b is pi agustus 2012

VOL: 9 No. 9 AGUSTUS 2011 BULANAN MONTHLY

STATISTIK PERBANKAN INDONESIA INDONESIAN BANKING STATISTICS

ISSN: 2086-2954

KAT PENGANTAR KATA PENGANTAR

PREFA PREFACE

Statistik Perbankan Indonesia (SPI) merupakan media publikasi yang menyajikan data mengenai perbankan Indonesia. Buku SPI ini diterbitkan secara berkala (bulanan) oleh Direktorat Perizinan dan Informasi Perbankan, Bank Indonesia, untuk memberikan gambaran perkembangan perbankan di Indonesia. Mulai penerbitan Edisi Januari 2011, SPI disempurnakan dengan penambahan data baru yaitu Kredit UMKM Berdasarkan Undang-Undang No.20 Tahun 2008 tentang UMKM. Dengan penyempurnaan SPI ini, kami berharap agar data yang disajikan lebih memberikan manfaat yang optimal bagi pembaca. Jakarta, Oktober 2011

The Indonesian Banking Statistics (SPI) is a media publication that provides data regarding the banking industry in Indonesia. This publication is published monthly by Directorate of Bank Licensing and Banking Information, Bank of Indonesia, in order to represente the development of the Indonesian banking industry. Starting from January 2011 edition, SPI is enhanced with the 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 optimum benefits to our readers.

BANK INDONESIA Direktorat Perizinan dan Informasi Perbankan

Jakarta, October 2011 BANK INDONESIA Directorate of Bank Licensing and Banking Information

ii

Statistik Perbankan Indonesia, Vol. 9, No. 9, Agustus 2011

HALAMAN KETERANGAN

PAGE OF REFERENCE

Jadwal Publikasi Kedepan Edisi September 2011 akan diterbitkan pada minggu ke III bulan November 2011. Tanda-tanda, dan Sumber Data Suatu jumlah tidak selalu sama besarnya dengan penjumlahan angka-angka yang bersangkutan kaerena pembulatan. r ( ) * ** *** ... -$ Angka-angka diperbaiki Sebagian dari suatu jumlah Angka-angka sementara Angka-angka sangat sementara Angka-angka sangat-sangat sementara Tidak ada Angka belum tersedia Nol atau lebih kecil daripada digit terakhir Dolar Amerika Serikat

Advance Release Calender (ARC) September 2011 edition will be released on the 3rd week of November 2011. Notes, Symbols and Sources of Data Totals do not necessarily agree with the sum of items shown because of roundings.

r ( ) * ** *** ... -$

Revised figures Subset of data Provisional figures Very provisional figures Estimated figures Not available Figures are not available yet Nil or less than the last digit US Dollar

Tanda koma pada angka-angka harap dibaca sebagai titik dan sebaliknya tanda titik harap dibaca sebagai koma. Sumber Data : Bank Indonesia kecuali jika dinyatakan lain. Alamat untuk berlangganan : Bagian Informasi, Administrasi dan Publikasi Perbankan (IAdmP) Bank Indonesia Menara Radius Prawiro, Lantai 11 Jl. MH Thamrin No. 2, Jakarta 10350 Telepon : (021) 3817080, 3818032 Fax : (021) 3523705 Data dalam publikasi Bank Indonesia ini juga disediakan melalui website Bank Indonesia (http:// www.bi.go.id) selambat-lambatnya 1 minggu setelah edisi publikasi Alamat penyampaian pertanyaan : [email protected] Telepon: (021) 3817080 Fax: 3523705

Commas in the numbers please read as point and vice versa, please read the point as a comma

Data Source : Bank Indonesia unless mentioned otherwise. Address for Subscription : Information, Administration and Publication Banking Division (IAdmP) Bank Indonesia Radius Prawiro Tower, 11th Floor Jl. MH Thamrin No. 2, Jakarta 10350 Phone : (021) 3817080, 3818032 Fax : (021) 3523705 The data in Bank Indonesia publication are also provided through Bank Indonesia website (http:// www.bi.go.id) no later than 1 week ofter the edition.

Address for queries : [email protected] Telephone: (021) 3817080 Fax: 3523705

Indonesian Banking Statistics, Vol. 9, No. 9, August 2011

iii

AFTAR DAFTAR ISI

TABLE OF CONTENT

KATA PENGANTAR

i

INTRODUCTION

i

HALAMAN KETERANGAN

iii

PAGE OF REFFERENCE

iii

DAFTAR ISI

iv

TABLE OF CONTENT

iv

PENJELASAN

v

CLARIFICATIONS

v

DAFTAR SINGKATAN

ix

LIST OF ABBREVIATIONS

ix

DAFTAR ISTILAH

x

LIST OF TERMS

x

DAFTAR RASIO

xii

LIST OF RATIOS

xii

DAFTAR TABEL

xvi

LIST OF TABLES

xvi

DATA

1

DATA

1

DATA BANK UMUM

3

COMMERCIAL BANK DATA

3

DATA PERBANKAN SYARIAH

91

SHARIA BANK DATA

91

DATA BANK PERKREDITAN RAKYAT (BPR)

107

RURAL BANK DATA

107

DATA PERKREDITAN

123

CREDIT DATA

123

GRAFIK

157

GRAPHIC

157

iv


PENJELASAN

CLARIFICA CLARIFICATIONS

1. Data yang digunakan dalam Publikasi Statistik Perbankan Indonesia bersumber dari Laporan Bulanan Bank Umum (LBU) Laporan Bulanan Bank Umum Syariah (LBUS), dan Laporan Bulanan Bank Perkreditan Rakyat (Lapbul BPR) kecuali dinyatakan lain. 2. Semua jenis data Bank Umum mencakup pula data Bank Umum Syariah dan unit usaha syariah dari bank umum konvensional, hal ini disebabkan karena pelaporan perbankan diolah sistem perbankan sebagai satu kesatuan. Untuk keperluan statistik perbankan syariah, disajikan data khusus perbankan syariah secara terpisah. 3. Data kinerja Bank Umum mengacu pada SE No.6/ 23/DPNP tanggal 31 Mei 2004 perihal sistem penilaian tingkat kesehatan Bank Umum dan Data Kinerja Bank Umum Syariah mengacu pada SE No.9/24/DPbS tanggal 30 Oktober 2007 perihal Sistem Penilaian Tingkat Kesehatan Bank Umum berdasarkan prinsip syariah. Mulai data Maret 2010 dilakukan pemisahan data kinerja antara Bank Umum Konvensional dengan Bank Umum Syariah. 4. Data Kredit Mulai bulan Januari 2010 Data Kredit Bank Umum disajikan berdasarkan jumlah menurut Biaya Perolehan atau Biaya Perolehan Diamortisasi atau Nilai Wajar. Biaya Perolehan adalah jumlah kas atau setara kas yang dibayarkan (diterima) atau nilai wajar dari imbalan lain yang diserahkan (diterima) untuk memperoleh suatu aset (menerbitkan suatu kewajiban) pada saat perolehan. Biaya Perolehan Diamortisasi adalah jumlah aset keuangan atau kewajiban keuangan yang diukur pada saat pengakuan awal dikurangi pembayaran pokok, ditambah atau dikurangi amortisasi kumulatif menggunakan metode suku bunga efektif yang dihitung dari selisih

1. The data used in the Indonesian Banking Statistics is derive from Commercial Bank Monthly Reports, Sharia Bank Monthly Reports and Rural Bank Monthly Reports. 2. The entire data on Commercial banks includes Sharia Commercial Banks and sharia business unit from conventional commercial banks data because the bank reports are processed by the banking information system as a whole. For statistical purposes of sharia banking, specific sharia data are presented separately. 3. Commercial Bank Performance Data refer to the circular letter No. 6/23/DPNP May 31, 2004 regarding the rating system for commercial banks and Sharia Banks Performance data refers to the circular letter No. 9/24/DPbS October 30, 2007 regarding the Rating System for Commercial Banks Based on Sharia Principles. Starting in March 2010, bank performance data are separated between conventional banks and sharia banks 4. Credit Data Starting in January 2010 Credit Data of Commercial Banks are presented based on the amount of acquisition Cost or amortized acquisition cost or fair value. Acquisition cost is the amount of cash or cash equivalents paid (received) or the fair value of other rewards given (acceptable) to acquire an asset (issuing an obligation) at the time of acquisition. Acquisition costs amortized is the amount of financial assets or financial liabilities are measured at initial recognition minus principal payments, plus or minus the cumulative amortization using the effective interest method is calculated from the difference between initial value and maturity value. Decline in value is recognized by using the postal Reserves Value Losses Decrease. Fair value is the value which an asset could be


v

antara nilai awal dan nilai jatuh temponya. Penurunan nilai diakui dengan menggunakan pos Cadangan Kerugian Penurunan Nilai. Nilai wajar adalah nilai dimana suatu aset dapat dipertukarkan atau suatu kewajiban diselesaikan antara pihak yang memahami dan berkeinginan untuk melakukan transaksi wajar (arms length transaction). Selanjutnya, untuk mengetahui nilai nominal kredit disajikan tabel khusus yang menyajikan kredit berdasarkan nilai. Data kredit yang ditampilkan merupakan kredit yang tercatat di neraca Bank dan tidak memperhitungkan penerusan kredit yang tercatat dalam rekening administratif (offbalance sheet) kecuali dinyatakan lain. Cakupan kredit meliputi tagihan kredit kepada penduduk dan non penduduk (Untuk data BPR hanya meliputi tagihan kredit kepada penduduk). Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kinerja; aktiva produktif; NPL (kecuali data NPL penerusan kredit offbalance sheet); kegiatan usaha; dan kredit (kecuali data penerusan kredit off-balance sheet). Mulai Edisi Januari 2010 kredit berdasarkan jenis penggunaan tidak disajikan rinciannya. Cakupan kredit dalam publikasi ini berbeda dengan cakupan kredit pada publikasi SEKI. Januari s.d Desember 2010 data kredit MKM sementara disajikan menurut nilai nominal yaitu nilai yang tercantum dalam surat berharga atau kontrak yang diperjanjikan, untuk data Januari 2011 dan seterusnya data MKM disajikan menurut nilai wajar. Cakupan kredit MKM adalah: kredit mikro yakni kredit dengan plafon 0 sampai dengan maksimum Rp50 juta, kredit kecil yakni kredit dengan plafon lebih dari Rp50 juta sampai dengan maksimum Rp500 juta dan kredit menengah

exchanged or a liability settled between the parties to understand and willing to perform normal transactions (arms 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 off-balance sheet unless otherwise stated. Credits include credit claims from citizens and non-citizens (Rural Bank data only includes credit claims from citizens). The data related to the information above is presented in the performance data tables: earning assets; nonperforming loans (NPL) (except for NPL data regarding channelling credit off-balance sheet); operations; and credits (except for channelling credit data regarding off-balance sheet). Starting January 2010 edition, there is no detail for credit based on type of use. The scope of the credit in this publication is different from the coverage of credit in the publication SEKI. January - Desember 2010 Data on Micro, Small, Medium Scale Business credit is presented according to the nominal value of listed securities or the contractual agreement, starting January 2011 MKM are presented on fair value. Data on Micro, Small, Medium Scale Business credit in this book mean: micro credit is credit with ceiling Rp 0 up to Rp 50 million, Small credit is credit with ceiling Rp 50 million up to Rp 500 million, and Medium credit is credit is with ceiling Rp 500 million up to Rp 5 billion. Credit Data on Micro, Small, Medium Scale Business credit does not include data regarding credit cards or credits disbursed by Rural Banks. The data related to the infomartion above is presented in the performance data tables Micro Small, Medium Credit based on group of bank, Micro Small, Medium Credit based on type of use,

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PENJELASANyakni kredit dengan plafon lebih dari Rp500 juta sampai dengan maksimum Rp5 miliar. Data kredit MKM tidak mencakup data kartu kredit dan kredit yang disalurkan oleh BPR. Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kredit MKM menurut kelompok bank, kredit MKM menurut jenis penggunaan, kredit MKM berdasarkan lokasi proyek per provinsi, dan kredit MKM berdasarkan sektor ekonomi. Mulai Edisi Januari 2011 disajikan data UMKM sesuai yang diatur dalam UU No. 20 Tahun 2008 tentang UMKM. Yang dimaksud dengan Usaha Mikro adalah usaha produktif milik perorangan dan/atau badan usaha perorangan yang memiliki kekayaan bersih paling banyak Rp 50 juta (tidak termasuk tanah dan bangunan tempat usaha) atau memiliki hasil penjualan tahunan paling banyak Rp 300 juta. Usaha kecil adalah usaha ekonomi produktif yang berdiri sendiri, yang dilakukan perorangan atau badan usaha (tidak termasuk anak perusahaan) yang memiliki kekayaan bersih Rp 50 juta s.d Rp 500 juta (tidak termasuk tanah dan bangunan usaha) atau memiliki hasil penjualan tahunan lebih dari Rp 300 juta s.d Rp 2,5 miliar. Usaha Menengah adalah usaha ekonomi produktif yang berdiri sendiri yang dilakukan perseorangan atau badan usaha (bukan anak perusahaan) yang memiliki kekayaan bersih lebih dari Rp 500 juta s.d Rp 10 miliar (tidak termasuk tanah dan bangunan usaha) atau memiliki hasil penjualan tahunan lebih dari Rp 2,5 Miliar s.d Rp 50 miliar. Data Kredit UMKM dimaksud mulai Januari 2012 akan menggantikan Data Kredit MKM yang selama ini disajikan.

