statistik perbankan indonesia desember 2011
TRANSCRIPT
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VOL: 10 No. 1
DESEMBER 2011
BULANAN
MONTHLY
STATISTIK PERBANKAN INDONESIA
INDONESIAN BANKING STATISTICS
ISSN: 2086-2954
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iIndonesian Banking Statistics, Vol. 10, No. 1, December 2011
KATA PENGANTAR PREFACE
Statistik Perbankan Indonesia (SPI) m erupakan
m edia publikasi yang m enyajikan data m engenai
perbankan Indonesia. Buku SPI ini diterbitkan secara
berkala (bulanan) oleh D irektorat Perizinan dan
Inform asi Perban kan , Ban k Indonesia, untuk
m em berikan gam baran perkem bangan perbankan di
Indonesia.
M ulai penerbitan Edisi Jan uari 2011, SPI
disem purnakan dengan penam bahan data baru yaitu
Kredit U M KM Berdasarkan Undang-U ndang N o.20
Tahun 2008 tentang U M KM .
D engan penyem purnaan SPI ini, kam i berharap
agar data yang disajikan lebih m em berikan m anfaat
yang optim al bagi pem baca.
Jakarta, Februari 2012
BA N K IN D O N ESIA
D irektorat Perizinan dan Inform asi Perbankan
The Indonesian Banking Statisti cs (SPI) is a
media publication that provides data regarding the
banking industry in Indonesia. This publication is
pub lished mont hly by Directorate of Bank Licensing
and Banking Inf ormation, Bank of Indonesia, in order
to represente the development of the Indonesian
banking industry.
Start ing from January 2011 edit ion, SPI is
enhanced w ith t he addition of new data on micro,
small and medium enterprises in accordance with Law
No.20 of 2008 concerning micro, small and medium
enterprises.
We sincerely hope that the data provided in
the SPI will be of opt imum benefits to our readers.
Jakarta, February 2012
BANK INDONESIA
Directorate of Bank Licensing and Banking Information
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HALAMAN KETERANGAN PAGE OF REFERENCE
Jadwal Publikasi Kedepan
Edisi Januari 2012 akan diterbitkan pada m inggu keIII bulan M aret 2012.
Tanda-tanda, dan Sum ber D ata
Suatu jum lah tidak selalu sam a besarnya dengan
penjum lahan angka-angka yang bersangkutan karena
pem bulatan.
r Angka-angka diperbaiki
( ) Sebagian dari suatu jum lah
* A ngka-angka sem entara
** Angka-angka sangat sem entara
*** A ngka-angka sangat-sangat sem entara
- Tidak ada
... A ngka belum tersedia
- - N ol atau lebih kecil daripada digit terakhir
$ Dolar Am erika Serikat
Tanda kom a pada angka-angka harap dibaca sebagai
titik dan sebaliknya tanda titik harap dibaca sebagai
kom a.
Sum ber Data : Bank Indonesia kecuali jika dinyatakan
lain.
Alamat untuk berlangganan :
Bag ian Inform asi, A dm inistrasi dan Pu blikasi
Perbankan (IA dm P)
Bank Indonesia
M enara Radius Praw iro, Lantai 11
Jl. M H Tham rin N o. 2, Jakarta 10350
Telepon : (021) 3817080, 3818032
Fax : (021) 3523705
D ata dalam publikasi Bank Indonesia ini juga
disediakan m elalui w ebsite Bank Indonesia (http://
w w w .bi.go.id) selam bat-lam batnya 1 m inggu setelah
edisi publikasi
A lam at penyam paian pertanyaan :
publikasi-iadm p@ bi.go.id
Telepon: (021) 3817080
Fax: 3523705
Ad vance Release Calender (ARC)
January 2011 edit ion w ill be released on t he 3rd w eek
of M arch 2012.
Notes, Symbo ls and Sources of Data
Totals do not necessarily agree with the sum o f it ems
show n because of roundings.
r Revised f igures
( ) Subset of data
* Provisional figures
* * Very provisional f igures
* * * Estimated figures
- Not available
. .. Figures are not availab le yet
- - Nil o r less than the last digit
$ US Dollar
Commas in the numbers please read as poin t and
vice versa, please read the po int as a comma
Data Source : Bank Indonesia unless mentioned
otherwise.
Ad dress fo r Sub script ion :
Information , Adm inistration and Publication Banking
Division (IAdmP)
Bank Indonesia
Radius Praw iro Tower, 11 th Floor
Jl. MH Thamrin No. 2, Jakarta 10350
Phone : +62-21-3817080, 3818032
Fax : +62-21-3523705
The data in Bank Indonesia publication are also
provided th rough Bank Indonesia website (http ://
www.bi.go.id) no later than 1 week ofter the edition.
Address fo r queries :
Telephone: (021) 3817080
Fax: 3523705
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iiiIndonesian Banking Statistics, Vol. 10, No. 1, December 2011
KATA PENG AN TA R i
HA LAM AN KETERANG AN iii
D A FTA R ISI iv
PENJELA SAN v
D A FTA R SIN G KATA N ix
D A FTA R ISTILAH x
D A FTA R RA SIO xii
D A FTA R TA BEL xvi
DATA 1
DATA BANK UM UM 3
D ATA PERBAN KA N SYA RIA H 91
D ATA BA N K PERKREDITA N RA KYAT (BPR) 107
D ATA PERKREDITA N 123
G RA FIK 157
DAFTAR ISI TABLE OF CONTENT
INTRODUCTION i
PAGE OF REFFERENCE iii
TABLE OF CONTENT iv
CLARIFICATIONS v
LIST OF ABBREVIATIONS ix
LIST OF TERMS x
LIST OF RATIOS xii
LIST OF TABLES xvi
DATA 1
COMMERCIAL BANK DATA 3
SHARIA BANK DATA 91
RURAL BANK DATA 107
CREDIT DATA 123
GRAPHIC 157
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PENJELASAN CLARIFICATIONS
1. D ata yang digunakan dalam Publikasi Statistik
Perbankan Indonesia bersum ber dari LaporanBulanan Bank Um um (LBU) Laporan Bulanan Bank
U m um Syariah (LBU S) dan Laporan Bulanan Bank
Perkred itan Rakyat (Lap bul BPR ) kecuali
dinyatakan lain.
2. Sem ua jenis data Bank Um um m encakup pula
data Bank U m um Syariah dan unit usaha syariah
dari bank um um konvensional, hal ini disebabkan
karena pelaporan perbankan d iolah sistem
perbankan sebagai satu kesatuan. U ntuk
keperluan statistik perbankan syariah, disajikan
data khusus perbankan syariah secara terpisah.
3. D ata kinerja Bank Um um m engacu pada SE No.6/
23/D PN P tanggal 31 M ei 2004 perihal sistem
penilaian tingkat kesehatan Bank U m um dan
D ata Kinerja Bank U m um Syariah m engacu pada
SE N o.9/24/DPbS tanggal 30 O ktober 2007 perihal
Sistem Penilaian Tingkat Kesehatan Bank U m um
berdasarkan prinsip syariah.
M ulai data M aret 2010 dilakukan pem isahan data
kinerja antara Bank U m um Konvensional dengan
Bank Um um Syariah.
4. D ata Kredit
• M ulai bulan Januari 2010 D ata Kredit Bank
Um um disajikan berdasarkan jum lah m enurut
Biaya Perolehan atau Biaya Peroleh an
D iam ortisasi atau N ilai W ajar. Biaya Perolehan
adalah jum lah kas atau setara kas yang
dibayarkan (diterim a) atau nilai w ajar dari
im balan lain yang diserahkan (diterim a) untuk
m em peroleh suatu aset (m enerbitkan suatu
kew ajiban) pada saat perolehan. Biaya
Perolehan D iam ortisasi adalah jum lah aset
keuangan atau kew ajiban keuangan yang
diukur pada saat pengakuan aw al dikurangi
pem bayaran pokok, ditam bah atau dikurangi
am ortisasi kum ulatif m enggunakan m etode
suku bunga efektif yang dihitung dari selisih
1. The data used in the Indonesian Banking Statistics
is derive from Commercial Bank Month ly Report s,Sharia Bank Month ly Reports and Rural Bank
Monthly Reports.
2. The entire data on Commercial banks includes
Sharia Commercial Banks and sharia business unit
from convention al comm ercial banks data
because the bank report s are processed by t he
banking info rmation system as a whole. For
stat istical purposes of sharia bank ing, specific
sharia data are presented separately.
3. Commercial Bank Performance Data refer to the
circular lett er No. 6/23 /DPNP May 31, 2004
regarding the rating system for commercial banks
and Sharia Banks Performance data refers to the
circular lett er No. 9/24/DPbS October 30, 2007
regarding the Rating System for Commercial Banks
Based on Sharia Principles. Start ing in March 2010,
bank performance data are separated between
conventional banks and sharia banks
4. Cred it Data
• Starting in January 2010 Credit Data of
Commercial Banks are presented based on
the amount of acquisition Cost or amort ized
acquisition cost or fair value. Acquisition cost
is the amount of cash or cash equivalents paid
(received) or t he fair value of other rewards
given (acceptable) to acquire an asset (issuing
an obligation) at the t ime of acquisition.
Acquisition costs amort ized is the amount of
financial assets or f inancial liabilit ies are
measured at init ial recognit ion minus principal
payments, plus or m inus the cumulat ive
amort ization using the eff ective int erest
method is calculated f rom the d ifference
betw een initial value and maturit y value.
Decline in value is recognized by using the
postal Reserves Value Losses Decrease. Fair
value is the value wh ich an asset could be
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antara nilai aw al dan nilai jatuh tem ponya.
Penurunan nilai diakui dengan m enggunakan
pos Cadangan Kerugian Penurunan Nilai. N ilai
w ajar adalah nilai dim ana suatu aset dapat
dipertukarkan atau suatu kew ajiban
diselesaikan antara pihak yang m em aham i
dan berkeinginan untuk m elakukan transaksi
w ajar (arm’s length transaction ). Selanjutnya,
untuk m engetahui nilai nom inal kredit
disajikan tabel khusus yang m enyajikan kredit
berdasarkan nilai.
D ata kredit yang ditam pilkan m erupakan
kredit yang tercatat di neraca Bank dan tidakm em perhitungkan penerusan kredit yang
tercatat dalam rekening adm inistratif (off-
balance sheet ) kecuali dinyatakan lain.
Cakupan kredit m eliputi tagihan kredit kepada
penduduk dan non penduduk (U ntuk data
BPR hanya m eliputi tagihan kredit kepada
pendu duk). D ata yang terkait dengan
penjelasan tersebut di atas ditujukan untuk
data dalam tabel kinerja; aktiva produktif; NPL
(kecuali data N PL penerusan kredit of f -
balance sheet ); kegiatan usaha; dan kredit
(kecuali data penerusan kredit off-balance
sheet) .
M ulai Edisi Januari 2010 kredit berdasarkan
jenis penggunaan tidak disajikan rinciannya.
C akupan kredit dalam publikasi ini berbeda
dengan cakupan kredit pada publikasi SEK I.
