statistik perbankan-indonesia-agustus-2004

ii

PENJELASAN

1. Data yang digunakan dalam buku Data Perbankan Indonesia bersumber dari Laporan Bulanan

Bank Umum (LBU) yang dilaporkan oleh Bank Umum kepada Bank Indonesia, kecuali dinyatakan

lain.

2. Data Kredit

Data kredit yang ditampilkan merupakan kredit yang tercatat di neraca Bank Umum dan tidak

memperhitungkan penerusan kredit yang tercatat dalam rekening administratif (off balancesheet),

kecuali dinyatakan lain. Cakupan kredit meliputi tagihan kredit kepada penduduk dan non penduduk.

Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel kinerja;

aktiva produktif; NPL (kecuali data NPL penerusan kredit off balancesheet); kegiatan usaha; dan

kredit (kecuali data penerusan kredit off balancesheet ).

3. Data Non Performing

Data Non Performing yang ditampilkan merupakan Non Performing gross, yakni tanpa

memperhitungkan penyisihan yang dibentuk untuk mengantisipasi risiko kerugian.

Data Non Performing ditampilkan dalam nominal dan persentase.

Data yang terkait dengan penjelasan tersebut di atas ditujukan untuk data dalam tabel aktiva produktif;

dan NPL.

4. Lokasi penyaluran kredit

Yang dimaksud dengan lokasi penyaluran kredit adalah lokasi proyek tempat penggunaan kredit.

Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kredit berdasarkan

lokasi penyaluran.

5. 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.

6. Perkiraan Tambahan Modal Disetor

Terdiri dari pos agio; (disagio); modal sumbangan; dan penyesuaian akibat penjabaran laporan

keuangan kantor cabang di luar negeri.

iii

7. Proses Download Data

Data Laporan Bulanan Bank Umum (LBU) yang disampaikan dari bank pelapor kepada Bank Indone-

sia, diolah melalui Sistem Informasi Manajemen Sektor Perbankan Bank Indonesia (SIMSPBI). Perbedaan

waktu download data LBU melalui sistem SIMSPBI dapat menyebabkan perbedaan pada data yang

dipublikasikan dalam publikasi buku ini dengan data publikasi yang lain. Oleh sebab itu, pembaca

dihimbau untuk memperhatikan waktu download data.

Pemrosesan data bulan laporan Agustus 2004 untuk buku Data Perbankan Indonesia Edisi Agustus

2004 dilakukan pada tanggal 29 September 2004.

8. Jumlah Bank Umum Pelapor LBU untuk bulan laporan Juni 2004 sebanyak 135 bank (sudah tidak

termasuk PT ING Indonesia Bank yang dicabut izin usahanya oleh Bank Indonesia pada tanggal 5

Februari 2004 karena self liquidation).

9. Publikasi buku Data Perbankan Indonesia juga dilakukan melalui website Bank Indonesia

(www.bi.go.id).

iv

DAFTAR SINGKATAN

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

PPAPYD Penyisihan Penghapusan Aktiva Produktif yang Dibentuk Bank

PPAPWD Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk

ROA Return on Asset

SIMSPBI Sistem Informasi Manajemen Sektor Perbankan Bank Indonesia

UKM Usaha Kecil Menengah

v

DAFTAR ISTILAH

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 balancesheet 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 dan Simpanan

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 untuk melunasi utangnya setelah jangka waktu tertentu

dengan pemberian bunga, termasuk :

1. Pembelian Surat Berharga nasabah yang dilengkapi dengan Note Purchase

Agreement (NPA)

2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang

Penerusan Kredit Kredit dalam rupiah maupun valas yang disalurkan oleh bank yang dananya berasal

(off balancesheet) dari pihak lain, dan atas penyaluran kredit tersebut bank tidak menanggung resiko.

vi

DAFTAR RASIO

CAR (Modal Inti + Modal Pelengkap) / ATMR

(sesuai SE No.30/2/UPPB tanggal 30 April 1997)

Modal Inti, terdiri dari :

1. Modal Disetor

2. Cadangan tambahan modal, terdiri dari :

a. Faktor penambah, yaitu :

1. Agio

2. Modal sumbangan

3. Cadangan umum modal

4. Cadangan tujuan modal

5. Laba tahun-tahun lalu setelah diperhitungkan pajak

6. Laba tahun berjalan setelah diperhitungkan taksiran pajak (50%)

7. Selisih lebih penjabaran laporan keuangan kantor cabang luar negeri

8. Dana setoran modal

b. Faktor pengurang, yaitu

1. Disagio

2. Rugi tahun-tahun lalu

3. Rugi tahun berjalan

4. Selisih kurang penjabaran laporan keuangan kantor cabang di luar negeri

5. Penurunan nilai penyertaan pada portofolio yang tersedia untuk dijual

Modal Inti diperhitungkan dengan faktor pengurang berupa goodwill

Modal Pelengkap terdiri dari :

1. Cadangan revaluasi aktiva tetap

2. Cadangan umum PPAP (maskimal 1,25% dari ATMR)

3. Modal pinjaman

4. Pinjaman subordinasi (maksimal 50% dari modal inti)

5. Peningkatan nilai penyertaan pada portofolio yang tersedia untuk dijual setinggi-

tingginya sebesar 45%.

Rasio KAP APYD / Total Aktiva Produktif


vii

Rasio ROA Laba Sebelum Pajak dalam 12 bulan terakhir / Rata-rata Aktiva dalam periode yang sama


Rasio BOPO Biaya Operasional dalam 12 bulan terakhir / Pendapatan Operasional dalam periode

yang sama


Rasio KBAB Kewajiban Bersih Antar Bank / Modal Inti

Kewajiban Bersih Antar Bank merupakan selisih antara kewajiban bank dengan tagihan

bank kepada bank lain

(sesuai SE No.30/23/UPPB tanggal 19 Maret 1998)

Rasio LDR Kredit / Dana yang diterima

Dana yang diterima terdiri dari :

1. Giro, deposito dan tabungan masyarakat

2. Pinjaman bukan dari bank yang berjangka waktu lebih dari 3 bulan tidak termasuk

pinjaman subordinasi

3. Deposito dan pinjaman dari bank lain yang berjangka waktu lebih dari 3 bulan

4. Surat berharga yang diterbitkan oleh bank yang berjangka waktu lebih dari 3 bulan

5. Modal inti

6. Modal Pinjaman

(sesuai SE No.30/23/UPPB tanggal 19 Maret 1998)

Rasio NPL (Kredit dalam kualitas Kurang lancar, Diragukan dan Macet) / Total Kredit

Rasio NIM Pendapatan Bunga Bersih / Rata-Rata Aktiva Produktif

Pendapatan Bunga Bersih = Pendapatan Bunga – Beban Bunga

Dalam perhitungan NIM, pendapatan bunga bersih disetahunkan.

(sesuai SE No.3/30/DPNP tanggal 30 April 1997)

viii

DAFTAR TABEL

Topik / Judul No. Tabel

1. Kegiatan Usaha 1.1 s.d 1.7

2. Laporan Laba/Rugi 2.1 s.d 2.7

3. Rekening Administratif 3.1 s.d 3.7

4. Kinerja 4.1 s.d 4.8

5. Aset

a. Perkembangan Aset 5.1

b. Bank Umum Berdasarkan Total Aset 5.2

c. Peringkat Bank Berdasarkan Total Aset 5.3

6. Aktiva Produktif 6.1 s.d 6.7

7. Non Performing Loan (NPL)

a. Pengelompokkan Bank Berdasarkan Rasio NPL 7.1

b. NPL Berdasarkan Sektor Ekonomi 7.2 s.d 7.8

c. NPL Berdasarkan Jenis Penggunaan 7.9 s.d 7.15

d. NPL Penerusan Kredit (off balancesheet) 7.16

8. Dana Pihak Ketiga (DPK)

a. Komposisi DPK 8.1 s.d 8.7

b. Peringkat Bank Berdasarkan DPK 8.8

c. DPK Berdasarkan Lokasi Penghimpunan 8.9 s.d 8.10

d. Deposito Berdasarkan Jangka Waktu Simpanan 8.11

9. Kredit

a. Peringkat Bank Berdasarkan Kredit 9.1

b. Kredit Berdasarkan Sektor Ekonomi 9.2 s.d 9.8

c. Kredit Berdasarkan Jenis Penggunaan 9.9 s.d 9.15

d. Penerusan kredit (off balancesheet) Berdasarkan Sektor Ekonomi 9.16

e. Penerusan kredit (off balancesheet) Berdasarkan

Jenis Kredit dan Golongan Penyalur 9.17

10. Perkembangan Jumlah Bank dan Kantor Bank

a. Perkembangan Jumlah Bank dan Kantor Bank 10.1

b. Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan Wilayah 10.2

1

Kondisi Umum

KONDISI UMUM

KEGIATAN USAHA

Perkembangan kegiatan usaha Bank Umum

pada bulan Agustus menunjukkan adanya beberapa

perubahan yang cukup signifikan. Pada indikator

penghimpunan dana, perubahan yang

mendominasi adalah kenaikan DPK dalam jumlah

yang cukup besar (Rp 9,7 triliun). Sementara pada

indikator penyaluran dana, perubahan yang paling

besar ditunjukkan oleh kenaikan kredit yang

mencapai Rp16,9 triliun (lihat grafik perkembangan

DPK dan Kredit).

sebagai berikut: deposito 3 bulan sebesar Rp 54

triliun, deposito 6 bulan sebesar Rp 23,1 triliun,

deposito 12 bulan sebesar Rp 21,7 triliun dan

deposito > 12 bulan sebesar Rp 4,2 triliun (lihat grafik

komposisi deposito Agustus 2004).

Komposisi DPK pada bulan Agustus

didominasi oleh deposito yaitu sebesar Rp 407,5

triliun ( 44,33%), disusul oleh tabungan sebesar Rp

265,3 triliun (28,86%), dan giro sebesar Rp 246,4

triliun (26,81%). Menurut jangka waktu, jumlah

deposito terbesar berada pada jangka waktu 1 bulan

yaitu mencapai Rp 304,4 triliun (75%). Untuk

deposito dengan jangka waktu lain, berturut-turut

Kegiatan kredit pada bulan Agustus ini

mengalami ekspansi yang cukup besar. Menurut jenis

penggunaan, kenaikan terbesar terjadi pada kredit

modal kerja yang meningkat sebesar Rp 9,9 triliun

dari bulan lalu. Untuk kredit investasi mengalami

kenaikan sebesar Rp 2,2 triliun dan kredit konsumsi

naik sebesar Rp 4,7 triliun (lihat grafik pertumbuhan

kredit menurut jenis penggunaan).

Kredit Investasi untuk properti pada bulan

Agustus tercatat sebesar Rp 3,3 triliun, jumlah ini

naik 11% dibandingkan bulan lalu. Sementara itu,

kredit investasi untuk agrobisnis dan investasi lainnya

masing-masing hanya mengalami kenaikan sebesar

2,4 % dan 1,6 % dibandingkan bulan lalu (lihat grafik

pertumbuhan kredit investasi).

GrafikPerkembangan DPK dan Kredit

2004

milyar Rp

0

200.000

400.000

600.000

800.000

1.000.000

Jan Feb Mar Apr Mei Jun Jul Ags

KreditDPK

GrafikKomposisi Deposito Agustus 2004

75%

13%6% 5% 1%

1 bulan 3 bulan 6 bulan 12 bulan > 12 bulan

2

Kondisi Umum

Kondisi ekspansi kredit yang cukup besar ini

didukung pula dengan non perfoming loan (NPL)

yang semakin kecil. Pada bulan Agustus rasio NPL

terhadap kredit tercatat sebesar 5,82%, angka ini

lebih kecil dibandingkan bulan Juli lalu yang sebesar

6,02%. Selama 3 bulan terakhir perkembangan NPL

terus menunjukkan penurunan yang signifikan (lihat

grafik perkembangan kredit dan NPL)

KINERJA

Kinerja Bank Umum menunjukkan

perkembangan yang stabil. Pada bulan Agustus

tercatat rasio CAR Bank Umum adalah sebesar

20,72% bergeser 0,02 point dibanding bulan lalu

yang sebesar 20,70 % (lihat grafik perkembangan

CAR).

GrafikPertumbuhan Kredit Investasi

GrafikPertumbuhan Kredit - Jenis Penggunaan

milyar Rp

-

50.000

100.000

150.000

200.000

250.000

300.000

2004Kredit Konsumsi Kredit Investasi Kredit Modal Kerja


GrafikPerkembangan Kredit dan NPL

5,00

5,50

6,00

6,50

7,00

PersenMilyar Rp

2004Jan Feb Mar Apr Mei Jun Jul

Kredit

Ket : Grafik menggunakan 2 skala axis yang berbeda

-

100.000

200.000

300.000

400.000

500.000

600.000

NPL Rasio NPL thd Kredit

Ags

GrafikPerkembangan CAR


Properti

Milyar Rp

2004

2.800

2.900

3.000

3.100

3.200

3.300

3.400

Jan Feb Mar Apr Mei Jun Jul

Agrobisnis

Milyar Rp

2004Ags

7.500

8.000

8.500

9.000

9.500

10.000

Investasi Lainnya

Milyar Rp

2004Jan Feb Mar Apr Mei Jun Jul Ags

75.000

80.000

85.000

90.000

95.000

100.000

105.000

PersenMilyar Rp


Modal


ATMR CAR

Ags19,00

20,00

21,00

22,00

23,00

24,00

25,00

0

100.000

200.000

300.000

400.000

500.000

600.000

700.000

3

Kondisi Umum

Indikator kinerja yang masih nampak terus

mengalami perbaikan hingga memasuki bulan

terakhir laporan adalah indikator intermediasi

perbankan dalam rasio LDR. Kenaikan penyaluran

kredit secara kontinyu setiap bulan cukup

memberikan kontribusi positif terhadap peningkatan

rasio LDR. Demikian pula halnya dengan kinerja

rentabilitas dalam rasio ROA, efisiensi dalam rasio

BOPO, dan kualitas aktiva produktif dalam rasio KAP

Di lain pihak, pendapatan bunga/bagi

hasil/marjin dari kredit yang diberikan juga terus

meningkat sejalan dengan meningkatnya jumlah

kredit yang diberikan oleh bank umum. Pada

GrafikPerkembangan Indikator Kinerja Bank Umum

PersenPersen


ROA


Ags0,00

0,501,00

1,50

2,00

2,50

3,00

3,50

4,00

0,00

20,00

40,00

60,00

80,00

100,00

KAP LDR KAP

bulan Agustus pendapatan bunga dari kredit

sebesar Rp 42,8 triliun, naik 15% dari bulan lalu.

Data Perbankan Indonesia - Agustus 2004

7

Penyaluran Danaa. Kredit

RupiahValas

b. Antar BankGiroInter Bank Call MoneyDepositoLainnya

c. Penempatan di BIGiroSBICall MoneyLainnya

d. Surat Berharga (tidak termasuk obligasi rekap)e. Penyertaanf. Tagihan Lainnya

Sumber Danaa. DPK Rupiah

GiroDepositoTabungan

ValasGiroDepositoTabungan

b. Kewajiban kpd BIc. Antar Bankd. Surat Berhargae. Pinjaman yang Diterima

RupiahValas

f. Kewajiban Lainnyag. Setoran Jaminan

Beberapa Komponen Modala. Modal Disetorb. Cadanganc. L/R tahun berjaland. L/R tahun lalue. Perkiraan tambahan modal disetorf. Modal pinjaman

Milyar Rp

2001 2002 Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags

2 0 0 3

316.059 371.058 409.476 417.385 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621203.251 272.689 311.887 319.897 326.947 335.456 340.347 335.952 339.008 345.595 353.747 362.758 376.041 380.330 392.699112.808 98.368 97.588 97.487 99.934 102.789 100.158 102.373 102.036 103.782 105.864 113.468 115.346 113.318 117.922149.354 124.553 103.109 104.704 103.299 103.996 112.183 103.184 102.843 100.171 91.751 108.713 100.208 98.752 97.75914.648 11.233 7.560 6.414 6.288 8.888 7.183 7.260 8.018 9.048 6.541 8.821 8.753 7.136 7.39260.892 52.366 42.721 42.080 44.271 42.500 47.696 48.592 49.621 47.061 41.258 54.064 48.704 45.725 43.48633.717 25.495 22.637 22.441 18.003 17.940 21.552 14.832 13.473 13.699 12.691 12.072 12.387 12.196 12.33040.097 35.459 30.191 33.769 34.737 34.668 35.752 32.500 31.731 30.363 31.261 33.756 30.364 16.271 17.398

134.283 153.760 181.888 193.516 204.776 166.943 188.732 204.331 200.463 192.629 183.520 186.109 192.090 194.805 194.91341.301 45.805 40.351 45.329 55.607 54.250 61.455 46.466 47.054 46.451 45.788 46.085 47.681 67.310 65.08874.296 76.859 127.793 128.172 131.239 100.827 101.374 130.395 136.763 133.238 120.259 106.721 110.610 103.490 110.18016.225 30.443 11.704 14.456 14.892 8.816 18.725 20.553 11.265 11.029 15.673 29.306 27.544 20.360 17.6312.461 653 2.039 5.559 3.038 3.050 7.179 6.917 5.381 1.910 1.800 3.997 6.255 3.645 2.015

33.972 32.931 33.940 37.710 35.812 37.494 34.980 36.626 33.522 34.199 34.028 40.688 44.784 42.497 38.5612.997 5.143 5.906 5.934 6.004 5.933 5.892 5.969 6.002 6.062 6.836 6.912 7.090 7.123 7.169

20.115 11.440 12.511 11.093 13.560 12.313 14.439 12.860 14.719 14.410 15.459 16.593 16.558 15.651 16.267

797.362 835.778 858.031 863.789 879.379 875.422 888.567 886.459 877.107 875.132 872.906 895.117 912.787 909.471 919.251636.153 687.394 716.851 718.609 733.620 726.673 742.619 738.650 730.673 728.191 729.653 741.595 759.629 759.163 766.781119.995 130.238 142.208 147.583 152.586 141.840 150.117 145.598 152.815 154.194 147.440 157.000 163.310 163.593 166.996344.854 364.567 365.600 358.539 362.693 359.531 351.840 350.161 334.828 327.640 331.645 330.720 336.541 333.116 335.141171.304 192.589 209.042 212.487 218.341 225.302 240.663 242.892 243.030 246.356 250.568 253.875 259.779 262.455 264.644161.209 148.384 141.180 145.180 145.759 148.749 145.948 147.809 146.433 146.941 143.253 153.522 153.158 150.308 152.47164.874 65.988 65.737 70.145 70.237 69.180 67.881 70.511 71.028 71.907 69.464 78.569 80.637 78.621 79.41295.051 81.624 74.765 74.311 74.564 78.724 76.993 76.263 74.376 74.046 72.829 73.982 71.506 70.728 72.3771.284 772 678 723 957 845 1.073 1.034 1.030 987 961 971 1.015 958 681

15.324 12.795 11.791 11.474 11.406 11.452 10.938 10.827 10.743 10.635 10.999 11.272 11.028 10.865 10.76293.584 81.349 67.355 70.873 66.038 64.398 68.611 65.116 65.268 68.034 66.096 69.174 65.632 66.022 70.5679.626 4.057 11.048 11.322 12.210 12.401 10.785 10.811 11.379 11.455 11.658 12.267 12.703 12.699 12.977

28.717 13.745 6.730 6.678 6.981 6.960 7.478 7.491 9.719 9.094 8.606 10.268 9.841 9.416 10.0079.672 5.284 5.291 5.219 5.036 5.018 5.082 5.084 5.122 4.773 4.928 5.662 5.880 6.323 6.110

19.045 8.461 1.439 1.459 1.945 1.941 2.396 2.408 4.596 4.322 3.679 4.606 3.961 3.092 3.89622.761 14.237 11.305 11.303 15.257 15.177 16.737 11.119 11.522 10.999 11.728 14.323 15.808 13.044 11.7308.041 5.483 3.832 3.515 3.458 3.461 3.508 3.227 3.112 2.762 2.902 2.862 3.071 2.720 2.770

88.078 96.360 87.213 87.277 87.292 87.714 90.882 91.282 78.351 77.959 78.351 78.114 78.387 78.438 78.5273.325 5.062 7.690 7.729 7.803 5.628 4.784 3.328 3.230 3.503 3.570 5.007 5.036 5.095 5.112

12.204 16.537 15.112 16.712 19.052 19.631 22.875 3.278 5.947 8.501 10.702 13.554 15.967 18.492 20.560-320.064 -307.336 -303.798 -303.768 -308.222 -139.303 -73.113 -24.340 -27.671 -29.336 -32.721 -37.554 -39.735 -41.831 -41.834275.755 276.893 289.464 289.144 293.117 123.734 57.971 36.790 52.664 52.799 53.355 53.203 52.616 52.351 52.671

3.611 3.293 3.174 3.245 3.264 3.240 3.237 3.242 3.232 3.203 3.295 3.355 3.387 3.355 3.400

Tabel 1.1 Kegiatan Usaha Bank Umum

Des Des 2 0 0 4Indikator


8


RupiahValas








RupiahValas



Milyar Rp


2 0 0 3

121.496 150.632 165.712 169.541 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.14183.288 109.704 124.459 127.962 130.246 132.945 134.104 132.826 134.521 138.894 140.447 143.438 148.757 149.972 153.82638.208 40.928 41.252 41.578 42.296 43.874 43.033 43.333 43.298 43.844 44.432 47.891 48.469 48.317 50.31541.528 32.559 25.510 30.979 30.701 29.534 28.119 27.568 29.535 28.810 29.105 29.351 23.536 23.970 21.840

7.772 5.031 2.895 2.786 2.588 3.274 1.810 2.266 2.909 1.817 2.130 3.121 3.201 2.464 2.6299.433 10.493 8.740 12.891 15.188 12.124 11.114 12.504 13.848 15.536 14.875 14.846 10.527 12.121 8.871

12.211 6.206 5.614 6.501 3.204 4.334 5.013 2.760 3.285 2.871 4.035 3.410 3.352 3.360 3.50012.112 10.830 8.261 8.801 9.721 9.802 10.182 10.038 9.493 8.586 8.065 7.974 6.456 6.025 5.37659.221 45.148 48.333 55.542 64.337 40.421 56.762 58.546 60.788 56.052 50.224 48.337 54.152 56.454 57.82519.263 20.830 16.303 21.414 31.172 24.166 31.336 20.600 20.888 20.979 20.059 20.233 19.672 31.941 29.42631.583 7.422 30.333 27.430 30.072 13.073 14.909 30.653 34.434 32.404 28.247 21.069 21.737 16.944 25.038