CLARIFICA CLARIFICATIONSMicro Small, Medium Credit based on project location, Micro Small, Medium 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 with productive enterprises Micro is a privately-owned and / or individual business entity that has a net worth exceeding IDR 50 million (excluding land and building) or have annual sales revenue exceeding IDR 300 million. Small businesses are productive economic activities that stand alone, which made individual or business entity (not including subsidiaries) which has a net worth IDR 50 million up to IDR 500 million (excluding land and building 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 building business) or have annual sales of more than IDR 2 , 5 billion up to IDR 50 billion In January 2012, the MKM credit data will be replaced by SMEs credit data Bank Relationship on the table Commercial Bank Credit based on Bank relationship mean status related bank and the party which transaction with bank. Related party is any individual or company/ entity exercising control over the bank, whether directly or indirectly, through ownership, management, and/or financial relation. Not related party is other party excluding related party as mention above.


vii

PENJELASAN Yang dimaksud dengan Hubungan Dengan Bank pada tabel Kredit Bank Umum Berdasarkan Hubungan dengan Bank adalah status keterikatan antara bank dengan pihak yang melakukan transaksi dengan bank. Pihak terkait adalah perseorangan atau perusahaan/badan yang mempunyai hubungan dengan pengendalian bank, baik secara langsung maupun tidak langsung, melalui hubungan dengan kepemilikan, kepengurusan dan atau keuangan. Pihak tidak terkait adalah pihak-pihak yang tidak termasuk pada pihak terkait dengan bank sebagaimana tersebut di atas. Yang dimaksud dengan Kredit yang penarikannya menggunakan kartu adalah pemberian fasilitas kredit yang penarikannya dilakukan dengan kartu kredit. 5. Data Non Performing Loan Data Non Performing Loan yang ditampilkan merupakan Non Performing Loan Gross, yakni tanpa memperhitungkan penyisihan yang dibentuk untuk mengantisipasi risiko kerugian. Data Non Performing Loan ditampilkan dalam nominal dan persentase. Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel aktiva produktif; dan NPL. 6. Data Surat Berharga dalam pos penyaluran dana Data surat berharga yang ditampilkan merupakan surat berharga yang diterbitkan oleh pihak ketiga bukan bank. Data yang ditampilkan tidak memperhitungkan obligasi dalam rangka program rekapitalisasi yang diterbitkan oleh Pemerintah. Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kegiatan usaha. 7. Data suku bunga menggunakan suku bunga ratarata tertimbang

CLARIFICA CLARIFICATIONSCredit withdrawn by credit card 5. Non-Performing Loan Data Non-performing loan data is show as the gross non-performing loan, that is, without taking into account the reserve formed in anticipation of the risk of losses. Non-performing loan data is show in nominal and percentage figures. Data related to the information above is shown as figures in the 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 the Government. The data mentioned above is displayed in the business operations table. 7. The Data of interest rates based on the weightedaverage of interest rates. 8. Estimates of Additional Paid-In Capital The estimates are derived from the agio account; capital contributions; and adjustments resulting from the conversion of overseas branch office financial reports. 9. The data of time deposit can not be displayed temporary. 10. Estimates of Reserves The estimates are derived from the general reserve, designated reserves and retained earnings accounts. 11. Data downloading process Data from the Commercial Bank Monthly Reports and the sharia Bank Monthly Reports is submitted by the reporting banks to Bank Indonesia, and is processed using the Bank Indonesia Banking Sector Management Information System. The time taken to download data from Banking Information

viii


8. Perkiraan Tambahan Modal Disetor Terdiri dari pos agio; (disagio); modal sumbangan; dan penyesuaian akibat penjabaran laporan keuangan kantor cabang di luar negeri. 9. Data Deposito berdasarkan jangka waktu untuk sementara tidak dapat disajikan. 10. Perkiraan Cadangan Terdiri dari pos Cadangan umum; Cadangan tujuan; dan Laba yang ditahan. 11. Proses Download Data Data Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan Bank Umum Syariah (LBUS) yang disampaikan dari bank pelapor kepada Bank Indonesia, diolah melalui Sistem Informasi Perbankan (SIP). Perbedaan waktu download data LBU melalui SIP dapat menyebabkan perbedaan pada data yang dipublikasikan ini dengan data publikasi yang lain. Oleh sebab itu, pembaca dihimbau untuk memperhatikan waktu download data. Pemrosesan data bulan laporan Agustus 2011 untuk Publikasi Statistik Perbankan Indonesia Edisi Agustus 2011 dilakukan pada tanggal 29 September 2011. 12. Publikasi Statistik Perbankan Indonesia juga dilakukan melalui website Bank Indonesia (www.bi.go.id).

System can result in variations of the data that is published in this book, compared to other published data. Therefore, readers are recommended to taken into account the downloading time. The processing of the August 2011 monthly reports for the August 2011 edition of the Indonesian Banking Statistics was done on 29 September 2011. 12. The Indonesian Bank Statistics Book is also published via the Bank Indonesia website (www.bi.go.id).


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AFTAR SINGKAT DAFTAR SINGKATAN

ABBREVIATIONS LIST OF ABBREVIATIONS

APYD ATMR BOPO

: Aktiva Produktif Yang Diklasifikasikan : Aktiva Tertimbang Menurut Risiko : Biaya Operasional terhadap Pendapatan Operasional

APYD ATMR BOPO

: Classified Earning assets : Risk Weighted Assets : Operations Expenses to Operations Income

BPD CAR DPK KAP KBAB KP KC KCP KK KPW LBU LDR NIM NPL

: Bank Pembangunan Daerah : Capital Adequacy Ratio : Dana Pihak Ketiga : Kualitas Aktiva Produktif : Kewajiban Bersih Antar Bank : Kantor Pusat : Kantor Cabang : Kantor Cabang Pembantu : Kantor Kas : Kantor Perwakilan : Laporan Bulanan Bank Umum : Loan to Deposit Ratio : Net Interest Margin : Non Performing Loan

BPD CAR DPK KAP KBAB KP KC KCP KK KPW LBU LDR NIM NPL

: Regional Development Bank : Capital Adequacy Ratio : Third Party Funds : Earning assets Qualtiy : Inter-Bank Net Liabilities : Head Office : Branch Office : Sub-Branch Office : Cash Office : Representative Office : Commercial Bank Monthly Report : Loan to Deposit Ratio : Net Interest Margin : Non-Performing Loan

PPAPYD : Penyisihan Penghapusan Aktiva Produktif yang Dibentuk PPAPWD : Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk ROA SIP UKM UMKM NOM FDR : Return on Assets : Sistem Informasi Perbankan : Usaha Kecil Menengah : Usaha Mikro Kecil Menengah : Net Operating Margin : Financing to Deposit Ratio

PPAPYD : Productive Asset Write-off Reserve PPAPWD : Mandatory Productive Asset Write-off Reserve ROA SIP UKM UMKM : Return on Assets : Banking Information System : Small/Medium-Scale-Enterprise Industry : Small/Medium/Micro-Enterprise Industry (SMEs) NOM FDR : Net Operating Margin : Financing to Deposit Ratio

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GLOSARIUM GLOSARIUM

GLOSSARY GLOSSARY

Aktiva Produktif : Penanaman dana Bank baik dalam Rupiah maupun valas dalam bentuk kredit, surat berharga, penempatan dana antar bank, penyertaan, termasuk komitmen dan kontinjensi pada transaksi rekening administratif. APYD : Aktiva produktif baik yang sudah maupun yang mengandung potensi tidak memberikan penghasilan atau menimbulkan kerugian ATMR : Terdiri dari : 1. aktiva neraca yang diberikan bobot sesuai kadar risiko kredit yang melekat 2. beberapa pos dalam off-balance sheet yang diberikan bobot sesuai dengan kadar risiko kredit yang melekat Call Money BI : Penempatan dana pada Bank Indonesia dalam bentuk call money yang merupakan intervensi rupiah oleh Bank Indonesia dalam rangka operasi pasar terbuka (OPT) DPK : Simpanan pihak ketiga bukan bank yang terdiri dari Giro, Tabungan berjangka Kredit : Penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasarkan persetujuan atau kesepakatan pinjam-meminjam antara Bank dengan pihak lain yang mewajibkan pihak peminjam dan Simpanan

Earning assets

: The investment of either Rupiah or foreign currency by a Bank to the form of credits, money instruments, inter-bank placements, equity participation, including

commitments and contingencies of the off-balance sheet account. Classified Productive Assets : Earning assets that do not, or have the potential to not provide a profit or could even incur a loss. Risk Weighted Assets : Consists of: 1. Assets in the balance sheet that are ranked according to the level of risk of the credit in question. 2. Several accounts in the offbalance sheet that 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 call money, representing a rupiah intervention by Bank Indonesia as part of open market operations (OPT). Third Party Funds : Non-bank third party deposits consisting of demand deposit, savings deposit and time deposit. Credit : The provision of funds or related claims based on an agreement or contract to borrow/loan funds between banks and another party that obliges the borrower to pay off his/her debt according to a


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AFTAR DAFTAR ISTILAH

LIST OF TERMS

untuk melunasi utangnya setelah jangka waktu tertentu dengan pemberian bunga, termasuk : 1. Pembelian Surat Berharga nasabah yang dengan Note dilengkapi Purchase

designated schedule and interest charges, including: 1. The purchase of Money Instruments by clients, complete with a Note Purchase

Agreement (NPA). 2. The transfer of claims involved in factoring activities.

Agreement (NPA) 2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang Penerusan Kredit : Kredit dalam rupiah maupun valas yang disalurkan oleh bank yang dananya berasal dari pihak lain, dan atas penyaluran kredit tersebut bank tidak menanggung risiko. Penerusan kredit ini dibukukan pada rekening administratif (offbalance sheet) Channelling Credit

: Credit in rupiah or foreign currency that is from another party that is disbursed by a bank, wherein the bank does not bear any risk for the credit disbursement. Channelling credits are recorded in the offbalance sheet.

xii


AFTAR DAFTAR RASIO

RATIOS LIST OF RATIOS

CAR

Perhitungan rasio Car mulai edisi Maret 2010 telah disesuaikan dengan ketentuan PBI No. 10/15/PBI/2008 tanggal 24 September 2008 perihal Kewajiban Penyediaan Modal Minimum Bank Umum, sebagai berikut: CAR = modal / ATMR Modal bagi Bank yang berkantor pusat di Indonesia terdiri dari: a. Modal inti (tier 1); b. Modal Pelengkap (tier 2); dan c. Modal pelengkap tambahan (tier 3). Setelah memperhitungkan faktor-faktor tertentu yang menjadi pengurang modal sebagaimana dimaksud dalam pasal 13 dan pasal 20 pada PBI No. 10/15/PBI/2008. Modal bagi kantor cabang dari bank yang kantor pusatnya berkedudukan di luar negeri adalah dana bersih kantor pusat (Net Head Office Fund) yang terdiri dari: a. Dana Usaha (Net Inter Office Fund); b. Laba ditahan dan laba tahun lalu setelah dikeluarkan pengaruh faktor-faktor sebagaimana dimaksud dalam pasal 10 ayat (2) pada PBI No. 10/15/PBI/2008; c. Laba tahun berjalan sebesar 50% setelah dikeluarkan pengaruh faktor-faktor sebagaimana dimaksud dalam pasal 10 ayat (2) PBI No. 10/15/PBI/2008; d. Cadangan umum modal; e. Cadangan tujuan modal; f. Revaluasi aset tetap dengan cakupan dan perhitungan sebagaimana dimaksud dalam pasal 16 ayat (1) huruf c PBI No. 10/15/PBI/2008 g. Cadangan umum penyisihan penghapusan aset (PPA) atas aset produktif dengan perhitungan sebagaimana dimaksud dalam pasal 16 ayat (1) huruf d PBI No. 10/15/PBI/2008.