• Januari s.d D esem ber 2010 data kredit M KM
sem entara disajikan m enurut nilai nom inal
yaitu nilai yang tercantum dalam surat
berharga atau kontrak yang diperjanjikan,
untuk data Januari 2011 dan seterusnya data
M KM disajikan m enurut nilai w ajar. C akupan
kredit M KM adalah: kredit m ikro yakni kredit
dengan plafon 0 sam pai dengan m aksim um
Rp50 juta, kredit kecil yakni kredit dengan
plafon lebih dari Rp50 juta sam pai dengan
m aksim um Rp500 juta dan kredit m enengah
exchanged or a liability settled between the
parties to understand and w illing to perform
normal transactions (arm’s length transaction).
Credit data constitutes the credits recorded
in the balance of a Bank and does not taken
into account channel of credit recorded in the
of f-balance sheet unless otherw ise stat ed.
Credits include credit claims from cit izens and
non-citizens (Rural Bank data only includes
credit claims from cit izens). The data related
to the information above is presented in the
performance data tables: earning assets; non-
perform ing loans (NPL) (except f or NPL data regarding channelling credit off -balance
sheet); operations; and credit s (except for
channelling credit data regarding off -balance
sheet).
Start ing January 2010 edition, t here is no
detail fo r credit based on type of use.
The scope of t he credit in th is pub lication is
diff erent f rom the coverage of credit in the
publication SEKI.
• January - Desember 2010 Data on M icro,
Small , M edium Scale Business credit is
presented according to the nominal value of
listed securit ies or the cont ractual agreement,
starting January 2011 M KM are presented on
fair value. Data on M icro, Small, Medium
Scale Business credit in this book mean: micro
credit is credit w ith ceiling Rp 0 up to Rp 50
million, Small credit is credit w ith ceiling Rp
50 million up to Rp 500 m illion, and Medium
credit is credit is w ith ceiling Rp 500 million
up t o Rp 5 b illion. Credit Data on M icro,
Small, Medium Scale Business credit does not
include data regarding credit cards or credits
disbursed by Rural Banks. The data relat ed
to the infomartion above is presented in the
perf orm ance data tab les M icro Small,
Medium Credit based on group of bank, M icro
Small, Medium Credit based on t ype of use,
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PENJELASAN CLARIFICATIONS
yakni kredit dengan plafon lebih dari Rp500
juta sam pai dengan m aksim um Rp5 m iliar.
D ata kredit M KM tidak m encakup data kartu
kredit dan kredit yang disalurkan oleh BPR.
D ata yang terkait dengan penjelasan tersebut
di atas ditujukan untuk data dalam tabel
kredit M KM m enurut kelom pok bank, kredit
M KM m enurut jenis penggunaan, kredit M KM
berdasarkan lokasi proyek per provinsi, dan
kredit M KM berdasarkan sektor ekonom i.
• M ulai Edisi Januari 2011 disajikan data
U M KM sesuai yang diatur dalam U U N o. 20
Tahun 2008 tentang UM KM . Yang dim aksud dengan U saha M ikro adalah
usaha produktif m ilik perorangan dan/atau
bad an usaha perorang an yang m em iliki
kekayaan bersih paling banyak Rp 50 juta
(tidak term asuk tanah dan bangunan tem pat
usaha) atau m em iliki hasil penjualan tahunan
paling banyak Rp 300 juta.
U saha kecil adalah usaha ekonom i produktif
yang berdiri sen diri, yang dilakukan
perorangan atau badan usaha (tidak term asuk
anak perusahaan) yang m em iliki kekayaan
bersih Rp 50 juta s.d Rp 500 juta (tidak
term asuk tanah dan bangunan usaha) atau
m em iliki hasil penjualan tahunan lebih dari
Rp 300 juta s.d Rp 2,5 m iliar.
U saha M enengah adalah usaha ekonom i
produktif yang berdiri sendiri yang dilakukan
perseorangan atau badan usaha (bukan anak
perusahaan) yang m em iliki kekayaan bersih
lebih dari Rp 500 juta s.d Rp 10 m iliar (tidak
term asuk tanah dan bangunan usaha) atau
m em iliki hasil penjualan tahunan lebih dari
Rp 2,5 M iliar s.d Rp 50 m iliar.
M enu rut rencana, D ata K redit U M K M
dim aksud akan m enggantikan D ata Kredit
M KM yang selam a ini disajikan.
Micro Small, Medium Credit based on project
location , M icro Small, M edium Credit based
on economic sector.
• Starting in January 2011, SMEs credit data
are presented as stipulated in Law no. 20 of
2008 concerning UMKM .
That referred to w ith productive enterprises
M icro is a privately-owned and / or ind ividual
business entity that has a net w orth exceeding
IDR 50 million (excluding land and building)
or have annual sales revenue exceeding IDR
300 million.
Small businesses are productive econom ic activities that stand alone, wh ich made
individual or business ent ity (not includ ing
subsidiaries) which has a net worth IDR 50
million up to IDR 500 m illion (excluding land
and build ing business) or have annual sales
of more than IDR 300 million up to IDR 2.5
billion.
Medium Enterprises is a productive economic
activities that stand alone by any individual
or legal person (not a subsidiary) which has a
net worth of more than IDR 500 million up to
IDR 10 billion (excluding land and build ing
business) or have annual sales of more than
IDR 2 , 5 billion up t o IDR 50 b illion In January
2012 , the MKM credit data w ill be replaced
by SMEs credit data
• Bank Relationship on the table Commercial
Bank Credit based on Bank relationship mean
statu s related bank and the party which
transaction w ith bank.
- Related party is any individual or company/
entity exercising control over the bank,
whether directly or indirectly, th rough
ownership, management, and/or f inancial
relation.
- Not related party is other party excluding
related party as ment ion above.
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PENJELASAN CLARIFICATIONS
• Yang dim aksud dengan H ubungan Dengan
Ban k p ada tabel K redit Ban k U m um
Berdasarkan H ubungan dengan Bank adalah
status keterikatan antara bank dengan pihak
yang m elakukan transaksi dengan bank.
- Pihak terkait adalah perseorangan atau
perusahaan/badan yang m em pun yai
hubungan dengan pengendalian bank,
baik secara langsung m aupun tidak
langsung, m elalui hubungan dengan
kepem ilikan, kepengurusan dan atau
keuangan.
- Pihak tidak terkait adalah pihak-pihakyang tidak term asuk pada pihak terkait
dengan bank sebagaim ana tersebut di
atas.
• Y ang dim aksud d engan K redit yang
penarikannya m enggunakan kartu adalah
pem berian fasilitas kredit yang penarikannya
dilakukan dengan kartu kredit.
5. Data Non Perform ing Loan
D ata Non Perform ing Loan yang ditam pilkan
m erupakan Non Perform ing Loan Gross , yakni
tanp a m em perhitun gkan penyisihan yang
dibentuk untuk m engantisipasi risiko kerugian.
D ata Non Performing Loan ditam pilkan dalam
nom inal dan persentase.
D ata yang terkait dengan penjelasan tersebut di
atas ditujukan untuk data dalam tabel aktiva
produktif dan N PL.
6. D ata Surat Berharga dalam pos penyaluran dana
D ata surat berharga yang ditam pilkan m erupakan
surat berharga yang diterbitkan oleh pihak ketiga
bukan bank. D ata yang d itam pilkan tidak
m em perhitungkan obligasi dalam rangka program
rekapitalisasi yang diterbitkan oleh Pem erintah.
D ata yang terkait dengan penjelasan tersebut
ditujukan untuk data dalam tabel kegiatan usaha.
7. Data suku bunga m enggunakan suku bunga rata-
rata tertim bang
• Credit w ithdrawn by credit card
5. Non-Performing Loan Data
Non-perform ing loan data is show as the g ross
non-perform ing loan, that is, without taking into
account t he reserve formed in anticipation of the
risk of losses.
Non-perform ing loan data is show in nominal and
percentage f igures.
Data related to t he information above is show n
as figures in t he earning assets table; and NPL.
6. Data regarding money instruments in the funds
disbursement account .
Data regarding money instruments includes money instruments that are issued by a non-bank
third party. The data does not calculate bonds
from a recapitalization program issued by t he
Government.
The data ment ioned above is displayed in the
business operations table.
7. The Data of interest rates based on the weighted-
average of interest rates.
8. Estimates of Add itional Paid-In Capital
The estimates are derived f rom the agio account;
capital contribut ions; and adjustments resulting
from the conversion of overseas branch of fice
financial report s.
9. The data of time deposit can not be displayed
temporary.
10. Estimates of Reserves
The estim ates are derived f rom the general
reserve, designated reserves and retained earnings
accounts.
11. Data downloading process
• Data from the Commercial Bank Monthly
Report s and the sharia Bank Month ly Report s
is submitted by the reporting banks to Bank
Indonesia, and is processed using the Bank
Indonesia Banking Sector Management
Inform ation System. The tim e taken to
download data from Banking Information
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8. Perkiraan Tam bahan M odal D isetor
Terdiri dari pos agio; (disagio); m odal sum bangan;
dan penyesuaian akibat penjabaran laporan
keuangan kantor cabang di luar negeri.
9. D ata D eposito berdasarkan jangka w aktu untuk
sem entara tidak dapat disajikan.
10. Perkiraan C adangan
Terdiri dari pos C adangan um um ; C adangan
tujuan; dan Laba yang ditahan.
11. Proses D ow nload D ata
• Data Laporan Bulanan Bank U m um (LBU ) dan
Laporan Bulanan Bank U m um Syariah (LBU S)
yang disam paikan dari bank pelapor kepadaBan k Indonesia, diolah m elalui Sistem
Inform asi Perbankan (SIP). Perbedaan w aktu
do w nload data LBU m elalui SIP d apat
m enyebabkan perbedaan pada data yang
dipublikasikan ini dengan data publikasi yang
lain. O leh sebab itu, pem baca dihim bau
untuk m em perhatikan w aktu dow nload data.
Pem rosesan data bulan laporan D esem ber
2011 untuk Publikasi Statistik Perbankan
Indonesia Edisi Desem ber 2011 dilakukan dari
tanggal 27 januari 2012 s/d tanggal 10
Februari 2012.
12. Publikasi Statistik Perbankan Indonesia juga
dilakukan m elalui w eb site B ank Indonesia
(w w w .bi.go.id).
System can result in variations of the data
that is published in this book, compared to
other published data. Therefo re, readers are
recommended to taken into account t he
downloading time.
The pro cessing o f t he December 2011
mon th ly reports for the December 2011
edit ion of the Indonesian Banking Stat istics
was done f rom 27 January 2011 unt il 10
February 2012.
12. The Indo nesian Bank Stat isti cs Book is also
pub lished via th e Bank Indo nesia w ebsite
(www.bi.go.id).