8.271 16.743 290 3.329 1.719 1.600 5.598 2.728 2.162 1.830 1.304 5.000 7.650 5.150 2.778105 153 1.408 3.369 1.375 1.582 4.918 4.565 3.304 838 613 2.035 5.093 2.418 583

8.527 9.565 9.199 10.869 9.350 10.034 8.728 11.370 8.381 8.679 9.744 11.527 11.703 13.083 12.5521.710 3.748 4.716 4.762 4.794 4.767 4.733 4.789 4.808 4.801 4.808 4.811 4.782 4.787 4.801

11.420 4.629 5.930 4.754 6.640 5.538 7.463 5.713 7.377 7.539 7.950 7.709 7.637 7.136 7.524

364.206 370.542 372.769 374.679 374.810 368.327 368.479 365.553 360.877 359.990 359.504 361.118 365.152 361.013 361.387314.007 323.252 326.942 325.343 326.102 319.060 322.981 321.243 317.573 317.290 317.520 317.518 321.867 318.718 319.25550.780 51.157 57.762 59.058 60.107 58.468 59.839 58.737 61.358 63.301 61.914 65.123 66.373 66.532 66.529

183.582 181.524 169.869 165.404 163.582 155.515 149.656 147.695 141.291 136.443 136.337 131.619 132.482 128.293 127.92779.645 90.571 99.311 100.881 102.413 105.078 113.486 114.811 114.924 117.547 119.268 120.776 123.012 123.893 124.79850.199 47.290 45.827 49.336 48.707 49.267 45.498 44.310 43.305 42.699 41.984 43.600 43.285 42.296 42.13213.408 15.860 17.725 21.345 20.838 20.372 17.297 18.020 17.931 17.522 17.507 19.742 19.955 19.519 19.39536.629 31.372 28.026 27.911 27.778 28.803 28.114 26.205 25.285 25.066 24.352 23.729 23.193 22.626 22.596

162 59 76 81 91 92 88 85 89 111 125 129 137 151 1419.402 7.205 6.469 6.255 6.183 6.217 5.914 5.696 5.721 5.665 6.024 6.298 6.090 5.972 5.935

51.405 49.613 39.037 43.344 37.544 33.787 35.333 32.635 33.306 33.066 32.422 32.154 30.596 29.382 30.5548.360 2.608 7.524 7.565 8.491 8.704 7.124 7.131 7.726 7.766 7.881 8.472 8.406 8.264 8.570

26.373 11.855 4.833 4.774 5.033 5.016 5.537 5.509 7.728 7.564 6.811 8.473 7.927 7.704 8.1548.728 4.546 4.136 4.078 3.868 3.857 3.929 3.897 3.907 3.873 3.738 4.479 4.590 5.042 4.845

17.645 7.309 697 696 1.165 1.159 1.608 1.612 3.821 3.691 3.072 3.993 3.338 2.662 3.30912.904 4.992 4.311 4.421 8.630 8.295 8.676 4.196 4.145 4.050 4.201 4.026 6.448 5.355 3.748

1.183 1.295 1.110 1.072 1.079 1.098 1.312 1.309 1.341 1.346 1.304 1.300 1.333 1.350 1.463

46.335 46.336 36.864 36.864 36.864 36.864 40.136 40.136 27.175 27.175 27.175 27.175 27.175 27.209 27.2271.684 2.807 4.959 4.967 5.038 2.863 2.019 562 577 577 612 1.512 1.880 1.883 1.8804.735 8.061 6.925 6.898 8.596 8.299 11.068 1.568 2.660 3.591 4.443 6.128 7.448 8.347 8.761

-271.405 -267.868 -267.417 -267.378 -271.726 -102.390 -42.837 -6.655 -6.695 -6.504 -9.108 -12.703 -14.282 -14.275 -14.275240.899 244.222 255.611 255.353 259.359 90.695 35.512 10.884 23.374 23.770 23.911 24.392 23.858 23.372 23.613

3.159 2.966 2.898 2.888 2.901 2.904 2.892 2.896 2.897 2.911 2.928 3.005 3.022 2.990 3.019

Tabel 1.2 Kegiatan Usaha Bank Persero



9


RupiahValas








RupiahValas



Milyar Rp

95.580 125.901 144.986 147.476 152.025 155.833 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.92172.254 106.902 124.277 126.760 130.110 133.407 137.791 134.210 135.313 138.599 142.709 148.010 153.993 154.414 159.50723.327 18.999 20.709 20.717 21.916 22.427 22.168 22.054 22.157 21.618 22.563 24.832 25.674 25.054 26.41443.518 36.383 30.902 30.928 30.096 92.923 36.502 33.239 30.167 33.405 27.315 29.989 31.166 30.097 30.0304.431 3.146 2.958 2.374 2.331 3.597 3.605 3.530 3.498 5.797 2.974 3.630 3.696 2.873 3.044

17.235 15.837 12.879 11.389 10.811 12.051 14.196 13.850 11.772 12.042 9.334 10.311 14.687 14.274 13.8612.417 2.138 1.957 1.979 1.939 2.480 3.422 3.229 2.333 3.311 2.438 2.558 2.397 2.733 2.483

19.435 15.263 13.108 15.186 15.015 74.795 15.279 12.630 12.564 12.255 12.569 13.490 10.386 10.217 3.23348.102 74.321 89.882 92.635 90.093 84.155 90.828 99.851 94.105 88.897 83.149 87.579 88.750 91.101 86.72915.110 17.225 16.689 16.456 16.697 20.644 20.274 18.020 17.901 17.638 18.098 18.022 19.533 25.902 26.19527.217 47.576 69.076 71.718 68.364 59.757 62.441 72.435 71.517 67.571 60.620 57.848 60.059 59.722 56.6565.732 9.519 4.117 4.461 5.032 3.755 8.087 9.397 4.688 3.689 4.432 11.578 8.923 5.135 3.588

43 - - - - - 26 - - - - 132 235 342 29120.426 17.301 19.135 21.104 20.015 20.302 19.496 18.256 18.714 18.787 16.467 20.090 20.542 19.660 19.1581.009 929 848 850 887 880 882 892 907 973 1.729 1.740 1.875 1.902 1.9353.037 2.875 3.403 3.309 3.682 3.661 3.985 3.782 3.967 3.683 3.822 4.519 4.717 4.460 4.550

290.576 321.110 329.000 332.011 340.881 349.865 360.536 358.398 351.941 353.903 351.873 361.450 372.690 373.439 377.677242.029 272.090 280.221 282.947 291.942 298.676 309.848 306.916 302.172 302.439 303.658 310.482 319.953 322.630 326.76236.677 42.553 42.349 45.573 48.167 45.152 51.153 48.130 51.898 51.974 47.806 52.151 54.982 53.712 55.655

125.120 140.505 141.620 139.433 142.326 148.156 148.832 147.021 138.362 137.638 140.542 141.699 145.211 147.363 148.58280.232 89.032 96.252 97.941 101.450 105.368 109.863 111.765 111.911 112.827 115.310 116.632 119.760 121.556 122.52448.547 49.021 48.780 49.064 48.939 51.189 50.688 51.482 49.770 51.464 48.215 50.968 52.737 50.809 50.91624.304 24.944 25.533 26.155 26.113 26.306 27.160 28.526 28.196 30.487 27.467 29.876 32.235 31.124 30.82524.238 24.069 23.236 22.899 22.815 24.871 23.516 22.943 21.560 20.960 20.728 21.072 20.478 19.659 20.064

5 8 10 11 11 11 12 12 14 17 19 20 23 25 275.148 4.925 4.676 4.559 4.569 4.581 4.379 4.484 4.382 4.374 4.371 4.372 4.346 4.311 4.250

22.960 14.449 11.692 11.541 11.010 12.098 13.687 12.888 14.243 16.965 15.805 16.221 15.330 16.353 17.602546 664 1.913 2.166 2.138 2.135 2.098 2.113 2.091 2.093 2.178 2.202 2.346 2.484 2.497904 754 906 895 913 909 905 904 846 563 852 815 939 945 1.084531 394 795 793 810 806 803 801 769 484 773 769 892 899 896373 360 112 102 103 103 102 103 77 78 79 46 47 46 187

4.905 4.360 4.713 4.529 4.066 4.237 4.010 4.214 4.586 4.485 5.189 6.412 5.874 5.027 5.0446.537 3.894 2.255 2.069 1.971 1.881 1.699 1.512 1.314 959 1.175 1.064 1.168 737 624

1.168 1.168 1.16827.519 33.345 33.935 33.944 33.954 34.274 34.274 34.297 34.258 33.991 34.258 34.260 34.402 34.404 34.404

796 1.089 1.178 1.200 1.200 1.200 1.200 1.200 1.030 1.232 1.264 1.730 1.311 1.311 1.3133.315 3.366 4.326 5.016 5.726 6.399 6.988 816 1.728 2.618 3.374 4.237 5.100 5.980 6.954

-42.912 -37.833 -35.391 -35.427 -35.430 -35.598 -28.631 -21.602 -24.873 -26.116 -26.361 -27.010 -27.005 -28.472 -28.40134.379 31.035 31.302 31.248 31.230 30.552 22.978 23.376 26.740 26.463 26.831 26.294 26.264 26.460 26.501

169 155 155 155 155 155 155 155 155 155 155 170 170 170 170

Tabel 1.3 Kegiatan Usaha BUSN Devisa

Des Des


2 0 0 3 2 0 0 4Indikator


10


RupiahValas








RupiahValas



Milyar Rp

9.748 11.574 13.012 13.425 13.897 14.370 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.0789.748 11.574 13.012 13.425 13.897 14.370 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078

- - - - - - - - - - - - - - -950 1.006 1.382 1.440 1.560 1.726 1.557 1.758 1.511 1.371 1.275 1.230 1.174 1.425 1.270

47 46 49 59 50 51 62 48 55 50 43 48 52 51 51238 287 130 235 155 322 251 340 363 391 408 387 397 630 476143 270 216 164 164 156 186 168 56 20 28 22 25 26 24522 403 987 982 1.191 1.197 1.058 1.202 1.037 910 796 773 700 718 34

3.181 4.414 4.156 3.550 3.407 3.053 3.703 3.252 2.827 2.989 3.150 3.313 3.744 3.909 3.936707 881 1.023 1.015 1.002 1.175 983 977 958 945 923 903 983 1.055 1.134

1.968 2.512 2.539 2.143 1.963 1.479 1.908 1.739 1.490 1.724 1.761 1.638 2.133 1.947 1.917377 1.021 593 392 434 393 809 526 376 313 443 732 643 873 853129 - - - 8 6 3 9 2 8 23 40 14 34 31860 1.428 2.416 2.620 3.081 3.116 3.033 2.993 1.897 1.721 1.642 1.634 1.512 1.483 1.398

14 14 16 16 16 16 16 16 17 17 17 17 17 17 17212 24 99 242 235 231 221 248 158 152 151 160 145 123 61

13.808 17.050 19.307 19.096 19.506 19.509 19.989 19.446 17.967 18.007 17.744 17.791 18.255 18.920 19.11413.808 17.050 19.307 19.096 19.506 19.509 19.989 19.446 17.967 18.007 17.744 17.791 18.255 18.920 19.114

1.352 1.433 1.477 1.573 1.668 1.619 1.718 1.734 1.755 1.848 1.900 1.933 1.848 1.955 2.02410.690 13.866 15.845 15.573 15.832 15.913 16.271 15.611 14.157 14.095 13.805 13.865 14.279 14.832 14.949

1.766 1.751 1.985 1.950 2.006 1.977 2.000 2.101 2.054 2.065 2.039 1.993 2.128 2.133 2.142- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

193 159 187 203 203 203 215 215 215 243 253 253 252 250 249641 581 375 692 943 1.116 1.194 1.669 699 626 503 580 352 355 300101 92 440 417 417 417 417 417 409 426 426 420 420 420 420102 85 79 80 82 81 81 80 79 79 78 77 76 74 73102 85 79 80 82 81 81 80 79 79 78 77 76 74 73

- - - - - - - - - - - - - - -490 337 200 243 208 223 173 186 189 176 209 353 312 248 261

3 2 4 4 3 3 2 3 3 3 3 2 2 2 3

2.208 1.872 2.109 2.110 2.099 2.103 2.137 2.138 2.059 2.055 2.055 2.055 2.152 2.152 2.161104 100 102 103 104 104 104 104 104 104 106 106 113 113 113273 327 347 395 455 515 471 35 111 160 222 274 314 363 417

-347 -84 70 62 54 53 49 528 489 470 470 464 429 427 42659 15 69 70 68 49 47 49 22 25 32 26 22 23 2381 56 56 106 106 106 106 106 56 56 56 56 69 69 63

Tabel 1.4 Kegiatan Usaha BUSN Non Devisa

Des Des

Milyar Rp


2 0 0 3 2 0 0 4Indikator


11


RupiahValas








RupiahValas



Milyar Rp

15.396 21.498 27.438 28.295 28.997 29.362 28.348 29.292 29.899 30.891 31.825 32.772 33.658 34.387 35.14815.373 21.486 27.423 28.278 28.981 29.346 28.332 29.276 29.883 30.872 31.807 32.754 33.639 34.359 35.125

23 12 15 17 16 16 16 16 16 17 18 18 19 27 2419.099 20.347 17.579 16.196 14.926 13.425 14.914 10.896 9.281 9.479 8.105 7.967 9.191 8.476 8.780

704 2.281 1.050 726 682 917 672 675 748 671 576 592 722 813 911651 1.103 1.164 977 794 744 726 940 844 738 693 596 1.097 773 848

16.734 16.257 14.521 13.472 12.377 10.687 12.609 8.369 6.803 7.180 5.856 5.778 6.338 5.782 6.0181.011 706 844 1.021 1.073 1.077 907 912 886 890 980 1.001 1.034 1.108 1376.594 10.026 18.565 17.402 18.930 15.246 14.931 15.041 16.735 15.937 15.259 14.891 17.011 17.217 18.5592.032 2.693 2.733 2.816 2.766 3.454 3.360 2.567 2.466 2.585 2.403 2.454 2.778 3.048 3.2283.026 5.571 12.799 10.417 11.270 8.700 7.224 7.633 9.951 10.648 8.896 7.476 10.120 9.914 11.305

862 1.262 2.404 1.979 3.248 1.656 2.124 2.904 2.283 1.676 2.882 3.316 3.239 3.459 3.435675 499 630 2.189 1.646 1.437 2.222 1.937 2.036 1.028 1.078 1.646 874 796 590198 420 407 860 904 1.384 1.315 1.447 1.395 1.217 1.719 2.094 2.224 2.285 2.39445 46 12 12 12 12 12 12 12 12 12 12 12 12 1243 - - - - 2 9 11 2 3 4 5 4 3 4

36.968 45.758 57.785 56.931 57.613 52.454 51.695 50.015 50.778 50.688 50.062 50.942 55.023 54.866 56.69636.938 45.717 57.499 56.883 57.565 52.407 51.638 49.879 50.695 50.581 49.957 50.822 54.901 54.664 56.60022.769 25.750 30.979 30.574 30.696 26.628 26.452 24.830 25.679 25.249 24.118 23.938 27.134 26.791 29.019

7.011 10.970 17.401 16.942 17.125 15.592 12.536 13.432 13.729 14.119 14.568 15.366 15.801 15.874 15.3277.158 8.998 9.118 9.367 9.744 10.188 12.650 11.617 11.287 11.214 11.270 11.517 11.967 11.999 12.254

30 41 286 48 48 47 57 136 83 107 105 121 122 202 9516 23 271 32 32 30 40 118 65 86 85 93 95 176 7614 17 15 15 16 17 17 18 18 21 20 28 27 26 20

- - - - - - - - - - - - - - -581 506 460 457 451 450 429 432 357 353 350 349 340 333 329

2.106 1.968 2.247 1.883 1.906 1.710 2.433 1.680 1.891 2.164 2.082 2.124 1.983 1.933 2.367569 674 1.172 1.174 1.164 1.146 1.146 1.149 1.153 1.171 1.173 1.173 1.531 1.531 1.490296 258 280 267 276 275 269 305 336 337 339 336 323 309 296296 258 280 267 276 275 269 305 336 337 339 336 323 309 296

- - - - - - - - - - - - - - -1.884 2.131 745 691 785 998 2.314 967 795 813 612 608 762 752 1.115

26 12 34 40 43 41 53 41 32 27 30 37 51 68 78

3.306 3.940 4.341 4.394 4.411 4.509 4.571 4.748 4.760 4.774 4.813 4.849 4.882 4.897 4.915277 409 659 667 669 669 670 670 698 718 716 788 861 916 924

1.098 1.805 1.319 1.519 1.713 1.851 1.732 300 548 747 955 1.181 1.363 1.612 1.845-1.271 -939 -369 -335 -431 -455 -474 1.612 1.554 1.372 1.189 776 245 -118 -126

6 4 4 4 4 4 1 12 27 36 43 6 6 6 859 71 64 96 102 75 83 84 74 80 106 123 126 125 148

Tabel 1.5 Kegiatan Usaha BPD

Des Des


2 0 0 3 2 0 0 4Indikator


12


RupiahValas








RupiahValas



Milyar Rp

29.162 25.111 24.304 24.465 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.7854.990 5.273 5.553 6.039 5.883 6.002 6.519 6.278 6.325 5.991 6.162 6.214 6.580 7.138 7.558

24.172 19.838 18.751 18.426 18.959 19.345 18.456 19.055 18.670 19.114 19.423 20.776 20.974 20.522 21.2277.267 4.774 5.052 4.889 5.051 4.586 4.384 5.442 5.667 5.211 4.428 6.693 6.767 5.546 5.2231.135 504 416 274 400 455 488 458 598 481 472 962 649 632 4834.268 2.892 2.684 2.207 2.452 2.267 2.821 3.974 4.090 3.450 2.767 4.428 4.045 2.499 2.870

748 241 266 260 297 284 321 305 323 306 334 305 276 263 2511.117 1.137 1.686 2.148 1.902 1.580 754 705 656 974 855 998 1.797 2.152 1716.646 9.237 8.309 9.751 10.755 9.142 8.965 10.645 10.335 10.961 11.194 11.124 10.340 10.331 9.5231.245 1.398 1.031 1.080 1.151 1.332 2.229 1.186 1.242 1.250 1.276 1.312 1.390 1.517 1.4084.668 6.700 6.403 7.819 8.640 7.252 5.864 7.422 8.481 9.072 9.173 8.170 7.800 7.189 6.183

638 1.139 875 852 963 544 861 1.633 611 638 740 1.641 1.149 1.624 1.93195 - - - - 14 10 405 1 1 5 1 1 1 1

883 1.470 856 757 826 976 726 719 736 872 956 1.096 1.154 1.109 1.067200 234 214 213 213 190 180 180 180 181 192 183 256 256 257

2.729 1.349 1.381 1.297 1.350 1.279 1.266 1.380 1.512 1.671 1.840 1.965 1.979 1.965 1.926

23.366 21.417 19.974 21.319 22.627 21.911 21.827 23.488 24.084 24.195 24.089 26.649 26.714 26.086 26.5966.689 7.388 7.746 8.412 9.893 8.860 8.719 9.930 9.724 10.154 9.978 10.829 11.153 10.246 10.5832.194 2.609 2.182 2.731 2.878 2.227 2.314 2.686 2.426 2.455 2.420 3.208 3.320 3.379 3.2814.295 4.642 5.379 5.503 6.703 6.418 6.167 6.973 7.044 7.440 7.289 7.305 7.547 6.539 6.947

200 136 186 178 312 215 238 271 253 259 268 316 285 327 35516.677 14.030 12.228 12.907 12.734 13.051 13.108 13.558 14.361 14.041 14.111 15.820 15.561 15.841 16.014

7.676 6.635 6.234 6.639 6.510 6.524 6.624 6.317 7.162 6.455 7.156 8.366 8.194 8.475 5.2288.524 7.265 5.845 6.122 6.066 6.363 6.285 7.045 6.997 7.370 6.741 7.233 7.127 7.143 7.786

477 130 149 147 158 164 199 196 201 216 215 221 240 223 -- - - - - - - - - - - - - - -

9.869 8.354 8.425 8.408 8.867 8.378 8.108 8.806 8.102 9.027 9.292 10.393 10.745 10.571 10.137- - - - - - - - - - - - - - -

1.043 792 630 662 677 679 685 693 673 552 527 566 576 384 40015 - - - - - - - - - - - - - -

1.028 792 630 662 677 679 685 693 673 552 527 566 576 384 400577 511 461 400 407 287 284 336 333 404 327 608 461 376 298

77 39 26 27 35 34 32 25 29 31 36 54 46 43 40

8.110 8.645 7.743 7.743 7.743 7.743 7.543 7.743 7.743 7.743 7.743 7.554 7.554 7.554 7.599464 657 792 792 792 792 792 792 792 872 872 872 872 872 883

1.505 494 687 752 842 910 939 95 150 242 261 380 458 518 610-3.634 -2.731 -1.776 -1.776 -1.776 -1.776 -1.916 -812 -827 -1.145 -1.156 -1.037 -1.045 -1.025 -1.091

432 1.480 1.485 1.485 1.485 1.483 1.484 1.484 1.483 1.486 1.483 1.481 1.481 1.481 1.481143 45 - - - - - - - - - - - - -

Tabel 1.6 Kegiatan Usaha Bank Campuran

Des Des

Milyar Rp


2 0 0 3 2 0 0 4Indikator


13


RupiahValas








RupiahValas



Milyar Rp


2 0 0 3

44.677 36.341 34.023 34.183 34.578 36.513 35.560 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.54717.598 17.750 17.162 17.434 17.830 19.386 19.075 18.523 17.813 16.781 17.200 17.899 18.586 19.748 21.60627.078 18.591 16.861 16.749 16.748 17.127 16.485 17.915 17.888 19.189 19.428 19.952 20.211 19.397 19.94236.992 29.484 22.684 20.271 20.964 21.803 26.708 24.282 25.328 21.895 21.424 33.483 28.374 29.238 30.616