CAR

Starting 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 Commercial Banks, as follows: CAR = capital / RWA Capital for the Bank is head office in Indonesia consists of: a. Core capital (tier 1); b. Supplementary capital (tier 2); and c. Additional supplementary capital (tier 3). After taking into account certain factors that a reduction of capital referred to in Article 13 and Article 20 of Regulation No. 10/15/ PBI/2008. Capital for foreign bank branch office is Net Head Office Fund consisting of: a. Operating Funds (Net Inter Office Fund); b. Retained earnings and profit last year after removed the influence of the 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 the factors referred to in Article 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 Article 16 paragraph (1) letter c PBI No. 10/15/PBI/ 2008 g. General reserve asset allowance (PPA) of productive assets in the calculation referred to in paragraph Article 16 paragraph (1) letter d PBI No. 10/15/PBI/ 2008. After taking into account certain factors that a reduction of capital components as provided for in Article 10 paragraph (1) letter


xiii

AFTAR DAFTAR RASIO


Setelah memperhitungkan faktor-faktor tertentu yang menjadi pengurang komponen modal sebagaimana diatur dalam pasal 10 ayat (1) huruf b, pasal 13, dan pasal 20 pada PBI No. 10/15/PBI/2008 ATMR terdiri dari: a. ATMR untuk Risiko Kredit; b. ATMR untuk Risiko Operasional; c. ATMR untuk Risiko Pasar. Setiap Bank wajib memperhitungkan ATMR untuk risiko kredit dan ATMR untuk risiko Operasional. ATMR untuk Risiko Pasar hanya wajib diperhitungkan oleh bank yang memenuhi kriteria tertentu sebagaimana diatur pada pasal 25 PBI No. 10/15/PBI/2008. Sehubungan dengan Bank Umum Syariah (BUS) yang tidak mengikuti perhitungan KPMM sebagaimana ketentuan Bank Umum Konvensional maka data CAR untuk BUS disajikan secara terpisah pada tabel Kinerja BUS. Rasio KAP = APYD / Total Aktiva Produktif (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) Rasio ROA = Laba Sebelum Pajak disetahunkan / Rata-rata total aset (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004) Rasio BOPO = Total beban operasional / Total pendapatan operasional Rasio dihitung per posisi (tidak disetahunkan) (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) Rasio Aktiva -Pasiva = Aktiva Likuid < 1 bulan / Pasiva Likuid < 1 bulan Aktiva Likuid < 1 bulan, terdiri dari: 1. Kas 2.Giro BI

b, Article 13 and Article 20 of Regulation No. 10/15/PBI/2008

RWA 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 weighted assets for operational risk. RWA for market risk shall be calculated only by banks that meet certain criteria as stipulated in Article 25 Regulation No. 10/15/PBI/2008. In that regarding to Sharia Commercial Banks (BUS) that do not follow the calculation of CAR as the Conventional Commercial Bank, the performance of BUS presented separately on Performance tables BUS. Earning assets Quality Ratio = Classified Earning Assets / Total Earning Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Return on Assets Ratio = Annual Profit before taxes / Average Assets (pursuant to Circular Letter No. 6/23/ DPNP dated May 31, 2004) Operations Expenses / Operations Income = Operations expenses / Operations Income for the same period. (pursuant to Circular Letter No. 6/23/DPNP dated May 31, 2004) Liquid Asset to liquid Liabilities Ratio = Liquid Asset < 1 month / Liquid Liabilities < 1 month Liquid Asset < 1 month, consist of:

xiv


AFTAR DAFTAR RASIO


3.SBI 4.Antar Bank Aktiva (giro, deposit on call, call money) Pasiva Likuid < 1 bulan, terdiri dari: 1. Giro 2. Tabungan 3. Deposito 4. Kewajiban segera 5. Kewajiban pada bank lain (giro, deposit on call, call money) (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004) Rasio LDR = Kredit / Dana Pihak Ketiga Kredit merupakan total kredit yang diberikan kepada pihak ketiga (tidak termasuk antar Bank) Dana Pihak Ketiga mancakup giro, tabungan, dan deposito (tidak termasuk antar Bank) (sesuai SE No.6/23/DPNP anggal 31 Mei 2004) = Total Kredit / (Penghimpunan Dana + Modal Inti) Total Kredit, merupakan kredit yang diberikan kepada masyarakat dan bank lain Penghimpunan Dana, terdiri dari : 1. Simpanan pihak ketiga 2. Bank Indonesia 3. ABP lebih dari 3 bulan 4. Pinjaman yang diterima lainnya lebih dari 3bulan 5. Modal Pinjaman (sesuai SK Dir No.30/12/KEP/DIR tanggal 30 April 1997 - untuk BPR) Rasio NPL = (Kredit dalam kualitas Kurang lancar, Diragukan dan Macet) / Total Kredit Rasio NIM = Pendapatan Bunga Bersih / Rata-Rata LDR

1. Cash 2. Demand deposit on BI 3. Certificate 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 to Deposit Ratio = Credit / Third Party Funds Credit is total credit to third party (not including third party bank) Third Party Funds consist of Demand deposit, savings deposit and time deposits (not including interbank) (pursuant to Circular Letter No. 6/23/DPNP dated May 31, 2004) Loan = Total Credit / (Collection of fund + tier one capital) Total Credit is total credit to third 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 Letter No. 30/12/KEP/DIR dated April 30,1997 - on BPR) Non-Performing Loan Ratio = Credits that are sub-standard, doubtful and loss) / Total Credits


xv

Aktiva Produktif Pendapatan Bunga Bersih = Pendapatan Bunga Beban Bunga perhitungan pendapatan bunga bersih disetahunkan. (sesuai SE No.6/23/DPNP tanggal 31 Mei 2004)

Net Interest Margin Ratio = Net Interest Income / Average Earning assets Net Interest Income = Interest Income Interest charges Annual net interest income is used for the calculation of NIM (pursuant to Circular Letter No.6/23/DPNP dated May 31, 2004)

Rasio NOM = (PO - DBH) - BO/Rata-rata AP (sesuai SE No.9/24/DPbS tanggal 30 Oktober 2007)

Net Operating Margin (NOM) = (operating income - DBH) - operational expenses/Average Earning Assets (pursuant to cirtular lettet No.9/24/DPbS dated October 30, 2007)

xvi


AFTAR DAFTAR TABEL LIST OF TABLESJudul TopicDATA 1. Kegiatan Usaha Perbankan Bank Industries Operation DATA BANK UMUM 2. 3. 4. 5. 6. 7. COMMERCIAL BANK DATA Kegiatan Usaha Bank Umum Commercial Banks Operation Laporan Laba/Rugi Bank Umum Commercial Banks Income Statement Rekening Administratif Bank Umum Commercial Banks Off Balance-Sheet Kinerja Bank Umum Commercial Banks Performance Jumlah Bank Umum Berdasarkan Tingkat Rasio Commercial Bank Based on Ratios Aset Bank Umum Commercial Banks Assets a. Perkembangan Aset Bank Umum Commercial Banks Asset Growth b. Jumlah Bank Umum Berdasarkan Total Aset Commercial Banks Based on Assets c. Peringkat Bank Umum Berdasarkan Total Aset Commercial Banks Rating Based on Total Assets 8. 9. Aktiva Produktif Bank Umum Commercial Banks Earning Assets Non Performing Loan (NPL) Bank Umum Commercial Banks Non Performing Loan a. Pengelompokan Bank Berdasarkan Rasio NPL Group of Banks Based on NPL Ratio b. NPL Berdasarkan Sektor Ekonomi NPL Based on Economic Sector c. NPL Berdasarkan Jenis Penggunaan NPL Based on type of use d. NPL Berdasarkan Lokasi Bank Penyalur NPL Based on Location of Bank 1.58 61 1.50 s.d 1.57 53 1.42 s.d 1.49 45 1.41 44 1.34 s.d 1.40 37 1.33 36 1.32 35 1.31 34 1.31 s.d 1.33 1.30 33 1.22 s.d 1.29 25 1.15 s.d 1.21 18 1.8 s.d 1.14 11 1.1 s.d 1.7 4 1 2

No.

No. Tabel Tables

Halaman Pages


xvii

AFTAR DAFTAR TABEL / LIST OF TABLES

No.

Judul Topice. NPL Kredit yang penarikannya menggunakan kartu Non performing loan withdrawn by credit card f. NPL UMKM Non Performing loan of SMEs credit g. NPL Penerusan Kredit (off-balance sheet) NPL channelling credit (off-balance sheet)

No. Tabel Tables1.59 1.60 s.d 1.63 1.64

Halaman Pages62 63 67

10. Dana Pihak Ketiga (DPK) Bank Umum Commercial Banks Third Party Funds a. Komposisi DPK Composition of Third Party Funds b. Peringkat Bank Berdasarkan DPK Bank Rating Based on Third Party Funds c. DPK Berdasarkan Lokasi Penghimpunan Third Party Funds Based on Location of Deposit 11. Suku Bunga Rata-rata Dana Pihak Ketiga (DPK) Average of interest rate of Third party fund 12. Peringkat Bank Berdasarkan Kredit Rating of Bank Based on Credits 13. Suku Bunga Rata-rata Kredit Average of Crerdit Interest Rates 14. Perkembangan Jumlah Bank dan Kantor Bank Growth of total banks and bank offices a. Perkembangan Jumlah Bank dan Kantor Bank Umum Growth of Total Banks and Commercial Bank Offices b. Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah Growth of Total Branch offices Based on Region DATA BANK SYARIAH SHARIA BANK DATA 15. Kegiatan Usaha Bank Umum Syariah Sharia Commercial Bank Operation 16. Perkembangan Aset Perbankan Syariah Growth of Sharia Bank Assets 17. Aktiva Produktif Perbankan Syariah Earning Assets of Sharia Banks 2.5 96 2.4 95 2.1 s.d 2.3 92 1.86 89 1.85 88 1.83 s.d 1.84 86 1.82 85 1.75 s.d 1.81 78 1.73 s.d 1.74 76 1.72 75 1.65 s.d 1.71 68

xviii


No.

Judul Topic

No. Tabel Tables2.6 2.7

Halaman Pages97 98

18. Komposisi DPK Perbankan Syariah Composition of Third Party Funds of Syariah Banks 19. Tingkat Bagi Hasil Rata-rata DPK Bank Syariah Average of Profit Sharing Rates of Third Party Fund of Sharia Banks 20. TIngkat Margin Rata-rata Pembiayaan Average of Margin Rates of Financing 21. BPR Syariah Syariah Rural Bank 22. Jaringan Kantor Perbankan Syariah Sharia Bank Office Network 23. Kinerja Bank Umum Syariah Islamic Commercial Bank Performance 24. Bank Umum Syariah Berdasarkan Tingkat Rasio Sharia Commercial Based on Ratios DATA BANK PERKREDITAN RAKYAT RURAL BANK DATA 25. Kegiatan Usaha Bank Perkreditan Rakyat Rural Bank Operations 26. Kinerja Bank Perkreditan Rakyat Rural Bank Performance 27. Perkembangan Aset BPR Growth of Assets based Rural Bank Data 28. Non Performing Loan Bank Perkreditan Rakyat Non Performing Loan of Rural Bank 29. Dana Pihak Ketiga Third Party Funds of Rural Bank a. Komposisi DPK Bank Perkreditan Rakyat Composition of Third Party Funds of Rural Bank b. Komposisi DPK Berdasarkan Lokasi Composition of Third Party Funds Based on Location c. DPK BPR Berdasarkan Lokasi Penghimpun Third Party Funds of Rural Banks Based on Location

2.8 s.d 2.9 2.10 s.d 2.11 2.12 2.13 2.14

99 101 103 104 105

3.1 3.2 3.3 s.d 3.4 3.5 s.d 3.6

108 109 110 112

3.7 3.8 3.9

114 115 116


xix

No.