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DAFTAR SINGKATAN LIST OF ABBREVIATIONS
A PYD : A ktiva Produktif Yang D iklasifikasikan
ATM R : A ktiva Tertim bang M enurut Risiko
BO PO : Biaya O perasional terhadap
Pendapatan O perasional
BPD : Bank Pem bangunan Daerah
CA R : C apital Adequacy Ratio
DPK : Dana Pihak Ketiga
KA P : Kualitas A ktiva Produktif
KBAB : Kew ajiban Bersih A ntar Bank
KP : Kantor Pusat
KC : Kantor C abang
KCP : Kantor Cabang Pem bantu
KK : Kantor Kas
KPW : Kantor Perw akilan
LBU : Laporan Bulanan Bank Um um
LD R : Loan to D eposit Ratio
N IM : Net Interest M argin
NPL : Non Perform ing Loan
PPAPYD : Penyisihan Penghapusan Aktiva
Produktif yang D ibentuk
PPAPW D : Penyisihan Penghapusan Aktiva
Produktif yang W ajib D ibentuk
ROA : Return on Assets
SIP : Sistem Inform asi Perbankan
UKM : Usaha Kecil M enengah
U M KM : Usaha M ikro Kecil M enengah
NO M : Net O perating M argin
FD R : Financing to D eposit Ratio
APYD : Classified Earning assets
A TM R : Risk Weighted Assets
BO PO : Operations Expenses to Operations
Income
BPD : Regional Development Bank
C A R : Capital Adequacy Ratio
D PK : Third Party Funds
KA P : Earning assets Qualtiy
KBAB : Inter-Bank Net Liabilities
KP : Head Office
KC : Branch Office
KC P : Sub-Branch Office
KK : Cash Office
KPW : Representative Off ice
LBU : Commercial Bank Monthly Report
LDR : Loan to Deposit Ratio
N IM : Net Interest Margin
N PL : Non-Performing Loan
PPAPYD : Productive Asset Write-of f Reserve
PPAPW D : Mandatory Productive Asset Write-off
Reserve
RO A : Return on Assets
SIP : Banking Information System
U KM : Small/M edium-Scale-Ent erpri se Industry
U M KM: Small/M edium /M icro-Enterprise Industry (SMEs)
NO M : Net Operating M argin
FD R : Financing to Deposit Ratio
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GLOSARIUM GLOSSARY
Aktiva Produktif : Penanam an dana Bank baik
dalam Rupiah m aupun valas dalam
bentuk kredit, surat berharga,
penem patan dana antar bank,
penyertaan, term asuk kom itm en
dan kontinjensi pada transaksi
rekening adm inistratif.
APYD : Aktiva produktif baik yang sudah
m aupun yang m engandung potensi
tidak m em berikan penghasilan atau
m enim bulkan kerugian
ATM R : Terdiri dari :
1. aktiva neraca yang diberikan
bobot sesuai kadar risiko kredit
yang m elekat
2. beberapa pos dalam off-balance
sheet yang diberikan bo bot
sesuai den gan kadar risiko
kredit yang m elekat
C all M oney BI : Penem patan dana pada Bank
Indonesia dalam ben tuk call
m oney yang m erupakan intervensi
rupiah oleh Bank Indonesia dalam
rangka operasi pasar terbuka (O PT)
D PK : Sim panan pihak ketiga bukan
ban k yan g terdiri dari G iro,
Tabun gan dan Sim panan
berjangka
K redit : Penyediaan uan g atau tagih an
yang dapat dipersam akan dengan
itu, berdasarkan persetujuan atau
kesepakatan pinjam -m em injam
antara Bank dengan pihak lain
yang m ew ajibkan pihak pem injam
Earning assets : The investment of either Rupiah or
foreign currency by a Bank to t he
form of credits, money instruments,
inter-bank p lacements, equit y
part ic ipat ion, inc luding
commitments and contingencies of
the of f-balance sheet account .
Classif ied : Earning asset s t hat do not , or
Productive have the potential to not pro-
Assets vide a profit or could even incur a
loss.
Risk Weighted : Consists of:
Assets 1. Assets in the balance sheet that
are ranked according to the
level of risk of t he credit in
question.
2. Several accounts in the o ff -
balance sheet t hat are ranked
according to the level of risk of
the credit in question.
BI Call Money : Fund placements at Bank Indonesia
in the form of cal l money,
representing a rupiah intervention
by Bank Indonesia as part of open
market operat ions (OPT).
Third Party : Non-bank th ird party deposits Funds consist ing of demand deposit ,
savings deposit and t ime deposit.
Credit : The provision of funds or related
claims based on an agreement or
contract to borrow /loan fun ds
between banks and anot her party
that obliges the borrow er to pay
off his/her debt according t o a
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DAFTAR ISTILAH LIST OF TERMS
untuk m elunasi utangnya setelah
jangka w aktu tertentu deng an
pem berian bunga, term asuk :
1.Pem belian Surat Berharga
nasabah yang dileng kapi
dengan Note Purchase
Agreement (N PA)
2. Pengam bilalihan tagihan dalam
rangka kegiatan anjak piutang
Penerusan K redit : Kredit dalam rupiah m aupun valas
yang disalurkan oleh bank yang
dananya berasal dari pihak lain,
dan atas penyaluran kredit tersebut
bank tidak m enanggung risiko.
Penerusan kredit ini dibukukan
pada rekening adm inistratif (off-
balance sheet )
designated schedule and interest
charges, including:
1. The purchase of Mo ney
Instruments by clients, complete
with a Note Purchase
Agreement (NPA).
2. The transfer of claims involved
in factoring activities.
Channelling
Credit : Credit in rupiah or foreign currency
that is from another party that is
disbursed by a bank, w herein the
bank does not bear any risk fo r the
credit disbursement. Channelling
credits are recorded in the of f-
balance sheet .
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xii Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11
C A R Perhitungan rasio C ar m ulai edisi M aret 2010
telah disesuaikan dengan ketentuan PBI N o.
10/15/PBI/2008 tanggal 24 Septem ber 2008
perihal Kew ajiban Penyediaan M odal M ini-
m um Bank U m um , sebagai berikut:
C A R = m odal / A TM R
M odal bagi Bank yang berkantor pusat di
Indonesia terdiri dari:
a. M odal inti (tier 1);
b. M odal Pelengkap (tier 2); dan
c. M odal pelengkap tam bahan (tier 3).
Setelah m em perhitungkan faktor-faktor
tertentu yang m enjadi pengurang m odal
sebagaim ana dim aksud dalam pasal 13 dan
pasal 20 pada PBI N o. 10/15/PBI/2008.
M odal bagi kantor cabang dari bank yang
kantor pusatnya berkedudukan di luar negeri
adalah dana bersih kantor pusat (N et H ead
O ffice Fund) yang terdiri dari:
a. D ana U saha (N et Inter O ffice Fund);
b. Laba ditahan dan laba tahun lalu setelah
dikeluarkan p engaruh faktor-faktor
sebagaim ana dim aksud dalam pasal 10
ayat (2) pada PBI N o. 10/15/PBI/2008;
c. Laba tahun berjalan sebesar 50% setelah
dikeluarkan p engaruh faktor-faktor
sebagaim ana dim aksud dalam pasal 10
ayat (2) PBI N o. 10/15/PBI/2008;
d. Cadangan um um m odal;
e. C adangan tujuan m odal;
f. Revaluasi aset tetap dengan cakupan dan
perhitungan sebag aim ana dim aksud
dalam pasal 16 ayat (1) huruf c PBI N o.
10/15/PBI/2008
g. C adangan um um penyisihan
penghapusan aset (PPA ) atas aset
produktif den gan perhitungan
sebagaim ana dim aksud dalam pasal 16
ayat (1) huruf d PBI N o. 10/15/PBI/2008.
CAR Start ing in March 2010 CAR has been
adjusted to the provisions of Regulation
No. 10/15/PBI/2008 September 24, 2008
regarding the Capital Adequacy of Com-
mercial Banks, as fo llow s:
CAR = capital / RWA
Capital fo r t he Bank is head o ff ice in
Indonesia consists of :
a. Core capital (tier 1);
b. Supp lementary capital (tier 2); and
c. Addit ional supp lementary capital (tier 3).
Af ter taking int o account certain factors that
a reduction of capital referred to in Art icle
13 and Article 20 of Regulation No. 10/15/
PBI/2008.
Capital for fo reign bank branch of fice is Net
Head Off ice Fund consisting of :
a. Operating Funds (Net Inter Off ice Fund);
b. Retained earnings and profit last year after
removed the influence of t he factors
referred to in Article 10 paragraph (2) at
No. PBI. 10 /15/PBI/2008;
c. Profit for the year amounted to 50% after
removed the influence of t he factors
referred to in A rticle 10 paragraph (2)
Regulation No. 10/15 /PBI/2008;
d. General reserves;
e. Designated reserves;
f. Revaluation of fixed assets in the scope
and calculation referred to in Art icle 16
paragraph (1) letter c PBI No. 10/15/PBI/
2008
g. General reserve asset allow ance (PPA) of
prod uctive assets in t he calculation
referred t o in paragraph A rticle 16
paragraph (1) letter d PBI No. 10/15 /PBI/
2008.
Af ter taking int o account certain factors that
a reductio n of capital component s as
provided for in Article 10 paragraph (1) letter
DAFTAR RASIO LIST OF RATIOS
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Setelah m em perhitungkan faktor-faktor
tertentu yang m enjadi pengurang kom ponen
m odal sebagaim ana diatur dalam pasal 10
ayat (1) huruf b, pasal 13, dan pasal 20 pada
PBI N o. 10/15/PBI/2008
A TM R terdiri dari:
a. A TM R untuk Risiko Kredit;
b. A TM R untuk Risiko O perasional;
c. A TM R untuk Risiko Pasar.
Setiap Bank w ajib m em perhitungkan A TM R
untuk risiko kredit dan A TM R untuk risiko
O perasional. A TM R untuk Risiko Pasar hanya
w ajib d iperhitungkan oleh ban k yang
m em enuhi kriteria tertentu sebagaim ana
diatur pada pasal 25 PBI N o. 10/15/PBI/2008.
Sehubungan dengan Bank U m um Syariah
(BU S) yang tidak m engikuti perhitungan
KPM M sebagaim ana ketentuan Bank U m um
Konvensional m aka data C A R untuk BU S
disajikan secara terpisah pada tabel Kinerja
BUS.
Rasio KA P = A PYD / Total A ktiva Produktif
(sesuai SE No.6/23/DPNP anggal 31 Mei
2004)
Rasio RO A = Laba Sebelum Pajak disetahunkan
/ Rata-rata total aset
(sesuai SE No.6 /23 /DPNP tanggal 31 Mei
2004)
Rasio BO PO = Total beb an op erasion al / Total
pendapatan operasional
Rasio dihitung per posisi (tidak
disetahunkan)
(sesuai SE No.6/23/DPNP anggal 31 Mei
2004)
Rasio A ktiva -Pasiva = A ktiva Likuid < 1 bulan /
Pasiva Likuid < 1 bulan
A ktiva Likuid < 1 bulan, terdiri dari:
1. Kas
2.G iro BI
b, Art icle 13 and Article 20 of Regulation
No. 10/15/PBI/2008
R WA consists of:
a. RWA for credit risk;
b. RWA for operational risk;
c. RWA for market risk.
