Statistik Perbankan Indonesia Desember 2011

8/18/2019 Statistik Perbankan Indonesia Desember 2011

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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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ii Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11

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 :

[email protected]

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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iv Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11

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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vIndonesian Banking Statistics, Vol. 10, No. 1, December 2011

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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vi Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11


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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viiIndonesian Banking Statistics, Vol. 10, No. 1, December 2011


• 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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viii Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11

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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ixIndonesian Banking Statistics, Vol. 10, No. 1, December 2011

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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x Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11

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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xiIndonesian Banking Statistics, Vol. 10, No. 1, December 2011

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


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


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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xiiiIndonesian Banking Statistics, Vol. 10, No. 1, December 2011

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)


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:



15/184

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)


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



16/184

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)


17/184

xvi Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11

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


18/184

xviiIndonesian Banking Statistics, Vol. 10, No. 1, December 2011

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


19/184

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


20/184

xixIndonesian Banking Statistics, Vol. 10, No. 1, December 2011

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


21/184

xx Statistik Perbankan Indonesia, Vol. 10, No. 1, D esem ber 20 11

H alam an ini sengaja dikosongkan


22/184

DATA


23/184

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


Bank Um um


Bank Um um

Rural Banks

Bank Um um

Jumlah Kantor

Sumber Dana

Penyaluran Dana

2008

Bank Um um


SBI dan SBIS1)

20112010

2005


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


24/184

DATA BANK UMUMDATA BANK UMUMDATA BANK UMUMDATA BANK UMUMDATA BANK UMUM


25/184



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



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)


Indikator Indicator2005 2006 2007 2008 20092010

4


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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






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


(SBI)


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


ob ligasi rekap)






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







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




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


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





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)


disetor


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


r) revisi

r) revised

20092005 2006 2007 20082011

Indikator2010

Indicator

Tabel 1.2 Kegiatan Usaha Bank Persero

(State Owned Banks Operations)


5


27/184


Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des


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






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



(SBI)


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


ob ligasi rekap)






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







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




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


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





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)


disetor


Capital

f. M odal pinjam an 155 229 150 - 224 50 734 - - - - - 25 25 25 25 - 500 f. Loan Capital


Indikator 200920082005 20062010 2011

Indicator

Tabel 1.3 Kegiatan Usaha BUSN Devisa

(Foreign Exchange Commercial Banks Operations)


2007

6


28/184


Des Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des


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


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



(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


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


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


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




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



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)


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


Tabel 1.4 Kegiatan Usaha BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Operations)


Indikator Indicator20092005 20072006 20082010 2011

7


29/184




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


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



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



(SBI)


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


ob ligasi rekap)



e. Penyertaan 14 13 34 34 36 36 36 36 36 36 36 36 36 46 46 46 46 46 e. Equity Participation

f

Statistik Perbankan Indonesia Desember 2011

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Transcript of Statistik Perbankan Indonesia Desember 2011