560 225 192 196 238 594 546 282 205 232 346 468 432 303 27429.067 21.756 17.125 14.382 14.871 14.992 18.588 16.984 18.084 14.905 13.181 23.497 17.951 15.427 16.5601.463 384 63 63 22 - - - 50 10 - - - 32 535.902 7.119 5.304 5.630 5.833 6.217 7.574 7.016 6.989 6.748 7.897 9.518 9.991 13.476 8.448

10.538 10.614 12.643 14.636 17.255 14.925 13.544 16.996 15.643 17.792 20.537 20.864 18.093 15.795 18.3422.945 2.779 2.573 2.547 2.820 3.480 3.271 3.115 3.570 3.054 3.022 3.162 3.355 3.846 3.6965.834 7.076 6.643 8.645 10.930 10.565 9.027 10.514 10.890 11.819 11.561 10.520 8.762 7.775 9.081

345 759 3.425 3.444 3.496 869 1.245 3.366 1.145 2.883 5.872 7.039 5.939 4.119 5.0461.415 1 2 1 9 11 - 1 38 36 81 143 37 54 5193.078 2.746 1.926 1.501 1.636 1.682 1.682 1.841 2.299 2.923 3.439 4.247 7.649 4.877 1.992

18 171 101 81 81 69 69 79 79 79 79 150 150 150 1492.675 2.563 1.698 1.491 1.652 1.601 1.495 1.726 1.702 1.363 1.691 2.235 2.077 1.964 2.202

68.436 59.900 59.195 59.753 63.942 63.356 66.041 69.560 69.243 68.349 68.722 77.166 74.954 75.147 77.78122.681 21.898 25.137 25.928 28.611 28.161 29.444 31.236 30.346 29.719 29.884 34.153 33.501 33.987 34.4676.222 6.735 7.460 8.075 9.070 7.746 8.640 9.481 9.657 9.368 9.267 10.647 9.652 11.224 10.487

14.157 13.061 15.487 15.684 17.125 17.937 18.377 19.429 18.248 17.906 18.221 20.867 21.221 20.215 21.4082.302 2.102 2.190 2.170 2.417 2.477 2.427 2.326 2.440 2.445 2.395 2.640 2.627 2.547 2.571

45.755 38.002 34.058 33.824 35.330 35.195 36.597 38.323 38.897 38.630 38.839 43.013 41.453 41.161 43.31419.470 18.527 15.974 15.974 16.743 15.948 16.761 17.531 17.670 17.357 17.250 20.493 20.158 19.327 20.88925.646 18.901 17.643 17.365 17.890 18.671 19.062 20.052 20.502 20.630 20.988 21.920 20.681 21.275 21.912

639 575 442 485 697 576 774 740 725 643 601 600 615 559 513- - - - - - - - - - - - - - -

6.603 6.385 5.578 5.005 5.767 7.308 7.856 7.438 6.947 6.187 5.952 7.703 6.626 7.428 9.60751 19 - - - - - - - - - - - - -

- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

2.002 1.907 874 1.020 1.161 1.136 1.280 1.220 1.361 1.071 1.188 2.317 1.951 1.287 1.265215 202 403 303 328 405 409 337 394 396 355 405 470 519 562

601 2.221 2.221 2.221 2.221 2.221 2.221 2.221 2.219 2.221 2.221 2.221 2.221 2.221 2.221- - - - - - - - - - - - - - -

1.278 2.484 1.508 1.700 1.720 1.656 1.677 466 760 1.142 1.446 1.353 1.283 1.673 1.975-496 2.120 1.085 1.085 1.085 862 696 2.588 2.624 2.587 2.200 1.957 1.923 1.633 1.633-21 138 993 984 971 951 950 985 1.012 1.019 1.049 1.005 985 1.009 1.045

- - - - - - - - - - - - - - -

Tabel 1.7 Kegiatan Usaha Bank Asing



14

A. Pendapatan operasional1. Pendapatan bunga/bagi hasil/margin

Penduduka. Dari Bank ndonesiab. Dari bank-bank lainc. Dari pihak ketiga bukan bank

Surat berhargaKredit yang diberikanLainnya

Bukan penduduka. Kantor Pusat/Cabang sendiri di luar Indonesiab. Dari bank-bank lainc. Dari pihak ketiga bukan bank


2. Kenaikan nilai surat berharga3. Keuntungan Transaksi valuta asing/derivatif4. Deviden, komisi/provisi/fee5. Lainnya

B. Beban operasional1. Beban bunga/bagi hasil

Penduduka. Kepada Bank Indonesiab. Kepada bank-bank lainc. Kepada pihak ketiga bukan bank

GiroSimpanan berjangkaTabunganPinjaman yang diterimaSurat berhargaLainnya

Bukan penduduka. Kantor Pusat/Cabang sendiri diluar Indonesiab. Kepada bank-bank lainc. Kepada pihak ketiga bukan bank


Koreksi atas pendapatan bunga2. Kerugian transaksi valas/derivatif3. Komisi/provisi4. Penyusutan/amortisasi/penghapusan5. Lainnya

C. Laba OperasionalD. Pendapatan non-operasionalE. Beban non operasionalF. Laba non operasionalG. Laba tahun berjalanH. Laba ( setelah taksiran pajak penghasilan )

Milyar Rp


2 0 0 3

152.435 160.604 134.216 147.331 158.745 178.553 146.675 13.989 26.605 38.522 50.731 63.728 75.802 97.009 101.005128.356 133.835 84.301 94.155 104.216 113.119 115.818 9.761 18.610 28.261 37.442 46.653 56.429 65.533 74.929121.083 129.807 82.445 92.085 102.060 110.707 113.443 9.486 18.201 27.647 36.619 45.483 55.156 64.434 73.60522.615 23.880 9.048 10.038 11.104 11.969 12.486 958 1.887 2.837 3.708 4.533 5.352 5.972 6.7338.508 7.196 3.854 4.257 4.762 5.113 5.199 541 954 1.420 1.812 2.179 2.742 3.456 3.896

89.960 98.731 69.543 77.790 86.194 93.625 95.757 7.988 15.359 23.390 31.099 38.771 47.062 55.006 62.97747.963 47.692 29.043 32.041 34.900 37.505 37.584 2.658 5.204 7.674 10.105 12.483 14.826 17.269 19.56741.337 50.055 40.100 45.317 50.762 55.596 57.635 5.279 10.056 15.556 20.778 25.999 31.845 37.260 42.867

660 985 400 432 532 525 538 51 100 160 215 290 391 477 5427.273 4.029 1.856 2.070 2.156 2.411 2.375 274 410 614 823 1.171 1.273 1.099 1.3243.720 1.784 868 960 1.078 1.193 1.162 103 199 307 422 547 615 292 3192.812 1.524 703 795 797 915 911 137 149 223 294 405 481 574 705

741 721 284 314 281 304 303 34 61 84 107 219 176 232 300197 456 127 149 149 160 142 14 29 43 57 77 89 137 187256 130 134 139 108 119 147 17 21 35 41 113 71 77 78288 134 23 26 24 24 14 2 11 7 9 29 16 18 35477 3.208 3.596 3.832 3.600 4.459 4.192 359 1.362 1.549 1.901 1.220 1.394 1.793 2.929

9.934 10.553 35.758 37.569 37.266 46.682 11.466 1.900 3.435 4.003 5.392 8.000 8.325 18.541 11.3206.017 8.023 6.148 7.037 7.872 8.546 8.978 832 1.748 2.577 3.480 4.329 5.432 6.438 7.4867.651 4.984 4.412 4.738 5.784 5.747 6.221 1.137 1.450 2.132 2.515 3.526 4.209 4.704 4.340

150.162 151.542 120.598 133.201 141.654 162.340 130.243 14.445 24.947 35.302 45.084 55.918 65.940 73.743 85.17790.498 90.941 52.099 57.217 62.200 66.836 66.320 4.515 8.306 12.271 16.104 20.024 24.386 28.118 32.20581.850 86.771 50.008 54.957 60.275 64.617 64.193 4.341 7.979 11.760 15.403 18.806 22.931 26.800 30.697

812 693 431 494 594 715 737 56 109 165 222 278 338 356 4415.275 5.277 2.023 2.242 2.190 2.439 2.534 250 444 630 793 1.019 1.211 1.491 1.754

75.762 80.801 47.554 52.221 57.492 61.463 60.922 4.035 7.426 10.965 14.388 17.509 21.382 24.953 28.5027.154 6.945 4.259 4.755 5.246 5.690 5.682 432 823 1.267 1.681 2.099 2.525 2.973 3.362

51.317 56.106 31.377 34.251 37.013 39.435 39.017 2.264 4.114 5.982 7.776 9.561 11.414 13.272 15.07913.983 15.054 9.860 10.854 11.883 12.888 12.616 992 1.836 2.728 3.603 4.463 5.371 6.304 7.2411.225 571 338 375 488 285 266 31 62 82 100 117 146 187 212

499 437 306 375 835 948 1.109 124 228 327 438 333 681 807 9601.583 1.689 1.415 1.611 2.026 2.218 2.232 191 363 579 790 936 1.245 1.411 1.6488.527 4.132 2.063 2.230 1.896 2.190 2.103 170 319 500 686 1.180 1.050 778 8723.997 2.072 1.031 1.097 1.211 1.314 1.306 104 199 310 422 519 620 303 3263.768 1.508 607 664 501 560 475 49 93 148 197 346 330 365 420

763 552 424 470 185 315 322 17 27 42 67 316 99 110 12624 16 11 11 12 15 15 1 2 2 3 4 5 6 850 66 49 53 56 64 56 4 8 10 13 18 20 23 266 18 18 12 13 16 12 - 1 1 2 3 3 3 6

114 25 4 4 43 159 178 9 12 20 39 48 55 59 66467 340 297 340 9 9 8 - 1 2 3 234 4 4 4102 87 46 49 51 52 54 2 4 6 7 9 11 15 16121 38 27 30 28 29 24 3 7 11 15 38 406 540 635

6.116 5.932 34.370 36.027 35.350 44.946 10.033 1.820 3.194 3.668 4.672 7.366 8.017 7.375 9.947891 806 418 479 573 615 719 56 84 121 155 216 266 334 397

24.322 23.428 12.395 15.224 15.723 17.508 16.973 5.402 7.787 9.980 11.644 12.595 14.090 15.738 17.16228.335 30.435 21.316 24.254 27.808 32.435 36.198 2.652 5.576 9.262 12.509 15.717 19.181 22.178 25.466

2.273 9.062 13.618 14.130 17.091 16.213 16.432 -456 1658 3220 5.647 7.810 9.862 23.266 15.82863.931 64.673 34.865 38.566 41.462 45.486 51.671 7.130 10.561 14.940 17.972 23.457 27.759 29.227 34.04650.461 51.825 28.481 31.247 34.207 36.510 39.729 2.590 4.917 7.675 10.440 14.441 17.225 28.700 22.96713.470 12.848 6.384 7.319 7.255 8.976 11.942 4.540 5.644 7.265 7.532 9.016 10.534 527 11.07915.742 21.910 19.982 21.653 24.554 25.388 28.853 4.120 7.354 10.485 13.178 16.826 20.397 23.793 26.91012.204 16.538 15.112 16.712 19.052 19.631 22.875 3.278 5.947 8.501 10.702 13.554 15.967 18.492 20.560

Tabel 2.1 Laporan Laba / Rugi Bank Umum

Des Des 2 0 0 4


15


Penduduk a.Dari Bank ndonesia 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

B. Beban operasional1. Beban bunga/bagi hasil Penduduk a.Kepada Bank Indonesia b.Kepada bank-bank lain c.Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga Lainnya Bukan penduduk a.Kantor Pusat/Cabang sendiri diluar Indonesia b.Kepada bank-bank lain c.Kepada pihak ketiga bukan bank Giro Simpanan berjangka Tabungan Pinjaman yang diterima Surat berharga LainnyaKoreksi atas pendapatan bunga2. Kerugian transaksi valas/derivatif3. Komisi/provisi5. Lainnya

C. Laba OperasionalD. Pendapatan non-operasionalE. Beban non operasionalF. Laba non operasionalG. Laba ( setelah taksiran pajak penghasilan )

Milyar Rp

72.468 77.706 74.966 80.059 86.292 100.959 62.802 5.854 11.097 16.187 21.124 26.722 32.137 46.777 41.92163.855 66.090 40.940 45.665 50.579 54.450 52.184 4.586 8.578 13.166 17.347 21.544 26.287 30.200 34.42359.487 63.493 39.716 44.295 49.191 52.892 50.739 4.419 8.318 12.770 16.816 20.738 25.452 29.645 33.7912.916 4.324 2.038 2.214 2.432 2.568 2.378 194 398 615 803 963 1.138 1.152 1.3052.210 2.020 1.217 1.371 1.600 1.778 1.577 243 400 595 787 922 1.227 1.792 1.987

54.361 57.149 36.461 40.710 45.159 48.545 46.785 3.982 7.520 11.560 15.227 18.853 23.088 26.702 30.50036.127 34.894 18.780 20.711 22.556 24.074 22.950 1.609 3.141 4.569 5.963 7.343 8.693 10.100 11.36318.160 22.043 17.612 19.914 22.503 24.359 23.747 2.357 4.356 6.950 9.222 11.467 14.338 16.528 19.056

74 212 69 85 100 111 88 16 23 41 41 42 57 73 814.368 2.597 1.224 1.370 1.388 1.558 1.445 167 260 396 531 806 835 555 6322.580 1.354 750 834 942 1.050 1.012 96 186 284 381 504 569 244 2831.189 586 262 308 266 313 250 49 42 65 87 146 162 194 223

600 657 212 227 180 196 183 22 32 48 63 156 104 117 126152 397 65 69 56 60 30 4 8 12 16 26 27 30 36196 126 126 134 103 113 140 16 20 30 39 108 63 71 72252 134 21 24 21 23 12 2 4 6 8 22 15 16 18120 2.622 2.162 2.278 1.861 2.507 1.943 137 576 514 555 188 340 375 1.406

1.821 4.173 28.346 28.164 28.721 38.907 3.701 149 509 529 756 1.659 1.416 11.371 1.5501.737 2.516 1.773 2.072 2.280 2.475 2.345 263 592 797 1.099 1.369 1.695 2.003 2.3524.935 2.305 1.745 1.879 2.844 2.620 2.628 720 843 1.181 1.368 1.962 2.385 2.828 2.190

75.186 76.343 69.559 75.104 79.700 96.187 58.297 7.777 13.207 18.120 22.283 26.815 31.598 34.736 39.09747.588 47.549 26.783 29.423 31.921 34.360 31.689 2.332 4.163 6.097 7.939 9.832 12.023 13.598 15.53542.245 45.086 25.329 27.801 30.683 32.881 30.348 2.207 3.924 5.731 7.440 8.868 10.868 12.613 14.384

375 351 168 191 262 358 359 28 55 85 116 146 179 170 2303.039 3.193 840 945 782 898 844 128 203 269 329 427 467 610 695

38.830 41.542 24.320 26.665 29.639 31.625 29.145 2.050 3.666 5.376 6.995 8.296 10.221 11.833 13.4603.057 2.919 1.377 1.892 2.120 2.308 2.081 206 375 564 750 946 1.139 1.343 1.500

27.298 29.324 16.331 17.755 19.101 20.270 18.638 1.060 1.866 2.691 3.441 4.169 4.877 5.588 6.2796.524 7.298 4.750 5.237 5.735 6.219 5.515 499 894 1.324 1.748 2.154 2.593 3.037 3.496

597 486 288 316 427 219 193 27 54 69 83 96 119 150 171161 123 74 90 503 563 671 77 136 196 253 105 403 484 580

1.193 1.393 1.201 1.375 1.754 2.047 2.046 181 341 533 719 826 1.090 1.231 1.4345.239 2.453 1.447 1.613 1.230 1.471 1.340 125 236 365 499 946 772 469 5412.432 1.188 682 762 847 924 889 79 151 232 310 388 471 136 1572.238 868 426 466 289 334 237 35 68 106 142 268 232 259 301

568 397 340 385 94 213 214 12 17 26 46 290 69 74 834 5 6 7 7 8 7 - 1 1 2 2 3 3 4

13 25 25 29 29 32 20 2 4 4 5 7 8 8 10- 13 13 9 9 10 5 - - - - 1 1 - 1

84 14 - - 39 154 174 9 11 19 37 46 54 58 64466 340 296 339 8 9 8 - 1 2 2 234 3 3 3

1 - - 1 1 - - - - - - - - 2 1104 10 7 9 7 8 1 - 3 2 1 17 383 515 610416 1.191 27.955 27.698 28.022 38.483 3.557 147 538 597 633 1.692 2.122 1.516 1.590292 251 108 133 180 200 228 17 16 20 28 41 52 71 90

26.786 27.342 14.706 17.841 19.570 23.136 22.822 5.281 8.487 11.404 13.682 15.233 17.018 19.036 21.272

-2.718 1.363 5.407 4.955 6.592 4.772 4.505 -1.923 -2.110 -1.933 -1.159 -93 539 12.041 2.82411.425 15.656 5.708 6.438 6.720 8.146 11.085 4.103 5.420 6.678 7.318 9.477 11.055 9.731 11.4903.461 6.877 2.066 2.327 2.728 2.532 2.875 205 302 685 1.057 2.191 2.516 11.466 2.9007.964 8.779 3.642 4.111 3.992 5.614 8.210 3.898 5.118 5.993 6.261 7.286 8.539 (1.735) 8.590 4.735 8.061 6.925 7.330 8.596 8.299 11.068 1.568 2.660 3.591 4.443 6.128 7.448 8.347 8.761

Tabel 2.2 Laporan Laba / Rugi Bank Persero

Des Des


2 0 0 3 2 0 0 4


16


Penduduka.Dari Bank ndonesiab.Dari bank-bank lainc.Dari pihak ketiga bukan bank

Surat berhargaKredit yang diberikan Lainnya

Bukan penduduka.Kantor Pusat/Cabang sendiri di luar Indonesiab.Dari bank-bank lainc.Dari pihak ketiga bukan bank




Penduduka.Kepada Bank Indonesiab.Kepada bank-bank lainc.Kepada pihak ketiga bukan bank

GiroSimpanan berjangka

Tabungan Pinjaman yang diterima Surat berharga Lainnya

Bukan penduduka.Kantor Pusat/Cabang sendiri diluar Indonesiab.Kepada bank-bank lainc.Kepada pihak ketiga bukan bank


Koreksi atas pendapatan bunga2. Kerugian transaksi valas/derivatif3. Komisi/provisi5. Lainnya


Milyar Rp

49.821 52.267 35.717 39.664 43.688 47.766 52.125 4.055 7.944 12.108 16.039 20.012 24.182 28.260 32.31544.625 45.964 29.108 32.416 35.772 39.056 42.438 3.380 6.524 9.822 13.108 16.365 19.633 22.979 26.29942.754 45.129 28.718 31.977 35.287 38.528 41.862 3.332 6.429 9.677 12.908 16.125 19.352 22.623 25.88216.119 15.376 4.873 5.427 5.965 6.435 6.965 529 1.023 1.490 1.915 2.320 2.726 3.130 3.5183.278 1.776 827 894 1.010 1.103 1.248 103 162 246 312 402 456 524 585

23.357 27.978 23.018 25.656 28.312 30.991 33.648 2.700 5.244 7.941 10.681 13.403 16.170 18.969 21.77910.762 11.605 9.115 10.066 10.978 11.938 12.939 944 1.868 2.827 3.769 4.670 5.558 6.456 7.39012.244 15.975 13.862 15.548 17.291 19.010 20.660 1.753 3.370 5.095 6.876 8.667 10.510 12.401 14.265

350 398 40 42 42 43 49 3 5 19 36 66 102 112 1241.871 835 390 440 485 528 576 48 96 145 199 240 281 357 4171.122 421 115 123 132 140 147 7 13 22 40 43 45 47 33

645 363 226 252 276 305 335 30 61 90 116 144 172 201 231104 51 48 65 77 83 94 11 21 33 43 53 64 109 15344 47 46 62 74 81 92 10 21 31 41 51 61 106 15060 5 1 1 1 1 1 - - 1 1 1 1 1 -

- - 1 2 2 1 2 - 1 1 1 1 2 2 2350 526 1.282 1.378 1.564 1.796 2.074 103 210 383 466 307 318 604 645697 859 1.059 1.119 1.150 1.342 1.309 80 109 203 262 502 706 779 854

2.143 3.210 2.610 2.956 3.296 3.573 3.900 339 678 1.021 1.349 1.658 2.141 2.546 2.9522.005 1.707 1.657 1.794 1.906 1.999 2.404 153 423 680 855 1.180 1.384 1.352 1.564

47.558 49.776 31.843 35.459 38.635 42.069 45.890 3.468 6.113 9.558 12.693 15.729 19.128 22.247 25.17932.600 32.476 18.584 20.369 22.147 23.777 25.343 1.584 2.947 4.399 5.805 7.243 8.725 10.259 11.73830.341 31.474 18.310 20.078 21.838 23.452 24.996 1.568 2.920 4.347 5.725 7.152 8.626 10.152 11.641

354 277 219 254 279 300 317 23 44 67 89 110 131 154 1751.207 1.150 732 802 876 943 1.024 77 152 241 298 385 476 559 653

28.781 30.047 17.358 19.021 20.683 22.209 23.655 1.468 2.724 4.039 5.338 6.657 8.020 9.439 10.8132.667 2.373 1.513 1.670 1.830 1.980 2.127 141 269 422 560 692 828 972 1.106

18.535 20.549 11.191 12.224 13.221 14.144 15.021 873 1.587 2.321 3.050 3.804 4.579 5.401 6.1866.654 6.814 4.458 4.893 5.357 5.770 6.154 419 801 1.198 1.586 1.974 2.377 2.797 3.209

602 54 29 31 35 38 40 3 5 7 9 12 14 15 18166 125 110 140 166 197 228 29 55 73 106 129 154 182 211156 132 57 63 73 79 85 4 8 17 27 46 67 72 83

2.254 990 273 289 309 325 346 15 28 53 80 90 99 107 971.125 421 115 122 132 139 146 7 13 29 47 50 52 54 40

961 441 96 102 108 113 118 6 9 14 20 25 29 31 33167 128 62 65 69 73 81 3 6 10 13 15 18 21 2410 7 2 2 3 3 3 - - - 1 1 1 1 122 20 9 10 11 12 16 1 1 2 3 3 4 4 45 4 3 3 3 4 6 - 1 1 1 1 2 2 2