Each Bank shall calculate RWA for credit
risk and risk w eighted assets for
operat ional risk. RWA for market risk shall
be calculated only by banks that meet
certain criteria as stipulated in Art icle 25
Regulation No. 10/15 /PBI/2008.
In that regard ing to Sharia Commercial
Banks (BUS) that do no t follow the
calculat ion o f CAR as the Convent ional
Commercial Bank, the performance of BUS
presented separately on Performance
tables BUS.
Earning assets
Quality Ratio = Classified Earning Assets / Total Earn-
ing Assets
(pursuant to Circular Letter No. 6/23/
DPNP dated May 31, 2004)
Return on Assets
Ratio = Annual Prof it bef ore t axes / Average
Assets
(pursuant to Circular Letter No. 6/23/
DPNP dated May 31,
2004) Operations Expenses /
Operations Income = Operations expenses / Op-
erations Income for the same period.
(pursuant to Circular Letter No. 6/23/DPNP
dated May 31, 2004)
Liquid Asset t o liquid Liabilities
Ratio = Liquid Asset < 1 mont h / Liquid
Liabilities < 1 mont h
Liquid Asset < 1 month , consist of:
DAFTAR RASIO LIST OF RATIOS
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xiv Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11
1. Cash
2. Demand deposit on BI
3. Certif icate of Bank Indonesia
4. Inter Bank Asset (demand deposit,
deposit on call, call money)
Liquid Liabilities < 1 month, consist of:
1. Demand deposit
2. Savings deposit
3. Time deposit
4. Current liabilities
5. Liabilities to other bank (demand
deposit, deposit on call, call
money)
(pursuant to Circular Letter No. 6/23/DPNP
dated May 31, 2004)
Loan t o Deposit
Rat io = Cred it / Th ird Part y Funds
Credit is total credit t o t hird party (not
including t hird party bank)
Third Party Funds consist of Demand
deposit, savings deposit and t ime deposits
(not including int erbank) (pu rsuan t
to Circular Lett er No. 6/23/DPNP dated M ay
31, 2004)
Loan = Total Credit / (Collect ion of fund + tier
one capital)
Total Credit is total credit t o th ird party
and other bank
Collection of fund, consist of :
1. third party deposit
2. Bank Indonesia
3. ABP more than three months
4. Loan received with maturity of more
than three months
5. Loan Capital
(pursuant to Circular Lett er No. 30/12/KEP/DIR
dated April 30,1997 - on BPR)
Non-Performing
Loan Ratio = Credits that are sub-standard, doubt ful
and loss) / Total Credits
3.SBI
4.A ntar Bank A ktiva (giro, deposit
on call, call m oney)
Pasiva Likuid < 1 bulan, terdiri dari:
1.G iro
2.Tabungan
3.D eposito
4.Kew ajiban segera
5.Kew ajiban pada bank lain (giro,
deposit on call, call m oney)
(sesuai SE No.6/23/DPNP tanggal 31
Mei 2004)
Rasio LDR = Kredit / D ana Pihak K etiga
Kredit m erupakan total kredit yang
diberikan kepada pihak ketiga (tidak
term asuk antar Bank)
D ana Pihak Ketiga m ancakup giro,
tabungan, dan dep osito (tidak
term asuk antar Bank)
(sesuai SE No.6/23/DPNP anggal 31 Mei
2004)
LD R = Total Kredit / (Penghim punan D ana
+ M odal Inti)
Total Kredit, m erupakan kredit yang
diberikan kepada m asyarakat dan
bank lain
Penghim punan D ana, terdiri dari :
1. Sim panan pihak ketiga
2. Bank Indonesia
3. A BP lebih dari 3 bulan
4. Pinjam an yang diterim a lainnya lebih
dari 3bulan
5. M odal Pinjam an
(sesuai SK Dir No.30/12/KEP/DIR tanggal
30 April 1997 - untuk BPR)
Rasio N PL = (Kredit dalam kualitas Kurang lancar,
D iragukan dan M acet) / Total Kredit
Rasio N IM = Pendapatan Bunga Bersih / Rata-Rata
DAFTAR RASIO LIST OF RATIOS
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xvIndonesian Banking Statistics, Vol. 10, No. 1, December 2011
A ktiva Produktif
Pendapatan Bunga Bersih = Pendapatan
Bunga – Beban Bunga
perhitun gan p end apatan bung a
bersih disetahunkan.
(sesuai SE No.6 /23 /DPNP tanggal 31 Mei
2004)
Rasio N O M = (PO - D BH ) - BO /Rata-rata A P
(sesuai SE N o.9/24/D PbS tanggal 30
O ktober 2007)
Net Interest M argin
Rat io = Net Interest Income / Average Earn ing
assets
Net Interest Income = Interest Income –
Interest charges Annual net interest in -
come is used for the calculation of NIM
(pursuant to Circular Lett er No.6/23 /DPNP
dated May 31, 2004)
Net Operating M argin
(NOM) = (operating income - DBH) - operational expenses/Average Earning Assets
(pursuant to cirtular lettet No.9/24/DPbS
dated October 30, 2007)
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DATA
1. Kegiatan U saha Perbankan 1 2
Bank Industr ies Operat ion
DATA BANK UMUM
COMMERCIAL BANK DATA
2. Kegiatan U saha Bank U m um 1.1 s.d 1.7 4
Commercial Banks Operation
3. Laporan Laba/Rugi Bank U m um 1.8 s.d 1.14 11
Commercial Banks Income Stat ement
4. Rekening A dm inistratif Bank U m um 1.15 s.d 1.21 18
Commercial Banks Off Balance-Sheet
5. Kinerja Bank U m um 1.22 s.d 1.29 25
Commercial Banks Perfo rmance
6. Jum lah Bank U m um Berdasarkan Tingkat Rasio 1.30 33
Commercial Bank Based on Ratios
7. A set Bank U m um 1.31 s.d 1.33
Commercial Banks Assets
a. Perkem bangan A set Bank U m um 1.31 34
Commercial Banks Asset Growth
b. Jum lah Bank U m um Berdasarkan Total A set 1.32 35
Commercial Banks Based on Assets
c. Peringkat Bank U m um Berdasarkan Total A set 1.33 36
Commercial Banks Rating Based on Total Assets
8. A ktiva Produktif Bank U m um 1.34 s.d 1.40 37
Commercial Banks Earning Assets
9. Non Perform ing Loan (N PL) Bank U m umCommercial Banks Non Perfo rming Loan
a. Pengelom pokan Bank Berdasarkan Rasio N PL 1.41 44
Group of Banks Based on NPL Ratio
b. N PL Berdasarkan Sektor Ekonom i 1.42 s.d 1.49 45
NPL Based on Econom ic Sector
c. N PL Berdasarkan Jenis Penggunaan 1.50 s.d 1.57 53
NPL Based on t ype of use
d. NPL Berdasarkan Lokasi Bank Penyalur 1.58 61
NPL Based on Location of Bank
DAFTAR TABELLIST OF TABLES
N o.Judul
Topic
N o. Tabel
Tables
H alam an
Pages
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e. N PL Kredit yang penarikannya m enggunakan kartu 1.59 62
Non performing loan wit hdrawn by credit card
f. N PL U M KM 1.60 s.d 1.63 63
Non Performing loan of SMEs credit
g. N PL Penerusan Kredit(off -balance sheet) 1.64 67
NPL channelling credit (off -balance sheet)
10. D ana Pihak Ketiga (D PK) Bank U m umCommercial Banks Third Party Funds
a. Kom posisi D PK 1.65 s.d 1.71 68
Composition of Third Party Funds
b. Peringkat Bank Berdasarkan D PK 1.72 75
Bank Rating Based on Third Party Funds
c. D PK Berdasarkan Lokasi Penghim punan 1.73 s.d 1.74 76
Third Party Funds Based on Location of Deposit
11. Suku Bunga Rata-rata D ana Pihak Ketiga (D PK) 1.75 s.d 1.81 78
Average of interest rate of Third party fund
12. Peringkat Bank Berdasarkan Kredit 1.82 85
Rating of Bank Based on Credits
13. Suku Bunga Rata-rata Kredit 1.83 s.d 1.84 86
Average of Crerdit Interest Rates
14. Perkem bangan Jum lah Bank dan Kantor Bank
Growth of total banks and bank offices
a. Perkem bangan Jum lah Bank dan Kantor Bank U m um 1.85 88
Grow th of Total Banks and Commercial Bank Off ices
b. Perkem bangan Jum lah Kantor Cabang Bank Berdasarkan W ilayah 1.86 89
Grow th of Total Branch of fices Based on Region
DATA BANK SYARIAH
SHARIA BANK DATA
15. Kegiatan U saha Bank U m um Syariah 2.1 s.d 2.3 92
Sharia Commercial Bank Operat ion
16. Perkem bangan A set Perbankan Syariah 2.4 95
Grow th of Sharia Bank Assets
17. A ktiva Produktif Perbankan Syariah 2.5 96
Earning Assets of Sharia Banks
DAFTAR TABEL / LIST OF TABLES
N o.Judul
Topic
N o. Tabel
Tables
H alam an
Pages
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xviii Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11
18. Kom posisi D PK Perbankan Syariah 2.6 97
Composition of Third Party Funds of Syariah Banks
19. Tingkat Bagi H asil Rata-rata D PK Bank Syariah 2.7 98
Average of Prof it Sharing Rates of Third Party Fund of
Sharia Banks
20. TIngkat M argin Rata-rata Pem biayaan 2.8 s.d 2.9 99
Average of M argin Rates of Financing 21. BPR Syariah 2.10 s.d 2.11 101
Syariah Rural Bank
22. Jaringan Kantor Perbankan Syariah 2.12 103
Sharia Bank Off ice Netw ork
23. Kinerja Bank U m um Syariah 2.13 104
Islamic Commercial Bank Performance
24. Bank U m um Syariah Berdasarkan Tingkat Rasio 2.14 105
Sharia Commercial Based on Ratios
DATA BANK PERKREDITAN RAKYAT
RURAL BANK DATA
25. Kegiatan U saha Bank Perkreditan Rakyat 3.1 108
Rural Bank Operat ions
26. K inerja Bank Perkreditan Rakyat 3.2 109