Judul Topic

No. Tabel Tables3.10 3.11

Halaman Pages117 118

30. Suku Bunga Rata-rata DPK BPR Average of Third Party Interest Rates of Rural Banks 31. Suku Bunga Rata-rata Kredit BPR Average of Credit Interest Rates of Rural Banks 32. Perkembangan Jumlah Bank dan Kantor Bank Growth of Total Rural Banks and Bank Offices a. Perkembangan Jumlah BPR Growth of Total Rural Bank b. Perkembangan Jumlah BPR Berdasarkan Lokasi Growth of Total Rural Bank Offices Based on Region DATA PERKREDITAN CREDIT DATA 33. Kredit Bank Umum Berdasarkan Sektor Ekonomi Commercial Bank Credit Based on Economic Sector 34. Kredit Bank Umum Berdasarkan Jenis Penggunaan Commercial Bank Credit Based on Type of Use 35. Kredit Bank Umum Berdasarkan Lokasi Bank Penyaluran Commercial Bank Credit Based on Location of Bank 36. Kredit Bank Umum Berdasarkan Hubungan dengan Bank Credit of Commercial Banks Based on Bank Relationship 37. Kredit yang Penarikannya Menggunakan Kartu Credit Withdrawn by Credit Card 38. Penerusan Kredit Bank Umum Commercial Bank Channelling Credit 39. Kredit Berdasarkan Nilai Credit Based on Value 40. Pembiayaan Perbankan Syariah Detailed financing of sharia banks 41. Kredit Bank Perkreditan Rakyat Rural Bank Credit 42. Kredit UMKM Micro, Small, and Medium Enterprises Credit

3.12 3.13 s.d 3.14

120 121

4.1 s.d 4.8 4.9 s.d 4.16 4.17 4.18 4.19 4.20 s.d 4.21 4.22 4.23 s.d 4.25 4.26 s.d 4.28 4.29 s.d 4.33

124 132 140 141 142 143 145 146 149 153

xx


Halaman ini sengaja dikosongkan


xxi

DATA

Statistik Perbankan Indonesia - Vol. 9, No. 9, Agustus 2011

Indonesian Banking Statistics - Vol. 9, No. 9, August 2011

Tabel 1 Kegiatan Usaha Perbankan (Bank Industries Operation)Miliar Rp (Billion Rp) 2009 IndikatorPenyaluran Dana Bank Umum Bank Perkreditan SBI dan SBIS 1

2010 Sep Okt Nov Des Jan Feb Mar

2011 Indicator Apr Mei Juni Jul AgsDistribution of Funds Commercial Banks Rural Banks SBI dan SBIS 1 Source of Funds Commercial Banks Rural Banks Total Assets Commercial Banks Rural Banks Total Banks Commercial Banks Rural Banks Total Bank Offices Commercial Banks Rural Banks

2005 2006 2007 2008 2009 Ags1.140.278 1.380.373 2.015.221 2.015.221 18.096 21.904 26.549 31.313 54.256 179.045 166.518 166.518

2.282.179 2.459.283 2.507.923 2.567.464 2.621.601 2.765.912 2.740.550 2.756.059 2.834.568 2.834.915 2.897.056 2.967.734 2.995.969 3.010.045 36.076 39.950 41.050 42.072 42.818 43.877 44.358 44.822 45.683 46.059 46.956 47.533 48.328 48.825 212.116 208.727 176.265 147.313 142.583 139.316 143.518 121.302 139.756 133.574 111.449 115.315 114.578 107.359

Sumber Dana 1.283.480 1.468.369 1.990.345 1.990.345 Bank Umum 15.453 18.733 22.629 26.345 Bank Perkreditan Rakyat Jumlah Aset 1.469.827 1.693.850 1.986.501 2.310.557 Bank Umum 20.393 23.045 27.741 32.533 Bank Perkreditan Rakyat Jumlah Bank Bank Umum Bank Perkreditan Jumlah Kantor Bank Umum Bank Perkreditan

2.180.934 2.293.540 2.346.182 2.374.744 2.425.678 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 30.367 33.727 34.676 35.439 36.038 37.034 37.528 37.968 38.746 39.179 39.916 40.334 41.002 41.377

2.534.106 2.700.183 2.758.066 2.796.418 2.856.274 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 37.554 41.714 42.832 44.165 44.726 45.742 46.291 46.819 47.627 48.001 48.940 49.580 50.476 51.016

131 2.009

130 1.880

130 1.817

124 1.772

121 1.733

122 1.717

122 1.715

122 1.707

122 1.706

122 1.706

121 1.700

121 1.671

121 1.679

121 1.680

121 1.680

121 1.682

1202) 1.682

120 1.681

8.236 3.110

9.110 3.173

9.680 3.250

10.868 3.367

12.837 3.644

13.318 3.857

13.379 3.816

13.456 3.833

13.633 3.880

13.837 3.910

13.970 3.922

13.993 3.928

14.069 3.970

14.140 3.996

14.259 4.021

14.321 4.043Note :1)

14.347 4.074

14.394 4.102

Ket : 1)Sertifikat Bank Indonesia Syariah2)

Bank Indonesia Certificates on Sharia Principles (SBIS)2)

Pencabutan izin usaha atas permintaan pemilik atau pemegang saham PT. Bank Barclays Indonesia

Self liquidation of PT. Bank Barclays Indonesia

2

DATA BANK UMUM



Tabel 1.1 Kegiatan Usaha Bank Umum (Commercial Banks Operation)Miliar Rp (Billion Rp) 2009 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjamanKet:1)

2010 Sep Okt Nov Des Jan Feb Mar1.814.846 1.530.507 284.339 216.019 34.587 87.130 27.253 67.049 596.704 194.431 139.756 201.847 60.669 146.910 12.874 47.216 2.351.357 1.988.765 377.265 944.962 666.538 362.592 163.527 142.872 56.193 6.161 150.606 21.109 29.543 19.572 9.971 14.415 3.784 109.339 28.283 18.319 135.138 72.470 3.036

2011 Indicator Apr Mei Jun Jul Ags

2005 2006 2007 2008 2009 Ags695.648 565.846 129.802 159.120 11.139 90.425 17.792 39.764 209.578 102.266 54.256 39.743 13.312 44.224 6.122 25.586

792.297 1.002.012 1.307.688 1.437.930 1.640.430 1.659.145 1.675.633 1.706.403 1.765.845 1.746.005 1.773.889 638.500 791.605 1.054.289 1.228.656 1.403.466 1.419.454 1.430.904 1.446.675 1.492.407 1.469.235 1.497.508 153.798 210.407 253.399 209.273 236.964 239.690 244.729 259.728 273.438 276.770 276.381 156.906 139.777 213.779 261.474 265.798 256.231 244.701 231.776 228.549 222.066 227.863 49.309 48.070 43.375 39.910 41.764 37.063 40.492 68.086 9.051 11.562 40.318 96.943 94.116 91.982 95.961 83.314 58.717 81.435 110.883 128.711 114.633 106.076 24.387 30.573 29.953 28.509 27.036 25.557 25.095 20.746 20.086 12.435 20.436 63.392 62.956 65.298 66.414 65.633 67.465 66.315 61.758 44.455 57.064 71.589 343.455 418.269 322.333 397.897 373.982 409.141 466.391 479.416 581.901 585.192 558.183 99.224 100.705 100.995 158.453 164.833 171.786 179.444 125.791 167.566 83.927 101.364 179.045 203.863 166.518 212.116 208.727 176.265 147.313 142.583 139.316 143.518 121.302 54.258 111.322 192.473 149.536 195.431 223.912 207.356 60.758 21.216 35.727 49.799 11.773 20.848 25.609 28.845 82.321 45.976 50.082 23.659 17.403 11.114 22.090 55.988 108.007 113.851 134.960 127.029 131.131 128.784 148.246 133.454 131.898 138.250 5.924 25.803 5.620 28.835 6.626 50.944 10.010 39.908 10.871 41.173 11.102 41.174 11.315 40.640 11.281 44.479 12.356 43.807 12.617 42.772 12.778 45.095

1.843.538 1.889.465 1.552.656 1.590.748 290.881 298.716 203.894 193.662 34.406 38.170 77.399 67.730 26.837 27.291 65.252 60.470 579.643 598.555 200.606 203.034 133.574 111.449 179.278 211.982 66.185 72.090 145.121 151.697 12.242 50.477 12.417 51.260

Distribution of Funds 1.950.727 1.973.599 2.031.614 a. Credit 1) Rupiah 1.640.039 1.664.262 1.704.910 Foreign Exchange 310.688 309.337 326.703 188.332 176.950 178.022 b. Inter-Bank Demand Deposit 34.072 34.248 32.581 Call Money 63.819 55.179 57.089 Times Deposits 28.144 23.655 23.727 Others 62.296 63.869 64.624 616.691 637.263 585.929 c. Placements at BI Demand Deposit 218.773 220.580 227.911 Bank Indonesia Certificates (SBI) 115.315 114.578 107.359 Call Money 201.037 218.787 172.213 Others 81.567 83.317 78.445 144.547 138.254 139.296 d. Securities (not including recapitalization bonds) 12.598 12.991 14.542 e. Equity Participation 54.838 56.870 60.643 f. Other Claims Source of Funds 2.438.011 2.464.083 2.459.898 a. Third Party Funds - Rupiah 2.092.979 2.109.470 2.113.250 Demand Deposits 425.466 411.578 378.855 Times Deposits 970.623 992.082 1.005.374 Savings Deposits 696.890 705.811 729.020 - Foreign Exchange 345.032 354.613 346.648 Demand Deposits 151.530 155.700 145.349 Times Deposits 136.713 141.241 144.633 Savings Deposits 56.789 57.672 56.666 5.619 5.919 5.877 b. Liabilities owed to BI c. Inter-Bank 161.853 164.590 176.443 25.170 23.753 21.495 d. Securities 32.500 28.504 36.955 e. Loans received - Rupiah 20.603 21.898 24.375 - Foreign Exchange 11.897 6.606 12.580 f. Other Liabilities 23.717 17.055 21.549 4.070 3.987 3.973 g. Guarantee Deposits 109.723 33.987 37.096 110.041 73.946 4.186 108.919 34.051 42.397 109.563 74.303 4.231 109.273 34.094 48.240 109.353 74.140 Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 4.095 f. Loan CapitalNote: 1) see explanation page iii