28 10 4 4 4 4 4 - 1 1 1 1 1 2 2- - - - - - - - - 1 1 1 1 1 1

101 87 44 46 48 49 51 2 3 5 7 8 10 11 135 12 1 1 1 - - - - - - - - - -

299 723 863 890 905 1.001 1.029 62 83 117 164 312 453 516 552407 409 166 180 204 210 260 17 26 35 35 58 67 78 93

14.247 16.156 12.229 14.019 15.378 17.081 19.258 1.805 3.057 5.007 6.689 8.116 9.883 11.394 12.796

2.263 2.491 3.874 4.205 5.053 5.697 6.235 587 1.831 2.550 3.346 4.283 5.054 6.013 7.13645.640 42.013 24.958 27.529 29.834 32.260 35.037 2.572 4.439 6.959 9.220 11.596 14.046 16.407 18.86143.305 40.032 23.642 25.923 28.267 30.620 33.286 2.175 4.152 6.258 8.355 10.593 12.729 14.950 17.3252.335 1.981 1.316 1.606 1.567 1.640 1.751 397 287 701 865 1.003 1.317 1.457 1.5363.315 3.367 4.326 5.016 5.726 6.399 6.988 816 1.728 2.618 3.374 4.237 5.100 5.980 6.954

Tabel 2.3 Laporan Laba / Rugi BUSN Devisa

Des Des


2 0 0 3 2 0 0 4


17














Milyar Rp

3.025 3.732 2.693 3.028 3.366 3.697 4.002 324 614 928 1.233 1.537 1.832 2.127 2.3862.823 3.478 2.456 2.764 3.077 3.385 3.673 301 566 846 1.113 1.408 1.664 1.935 2.1822.823 3.478 2.456 2.764 3.077 3.385 3.673 301 560 846 1.113 1.403 1.664 1.935 2.168

440 458 245 263 278 291 306 15 26 38 51 67 76 90 105169 178 104 117 133 149 168 13 33 41 53 65 77 88 100

2.214 2.842 2.108 2.384 2.666 2.945 3.199 273 500 766 1.010 1.272 1.511 1.757 1.962312 415 300 339 385 431 477 34 61 86 109 131 153 174 193

1.897 2.412 1.734 2.042 2.277 2.510 2.717 239 438 679 900 1.139 1.357 1.582 1.7675 16 73 3 4 4 4 - 1 1 1 2 2 1 2 - - - - - - - - 6 - - 5 - - 15 - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - 6 - - 5 - - 15 - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - 6 - - 5 - - 15 - 34 82 85 87 85 87 4 9 20 37 26 44 47 341 - - - - - - - - - - - - - -

66 82 64 73 82 90 98 8 17 27 35 44 53 62 70135 138 91 106 120 135 145 11 22 36 46 58 70 82 99

2.736 3.347 2.330 2.609 2.884 3.150 3.426 289 502 759 998 1.232 1.474 1.709 1.9281.870 2.444 1.558 1.721 1.881 2.028 2.157 137 235 353 465 584 701 824 9321.869 2.443 1.556 1.718 1.878 2.025 2.152 135 231 344 452 564 679 800 907

12 13 9 10 11 13 14 2 3 5 6 8 10 12 1446 58 41 44 48 55 63 10 9 13 17 20 23 25 26

1.811 2.373 1.506 1.664 1.819 1.957 2.075 124 219 327 428 535 646 763 868120 117 69 75 83 90 97 6 12 19 25 32 40 47 53

1.444 1.995 1.298 1.425 1.557 1.674 1.769 100 173 258 336 419 506 598 679155 158 96 108 119 126 134 9 17 26 35 43 52 61 70

7 5 3 7 4 5 5 - 1 1 1 2 2 3 368 85 35 42 49 56 62 6 13 19 26 32 39 46 5318 13 5 6 7 7 8 1 3 4 5 6 8 9 9 - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - 1 2 2 3 3 5 2 4 8 13 20 22 24 25- - - - - - - - - - - - - - -

33 4 3 4 4 5 6 1 2 3 4 5 5 6 7833 898 767 882 996 1.114 1.258 149 261 395 516 623 746 855 964

289 385 363 419 482 547 576 35 112 169 235 305 358 418 458788 864 532 585 641 575 614 42 83 129 171 205 243 286 344711 806 502 555 605 537 580 35 72 111 149 194 238 286 32477 58 30 30 36 38 34 7 11 18 22 11 5 - 20

273 327 346 395 455 515 471 35 111 160 222 274 314 363 417

Tabel 2.4 Laporan Laba / Rugi BUSN Non Devisa

Des Des

Milyar Rp


2 0 0 3 2 0 0 4


18















Milyar Rp

5.961 8.599 6.099 6.921 7.748 8.528 9.120 772 1.537 2.337 3.095 3.867 4.690 5.542 6.3875.516 8.131 5.724 6.487 7.251 7.983 8.511 705 1.401 2.126 2.821 3.526 4.278 5.027 5.788

504 8.122 5.715 6.481 7.244 7.976 8.503 704 1.399 2.123 2.821 3.524 4.271 5.023 5.768770 1.084 680 781 884 975 1.044 83 164 258 337 413 507 593 686

1.710 2.759 1.416 1.538 1.680 1.737 1.823 73 136 202 237 281 351 373 4243.025 4.280 3.619 4.161 4.680 5.264 5.637 548 1.100 1.662 2.247 2.830 3.413 4.058 4.658

354 164 79 99 118 145 163 18 32 52 72 95 126 150 1942.656 4.096 3.525 4.047 4.495 5.104 5.464 530 1.059 1.609 2.170 2.733 3.281 3.899 4.462

15 20 15 15 67 15 10 1 9 1 5 2 6 9 311 8 9 6 7 7 8 1 1 3 - 3 7 4 20 - - - - - - - - - - - - - - - - 8 2 2 2 2 2 - - - - - - - 15

11 - 7 4 4 5 6 1 1 3 - 3 7 4 5 - - - - - - - - - - - - - - - - - 7 4 4 5 6 1 1 3 - 3 7 4 5

11 - - - - - - - - - - - - - -- - 7 7 12 12 21 1 1 2 4 4 9 23 456 1 - - - - - - - - - 1 1 1 1

191 254 197 227 257 281 309 24 49 82 114 146 179 217 251249 213 171 200 226 252 278 44 86 127 155 189 223 273 302

4.661 6.626 4.723 5.331 5.953 6.570 7.205 456 952 1.538 2.076 2.604 3.255 3.833 4.423

2.288 3.744 2.703 3.027 3.319 3.568 3.764 201 419 657 868 1.079 1.332 1.554 1.8002.286 3.744 2.698 3.026 3.318 3.562 3.764 201 418 657 868 1.079 1.332 1.554 1.796

72 53 35 39 41 43 46 3 6 8 11 14 18 21 23179 238 106 123 132 142 157 9 18 26 33 41 51 59 72

2.035 3.454 2.557 2.865 3.145 3.377 3.560 189 395 623 824 1.024 1.263 1.475 1.701620 1.058 729 819 899 964 1.002 51 112 179 235 290 350 411 473800 1.604 1.225 1.366 1.496 1.599 1.688 66 145 233 312 394 499 580 668464 614 471 526 578 622 655 57 107 159 206 257 306 358 40817 19 13 15 16 17 21 1 2 3 4 5 9 17 18

101 104 87 103 118 132 148 12 25 39 52 60 78 89 10933 55 32 36 39 43 46 1 4 11 14 18 21 20 242 - 5 1 1 6 - - - - - - - - 3 - - - - - - - - - - - - - - -2 - - - 1 - - - - - - - - - - - - 5 - - 6 - - - - - - - - 3 - - 1 - - 1 - - - - - - - - 1- - 2 - - 3 - - - - - - - - -- - 1 - - 2 - - - - - - - - 2- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -4 1 - - - - - - - - - - - - -

13 6 8 8 8 10 12 1 2 3 4 5 6 9 102.356 2.875 2.012 2.296 2.626 2.992 3.429 254 531 878 1.204 1.520 1.917 2.270 2.613

1.300 1.973 1.376 1.590 1.795 1.958 1.915 316 585 799 1.019 1.263 1.435 1.709 1.9641.963 2.957 1.923 2.122 2.331 2.508 2.690 152 314 479 646 811 1.014 1.192 1.3741.795 2.827 1.793 1.994 2.183 2.374 2.495 130 284 443 595 752 915 1.093 1.271

168 130 130 128 148 134 195 22 30 36 51 59 99 99 1031.098 1.806 1.319 1.519 1.713 1.851 1.732 300 548 747 955 1.181 1.363 1.612 1.845

Tabel 2.5 Laporan Laba / Rugi BPD

Des Des


2 0 0 3 2 0 0 4


19














Milyar Rp

6.197 4.745 2.709 3.059 3.370 3.638 3.895 325 649 995 1.297 1.718 2.046 2.390 2.7513.956 3.273 1.842 2.053 2.281 2.493 2.662 218 429 663 891 1.137 1.389 1.655 1.9233.697 3.164 1.790 1.995 2.218 2.425 2.592 213 418 647 869 1.110 1.355 1.613 1.875

919 1.060 561 621 689 749 760 60 123 188 255 316 371 408 456283 150 108 131 142 141 153 12 23 38 52 74 148 129 155

2.496 1.954 1.121 1.244 1.387 1.534 1.679 141 272 421 561 720 836 1.077 1.264267 61 44 49 54 60 71 7 13 20 28 36 41 74 88

2.091 1.727 985 1.091 1.220 1.350 1.475 125 241 370 487 616 701 882 1.028138 166 93 104 114 124 134 10 18 30 46 68 95 121 148259 109 52 58 64 69 70 6 11 17 22 27 34 41 48

- - - - - - - - - - - - - - -233 104 49 55 60 65 66 5 10 16 21 26 33 40 4626 5 3 3 3 3 4 - 1 1 1 1 1 1 11 5 3 3 3 3 3 - - - - - - - - - - - - - - - - - 1 1 1 1 1 1

25 - - - - - - - - - - - - - -1 - 1 1 1 1 1 - - - - - - - -

1.620 939 427 485 522 544 583 67 106 160 202 306 333 362 408448 369 277 313 348 378 417 36 80 120 160 201 246 292 335171 163 163 206 218 222 233 4 35 51 44 74 78 82 85

5.064 4.097 2.030 2.295 2.545 2.729 3.089 236 458 732 1.002 1.378 1.656 1.890 2.1322.196 1.372 755 840 923 1.009 1.068 83 162 254 345 456 577 687 8041.622 1.165 662 735 810 884 935 73 144 223 305 400 502 607 711

- - - - - - - - - - - - - - -346 271 141 155 172 186 194 14 27 43 62 87 116 144 175

1.276 895 521 579 638 698 741 59 117 180 243 312 386 463 535158 137 89 98 107 115 123 9 17 24 32 39 48 58 66935 687 373 417 463 510 539 45 90 138 182 227 273 319 36435 38 26 26 27 28 29 1 2 3 4 5 5 7 72 7 4 5 6 6 7 1 1 2 2 2 2 2 22 - - - - - - - - - - 1 - 1 1

144 26 29 34 36 40 43 4 7 13 24 39 58 77 96574 207 93 105 113 125 133 9 18 31 40 56 75 80 93

3 1 1 1 1 1 1 - - - - - - - -559 196 83 94 101 112 119 8 16 28 36 51 69 73 8512 9 9 10 11 12 13 1 2 3 4 5 6 7 87 2 1 1 1 1 1 - - - - 1 1 1 13 6 6 7 8 8 9 1 1 2 3 3 4 5 6 - - - - - - - - - - - - - - -1 - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - 2 2 2 2 2 - - 1 1 1 1 1 2- - - - - - 1 1 1 1 - - - - -

949 755 267 304 318 327 347 38 57 88 96 184 202 242 26786 37 22 25 29 31 34 3 5 10 14 16 20 24 27

1.833 1.933 986 1.126 1.275 1.362 1.639 111 233 379 547 722 857 937 1.034

1.133 648 679 764 825 909 806 89 191 263 295 340 390 500 619826 554 379 368 435 451 590 44 25 97 116 264 336 300 340165 231 115 104 101 104 112 11 16 33 45 108 125 100 133661 323 264 264 334 347 478 33 9 64 71 156 211 200 207

1.505 494 687 752 842 910 939 95 150 242 261 380 458 518 610

Tabel 2.6 Laporan Laba / Rugi Bank Campuran

Des Des

Milyar Rp


2 0 0 3 2 0 0 4


20















Milyar Rp

14.964 13.556 12.033 14.601 14.284 13.966 14.731 2.659 4.717 5.968 7.918 9.873 10.916 11.913 15.2447.582 6.899 4.231 4.770 5.256 5.750 6.351 571 1.068 1.639 2.138 2.672 3.178 3.736 4.3156.818 6.420 4.050 4.573 5.043 5.501 6.074 518 1.033 1.586 2.067 2.582 3.062 3.594 4.1221.451 1.579 651 732 856 950 1.034 78 153 247 348 455 534 599 664

859 312 183 206 197 204 231 96 191 298 371 435 485 551 6454.508 4.529 3.216 3.636 3.990 4.347 4.809 344 688 1.041 1.348 1.693 2.044 2.443 2.814

141 553 725 778 809 856 985 46 87 120 164 207 255 315 3404.289 3.802 2.382 2.676 2.976 3.263 3.572 276 558 854 1.098 1.377 1.658 1.968 2.288

78 174 110 182 205 227 253 22 43 67 86 109 130 160 186764 480 181 197 213 249 277 53 36 53 70 90 116 142 19219 9 3 4 4 3 3 - - 1 1 1 2 2 2

746 462 164 178 192 230 258 53 35 53 69 88 114 139 190- 8 14 15 17 16 16 - - - - - - 1 1 - 8 14 15 17 16 16 - - - - - - 1 1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 26 63 83 75 59 66 116 565 630 839 694 683 744 798

5.789 4.581 5.926 7.799 6.873 5.889 5.872 1.605 2.711 3.110 4.173 5.534 5.868 6.028 8.5061.431 1.592 1.227 1.395 1.609 1.749 1.908 163 332 531 721 910 1.118 1.318 1.527

157 458 586 554 472 519 533 204 41 57 47 63 69 87 99

14.957 11.354 10.113 12.402 11.937 11.635 12.337 2.218 3.655 4.595 6.003 8.161 8.829 9.329 12.4193.957 3.356 1.714 1.838 2.009 2.093 2.299 178 338 511 661 830 1.028 1.196 1.3953.486 2.857 1.454 1.598 1.748 1.813 1.998 158 301 459 593 743 924 1.074 1.257

- 1 - - - - - - - - - - - - -457 367 163 171 180 216 251 13 28 39 48 58 78 94 133

3.029 2.490 1.290 1.427 1.568 1.597 1.746 145 273 420 545 685 846 980 1.125532 341 182 201 207 233 252 18 38 59 79 100 121 143 164

2.306 1.947 958 1.064 1.175 1.240 1.362 120 222 342 440 547 680 786 903151 132 59 63 67 122 130 7 13 19 25 31 37 44 50

- - - - - - - - - - - - - - -- - - - - - - - - - - 6 6 5 5

39 69 90 98 118 2 3 - - 1 1 1 2 2 2459 482 244 222 243 263 284 20 37 52 68 87 104 122 138436 462 234 212 232 250 270 19 35 49 64 81 97 114 129

7 2 1 1 1 1 2 - - - - 1 1 1 116 19 8 9 10 11 13 1 2 3 4 5 6 7 83 3 1 1 1 2 3 - - 1 1 1 1 1 1

12 15 7 7 8 9 10 1 2 2 3 4 5 6 61 1 - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

12 16 17 17 17 17 17 - - - - - - - -4.449 3.262 5.286 7.135 6.105 5.134 5.099 1.573 2.516 2.866 3.778 5.178 5.239 5.100 7.538

60 100 111 128 147 160 179 17 33 51 71 92 116 145 1716.479 4.620 2.985 3.284 3.659 4.231 4.743 450 768 1.167 1.493 2.061 2.446 2.888 3.315

7 2.202 1.920 2.199 2.347 2.331 2.394 441 1.062 1.373 1.915 1.712 2.087 2.584 2.8253.288 2.630 1.364 1.525 1.502 1.544 1.657 218 250 599 496 1.104 1.066 1.311 1.6371.024 1.053 362 344 323 343 380 33 65 145 239 604 701 805 1.0132.264 1.577 1.002 1.181 1.179 1.201 1.277 185 185 454 257 500 365 506 6241.278 2.485 1.509 1.700 1.720 1.656 1.677 466 760 1.142 1.446 1.353 1.283 1.673 1.975

Tabel 2.7 Laporan Laba / Rugi Bank Asing

Des Des


2 0 0 3 2 0 0 4


21

Tagihan KomitmenFasilitas pinjaman yang belum ditarikPosisi pembelian spot yang masih berjalanLainnya

Kewajiban KomitmenFasilitas kredit kepada nasabah yang belum ditarikFasilitas kredit kepada bank lain yang belum ditarikIrrevocable L/C yang masih berjalanPosisi penjualan spot yang masih berjalanLainnya

Tagihan KontinjensiGaransi yang diterimaPendapatan bunga dalam penyelesaianLainnya

Kewajiban KontijensiGaransi yang diberikanLainnya

LainnyaPenerusan KreditAktiva produktif yang dihapus bukukan

Milyar Rp

34.565 16.294 15.719 29.822 25.693 23.265 21.895 41.213 42.903 35.072 34.587 33.310 26.180 31.091 40.7966.466 4.106 2.704 2.687 2.776 2.825 3.336 2.962 3.278 2.976 2.931 3.224 3.052 3.507 7.3428.002 10.159 12.375 26.486 22.224 19.575 17.630 35.093 38.858 31.490 30.642 29.066 21.970 25.927 32.227

20.097 2.028 641 648 693 865 928 3.159 767 605 1.014 1.020 1.159 1.657 1.227

120.215 112.930 135.873 142.954 144.284 143.081 137.921 164.928 168.264 167.349 173.842 174.569 173.285 183.927 192.16070.548 81.076 107.158 100.954 106.709 106.542 102.997 113.794 113.192 118.961 124.036 125.975 127.602 135.356 133.9711.026 181 245 215 156 190 148 195 190 192 259 183 165 205 208

16.752 17.194 15.432 16.906 16.025 16.910 17.363 17.107 18.579 18.277 20.458 20.713 21.561 22.256 22.9827.462 9.225 9.935 21.855 18.596 16.587 14.657 30.900 33.253 26.699 27.643 25.995 23.297 25.268 34.029

24.427 5.254 3.103 3.024 2.798 2.852 2.757 2.932 3.050 3.221 1.446 1.702 659 842 971

23.088 36.262 27.524 28.905 24.764 29.104 24.287 29.317 29.123 35.331 35.726 37.125 39.032 39.826 50.9495.226 24.251 15.654 17.356 15.112 19.292 15.779 21.269 21.130 27.308 27.337 28.705 30.916 31.341 42.409

15.689 9.338 10.306 10.135 8.544 8.557 7.639 7.207 7.192 7.232 7.568 7.548 7.259 7.539 7.6632.172 2.674 1.564 1.414 1.108 1.255 869 842 801 790 821 871 858 945 877

31.297 38.733 24.317 25.681 28.014 28.800 28.291 28.009 28.495 27.596 28.037 29.051 30.915 30.016 31.63127.443 24.143 23.893 25.250 27.535 28.096 27.844 27.545 27.862 27.074 27.484 28.555 30.418 29.433 31.0003.854 14.590 424 431 479 704 447 464 633 522 553 496 497 582 631

185.330 194.826 184.610 184.354 186.570 186.344 189.983 160.634 159.718 162.660 164.708 164.673 170.532 161.466 163.12042.603 39.230 37.752 37.318 36.671 37.417 36.681 36.717 36.270 36.530 36.460 37.194 37.291 36.532 36.911

142.727 155.596 146.858 147.037 149.898 148.927 153.302 123.917 123.448 126.131 128.248 127.479 133.240 124.934 126.209

Tabel 3.1 Rekening Administratif Bank Umum

Des Des


2 0 0 3 2 0 0 4


22






Milyar Rp

3.602 1.433 782 683 347 335 358 2.797 279 210 420 490 464 468 56098 173 2 49 2 2 22 36 18 11 10 11 7 21 5

3.048 1.092 572 471 186 164 162 186 156 126 52 110 64 41 107457 167 208 163 159 168 174 2.574 104 73 358 369 394 407 448

31.192 34.887 41.579 41.697 40.726 39.895 41.827 45.062 45.290 43.375 51.927 51.869 52.463 56.252 54.65414.123 19.932 29.276 28.220 28.626 27.740 28.262 31.789 31.336 31.051 38.739 38.666 38.750 41.768 39.823

195 105 143 112 39 66 38 79 82 82 129 76 67 72 899.695 10.663 9.173 10.371 9.411 9.421 10.884 10.514 11.222 9.547 12.479 12.442 13.185 13.862 14.1813.444 1.161 497 486 169 166 164 185 154 149 48 110 26 112 1073.735 3.025 2.490 2.509 2.481 2.502 2.480 2.495 2.496 2.547 531 576 435 439 454

7.997 7.469 8.311 7.932 6.559 6.758 5.771 5.765 5.311 4.899 5.228 5.011 5.782 5.992 6.0231.006 894 1.795 1.527 2.068 2.088 2.170 2.245 1.808 1.352 1.529 1.473 2.096 2.202 1.9726.038 4.472 5.705 5.727 4.041 4.213 3.438 3.382 3.356 3.394 3.544 3.374 3.518 3.618 3.871

954 2.103 812 677 449 457 163 138 147 153 154 164 168 172 180

18.003 12.731 10.757 11.928 13.582 13.285 13.102 13.713 13.771 12.926 12.810 12.979 13.904 13.484 14.81715.799 12.699 10.754 11.923 13.521 13.258 13.098 13.682 13.733 12.873 12.755 12.905 13.869 13.419 14.7452.204 32 3 5 61 27 5 31 38 53 55 74 35 65 72

133.881 128.292 118.545 118.704 120.631 120.254 123.187 114.078 113.360 115.879 117.896 120.897 122.121 113.595 114.14138.367 34.810 33.355 32.881 32.225 32.843 32.175 32.160 31.963 32.116 32.033 32.741 32.834 32.124 32.45295.514 93.481 85.190 85.824 88.406 87.411 91.013 81.918 81.397 83.763 85.862 88.156 89.287 81.471 81.689

