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STATISTIK PERBANKAN INDONESIA

INDONESIAN BANKING STATISTICS

BULANANMONTHLY

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Statistik Perbankan Indonesia (SPI) merupakanmedia publikasi yang menyajikan datamengenai perbankan Indonesia. SPI diterbitkansecara bulanan oleh Departemen Perizinan danInformasi Perbankan untuk memberikangambaran perkembangan perbankan diIndonesia.

Sehubungan dengan beralihnya fungsi, tugasdan wewenang pengaturan dan pengawasankegiatan jasa keuangan di sektor perbankandari Bank Indonesia ke Otoritas Jasa Keuangansejak tanggal 31 Desember 2013, maka SPI edisiNovember 2013 akan diterbitkan oleh OtoritasJasa Keuangan dan dapat diakses melaluiwebsite www.ojk.go.id pada menu Data danStatistik-Perbankan.

Dengan perubahan tersebut, diharapkan datayang disajikan tetap dapat bermanfaat bagipengguna.

Mulai data bulan Mei 2015, pengelompokkan

bank disajikan berdasarkan Bank Umum

berdasarkan Kelompok Usaha (BUKU) namun

data berdasarkan kelompok bank yang lama

The Indonesia Banking Statistic is a publicationmedia that provides data of Indonesia Banking.The SPI is published by the licence and bankinginformation department monthly to give anoverview of banking development in Indonesia.

Due to change function, job and authority ofarrangement and surveillance of financialservices activity in banking sector from The Bankof Indonesia to Financial Services Authority sinceDecember 31th, 2003, so The SPI's edition onNovember 2013 will be published by FinancialServices Authority and can be accessed throughwebsite www.ojk.go.id at data menu andbanking statistic.

By the change, the provided data can be usefulfor user/stakeholder.

Starting May 2015, the grouping of bankspresented based on Commercial Banks Group ofBusiness Activities (BUKU) but the old data groupcontinue to be presented in parallel until June

2016 It i t id th ti li it f

KATA PENGANTARFOREWARD

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HALAMAN KETERANGANPAGE OF REFERANCE

Jadwal Publikasi KedepanEdisi Januari 2016 akan diterbitkan pada minggu keIII bulan Maret 2016.

Tanda-tanda, simbol dan Sumber DataSuatu jumlah tidak selalu sama besarnya denganpenjumlahan angka-angka yang bersangkutankarena 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

Tanda koma pada angka-angka harap dibaca sebagaititik dan sebaliknya tanda titik harap dibaca sebagaikoma.

Sumber Data : Bank Indonesia dan Otoritas JasaKeuangan, kecuali jika dinyatakan lain.1. Data yang digunakan dalam Publikasi SPI

bersumber dari Laporan Bulanan Bank Umum(LBU), dan Laporan Berkala Bank PerkreditanRakyat (LBBPR) kecuali dinyatakan lain.

2 P d l d d t D t L B l

Advance Release Calender (ARC)January 2016 edition will be released on the 3rd weekof March 2016.

Notes, Symbols and Sources of DataTotals do not necessarily agree with the sum of itemsshown 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

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

Data Source : Bank Indonesia and Financial ServicesAuthority unless mentioned otherwise.

1. The data used in the Indonesian Banking Statisticsis derive from Commercial Bank Monthly Reports,and Rural Bank Monthly Reports.

2 D t f th C i l B k M thl R t

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DAFTAR ISITABLE OF CONTENT

KATA PENGANTAR i

HALAMAN KETERANGAN ii

DAFTAR ISI iii

DAFTAR SINGKATAN iv

DAFTAR TABEL v

DAFTAR TABEL TAMBAHAN DAN ix

PERUBAHAN NAMA TABEL

METADATA xi

DATA 2

DATA BANK UMUM BERDASARKAN BUKU 4

INTRODUCTION i

PAGE OF REFFERENCE ii

TABLE OF CONTENT iii

LIST OF ABBREVIATIONS iv

LIST OF TABLES v

LIST OF ADDITIONAL TABLE AND ix

CHANGE OF TABLES NAME

METADATA xi

DATA 2

COMMERCIAL BANK GROUP OF BUSINESS 4

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DAFTAR SINGKATANLIST OF ABBREVIATION

APYD : Aktiva Produktif Yang Diklasifikasikan

ATMR : Aktiva Tertimbang Menurut Risiko

BOPO : Biaya Operasional terhadap Pendapatan

Operasional

BPD : Bank Pembangunan Daerah

CAR : Capital Adequacy Ratio

DPK : Dana Pihak Ketiga

KAP : Kualitas Aktiva Produktif

KBAB : Kewajiban Bersih Antar Bank

KP : Kantor Pusat

KC : Kantor Cabang

KCP : Kantor Cabang Pembantu

KK : Kantor Kas

KPW : Kantor Perwakilan

LBU : Laporan Bulanan Bank Umum

LDR : Loan to Deposit Ratio

NIM : Net Interest Margin

NPL : Non Performing Loan

ROA : Return on Assets

APYD : Classified Earning assets

ATMR : Risk Weighted Assets

BOPO : Operations Expenses to Operations Income

BPD : Regional Development Bank

CAR : Capital Adequacy Ratio

DPK : Third Party Funds

KAP : Earning assets Qualtiy

KBAB : Inter-Bank Net Liabilities

KP : Head Office

KC : Branch Office

KCP : Sub-Branch Office

KK : Cash Office

KPW : Representative Office

LBU : Commercial Bank Monthly Report

LDR : Loan to Deposit Ratio

NIM : Net Interest Margin

NPL : Non-Performing Loan

ROA : Return on Assets

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DAFTAR TABELLIST OF TABLES

NO. NO. TABEL JUDUL HAL TABLES TOPIC PAGES

DATA DATA

1. 1.0 Kegiatan Usaha Perbankan 2 1.0 Bank Industries Operation 2

DATA BANK UMUM

BERDASARKAN BUKU COMMERCIAL BANKS GROUPOF BUSINESS ACTIVITIES

2. 1.1 1.8 Kegiatan Usaha Bank Umumberdasarkan BUKU 4

1.1 1.8Commercial Banks Group of

Business Activities

4

3. 1.9 1.16 Laporan Laba/Rugi Bank Umumberdasarkan BUKU 12

1.9 1.16Commercial Banks Group ofBusiness Acitivies - IncomeStatements

12

4. 1.17 - 1.24 Rekening Administratif Bank Umumberdasarkan BUKU 20

1.17 - 1.24Commercial Banks Group ofBusiness Acitivies - Off-BalanceSheet

20

5. 1.25 - 1.31 Kinerja Bank Umum Konvensional

berdasarkan BUKU 28

1.25 - 1.31

Performance of CommercialBanks Group of BusinenessActivities

28

6. 1.32 Perkembangan Aset Bank UmumBerdasarkan BUKU 36

1.32Growth of Commercial BanksAssets based on Group ofBusiness Activities

36

7. 1.33 Jumlah Bank Umum BerdasarkanPengelompokkan Total Aset BUKU 37

1.33Total of Commercial Banks Basedon Total Assets

37

8 1 34

1 41 A t P d ktif B k U 38 1 34

1 41 E i A t f C i l 38

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20. 1.31 s.d 1.37 Aset Produktif Bank UmumKonvensional dan Kualitas KreditBank Umum Kepada Bank Lain

94 1.31 s.d 1.37 Earning Assets of CommercialBanks and Credit Quality ofCommercial Banks to Other Bank

94

21. 1.38 s.d 1.44 Komposisi Dana Pihak Ketiga BankUmum

101 1.38 s.d 1.44 Composition of Third Party Fundsof Commercial Banks

101

22. 1.45 Komposisi DPK Bank UmumBerdasarkan Lokasi bankPenghimpunan Dana

108 1.45 Composition of Third Party Fundsof Commercial Banks Based onBank Location Month (...) Year (...)

108

23. 1.46 Penghimpunan DPK Bank Umum

Berdasarkan Lokasi BankPenghimpunan Dana

109 1.46 Third Party Funds of Commercial

Banks Based on Bank Location ofDeposits

109

24. 1.47 s.d 1.53 Suku Bunga Rata-rata DPK BankUmum

110 1.47 s.d 1.53 Average of Interest Rate of ThirdParty Fund of Commercial Banks

110

25. 1.54 Suku Bunga Rata-rata Kredit BankUmum kepada Pihak Bukan BankBerdasarkan Lapangan Usaha danBukan Lapangan Usaha PenerimaKredit

117 1.54 Average of Credit Interest Ratesof Commercial Bank to PartiesNon Bank Based on IndustrialOrigin and Non Industrial OriginCredit Recipients

117

26. 1.55 Suku Bunga Rata-rata Kredit BankUmum kepada Pihak Ketiga BukanBank Berdasarkan JenisPenggunaan dan OrientasiPenggunaan

118 1.55 Average of Credit Interest Rate ofCommercial Based on Types andOrientation User

118

27. 1.56 Perkembangan Jumlah Bank Umumdan Kantor Bank Umum

119 1.56 Growth of Total CommercialBanks and Bank Offices

119

28. 1.57 Perkembangan Jumlah KantorCabang Bank Berdasarkan LokasiBank

120 1.57 Growth of Total Branch officesBased on Region

120

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39. jdkjdjdkdkjdjdkjddj

2.13

2.14

Perkembangan Jumlah Bank danKantor Bank

a. Perkembangan Jumlah BPR

b. Perkembangan Jumlah BPR danKantor BPR Berdasarkan Lokasi

134 jdkjdjdkdkjdjdkjddj

2.13

2.14

Growth of Total Rural Banks andBank Offices

a. Growth of Total Rural Bankb. Growth of Total Rural Bank

Offices Based on Region

134

40. 2.15 Kegiatan Usaha BPR Syariah 136 2.15 Syariah Rural Bank 136

41. 2.16 Aset dan Pembiayaan BPR Syariah 137 2.16 Asset and Financing of ShariaRural Bank)