1.127.937 1.287.102 1.510.834 1.753.292 1.973.042 2.092.779 2.144.064 2.173.884 2.212.215 2.338.824 2.302.056 2.287.844 930.160 1.093.445 1.284.797 1.460.443 1.656.625 1.749.539 1.794.305 1.828.594 1.867.085 1.990.518 1.963.921 1.933.691 193.854 249.564 309.335 307.743 332.729 347.920 352.122 352.891 366.443 383.808 382.659 367.528 455.038 510.008 540.982 675.983 758.280 820.089 841.815 869.703 880.661 928.089 918.986 908.254 281.268 333.873 434.480 476.717 565.616 581.529 600.368 606.001 619.981 678.621 662.277 657.909 197.777 193.657 226.037 292.849 316.417 343.240 349.759 345.290 345.129 348.306 338.135 354.153 87.558 88.447 96.216 122.257 133.159 148.448 152.108 144.884 145.493 152.047 147.947 162.245 109.995 105.155 125.726 148.722 143.429 143.087 144.429 146.679 145.345 141.723 136.619 136.603 51.706 53.223 53.727 54.291 54.536 53.569 55.305 39.829 224 55 4.095 21.870 6.642 6.336 6.140 6.222 6.107 6.156 6.286 8.028 11.874 10.807 9.105 11.272 99.417 119.454 137.790 158.648 134.543 138.110 135.790 133.629 147.221 152.746 148.158 149.203 14.469 14.227 14.170 15.622 17.158 19.597 21.160 14.918 13.411 14.942 17.333 14.301 24.226 28.668 29.966 25.694 29.323 30.048 27.261 21.553 11.406 12.883 14.319 12.949 16.908 14.529 16.700 16.835 18.304 18.259 18.226 13.131 8.508 7.023 8.023 8.395 7.317 14.139 13.266 8.859 11.019 11.789 9.035 8.422 2.898 5.860 6.296 4.554 13.380 13.068 12.929 14.205 14.646 16.905 20.407 22.874 16.192 19.913 24.893 34.663 3.935 4.029 4.026 4.500 4.757 4.204 3.759 5.977 3.242 3.267 4.691 5.220 69.548 10.649 24.897 -18.478 37.082 14.464 73.046 13.997 28.334 -6.880 42.248 14.946 78.928 18.696 35.015 1.736 45.413 14.863 86.283 21.765 30.606 35.346 37.815 1.047 96.301 24.054 45.215 52.805 40.958 1.454 102.229 27.747 38.949 77.056 45.377 1.778 102.759 27.780 43.363 76.375 46.262 4.781 103.173 27.768 49.057 76.591 46.541 2.528 103.311 27.804 53.986 76.318 48.140 4.592 105.516 27.846 57.309 75.032 59.744 2.955 105.849 27.822 5.658 137.035 59.113 3.440 106.577 27.809 11.037 136.942 71.842 4.677

2.340.213 2.397.179 1.989.797 2.049.308 373.486 406.427 939.649 958.009 676.662 684.873 350.415 347.870 154.797 154.803 137.787 137.184 57.831 55.884 6.129 8.090 146.443 148.777 21.021 21.905 29.539 30.073 18.851 19.037 10.688 11.035 15.797 15.749 4.063 3.987 109.649 28.917 23.944 129.091 73.030 2.799 109.825 30.658 29.544 120.550 72.832 2.510

Lihat Penjelasan hal iii

4



Tabel 1.2 Kegiatan Usaha Bank Persero (State Owned Banks Operation)Miliar Rp (Billion Rp) 2010 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan

2011 Indicator Nov621.691 551.699 69.992 75.104 18.413 27.413 5.239 24.038 116.413 58.489 19.438 38.136 350 41.025 2.237 15.682 798.125 694.023 111.417 302.607 280.000 104.102 37.697 54.425 11.980 4.288 36.597 5.774 15.715 8.110 7.605 6.387 2.145 28.804 13.567 20.919 24.463 16.787 78

2005 2006 2007 2008

2009 Ags Sep605.795 541.793 64.003 85.956 28.158 33.060 6.659 18.080 86.385 35.967 24.242 22.412 3.765 37.211 2.144 13.775 774.385 664.544 106.581 286.127 271.835 109.841 45.113 52.939 11.789 4.295 32.496 5.809 18.869 5.969 12.900 6.072 1.814 28.802 13.567 16.200 24.493 15.430 2.400

Okt610.383 544.571 65.812 78.458 21.688 30.500 5.156 21.115 112.074 36.291 22.122 47.913 5.748 36.520 2.173 12.937 782.626 678.068 108.557 297.021 272.490 104.558 38.607 54.170 11.780 4.211 32.893 5.801 20.144 8.119 12.025 6.096 1.882 28.803 13.567 18.692 24.452 15.409 61

Des642.718 569.041 73.677 72.226 24.343 21.742 5.812 20.329 202.565 60.036 31.371 68.924 42.234 43.648 2.261 13.820 898.405 793.338 152.770 328.677 311.891 105.067 41.763 51.429 11.876 4.222 32.571 5.813 18.096 8.274 9.822 6.873 2.341 30.077 13.567 22.766 24.050 25.375 61

Jan629.622 554.291 75.331 70.184 17.868 23.996 5.771 22.550 183.817 65.444 36.670 74.557 7.146 39.457 2.309 12.914 847.453 750.124 131.287 317.391 301.446 97.330 39.103 46.435 11.791 4.290 36.364 5.808 18.855 8.269 10.586 8.166 2.061 30.077 13.567 2.203 50.576 24.204 61

Feb637.831 562.850 74.982 71.088 19.212 27.054 5.962 18.861 154.179 66.357 23.531 60.252 4.039 42.329 2.274 15.402 819.032 717.301 108.525 312.719 296.057 101.731 46.561 43.135 12.036 4.263 35.689 5.770 15.868 8.226 7.642 9.235 1.899 31.265 13.567 5.080 50.567 34.524 87

Mar656.897 579.990 76.907 67.775 16.906 24.755 5.533 20.581 169.473 66.655 31.088 59.482 12.248 46.954 2.277 15.797 845.763 738.868 116.001 325.054 297.814 106.895 48.091 46.391 12.414 4.269 37.840 5.751 17.549 8.776 8.773 6.383 1.883 31.293 13.549 8.185 53.291 34.916 63

Apr665.361 586.286 79.075 60.923 15.307 19.722 5.819 20.074 159.943 70.059 32.972 53.889 3.022 44.548 2.353 15.339 833.443 732.508 114.651 319.730 298.128 100.935 42.618 46.007 12.310 4.228 34.360 5.732 17.515 8.005 9.509 6.932 1.899 31.293 13.606 10.791 49.218 35.016 213

Mei681.752 598.490 83.262 55.759 19.718 14.268 5.527 16.245 164.282 68.750 26.449 64.636 4.448 49.944 2.457 15.819 847.258 742.921 117.332 321.500 304.089 104.337 46.577 45.788 11.972 4.261 39.919 5.513 18.008 8.148 9.860 7.255 1.743 31.293 14.436 12.853 44.893 34.884 63

Jun710.769 625.300 85.469 52.246 17.656 11.199 4.552 18.839 166.425 75.316 25.149 57.749 8.210 48.614 2.446 17.904 869.061 768.765 130.138 325.208 313.420 100.296 42.047 45.510 12.739 4.253 41.092 6.804 19.769 9.053 10.716 14.717 1.763 31.293 15.520 16.619 40.210 34.575 63

Jul717.161 636.414 80.748 47.741 16.218 9.769 4.099 17.655 166.795 76.060 23.591 59.879 7.265 50.449 2.482 18.926 876.413 773.058 135.285 323.679 314.094 103.355 44.791 45.923 12.641 4.308 44.459 6.066 13.980 8.542 5.438 8.754 1.810 31.293 15.520 18.291 40.265 34.867 63

Ags733.460 645.197 88.263 44.854 13.552 11.341 3.439 16.522 147.995 76.385 19.905 49.405 2.299 46.737 Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) 3.848 e. Equity Participation f. Other Claims 22.138 Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits

256.413 204.534 51.879 44.496 2.298 28.756 3.773 9.668 72.469 41.850 10.121 14.911 5.587 10.920 3.327 13.512 431.397 373.204 70.509 166.542 136.153 58.192 23.813 34.177 203 7.673 33.734 8.559 9.021 6.666 2.354 4.993 1.747

287.910 231.582 56.328 47.679 2.706 29.772 3.994 11.207 101.745 52.290 29.736 9.649 10.070 11.093 2.872 10.331 480.394 426.160 88.947 176.718 160.496 54.234 23.377 30.818 38 6.493 33.422 9.379 6.750 4.482 2.268 5.366 1.645 27.751 8.097 9.644 -12.107 13.145 13.844

356.151 282.055 74.095 41.287 3.515 15.574 3.187 19.010 151.828 78.113 46.200 20.758 6.756 29.617 1.922 10.372 571.008 509.552 121.749 179.313 208.490 61.456 24.865 36.559 33 5.881 41.998 9.259 6.714 4.118 2.595 7.578 2.391 28.572 10.837 13.332 -10.772 15.864 13.908

470.665 396.024 74.641 62.023 12.447 26.395 3.728 19.453 114.991 33.759 36.763 34.014 10.455 28.742 1.842 14.258 669.827 588.704 123.438 235.219 230.047 81.123 28.329 45.395 7.399 5.446 52.023 5.631 3.880 3.618 262 7.174 2.838 29.965 12.363 13.159 7.508 11.961 0

544.870 486.859 58.011 99.401 35.572 39.551 4.228 20.050 135.860 39.818 42.320 43.835 9.887 35.425 2.000 13.796 783.384 680.371 136.512 274.965 268.894 103.013 36.090 57.236 9.687 4.409 45.539 5.043 15.886 8.629 7.257 7.324 3.401 28.179 12.402 18.050 14.300 15.398 0

601.865 537.838 64.027 89.634 27.571 38.902 3.199 19.962 79.178 36.118 36.684 6.375 0 34.233 2.126 13.644 760.114 652.348 111.199 277.120 264.029 107.766 44.009 52.796 10.960 4.262 37.378 5.836 14.542 8.353 6.190 5.730 1.794 28.802 13.567 14.563 24.499 15.110 50

871.186 770.980 121.017 321.405 328.558 100.206 41.566 46.370 12.270 4.223 44.495 6.082 19.739 8.503 11.236 12.343 1.797 31.293 15.520 20.806 40.265 34.785

Beberapa Komponen Modal a. Modal Disetor 27.439 b. Cadangan 5.933 c. L/R tahun berjalan 9.185 d. L/R tahun lalu -13.528 e. Perkiraan tambahan modal 9.815 disetor f. Modal pinjaman 13.844Ket:1)

Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 63 f. Loan CapitalNote:1)


see explanation page iii

5



Tabel 1.3 Kegiatan Usaha BUSN Devisa (Foreign Exchange Commercial Banks Operation)Miliar Rp (Billion Rp) 2010 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjamanKet:1)

2011 Indicator Nov686.115 605.189 80.926 71.841 14.130 39.136 5.903 12.673 221.276 66.393 68.687 72.705 13.492 82.504 8.904 15.777 936.578 798.543 140.954 378.964 278.625 138.035 58.822 57.303 21.910 1.890 47.176 5.346 8.234 6.980 1.254 5.025 1.136 39.732 7.170 19.649 31.200 30.189 2.049

2005 2006 2007 2008 2009 Ags277.591 248.996 28.594 48.464 4.965 27.163 4.455 11.882 75.913 43.510 15.898 14.788 1.716 23.809 2.616 6.427 462.747 397.939 58.170 217.098 122.671 64.808 32.992 31.794 21 3.739 31.276 2.721 1.419 876 544 5.499 558 22.490 2.462 9.294 -9.096 27.146 155 315.256 276.768 38.488 45.908 3.514 23.795 3.887 14.712 133.141 49.313 79.344 4.484 29.702 2.979 8.620 525.177 455.098 68.884 244.890 141.324 70.079 35.216 34.845 17 4.151 40.308 2.537 5.168 1.576 3.592 6.268 749 24.524 3.332 9.822 -925 28.197 229 407.742 351.351 56.390 37.716 3.191 16.692 2.783 15.050 146.616 54.966 83.476 8.148 26 55.471 3.613 10.892 606.932 528.154 91.502 252.222 184.429 78.778 36.676 42.082 21 3.109 49.041 4.768 6.455 2.754 3.701 6.338 886 25.523 4.646 11.735 4.468 28.848 150 524.295 452.613 71.682 57.016 21.825 16.350 5.355 13.486 116.730 32.354 73.834 6.909 3.633 59.650 4.681 17.401 701.710 597.459 89.607 309.732 198.120 104.251 47.875 51.326 5.051 3.910 48.388 5.383 7.683 3.391 4.292 9.834 794 27.969 5.186 4.809 14.948 26.893 0 555.617 492.045 63.573 58.649 23.580 17.242 4.842 12.986 173.090 42.473 118.589 6.583 5.444 69.002 7.888 14.500 781.072 668.798 104.102 326.063 238.632 112.274 49.827 46.729 15.718 2.780 37.640 6.415 3.980 2.815 1.165 7.190 1.022 36.846 6.047 14.205 21.284 25.660 224 653.864 579.786 74.078 84.371 15.036 48.279 6.894 14.162 173.948 40.931 107.177 22.791 3.050 67.831 8.605 14.713 869.372 733.144 122.729 350.676 259.739 136.228 57.355 57.774 21.099 2.326 47.655 3.944 7.965 6.838 1.128 4.682 983 39.695 7.168 14.043 31.303 29.287 0