Tabel 3.2 Rekening Administratif Bank Persero

Des Des


2 0 0 3 2 0 0 4


23






Milyar Rp

7.893 2.030 2.909 3.556 3.466 3.187 2.341 3.600 4.285 4.668 5.213 5.574 3.492 4.372 3.828220 47 15 8 9 - - - - - 1 0 0 166 0

1.790 1.947 2.656 3.425 3.280 2.865 2.146 3.370 3.952 4.490 4.978 5.395 3.280 3.716 3.4775.883 36 238 123 178 322 195 230 333 179 233 179 212 490 350

30.135 31.542 47.838 41.544 44.907 46.672 40.481 47.472 46.636 49.345 50.366 51.239 52.207 56.073 57.48419.867 28.321 41.834 36.903 39.603 41.104 36.526 41.588 40.598 42.076 42.383 42.808 45.840 49.593 49.891

17 72 97 97 110 118 104 108 101 103 124 101 92 128 1131.979 1.946 2.564 2.578 2.695 3.196 2.512 2.796 2.814 3.954 3.342 3.146 3.282 3.164 3.7441.081 1.020 3.045 1.761 2.328 2.086 1.209 2.715 2.764 2.730 3.796 4.219 2.925 2.978 3.5407.192 184 298 205 170 169 129 264 359 482 722 966 67 210 196

3.782 1.622 1.612 1.559 1.596 1.544 1.452 1.606 1.547 1.576 1.614 1.667 1.690 1.784 1.69460 231 22 25 27 32 28 28 30 30 23 27 31 42 27

2.951 1.155 1.226 1.175 1.191 1.001 1.019 1.076 1.092 1.126 1.164 1.193 1.214 1.232 1.227771 237 364 359 379 511 405 502 424 419 426 446 445 509 440

3.241 17.454 4.439 4.478 4.719 5.607 5.445 5.020 5.140 4.996 5.256 5.195 5.434 5.424 5.3542.483 2.957 4.062 4.130 4.352 5.070 5.047 4.623 4.691 4.576 4.866 4.814 5.030 4.950 4.871

758 14.497 377 348 367 537 397 396 449 420 390 381 404 474 482

44.878 59.666 59.771 59.178 59.406 59.380 60.588 40.112 40.024 40.291 40.416 37.279 41.607 41.101 42.1552.525 2.528 2.510 2.524 2.507 2.517 2.508 2.507 2.551 2.536 2.534 2.554 2.556 2.506 2.558

42.353 57.138 57.261 56.654 56.899 56.862 58.080 37.605 37.473 37.754 37.883 34.725 39.051 38.595 39.597

Tabel 3.3 Rekening Administratif BUSN Devisa

Des Des


2 0 0 3 2 0 0 4


24






Milyar Rp

154 110 67 65 68 84 63 49 59 59 66 98 90 88 91123 78 30 30 32 32 32 17 17 20 17 35 38 38 38

- - - - - - - - - - - - - - -32 32 37 35 36 52 30 32 42 39 49 63 52 50 54

1.466 1.582 1.675 1.673 1.791 1.839 1.722 1.769 1.806 1.775 1.764 1.731 1.688 1.773 1.8171.344 1.534 1.627 1.629 1.742 1.773 1.678 1.714 1.736 1.705 1.690 1.678 1.640 1.728 1.764

1 2 2 3 3 3 3 3 3 3 3 2 3 3 32 12 5 5 7 6 7 18 20 25 19 5 11 11 16 - 0 0 0 0 0 0 0 0 0 0 0 0 0 0

119 33 40 37 39 57 34 34 46 42 52 45 33 32 34

298 208 221 225 232 220 201 211 221 239 251 264 271 287 298- - - - - - - - - - - - - - -

155 191 218 222 230 217 200 208 218 232 248 261 266 279 291144 17 3 3 2 3 2 3 3 8 4 3 5 8 7

147 134 123 128 130 139 121 112 116 110 115 121 127 137 131112 105 107 112 102 104 103 95 96 94 97 101 110 118 11535 29 16 16 28 35 18 17 20 15 19 20 18 19 15

307 563 558 560 562 563 576 583 582 568 592 585 594 595 59049 45 43 43 43 43 42 43 43 43 43 43 42 42 42

258 518 515 517 519 520 534 540 540 525 550 543 551 553 548

Tabel 3.4 Rekening Administratif BUSN Non Devisa

Des Des


2 0 0 3 2 0 0 4


25






Milyar Rp

37 12 34 40 43 45 26 40 30 19 29 13 24 26 1137 12 22 22 22 22 22 22 22 10 10 10 10 10 10 - - - - - - - - - - - - 4 - -1 - 12 17 20 22 3 18 7 9 19 3 10 16 1

518 664 860 823 892 976 940 1.022 1.011 1.007 959 1.003 967 995 1.019514 660 845 801 866 949 930 992 987 993 935 993 951 967 1.010

2 3 3 4 4 4 3 4 4 4 4 4 3 3 31 - 1 1 1 1 4 3 3 1 1 2 4 9 4- - - - - - - - 9 - - - - - -1 1 12 18 21 23 4 22 8 9 19 3 10 16 1

791 681 691 725 566 566 599 559 582 564 604 587 590 785 586- 3 2 2 2 2 2 2 2 2 2 7 2 2 2

553 426 366 410 364 364 359 365 361 357 370 385 398 578 389238 251 323 313 200 200 238 192 219 206 232 195 190 205 195

360 719 859 975 931 860 768 606 626 676 718 877 1.030 1.033 1.073348 708 857 928 928 857 751 602 607 662 705 875 1.006 1.030 1.05012 19 3 47 3 3 17 4 19 14 14 2 25 3 23

4.160 4.194 4.250 4.272 4.389 4.558 4.283 4.493 4.253 4.371 4.426 4.374 4.401 4.362 4.3301.662 1.846 1.844 1.870 1.896 2.013 1.956 2.008 1.713 1.834 1.850 1.856 1.859 1.859 1.8592.498 2.348 2.406 2.402 2.493 2.544 2.327 2.485 2.540 2.537 2.576 2.518 2.542 2.503 2.471

Tabel 3.5 Rekening Administratif BPD

Des Des


2 0 0 3 2 0 0 4


26






Milyar Rp

9.255 5.817 3.737 4.023 4.438 3.585 4.578 4.518 4.570 4.395 4.488 5.320 4.977 6.135 7.3175.989 3.796 2.633 2.577 2.711 2.768 3.260 2.885 3.220 2.935 2.892 3.169 2.997 3.273 3.9061.140 404 957 1.136 1.426 517 801 1.330 1.086 1.161 1.253 1.756 1.494 2.172 3.0592.127 1.618 147 310 301 300 517 303 265 299 342 396 486 690 353

14.396 11.130 10.189 10.611 10.693 10.344 10.538 11.526 12.083 12.452 12.731 13.854 15.190 15.758 14.6127.785 6.647 7.018 7.121 7.396 7.582 7.847 8.335 8.724 9.032 9.238 9.772 9.912 10.788 10.195

810 - - - - - - - - - - - - - -2.123 2.276 1.859 1.975 1.933 2.026 1.960 1.921 2.051 2.058 2.044 2.189 2.265 2.139 2.3941.307 472 1.049 1.261 1.279 635 629 1.160 1.170 1.229 1.341 1.792 2.904 2.689 1.7592.371 1.736 263 255 87 101 102 110 138 134 108 101 109 142 264

4.645 20.948 10.562 10.830 7.684 11.217 7.798 10.930 10.868 11.337 10.943 10.696 11.508 12.853 13.2353.038 20.062 9.769 10.059 6.871 10.389 7.062 10.135 10.077 10.550 10.165 10.121 11.139 12.509 12.8941.565 864 782 759 789 799 729 789 785 783 775 571 366 341 337

42 21 12 12 24 29 7 6 6 3 4 4 3 3 3

3.125 2.345 3.136 3.146 3.342 3.364 3.214 3.205 3.200 3.080 3.194 3.326 3.836 3.582 3.8062.283 2.333 3.110 3.130 3.322 3.262 3.204 3.188 3.093 3.060 3.118 3.307 3.821 3.562 3.768

841 12 26 16 20 102 10 16 108 19 76 19 15 20 38

1.970 1.764 1.222 1.368 1.345 1.370 1.075 1.209 1.159 1.214 1.147 1.156 1.266 1.313 1.331 - - - - - - - - - - - - - - -

1.970 1.764 1.222 1.368 1.345 1.370 1.075 1.209 1.159 1.214 1.147 1.156 1.266 1.313 1.331

Tabel 3.6 Rekening Administratif Bank Campuran

Des Des


2 0 0 3 2 0 0 4


27






Milyar Rp

13.623 6.891 8.189 21.455 17.332 16.029 14.530 30.210 33.679 25.720 24.371 21.815 17.133 20.001 28.989- - - - - - - - - - - - - - 3.384

2.025 6.715 8.189 21.455 17.332 16.029 14.521 30.206 33.664 25.713 24.358 21.805 17.128 19.997 25.58411.598 175 - - - - 9 3 15 7 13 10 5 4 21

42.507 33.124 33.732 46.604 45.275 43.355 42.414 58.078 61.439 59.395 56.094 54.873 50.770 53.077 62.57626.915 23.982 26.558 26.280 28.476 27.395 27.753 29.376 29.811 34.105 31.050 32.059 30.510 30.513 31.289

- - - - - - - - - - - - - - -2.952 2.296 1.830 1.977 1.979 2.261 1.997 1.855 2.468 2.692 2.573 2.930 2.814 3.070 2.6431.630 6.572 5.344 18.347 14.820 13.700 12.655 26.840 29.156 22.591 22.458 19.874 17.442 19.490 28.623

11.009 275 - - - - 9 7 4 7 13 10 5 4 21

5.574 5.334 6.127 7.634 8.127 8.800 8.466 10.247 10.593 16.716 17.086 18.900 19.191 18.125 29.1141.122 3.061 4.066 5.743 6.144 6.782 6.517 8.858 9.212 15.374 15.618 17.077 17.647 16.586 27.5144.428 2.229 2.010 1.840 1.929 1.963 1.894 1.388 1.379 1.340 1.466 1.763 1.498 1.492 1.548

23 44 51 51 53 54 55 1 2 2 2 60 46 47 52

6.422 5.350 5.002 5.026 5.309 5.545 5.641 5.353 5.642 5.808 5.943 6.554 6.584 6.355 6.4506.418 5.348 5.002 5.026 5.309 5.545 5.641 5.353 5.642 5.808 5.943 6.554 6.584 6.355 6.450

4 2 - - - - - - - - - - - - -

134 348 264 271 236 220 274 160 339 337 231 381 542 498 573- - - - - - - - - - - - - - -

134 348 264 271 236 220 274 160 339 337 231 381 542 498 573

Tabel 3.7 Rekening Administratif Bank Asing

Des Des


2 0 0 3 2 0 0 4


28

CAR (%)- Modal- ATMR

KAPAPYD terhadap Aktiva Produktif (%)

- APYD- Total Aktiva Produktif

PPAPYD terhadap PPAPWD (%)- PPAPYD- PPAPWD

RentabilitasROA (%)

- Laba- Aktiva Rata-rata

BOPO (%)- Biaya Operasional- Pendapatan Operasional

LikuiditasRatio Kewajiban Bersih Antar Bank (%)

- KBAB- Modal Inti

LDR (%)- Kredit- Dana yang diterima

Milyar Rp

19,93 22,44 22,80 20,44 19,01 20,39 19,43 23,79 23,32 23,49 22,46 21,68 21,08 20,70 20,7283.675 103.602 116.117 108.565 101.540 109.536 112.395 128.980 127.738 130.168 127.076 127.836 126.677 125.065 128.451

419.752 461.757 509.329 531.158 534.205 537.270 578.386 542.215 547.858 554.199 565.887 589.760 600.848 604.165 619.905

4,61 3,61 3,58 4,02 3,58 3,90 3,59 3,54 3,63 3,60 3,70 3,59 3,52 3,56 3,5548.336 38.099 38.331 42.825 38.776 41.543 38.916 38.534 39.482 39.100 40.223 40.126 39.799 39.362 40.018

1.048.081 1.055.145 1.069.847 1.065.668 1.084.451 1.064.354 1.084.947 1.087.691 1.086.659 1.085.226 1.086.682 1.116.483 1.129.060 1.104.688 1.127.082163,39 175,21 199,80 179,13 189,36 177,27 167,58 178,34 172,04 162,51 172,31 170,82 167,77 169,02 170,9753.832 43.195 47.028 48.959 49.847 50.811 43.744 44.308 46.661 42.092 46.178 45.682 45.172 43.911 45.12932.946 24.653 23.538 27.331 26.324 28.663 26.103 24.844 27.123 25.901 26.799 26.742 26.926 25.979 26.395

1,45 1,96 2,37 2,27 2,24 2,21 2,63 2,59 2,35 2,71 2,83 2,57 2,67 2,71 2,8015.712 20.882 26.156 25.068 24.914 24.595 29.529 29.188 26.653 30.731 32.091 29.287 30.616 31.263 32.405

1.084.226 1.065.824 1.102.906 1.105.891 1.112.052 1.114.506 1.122.641 1.128.438 1.132.857 1.135.211 1.135.811 1.140.311 1.146.737 1.152.503 1.158.34598,41 94,76 90,30 90,94 90,30 91,31 88,10 90,39 92,81 90,38 89,88 90,47 90,25 82,81 85,93

146.351 150.498 167.046 168.712 165.866 175.902 127.865 130.493 135.651 130.220 129.140 128.735 124.539 120.679 97.461148.715 158.820 184.993 185.511 183.684 192.633 145.137 144.371 146.160 144.078 143.673 142.296 137.995 145.733 113.416

-80,81 -51,67 -39,18 -40,77 -47,43 -47,70 -50,55 -36,38 -36,25 -30,61 -25,05 -39,19 -34,58 -33,11 -27,05-55.770 -43.203 -35.754 -33.293 -37.300 -39.437 -44.196 -38.066 -37.574 -32.137 -25.655 -39.539 -34.576 -32.730 -27.19269.014 83.609 91.258 81.661 78.638 82.678 87.423 104.641 103.649 105.001 102.415 100.891 99.977 98.852 100.53833,01 38,24 41,10 42,23 42,90 44,14 43,52 42,39 42,88 43,70 44,92 45,56 46,39 46,81 47,87

316.059 371.058 409.476 417.385 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621957.417 970.371 996.287 988.390 995.027 992.841 1.012.278 1.034.094 1.028.609 1.028.417 1.023.242 1.045.379 1.059.237 1.054.676 1.066.734

Tabel 4.1 Kinerja Bank Umum

Des DesIndikator


2 0 0 3 2 0 0 4


29





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

19,39 21,71 21,65 18,82 15,79 19,46 18,21 24,47 24,24 24,68 22,85 21,92 21,90 21,80 22,2234.434 42.119 47.868 43.405 36.064 43.565 48.237 55.320 55.653 56.819 54.792 54.084 53.918 54.321 56.240

177.598 194.051 221.052 230.625 228.374 223.828 264.833 226.112 229.561 230.265 239.796 246.688 246.239 249.214 253.121

3,49 3,16 4,01 4,70 3,93 4,48 4,13 4,09 4,30 4,45 4,56 4,42 4,50 4,48 4,5517.636 15.586 19.283 22.888 19.242 21.162 19.643 19.354 20.383 21.015 21.649 21.223 21.608 20.891 21.611

505.960 493.486 480.717 486.748 489.784 472.477 475.455 473.023 474.267 471.750 475.256 480.388 479.738 466.370 474.775260,41 264,13 236,27 200,58 237,10 206,24 182,28 198,54 192,78 170,67 191,72 193,44 187,15 193,37 195,8726.006 21.915 23.733 25.510 25.578 26.335 21.751 22.618 23.251 22.325 26.101 25.274 25.629 25.379 26.4489.987 8.297 10.045 12.718 10.788 12.769 11.932 11.392 12.061 13.081 13.614 13.066 13.695 13.125 13.503

0,99 2,00 2,08 2,06 2,25 2,07 2,67 2,71 2,49 2,73 2,87 2,22 2,38 2,39 2,505.266 10.143 10.545 10.467 11.442 10.520 13.668 13.824 12.683 13.914 14.478 11.187 11.963 11.958 12.450

532.177 507.737 507.833 507.975 508.891 507.772 511.166 510.112 509.505 508.900 503.786 502.941 501.711 500.462 498.149104,07 98,43 93,71 93,98 91,81 94,21 92,07 96,92 100,41 99,35 99,45 101,42 102,86 85,84 102,2072.733 75.155 92.199 91.707 89.504 102.164 56.592 58.184 60.981 59.088 58.736 58.647 57.826 55.510 30.15169.888 76.352 98.384 97.584 97.488 108.446 61.469 60.033 60.735 59.472 59.063 57.825 56.220 64.671 29.501

40,47 55,70 41,73 45,12 27,60 14,70 18,00 12,09 8,92 9,81 8,04 7,12 18,10 13,73 21,929.878 17.054 13.527 12.638 6.803 4.201 6.124 5.067 3.771 4.256 3.318 2.803 7.060 5.412 8.713

24.407 30.617 32.415 28.008 24.650 28.581 34.033 41.920 42.280 43.403 41.268 39.365 39.007 39.407 39.75426,56 34,46 37,91 39,23 40,89 42,26 41,59 40,40 40,97 42,16 42,98 44,35 45,66 46,33 47,61

121.496 150.632 165.712 169.541 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141457.490 437.149 437.163 432.141 421.947 418.431 425.932 436.085 434.066 433.461 430.166 431.366 431.943 427.956 428.764

Tabel 4.2 Kinerja Bank Persero

Des DesIndikator


2 0 0 3 2 0 0 4


30





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

21,69 24,67 24,70 21,70 21,75 21,24 20,26 22,94 22,7826.125 37.030 42.445 38.483 38.983 39.350 37.487 42.535 42.416

120.453 150.128 171.864 177.307 179.201 185.240 185.018 185.418 186.186

3,40 2,58 2,26 2,58 2,46 2,51 2,34 2,30 2,3611.297 9.211 8.519 9.573 9.272 9.531 9.245 9.138 9.272

332.667 357.024 376.298 370.526 377.473 379.896 395.646 396.453 392.878142,98 152,56 244,44 204,63 199,42 197,01 200,86 210,22 209,3610.500 9.381 13.689 14.123 14.454 14.407 12.368 12.516 12.6737.344 6.149 5.600 6.901 7.248 7.313 6.158 5.954 6.053

1,23 0,98 2,08 1,74 1,56 1,71 2,16 1,94 2,204.450 3.534 8.133 6.854 6.157 6.818 8.680 7.899 8.984

363.079 360.109 390.558 393.209 395.865 399.068 400.994 406.181 408.09095,59 97,00 89,07 90,89 92,03 90,81 86,62 88,05 85,72

46.551 50.292 47.916 48.623 48.354 47.324 44.869 45.221 43.63148.699 51.846 53.794 53.496 52.543 52.112 51.797 51.357 50.897

-96,68 -70,93 -53,59 -64,99 -62,94 -68,01 -76,61 -58,44 -45,68-20.559 -21.935 -19.210 -19.387 -19.085 -20.824 -22.840 -20.351 -15.92421.266 30.927 35.844 29.832 30.323 30.619 29.814 34.823 34.85729,33 34,92 38,92 39,90 40,11 40,14 40,41 39,02 39,93

95.580 125.901 144.987 147.476 152.026 155.833 159.959 156.264 157.313325.895 360.529 372.494 369.594 378.982 388.237 395.838 400.498 393.925

Tabel 4.3 Kinerja BUSN Devisa

Des DesIndikator


2 0 0 3 2 0 0 4

22,2543.035

193.450

2,168.505

392.969190,48 11.013

5.782

2,339.666

415.34884,71

42.604 50.294

-32,99-11.51034.887

41,66165.272396.680

22,6043.079

190.632

2,098.265

395.805197,5110.979

5.559

2,088.593

412.81286,37

43.85650,774

-47,79-16.44134.399

40,26160.217397.938

21,8844.340

202.639

2,298.721

402.938185,1811.3596.134

2,379.966

419.93484,25

42.12950.005

-39,08-13.76835.23342,54

172.841406.307

20,8843.851

210.019

2,098.666

415.219176,4911.1626.325

2,4610.460

424.93883,30

41.39349.692

-44,76-15.83535.38043,08

179.667417.020

20,0342.524

212.281

2,198.952

409.341170,4010.534

6.182

2,5410.893

429.64781,86

40.06448.941

-40,09-13.74434.281

43,08179.467416.587

19,6643.030

218.903

2,14 8.898

415.495171,5110.609

6.186

2,6311.430

434.86980,63

39.26848.704

-35,77-12.42834.745

44,07185.921421.859


31





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

20,57 16,94 16,86 16,14 13,84 14,68 14,99 18,25 18,942.408 2.348 2.746 2.802 2.480 2.689 2.753 3.381 3.174

11.706 13.864 16.287 17.362 17.912 18.317 18.369 18.523 16.757

2,61 2,89 2,88 2,77 27,48 2,92 2,65 3,14 3,32411 560 594 571 588 619 585 687 643

15.720 18.569 20.656 20.605 2.141 21.185 22.040 21.885 19.382148,63 125,16 128,93 127,21 111,27 111,53 109,68 126,27 127,86

381 398 486 509 869 892 878 541 516256 318 377 400 781 800 801 428 403

1,97 2,17 2,46 2,53 0,95 1,04 0,95 1,10 2,82329 421 536 560 215 236 221 257 625

16.674 19.357 21.785 22.113 22.482 22.647 23.203 23.268 22.16991,65 90,27 87,09 87,00 95,37 94,79 95,33 94,50 84,282.772 3.369 3.452 3.468 3.811 3.773 3.856 3.790 3.2003.024 3.732 3.964 3.986 3.996 3.981 4.044 4.011 3.797

-14,44 -20,86 -41,78 -30,41 -28,68 -28,36 -16,47 -3,11 -30,84-309 -425 -1.008 -748 -617 -609 -364 -87 -813

2.138 2.037 2.412 2.460 2.151 2.147 2.209 2.809 2.63559,45 59,39 57,92 60,45 62,13 64,74 62,74 65,58 65,799.748 11.574 13.012 13.425 13.897 14.370 14.526 14.840 14.031