137

DATA PERKREDITAN CREDIT DATA

42. 3.1 3.8 Kredit dan NPL Bank UmumKonvensional - BUKU Kepada PihakKetiga Bukan Bank BerdasarkanLapangan Usaha dan BukanLapangan Usaha Penerima Kredit

139

3.1 3.8Credit and NPL Credit ofCommercial Banks Group ofBusiness Activities to Non BankThird Party Based on BusinessSector and non Business Sector ofCredit Beneficiary

139

45. 3.9 s.d 3.16 Kredit dan NPL Bank Umum

Konvensional - BUKU Kepada PihakKetiga Bukan Bank BerdasarkanJenis Penggunaan dan OrientasiPenggunaan

147

3.9 s.d 3.16Credit and NPL of CommercialConventional Banks Group ofBusiness Activities 1 to Non BankThird Party Based on Types andOrientation of Use

147

51. 3.17 Kredit dan NPL Bank UmumKonvensional dan Bank UmumSyariah berdasarkan BUKU

155 3.17 Credit and Non Performing Loan(NPL) of Commercial Conventionaland Sharia Banks based onGroup of Business Activities toNon Bank Third Party WithdrawnBy Card

155

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52. 3.20.a Penerusan Kredit (Off-BalanceSheet) dan NPL Penerusan KreditBank Umum Kepada Pihak KetigaBukan Bank Berdasarkan LapanganUsaha dan Bukan Lapangan UsahaPenerima Penerusan Kredit

175 3.20.a Credit Channeling (Off-BalanceSheet) and NPLof CommercialBanks Based on IndustriesSector and non Industries Sectorof Credit Channeling Beneficiary

175

53. 3.21.a Penerusan Kredit (Off-BalanceSheet) dan Non PerformingLoan(NPL) Penerusan Kredit Bank UmumKepada Pihak Ketiga Bukan Bank

Berdasarkan Jenis Kredit danGolongan Penyalur Kredit

176 3.21.a Off-Balance Sheet CreditChanneling and NPL ofCommercial Banks to Non-BankThird Party Based on Types of

Credit and Classification of CreditProviders

176

54. 3.22.a Kredit BPR Berdasarkan SektorEkonomi

177 3.22.a Credit of Rural Banks Based onEconomic Sector

177

55. 3.23.a Kredit Bank Perkreditan RakyatBerdasarkan Jenis Penggunaan

178 3.23.a Credit of Rural Banks Based onType of Use

178

56. 3.24.a Kredit Bank Perkreditan RakyatBerdasarkan Lokasi Bank Penyalur

179 3.24.a Credit of Rural Bank Based onLocation

179

57. 3.25.a Kredit dan NPL MKM dan UMKM

Berdasarkan Sektor Ekonomi

180 3.25.a Credit & NPL of MSMEs and

SMEs Based on Economic Sector

180

58. 3.26.a Kredit dan NPL MKM dan UMKMBerdasarkan Jenis Penggunaan

182 3.26.a Credit & NPL of MSMEs andSMEs Based on Type Use

59. 3.27.a Kredit dan NPL Rincian Kredit MKMdan UMKM Menurut KelompokBank

183 3.27.a Credit & NPL of MSMEs andSMEs Based on Group of Bank

183

60. 2.28.a Kredit UMKM dan MKM MenurutLokasi Proyek per Daerah Tingkat I

185 2.28.a Credit & NPL of MSMEs andSMEs Based on Project Location

185

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No. Nomor Tabel Nama Tabel Keterangan

1 Tabel 1 Kegiatan Usaha Perbankan Perubahan Nama Tabel2 Tabel 1.1 Kegiatan Usaha Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel3 Tabel 1.2 Kegiatan Usaha Bank Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru4 Tabel 1.3 Kegiatan Usaha Bank Umum Konvensional - BUKU 2 Tabel baru dgn nomor baru5 Tabel 1.4 Kegiatan Usaha Bank Umum Konvensional - BUKU 3 Tabel baru dgn nomor baru6 Tabel 1.5 Kegiatan Usaha Bank Umum Konvensional - BUKU 4 Tabel baru dgn nomor baru7 Tabel 1.6 Kegiatan Usaha Bank Umum Syariah - BUKU 1 Tabel baru dgn nomor baru

8 Tabel 1.7 Kegiatan Usaha Bank Umum Syariah - BUKU 2 Tabel baru dgn nomor baru9 Tabel 1.8 Laporan Laba/Rugi Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel

10 Tabel 1.9 Laporan Laba/Rugi Bank Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru11 Tabel 1.10 Laporan Laba/Rugi Bank Umum Konvensional - BUKU 2 Tabel baru dgn nomor baru12 Tabel 1.11 Laporan Laba/Rugi Bank Umum Konvensional - BUKU 3 Tabel baru dgn nomor baru13 Tabel 1.12 Laporan Laba/Rugi Bank Umum Konvensional - BUKU 4 Tabel baru dgn nomor baru14 Tabel 1.13 Laporan Laba/Rugi Bank Umum Syariah - BUKU 1 Tabel baru dgn nomor baru15 Tabel 1.14 Laporan Laba/Rugi Bank Umum Syariah - BUKU 2 Tabel baru dgn nomor baru16 Tabel 1.15 Rekening Administratif Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel17 Tabel 1.16 Rekening Administratif Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru18 Tabel 1.17 Rekening Administratif Umum Konvensional - BUKU 2 Tabel baru dgn nomor baru19 Tabel 1.18 Rekening Administratif Umum Konvensional - BUKU 3 Tabel baru dgn nomor baru20 Tabel 1.19 Rekening Administratif Umum Konvensional - BUKU 4 Tabel baru dgn nomor baru21 Tabel 1.20 Rekening Administratif Umum Syariah - BUKU 1 Tabel baru dgn nomor baru22 Tabel 1.21 Rekening Administratif Umum Syariah - BUKU 2 Tabel baru dgn nomor baru23 Tabel 1.22 Kinerja Bank Umum Konvensional Tabel baru dgn nomor baru24 Tabel 1.23 Kinerja Bank Umum Konvensional BUKU 1 Tabel baru dgn nomor baru25 Tabel 1.24 Kinerja Bank Umum Konvensional BUKU 2 Tabel baru dgn nomor baru26 Tabel 1.25 Kinerja Bank Umum Konvensional BUKU 3 Tabel baru dgn nomor baru27 Tabel 1.26 Kinerja Bank Umum Konvensional BUKU 4 Tabel baru dgn nomor baru28 Tabel 1.27 Kinerja Bank Umum Syariah BUKU 1 Tabel baru dgn nomor baru29 Tabel 1.28 Kinerja Bank Umum Syariah BUKU 2 Tabel baru dgn nomor baru

30 Tabel 1.29Perkembangan Aset Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Kegiatan

Usaha

Tabel baru dgn nomor baru

31 Tabel 1.30Jumlah Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Pengelompokan Total

Aset


32 T b l 1 31 d k f k l d l d k k d k b l b d b

DAFTAR TABEL TAMBAHAN dan PERUBAHAN NAMA TABEL

PENERBITAN STATISTIK BANK UMUM BERDASARKAN KELOMPOK USAHA

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No. Nomor Tabel Nama Tabel Keterangan

62 Tabel 4.10Kredit dan NPL Kredit Bank Umum Konvensional BUKU 1 Kepada Pihak Ketiga Bukan BankBerdasarkan Jenis Penggunaan dan Orientasi Penggunaan


63 Tabel 4.11Kredit dan NPL Kredit Bank Umum Konvensional BUKU 2 Kepada Pihak Ketiga Bukan Bank

Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan






66 Tabel 4.14Kredit dan NPL Kredit Bank Umum Syariah BUKU 1 Kepada Pihak Ketiga Bukan Bank



67 Tabel 4.15Kredit dan NPL Kredit Bank Umum Syariah BUKU 2 Kepada Pihak Ketiga Bukan Bank



68 Tabel 4.19Kredit dan NPL Bank Umum Konvensional dan Bank Umum Syariah berdasarkan Kegiatan Usaha

kepada Pihak Ketiga Bukan Bank Yang Penarikannya Menggunakan Kartu


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1. Nama Data : Kelompok Bank Umum berdasarkan Kegiatan Usaha

2. Penyelenggara Stati : Departemen Perizinan dan Informasi Perbankan - OJK3. Alamat : Kompleks Perkantoran BI, Jalan MH Thamrin No. 2 Jakarta, Menara Radius Prawiro Lantai 12

4. Nomor Telp : 021-1500 655

5. Nomor Fax : 021-3523705

6. Email : [email protected]

METADATA

INFORMASI DASAR

DEFINISI

Statistik Kelompok Bank Umum berdasarkan Kelompok Usaha disusun berdasarkan PERATURAN BANK INDONESIA

NOMOR 14/26/PBI/2012 TENTANG KEGIATAN USAHA DAN JARINGAN KANTOR BERDASARKAN MODAL INTI BANK.

Bank adalah Bank Umum sebagaimana dimaksud dalam Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan

sebagaimana telah diubah dengan Undang-Undang Nomor 10 Tahun 1998, termasuk kantor cabang dari bank yang

berkedudukan di luar negeri, dan Bank Umum Syariah serta Unit Usaha Syariah sebagaimana dimaksud dalam Undang-

Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah.