Sep660.785 586.477 74.308 80.509 12.396 46.163 7.119 14.831 192.113 43.515 96.202 43.990 8.406 68.355 8.816 14.553 891.685 753.243 122.629 361.224 269.390 138.442 59.043 57.664 21.734 2.013 46.894 3.913 8.090 6.851 1.239 4.586 1.011 39.696 7.168 15.948 31.286 29.674 -

Okt668.876 592.544 76.332 78.128 15.388 42.543 6.437 13.760 213.406 42.889 79.965 81.074 9.478 68.730 9.002 14.985 911.890 773.066 129.036 370.702 273.328 138.825 58.976 58.055 21.794 1.903 44.052 3.864 8.087 6.846 1.241 4.301 1.023 39.696 7.077 17.706 31.376 29.893 50

Des718.639 630.777 87.863 67.057 11.341 36.125 4.662 14.929 248.452 69.835 63.955 89.300 25.363 68.885 9.930 16.700 975.308 835.532 133.895 407.603 294.034 139.777 61.322 56.435 22.020 1.860 53.688 5.538 9.360 8.164 1.197 4.223 1.147 40.155 7.170 20.559 31.038 32.225 50

Jan708.824 621.422 87.402 66.025 11.325 36.327 3.958 14.415 263.960 70.334 65.321 106.142 22.164 69.192 10.143 16.852 977.628 842.300 139.214 409.237 293.848 135.328 58.069 55.796 21.463 1.831 50.047 7.491 9.369 8.166 1.203 6.128 1.032 40.264 7.170 2.058 51.924 32.993 734

Feb728.002 637.778 90.224 65.861 12.311 32.615 5.384 15.552 254.173 74.654 62.684 91.740 25.094 73.337 10.339 16.521

Mar741.401 648.321 93.080 60.455 10.469 29.944 5.041 15.002 261.414 84.431 69.585 80.488 26.910 79.216 10.429 16.935

Apr756.128 660.297 95.831 59.298 10.820 28.572 4.120 15.786 259.044 87.024 61.498 71.491 39.031 79.876 9.723 18.465

Mei774.377 677.944 96.432 52.560 10.066 24.213 3.095 15.187 262.477 87.824 50.863 80.950 42.840 78.051 9.794 18.559

Jun798.019 695.965 102.055 52.180 10.062 23.396 3.388 15.335 262.185 92.270 53.444 73.683 42.788 75.735 9.986 18.421

Jul804.203 702.339 101.864 50.966 10.855 22.514 2.126 15.472 282.879 93.035 54.436 90.371 45.037 69.828 10.343 19.792

Ags830.444 723.762 106.681 52.170 10.780 22.175 2.205 17.009 267.989 98.291 53.123 72.117 44.458 69.873 10.518 19.863 Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) e. Equity Participation f. Other Claims Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital f. Loan CapitalNote: 1) see explanation page iii

977.251 1.001.422 833.695 852.469 135.672 135.906 401.156 412.373 296.867 304.191 143.556 148.953 62.858 65.141 57.906 60.367 22.791 23.445 1.948 1.792 53.980 50.995 7.490 7.479 9.555 9.572 8.161 8.374 1.393 1.198 8.654 5.565 981 984 40.526 7.170 3.350 52.096 35.401 41.558 7.200 5.589 50.427 34.947 -

1.004.067 1.021.827 1.031.629 1.052.110 1.066.147 860.052 882.295 890.992 906.919 925.005 134.490 149.603 149.675 143.782 144.942 412.962 418.794 425.822 444.188 454.530 312.600 313.897 315.495 318.948 325.533 144.016 139.532 140.637 145.192 141.142 61.137 58.958 59.014 61.181 56.836 57.789 56.396 57.893 59.375 60.828 25.090 24.178 23.730 24.636 23.478 1.772 3.687 1.226 1.205 1.193 53.648 48.388 56.513 55.676 60.626 7.503 8.092 9.292 7.313 5.018 9.615 9.680 10.076 11.873 14.544 8.436 8.505 8.895 10.705 13.200 1.179 1.175 1.180 1.168 1.344 6.277 6.242 6.602 5.592 5.967 1.283 1.411 1.453 1.371 1.379 41.560 7.207 7.394 50.302 35.284 41.626 7.292 9.838 49.860 35.236 42.099 9.130 12.316 44.135 36.616 42.140 9.139 14.804 44.073 36.636 25 42.140 9.139 16.761 44.043 36.597 25


6



Tabel 1.4 Kegiatan Usaha BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Operation)Miliar Rp (Billion Rp) 2010 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjamanKet: 1) Lihat Penjelasan hal iii

2011 Indicator Nov47.313 47.313 2.680 139 1.200 249 1.092 14.839 4.513 3.708 5.182 1.437 5.042 0 371 56.375 56.375 2.272 48.373 5.729 4 2.395 2.334 289 289 156 9 6.793 225 529 1.582 264 328

2005 2006 2007 2008

2009 Ags Sep45.936 45.936 2.773 109 1.411 277 976 13.884 2.834 5.568 4.065 1.417 4.796 2 373 54.271 54.271 2.103 46.836 5.331 4 2.386 2.338 278 278 155 8 6.533 225 268 1.581 331 448

Okt46.318 46.318 2.335 93 924 333 985 16.062 2.951 3.863 7.594 1.655 4.195 1 373 55.742 55.742 2.153 48.125 5.464 4 2.053 2.337 277 277 155 8 6.693 225 380 1.592 258 393

Des48.757 48.757 4.266 111 2.290 369 1.497 17.105 4.935 2.982 7.536 1.652 4.768 0 376 58.950 58.950 2.745 50.026 6.178 4 2.458 3.433 306 306 203 9 6.931 225 502 1.742 1.368 281

Jan49.619 49.619 2.599 130 690 287 1.492 16.642 4.863 2.956 7.454 1.369 4.421 0 370 57.570 57.570 2.427 48.745 6.399 3 2.374 3.430 304 304 194 8 6.933 230 114 2.201 1.310 265

Feb50.450 50.450 2.604 135 665 280 1.524 16.363 4.800 3.356 6.772 1.436 3.994 0 384 57.536 57.536 2.618 48.255 6.662 3 2.318 3.430 303 303 282 8 6.983 230 241 2.189 1.318 220

Mar51.873 51.873 2.513 77 678 212 1.545 18.144 5.052 3.636 7.952 1.504 4.021 0 358 60.121 60.121 2.686 50.517 6.919 3 2.488 3.410 888 888 193 8 6.987 241 421 2.119 1.360 381

Apr53.050 53.050 2.687 88 759 280 1.560 18.008 4.995 4.166 7.495 1.352 3.351 0 339 60.857 60.857 2.691 51.193 6.973 2 2.011 3.411 884 884 184 9 6.602 244 578 2.438 1.389 208

Mei54.607 54.607 2.559 72 677 190 1.621 17.941 5.244 2.358 8.817 1.522 3.602 0 333 62.696 62.696 2.908 52.445 7.344 2 1.941 3.411 883 883 165 8 7.200 250 694 2.034 1.397 249

Jun56.380 56.380 4.138 99 1.855 384 1.800 18.757 5.263 2.672 9.340 1.483 3.539 0 331 65.393 65.393 2.864 54.767 7.762 2 2.443 3.910 885 885 212 9 7.200 252 826 2.012 1.401 673

Jul57.909 57.909 3.029 101 880 446 1.601 19.944 5.667 2.842 9.779 1.656 3.567 0 312 68.244 68.244 2.914 57.095 8.236 1 1.316 3.907 884 884 224 8 6.277 261 972 2.698 1.425 697

Ags60.615 60.615 3.676 108 1.100 710 1.758 19.588 5.734 2.995 9.762 1.098 3.512 0 348 70.184 70.184 2.867 59.171 8.146 1 2.162 3.907 908 908 261 8 6.338 261 1.103 2.701 1.412 847 Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) e. Equity Participation f. Other Claims Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital f. Loan CapitalNote: 1) see explanation page iii

16.842 16.842 1.136 266 380 49 440 4.892 1.502 2.529 842 18 902 1 104 21.970 21.970 1.798 18.052 2.120 250 309 68 68 129 24 1.984 160 279 575 -6 64

19.114 19.114 1.509 297 720 25 467 5.558 1.666 3.172 713 6 1.100 52 24.423 24.423 1.811 20.234 2.379 20 802 59 59 161 26 2.258 194 399 677 46 87

23.863 23.863 1.604 440 556 59 549 9.238 2.021 6.352 621 243 1.521 187 30.491 30.491 2.195 25.103 3.194 17 2.017 309 62 62 226 6 3.042 200 765 921 47 256

27.122 27.122 1.238 121 205 28 884 8.503 1.678 5.393 807 625 2.812 0 61 33.213 33.213 1.779 28.059 3.375 0 0 388 1.088 301 76 76 244 8 3.693 217 604 1.332 -1 459

35.700 35.700 2.399 92 1.322 128 857 10.053 2.193 6.321 975 564 4.528 0 74 43.980 43.979 2.183 37.635 4.161 0 0 0 67 2.272 1.021 128 128 311 6 4.295 254 360 1.503 89 444

44.815 44.815 2.872 111 1.571 212 979 11.700 2.761 5.348 2.815 775 4.427 3 451 52.033 52.033 2.192 44.706 5.135 28 1.726 2.338 279 279 170 8 6.014 225 301 1.653 204 867

7



Tabel 1.5 Kegiatan Usaha BPD (Regional Development Banks Operation)Miliar Rp (Billion Rp) 2010 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjamanKet: 1) Lihat Penjelasan hal iii

2011 Indicator Nov143.956 143.493 462 26.220 1.594 5.044 16.916 2.667 55.605 16.298 8.145 19.512 11.650 3.116 36 600 196.571 195.537 76.292 76.177 43.068 1.034 564 454 17 23 8.271 2.067 1.456 1.456 742 325 12.828 5.528 7.489 217 1.047 410

2005 2006 2007 2008

2009 Ags Sep139.450 139.193 257 26.711 1.277 6.433 16.409 2.593 63.032 10.159 17.104 28.869 6.900 4.023 36 508 204.169 203.001 86.880 76.003 40.119 1.168 632 523 14 23 6.970 2.067 1.431 1.431 666 286 12.769 5.532 6.426 143 1.015 205

Okt142.040 141.582 458 27.223 1.320 5.530 18.027 2.346 62.030 10.169 12.620 33.581 5.660 3.579 36 522 203.924 202.891 81.172 79.880 41.838 1.033 563 454 17 23 6.724 2.067 1.458 1.458 663 302 12.828 5.584 7.081 226 1.108 297

Des

Jan

Feb145.945 145.459 486 28.506 2.145 9.568 13.095 3.698 68.004 15.536 6.995 29.131 16.341 3.530 36 509 210.593 209.446 87.860 75.939 45.647 1.147 392 731 24 19 8.013 4.221 1.535 1.535 532 266 13.225 5.538 1.320 8.481 946 643

Mar149.427 148.860 567 28.672 1.698 7.421 16.098 3.455 72.238 18.366 7.554 31.794 14.523 3.038 36 492 216.693 215.793 89.039 81.876 44.878 900 384 494 21 17 8.791 4.220 1.533 1.533 603 252 13.550 6.011 2.142 6.160 968 402

Apr152.882 152.328 553 28.093 1.582 7.407 16.254 2.849 69.176 18.996 8.294 24.516 17.370 4.669 36 509 219.317 218.577 89.689 83.266 45.622 740 334 387 19 17 7.626 4.227 1.525 1.525 604 254 13.646 6.566 2.776 4.299 989 508