16.395 19.487 22.465 22.209 22.367 22.197 23.151 22.628 21.328

Tabel 4.4 Kinerja BUSN Non Devisa

Des Des

Milyar Rp

Indikator2001 2002 Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags

2 0 0 3 2 0 0 4

17,562.949

16.792

3,20623

19.478138,44

530383

2,94659

22.42383,843.1603.769

-29,19-772

2.64668,27

14.45821.177

17,722.980

16.813

3,31649

19.567133.24

539405

2,86628

21.98184,563.1663.744

-28,72-745

2.59367,62

14.45721.380

18,083.057

16.909

2,98583

19.586159,58

527330

2,96667

22.52883,093.1133.747

-23,67-650

2.74568,12

14.44321.202

19,593.327

16.981

2,89575

19.912159,54

534335

3,06692

22.61582,273.0563.715

-29,42-822

2.79366,49

14.48721.789

18,233.127

17.157

2,94601

20.447160,35

547341

3,10705

22.78781,403.0023.688

-38,41-1.0692.78465,51

14.69922.438

17,993.141

17.460

2,96609

20.536162,10

554342

2,92669

22.93282,633.0023.633

-34,58-970

2.80366,57

15.07822.651


32





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

15,93 18,48 22,63 18,33 18,52 18,50 19,10 24,12 23,713.289 4.864 5.725 5.840 5.926 5.886 5.951 7.752 7.835

20.644 26.326 25.297 31.860 31.990 31.820 31.158 32.135 33.049

1,36 1,07 0,91 0,99 1,00 1,35 0,96 1,19 1,19546 545 567 584 606 753 527 633 640

40.223 50.853 62.398 59.084 60.543 55.577 54.957 52.970 53.573122.12 122.79 121.48 120.00 119.37 120.27 118.87 123.23 124.78

747 889 869 915 941 1.019 879 866 883612 724 715 763 788 848 740 703 708

4,10 3,83 2,98 2,89 2,85 2,77 3,05 3,26 3,371.618 2.051 1.830 1.776 1.807 1.751 1.976 2.129 2.211

39.468 53.488 61.383 61.377 63.306 63.227 64.791 65.342 65.71178,80 77,67 81,69 81,80 81,85 82,45 80,39 78,86 78,144.697 6.679 7.437 7.402 7.539 7.542 7.339 7.273 7.3815.961 8.599 9.104 9.049 9.211 9.147 9.128 9.222 9.445

-602,66 -444,80 -297,14 -268,99 -246,48 -218,45 -224,96 -129,36 -102,60-16.993 -18.379 -15.331 -14.048 -13.020 -11.502 -12.073 -9.216 -7.389

2.820 4.132 5.160 5.222 5.282 5.265 5.367 7.125 7.20237,43 42,04 42,42 44,88 44,91 50,11 48,22 49,77 50,06

15.396 21.498 27.438 28.295 28.997 29.362 28.348 29.292 29.89941.133 51.135 64.683 63.052 64.563 58.590 58.474 58.852 59.730

Tabel 4.5 Kinerja BPD

Des DesIndikator


2 0 0 3 2 0 0 4

22,487.752

34.481

1,30702

54.221122,18

917750

3,732.461

65.99975,717.2219.537

-84,76-6.0237.10654,00

31.82558.936

22,887.759

33.915

1,28702

54.784121,78

961789

3,502.306

65.94977,327.3699.530

-102,72-7.3157.12151,85

30.89059.574

21,407.609

35.564

1,41775

54.553119,76

963804

3,702.446

66.13175,897.2329.530

-84.67-5.8436.90154.98

32.77259.602

19,967.268

36.407

1,27757

59.479115,13

961834

4,002.652

66.36474,177.0759.540

-109,96-7.2086.55652,86

33.65863.679

19,017.026

36.957

1,31777

59.135117,97

989839

3,902.593

66.56374,607.1509.583

-102,93-6.5436.35754,32

34.38763.307

18,987.168

37.775

1,29796

61.799118,301.031

871

3,992.660

66,67773,947.1279.638

-99,13-6.4136.46953,91

35.14865.196


33





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

23,71 31,40 34,25 33,18 32,49 32,36 32,65 34,56 34,307.543 7.950 8.833 8.749 8.670 8.784 8.837 9.391 9.345

31.810 25.322 25.786 26.365 26.690 27.143 27.066 27.172 -27.250

14,46 12,28 10,71 10,62 9,70 9,98 9,35 8,93 8,707.223 5.597 4.740 4.710 4.487 4.499 4.108 4.224 4.142

49.941 45.586 44.273 44.328 46.267 45.079 43.950 47.319 47.600111,23 113,73 111,65 111,93 107,23 109,29 109,77 106,72 109,825.225 4.116 3.401 3.330 3.299 3.296 3.070 3.121 3.0914.698 3.619 3.046 2.975 3.076 3.016 2.796 2.924 2.815

4,42 2,42 2,94 3,17 2,98 3,44 3,36 3,13 2,921.789 954 1.128 1.220 1.154 1.336 1.311 1.229 1.154

40.442 39.481 38.320 38.492 38.716 38.824 38.993 39.302 39.52981,75 86,64 81,69 79,18 82,12 76,49 79,15 79,89 80,745.066 4.111 3.404 3.284 3.343 3.068 3.142 3.164 3.2156.197 4.745 4.166 4.147 4.071 4.011 3.970 3.960 3.981

40,12 51,75 44,89 47,43 51,51 51 50,88 42,09 30,502.602 3.580 3.373 3.519 3.816 3.793 3.809 3.365 2.4356.485 6.918 7.514 7.418 7.408 7.404 7.486 7.993 7.98480,98 75,76 77,15 74,81 72,85 76,43 74,10 70,97 67,82

29.162 25.111 24.304 24.465 24.842 25.347 24.975 25.333 24.99536.010 33.145 31.502 32.704 34.099 33.164 33.706 35.693 36.853

Tabel 4.6 Kinerja Bank Campuran

Des Des

Milyar Rp

Indikator2001 2002 Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags

2 0 0 3 2 0 0 4

33,489.275

27.702

8,794.246

48.320108,893.0802.828

2,631.053

40.04782,443.1753.851

61,884.8637.85970,02

25.58436.536

34,159.282

27.183

8,714.184

48.013110,112.9692.696

2,24 889

39.60587,543.4553.946

48,483.8167.87168,37

25.10536.721

31,009.284

29.944

7,844.173

52.464110,312.9972.717

2,651.077

40.60583,763.2383.865

47,253.6997.83068,55

26.99039.374

26,699.256

31.175

7,463.885

52.072114,842.6942.346

2,581.070

41.48684,513.2723.872

50,513.9797.87769,24

27.55439.794

29,999.299

31.013

7,413.713

50.069115,752.5892.237

2,28962

42.23886,963.4163.928

63,315.0257.93771,11

27.66138.899

29,019.370

32.303

7,49 3.830

51.151116,34 2.628 2.259

2,32995

42.96385,843.4354.001

61,584.9147.98072,93

28.78539.469


34





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

17,16 18,19 17,33 19,49 18,82 18,19 17,58 20,06 20,139.876 9.473 8.500 9.286 9.417 9.262 9.130 10.601 10.724

57.541 52.066 49.044 47.638 50.037 50.922 51.941 52.855 53.280

10,84 7,39 5,43 5,33 5,13 5,53 5,19 4,69 4,5011.223 6.623 4.646 4.499 4.582 4.981 4.809 4.500 4.339

103.570 89.627 85.504 84.376 89.243 90.140 92.635 96.040 96.316109,18 117,11 129,16 127,95 129,21 124,09 130,51 134,93 134,5810.973 6.494 4.849 4.573 4.707 4.862 4.798 4.646 4.53310.050 5.545 3.754 3.574 3.643 3.918 3.676 3.443 3.368

2,45 4,41 4,80 5,07 5,00 4,74 4,40 4,57 4,862.261 3.780 3.984 4.191 4.139 3.933 3.674 3.850 4.134

92.386 85.651 83.027 82.725 82.792 82.968 83.494 84.231 85.02697,24 80,40 81,11 82,49 81,31 80,55 81,94 81,46 80,85

14.532 10.892 12.638 14.228 13.315 12.030 12.067 12.861 13.59414.945 13.547 15.581 17.249 16.376 14.936 14.728 15.788 16.814

-255,42 -257,28 -216,14 -175,04 -172,23 -167,34 -221,45 -168,92 -182,13-30.389 -23.099 -17.105 -15.266 -15.197 -14.495 -18.852 -16.844 -18.38011.897 8.978 7.914 8.721 8.824 8.662 8.513 9.972 10.09255,50 52,73 50,05 49,76 47,32 50,56 47,28 45,36 44,38

44.677 36.341 34.023 34.183 34.578 36.513 35.545 36.438 35.70280.493 68.925 67.979 68.691 73.069 72.222 75.177 80.339 80.441

Tabel 4.7 Kinerja Bank Asing

Des DesIndikator


2 0 0 3 2 0 0 4

17,279.076

52.554

4,674.459

95.411130,83

4.4843.427

5,224.522

86.66678,23

13.23416.916

-182,75-15.472

8.46646,57

36.62878.652

18,5010.24855.392

4,504.287

95.307128,10

4.3193.372

5,12 4.401

85.96479,98

13.28716.611

-163,40-15.708

9.61445,34

35.97179.344

16,319.462

58.017

4,374.651

106.555123,584.5623.692

4.473.945

88.17282.98

14.37617.324

-292,38-25.780

8.81743,24

37.85187.527

15.099.057

60.027

4.204.308

102.640123.624.1923.391

4.223.779

89.62379.67

11.91714.957

-260,06-21.749

8.36345,64

38.79785.012

15,248.768

57.544

4,464.430

99.327118,923.8723.256

4,574.151

90.80477,32

11.53814.922

-269,69-21.810

8.08745,79

39.14685.488

15,759.502

60.343

4,144.274

103.326119,323.8603.235

4,534.201

92.75480,71

14.47917.941

-239,11-21.009

8.78646,79

41.54788.796


35

Net Interest Margin

Bank Persero

BUSN Devisa

BUSN Non Devisa

Bank BPD

Bank Campuran

Bank Asing

Bank Umum

Persen

3,35 3,80 4,85 4,89 5,00 4,87 4,53 5,72 5,59 5,98 5,96 5,92 6,00 6,00 5,97

3,21 3,95 4,31 4,38 4,44 4,51 4,60 5,44 5,44 5,49 5,55 5,53 5,46 5,44 5,42

5,33 5,89 6,70 6,90 7,08 7,28 7,40 8,99 9,63 9,72 9,68 9,90 9,65 9,51 9,33

7,97 9,45 8,12 8,21 8,34 8,52 8,42 11,42 11,06 10,93 10,87 10,87 10,73 10,72 10,62

4,14 4,09 3,62 3,59 3,61 3,59 3,54 3,42 3,38 3,43 3,43 3,35 3,29 3,36 3,38

4,18 3,74 4,31 4,48 4,45 4,55 4,60 4,91 4,55 4,71 4,63 4,51 4,36 4,41 4,41

3,60 4,14 4,54 4,63 4,73 4,74 4,64 5,79 5,69 5,89 5,89 5,85 5,83 5,83 5,81

Tabel 4.8 Rasio Kinerja Lainnya

Des DesIndikator


2 0 0 3 2 0 0 4


36

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Total

Milyar Rp


2 0 0 3

533.435 516.557 504.383 510.889 528.349 501.234 556.125 499.523 497.650 494.231 491.253 497.241 492.434 488.510 489.657

365.932 393.938 402.356 405.828 413.885 424.214 436.214 434.114 431.556 433.472 432.374 444.132 454.645 456.099 463.135

17.971 20.963 23.683 23.923 24.649 24.899 25.494 25.374 23.935 22.787 23.762 22.858 23.162 23.819 24.060

47.117 58.178 70.013 68.922 69.898 65.078 66.418 63.195 64.152 64.468 63.807 64.753 68.959 68.656 71.352

42.738 39.347 37.991 39.338 41.235 40.028 39.292 42.196 42.118 42.840 42.927 46.996 47.351 46.342 46.500

92.506 83.221 80.639 80.524 85.740 86.775 89.975 92.748 93.294 92.155 91.124 103.451 99.174 99.365 104.501

1.099.699 1.112.204 1.119.065 1.129.424 1.163.758 1.142.228 1.213.518 1.157.152 1.152.703 1.149.953 1.145.247 1.179.431 1.185.725 1.182.791 1.199.206

Tabel 5.1 Perkembangan Aset

Des DesKelompok Bank

2 0 0 4


37

Tabel 5.2 Bank Umum Berdasarkan Total Aset

Bank Persero 0 0 2 3 0 1 1 3 0 1 1 3 0 1 1 3 0 1 1 3

BUSN Devisa 11 16 9 2 10 15 10 1 9 16 10 1 8 17 9 2 10 13 10 2

BUSN Non Devisa 37 5 0 0 33 7 0 0 31 9 0 0 31 9 0 0 32 7 0 0

BPD 13 13 0 0 11 15 0 0 9 16 1 0 10 15 1 0 8 17 1 0 0

Bank Campuran 11 13 0 0 11 13 0 0 6 14 0 0 7 13 0 0 6 13 0 0

Bank Asing 1 4 5 0 2 4 4 0 3 4 4 0 3 3 5 0 3 3 5 0

Total 73 51 16 5 67 55 15 4 58 60 16 4 59 58 16 5 59 54 17 5

Kelompok Bank

Desember 2001< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50Triliun 10 Triliun 50 Triliun Triliun

( J u m l a h B a n k )


Agustus 2003< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50Triliun 10 Triliun 50 Triliun Triliun


Agustus 2004< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50Triliun 10 Triliun 50 Triliun Triliun


38

Tabel 5.3 Peringkat Bank Berdasarkan Aset

Milyar Rp

1 PT Bank Mandiri 264.838 24,08 PT Bank Mandiri 252.669 22,72 PT Bank Mandiri 246.445 22,02 PT Bank Mandiri 293.205 24,16 PT Bank Mandiri Tbk 226.813 18,912 PT Bank Negara Indonesia Tbk 148.988 13,55 PT Bank Negara Indonesia Tbk 126.059 11,33 PT Bank Negara Indonesia Tbk 131.301 11,73 PT Bank Central Asia Tbk 132.797 10,94 PT Bank Central Asia Tbk 142.340 11,873 PT Bank Central Asia Tbk 102.218 9,30 PT Bank Central Asia Tbk 116.943 10,51 PT Bank Central Asia Tbk 119.693 10,70 PT Bank Negara Indonesia Tbk 131.890 10,87 PT Bank Negara Indonesia Tbk 126.845 10,584 PT Bank Rakyat Indonesia 81.774 7,44 PT Bank Rakyat Indonesia 104.126 9,36 PT Bank Rakyat Indonesia 96.119 8,59 PT Bank Rakyat Indonesia 99.216 8,18 PT Bank Rakyat Indonesia 103.895 8,665 PT Bank Danamon Indonesia Tbk 52.540 4,78 PT Bank Danamon Indonesia Tbk 47.431 4,26 PT Bank Danamon Indonesia Tbk 45.280 4,05 PT Bank Danamon Indonesia Tbk 52.752 4,35 PT Bank Danamon Indonesia Tbk 52.863 4,416 PT Bank Internasional Indonesia Tbk 33.431 3,04 PT Bank Internasional Indonesia Tbk 36.175 3,25 PT Bank Internasional Indonesia Tbk 35.140 3,14 PT Bank Internasional Indonesia Tbk 34.600 2,85 PT Bank Internasional Indonesia Tbk 35.075 2,927 PT Bank Tabungan Negara 26.593 2,42 PT Bank Permata Tbk 29.259 2,63 PT Bank Permata Tbk 28.170 2,52 PT Bank Permata Tbk 29.082 2,40 PT Bank Permata Tbk 30.736 2,568 Citibank N.A 25.879 2,35 PT Bank Tabungan Negara 27.373 2,46 PT Bank Tabungan Negara 26.148 2,34 PT Bank Tabungan Negara 26.866 2,21 PT Lippo Bank Tbk 27.389 2,289 PT Lippo Bank Tbk 24.032 2,19 Citibank N.A 24.653 2,22 PT Lippo Bank Tbk 24.823 2,22 PT Lippo Bank Tbk 26.418 2,18 PT Bank Niaga 26.769 2,2310 PT Bank Niaga. Tbk 22.997 2,09 PT Lippo Bank Tbk 24.466 2,20 Citibank N.A 21.686 1,94 Citibank N.A 23.746 1,96 PT Bank Tabungan Negara 26.678 2,22

Total 783.290 71,23 Total 789.154 70,95 Total 774.805 69,24 Total 850.570 70,09 Total 799.403 66,66

PeringkatDesember 2001 Desember 2003

Nama BankTotalAset

Pangsa thdTotal Aset Bank

Umum (%)Nama Bank

TotalAset


Umum (%)Nama Bank

TotalAset


Umum (%)Nama Bank

TotalAset


Umum (%)Nama Bank

TotalAset


Umum (%)

Desember 2002 Agustus 2003 Agustus 2004


39

Aktiva Produktif (Earning Asset)a. Lancarb. DPKc. Kurang Lancard. Diragukane. Macet

Non Performing Earning Asset (Nominal)Rasio Non Performing Earning Asset (%)

Kredita. Lancarb. DPKc. Kurang Lancard. Diragukane. Macet

Non Performing Loan (Nominal)Rasio Non Performing Loan (%)

Milyar Rp


2 0 0 3

1.048.081 1.055.145 1.069.847 1.065.668 1.084.451 1.064.354 1.084.947 1.087.691 1.086.659 1.085.226 1.086.682 1.116.483 1.129.060 1.104.688 1.127.082955.955 974.963 983.446 970.658 999.961 975.069 1.000.444 1.004.801 1.002.136 1.001.982 1.002.664 1.031.452 1.045.605 1.021.007 1.041.671

47.292 46.503 54.120 59.293 50.517 52.793 48.850 47.697 48.534 49.090 47.738 48.711 46.974 48.081 49.94112.266 10.896 11.624 12.316 12.613 13.204 15.178 14.118 13.793 11.588 12.041 13.494 13.809 13.367 13.0408.881 8.234 6.667 6.228 6.079 6.176 5.442 6.098 6.979 6.132 7.880 6.498 6.086 6.300 5.670

23.686 14.549 13.989 17.173 15.281 17.111 15.033 14.977 15.218 16.434 16.358 16.328 16.586 15.933 16.760

44.833 33.679 32.280 35.717 33.973 36.491 35.653 35.193 35.990 34.154 36.279 36.320 36.481 35.600 35.4704,28 3,19 3,02 3,35 3,13 3,43 3,29 3,24 3,31 3,15 3,34 3,25 3,23 3,22 3,15

316.059 371.058 409.476 417.385 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621231.739 299.735 330.149 331.837 349.933 356.729 365.252 363.250 365.317 374.294 385.344 399.508 416.692 419.624 435.058

45.664 43.484 52.043 57.241 48.463 50.177 45.388 45.602 45.499 46.983 45.480 46.217 44.270 44.294 45.83311.815 8.928 9.842 10.436 10.826 11.332 12.861 11.981 11.655 9.444 9.910 11.178 11.484 11.012 10.8628.443 7.655 6.483 6.044 5.902 5.999 4.991 5.441 6.323 5.489 5.738 5.853 5.437 5.650 5.224

18.397 11.256 10.959 11.825 11.757 14.007 12.013 12.051 12.249 13.168 13.138 13.471 13.505 13.068 13.644

38.655 27.839 27.284 28.305 28.485 31.338 29.865 29.473 30.227 28.101 28.786 30.502 30.426 29.730 29.73012,23 7,50 6,66 6,78 6,67 7,15 6,78 6,72 6,85 6,25 6,26 6,40 6,19 6,02 5,82

Tabel 6.1 Aktiva Produktif Bank Umum

Des Des 2 0 0 4


40





Milyar Rp


2 0 0 3

505.960 493.486 480.717 486.748 489.784 472.477 475.455 473.023 474.267 471.750 475.256 480.388 479.738 466.370 474.775462.791 453.941 431.350 430.594 443.464 424.706 431.113 430.174 429.634 426.344 429.895 435.030 434.760 422.240 429.218

29.921 27.336 34.989 39.063 30.698 29.938 27.499 26.241 27.004 27.808 26.224 26.503 25.397 25.652 27.0014.927 5.082 6.230 6.833 7.031 7.189 7.069 6.214 6.162 5.654 5.840 7.092 7.275 6.607 6.1532.628 3.665 2.909 2.208 2.153 2.245 2.161 2.831 3.663 2.832 4.498 2.842 2.738 2.792 2.4755.692 3.462 5.239 8.050 6.437 8.399 7.613 7.563 7.804 9.112 8.799 8.920 9.568 9.080 9.928

13.247 12.209 14.378 17.091 15.621 17.833 16.843 16.608 17.629 17.598 19.137 18.854 19.581 18.479 18.5562,62 2,47 2,99 3,51 3,19 3,77 3,54 3,51 3,72 3,73 4,03 3,92 4,08 3,96 3,91

121.496 150.632 165.712 169.541 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.14183.633 115.282 120.291 119.645 130.661 133.503 138.440 137.690 138.336 142.255 145.851 150.429 157.103 158.871 163.89829.034 26.259 34.061 38.155 29.818 28.688 25.747 25.712 25.713 27.090 25.513 25.729 24.455 24.675 25.374

4.734 4.197 5.349 5.940 6.148 6.317 5.703 5.022 4.974 4.429 4.629 5.812 5.962 5.336 4.9772.549 3.298 2.904 2.203 2.153 2.237 1.792 2.267 3.106 2.279 2.468 2.297 2.184 2.234 2.1171.546 1.594 3.107 3.597 3.762 6.075 5.455 5.468 5.690 6.684 6.418 7.062 7.521 7.173 7.775

8.829 9.089 11.360 11.740 12.063 14.629 12.950 12.757 13.770 13.392 13.515 15.171 15.667 14.743 14.8697,27 6,03 6,86 6,92 6,99 8,27 7,31 7,24 7,74 7,33 7,31 7,93 7,94 7,44 7,28