Modal Inti:

a. bagi Bank yang berbadan hukum Indonesia adalah modal inti sebagaimana dimaksud dalam ketentuan Bank Indonesia

yang mengatur mengenai kewajiban penyediaan modal minimum;

atau

b. bagi kantor cabang dari bank yang berkedudukan di luar negeri adalah dana usaha yang telah dialokasikan sebagai

Capital Equivalency Maintained Asset (CEMA) sebagaimana dimaksud dalam ketentuan Bank Indonesia yang mengatur

mengenai kewajiban penyediaan modal minimum.

Kegiatan Usaha adalah kegiatan usaha Bank Umum sebagaimana dimaksud dalam Undang-Undang Nomor 7 Tahun 1992

tentang Perbankan sebagaimana telah diubah dengan Undang-Undang Nomor 10 Tahun 1998 dan kegiatan usaha Bank

Umum Syariah serta Unit Usaha Syariah sebagaimana dimaksud dalam Undang-Undang Nomor 21 Tahun 2008 tentang
mailto:[email protected]:[email protected]

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Data merupakan data final pada saat dipublikasikan. Revisi data dilakukan pada publikasi berikutnya setelah

kekeliruan data ditemukan.

KSES D T

Data Statistik Bank Umum berdasarkan Kegiatan Usaha dapat diakses dalam website OJK: http://www.ojk.go.id

SUMBER D T

Laporan Bulanan Bank Umum (LBU) dan Laporan Stabilitas Moneter dan Keuangan (LSMK) Bank Umum Syariah

(BUS)-Unit Usaha Syariah (UUS)

METODOLOGI

Data disusun berdasarkan gabungan LBU dan LSMK BUS-UUS dari seluruh kantor bank pelapor di Indonesia.

INTEGRIT S D T

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Statistik Perbankan Indonesia - Vol. 14, No. 1, Desember 2015 Indonesia Banking Statistics - Vol. 14, No. 1, December 2015

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

Bank Umum 3.412.463 4.172.672 4.823.303 5.468.910 5.504.463 5.580.024 5.673.253 5.681.864 5.727.205 5.821.498 5.800.377 5.899.822 6.040.938 5.893.338 5.915.024 5.968.650 Commercial Banks

Bank Perkreditan Rakyat 53.534 64.753 74.550 86.931 87.109 87.436 88.545 89.469 90.510 90.703 91.976 93.212 94.173 95.302 96.181 98.289 Rural Banks

117.983 81.158 111.689 113.104 88.428 88.654 89.372 80.450 69.256 63.142 53.561 54.806 42.220 40.760 37.327 40.017





Bank Umum 120 120 120 119 119 119 119 118 118 118 118 118 118 118 118 118 Commercial Banks


Bank Umum 14.797 16.625 18.558 30.181 30.224 30.279 30.318 30.383 30.455 30.507 30.569 30.686 30.819 32.883 32.886 32.963 Commercial Banks


2014

Jumlah Aset

Total Assets

Jumlah Bank

Total Bank Offices

Total Banks

Jumlah Kantor

Ket :1)Sertifikat Bank Indonesia Syariah Note: 1). Sharia Indonesian Banking Certificate

Tabel Kegiatan Usaha Perbankan

Bank Industries Operation)

Miliar Rp Billion Rp)

Indikator

Source of Funds

Penyaluran Dana

2013Indicator

2011

Distribution of Funds

2012

SBI and SBIS

1

SBI dan SBIS

1

Sumber Dana

2015

2

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2014

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

a. K redit Yang Diberikan 3.706.501 3.667.163 3.698.177 3.713.544 3.745.058 3.790.548 3.861.172 3.868.144 3.916.704 3.990.464 3.955.393 3.983.121 4.092.104 a. Credit

- Kepada Pihak Ketiga 3.674.308 3.634.620 3.665.686 3.679.871 3.711.569 3.757.133 3.828.045 3.833.745 3.881.294 3.956.483 3.923.437 3.950.612 4.057.904 - To Third Party

Rupiah 3.057.964 3.010.140 3.036.187 3.062.648 3.088.955 3.122.424 3.184.485 3.181.779 3.211.766 3.273.708 3.299.073 3.329.542 3.423.180 Rupiah

Valas 616.345 624.480 629.499 617.224 622.614 634.709 643.559 651.966 669.528 682.774 624.364 621.069 634.724 Foreign Exchange

- Kepada Bank Lain 32.192 32.542 32.491 33.673 33.489 33.415 33.127 34.399 35.411 33.981 31.956 32.510 34.200 - Inter Bank Credit

Rupiah 19.100 18.791 18.070 17.427 17.691 17.720 18.968 20.007 19.992 20.396 19.977 20.716 21.443 RupiahValas 13.092 13.752 14.421 16.246 15.798 15.695 14.159 14.392 15.419 13.586 11.978 11.793 12.757 Foreign Exchange

b. Penempatan pada Bank Lain 182.432 218.842 207.021 240.139 253.053 253.730 274.605 238.089 232.377 268.299 238.059 228.348 211.901 b. Interbank Placement

- Giro 70.250 98.131 84.647 87.238 84.446 83.472 102.590 87.669 89.968 102.789 87.745 94.883 77.840 - Demand Deposit

- Inter Bank Call Money 77.697 75.860 70.261 90.585 95.373 93.861 97.973 85.161 78.414 102.445 96.249 82.082 104.725 - Inter Bank Call Money

- Deposito Berjangka 29.622 38.910 44.817 55.510 63.980 64.607 62.530 55.694 54.671 53.610 46.765 43.719 20.692 - Time Deposits

- Lainnya 4.864 5.942 7.294 6.806 9.255 11.789 11.512 9.565 9.324 9.455 7.300 7.663 8.643 - Others

c. Penempatan pada Bank Indonesia 569.018 598.780 608.291 650.550 643.969 631.525 636.687 640.134 661.507 709.787 657.957 674.835 685.575 c. Placement to Bank Indonesia


- Fine Tune Operation (FTO) 79.917 101.098 99.008 109.749 144.171 140.799 119.170 100.365 155.740 171.793 159.585 178.096 158.264 - Fine Tune Operation (FTO)

- Fasbi 123.020 128.876 138.749 173.020 116.173 108.423 134.611 150.829 115.367 137.245 100.047 99.548 123.177 - Fasbi

- Lainnya 4.493 3.651 5.087 3.446 7.408 5.491 3.695 8.418 4.973 9.954 11.818 3.949 10.772 - Others

d. Surat Berharga 636.688 648.548 699.993 712.924 697.038 677.655 655.508 661.982 683.331 679.597 670.217 647.555 660.828 d. Securitiess

- Sertifikat Bank Indonesia (SBI) 113.104 88.428 88.654 89.372 80.450 69.256 63.142 53.561 54.806 42.220 40.760 37.327 40.017 - Bank Indonesia Certificates (SBI)

- Surat Perbendaharaan Negara (SPN) 19.418 17.735 16.499 18.187 15.178 17.151 19.898 20.771 23.587 24.191 26.603 24.063 26.443 - TreasuryBills

- Obligasi 369.849 375.499 401.495 416.080 422.924 423.161 426.859 441.958 470.597 475.676 473.350 473.288 485.238 - Bonds

- Lainnya 134.316 166.887 193.344 189.284 178.487 168.086 145.609 145.692 134.340 137.510 129.504 112.877 109.130 - Others

e. Penyertaan 20.984 21.151 21.212 21.723 21.551 21.585 21.810 22.852 22.929 23.482 23.522 23.969 25.605 e. EquityInvestment

f. Cadangan Kerugian PenurunanNilai Aset Keuangan (CKPN)

90.454 93.899 96.255 95.231 97.631 102.272 105.817 109.566 112.377 116.030 114.909 117.840 116.540 f. Impairment on Financial Assets

- Kredit yang diberikan 83.240 86.810 88.618 87.870 90.385 94.878 98.540 102.151 104.708 108.073 107.125 110.019 110.161 - Credit

- Surat Berharga 2.289 2.315 2.360 2.369 2.361 2.414 2.454 2.479 2.616 2.731 2.708 2.774 1.612 - Securities- Lainnya 4.926 4.774 5.277 4.992 4.885 4.980 4.823 4.935 5.053 5.226 5.076 5.047 4.767 - Others

g. T agihan Spot dan Derivatif 17.483 19.403 20.884 21.223 19.532 20.688 20.646 21.861 29.534 37.237 25.213 21.855 20.611 g. Spot and Derivatives Claims

h. Tagihan Lainnya 245.350 236.676 228.192 217.919 204.031 229.204 245.252 237.750 241.062 216.042 208.069 217.502 155.488 h. Other claims

Sumber Dana

a. Dana Pihak Ketiga 4.114.420 4.106.358 4.151.448 4.198.577 4.217.625 4.232.150 4.319.749 4.328.822 4.366.571 4.464.083 4.370.404 4.367.019 4.413.056 a. Third PartyFunds

Rupiah 3.434.579 3.401.537 3.444.660 3.476.318 3.483.335 3.483.810 3.546.975 3.559.128 3.575.234 3.644.478 3.607.908 3.618.247 3.665.444 Rupiah

Giro 605.276 593.865 612.845 651.220 639.138 651.864 708.002 673.361 686.052 732.441 694.604 713.164 667.537 Demand Deposit