Rural Bank Performance
27. Perkem bangan A set BPR 3.3 s.d 3.4 110
Grow th of Assets based Rural Bank Data
28. N on Perform ing Loan Bank Perkreditan Rakyat 3.5 s.d 3.6 112
Non Perfo rming Loan of Rural Bank 29. D ana Pihak Ketiga
Third Party Funds of Rural Bank
a. Kom posisi D PK Bank Perkreditan Rakyat 3.7 114
Composition of Third Party Funds of Rural Bank
b. Kom posisi D PK Berdasarkan Lokasi 3.8 115
Composition o f Third Party Funds Based on Location
c. D PK BPR Berdasarkan Lokasi Penghim pun 3.9 116
Third Party Funds of Rural Banks Based on Location
N o.Judul
Topic
N o. Tabel
Tables
H alam an
Pages
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30. Suku Bunga Rata-rata D PK BPR 3.10 117
Average of Third Party Interest Rates of Rural Banks
31. Suku Bunga Rata-rata Kredit BPR 3.11 118
Average of Credit Interest Rates of Rural Banks
32. Perkem bangan Jum lah Bank dan Kantor Bank
Grow th of Total Rural Banks and Bank Off ices
a. Perkem bangan Jum lah BPR 3.12 120Grow th of Total Rural Bank
b. Perkem bangan Jum lah BPR Berdasarkan Lokasi 3.13 s.d 3.14 121
Grow th of Total Rural Bank Off ices Based on Region
DATA PERKREDITAN
CREDIT DATA
33. Kredit Bank U m um Berdasarkan Sektor Ekonom i 4.1 s.d 4.8 124
Commercial Bank Credit Based on Economic Sector
34. Kredit Bank U m um Berdasarkan Jenis Penggunaan 4.9 s.d 4.16 132
Commercial Bank Credit Based on Type of Use
35. Kredit Bank U m um Berdasarkan Lokasi Bank Penyaluran 4.17 140
Commercial Bank Credit Based on Location of Bank
36. Kredit Bank U m um Berdasarkan H ubungan dengan Bank 4.18 141
Credit o f Commercial Banks Based on Bank Relationship
37. Kredit yang Penarikannya M enggunakan Kartu 4.19 142
Credit W ithdrawn by Credit Card
38. Penerusan Kredit Bank U m um 4.20 s.d 4.21 143
Commercial Bank Channelling Credit
39. Kredit Berdasarkan N ilai 4.22 145
Credit Based on Value
40. Pem biayaan Perbankan Syariah 4.23 s.d 4.25 146
Detailed f inancing of sharia banks
41. Kredit Bank Perkreditan Rakyat 4.26 s.d 4.28 149
Rural Bank Credit
42. Kredit U M KM 4.29 s.d 4.33 154
M icro, Small, and Medium Enterprises Credit
N o.Judul
Topic
N o. Tabel
Tables
H alam an
Pages
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H alam an ini sengaja dikosongkan
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DATA
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Statistik Perbankan Indonesia - Vol. 10, No. 1, Desember 2011 Indonesia Banking Statistics - Vol. 10, No. 1, December 2011
Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Novr) Des
1.140.278 1.380 .373 2.015 .221 2.015 .221 2.282 .179 2.765 .912 2.740 .550 2.756 .059 2.834 .568 2.834 .915 2.897 .056 2.967 .734 2.995 .928 3.010 .045 3.143 .975 3.180 .466 3.249 .107 3.412 .463
18.096 21.904 26.549 31.313 36.076 43.877 44.358 44.822 45.683 46.059 46.956 47.533 48.328 48.825 50.107 50.969 52.156 53.534
54.256 179.045 166.518 166.518 212.116 139.316 143.518 121.302 139.756 133.574 111.449 115.315 114.578 107.359 107.538 111.338 118.599 117.983
1.283.480 1.468 .369 1.990 .345 1.990 .345 2.180 .934 2.563 .562 2.527 .124 2.515 .919 2.576 .974 2.563 .204 2.625 .759 2.690 .940 2.707 .891 2.726 .189 2.833 .685 2.862 .679 2.925 .400 3.093 .848
15.453 18.733 22.629 26.345 30.367 37.034 37.528 37.968 38.746 39.179 39.916 40.334 41.002 41.377 42.494 43.139 44.107 45.462
1.469.827 1.693 .850 1.986 .501 2.310 .557 2.534 .106 3.008 .853 2.990 .729 2.993 .135 3.065 .827 3.069 .093 3.136 .407 3.195 .117 3.216 .891 3.252 .684 3.371 .453 3.407 .508 3.471 .460 3.652 .832
20.393 23.045 27.741 32.533 37.554 45.742 46.291 46.819 47.627 48.001 48.940 49.580 50.476 51.016 52.300 53.244 54.496 55.799
131 130 130 124 121 122 121 121 121 121 121 121 120 120 120 120 120 120
2.009 1.880 1.817 1.772 1.733 1.706 1.700 1.671 1.679 1.680 1.680 1.682 1.682 1.681 1.683 1.683 1.684 1.669
8.236 9.110 9.680 10.868 12.837 13.837 13.970 13.993 14.069 14.140 14.259 14.321 14.347 14.394 14.473 14.510 14.707 14.797
3.110 3.173 3.250 3.367 3.644 3.910 3.922 3.928 3.970 3.996 4.021 4.043 4.074 4.102 4.114 4.122 4.140 4.172
Ke t : Note : 1) Bank Indonesia Certificates on Sharia Principles (SBIS)
r) revised
1) Sertifikat Bank Indonesia Syariahr) revisi
Jumlah Aset
Ban k Perkreditan Rakyat
Jumlah Bank
Ban k Perkreditan Rakyat
Bank Um um
Ban k Perkreditan Rakyat
Bank Um um
Rural Banks
Bank Um um
Jumlah Kantor
Sumber Dana
Penyaluran Dana
2008
Bank Um um
Ban k Perkreditan Rakyat
SBI dan SBIS1)
20112010
2005
Ban k Perkreditan Rakyat
2009Indikator 20072006
Bank Um um
Total Assets
Commercial Banks
Indicator
Distr ibut ion of Funds
Commercial Banks
Rural Banks
SBI dan SBIS1)
Commercial Banks
Source of Funds
Commercial Banks
Tabel 1 Kegiatan Usaha Perbankan
(Bank Industries Operation)
Mil iar Rp (Billion Rp)
Rural Banks
Total Banks
Commercial Banks
Rural Banks
Total Bank Offices
Rural Banks
2
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DATA BANK UMUMDATA BANK UMUMDATA BANK UMUMDATA BANK UMUMDATA BANK UMUM
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Statistik Perbankan Indonesia - Vol. 10, No. 1, Desember 2011 Indonesia Banking Statistics - Vol. 10, No. 1, December 2011
Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Novr) Des
Penyaluran Dana Distr ibut ion of Funds
a. Kredit1) 695.648 792.297 1.002 .012 1.307 .688 1.437 .930 1.765 .845 1.746 .005 1.773 .889 1.814 .846 1.843 .538 1.889 .465 1.950 .727 1.973 .599 2.031 .614 2.079 .261 2.106 .157 2.150 .957 2.200 .094 a. Credit
1)
Rupiah 565.846 638.500 791.605 1.054 .289 1.228 .656 1.492 .407 1.469 .235 1.497 .508 1.530 .507 1.552 .656 1.590 .748 1.640 .039 1.664 .262 1.704 .910 1.739 .276 1.762 .073 1.792 .622 1.838 .953 Rupiah
Valas 129.802 153.798 210.407 253.399 209.273 273.438 276.770 276.381 284.339 290.881 298.716 310.688 309.337 326.703 339.985 344.084 358.335 361.142 Foreign Exchange
b. A ntar Bank 159.120 156.906 139.777 213.779 261.474 228.549 222.066 227.863 216.019 203.894 193.662 188.332 176.950 178.022 203.654 188.164 207.531 226.942 b. Inter-Bank
G iro 11.139 9.051 11.562 40.318 68.086 41.764 37.063 40.492 34.587 34.406 38.170 34.072 34.248 32.581 34.283 35.481 44.412 44.069 Demand Deposit
Inter Bank 90.425 83.314 58.717 81.435 110.883 94.116 91.982 95.961 87.130 77.399 67.730 63.819 55.179 57.089 76.230 64.988 67.282 75.982 Call Money
D eposito 17.792 20.086 12.435 20.436 20.746 27.036 25.557 25.095 27.253 26.837 27.291 28.144 23.655 23.727 28.928 26.251 28.078 30.681 Times Deposits
Lainnya 39.764 44.455 57.064 71.589 61.758 65.633 67.465 66.315 67.049 65.252 60.470 62.296 63.869 64.624 64.214 61.445 67.760 76.211 Others
c. Penem patan di BI 209 .578 343.455 418.269 322.333 397.897 581.901 585.192 558.183 596.704 579.643 598.555 616.691 637.263 585.929 634.108 657.542 652.257 753.986 c. Placements at BI
G iro 102.266 125.791 167.566 83.927 101.364 164.833 171.786 179.444 194.431 200.606 203.034 218.773 220.580 227.911 227.644 229.373 235.059 245.054 Demand Deposit SBI 54.256 179.045 203.863 166.518 212.116 139.316 143.518 121.302 139.756 133.574 111.449 115.315 114.578 107.359 107.538 111.338 118.599 117.983 Bank Indonesia Certif icates
(SBI)
C all M oney 39.743 21.216 35.727 49.799 60.758 195.431 223.912 207.356 201.847 179.278 211.982 201.037 218.787 172.213 209.543 219.800 191.793 227.217 Call Money
Lainnya 13.312 17.403 11.114 22.090 23.659 82.321 45.976 50.082 60.669 66.185 72.090 81.567 83.317 78.445 89.383 97.031 106.805 163.732 Others
d. Surat Berharga (tidak term asuk
ob ligasi rekap)
44.224 55.988 108.007 113.851 134.960 133.454 131.898 138.250 146.910 145.121 151.697 144.547 138.254 139.296 153.793 154.103 161.850 157.025 d. Securities (not including
recapitalization bonds)
e. Penyertaan 6.122 5.924 5.620 6.626 10.010 12.356 12.617 12.778 12.874 12.242 12.417 12.598 12.991 14.542 13.460 14.028 14.344 10.968 e. Equity Participation
f. Tagihan Lainnya 25.586 25.803 28.835 50.944 39.908 43.807 42.772 45.095 47.216 50.477 51.260 54.838 56.870 60.643 59.699 60.471 62.168 63.448 f. Other Claims
Sumber Dana Source of Funds
a. D PK 1.127.937 1.287 .102 1.510 .834 1.753 .292 1.973 .042 2.338 .824 2.302 .056 2.287 .844 2.351 .357 2.340 .213 2.397 .179 2.438 .011 2.464 .083 2.459 .898 2.544 .862 2.587 .282 2.644 .742 2.784 .912 a. Third Party Funds