Tabel 6.2 Aktiva Produktif Bank Persero

Des Des 2 0 0 4


41





Milyar Rp


2 0 0 3

332.667 357.024 376.298 370.526 377.473 379.896 395.646 396.453 392.878 395.805 392.969 402.938 415.219 409.341 415.495311.820 339.063 358.703 351.361 358.667 359.167 375.336 376.291 372.437 377.314 374.190 383.633 396.418 390.009 395.88910.349 9.855 9.983 10.444 10.274 12.289 10.780 10.946 11.281 11.080 11.050 11.487 10.784 11.044 11.4802.600 2.173 2.374 2.526 2.647 2.920 5.116 4.760 4.513 2.942 3.049 2.887 3.101 3.131 3.2181.958 1.860 1.611 1.993 2.022 2.083 1.693 1.739 1.802 1.782 1.845 2.101 1.986 2.122 1.9585.941 4.073 3.628 4.204 3.863 3.436 2.722 2.717 2.844 2.687 2.834 2.830 2.930 3.034 2.950

10.499 8.106 7.613 8.723 8.532 8.439 9.531 9.216 9.159 7.411 7.728 7.818 8.017 8.287 8.1263,16 2,27 2,02 2,35 2,26 2,22 2,41 2,32 2,33 1,87 1,97 1,94 1,93 2,02 1,96

95.580 125.901 144.987 147.476 152.026 155.833 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.92175.388 109.073 128.429 129.336 134.251 136.117 140.684 137.106 137.895 142.448 147.234 154.292 161.595 161.171 167.30710.321 9.494 9.659 10.133 9.953 11.945 10.439 10.589 10.906 10.958 10.922 11.335 10.656 10.604 11.0932.580 2.142 2.343 2.469 2.592 2.869 5.057 4.712 4.464 2.926 3.025 2.865 3.081 3.115 3.2031.957 1.769 1.500 1.886 1.915 1.980 1.677 1.723 1.785 1.764 1.821 2.078 1.966 2.098 1.9315.334 3.423 3.055 3.653 3.315 2.923 2.102 2.134 2.261 2.121 2.270 2.272 2.368 2.479 2.388

9.871 7.334 6.898 8.008 7.822 7.772 8.836 8.569 8.510 6.811 7.116 7.215 7.415 7.692 7.52210,33 5,83 4,76 5,43 5,15 4,99 5,52 5,48 5,41 4,25 4,31 4,17 4,13 4,29 4,05

Tabel 6.3 Aktiva Produktif BUSN Devisa

Des Des 2 0 0 4


42





Milyar Rp


2 0 0 3

15.720 18.569 20.656 20.605 21.141 21.185 22.040 21.885 19.382 19.567 19.478 19.586 19.912 20.447 20.53615.046 17.680 19.549 19.507 20.048 19.943 20.892 20.535 18.152 18.341 18.327 18.481 18.844 19.305 19.357

250 428 589 591 539 711 618 697 590 580 509 497 486 555 596117 136 138 126 170 147 170 254 261 244 249 255 196 202 21269 5 74 79 66 64 59 59 59 86 86 88 124 97 66

238 266 305 301 319 320 301 341 321 317 307 265 262 288 304

424 407 517 506 555 531 530 654 641 647 642 608 582 587 5822,70 2,19 2,50 2,46 2,63 2,51 2,40 2,99 3,31 3,31 3,30 3,10 2,92 2,87 2,83

9.748 11.574 13.012 13.425 13.897 14.370 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.0789.082 10.698 11.918 12.340 12.815 13.139 13.382 13.494 12.806 13.240 13.316 13.347 13.425 13.564

250 418 582 584 532 704 618 696 589 575 504 492 486 555 595117 136 135 123 167 144 167 251 257 240 246 255 196 202 21269 59 74 79 66 64 59 59 59 86 86 85 121 94 63

229 263 303 299 317 319 300 339 319 316 306 264 259 285 303

415 458 512 501 550 527 526 649 635 642 638 604 576 581 5784,26 3,96 3,93 3,73 3,96 3,67 3,62 4,37 4,53 4,44 4,41 4,18 3,98 3,95 3,83

Tabel 6.4 Aktiva Produktif BUSN Non Devisa

Des Des 2 0 0 4


43





Milyar Rp


2 0 0 3

40.223 50.853 62.398 59.084 60.543 55.577 54.957 52.970 53.573 54.784 54.221 54.553 59.479 59.135 61.79939.434 50.000 61.340 57.999 59.432 54.121 53.953 51.705 52.343 53.503 52.887 53.089 58.130 57.755 60.424

239 393 492 503 509 776 509 685 626 613 667 706 604 619 57484 106 180 190 187 180 142 182 185 185 198 256 210 206 22793 61 132 114 124 126 101 110 113 109 130 126 136 142 139

373 293 255 278 292 374 253 288 306 374 339 376 399 413 435

550 460 567 582 603 680 496 580 604 668 667 758 745 761 8011,37 0,90 0,91 0,99 1,00 1,22 0,90 1,09 1,13 1,22 1,23 1,39 1,25 1,29 1,30

15.396 21.498 27.438 28.295 28.997 29.362 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.14814.678 20.795 26.383 27.213 27.888 28.010 27.447 28.130 28.673 29.642 30.495 31.312 32.313 33.010 33.777

239 286 492 503 509 676 409 585 626 583 667 705 604 619 57482 104 180 190 187 179 141 181 184 184 197 255 210 206 22790 61 132 113 124 126 101 110 113 108 130 126 136 142 139

308 251 252 275 289 371 250 285 303 371 336 373 396 410 432

480 416 564 578 600 676 492 576 600 663 663 754 742 758 7983,12 1,94 2,06 2,04 2,07 2,30 1,74 1,97 2,01 2,15 2,08 2,30 2,20 2,20 2,27

Tabel 6.5 Aktiva Produktif BPD

Des Des 2 0 0 4


44





Milyar Rp


2 0 0 3

49.941 45.586 44.273 44.328 46.267 45.079 43.950 47.319 47.600 48.013 48.320 52.464 52.072 50.069 51.15137.658 35.341 35.294 35.159 37.627 36.317 35.760 39.014 39.383 39.479 39.843 43.864 43.569 41.967 42.716

4.583 4.517 4.368 4.681 4.369 4.507 4.374 4.332 4.306 4.710 4.562 4.698 4.979 4.649 4.8712.280 1.821 1.409 1.415 1.328 1.395 1.345 1.419 1.437 1.361 1.350 1.546 1.516 1.573 1.6651.935 1.398 1.032 960 849 743 518 492 509 544 542 528 503 465 4803.484 2.508 2.170 2.112 2.094 2.117 1.953 2.062 1.965 1.918 2.024 1.829 1.505 1.415 1.419

7.699 5.727 4.611 4.487 4.271 4.255 3.816 3.973 3.911 3.823 3.916 3.903 3.524 3.453 3.56415,42 12,56 10,41 10,12 9,23 9,44 8,68 8,40 8,22 7,96 8,10 7,44 6,77 6,90 6,97

29.162 25.111 24.304 24.465 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.78517.732 16.364 16.715 16.668 17.465 17.839 17.980 18.248 18.068 17.921 18.499 19.910 20.534 21.095 21.935

4.108 4.071 3.976 4.314 4.034 4.169 4.011 3.992 3.937 4.281 4.115 4.213 4.497 4.137 4.3312.164 1.011 643 617 601 654 671 702 702 624 604 712 725 747 8161.839 1.386 1.001 923 818 714 490 462 482 519 502 516 489 450 4653.320 2.280 1.969 1.943 1.924 1.970 1.823 1.929 1.807 1.760 1.864 1.639 1.310 1.232 1.239

7.323 4.677 3.613 3.483 3.343 3.338 2.984 3.093 2.991 2.903 2.970 2.867 2.524 2.429 2.52025,11 18,63 14,87 14,24 13,46 13,17 11,95 12,21 11,97 11,56 11,61 10,62 9,16 8,78 8,75

Tabel 6.6 Aktiva Produktif Bank Campuran

Des Des 2 0 0 4


45





Milyar Rp


2 0 0 3

103.570 89.627 85.504 84.376 89.243 90.140 92.635 96.040 96.316 95.307 95.411 106.555 102.640 99.327 103.32689.206 78.937 77.210 76.038 80.724 80.815 83.127 87.083 87.710 87.001 86.604 97.355 93.885 89.731 94.0681.951 3.974 3.699 4.011 4.127 4.571 5.070 4.796 4.594 4.298 4.634 4.821 4.724 5.560 5.4192.258 1.578 1.293 1.226 1.249 1.373 1.336 1.290 1.228 1.202 1.355 1.457 1.510 1.648 1.5642.197 1.191 909 875 865 916 909 866 829 780 779 814 599 683 5527.958 3.947 2.393 2.227 2.277 2.465 2.192 2.006 1.955 2.026 2.039 2.107 1.923 1.704 1.723

12.413 6.716 4.595 4.328 4.391 4.754 4.437 4.162 4.012 4.008 4.173 4.378 4.032 4.035 3.83911,99 7,49 5,37 5,13 4,92 5,27 4,79 4,33 4,17 4,21 4,37 4,11 3,93 4,06 3,72

44.677 36.341 34.023 34.183 34.578 36.513 35.545 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.54731.226 27.521 26.412 26.635 26.852 28.121 27.303 28.582 28.420 28.787 29.095 30.218 31.722 31.912 34.2361.713 2.955 3.273 3.552 3.616 3.995 4.164 4.027 3.595 3.496 3.668 3.743 3.572 3.705 3.8662.139 1.338 1.192 1.097 1.132 1.170 1.123 1.113 1.066 1.040 1.208 1.279 1.310 1.406 1.4271.938 1.082 873 840 827 879 872 819 774 732 730 752 542 633 5107.661 3.445 2.272 2.058 2.151 2.349 2.083 1.897 1.847 1.915 1.928 1.860 1.650 1.489 1.508

11.738 5.865 4.337 3.995 4.110 4.398 4.078 3.829 3.687 3.687 3.866 3.891 3.502 3.528 3.44526,27 16,14 12,75 11,69 11,89 12,05 11,47 10,51 10,33 10,25 10,55 10,28 9,03 9,01 8,29

Tabel 6.7 Aktiva Produktif Bank Asing

Des Des 2 0 0 4


46

NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5%

Jumlah Bank

Tabel 7.1 Pengelompokkan Bank Berdasarkan Rasio NPL

Desember 2001 Desember 2002 Agustus 2003 Desember 2003

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Total

3 2 1 4 2 3 2 3 2 3

21 17 24 12 29 7 29 7 25 10

32 10 32 8 31 9 34 6 32 7

19 7 22 4 23 3 25 1 21 5

4 20 9 15 7 13 7 12 7 11

1 9 2 8 3 7 3 7 4 7

80 65 90 51 95 42 100 36 91 43

Kelompok Bank Agustus 2004

Ket: - Jumlah Bank Campuran pada Desember 2003 sebanyak 20 Bank, data yang tersedia sebanyak 19 Bank - Jumlah Bank Campuran pada Agustus 2004 sebanyak 19 Bank, data yang tersedia sebanyak 18 Bank - Jumlah Bank Asing pada Desember 2003 sebanyak 10 Bank, data yang tersedia sebanyak 11 Bank


47

1. Pertanian, perburuan dan sarana pertanian

2. Pertambangan

3. Perindustrian

4. Listrik, gas dan air

5. Konstruksi

6. Perdagangan, restoran dan hotel

7. Pengangkutan, pergudangan dan komunikasi

8. Jasa Dunia usaha

9. Jasa sosial/masyarakat

10. Lain-lain

Milyar Rp


2 0 0 3

3.945 3.074 2.739 2.401 2.270 2.117

541 310 261 265 288 295

20.170 14.335 12.257 12.873 13.660 13.106

126 568 660 674 672 328

1.211 890 988 926 909 758

5.453 3.950 4.494 4.469 4.652 4.911

1.058 261 1.206 1.151 1.121 1.162

3.570 2.000 2.674 2.566 2.729 2.057

225 123 343 349 2.073 2.084

2.354 2.327 2.683 2.812 2.965 3.046

Tabel 7.2 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi

Des DesSektor Ekonomi

2004

2.185 2.172

290 271

11.506 11.792

333 297

846 688

5.922 6.279

1.175 1.177

2.081 2.147

2.122 2.134

3.014 3.271

2.149

266

9.762

302

789

5.748

1.093

2.239

2.218

3.534

2.177

241

14.231

439

749

4.966

1.462

2.151

456

3.630

2.118

276

12.240

352

761

5.587

1.304

2.129

427

3.592

2.455

225

14.498

389

794

4.778

1.472

2.382

416

3.014

2.379

213

14.053

369

620

4.635

1.514

2.396

430

3.121

2.379

213

14.053

369

620

4.635

1.514

2.396

430

3.121

2.314

168

13.783

378

629

4.609

1.752

2.462

461

3.173


48


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

1.653 1.152 1.573 1.481 1.291 1.199 975 991

285 72 78 86 88 52 47 47

3.601 4.681 4.935 4.677 5.380 5.924 4.994 3.907

18 85 4 3 9 5 1 6

393 277 501 726 672 656 568 576

1.320 1.450 2.082 2.145 2.075 2.170 1.963 2.951

65 139 509 657 598 578 573 560

724 207 336 742 637 908 415 436

23 30 219 242 245 1.965 1.982 2.008

745 995 1.125 981 1.066 1.172 1.431 1.276

Tabel 7.3 Non Performing Loan Bank Persero Berdasarkan Sektor Ekonomi


2004

1.062

27

3.964

11

443

3.202

477

456

2.091

1.659

1.039

33

4.489

9

437

3.291

562

439

2.005

1.466

1.186

37

8.288

57

377

2.289

570

317

346

1.705

1.077

33

6.139

57

404

3.015

472

331

312

1.676

1.413

21

8.803

2

438

2.410

574

376

321

1.309

1.376

19

8.178

2

268

2.213

614

365

335

1.375

1.337

18

8.130

2

227

2.191

840

390

360

1.374


49


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

856 1.159 844 823 669 621 837 877

126 56 52 66 66 125 141 136

3.580 2.310 2.340 2.588 2.560 2.464 3.161 2.773

31 433 336 616 623 625 286 287

443 271 73 75 69 71 61 74

1.770 1.158 1.056 1.245 1.256 1.334 2.020 2.068

666 50 151 497 500 489 532 546

2.002 1.409 1.317 1.381 1.349 1.278 1.181 1.126

37 17 59 41 40 46 52 52

363 473 671 676 689 717 566 631

Tabel 7.4 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi


2004

763

132

1.202

291

163

1.654

554

1.287

67

698

810

132

2.571

287

75

2.169

545

1.213

47

678

673

156

1.173

314

168

1.820

824

1.282

56

748

717

135

1.235

295

161

1.712

765

1.302

74

721

733

154

1.372

318

148

1.617

833

1.449

61

732

701

145

1.620

310

153

1.672

833

1.422

71

766

662

99

1.524

318

161

1.601

844

1,450

79

783


50


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

41 15 18 18 56 57 52 56

3 - - - - - 1 2

66 93 78 76 88 81 89 104

- - - - - 0 0 0

21 10 16 18 17 16 25 57

110 110 138 127 123 114 152 162

21 15 16 19 19 18 22 30

44 39 35 34 36 35 25 50

11 6 5 6 7 6 5 14

98 170 205 204 204 199 154 175

Tabel 7.5 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi


2004

55

1

107

0

55

148

28

51

15

184

56

2

110

0

57

155

30

50

14

180

54

1

123

0

46

153

25

54

9

139

54

1

135

0

49

146

28

50

14

179

52

1

139

0

44

125

24

55

8

129

52

1

135

0

42

121

24

62

10

134

52

1

111

0

43

135

23

62

7

145


51


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

88 66 60 59 58 67 42 50

- - 6 8 8 8 4 4

43 37 37 42 41 32 28 36

- - - 0 0 0 0 0

159 95 116 114 111 115 87 92

101 112 180 193 210 265 170 192

6 6 14 14 15 16 16 20

12 21 38 36 40 58 46 62

5 8 15 16 18 16 8 10

66 71 97 96 97 99 89 109

Tabel 7.6 Non Performing Loan BPD Berdasarkan Sektor Ekonomi


2004

57

3

38

0

111

264

16

57

11

107

55

3

36

0

104

202

21

59

11

109

76

3

38

0

141

245

21

95

14

121

56

3

38

0

131

231

20

60

11

113

69

4

31

0

148

235

21

105

15

113

68

5

37

0

138

255

24

107

12

110

79

5

37

0

153

260

24

109

13

117


52


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

865 534 298 289 259 259 211 212

93 36 60 59 60 60 59 60

4.551 3.015 2.382 2.276 2.148 2.177 2.019 2.034

77 50 41 40 41 41 40 40

189 201 55 54 55 50 16 46

799 399 416 403 413 378 259 314

26 37 19 19 19 19 19 19

414 269 194 204 205 205 208 209

54 45 41 39 40 40 36 37

256 91 107 100 104 110 117 123

Tabel 7.7 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi


2004

212

60

1.906

-

15

312

19

226

17

135

212

60

1.997

-

15

295

19

224

40

130

188

-

1,941

13

16

288

21

239

12

150

214

61

1.955

-

15

322

19

225

16

143

189

-

1.623

13

17

274

21

217

12

159

182

-

1.571

3

17

260

20

209

2

165

185

-

1.604

3

45

305

21

182

2

172


53


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

442 148 71 70 67 67 - -

34 146 130 42 42 42 42 42

8.330 4.201 2.694 2.598 2.656 2.982 2.816 2.651

- - - - - - - -

7 34 1 1 1 1 1 1

1.352 723 391 383 391 391 348 236

276 15 - - - - - -

375 54 376 275 300 245 182 199

94 18 - - - - - -

827 525 675 626 652 669 689 700

Tabel 7.8 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi


2004

-

42

2.545

-

1

168

-

163

17

751

-

42

2.589

-

1

167

-

163

17

708

-

45

2.668

56

1

171

-

164

18

767

-

43

2.739

-

1

161

-

161

-

759

-

45

2.530

56

-

117

-

181

-

571

-

375

2.511

55

1

114

-

232

-

572

-

547

2.376

56

1

116

-

268

-

582


54

Milyar Rp


2 0 0 3

Tabel 7.9 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan

Des DesJenis Penggunaan

Modal Kerja Properti Agrobisnis Lainnya

Total Modal Kerja

Investasi Properti Agrobisnis Lainnya

Total Investasi

Konsumsi KPR dan Apartemen s.d Type 70 KPR dan Apartemen > type 70 Ruko dan Rukan Lainnya

Total Konsumsi

334 177 215 205 219 208 173 237 224 225 222 227 353 344 351359 302 558 479 617 677 522 562 514 427 452 463 519 574 451

19.447 15.432 14.583 14.224 14.637 17.165 16.850 16.882 16.981 14.962 15.153 16.243 16.550 16.128 16.382

20.140 15.911 15.355 14.908 15.473 18.049 17.545 17.681 17.719 15.614 15.827 16.934 17.422 17.045 17.184

766 629 448 672 680 684 583 443 424 383 389 430 430 430 4442.385 1.909 1.268 1.310 1.182 1.084 1.107 1.192 1.270 1.175 1.163 1.114 1.249 1.134 1.1629.602 7.753 7.684 8.813 8.424 8.639 7.654 7.220 7.617 7.471 7.892 8.468 8.392 8.087 7.860

12.754 10.291 9.399 10.796 10.286 10.408 9.344 8.855 9.312 9.028 9.443 10.012 10.071 9.652 9.465

255 216 194 202 200 491 419 508 536 502 517 526 511 527 542113 160 201 208 223 231 192 213 237 257 245 269 264 284 29114 16 23 30 31 36 31 35 35 39 34 35 35 35 39

810 1.716 2.110 2.161 2.273 2.122 2.333 2.181 2.389 2.660 2.720 2.727 2.123 2.188 2.208

1.191 2.107 2.529 2.602 2.727 2.880 2.975 2.938 3.197 3.459 3.516 3.555 2.933 3.033 3.080

2004


55

Milyar Rp


2 0 0 3

Tabel 7.10 Non Performing Loan Bank Persero Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

95 22 50 41 54 42 58 67 47 77 79 86 88 77 76331 231 429 349 449 468 356 350 365 313 342 355 352 410 343

3.911 4.551 5.724 5.623 5.569 8.199 7.055 7.323 7.683 7.456 7.525 8.639 9.324 8.812 8.988

4.336 4.804 6.202 6.013 6.072 8.709 7.469 7.740 8.095 7.846 7.946 9.081 9.764 9.300 9.407

23 20 18 203 207 212 198 6 7 4 5 17 74 75 791.488 721 580 591 595 572 364 332 325 336 323 339 505 459 4522.577 2.706 3.698 4.028 4.202 4.044 3.555 3.474 3.946 3.616 3.635 4.097 4.089 3.618 3.643

4.088 3.446 4.295 4.822 5.004 4.828 4.116 3.812 4.278 3.956 3.962 4.454 4.669 4.152 4.174

147 95 78 84 83 371 311 393 422 386 409 407 398 406 4126 5 10 12 13 9 8 9 14 14 14 15 14 16 174 3 3 3 3 10 8 11 11 11 14 13 14 13 16

249 736 771 806 887 702 1.037 792 951 1.179 1.170 1.202 807 856 843

406 839 862 905 986 1.092 1.364 1.205 1.397 1.590 1.607 1.637 1.233 1.291 1.287

2004


56

Milyar Rp


2 0 0 3

Tabel 7.11 Non Performing Loan BUSN Devisa Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

179 42 72 71 75 77 62 71 74 63 66 63 192 195 2018 26 107 108 107 148 112 143 81 44 43 44 104 101 40

5.117 3.209 3.018 3.200 3.632 3.282 4.647 4.379 4.263 2.559 2.483 2.421 2.409 2.591 2.596

5.304 3.277 3.198 3.378 3.815 3.506 4.822 4.594 4.418 2.666 2.592 2.528 2.705 2.887 2.838

294 182 84 126 128 126 129 224 235 194 197 214 214 218 224261 681 397 436 302 226 471 582 667 579 578 538 538 451 483

3.784 3.199 2.569 3.392 2.889 3.197 2.848 2.538 2.529 2.674 3.029 3.185 3.227 3.370 3.194

4.339 4.062 3.050 3.954 3.318 3.549 3.448 3.344 3.432 3.447 3.804 3.938 3.979 4.039 3.901

74 79 69 69 69 71 59 64 67 72 69 71 66 69 77100 144 186 191 202 216 176 194 205 201 218 240 235 253 257

6 11 18 26 25 25 21 22 22 26 19 20 19 20 21114 228 378 390 392 406 310 351 384 399 415 418 411 424 427