Tabungan 1.187.559 1.125.918 1.118.804 1.102.302 1.102.532 1.097.383 1.114.824 1.142.023 1.132.399 1.156.248 1.151.639 1.175.716 1.274.588 Saving

Simpanan Berjangka 1.641.743 1.681.754 1.713.010 1.722.797 1.741.666 1.734.563 1.724.149 1.743.745 1.756.783 1.755.789 1.761.665 1.729.366 1.723.319 Time Deposits



Tabungan 96.899 97.595 98.137 99.799 101.115 101.612 104.923 105.653 110.287 126.263 120.169 121.924 121.423 Saving

Simpanan Berjangka 298.633 309.224 318.453 321.632 318.216 325.711 319.104 324.072 325.559 326.756 306.259 303.607 306.194 Time Deposits

b.Kewajiban kepada Bank Indonesia 2.147 2.872 1.833 2.036 950 1.237 1.786 936 946 956 1.118 1.157 691 b. Liabilities to BI

c. Kewajiban kepada Bank lain 132.956 128.638 138.062 156.051 167.903 173.805 178.157 158.036 168.245 181.716 167.639 158.506 161.094 c. Interbank Liabilities

d. Surat Berharga yang diterbitkan 54.308 59.104 63.440 64.874 68.814 69.649 69.216 73.627 73.117 75.000 67.358 66.901 65.544 d. Issued Securities

e. Pinjaman yang Diterima 145.853 140.653 135.734 137.883 133.565 130.812 122.215 127.069 128.868 125.632 132.688 153.783 177.718 e. Loans received

Rupiah 20.350 19.445 19.044 18.883 19.330 19.257 20.078 21.570 21.016 20.844 19.533 20.744 22.873 Rupiah


f . Kewajiban Spot dan Derivati f 18.880 21.079 23.773 25.155 22.697 24.533 25.404 27.019 38.718 52.385 33.361 28.939 27.728 f. Spot and Derivatives Liabilities

g. Kewajiban Lainnya (mencakupTagihan Akseptasi, dan Tagihan atas

Surat Berharga yang dijual dgn janji

dibeli kembali/repo)

120.691 106.179 104.768 120.171 118.228 123.682 132.552 124.160 123.134 114.326 95.166 94.760 109.623 g. Other Liabilities

h. Setoran Jaminan 5.622 5.479 5.157 5.032 4.999 5.091 4.784 4.564 4.809 5.231 5.441 5.602 6.292 h. Margin Deposits

Beberapa komponen modal

a. Modal Disetor 153.439 154.008 154.210 154.352 154.627 155.838 156.988 158.983 159.957 162.001 162.525 163.938 164.270 a. Paid In Capital

b. Cadangan 67.568 67.577 67.687 74.807 77.325 80.491 81.275 81.511 81.544 81.649 81.640 81.677 81.652 b. Reserves

c. L/R Tahun lalu1) 256.642 372.080 372.026 346.998 336.734 329.390 327.455 326.596 326.127 326.063 326.067 325.976 323.763 c. Retained Earnings (Profit/Loss)

1)

d. L/R Tahun berjalan sesudah pajak2) 112.213 10.242 18.067 29.630 36.847 44.775 50.843 59.069 68.357 78.205 86.632 96.006 104.628 d. Current Earnings (Profit /Loss)

2)

e. Tambahan modal disetor 97.889 101.981 102.583 98.988 98.759 97.197 97.002 97.183 94.994 91.304 94.769 96.173 96.177 e. Additional Paid In Capital

f. Modal Pinjaman 34.432 35.046 35.166 37.860 38.432 38.611 39.088 39.179 39.557 41.019 40.483 40.591 40.878 f. Loan Capital1)

LBU 2008 is not defined vs metada

*) Provisional figures

r) Revised figures

Tabel 1.1. Kegiatan Usaha Bank Umum

(Commercial Bank Operations)

Miliar Rp (Billion Rp)

Keterangan Items

015

r) Angka-angka diperbaiki

Penyaluran Dana


Source of Funds

Components of Capital

*) A ngka-angka sementara

2)Positive difference of op. income and non op. minus op. expenses and non op. vs old metada

2). Selisih positif dr Seluruh Pendapatan Op. dan Non Op. Dikurangi Beban Op. dan Non Op. Vs etadata Lama

1). Pada LBU 2008 tdk didefinisikan Vs etadata

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a. Kredit Yang Diberikan 110.961 110.251 111.237 108.069 114.414 116.727 115.267 115.489 116.864 118.006 113.152 114.563 106.888 a. Credit

- Kepada Pihak Ketiga 109.924 109.229 110.251 107.101 113.447 115.724 114.226 114.498 115.892 117.059 112.318 113.739 106.040 - To Third Party

Rupiah 107.029 106.349 107.104 103.719 105.664 107.590 107.184 107.378 108.582 109.812 105.580 106.878 99.316 Rupiah


- Kepada Bank Lain 1.037 1.023 986 968 966 1.003 1.041 991 972 947 834 824 849 - Inter Bank Credit

Rupiah 1.037 1.023 986 968 966 1.003 1.041 991 972 947 834 824 849 Rupiah

Valas - - - - - - - - - - - - - Foreign Exchangeb. Penempatan pada Bank Lain 10.746 13.264 16.370 15.973 17.751 19.462 21.501 16.731 17.675 20.950 16.779 12.547 12.650 b. Interbank Placement




- Lainnya 81 171 184 119 980 1.355 1.488 561 902 1.346 176 163 195 - Others

c.Penempatan pada Bank Indonesia 21.594 25.026 23.105 25.858 28.169 25.896 23.395 27.099 22.876 22.516 23.093 26.147 17.341 c. Placement to Bank Indonesia


- Fine Tune Operation (FTO) 249 204 340 278 148 90 65 410 57 305 360 496 435 - Fine Tune Operation (FTO)

- Fasbi 9.408 12.250 10.936 13.877 14.568 12.585 10.390 13.936 9.887 8.939 9.852 10.405 5.650 - Fasbi

- Lainnya 33 24 46 22 34 25 12 19 12 9 18 9 306 - Others



- Surat Perbendaharaan Negara - - - - - - - - - - 9 10 - - TreasuryBills

- Obligasi 5.751 5.896 5.956 5.294 6.452 6.389 6.944 7.438 7.336 7.386 6.543 6.370 6.388 - Bonds

- Lainnya 4.237 5.094 5.388 5.820 6.503 7.146 5.171 5.519 5.464 5.572 5.168 4.274 4.043 - Others

e. Penyertaan 6 6 6 6 6 6 6 6 6 5 4 4 4 e. EquityInvestment

f. Cadangan Kerugian Penurunan

Nilai Aset Keuangan (CKPN)


- Kredit yang diberikan 1.037 1.225 1.272 1.226 1.386 1.418 1.414 1.444 1.512 1.458 1.318 1.253 956 - Credit

- Surat Berharga 1 6 6 6 6 6 6 6 6 0 0 0 0 - Securities- Lainnya 274 274 281 269 277 275 273 275 276 277 268 270 280 - Others

g. Tagihan Spot dan Derivatif 8 2 3 3 4 1 2 1 1 1 2 0 1 g. Spot and Derivatives Claims

h. Tagihan Lainnya 906 1.495 1.512 1.330 1.765 1.850 2.146 1.905 2.186 1.892 1.735 2.563 906 h. Other claims

Sumber Dana

a. Dana Pihak Ketiga 129.155 137.746 140.380 140.368 150.650 151.868 149.943 150.032 149.229 152.511 145.028 143.610 121.026 a. Third PartyFunds

Rupiah 125.130 133.311 135.607 135.569 142.529 143.138 141.833 141.170 139.307 142.240 135.320 133.668 112.569 Rupiah


Tabungan 21.707 20.384 20.630 18.853 19.639 19.333 18.756 20.172 19.977 19.704 20.417 20.829 22.054 Saving



Giro 948 981 1.044 1.305 2.202 2.806 2.580 2.228 2.335 2.286 2.083 2.080 1.910 Demand Deposit

Tabungan 13 12 14 18 1.310 880 1.043 1.166 923 1.308 1.107 1.555 1.115 Saving


b. Kewajiban kepada Bank Indonesia 1 1 1 1 1 1 0 0 0 0 0 0 0 b. Liabilities to BI



e. Pinjaman yang Diterima 703 339 337 340 985 1.028 1.026 1.035 1.061 1.083 1.034 1.030 1.310 e. Loans received

Rupiah 703 339 337 340 337 367 359 359 358 350 350 339 621 Rupiah

Valas - - - - 648 661 667 676 703 733 684 692 689 Foreign Exchange

f. Kewajiban Spot dan Derivatif 4 3 3 3 2 2 1 1 1 2 6 1 0 f. Spot and Derivatives Liabilities


Surat Berharga yang dijual dgn janjidibeli kembali/repo)

199 214 197 212 314 347 226 196 171 189 123 222 118 g. Other Liabilities

h. Setoran Jaminan 91 75 85 63 63 60 46 50 55 57 59 64 95 h. Margin Deposits





1)

d. L/R Tahun berjalan sesudah pajak2) 2.014 181 360 572 740 951 1.120 1.232 1.369 1.534 1.607 1.838 1.812 d. Current Earnings (Profit /Loss)

2)


f. Modal Pinjaman 211 436 436 436 436 436 436 436 436 436 437 437 418 f. Loan Capital

Tabel 1.2. Kegiatan Usaha Bank Umum Konvensional - BUKU 1

(Commercial Conventional Banks - Group of Business Activities 1 )