Rupiah 930.160 1.093 .445 1.284 .797 1.460 .443 1.656 .625 1.990 .518 1.963 .921 1.933 .691 1.988 .765 1.989 .797 2.049 .308 2.092 .979 2.109 .470 2.113 .250 2.183 .424 2.219 .943 2.259 .450 2.398 .474 - Rupiah
G iro 193.854 249.564 309.335 307.743 332.729 383.808 382.659 367.528 377.265 373.486 406.427 425.466 411.578 378.855 425.895 436.647 444.626 485.692 Demand Deposits
D eposito 455.038 510.008 540.982 675.983 758.280 928.089 918.986 908.254 944.962 939.649 958.009 970.623 992.082 1.005 .374 1.017 .894 1.039 .189 1.045 .395 1.072 .665 Times Deposits
Tabungan 281.268 333.873 434.480 476.717 565.616 678.621 662.277 657.909 666.538 676.662 684.873 696.890 705.811 729.020 739.636 744.107 769.429 840.118 Savings Deposits
V alas 197.777 193.657 226.037 292.849 316.417 348.306 338.135 354.153 362.592 350.415 347.870 345.032 354.613 346.648 361.437 367.340 385.292 386.437 - Foreign Exchange
G iro 87.558 88.447 96.216 122.257 133.159 152.047 147.947 162.245 163.527 154.797 154.803 151.530 155.700 145.349 154.663 159.820 171.834 166.954 Demand Deposits
D eposito 109.995 105.155 125.726 148.722 143.429 141.723 136.619 136.603 142.872 137.787 137.184 136.713 141.241 144.633 149.401 148.946 155.223 161.302 Times Deposits
Tabungan 224 55 4.095 21.870 39.829 54.536 53.569 55.305 56.193 57.831 55.884 56.789 57.672 56.666 57.373 58.573 58.236 58.181 Savings Deposits
b. Kew ajiban kpd BI 11.874 10.807 9.105 11.272 8.028 6.107 6.156 6.286 6.161 6.129 8.090 5.619 5.919 5.877 5.714 5.394 5.433 5.144 b. Liabilities owed to BI
c. A ntar Bank 99.417 119.454 137.790 158.648 134.543 152.746 148.158 149.203 150.606 146.443 148.777 161.853 164.590 176.443 200.502 186.562 194.644 221.238 c. Inter-Bank
d. Surat Berharga 13.411 14.942 17.333 14.301 14.918 17.158 19.597 21.160 21.109 21.021 21.905 25.170 23.753 21.495 21.196 20.818 20.823 23.255 d. Securities
e. Pin jam a n yan g D iterim a 1 1.4 06 12.883 14.319 12.949 21.553 29.323 30.048 27.261 29.543 29.539 30.073 32.500 28.504 36.955 35.319 38.576 34.125 32.430 e. Loans received
Rupiah 8.508 7.023 8.023 8.395 13.131 18.304 18.259 18.226 19.572 18.851 19.037 20.603 21.898 24.375 24.633 25.668 25.560 26.001 - Rupiah
Valas 2.898 5.860 6.296 4.554 8.422 11.019 11.789 9.035 9.971 10.688 11.035 11.897 6.606 12.580 10.686 12.908 8.565 6.430 - Foreign Exchange
f. Kew ajiban Lainnya 16.192 19.913 24.893 34.663 22.874 14.646 16.905 20.407 14.415 15.797 15.749 23.717 17.055 21.549 21.869 19.467 21.046 21.854 f. Other Liabilities
g. Setoran Jam inan 3.242 3.267 4.691 5.220 5.977 4.757 4.204 3.759 3.784 4.063 3.987 4.070 3.987 3.973 4.224 4.578 4.587 5.015 g. Guarantee Deposits
Beberapa Komponen Modal Component s of Capital
a. M odal D isetor 69.548 73.046 78.928 86.283 96.301 105.516 105.849 106.577 109.339 109.649 109.825 109.723 108.919 109.273 109.973 111.972 112.088 112.724 a. Paid-In Capital
b. C adangan 10.649 13.997 18.696 21.765 24.054 27.846 27.822 27.809 28.283 28.917 30.658 33.987 34.051 34.094 34.092 34.112 34.084 34.208 b. Reserves
c. L/R tahun berjalan 24.897 28.334 35.015 30.606 45.215 57.309 5.658 11.037 18.319 23.944 29.544 37.096 42.397 48.240 56.748 63.603 69.446 75.077 c. Curren t Earning s(Profit /Loss)
d. L/R tahun lalu (18.478) (6.880 ) 1.736 35.346 52.805 75.032 137.035 136.942 135.138 129.091 120.550 110.041 109.563 109.353 109.347 108.438 108.748 106.666 d. Retain ed Earning s(Profit /Loss)
e. Perkiraan tam bahan m odal
disetor
37.082 42.248 45.413 37.815 40.958 59.744 59.113 71.842 72.470 73.030 72.832 73.946 74.303 74.140 77.744 78.680 78.501 79.354 e. Estimates of Add itional Paid-In
Capital
f. M odal pinjam an 14.464 14.946 14.863 1.047 1.454 2.955 3.440 4.677 3.036 2.799 2.510 4.186 4.231 4.095 4.203 2.349 3.097 4.160 f. Loan Capital
et: 1) Liha t Penjelasan h al iv Note: 1) see explanation page iv
r) revisi
r) revised
2011
Tabel 1.1 Kegiatan Usaha Bank Umum
(Commercial Bank Operations)
Mil iar Rp (Billion Rp)
Indikator Indicator2005 2006 2007 2008 20092010
4
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Statistik Perbankan Indonesia - Vol. 10, No. 1, Desember 2011 Indonesia Banking Statistics - Vol. 10, No. 1, December 2011
Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Novr) Des
Penyaluran Dana Distr ibut ion of Funds
a. Kredit1) 256.413 287.910 356.151 470.665 544.870 642.718 629.622 637.831 656.897 665.361 681.752 710.769 717.161 733.460 748.038 749.689 764.543 776.833 a. Credit
1)
Rupiah 204.534 231.582 282.055 396.024 486.859 569.041 554.291 562.850 579.990 586.286 598.490 625.300 636.414 645.197 656.030 660.404 671.863 684.620 Rupiah
Valas 51.879 56.328 74.095 74.641 58.011 73.677 75.331 74.982 76.907 79.075 83.262 85.469 80.748 88.263 92.008 89.285 92.680 92.213 Foreign Exchange
b. A ntar Bank 44.496 47.679 41.287 62.023 99.401 72.226 70.184 71.088 67.775 60.923 55.759 52.246 47.741 44.854 60.467 55.741 67.603 69.082 b. Inter-Bank
G iro 2.298 2.706 3.515 12.447 35.572 24.343 17.868 19.212 16.906 15.307 19.718 17.656 16.218 13.552 18.455 18.309 24.644 19.184 Demand Deposit
Inter Bank 28.756 29.772 15.574 26.395 39.551 21.742 23.996 27.054 24.755 19.722 14.268 11.199 9.769 11.341 20.343 18.594 18.835 21.952 Call Money
D eposito 3.773 3.994 3.187 3.728 4.228 5.812 5.771 5.962 5.533 5.819 5.527 4.552 4.099 3.439 3.393 3.281 3.771 4.304 Times Deposits
Lainnya 9.668 11.207 19.010 19.453 20.050 20.329 22.550 18.861 20.581 20.074 16.245 18.839 17.655 16.522 18.277 15.556 20.352 23.642 Others
c. Penem patan di BI 72.469 101.745 151.828 114.991 135.860 202.565 183.817 154.179 169.473 159.943 164.282 166.425 166.795 147.995 164.190 190.888 180.347 270.822 c. Placements at BI
G iro 41.850 52.290 78.113 33.759 39.818 60.036 65.444 66.357 66.655 70.059 68.750 75.316 76.060 76.385 77.029 77.989 80.941 84.814 Demand Deposit SBI 10.121 29.736 46.200 36.763 42.320 31.371 36.670 23.531 31.088 32.972 26.449 25.149 23.591 19.905 19.136 15.925 14.367 16.592 Bank Indonesia Certif icates
(SBI)
C all M oney 14.911 9.649 20.758 34.014 43.835 68.924 74.557 60.252 59.482 53.889 64.636 57.749 59.879 49.405 62.760 88.045 66.264 104.629 Call Money
Lainnya 5.587 10.070 6.756 10.455 9.887 42.234 7.146 4.039 12.248 3.022 4.448 8.210 7.265 2.299 5.265 8.930 18.775 64.788 Others
d. Surat Berharga (tidak term asuk
ob ligasi rekap)
10.920 11.093 29.617 28.742 35.425 43.648 39.457 42.329 46.954 44.548 49.944 48.614 50.449 46.737 48.510 54.348 54.616 54.241 d. Securities (not including
recapitalization bonds)
e. Penyertaan 3.327 2.872 1.922 1.842 2.000 2.261 2.309 2.274 2.277 2.353 2.457 2.446 2.482 3.848 2.492 2.612 2.669 2.874 e. Equity Participation
f. Tagihan Lainnya 13.512 10.331 10.372 14.258 13.796 13.820 12.914 15.402 15.797 15.339 15.819 17.904 18.926 22.138 22.312 21.288 21.430 21.595 f. Other Claims
Sumber Dana Source of Funds
a. D PK 431.397 480.394 571.008 669.827 783.384 898.405 847.453 819.032 845.763 833.443 847.258 869.061 876.413 871.186 899.322 926.133 937.971 1.039 .257 a. Third Party Funds
Rupiah 373.204 426.160 509.552 588.704 680.371 793.338 750.124 717.301 738.868 732.508 742.921 768.765 773.058 770.980 790.333 821.945 823.190 924.763 - Rupiah
G iro 70.509 88.947 121.749 123.438 136.512 152.770 131.287 108.525 116.001 114.651 117.332 130.138 135.285 121.017 134.819 148.019 141.462 190.610 Demand Deposits
D eposito 166.542 176.718 179.313 235.219 274.965 328.677 317.391 312.719 325.054 319.730 321.500 325.208 323.679 321.405 324.000 340.953 337.096 350.862 Times Deposits
Tabungan 136.153 160.496 208.490 230.047 268.894 311.891 301.446 296.057 297.814 298.128 304.089 313.420 314.094 328.558 331.513 332.973 344.632 383.291 Savings Deposits
V alas 58.192 54.234 61.456 81.123 103.013 105.067 97.330 101.731 106.895 100.935 104.337 100.296 103.355 100.206 108.989 104.188 114.781 114.494 - Foreign Exchange
G iro 23.813 23.377 24.865 28.329 36.090 41.763 39.103 46.561 48.091 42.618 46.577 42.047 44.791 41.566 48.167 46.192 56.207 52.253 Demand Deposits
D eposito 34.177 30.818 36.559 45.395 57.236 51.429 46.435 43.135 46.391 46.007 45.788 45.510 45.923 46.370 48.520 45.404 46.216 50.161 Times Deposits