Mei156.810 156.345 465 31.417 1.627 8.463 18.117 3.210 71.568 19.847 8.055 26.665 17.001 5.408 36 580 229.398 228.685 94.808 87.788 46.088 712 295 400 18 17 9.162 4.740 1.501 1.501 539 250 13.757 7.356 3.420 1.262 995 459

Jun161.654 160.929 725 32.221 900 8.752 19.456 3.113 76.464 19.670 7.619 28.573 20.601 3.038 36 612 237.031 236.188 99.843 89.799 46.545 844 390 437 16 14 10.048 5.015 1.770 1.770 673 206 13.985 7.642 4.141 613 1.006 575

Jul164.753 164.003 750 31.322 2.563 8.721 16.525 3.514 76.145 21.157 7.432 28.103 19.453 2.754 36 861 236.777 235.625 94.420 91.721 49.484 1.151 367 769 15 13 10.590 6.319 1.767 1.767 745 210 14.064 7.686 4.836 189 987 572

Ags167.632 166.879 753 32.410 2.010 9.785 16.910 3.705 66.467 20.462 7.121 18.600 20.285 2.692 Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) 46 e. Equity Participation 704 f. Other Claims Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits

44.931 44.889 42 13.785 936 1.923 9.104 1.822 36.628 7.286 17.297 6.414 5.630 3.477 14 9 85.283 85.213 50.631 17.475 17.107 70 43 27 212 2.705 2.131 898 898 2.834 134 5.882 1.274 2.797 43 -45 401

55.955 55.919 36 21.139 1.191 6.042 12.018 1.888 69.589 14.196 43.115 4.973 7.304 3.654 13 9 129.141 129.065 74.692 29.365 25.008 75 31 44 144 4.307 3.026 905 905 5.871 232 7.136 1.782 3.908 -68 51 331

71.881 71.529 351 14.786 2.332 4.285 6.400 1.769 62.827 20.972 34.842 4.000 3.014 9.503 34 24 134.287 134.077 69.123 31.750 33.205 209 167 42 1 99 5.733 2.997 1.089 1.089 6.812 466 8.979 2.367 4.530 -75 28 220

96.385 95.751 635 19.517 734 5.923 11.216 1.645 45.986 8.677 26.260 4.709 6.340 10.212 34 341 143.262 143.027 70.653 34.877 37.497 235 93 138 4 882 10.092 2.887 1.310 1.310 4.627 543 9.903 3.072 5.751 22 -200 206

120.754 120.244 510 22.312 970 8.392 11.434 1.516 32.609 8.793 10.645 6.191 6.980 9.750 36 434 152.251 151.425 63.553 44.148 43.724 826 294 525 7 41 13.084 2.340 1.559 1.559 4.453 554 11.501 4.190 6.488 4 36 372

138.023 137.763 260 28.442 1.759 9.963 13.972 2.748 50.957 9.924 15.815 18.269 6.949 4.000 36 428 194.370 193.109 81.182 72.593 39.334 1.261 711 537 13 25 5.671 2.251 1.439 1.439 1.119 278 12.759 5.499 5.775 130 988 161

143.707 143.395 143.174 142.896 534 500 29.634 27.074 1.299 1.648 8.952 6.971 15.992 15.158 3.391 3.298 47.372 55.305 16.269 15.340 5.411 7.061 14.763 19.829 10.930 13.074 3.359 3.485 36 490 36 514

183.624 196.117 182.685 195.055 61.725 76.352 67.365 71.102 53.595 47.601 939 1.062 471 428 450 615 19 19 19 19 14.823 8.179 2.126 2.620 1.561 1.520 1.561 1.520 1.781 611 407 307 13.200 5.570 7.511 63 1.016 615 13.200 5.541 661 8.427 944 653

222.857 221.571 76.146 92.521 52.904 1.286 316 954 16 13 10.651 6.339 1.763 1.763 1.237 224 14.121 7.729 5.249 62 989

Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 521 f. Loan CapitalNote: 1) see explanation page iii

8



Tabel 1.6 Kegiatan Usaha Bank Campuran (Joint Venture Banks Operation)Miliar Rp (Billion Rp) 2010 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjamanKet: 1) Lihat Penjelasan hal iii

2011 Indicator Nov96.378 49.196 47.182 12.806 3.170 6.149 202 3.285 25.066 5.189 11.660 6.861 1.357 6.479 91 4.434 97.617 54.608 8.027 40.898 5.683 43.009 13.906 20.938 8.165 0 24.782 100 882 97 11.324 1.314 1.921 7.563 -336 1.727

2005 2006 2007 2008

2009 Ags Sep95.106 52.260 42.845 14.513 3.994 6.791 109 3.620 20.846 3.264 11.902 5.671 9 5.000 91 4.142 95.037 52.673 8.892 37.340 6.441 42.364 13.956 20.815 7.593 0 22.382 100 638 153 11.130 1.288 1.531 7.455 -330 1.727

Okt96.567 52.284 44.283 14.064 3.028 7.632 3.404 21.692 3.624 8.442 7.052 2.574 4.711 91 4.045 97.549 54.216 8.689 39.696 5.832 43.333 13.833 21.673 7.827 0 20.256 100 738 90 11.324 1.314 1.770 7.549 -328 1.727

Des99.020 50.311 48.709 12.144 2.748 5.679 202 3.515 24.116 5.840 9.585 6.994 1.697 5.792 109 4.816 98.161 54.292 7.984 40.151 6.156 43.869 14.295 21.223 8.351 0 24.873 248 628 102 11.324 1.314 2.063 7.468 -348 1.948

Jan98.845 50.081 48.764 13.336 3.135 6.143 203 3.855 24.685 7.989 9.893 5.036 1.767 5.856 109 4.875 97.737 53.128 8.303 38.612 6.213 44.609 15.096 21.391 8.122 0 24.695 248 694 133 11.545 1.314 208 9.519 -385 1.727

Feb94.606 49.664 44.943 16.346 4.475 7.470 198 4.204 22.481 7.877 7.228 6.147 1.229 5.567 109 4.497 96.183 51.438 8.228 37.065 6.145 44.745 14.880 21.568 8.297 0 22.500 248 0 0 747 112 10.749 1.304 364 9.076 -378 3.727

Mar96.821 50.348 46.473 14.406 3.497 6.629 195 4.085 26.438 8.501 8.123 8.028 1.786 4.287 111 5.033 97.746 52.440 8.583 37.848 6.009 45.306 14.492 22.440 8.374 0 24.071 248 0 0 761 132 12.121 1.281 604 9.095 233 2.190

Apr97.360 50.553 46.806 13.503 4.072 4.767 192 4.472 23.810 7.902 7.648 6.531 1.729 4.667 111 5.156 95.698 52.396 7.868 38.299 6.230 43.301 14.041 20.802 8.458 0 22.969 148 0 0 736 99 12.121 1.294 800 9.020 268 1.740

Mei100.362 52.020 48.342 12.526 3.073 4.795 191 4.467 25.630 8.769 5.824 8.572 2.465 5.498 111 5.403 98.794 55.296 8.380 40.331 6.586 43.498 14.639 20.653 8.206 0 25.357 148 0 0 698 81 12.121 1.324 920 9.052 270 1.740

Jun103.579 52.835 50.744 11.945 3.171 4.999 192 3.583 26.669 10.425 5.569 8.692 1.983 5.164 111 6.140 100.610 56.622 8.498 41.242 6.881 43.988 15.151 19.999 8.838 0 26.427 148 0 0 631 89 11.316 1.442 1.120 9.573 285 2.875

Jul104.378 52.238 52.140 10.034 2.497 3.197 289 4.051 29.666 10.462 5.773 11.721 1.710 3.679 111 6.527 98.768 55.906 8.401 39.784 7.720 42.863 12.799 21.153 8.911 0 28.744 148 0 0 718 54 11.316 1.445 1.167 9.580 293 2.875

Ags109.307 54.653 54.654 11.526 3.138 4.542 291 3.554 25.325 10.893 5.170 7.999 1.263 4.272 Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) 111 e. Equity Participation f. Other Claims 6.956 Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits

36.937 16.088 20.849 8.335 1.056 5.608 409 1.262 8.009 2.325 4.833 841 9 2.527 122 2.321 34.484 15.411 3.251 11.784 376 19.073 8.294 10.779 13.060 402 101 8.377 820 1.370 485 -437 -

40.833 18.166 22.667 6.901 639 4.910 162 1.190 10.266 2.139 7.023 1.082 22 2.073 36 2.328 35.927 16.112 2.715 12.173 1.224 19.815 7.410 12.405 14.048 416 175 8.002 592 1.561 1.786 -400 456

58.520 23.634 34.886 7.137 803 4.569 1.765 16.566 3.686 11.830 296 755 3.262 37 2.523 54.934 26.779 4.112 21.197 1.471 28.154 9.155 18.999 17.644 588 134 9.434 646 1.656 3.579 -343 329

75.849 33.360 42.489 14.821 3.727 7.212 109 3.773 15.687 2.724 10.384 1.542 1.037 3.726 40 4.727 76.902 37.691 4.976 29.691 3.023 39.211 13.896 25.315 0 0 18.292 99 2.411 91 10.673 927 2.026 4.920 -487 382

80.977 43.962 37.015 16.828 5.348 9.495 114 1.871 23.781 3.538 17.909 2.110 224 5.907 73 4.117 94.761 54.321 7.136 43.203 3.983 40.440 14.336 22.668 3.436 0 16.119 99 835 143 11.650 1.160 2.129 6.900 -369 329

92.476 50.555 41.922 14.073 2.844 7.705 110 3.414 20.280 4.542 13.290 1.823 625 5.201 89 4.260 93.078 52.392 8.557 37.585 6.250 40.686 13.632 19.418 7.636 0 21.143 100 632 127 11.130 1.288 1.370 7.529 -336 700

99.384 55.234 8.278 39.945 7.012 44.150 13.235 21.654 9.262 0 30.739 148 0 0 585 65 11.551 1.445 1.378 9.578 288

Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital 2.640 f. Loan CapitalNote: 1) see explanation page iii

9



Tabel 1.7 Kegiatan Usaha Bank Asing (Foreign Owned Banks Operation)Miliar Rp (Billion Rp) 2010 IndikatorPenyaluran Dana a. Kredit Rupiah Valas b. Antar Bank Giro Inter Bank Deposito Lainnya c. Penempatan di BI Giro SBI Call Money Lainnya d. Surat Berharga (tidak termasuk obligasi rekap) e. Penyertaan f. Tagihan Lainnya Sumber Dana a. DPK Rupiah Giro Deposito Tabungan Valas Giro Deposito Tabungan b. Kewajiban kpd BI c. Antar Bank d. Surat Berharga e. Pinjaman yang Diterima Rupiah Valas f. Kewajiban Lainnya g. Setoran Jaminan Beberapa Komponen Modal a. Modal Disetor b. Cadangan c. L/R tahun berjalan d. L/R tahun lalu e. Perkiraan tambahan modal disetor f. Modal pinjamanKet: 1) Lihat Penjelasan hal iii

2011 Indicator Nov110.950 49.785 61.165 43.125 2.463 18.002 22.660 46.217 7.571 30.945 7.141 560 10.080 13 7.614 126.948 67.999 27.481 33.642 6.876 58.949 34.504 12.226 12.219 17 28.000 1.012 788 3.830 3.479 11.292 189 -

2005 2006 2007 2008

2009 Ags Sep112.073 53.796 58.277 45.769 2.136 20.776 22.857 32.881 4.967 21.247 6.315 352 11.745 13 7.824 124.517 66.573 25.036 34.284 7.252 57.944 33.364 12.487 12.093 24.661 952 757 3.830 2.989 11.416 142 -

Okt111.449 53.604 57.845 44.493 1.860 18.945 23.688 41.127 5.072 20.301 15.259 494 11.049 13 7.778 122.153 64.612 23.284 34.278 7.049 57.541 32.905 12.327 12.309 27.651 977 721 3.830 3.427 11.396 201 -