Keterangan Items

Penyaluran Dana


2015

Source of Funds


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2014


a. Kredit Yang Diberikan647.636 644.107 630.684 644.095 514.240 520.050 531.844 533.071 540.882 552.885 551.431 551.850 568.010

a. Credit


Rupiah 454.087 447.560 427.837 440.394 404.528 408.526 419.677 417.910 422.584 433.861 441.953 440.009 454.620 Rupiah



Rupiah 3.115 3.083 2.700 2.678 2.531 2.455 2.518 2.480 2.422 2.653 2.355 2.856 2.827 Rupiah






- Lainnya 1.116 1.273 1.709 1.690 2.332 3.340 3.023 2.675 2.359 2.505 1.970 1.826 2.055 - Others




- Fasbi 25.219 35.660 32.773 40.591 32.781 32.261 25.710 36.392 33.457 35.144 33.524 37.737 26.177 - Fasbi

- Lainnya 1.146 1.081 756 724 1.750 938 14 181 300 1.433 1.844 424 318 - Others


- Sert if ikat Bank Indonesia (SBI) 23.244 23.359 22.344 23.031 19.784 16.377 16.514 14.002 13.447 12.968 10.277 8.687 8.502 - Bank Indonesia Certificates (SBI)

- Surat Perbendaharaan Negara 5.002 3.909 3.913 4.815 3.676 3.583 4.112 3.957 5.849 3.787 4.738 4.502 5.297 - TreasuryBills

- Obligasi 60.241 54.759 58.090 62.152 45.427 44.810 47.019 50.694 55.135 52.267 54.271 51.342 55.518 - Bonds

- Lainnya 21.488 25.104 29.850 26.341 18.355 21.161 23.915 24.070 21.323 23.121 22.307 20.141 17.658 - Others






- Surat Berharga 911 931 952 961 952 977 987 1.002 1.041 1.088 1.017 1.036 27 - Securities

- Lainnya 1.556 1.580 1.596 1.393 1.274 1.284 1.313 1.331 1.364 1.396 1.366 1.384 639 - Others

g. Tagihan Spot dan Derivatif 9.212 10.312 11.077 10.929 5.824 6.340 6.137 6.482 9.703 12.977 7.289 5.970 5.464 g. Spot and Derivatives Claims


Sumber Dana


Rupiah 495.449 506.720 480.117 513.219 498.857 502.018 508.192 503.437 507.431 526.307 522.576 509.272 470.071 Rupiah


Tabungan 110.562 102.340 92.344 91.027 89.067 87.598 85.923 91.298 90.581 90.822 92.406 94.936 110.142 Saving




Tabungan 13.391 14.119 14.057 14.765 7.343 7.178 7.141 7.423 7.796 8.078 7.904 7.813 7.681 Saving






Rupiah 4.617 4.319 4.097 4.693 4.702 4.601 4.429 4.530 4.480 4.607 4.255 4.505 5.127 Rupiah


f. Kewajiban Spot dan Derivatif 10.851 11.682 13.511 14.193 9.600 10.305 10.824 11.763 16.949 22.964 14.879 12.463 12.037 f. Spot and Derivatives Liabilities


Surat Berharga yang dijual dgn janjidibeli kembali/repo)







1)


2)


f. Modal Pinjaman 4.572 4.864 4.900 4.921 5.554 5.588 5.608 5.595 5.694 6.833 6.825 6.850 7.181 f. Loan Capital


(

Commercial Conventional Banks - Group of Business Activities 2

)


Keterangan Items

2015

Penyaluran Dana


Source of Funds


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a. Kredit Yang Diberikan 1.238.494 1.226.333 1.263.467 1.272.843 1.415.863 1.427.380 1.444.348 1.454.177 1.470.332 1.491.066 1.462.253 1.460.885 1.471.184 a. Credit


Rupiah 983.325 973.055 1.008.165 1.019.136 1.069.809 1.077.129 1.096.458 1.099.995 1.108.933 1.124.834 1.133.036 1.137.580 1.155.089 Rupiah



Rupiah 7.241 7.136 7.411 7.494 7.594 7.751 8.085 8.107 8.113 8.062 7.991 7.974 8.239 RupiahValas 1.736 1.878 1.916 3.226 5.077 4.806 3.582 3.715 3.903 1.891 1.116 1.255 2.277 Foreign Exchange




- Deposito Berjangka 445 702 4.213 4.189 5.833 5.501 4.603 4.570 2.884 3.276 2.736 3.121 1.865 - Time Deposits

- Lainnya 3.513 3.951 5.282 4.786 5.892 6.821 6.871 6.207 5.798 5.332 4.908 4.370 4.621 - Others




- Fasbi 22.182 34.585 24.038 34.421 29.487 25.456 26.937 38.174 37.710 40.969 32.459 31.821 33.170 - Fasbi

- Lainnya 1.613 1.533 2.993 1.509 3.032 1.709 1.335 4.537 2.543 4.964 8.088 1.820 6.617 - Others




- Obligasi 90.729 94.031 92.189 97.201 124.366 124.473 126.755 130.252 140.839 137.703 134.072 136.512 143.773 - Bonds

- Lainnya 40.682 49.338 62.495 61.120 67.227 70.167 60.265 57.939 51.174 53.190 47.712 41.070 39.454 - Others




- Kredit yang diberikan23.353 25.061 25.820 26.636 28.211 29.706 30.303 31.544 32.285 34.351 33.163 35.014 35.379

- Credit- Surat Berharga 400 411 419 419 398 405 422 430 493 543 640 681 509 - Securities

- Lainnya 702 707 714 694 777 785 703 714 797 822 823 838 1.185 - Others

g. Tagihan Spot dan Derivatif 7.982 8.760 9.435 9.820 13.146 13.896 13.736 14.781 19.070 23.524 16.426 14.921 13.737 g. Spot and Derivatives Claims


Sumber Dana


Rupiah 997.947 1.006.377 1.053.803 1.063.368 1.127.952 1.135.000 1.126.959 1.119.616 1.132.235 1.152.965 1.144.955 1.147.415 1.150.150 Rupiah


Tabungan 242.866 228.731 237.140 226.272 227.695 227.631 231.433 233.003 234.013 238.265 235.838 239.313 253.848 Saving




Tabungan 40.820 41.979 42.522 42.731 49.458 50.946 51.474 51.346 53.216 65.122 62.665 63.413 62.243 Saving






Rupiah 11.592 11.500 11.290 10.671 11.132 11.135 12.136 13.028 13.031 12.739 11.787 12.757 14.131 Rupiah


f. Kewajiban Spot dan Derivatif 6.441 7.374 8.209 8.939 11.236 12.109 12.143 12.692 17.534 23.041 15.914 14.210 13.700 f. Spot and Derivatives Liabilitiesg. Kewajiban Lainnya (mencakup

Tagihan Akseptasi, dan Tagihan atas









1)


2)





Miliar Rp

Billion Rp)

Keterangan Items

Penyaluran Dana


2015

Source of Funds


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2014


a. K redit Yang Diberikan 1.560.985 1.539.980 1.546.450 1.540.860 1.552.765 1.577.845 1.618.429 1.615.763 1.638.762 1.676.785 1.677.585 1.704.399 1.791.495 a. Credit


Rupiah 1.373.530 1.345.110 1.355.254 1.360.450 1.369.824 1.389.329 1.419.150 1.416.100 1.431.241 1.464.061 1.477.179 1.503.231 1.569.174 Rupiah



Rupiah 7.227 7.036 6.451 5.747 6.068 5.986 6.749 7.843 7.906 8.168 8.213 8.505 8.970 Rupiah

Valas 684 988 821 563 519 493 776 745 1.218 1.216 1.066 648 636 Foreign Exchange





- Lainnya 14 445 12 14 10 109 18 11 166 253 238 1.279 1.724 - Others




- Fasbi 48.473 32.515 56.876 71.788 29.317 28.867 65.608 55.768 27.871 44.174 16.111 10.789 48.061 - Fasbi

- Lainnya 0 0 0 15 0 0 0 0 0 3 2 3 0 - Others




- Obligasi 204.807 212.490 236.715 242.456 236.847 237.142 235.574 242.998 256.510 267.119 266.106 266.377 265.442 - Bonds

- Lainnya 66.022 85.212 93.705 94.137 84.302 67.626 53.983 56.130 54.313 53.634 52.283 45.326 45.861 - Others






- Surat Berharga 807 796 814 822 841 862 871 875 908 933 884 891 899 - Securities- Lainnya 2.354 2.177 2.649 2.615 2.530 2.609 2.508 2.588 2.573 2.685 2.558 2.477 2.572 - Others

g. Tagihan Spot dan Derivatif 281 329 369 471 559 451 771 596 760 736 1.496 963 1.409 g. Spot and Derivatives Claims


Sumber Dana


Rupiah 1.656.503 1.601.577 1.623.004 1.611.233 1.561.689 1.552.064 1.619.876 1.642.537 1.644.285 1.669.237 1.650.929 1.672.516 1.769.768 Rupiah


Tabungan 762.157 725.627 720.404 718.251 718.465 714.669 731.891 749.066 739.282 758.408 754.041 771.107 835.954 Saving




Tabungan 42.524 41.331 41.406 42.151 42.871 42.468 45.129 45.575 48.188 51.585 48.344 48.993 50.241 Saving


b.Kewajiban kepada Bank Indonesia 1.222 1.246 909 912 903 893 898 902 912 923 885 951 543 b. Liabilities to BI