Tabungan 203 38 33 7.399 9.687 11.876 11.791 12.036 12.414 12.310 11.972 12.739 12.641 12.270 12.301 12.592 12.358 12.080 Savings Deposits
b. Kew ajiban kpd BI 7.673 6.493 5.881 5.446 4.409 4.222 4.290 4.263 4.269 4.228 4.261 4.253 4.308 4.223 4.481 4.237 4.318 4.034 b. Liabilities owed to BI
c. A ntar Bank 33.734 33.422 41.998 52.023 45.539 32.571 36.364 35.689 37.840 34.360 39.919 41.092 44.459 44.495 51.961 48.787 55.566 61.386 c. Inter-Bank
d. Surat Berharga 8.559 9.379 9.259 5.631 5.043 5.813 5.808 5.770 5.751 5.732 5.513 6.804 6.066 6.082 6.052 6.041 6.033 6.085 d. Securities
e. Pinjam a n yang Diterim a 9 .0 21 6.750 6.714 3.880 15.886 18.096 18.855 15.868 17.549 17.515 18.008 19.769 13.980 19.739 17.634 19.973 15.527 12.453 e. Loans received
Rupiah 6.666 4.482 4.118 3.618 8.629 8.274 8.269 8.226 8.776 8.005 8.148 9.053 8.542 8.503 8.332 8.460 8.452 8.271 - Rupiah
Valas 2.354 2.268 2.595 262 7.257 9.822 10.586 7.642 8.773 9.509 9.860 10.716 5.438 11.236 9.301 11.513 7.075 4.182 - Foreign Exchange
f. Kew ajiban Lainnya 4.993 5.366 7.578 7.174 7.324 6.873 8.166 9.235 6.383 6.932 7.255 14.717 8.754 12.343 12.125 10.187 10.872 10.376 f. Other Liabilities
g. Setoran Jam inan 1.747 1.645 2.391 2.838 3.401 2.341 2.061 1.899 1.883 1.899 1.743 1.763 1.810 1.797 2.074 2.352 2.342 2.615 g. Guarantee Deposits
Beberapa Komponen Modal Component s of Capital
a. M odal D isetor 27.439 27.751 28.572 29.965 28.179 30.077 30.077 31.265 31.293 31.293 31.293 31.293 31.293 31.293 31.293 31.301 31.307 31.307 a. Paid-In Capital
b. C adangan 5.933 8.097 10.837 12.363 12.402 13.567 13.567 13.567 13.549 13.606 14.436 15.520 15.520 15.520 15.520 15.520 15.520 15.590 b. Reserves
c. L/R tahun berjalan 9.185 9.644 13.332 13.159 18.050 22.766 2.203 5.080 8.185 10.791 12.853 16.619 18.291 20.806 24.369 26.984 29.476 32.659 c. Curren t Earning s(Profit /Loss)
d. L/R tahun lalu (13.528) (12.107 ) (10.772 ) 7.508 14.300 24.050 50.576 50.567 53.291 49.218 44.893 40.210 40.265 40.265 40.265 39.748 40.234 40.295 d. Retain ed Earning s(Profit /Loss)
e. Perkiraan tam bahan m odal
disetor
9.815 13.145 15.864 11.961 15.398 25.375 24.204 34.524 34.916 35.016 34.884 34.575 34.867 34.785 34.474 34.853 34.910 35.243 e. Estimates of Add itional Paid-In
Capital
f. M odal pinjam an 13.844 13.844 13.908 - - 61 61 87 63 213 63 63 63 63 212 56 60 199 f. Loan Capital
et: 1) Liha t Penjelasan h al iv Note: 1) see explanation page iv
r) revisi
r) revised
20092005 2006 2007 20082011
Indikator2010
Indicator
Tabel 1.2 Kegiatan Usaha Bank Persero
(State Owned Banks Operations)
Mil iar Rp (Billion Rp)
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Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des
Penyaluran Dana Distr ibut ion of Funds
a. Kredit1) 277.591 315.256 407.742 524.295 555.617 718.639 708.824 728.002 741.401 756.128 774.377 798.019 804.203 830.444 854.915 870.482 887.709 922.541 a. Credit
1)
Rupiah 248.996 276.768 351.351 452.613 492.045 630.777 621.422 637.778 648.321 660.297 677.944 695.965 702.339 723.762 743.538 756.733 770.063 801.969 Rupiah
Valas 28.594 38.488 56.390 71.682 63.573 87.863 87.402 90.224 93.080 95.831 96.432 102.055 101.864 106.681 111.377 113.749 117.646 120.572 Foreign Exchange
b. A ntar Bank 48.464 45.908 37.716 57.016 58.649 67.057 66.025 65.861 60.455 59.298 52.560 52.180 50.966 52.170 54.697 49.796 50.702 60.255 b. Inter-Bank
G iro 4.965 3.514 3.191 21.825 23.580 11.341 11.325 12.311 10.469 10.820 10.066 10.062 10.855 10.780 8.333 10.022 12.048 13.822 Demand Deposit
Inter Bank 27.163 23.795 16.692 16.350 17.242 36.125 36.327 32.615 29.944 28.572 24.213 23.396 22.514 22.175 27.689 21.558 20.645 24.020 Call Money
D eposito 4.455 3.887 2.783 5.355 4.842 4.662 3.958 5.384 5.041 4.120 3.095 3.388 2.126 2.205 2.090 2.410 2.431 3.200 Times Deposits
Lainnya 11.882 14.712 15.050 13.486 12.986 14.929 14.415 15.552 15.002 15.786 15.187 15.335 15.472 17.009 16.584 15.806 15.578 19.214 Others
c. Penem patan di BI 75.913 133.141 146.616 116.730 173.090 248.452 263.960 254.173 261.414 259.044 262.477 262.185 282.879 267.989 280.180 276.439 285.158 303.512 c. Placements at BI
G iro 43.510 49.313 54.966 32.354 42.473 69.835 70.334 74.654 84.431 87.024 87.824 92.270 93.035 98.291 97.554 96.724 99.040 101.459 Demand Deposit SBI 15.898 79.344 83.476 73.834 118.589 63.955 65.321 62.684 69.585 61.498 50.863 53.444 54.436 53.123 52.324 54.739 59.673 57.499 Bank Indonesia Certif icates
(SBI)
C all M oney 14.788 4.484 8.148 6.909 6.583 89.300 106.142 91.740 80.488 71.491 80.950 73.683 90.371 72.117 89.845 79.352 75.556 85.585 Call Money
Lainnya 1.716 - 26 3.633 5.444 25.363 22.164 25.094 26.910 39.031 42.840 42.788 45.037 44.458 40.457 45.623 50.889 58.969 Others
d. Surat Berharga (tidak term asuk
ob ligasi rekap)
23.809 29.702 55.471 59.650 69.002 68.885 69.192 73.337 79.216 79.876 78.051 75.735 69.828 69.873 70.106 70.727 73.838 73.244 d. Securities (not including
recapitalization bonds)
e. Penyertaan 2.616 2.979 3.613 4.681 7.888 9.930 10.143 10.339 10.429 9.723 9.794 9.986 10.343 10.518 10.791 11.240 11.498 7.919 e. Equity Participation
f. Tagihan Lainnya 6.427 8.620 10.892 17.401 14.500 16.700 16.852 16.521 16.935 18.465 18.559 18.421 19.792 19.863 19.850 21.571 22.170 23.364 f. Other Claims
Sumber Dana Source of Funds
a. D PK 462.747 525.177 606.932 701.710 781.072 975.308 977.628 977.251 1.001 .422 1.004 .067 1.021 .827 1.031 .629 1.052 .110 1.066 .147 1.082 .802 1.095 .158 1.122 .451 1.174 .957 a. Third Party Funds
Rupiah 397.939 455.098 528.154 597.459 668.798 835.532 842.300 833.695 852.469 860.052 882.295 890.992 906.919 925.005 939.601 945.176 971.114 1.021 .904 - Rupiah
G iro 58.170 68.884 91.502 89.607 104.102 133.895 139.214 135.672 135.906 134.490 149.603 149.675 143.782 144.942 145.426 149.190 156.242 166.328 Demand Deposits
D eposito 217.098 244.890 252.222 309.732 326.063 407.603 409.237 401.156 412.373 412.962 418.794 425.822 444.188 454.530 460.235 461.223 469.303 491.864 Times Deposits
Tabungan 122.671 141.324 184.429 198.120 238.632 294.034 293.848 296.867 304.191 312.600 313.897 315.495 318.948 325.533 333.940 334.762 345.569 363.712 Savings Deposits
V alas 64.808 70.079 78.778 104.251 112.274 139.777 135.328 143.556 148.953 144.016 139.532 140.637 145.192 141.142 143.201 149.982 151.337 153.053 - Foreign Exchange
G iro 32.992 35.216 36.676 47.875 49.827 61.322 58.069 62.858 65.141 61.137 58.958 59.014 61.181 56.836 57.645 60.474 58.650 59.043 Demand Deposits
D eposito 31.794 34.845 42.082 51.326 46.729 56.435 55.796 57.906 60.367 57.789 56.396 57.893 59.375 60.828 61.208 64.386 68.517 69.555 Times Deposits
Tabungan 21 17 21 5.051 15.718 22.020 21.463 22.791 23.445 25.090 24.178 23.730 24.636 23.478 24.348 25.122 24.171 24.455 Savings Deposits
b. Kew ajiban kpd BI 3.739 4.151 3.109 3.910 2.780 1.860 1.831 1.948 1.792 1.772 3.687 1.226 1.205 1.193 1.182 1.087 1.016 1.035 b. Liabilities owed to BI
c. A ntar Bank 31.276 40.308 49.041 48.388 37.640 53.688 50.047 53.980 50.995 53.648 48.388 56.513 55.676 60.626 66.593 60.257 60.880 73.540 c. Inter-Bank
d. Surat Berharga 2.721 2.537 4.768 5.383 6.415 5.538 7.491 7.490 7.479 7.503 8.092 9.292 7.313 5.018 4.761 4.771 4.783 7.936 d. Securities
e. Pinjam a n yang Diterim a 1 .4 19 5.168 6.455 7.683 3.980 9.360 9.369 9.555 9.572 9.615 9.680 10.076 11.873 14.544 15.010 15.499 15.513 15.764 e. Loans received
Rupiah 876 1.576 2.754 3.391 2.815 8.164 8.166 8.161 8.374 8.436 8.505 8.895 10.705 13.200 13.625 14.104 14.024 13.517 - Rupiah
Valas 544 3.592 3.701 4.292 1.165 1.197 1.203 1.393 1.198 1.179 1.175 1.180 1.168 1.344 1.385 1.395 1.490 2.248 - Foreign Exchange
f. Kew ajiban Lainnya 5.499 6.268 6.338 9.834 7.190 4.223 6.128 8.654 5.565 6.277 6.242 6.602 5.592 5.967 5.757 6.340 5.793 5.637 f. Other Liabilities
g. Setoran Jam inan 558 749 886 794 1.022 1.147 1.032 981 984 1.283 1.411 1.453 1.371 1.379 1.288 1.367 1.380 1.441 g. Guarantee Deposits
Beberapa Komponen Modal Component s of Capital
a. M odal D isetor 22.490 24.524 25.523 27.969 36.846 40.155 40.264 40.526 41.558 41.560 41.626 42.099 42.140 42.140 42.746 42.746 42.771 43.071 a. Paid-In Capital
b. C adangan 2.462 3.332 4.646 5.186 6.047 7.170 7.170 7.170 7.200 7.207 7.292 9.130 9.139 9.139 9.139 9.139 9.139 9.139 b. Reserves