Des113.004 50.348 62.656 43.223 1.923 19.328 21.972 42.290 7.920 26.011 7.914 445 7.002 19 7.605 124.376 65.722 24.689 34.265 6.768 58.653 34.197 12.187 12.270 2 24.332 939 752 3.830 3.907 10.670 108 -

Jan115.700 50.926 64.774 42.848 2.957 17.856 181 21.854 40.783 7.815 21.617 10.894 457 9.488 20 7.247 125.551 65.744 25.076 33.898 6.770 59.807 35.250 12.382 12.175 12 26.498 1.112 663 3.830 415 14.387 47 -

Feb117.054 51.307 65.747 43.457 2.215 18.589 176 22.477 42.984 10.219 17.507 13.315 1.942 9.494 20 7.781 127.249 64.275 24.624 33.119 6.531 62.975 37.554 13.263 12.157 52 26.703 958 494 3.830 681 14.532 32 -

Mar118.427 51.114 67.313 42.197 1.940 17.703 174 22.380 48.997 11.427 19.770 14.103 3.697 9.393 20 8.601 129.612 69.074 25.051 37.294 6.728 60.538 35.419 13.180 11.939 80 26.421 911 524 3.830 1.378 14.048 47 -

Apr118.757 50.142 68.616 39.390 2.536 16.171 171 20.511 49.663 11.630 18.995 15.356 3.682 8.010 19 10.668 126.831 65.408 24.098 34.201 7.109 61.423 36.667 12.801 11.955 110 25.829 1.064 520 3.830 1.604 13.814 84 -

Mei121.557 51.342 70.215 38.841 3.615 15.315 171 19.741 56.656 12.601 17.899 22.342 3.814 9.193 19 10.566 137.207 77.415 33.395 37.151 6.869 59.791 34.334 13.946 11.511 123 24.008 850 493 3.830 1.819 13.450 51 -

Jun120.327 48.631 71.695 35.601 2.185 13.617 173 19.627 66.192 15.829 20.862 23.000 6.501 8.457 19 11.430 134.288 75.020 34.448 33.786 6.786 59.268 34.928 12.873 11.466 124 25.330 882 551 3.830 2.074 13.497 62 -

Jul125.194 51.359 73.835 33.858 2.014 10.097 170 21.577 61.833 14.199 20.504 18.933 8.197 7.977 19 10.452 131.771 69.718 26.775 35.615 7.329 62.052 36.562 14.022 11.468 392 23.804 1.023 535 3.830 2.327 12.758 94 -

Ags130.156 53.804 76.352 33.385 2.992 8.146 171 22.077 58.564 16.145 19.046 14.331 9.042 12.210 Distribution of Funds a. Credit 1) Rupiah Foreign Exchange b. Inter-Bank Demand Deposit Call Money Times Deposits Others c. Placements at BI Demand Deposit Bank Indonesia Certificates (SBI) Call Money Others d. Securities (not including recapitalization bonds) 19 e. Equity Participation 10.633 f. Other Claims Source of Funds a. Third Party Funds - Rupiah Demand Deposits Times Deposits Savings Deposits - Foreign Exchange Demand Deposits Times Deposits Savings Deposits b. Liabilities owed to BI c. Inter-Bank d. Securities e. Loans received - Rupiah - Foreign Exchange f. Other Liabilities g. Guarantee Deposits

62.935 34.497 28.439 42.905 1.618 26.595 2 14.690 11.667 5.792 3.577 1.947 351 2.588 43 3.213 92.057 36.423 9.495 24.087 2.841 55.634 22.416 33.218 18.334 2.336 679 3.376 1.971 3.044 609 -

73.230 36.951 36.279 33.770 704 18.075 14.992 23.157 6.187 16.654 315 8.367 23 4.462 92.040 42.586 12.515 26.629 3.442 49.455 22.412 27.042 26.566 1.832 440 3.376 3.000 3.757 1.210 -

83.856 39.171 44.685 37.246 1.280 17.040 5 18.921 31.195 7.808 21.163 1.904 320 8.633 12 4.837 113.182 55.743 20.655 31.398 3.690 57.438 25.353 28.045 4.040 21.357 3.350 809 3.376 2.998 3.614 970 -

113.372 49.420 63.952 59.163 1.465 25.350 32.348 20.437 4.735 13.885 1.817 0 8.709 29 14.157 128.377 60.349 17.290 38.405 4.654 68.028 32.064 26.547 9.417 648 28.764 10.374 947 4.080 4.257 6.616 (352) -

100.011 49.846 50.165 61.885 2.524 34.882 24.479 22.505 4.550 16.332 1.064 559 10.350 13 6.987 117.594 57.731 19.242 32.267 6.222 59.864 32.612 16.270 10.982 731 19.890 2.759 851 3.830 3.983 8.814 144 -

109.387 52.709 56.677 46.405 1.988 22.291 22.126 37.919 4.948 30.413 2.185 373 11.338 13 7.678 123.813 66.513 22.062 37.409 7.042 57.300 32.739 12.561 11.999 24.537 1.047 745 3.830 2.897 11.942 125 -

130.140 70.276 25.605 37.803 6.868 59.864 33.395 14.827 11.641 447 27.771 1.155 499 3.830 2.944 12.704 68

Components of Capital a. Paid-In Capital b. Reserves c. Current Earnings(Profit/Loss) d. Retained Earnings(Profit/Loss) e. Estimates of Additional Paid-In Capital - f. Loan CapitalNote: 1) see explanation page iii

10



Tabel 1.8 Laporan Laba / Rugi Bank Umum (Commercial Banks Income Statement)Miliar Rp (Billion Rp) 2010 IndikatorA. Pendapatan operasional 1. Pendapatan bunga/bagi hasil/ margin Penduduk a. Dari Bank Indonesia b. Dari bank-bank lain c. Dari pihak ketiga bukan bank Surat berharga Kredit yang diberikan Lainnya Bukan penduduk a. Kantor Pusat/Cabang sendiri di luar Indonesia b. Dari bank-bank lain c. Dari pihak ketiga bukan bank Surat berharga Kredit yang diberikan Lainnya 2. Kenaikan nilai surat berharga 3. Keuntungan Transaksi valuta asing/ derivatif 4. Deviden, komisi/ provisi/fee 5. Lainnya

2011 Nov317.024 228.805 227.859 15.175 5.079 207.605 20.387 185.665 1.554 946 25 582 340 211 119 10 8.189 43.297 27.363 9.371 271.417 92.203 90.565 607 4.086 85.873 8.438 54.318 14.964 4.784 2.520 849 974 327 477 170 12 52 8 77 3 18 663 39.966 2.244 52.814 84.190 45.608 90.804 65.936 24.868 70.736 53.986

2005 2006 2007 2008 2009177.377 133.511 130.686 8.026 7.766 114.894 29.377 84.220 1.297 2.825 571 1.672 582 358 170 54 932 23.140 13.601 6.192 212.499 174.463 170.252 18.095 9.541 142.616 37.247 104.794 575 4.211 968 2.576 667 477 159 31 4.545 11.755 15.730 6.051 184.826 91.374 88.449 437 5.568 82.444 7.536 58.061 12.991 577 2.710 569 2.919 1.505 875 539 26 122 8 102 68 214 5 9.745 989 29.596 53.122 27.719 77.669 64.832 12.837 40.555 28.334 219.653 176.036 170.714 17.874 8.567 144.272 29.685 113.813 774 5.323 987 2.438 1.898 1.592 258 48 2.670 13.142 20.145 7.659 184.617 79.627 76.126 456 4.964 70.706 8.392 45.905 12.536 551 2.735 587 3.495 1.413 1.304 778 43 70 7 408 31 220 6 10.966 1.268 29.285 63.472 35.035 72.003 57.180 14.823 49.859 35.015 262.061 201.775 198.874 16.129 9.005 173.739 29.567 142.927 1.245 2.901 766 1.421 714 340 264 110 2.090 26.748 24.911 6.537 232.170 88.813 85.155 453 5.341 79.361 9.225 51.975 14.089 587 2.299 1.185 3.597 1.394 1.411 792 31 166 8 476 66 44 61 20.146 1.791 44.925 76.496 29.891 83.797 65.531 18.267 48.158 30.606 298.180 233.750 231.797 18.117 7.477 206.203 29.372 175.504 1.328 1.953 679 605 669 396 185 88 2.761 24.390 27.852 9.427 258.311 104.496 101.776 535 3.924 97.316 9.754 68.845 15.254 689 1.884 890 2.700 1.174 1.062 464 15 88 18 273 19 52 20 18.234 1.834 50.860 82.886 39.869 104.504 82.589 21.915 61.784 45.215

Ags225.704 163.708 163.002 11.047 3.762 148.194 14.578 132.706 909 706 13 442 250 160 83 8 6.008 29.476 20.194 6.319 192.864 65.598 64.877 448 3.339 61.089 6.184 38.864 10.549 3.382 1.492 618 722 246 368 108 9 32 6 60 1 0 27.020 1.411 37.940 60.895 32.839 65.163 46.152 19.011 50.514 38.892

Sep258.489 185.748 184.939 11.954 3.992 168.993 16.937 150.735 1.321 809 17 492 300 195 95 10 7.075 35.921 22.093 7.652 223.101 75.147 73.218 502 3.276 69.439 6.921 43.839 11.985 3.934 2.023 736 807 274 404 128 10 44 6 65 2 2 1.122 33.087 1.807 43.939 69.121 35.388 87.093 57.223 23.734 56.784 43.363

Okt290.135 207.392 206.488 13.609 4.592 188.286 18.613 168.236 1.437 904 21 537 346 229 107 9 7.893 41.803 24.644 8.404 249.501 83.881 81.977 559 3.779 77.640 7.695 49.039 13.474 4.372 2.289 771 945 302 441 202 11 101 7 71 2 10 959 38.737 2.031 48.860 75.991 40.634 82.148 58.989 23.159 64.017 49.057

Des350.873 251.562 250.478 16.980 5.700 227.798 22.110 203.844 1.844 1.083 28 630 425 239 174 12 8.482 48.300 31.906 10.623 302.549 101.777 99.957 702 4.528 94.727 9.266 59.734 16.648 5.196 2.814 1.070 1.098 354 514 229 17 88 9 83 5 26 722 44.614 3.479 57.268 95.410 48.325 100.948 73.218 27.730 76.140 57.309

Jan32.288 24.062 23.977 2.045 679 21.253 1.640 19.437 177 85 4 44 38 15 22 0 577 3.968 2.565 1.115 37.948 10.878 9.507 51 437 9.019 917 5.605 1.608 440 371 78 95 27 37 31 3 7 1 5 2 13 1.276 3.636 198 14.505 8.730 (5.660) 21.632 8.631 13.001 7.338 5.658

Febr)61.584 45.599 45.430 3.863 1.230 40.336 3.411 36.607 318 170 7 86 76 40 35 1 1.461 6.228 5.053 3.244 52.077 19.543 17.983 100 833 17.050 1.620 10.696 3.066 881 641 147 184 52 77 55 5 12 2 10 4 22 1.375 5.845 402 213 17.237 9.508 24.098 19.480 4.618 14.116 11.006

Mar94.909 71.138 70.912 5.763 1.867 63.282 5.059 57.726 497 225 10 132 83 38 45 0 2.828 8.754 8.007 4.183 80.768 29.229 27.438 153 1.282 26.004 2.461 16.396 4.692 1.394 800 261 266 77 106 82 8 18 3 16 6 31 1.525 7.944 644 16.781 26.169 14.142 37.523 28.828 8.696 22.887 18.319

Apr125.882 94.100 93.804 7.600 2.541 83.663 6.732 76.224 707 296 12 176 108 47 61 0 3.802 11.529 10.809 5.642 106.466 38.491 36.696 202 1.683 34.811 3.226 22.038 6.275 1.865 1.065 341 340 98 134 107 11 25 4 21 7 39 1.454 10.532 797 20.548 36.098 19.416 57.546 47.062 10.485 30.050 23.944

Mei155.305 117.210 116.845 9.582 3.250 104.014 8.345 94.854 815 365 17 212 135 57 78 0 4.608 13.740 13.452 6.295 131.315 48.316 46.489 254 2.129 44.106 4.034 27.973 7.927 2.3

b is pi agustus 2012

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