Rupiah 1.186 1.185 1.219 1.077 1.057 1.053 1.052 1.552 1.047 1.047 1.042 1.043 1.045 Rupiah


f. Kewajiban Spot dan Derivatif 1.584 2.020 2.049 2.020 1.859 2.118 2.435 2.563 4.233 6.378 2.562 2.266 1.991 f. Spot and Derivatives Liabilities

g. Kewajiban Lainnya (mencakupTagihan Akseptasi, dan Tagihan atasSurat Berharga yang dijual dgn janji







c. L/R Tahun lalu 1) 160.125 232.167 232.852 212.770 208.015 205.599 205.599 205.456 205.456 205.501 205.501 205.501 204.109 c. Retained Earnings (Profit/Loss) 1)

d. L/R Tahun berjalan sesudah pajak 2) 69.300 6.056 10.466 18.120 22.971 28.717 32.375 38.130 44.494 51.462 57.971 64.824 71.571 d. Current Earnings (Profit /Loss) 2)





Miliar Rp

Billion Rp)

Keterangan Items

Penyaluran Dana


Source of Funds


2015

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2014




Rupiah 25.298 25.186 25.272 19.276 19.360 19.538 19.701 19.349 19.309 19.701 19.947 20.431 17.491 Rupiah

Valas 399 398 405 9 9 8 7 7 7 5 5 4 4 Foreign Exchange

- Kepada Bank Lain 111 104 103 101 100 98 96 95 92 91 90 89 88 - Inter Bank Credit

Rupiah 111 104 103 101 100 98 96 95 92 91 90 89 88 Rupiah

Valas - - - - - - - - - - - - - Foreign Exchange

b. Penempatan pada Bank Lain 1.143 1.019 925 972 1.025 1.101 1.283 1.206 1.266 1.169 1.164 1.135 962 b. Interbank Placement

- Giro 395 371 371 287 305 304 335 305 285 292 293 283 290 - Demand Deposit

- Inter Bank Call Money - - - - - - - - - - - - - - Inter Bank Call Money

- Deposito Berjangka 744 645 552 685 719 796 946 895 980 875 870 850 670 - Time Deposits

- Lainnya 3 3 2 0 1 1 1 6 1 2 1 1 2 - Others



- Fine Tune Operation (FTO) 121 156 196 145 145 148 148 153 155 160 170 130 85 - Fine Tune Operation (FTO)

- Fasbi 4.248 2.793 2.944 1.926 1.683 1.474 1.789 1.293 1.154 1.669 1.381 1.688 2.056 - Fasbi

- Lainnya 112 0 194 0 0 0 7 15 46 0 0 0 0 - Others

d. Surat Berharga 1.126 1.129 1.129 857 866 887 884 915 913 877 826 827 864 d. Securitiess

- Sertifikat Bank Indonesia (SBI) - - - - - - - - - - - - - - Bank Indonesia Certificates (SBI)

- Surat Perbendaharaan Negara - - - - - - - - - - - - - - TreasuryBills

- Obligasi 1.082 1.085 1.085 813 822 833 833 833 816 763 762 762 809 - Bonds

- Lainnya 44 44 44 44 44 54 51 82 97 114 64 64 54 - Others



512 516 555 462 480 458 438 468 531 498 513 501 420 f. Impairment on Financial Assets

- Kredit yang diberikan 497 501 541 448 465 442 422 453 515 482 497 485 396 - Credit- Surat Berharga 7 7 7 7 7 7 7 8 8 8 7 7 15 - Securities

- Lainnya 8 8 7 6 8 8 8 8 9 8 8 9 10 - Others

g. Tagihan Spot dan Derivatif - 0 - - - - - - - - - - - g. Spot and Derivatives Claims

h. Tagihan Lainnya - - 21 - - - - - - 32 29 34 - h. Other claims

Sumber Dana


Rupiah 26.393 25.151 25.245 19.906 20.085 20.150 20.804 20.051 19.828 19.998 19.928 20.680 18.054 Rupiah

Giro 1.357 1.316 1.320 829 881 878 881 772 787 954 828 793 1.134 Demand Deposit

Tabungan 3.336 3.053 2.897 2.658 2.375 2.414 2.620 2.558 2.547 2.619 2.565 2.582 2.124 Saving


Valas 350 336 714 139 151 107 91 70 59 56 51 59 57 Foreign Exchange

Giro 166 173 378 137 149 105 90 68 57 54 49 57 42 Demand Deposit

Tabungan 0 0 0 0 0 0 0 0 0 0 0 0 0 Saving

Simpanan Berjangka 183 163 335 1 1 1 1 1 1 1 1 1 15 Time Deposits

b. Kewajiban kepada Bank Indonesia - - - - - - - - - - - - - b. Liabilities to BI

c. Kewajiban kepada Bank lain 1.476 1.214 1.169 1.135 840 866 855 620 496 429 394 547 933 c. Interbank Liabilities

d. Surat Berharga yang diterbitkan 487 290 100 200 220 205 115 420 180 322 200 35 300 d. Issued Securities

e. Pinjaman yang Diterima 116 116 116 116 116 116 116 116 114 114 114 114 114 e. Loans received

Rupiah 116 116 116 116 116 116 116 116 114 114 114 114 114 Rupiah


f. Kewajiban Spot dan Derivatif 0 0 0 - - - - - - - - - - f. Spot and Derivatives Liabilitiesg. Kewajiban Lainnya (mencakup

Tagihan Akseptasi, dan Tagihan atas



- - 1 - - - - - - - - - - g. Other Liabilities


Beberapa komponen modal -


b. Cadangan 22 22 22 22 22 22 44 48 48 48 48 48 41 b. Reserves

c. L/R Tahun lalu1) 122 367 365 18 17 17 (11) (11) (11) (11) (11) (11) (74) c. Retained Earnings (Profit/Loss)

1)

d. L/R Ta un eraan sesu a paa 265 12 0 6 (3) 24 72 68 31 97 116 160 78 d. Current Earnings (Profit /Loss)2)

e. Tambahan modal disetor 199 200 200 212 213 213 374 374 775 778 778 778 395 e. Additional Paid In Capital

f. Modal Pinjaman - - - - - - - - - - - - - f. Loan Capital

Keterangan Items

Tabel 1.6. Kegiatan Usaha Bank Umum Syariah - BU KU 1

(Commercial Sharia Banks - Group of Business Activities 1 )


2015

Penyaluran Dana


Source of Funds


9

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Rupiah 114.695 112.880 112.554 119.672 119.771 120.311 122.314 121.046 121.117 121.439 121.378 121.415 81.278 Rupiah


- Kepada Bank Lain 369 410 420 439 432 426 478 491 486 474 494 469 307 - Inter Bank Credit

Rupiah 369 410 420 439 432 426 478 491 486 474 494 469 307 RupiahValas - - - - - - - - - - - - - Foreign Exchange




- Deposito Berjangka 273 154 246 199 122 3 3 3 3 39 44 37 434 - Time Deposits

- Lainnya 137 99 105 197 41 163 111 105 97 18 6 24 45 - Others




- Fasbi 13.490 11.074 11.182 10.418 8.337 7.781 4.177 5.265 5.288 6.351 6.720 7.108 5.201 - Fasbi

- Lainnya 1.589 1.013 1.099 1.177 2.592 2.820 2.327 3.667 2.071 3.546 1.866 1.693 3.255 - Others


- Sertifikat Bank Indonesia (SBI) - - - - - - - - - - - - - - Bank Indonesia Certificates (SBI)

(SB/PN) - - - 115 120 169 219 436 439 862 1.488 2.077 98 - TreasuryBills

- Obligasi 7.239 7.238 7.461 8.165 9.009 9.514 9.735 9.743 9.961 10.438 11.596 11.925 8.687 - Bonds

- Lainnya 1.843 2.095 1.862 1.822 2.055 1.933 2.224 1.953 1.968 1.879 1.969 2.001 895 - Others





- Kredit yang diberikan 3.365 3.525 3.530 3.447 3.224 3.385 3.465 3.654 3.871 3.868 3.983 3.962 2.435 - Credit- Surat Berharga 163 163 163 154 156 158 160 159 160 158 159 159 10 - Securities

- Lainnya 30 27 29 15 19 19 18 20 34 38 53 70 23 - Others

g. Tagihan Spot dan Derivatif - - - - - - 0 - 0 0 0 0 - g. Spot and Derivatives Claims

h. Tagihan Lainnya 2.104 1.721 2.138 1.778 1.517 2.453 1.543 1.513 2.433 2.235 1.260 1.503 846 h. Other claims

Sumber Dana


Rupiah 133.157 128.401 126.883 133.023 132.223 131.440 129.311 132.317 132.148 133.732 134.200 134.696 88.131 Rupiah


Tabungan 46.931 45.783 45.390 45.239 45.292 45.737 44.201 45.925 45.999 46.430 46.372 46.950 25.482 Saving




Tabungan 151 153 137 135 132 140 136 142 165 169 149 150 139 Saving






Rupiah 2.136 1.986 1.986 1.986 1.986 1.986 1.986 1.986 1.986 1.986 1.986 1.986 1.836 Rupiah


f. Kewajiban Spot dan Derivatif - - - - - 0 - - 0 - - - - f. Spot and Derivatives Liabilitiesg. Kewajiban Lainnya (mencakup

Tagihan Akseptasi, dan Tagihan atasSurat Berharga yang dijual dgn janji


867 847 834 714 677 689 582 479 397 557 715 717 515 g. Other Liabilities



- -


b. Cadangan 975 975 975 2.045 2.045 2.060 2.060 2.097 2.097 2.097 2.097 2.097 1.807 b. Reserves

c. L/R Tahun lalu1) 3.444 3.902 3.796 3.088 3.056 3.073 3.081 3.033 3.033 3.033 3.033 3.033 (48) c. Retained Earnings (Profit/Loss)