c. L/R tahun berjalan 9.294 9.822 11.735 4.809 14.205 20.559 2.058 3.350 5.589 7.394 9.838 12.316 14.804 16.761 19.410 21.748 23.791 24.955 c. Curren t Earning s(Profit /Loss)
d. L/R tahun lalu (9.096) (925 ) 4.468 14.948 21.284 31.038 51.924 52.096 50.427 50.302 49.860 44.135 44.073 44.043 44.043 44.043 43.811 41.063 d. Retain ed Earning s(Profit /Loss)
e. Perkiraan tam bahan m odal
disetor
27.146 28.197 28.848 26.893 25.660 32.225 32.993 35.401 34.947 35.284 35.236 36.616 36.636 36.597 40.539 40.965 40.761 41.132 e. Estimates of Add itional Paid-In
Capital
f. M odal pinjam an 155 229 150 - 224 50 734 - - - - - 25 25 25 25 - 500 f. Loan Capital
et: 1) Liha t Penjelasan h al iv Note: 1) see explanation page iv
Indikator 200920082005 20062010 2011
Indicator
Tabel 1.3 Kegiatan Usaha BUSN Devisa
(Foreign Exchange Commercial Banks Operations)
Mil iar Rp (Billion Rp)
2007
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Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des
Penyaluran Dana Distr ibut ion of Funds
a. Kredit1) 16.842 19.114 23.863 27.122 35.700 48.757 49.619 50.450 51.873 53.050 54.607 56.380 57.909 60.615 62.124 64.011 65.907 68.143 a. Credit
1)
Rupiah 16.842 19.114 23.863 27.122 35.700 48.757 49.619 50.450 51.873 53.050 54.607 56.380 57.909 60.615 62.124 64.011 65.907 68.143 Rupiah
Valas - - - - - - - - - - - - - - - - - - Foreign Exchange
b. A ntar Bank 1.136 1.509 1.604 1.238 2.399 4.266 2.599 2.604 2.513 2.687 2.559 4.138 3.029 3.676 3.873 3.772 3.647 4.926 b. Inter-Bank
G iro 266 297 440 121 92 111 130 135 77 88 72 99 101 108 93 116 115 80 Demand Deposit
Inter Bank 380 720 556 205 1.322 2.290 690 665 678 759 677 1.855 880 1.100 1.238 1.059 795 1.358 Call Money
D eposito 49 25 59 28 128 369 287 280 212 280 190 384 446 710 780 804 715 1.192 Times Deposits
Lainnya 440 467 549 884 857 1.497 1.492 1.524 1.545 1.560 1.621 1.800 1.601 1.758 1.761 1.793 2.022 2.296 Others
c. Penem patan di BI 4.892 5.558 9.238 8.503 10.053 17.105 16.642 16.363 18.144 18.008 17.941 18.757 19.944 19.588 21.115 21.830 21.082 24.341 c. Placements at BI
G iro 1.502 1.666 2.021 1.678 2.193 4.935 4.863 4.800 5.052 4.995 5.244 5.263 5.667 5.734 6.062 6.203 6.368 6.604 Demand Deposit SBI 2.529 3.172 6.352 5.393 6.321 2.982 2.956 3.356 3.636 4.166 2.358 2.672 2.842 2.995 3.013 3.263 3.447 3.866 Bank Indonesia Certif icates
(SBI)
C all M oney 842 713 621 807 975 7.536 7.454 6.772 7.952 7.495 8.817 9.340 9.779 9.762 10.230 10.832 9.541 10.866 Call Money
Lainnya 18 6 243 625 564 1.652 1.369 1.436 1.504 1.352 1.522 1.483 1.656 1.098 1.811 1.532 1.726 3.005 Others
d. Surat Berharga (tidak term asuk
ob ligasi rekap)
902 1.100 1.521 2.812 4.528 4.768 4.421 3.994 4.021 3.351 3.602 3.539 3.567 3.512 3.754 3.752 4.196 4.463 d. Securities (not including
recapitalization bonds)
e. Penyertaan 1 - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 e. Equity Participation
f. Tagihan Lainnya 104 52 187 61 74 376 370 384 358 339 333 331 312 348 341 335 253 255 f. Other Claims
Sumber Dana Source of Funds
a. D PK 21.970 24.423 30.491 33.213 43.980 58.950 57.570 57.536 60.121 60.857 62.696 65.393 68.244 70.184 73.398 75.789 77.350 83.095 a. Third Party Funds
Rupiah 21.970 24.423 30.491 33.213 43.979 58.950 57.570 57.536 60.121 60.857 62.696 65.393 68.244 70.184 73.398 75.789 77.350 83.095 - Rupiah
G iro 1.798 1.811 2.195 1.779 2.183 2.745 2.427 2.618 2.686 2.691 2.908 2.864 2.914 2.867 3.085 2.917 3.107 3.634 Demand Deposits
D eposito 18.052 20.234 25.103 28.059 37.635 50.026 48.745 48.255 50.517 51.193 52.445 54.767 57.095 59.171 61.274 63.441 64.409 69.180 Times Deposits
Tabungan 2.120 2.379 3.194 3.375 4.161 6.178 6.399 6.662 6.919 6.973 7.344 7.762 8.236 8.146 9.039 9.431 9.834 10.281 Savings Deposits
Valas - - - 0 0 - - - - - - - - - - - - - - Foreign Exchange
G iro - - - 0 0 - - - - - - - - - - - - - Demand Deposits
D eposito - - - - 0 - - - - - - - - - - - - - Times Deposits
Tabungan - - - - - - - - - - - - - - - - - - Savings Deposits
b. Kew ajiban kpd BI 250 20 17 388 67 4 3 3 3 2 2 2 1 1 1 1 0 0 b. Liabilities owed to BI
c. A ntar Bank 309 802 2.017 1.088 2.272 2.458 2.374 2.318 2.488 2.011 1.941 2.443 1.316 2.162 2.323 1.815 2.229 3.178 c. Inter-Bank
d. Surat Berharga - - 309 301 1.021 3.433 3.430 3.430 3.410 3.411 3.411 3.910 3.907 3.907 3.908 3.911 3.912 3.888 d. Securities
e. Pinjam an yang D iterim a 68 59 62 76 128 306 304 303 888 884 883 885 884 908 937 1.000 998 997 e. Loans received
Rupiah 68 59 62 76 128 306 304 303 888 884 883 885 884 908 937 1.000 998 997 - Rupiah
Valas - - - - - - - - - - - - - - - - - - - Foreign Exchange
f. Kew ajiban Lainnya 129 161 226 244 311 203 194 282 193 184 165 212 224 261 209 222 248 283 f. Other Liabilities
g. Setoran Jam inan 24 26 6 8 6 9 8 8 8 9 8 9 8 8 8 9 9 10 g. Guarantee Deposits
Beberapa Komponen Modal Component s of Capital
a. M odal D isetor 1.984 2.258 3.042 3.693 4.295 6.931 6.933 6.983 6.987 6.602 7.200 7.200 6.277 6.338 6.338 6.666 6.731 6.837 a. Paid-In Capital
b. C adangan 160 194 200 217 254 225 230 230 241 244 250 252 261 261 261 261 261 261 b. Reserves
c. L/R tahun berjalan 279 399 765 604 360 502 114 241 421 578 694 826 972 1.103 1.293 1.506 1.678 1.785 c. Curren t Earning s(Profit /Loss)
d. L/R tahun lalu 575 677 921 1.332 1.503 1.742 2.201 2.189 2.119 2.438 2.034 2.012 2.698 2.701 2.701 2.701 2.701 2.776 d. Retain ed Earning s(Profit /Loss)
e. Perkiraan tam bahan m odal
disetor
(6) 46 47 (1) 89 1.368 1.310 1.318 1.360 1.389 1.397 1.401 1.425 1.412 1.410 1.450 1.439 1.467 e. Estimates of Add itional Paid-In
Capital
f. M odal pinjam an 64 87 256 459 444 281 265 220 381 208 249 673 697 847 847 830 764 826 f. Loan Capital
et: 1) Liha t Penjelasan h al iv Note: 1) see explanation page iv
Tabel 1.4 Kegiatan Usaha BUSN Non Devisa
(Non-Foreign Exchange Commercial Banks Operations)
Mil iar Rp (Billion Rp)
Indikator Indicator20092005 20072006 20082010 2011
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Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Novr) Des
Penyaluran Dana Distr ibut ion of Funds
a. Kredit1) 44.931 55.955 71.881 96.385 120.754 143.707 143.395 145.945 149.427 152.882 156.810 161.654 164.753 167.632 170.352 173.415 176.645 175.702 a. Credit
1)
Rupiah 44.889 55.919 71.529 95.751 120.244 143.174 142.896 145.459 148.860 152.328 156.345 160.929 164.003 166.879 169.425 172.474 175.637 174.668 Rupiah
Valas 42 36 351 635 510 534 500 486 567 553 465 725 750 753 927 941 1.007 1.034 Foreign Exchange
b. A ntar Bank 13.785 21.139 14.786 19.517 22.312 29.634 27.074 28.506 28.672 28.093 31.417 32.221 31.322 32.410 36.797 30.792 33.418 37.963 b. Inter-Bank
G iro 936 1.191 2.332 734 970 1.299 1.648 2.145 1.698 1.582 1.627 900 2.563 2.010 2.328 1.437 1.337 1.410 Demand Deposit
Inter Bank 1.923 6.042 4.285 5.923 8.392 8.952 6.971 9.568 7.421 7.407 8.463 8.752 8.721 9.785 8.474 6.266 7.383 10.697 Call Money
D eposito 9.104 12.018 6.400 11.216 11.434 15.992 15.158 13.095 16.098 16.254 18.117 19.456 16.525 16.910 22.188 19.276 20.669 21.368 Times Deposits
Lainnya 1.822 1.888 1.769 1.645 1.516 3.391 3.298 3.698 3.455 2.849 3.210 3.113 3.514 3.705 3.808 3.813 4.029 4.487 Others
c. Penem patan di BI 36.628 69.589 62.827 45.986 32.609 47.372 55.305 68.004 72.238 69.176 71.568 76.464 76.145 66.467 82.041 79.859 79.850 66.726 c. Placements at BI
G iro 7.286 14.196 20.972 8.677 8.793 16.269 15.340 15.536 18.366 18.996 19.847 19.670 21.157 20.462 20.160 22.221 21.260 22.898 Demand Deposit SBI 17.297 43.115 34.842 26.260 10.645 5.411 7.061 6.995 7.554 8.294 8.055 7.619 7.432 7.121 5.843 7.615 7.726 8.130 Bank Indonesia Certif icates
(SBI)
C all M oney 6.414 4.973 4.000 4.709 6.191 14.763 19.829 29.131 31.794 24.516 26.665 28.573 28.103 18.600 35.976 26.484 28.514 14.836 Call Money
Lainnya 5.630 7.304 3.014 6.340 6.980 10.930 13.074 16.341 14.523 17.370 17.001 20.601 19.453 20.285 20.062 23.539 22.350 20.862 Others
d. Surat Berharga (tidak term asuk
ob ligasi rekap)
3.477 3.654 9.503 10.212 9.750 3.359 3.485 3.530 3.038 4.669 5.408 3.038 2.754 2.692 2.949 3.480 3.763 3.217 d. Securities (not including
recapitalization bonds)
e. Penyertaan 14 13 34 34 36 36 36 36 36 36 36 36 36 46 46 46 46 46 e. Equity Participation
f