1)

d. L/R Tahun berjalan sesudah pajak2) 437 108 214 272 328 391 300 352 400 431 497 537 306 d. Current Earnings (Profit /Loss)

2)



Penyaluran Dana Distribution of Funds

Source of Funds





Keterangan

Items

2015

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a. Kredit Yang Diberikan - - - - - - - - - - - - 50.865 a. Credit

- Kepada Pihak Ketiga - - - - - - - - - - - - 50.701 - To Third Party

Rupiah - - - - - - - - - - - - 46.212 Rupiah

Valas - - - - - - - - - - - - 4.489 Foreign Exchange

- Kepada Bank Lain - - - - - - - - - - - - 164 - Inter Bank Credit

Rupiah - - - - - - - - - - - - 164 Rupiah


b. Penempatan pada Bank Lain - - - - - - - - - - - - 532 b. Interbank Placement

- Giro - - - - - - - - - - - - 531 - Demand Deposit


- Deposito Berjangka - - - - - - - - - - - - - - Time Deposits

- Lainnya - - - - - - - - - - - - 1 - Others

c. Penempatan pada Bank Indonesia - - - - - - - - - - - - 7.944 c. Placement to Bank Indonesia

- Giro - - - - - - - - - - - - 2.905 - Demand Deposit

- Fine Tune Operation (FTO) - - - - - - - - - - - - 1.900 - Fine Tune Operation (FTO)

- Fasbi - - - - - - - - - - - - 2.863 - Fasbi

- Lainnya - - - - - - - - - - - - 276 - Others

d. Surat Berharga - - - - - - - - - - - - 7.727 d. Securitiess

- Sertifikat Bank Indonesia (SBI) - - - - - - - - - - - - - - Bank Indonesia Certificates (SBI)(SB/PN) - - - - - - - - - - - - 1.941 - TreasuryBills

- Obligasi - - - - - - - - - - - - 4.621 - Bonds

- Lainnya - - - - - - - - - - - - 1.164 - Others

e. Penyertaan - - - - - - - - - - - - 50 e. EquityInvestment



- - - - - - - - - - - - 2.008 f. Impairment on Financial Assets

- Kredit yang diberikan - - - - - - - - - - - - 1.797 - Credit- Surat Berharga - - - - - - - - - - - - 152 - Securities

- Lainnya - - - - - - - - - - - - 59 - Others Claims

Sumber Dana

a. Dana Pihak Ketiga - - - - - - - - - - - - 62.057 a. Third PartyFunds

Rupiah - - - - - - - - - - - - 56.702 Rupiah

Giro - - - - - - - - - - - - 4.340 Demand Deposit

Tabungan - - - - - - - - - - - - 24.984 Saving

Simpanan Berjangka - - - - - - - - - - - - 27.378 Time Deposits

Valas - - - - - - - - - - - - 5.355 Foreign Exchange

Giro - - - - - - - - - - - - 1.490 Demand Deposit

Tabungan - - - - - - - - - - - - 3 Saving

Simpanan Berjangka - - - - - - - - - - - - 3.862 Time Deposits


c. Kewajiban kepada Bank lain - - - - - - - - - - - - 412 c. Interbank Liabilities

d. Surat Berharga yang diterbitkan - - - - - - - - - - - - 500 d. Issued Securities

e. Pinjaman yang Diterima - - - - - - - - - - - - - e. Loans received

Rupiah - - - - - - - - - - - - - Rupiah


f. Kewajiban Spot dan Derivatif - - - - - - - - - - - - - f. Spot and Derivatives Liabilitiesg. Kewajiban Lainnya (mencakup

Tagihan Akseptasi, dan Tagihan atasSurat Berharga yang dijual dgn janji


- - - - - - - - - - - - 264 g. Other Liabilities

h. Setoran Jaminan - - - - - - - - - - - - 59 h. Margin Deposits


a. Modal Disetor - - - - - - - - - - - - 1.989 a. Paid In Capital

b. Cadangan - - - - - - - - - - - - 298 b. Reserves

c. L/R Tahun lalu1) - - - - - - - - - - - - 2.890 c. Retained Earnings (Profit/Loss)

1)

d. L/R Tahun berjalan sesudah pajak2) - - - - - - - - - - - - 250 d. Current Earnings (Profit /Loss)

2)

e. Tambahan modal disetor - - - - - - - - - - - - 50 e. Additional Paid In Capital


Source of Funds




Keterangan

2015

Items

Penyaluran Dana



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A.

A. Interest Income and Interest Expenses

1. 568.014 55.957 103.842 157.866 210.197 262.929 316.317 369.786 425.027 479.007 534.366 588.830 646.614 1.

a. Dari Bank Indonesia 7.816 733 1.377 2.054 2.758 3.412 3.986 4.612 5.237 5.832 6.433 7.036 7.620 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 6.846 595 1.028 1.565 2.282 2.980 3.720 4.445 5.087 5.741 6.476 7.419 8.026 b. From interbank placement

c. Dari surat berharga 37.215 3.891 7.456 11.593 15.216 18.880 22.062 25.389 29.235 32.316 36.046 38.733 42.746 c. From securities

d. Dari Kredit yang diberikan 403.926 39.168 72.320 109.219 145.186 182.371 219.530 257.219 295.286 333.471 372.321 410.687 450.988 d. From credit

- kepada pihak ketiga bukan bank 402.163 38.989 71.984 108.723 144.531 181.559 218.556 256.062 293.949 331.956 370.629 408.827 448.959 - To Third Partynon Bank

- kepada bank lain 1.763 179 336 496 655 812 975 1.156 1.337 1.514 1.692 1.860 2.029 - To other Bank

e. Lainnya 112.211 11.571 21.661 33.435 44.754 55.286 67.020 78.122 90.181 101.646 113.090 124.955 137.234 e Others

2. 293.842 31.017 56.523 85.728 113.797 141.055 168.986 197.112 225.850 253.510 281.714 309.542 338.259 2.

a. Kepada Bank Indonesia 562 38 76 115 153 191 230 268 306 345 400 439 477 a. Bank Indonesia Liabilites

b. Kewajiban pada Bank lain 4.613 426 883 1.359 1.899 2.550 2.963 3.542 3.946 4.475 5.019 5.754 6.486 b. Interbank Liabilities

c. Kepada pihak ketiga bukan Bank 172.936 16.363 31.117 47.542 63.445 79.342 94.761 110.464 126.241 141.555 157.130 172.065 187.208 c. Third Partynon Bank


- Tabungan 24.317 2.106 3.879 5.785 7.596 9.370 11.133 12.983 14.845 16.667 18.553 20.413 22.410 - Saving

- Simpanan Berjangka 135.003 13.094 25.020 38.380 - 64.090 76.488 89.076 101.698 113.883 126.264 138.114 149.940 - Time deposits

d. Surat Berharga 6.993 621 1.229 1.884 2.547 3.196 3.919 4.579 5.284 5.989 6.620 7.283 7.956 d. Securities

e. Pinjaman yang diterima 3.502 533 757 1.048 1.385 1.600 1.906 2.276 2.610 2.941 3.398 3.840 4.334 e. Loans received

f. Lainnya 104.298 10.776 20.255 31.630 42.291 52.189 63.381 74.035 85.569 96.485 107.475 118.561 130.259 f. Others

g. Koreksi atas pendapatan bunga 939 2.259 2.205 2.150 2.078 1.987 1.825 1.948 1.893 1.720 1.672 1.601 1.540 g. Corrections

B. 274.171 24.940 47.319 72.138 96.400 121.874

147.331 172.674 199.177 225.497 252.652 279.288 308.355

B. Net Interest Income (A1-A2)

C

.

C. Other Operating Income and Expenses

1. 148.439 26.696 42.497 57.594 70.915 84.142 93.944 106.578 127.006 149.319 156.961 198.232 210.957 1.

a. Peningkatan Nilai Wajar dan keuntungan 6.306 1.563 2.421 2.552 3.003 3.128 3.398 3.627 3.870 4.095 4.695 5.264 5.584 a. Increase in fair value and gain

penjualan surat berharga form sale of securities

b. Peningkatan Nilai Wajar dan keuntungan 239 1 1 1 1 0 0 0 0 0 0 0 49 b. Increase in fair value and gain

penjualan kredit yang diberikan form sale of creditc. Peningkatan Nilai Wajar dan keuntungan 55 0 8 4 1 0 0 0 0 0 0 0 0 c. Increase in fair value and gain

penjualan aset keuangan lainnya form sale of other financial assets

d. Keuntungan Transaksi Spot dan Derivatif 50.757 10.541 18.931 23.880 28.837 34.884 39.723 44.127 57.958 73.139 73.576 105.535 107.699 d. Gain from spot and derivative transaction

e. Deviden, keuntungan penyertaan equity 54.203 4.256 8.248 13.752 18.602 23.715 28.766 33.417 37.828 42.339 47.042 51.919 57.923 e. Deviden, gain from investment in shares

method, komisi/provisi/fee with equitymethod,fees/comissions/provisions

f. Lainnya 36.879 10.334 12.888 17.405 20.471 22.414 22.056 25.406 27.348 29.746 31.594 35.473 39.702 f Others

2. 278.849 38.744 66.580 92.513 120.252 149.154 177.461 205.314 240.769 278.969 300.286 355.738 386.114 2.

a. Penurunan Nilai Wajar dan kerugian 2.577 414 464 745 1.133 1.317 1.394 1.760 2.027 2.488 2.555 2.614 2.853 a. Decrease in fair value and losses form

penjualan surat berharga sale of securities

b. Penurunan Nilai Wajar dan kerugian 68 9 13 29 40 50 64 75 94 142 141 240 263 b. Decrease in fair value and losses

penjualan kredit yang diberikan form sale of credit

c. Penurunan Nilai Wajar dan kerugian 1 3 0 0 1 77 9 11 15 21 23 27 32 c. Decrease in fair value and losses


d. Kerugian Transaksi Spot dan Derivatif 43.873 10.187 17.466 21.747 26.107 31.694 35.921 40.040 53.004 68.348 65.740 96.712 98.122 d. Losses from spot and derivative transaction

e. Penyusutan/Amortisasi 64.153 13.884 20.108 26.098 33.259 40.935 49.208 57.121 63.190 70.976 78.820 87.415 97.213 e. Depreciation/Amortizations

f. Kerugian penyertaan equitymethod, 3.509 255 527 798 1.050 1.322 1.645 1.867 2.126 2.394 2.641 2.864 3.113 f Losses from investment in shares with

komisi/provisi/fee, administrasi equitymethod, fees/comissions/provisions

g. Lainnya 164.669 14.138 28.001 43.094 58.663 73.758 89.220 104.440 120.312 134.600 150.319 165.866 184.517 g. OthersD. 143.761 12.892 23.236 37.219 47.064 56.862

63.814 73.938 85.414 95.847 109.327

121.782 133.198

D. Operating Profit/loss (A1+C1) - (A2+C2)

E. 25.225 2.131 3.898 5.954 7.505 9.850 12.150 14.465 16.919 20.555 19.378

21.776 24.080

E. Non Operational Income

F.

25.394 2.167 4.082 5.808 7.629 9.621

11.574 13.601 15.401 17.703 19.079

21.365 23.757

F. Non Operational Expenses

G. (169) (35) (185) 146 (124) 230

576 863 1.518 2.852 299 411 323

G. Non Operational Profit (E - F)

H.

143.591 12.856 23.051 37.365 46.940 57.092

64.390 74.802 86.932 98.699 109.626

122.193 133.521

H. Current Year profit

I. 66.264 46 88 11 34 65

87 101 116 127 174 183 66.405

I. Transfser Profit / Loss Received

J. 67.023 56 289 215 361 324 332 401 625 620 644

721 66.967

J. Transfer of Profit/Loss to Head Office

K. 112.160 10.242 18.067 29.630 36.847 44.775 50.843 59.069 68.357 78.205 86.632 96.006 104.628 K. Profit/Loss After Estimation of tax

r) Revised figures

*) Provisional figures

Pendapatan Bunga Bersh (A1-A2)

Pendapatan dan Beban Operasonal Lain

Pendapatan Operasional Selain Bunga Other Operating Income

Beban Operasional Selain Beban Bunga Non Interest Expense

Transfer Laba/Rugi ke Kantor Pusat

Jumlah laba/rugi bers h (setelah taksran pajak

penghaslan)

Tabel 1.9. Laporan Laba / Rugi Bank Umum

(Commercial Banks Income Statements)

Mil iar Rp

Billion Rp)

Keterangan

Items

Pendapatan dan Beban Bunga

Pendapatan bunga Interest Income

Beban Bunga Interest Expenses

2015

r) Angka-angka diperbaiki

*). Angka-angka sementara

Laba/Rugi Operasonal (A1 + C1) - (A2 + C2)

Pendapatan non - operas onal

Beban non - operasonal

Laba/Rugi non-operas onal (E - F)

Laba/Rugi tahun berjalan sebelum pajak

Penerimaan Transfer Laba/Rugi

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A.

A. Interest Income and Interest Expenses

1. 27.485 2.537 4.908 8.399 11.118 12.945 15.666 18.458 21.403 23.885 26.794 29.572 32.469 1.

a. Dari Bank Indonesia 482 60 112 164 239 301 364 421 486 542 594 644 693 a. From Bank Indonesia Placement

b. Dari Penempatan pada bank lain 753 54 111 183 274 369 472 579 665 753 843 929 1.029 b. From interbank placement

c. Dari surat berharga 892 80 160 248 348 449 547 644 745 852 972 1.079 1.198 c. From securities

d. Dari Kredit yang diberikan 16.038 1.434 2.783 4.312 5.854 7.396 8.933 10.516 12.072 13.597 15.243 16.813 18.428 d. From credit

- kepada pihak ketiga bukan bank 15.889 1.423 2.762 4.280 5.811 7.342 8.868 10.439 11.983 13.495 15.130 16.692 18.297 - To Third Partynon Bank

- kepada bank lain 149 11 21 33 43 54 65 77 89 102 113 122 131 - To other Bank

e. Lainnya 9.321 909 1.742 3.493 4.403 4.430 5.350 6.297 7.435 8.142 9.141 10.107 11.121 e Others

2. 18.176 1.767 3.376 6.006 7.807 8.744 10.568 12.431 14.470 16.042 17.927 19.748 21.641 2.

a. Kepada Bank Indonesia 0 0 0 0 0 0 0 0 0 0 0 0 0 a. Bank Indonesia Liabilites

b. Kewajiban pada Bank lain 376 33 59 84 107 135 165 199 224 249 277 302 330 b. Interbank Liabilities

c. Kepada pihak ketiga bukan Bank 8.125 791 1.513 2.334 3.174 4.042 4.878 5.735 6.590 7.403 8.253 9.067 9.876 c. Third Partynon Bank

- Giro 618 44 91 145 215 288 361 432 505 580 656 722 775 - Demand Deposit

- Tabungan 472 47 90 138 187 236 281 330 380 425 478 532 589 - Saving

- Simpanan Berjangka 7.035 700 1.332 2.050 2.772 3.518 4.236 4.974 5.705 6.399 7.119 7.813 8.512 - Time deposits

d. Surat Berharga 202 24 48 72 92 104 132 152 173 192 212 231 251 d. Securities

e. Pinjaman yang diterima 47 2 4 8 11 13 18 20 22 28 30 33 38 e. Loans received

f. Lainnya 9.425 915 1.752 3.509 4.423 4.450 5.375 6.324 7.461 8.169 9.155 10.115 11.145 f. Others

g. Koreksi atas pendapatan bunga 0 2 0 0 0 0 0 0 0 0 0 0 0 g. Corrections

B. 9.309 770 1.532 2.393 3.311 4.202 5.097 6.027 6.933 7.844 8.866 9.825 10.828

B. Net Interest Income (A1-A2)

C

.

C. Other Operating Income and Expenses

1. 1.465 291 256 412 609 753 925 1.049 1.175 1.339 1.555 1.791 2.017 1.

a. Peningkatan Nilai Wajar dan keuntungan 62 11 26 34 46 51 43 45 50 56 87 181 239 a. Increase in fair value and gain

penjualan surat berharga form sale of securities

b. Peningkatan Nilai Wajar dan keuntungan 4 0 1 1 1 - - - - - - - - b. Increase in fair value and gain

penjualan kredit yang diberikan form sale of creditc. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - c. Increase in fair value and gain


d. Keuntungan Transaksi Spot dan Derivatif 24 7 9 10 45 53 62 65 68 75 82 87 97 d. Gain from spot and derivative transaction

e. Deviden, keuntungan penyertaan equity 555 38 81 130 203 259 317 374 424 479 528 573 637 e. Deviden, gain from investment in shares

method, komisi/provisi/fee with equitymethod,

f. Lainnya 820 234 140 236 313 390 503 564 632 729 858 951 1.044 f Others

2. 7.873 849 1.344 1.999 2.856 3.594 4.462 5.238 6.019 6.802 7.831 8.677 9.611 2.

a. Penurunan Nilai Wajar dan kerugian 13 3 3 6 21 30 12 22 33 36 207 280 302 a. Decrease in fair value and losses form

penjualan surat berharga sale of securities

b. Penurunan Nilai Wajar dan kerugian 3 1 1 1 1 - - - - - - - - b. Decrease in fair value and losses

penjualan kredit yang diberikan form sale of credit

c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - c. Decrease in fair value and losses


d. Kerugian Transaksi Spot dan Derivatif 12 11 11 13 13 15 17 18 22 23 25 26 30 d. Losses from spot and derivative transaction

e. Penyusutan/Amortisasi 1.405 353 315 430 666 811 988 1.171 1.359 1.511 1.716 1.873 1.983 e. Depreciation/Amortizations

f. Kerugian penyertaan equitymethod, 39 4 8 12 21 25 31 36 41 46 50 55 60 f Losses from investment in shares with

komisi/provisi/fee, administrasi equitymethod, fees/comissions/provisions

g. Lainnya 6.401 477 1.006 1.536 2.134 2.713 3.413 3.991 4.564 5.185 5.832 6.442 7.236 g. Others

D. 2.901 211 444 806 1.064 1.361 1.561 1.838 2.089 2.381 2.591 2.939 3.235 D. Operating Profit/loss (A1+C1) - (A2+C2)

E. 734 115 229 330 395 515 612 729 929 1.130 976 1.067 1.130

E. Non Operational Income

F. 727 109 227 327 387 510 502 743 932 1.162 1.016 1.109 1.164 F. Non Operational Expenses

G. 8 5 2 4 8 5 111 (14) (3) (32) (40) (42) (34)

G. Non Operational Profit (E - F)

H. 2.908 216 446 809 1.071 1.366 1.672

spi des 2015

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