295 462 651 676 689 717 566 631 678 698 721 748 732 766 782

2004


57

Milyar Rp


2 0 0 3

Tabel 7.12 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

19 7 8 8 8 8 12 40 40 39 31 31 30 30 302 2 7 7 46 46 39 54 54 53 53 52 52 52 56

234 227 231 219 223 211 247 312 310 297 324 317 300 298 287

254 237 245 234 276 264 298 405 403 390 408 399 381 379 372

7 5 7 7 7 7 7 7 7 7 7 7 7 7 75 4 4 4 4 4 1 2 2 2 2 1 1 1 1

69 51 53 52 59 53 66 62 62 61 61 59 58 59 53

80 59 65 64 71 64 74 71 71 69 70 67 66 67 62

22 25 29 30 29 30 32 34 30 30 23 29 29 34 363 8 3 3 5 4 6 7 15 14 10 10 10 10 133 1 - - - - - - - - - - - - -

57 133 170 169 169 164 115 132 134 138 145 99 90 89 95

85 166 202 203 203 198 153 174 179 182 178 137 129 134 144

2004


58

Milyar Rp


2 0 0 3

Tabel 7.13 Non Performing Loan BPD Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

5 44 36 38 32 33 28 29 33 15 15 15 13 12 143 3 4 3 4 4 4 4 4 5 6 4 4 3 4

250 173 275 281 303 368 239 275 303 381 352 409 401 415 440

258 221 315 322 339 405 271 307 339 400 373 429 417 430 458

2 2 2 3 3 3 3 4 3 4 3 3 3 3 375 50 27 27 27 28 14 18 18 21 21 21 21 21 21

101 81 131 135 138 146 118 143 134 136 157 185 192 198 204

178 132 159 164 167 176 135 164 156 161 181 210 216 222 228

12 16 18 19 19 19 17 17 17 15 16 18 17 17 17 - - 1 1 1 1 1 1 1 1 2 2 2 2 31 1 1 1 1 1 1 1 1 1 1 1 1 1 1

32 46 69 72 72 74 67 87 85 86 90 95 88 84 91

45 63 89 93 93 95 86 105 105 102 108 116 108 105 112

2004


59

Milyar Rp


2 0 0 3

Tabel 7.14 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

44 33 23 23 23 23 4 23 23 23 23 25 24 23 24131 26 11 11 11 11 11 11 11 11 7 8 8 7 8

4.344 2.553 2.001 1.893 1.817 1.808 1.659 1.724 1.679 1.594 1.623 1.581 1.431 1.421 1.517

4.519 2.611 2.035 1.927 1.851 1.842 1.674 1.758 1.713 1.628 1.653 1.613 1.463 1.452 1.548

271 282 206 204 204 205 137 203 172 174 177 189 131 128 131297 432 260 252 254 255 258 258 258 237 239 214 184 201 205

2.190 1.293 1.016 1.001 929 927 799 750 718 729 759 701 587 483 464

2.758 2.007 1.482 1.457 1.387 1.387 1.193 1.211 1.148 1.140 1.174 1.104 902 812 800

- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

30 57 95 99 104 110 116 123 129 135 143 150 159 165 172

30 57 95 100 104 110 117 123 130 135 143 150 159 165 172

2004


60

Milyar Rp


2 0 0 3

Tabel 7.15 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

37 28 26 25 26 26 8 8 8 8 8 8 7 6 616 13 - - - - - - - - - - - - -

9.935 4.719 3.333 3.008 3.093 3.298 3.003 2.868 2.743 2.674 2.847 2.876 2.684 2.591 2.556

9.988 4.761 3.359 3.034 3.119 3.324 3.011 2.876 2.751 2.682 2.855 2.884 2.691 2.597 2.562

168 139 131 130 131 132 109 - - - - - - - -261 22 - - - - - - - - - - - - -881 424 217 205 207 273 269 253 228 255 251 239 240 360 301

1.311 585 348 335 338 405 378 253 228 255 251 239 240 360 301

- - - - - - - - - - - - - - -3 3 2 1 2 1 2 2 2 27 2 2 2 2 2- - 1 - 1 1 1 1 1 1 1 1 1 1 1

328 516 628 625 649 666 686 696 705 723 756 764 568 569 579

332 520 631 626 652 669 689 700 708 751 759 767 571 571 582

2004


61

Milyar Rp


2 0 0 3

Tabel 7.16 Non Performing Penerusan Kredit ( Off Balancesheet )

Des DesKelompok Bank

Bank PerseroNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

BUSN DevisaNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

BUSN Non DevisaNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

BPDNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

Bank CampuranNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

Bank AsingNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

Bank UmumNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

3.096 3.568 5.679 5.879 5.728 5.780 7.494 7.641 7.65238.367 34.810 33.355 32.881 32.225 32.843 32.095 32.160 31.963

8,07 10,25 17,03 17,88 17,78 17,60 23,35 23,76 23,94

919 945 943 943 956 943 954 961 9572.525 2.528 2.510 2.524 2.507 2.517 2.508 2.507 2.55136,41 37,38 37,57 37,36 38,13 37,44 38,04 38,32 37,52

14 15 14 14 14 14 13 14 1449 45 43 43 43 43 42 43 43

28,57 33,12 32,79 32,77 32,74 32,72 31,28 32,73 32,69

718 806 864 857 843 861 819 875 8601.662 1.846 1.844 1.870 1.896 2.013 1.956 2.008 1.71343,18 43,68 46,85 45,80 44,45 42,75 41,88 43,58 50,22

- - - - - - - - - - - - - - - - - -- - - - - - - - -

- - - - - - - - - - - - - - - - - -- - - - - - - - -

4.747 5.335 7.500 7.693 7.541 7.598 9.280 9.491 9.48342.603 39.230 37.752 37.318 36.671 37.417 36.601 36.717 36.270

11,14 13,60 19,87 20,61 20,56 20,30 25,35 25,85 26,15

2004

7.34332.741

22.43

1.0562.55441.35

1443

32.62

9001.85648.50

---

- --

9.31437.194

25,04

7.73432.11624,08

9462.53637,30

1443

32,69

8941.83448,76

---

---

9.58836.530

26,25

7.76932.03324,25

9592.53437,84

1443

32,68

8991.85048,60

-- -

- - -

9.64136.46026,44

7.37932.834

22,47

1.1232.55643,96

1442

32,59

9851.85952,98

---

- - -

9.50137.291

25,48

7.14632.12422,24

1.1262.50644,94

1442

32,59

9871.85953,10

-- -

- - -

9.27336.53225,38

7.18632.452

22,14

1.1262.55844,03

1442

32,59

9851.85953.01

-- -

- - -

9.31136.91125,23


62

Tabel 8.1 Komposisi DPK Bank Umum

Desember 2001 Desember 2002 Agustus 2003

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas

Total DPKRupiahValas

184.869 23,19 196.226 23,48 207.945 24,24 217.998 24,53 246.408 26,81119.995 15,05 130.238 15,58 142.208 16,57 150.117 16,89 166.996 18,1764.874 8,14 65.988 7,90 65.737 7,66 67.881 7,64 79.412 8,64

439.905 55,17 446.191 53,39 440.365 51,32 428.833 48,26 407.518 44,33344.854 43,25 364.567 43,62 365.600 42,61 351.840 39,60 335.141 36,4695.051 11,92 81.624 9,77 74.765 8,71 76.993 8,66 72.377 7,87

172.588 21,64 193.361 23,14 209.720 24,44 241.736 27,21 265.325 28,86171.304 21,48 192.589 23,04 209.042 24,36 240.663 27,08 264.644 28,79

1.284 0,16 772 0,09 678 0,08 1.073 0,12 681 0,07

797.362 100 835.778 100 858.031 100 888.567 100 919.252 100636.153 79,78 687.394 82,25 716.851 83,55 742.619 83,57 766.781 83,41161.209 20,22 148.384 17,75 141.180 16,45 145.948 16,43 152.471 16,59

Desember 2003

Milyar Rp

Nominal Komposisi thdTotal DPK (%)





Agustus 2004


63

Tabel 8.2 Komposisi DPK Bank Persero


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


64.188 17,62 67.017 18,09 75.487 20,25 77.136 20,93 85.924 23,7850.780 13,94 51.157 13,81 57.762 15,50 59.839 16,24 66.529 18,4113.408 3,68 15.860 4,28 17.725 4,75 17.297 4,69 19.395 5,37

220.211 60,46 212.896 57,46 197.895 53,09 177.770 48,24 150.523 41,65183.582 50,41 181.524 48,99 169.869 45,57 149.656 40,61 127.927 35,4036.629 10,06 31.372 8,47 28.026 7,52 28.114 7,63 22.596 6,25

79.807 21,91 90.630 24,46 99.387 26,66 113.574 30,82 124.939 34,5779.645 21,87 90.571 24,44 99.311 26,64 113.486 30,80 124.798 34,53

162 0,04 59 0,02 76 0,02 88 0,02 141 0,04

364.206 100 370.542 100 372.769 100 368.479 100 361.387 100314.007 86,22 323.252 87,24 326.942 87,71 322.981 87,65 319.255 88,3450.199 13,78 47.290 12,76 45.827 12,29 45.498 12,35 42.132 11,66

Desember 2003

Milyar Rp






Agustus 2004


64

Tabel 8.3 Komposisi DPK BUSN Devisa


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


60.981 20,99 67.497 21,02 67.882 20,63 78.313 21,72 86.480 22,9036.677 12,62 42.553 13,25 42.349 12,87 51.153 14,19 55.655 14,7424.304 8,36 24.944 7,77 25.533 7,76 27.160 7,53 30.825 8,16

149.358 51,40 164.574 51,25 164.856 50,11 172.348 47,80 168.646 44,65125.120 43,06 140.505 43,76 141.620 43,05 148.832 41,28 148.582 39,3424.238 8,34 24.069 7,50 23.236 7,06 23.516 6,52 20.064 5,31

80.237 27,61 89.040 27,73 96.262 29,26 109.875 30,48 122.551 32,4580.232 27,61 89.032 27,73 96.252 29,26 109.863 30,47 122.524 32,44

5 - 8 - 10 - 12 0,00 27 -

290.576 100 321.111 100 329.001 100 360.536 100 377.678 100242.029 83,29 272.090 84,73 280.221 85,17 309.848 85,94 326.762 86,5248.547 16,71 49.021 15,27 48.780 14,83 50.688 14,06 50.916 13,48

Desember 2003

Milyar Rp






Agustus 2004


65

Tabel 8.4 Komposisi DPK BUSN Non Devisa


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


1.352 9,79 1.433 8,40 1.477 7,65 1.718 8,59 2.024 10,591.352 9,79 1.433 8,40 1.477 7,65 1.718 8,59 2.024 10,59

- - - - - - - 0,00 - -

10.690 77,42 13.866 81,33 15.845 82,07 16.271 81,40 14.949 78,2110.690 77,42 13.866 81,33 15.845 82,07 16.271 81,40 14.949 78,21

- - - - - - - 0,00 - -

1.766 12,79 1.751 10,27 1.985 10,28 2.000 10,01 2.142 11,211.766 12,79 1.751 10,27 1.985 10,28 2.000 10,01 2.142 11,21

- - - - - - - 0,00 - -

13.808 100 17.050 100 19.307 100 19.989 100 19.114 10013.808 100 17.050 100 19.307 100 19.989 100 19.114 100

- - - - - - - 0.00 - -

Desember 2003

Milyar Rp






Agustus 2004


66

Tabel 8.5 Komposisi DPK BPD


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


22.785 61,63 25.773 56,32 31.250 54,08 26.492 51,25 29.095 51,3222.769 61,59 25.750 56,27 30.979 53,61 26.452 51,17 29.019 51,18

16 0,04 23 0,05 271 0,47 40 0,08 76 0,13

7.025 19,00 10.987 24,01 17.416 30,14 12.553 24,28 15.347 27,077.011 18,97 10.970 23,97 17.401 30,11 12.536 24,25 15.327 27,03

14 0,04 17 0,04 15 0,03 17 0,03 20 0,04

7.158 19,36 8.998 19,66 9.118 15,78 12.650 24,47 12.254 21,617.158 19,36 8.998 19,66 9.118 15,78 12.650 24,47 12.254 21,61

- - - - - - - 0,00 - -

36.968 100 45.758 100 57.785 100 51.695 100 56.695 10036.938 99,92 45.717 99,91 57.499 99,51 51.638 99,89 56.600 99,83

30 0,08 41 0,09 286 0,49 57 0,11 95 0,17

Desember 2003

Milyar Rp






Agustus 2004


67

Tabel 8.6 Komposisi DPK Bank Campuran


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


9.870 42,24 9.244 43,16 8.416 42,13 8.938 40,95 8.509 31,992.194 9,39 2.609 12,18 2.182 10,92 2.314 10,60 3.281 12,347.676 32,85 6.635 30,98 6.234 31,21 6.624 30,35 5.228 19,66

12.819 54,86 11.907 55,59 11.224 56,19 12.452 57,05 14.733 55,394.295 18,38 4.642 21,67 5.379 26,93 6.167 28,25 6.947 26,128.524 36,48 7.265 33,92 5.845 29,26 6.285 28,79 7.786 29,27

677 2,90 266 1,24 335 1,68 437 2,00 355 1,33200 0,86 136 0,63 186 0,93 238 1,09 355 1,33477 2,04 130 0,61 149 0,75 199 0,91 - 0,00

23.366 100 21.418 100 19.974 100 21.827 100 26.597 1006.689 28,63 7.388 34,49 7.746 38,78 8.719 39,95 10.583 39,79

16.677 71,37 14.030 65,51 12.228 61,22 13.108 60,05 16.014 60,21

Desember 2003

Milyar Rp






Agustus 2004


68

Tabel 8.7 Komposisi DPK Bank Asing


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


25.692 37,54 25.262 42,17 23.434 39,59 25.401 38,46 31.376 40,346.222 9,09 6.735 11,24 7.460 12,60 8.640 13,08 10.487 13,48

19.470 28,45 18.527 30,93 15.974 26,99 16.761 25,38 20.889 26,86

39.803 58,16 31.962 53,36 33.130 55,97 37.439 56,69 43.320 55,6914.157 20,69 13.061 21,80 15.487 26,16 18.377 27,83 21.408 27,5225.646 37,47 18.901 31,55 17.643 29,80 19.062 28,86 21.912 28,17

2.941 4,30 2.677 4,47 2.632 4,45 3.201 4,85 3.084 3,962.302 3,36 2.102 3,51 2.190 3,70 2.427 3,67 2.571 3,31

639 0,93 575 0,96 442 0,75 774 1,17 513 0,66

68.436 100 59.900 100 59.195 100 66.041 100 77.781 10022.681 33,14 21.898 36,56 25.137 42,46 29.444 44,58 34.467 44,3145.755 66,86 38.002 63,44 34.058 57,54 36.597 55,42 43.314 55,69

Desember 2003

Milyar Rp






Agustus 2004


69

Tabel 8.8 Peringkat Bank Berdasarkan Dana Pihak Ketiga

Milyar Rp

1 PT Bank Mandiri 189.856 23,81 PT Bank Mandiri 182.963 21,89 PT Bank Mandiri 177.913 20,74 PT Bank Mandiri 177.253 19,95 PT Bank Mandiri 163.691 17,812 PT Bank Negara Indonesia Tbk 100.946 12,66 PT Bank Central Asia Tbk 103.698 12,41 PT Bank Central Asia Tbk 104.799 12,21 PT Bank Central Asia Tbk 118.010 13,28 PT Bank Central Asia Tbk 125.119 13,613 PT Bank Central Asia Tbk 90.264 11,32 PT Bank Negara Indonesia Tbk 98.439 11,78 PT Bank Negara Indonesia Tbk 102.359 11,93 PT Bank Negara Indonesia Tbk 104.713 11,78 PT Bank Negara Indonesia Tbk 99.776 10,854 PT Bank Rakyat Indonesia 57.788 7,25 PT Bank Rakyat Indonesia 69.226 8,28 PT Bank Rakyat Indonesia 73.198 8,53 PT Bank Rakyat Indonesia 67.387 7,58 PT Bank Rakyat Indonesia 79.368 8,635 PT Bank Danamon Indonesia Tbk 39.799 4,99 PT Bank Danamon Indonesia Tbk 34.898 4,18 PT Bank Danamon Indonesia Tbk 32.295 3,76 PT Bank Danamon Indonesia Tbk 39.623 4,46 PT Bank Danamon Indonesia Tbk 35.244 3,836 PT Bank Internasional Indonesia Tbk 24.956 3,13 PT Bank Internasional Indonesia Tbk 29.356 3,51 PT Bank Internasional Indonesia Tbk 29.207 3,40 PT Bank Internasional Indonesia Tbk 28.541 3,21 PT Bank Internasional Indonesia Tbk 28.804 3,137 Citibank N.A 20.897 2,62 PT Lippo Bank Tbk 22.056 2,64 PT Bank Permata Tbk 22.943 2,67 PT Lippo Bank Tbk 23.532 2,65 PT Lippo Bank Tbk 24.414 2,668 PT Lippo Bank Tbk 20.023 2,51 PT Bank Permata Tbk 21.850 2,61 PT Lippo Bank Tbk 21.705 2,53 PT Bank Permata Tbk 23.446 2,64 PT Bank Permata Tbk 24.366 2,659 PT Bank Tabungan Negara 18.916 2,37 PT Bank Tabungan Negara 19.913 2,38 PT Bank Tabungan Negara 19.299 2,25 PT Bank Niaga Tbk 19.350 2,18 PT Bank Niaga Tbk 21.781 2,3710 PT Banlk Niaga Tbk 17.298 2,17 Citibank N.A 18.491 2,21 Citibank N.A 17.832 2,08 Citibank N.A 19.318 2,17 Citibank N.A 20.494 2,23


Peringkat

Desember 2001 Desember 2003

Nama BankTotalDPK

Pangsa thdTotal DPK

Bank Umum (%)Nama Bank

TotalDPK

Pangsa thdTotal DPK


TotalDPK

Pangsa thdTotal DPK


TotalDPK

Pangsa thdTotal DPK


TotalDPK

Pangsa thdTotal DPK

Bank Umum (%)



70

Rupiah Valas Rupiah Valas Rupiah Valas Rupiah Valas TotalGiro Tabungan Deposito Total DPK

Tabel 8.9 Penghimpunan DPK Berdasarkan Lokasi ( Agustus 2004 )

Pangsa ThdTotal DPK

(%)Milyar Rp11.573 3.447 27.244 59 30.003 3.898 68.820 7.404 76.223 8,293.972 617 5.230 1 4.754 547 13.956 1.165 15.121 1,64

90.302 56.314 80.630 319 202.867 55.686 373.799 112.320 486.119 52,881.690 377 5.014 2 2.830 280 9.534 659 10.192 1,116.222 2.189 21.333 97 13.492 1.362 41.047 3.648 44.695 4,86

15.680 5.772 34.256 44 31.805 4.745 81.742 10.561 92.303 10,04362 19 896 - 317 5 1.575 24 1.599 0,17953 168 2.497 2 1.191 48 4.642 217 4.859 0,53

2.440 107 2.893 0 1.379 67 6.712 173 6.885 0,756.047 2.433 17.028 95 14.195 2.170 37.270 4.698 41.968 4,571.474 210 3.590 1 2.091 139 7.156 350 7.506 0,825.764 1.901 9.575 0 3.734 387 19.072 2.289 21.361 2,322.135 768 5.776 0 4.424 446 12.334 1.214 13.549 1,47

657 41 1.364 0 503 64 2.523 105 2.628 0,291.204 228 2.843 1 1.536 101 5.583 330 5.913 0,641.159 286 3.538 1 1.124 72 5.821 358 6.179 0,671.204 421 4.812 0 1.863 64 7.879 485 8.364 0,913.293 938 7.761 0 3.992 424 15.046 1.362 16.408 1,78

988 21 1.656 0 487 14 3.130 35 3.166 0,34586 43 1.487 - 474 16 2.546 59 2.606 0,28

2.348 544 7.254 2 3.335 144 12.937 689 13.626 1,48459 230 2.036 0 1.110 152 3.605 381 3.987 0,43145 5 437 0 124 14 707 19 725 0,08480 27 1.030 0 298 3 1.808 30 1.838 0,20587 68 1.691 0 576 18 2.854 86 2.940 0,32

2.204 1.233 6.233 2 3.986 420 12.423 1.654 14.077 1,531.164 32 1.955 0 888 33 4.008 66 4.074 0,44

553 69 1.236 0 496 21 2.286 90 2.375 0,261.238 252 2.973 0 1.125 73 5.336 325 5.661 0,62

113 1 377 - 140 1 630 1 631 0,07- 653 - 54 - 964 - 1.672 1.672 0,18

166.996 79.412 264.644 681 335.141 72.377 766.781 152.471 919.251 100

Jawa BaratBantenDKI JakartaD.I YogyakartaJawa TengahJawa TimurBengkuluJambiNanggroe Aceh DarussalamSumatera UtaraSumatera BaratRiauSumatera SelatanBangka BelitungLampungKalimantan SelatanKalimantan BaratKalimantan TimurKalimantan TengahSulawesi TengahSulawesi SelatanSulawesi UtaraGorontaloSulawesi TenggaraNusa Tenggara BaratBaliNusa Tenggara TimurMalukuPapuaMaluku UtaraDi Luar Indonesia

Total

Lokasi


71

Milyar Rp


2 0 0 3

Tabel 8.10 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan

Des Des

Jawa BaratBantenDKI JakartaD.I YogyakartaJawa TengahJawa TimurBengkuluJambiNanggroe Aceh DarussalamSumatera UtaraSumatera BaratRiauSumatera SelatanBangka BelitungLampungKalimantan SelatanKalimantan BaratKalimantan TimurKalimantan TengahSulawesi TengahSulawesi SelatanSulawesi UtaraGorontaloSulawesi TenggaraNusa Tenggara BaratBaliNusa Tenggara TimurMalukuPapuaMaluku UtaraDi Luar Indonesia

Total

L o k a s i2004

72.78514.447

479.4759.118

43.966 90.349

1.5294.7786.224

40.0807.452

19.353 12.790

2.6625.7615.8518.046

15.2353.0552.522

13.5303.902

7161.7942.883

12.9623.9552.3445.454

6041.495

895.117

85.583

464.604 9.22743.21988.9571.4754.557 6.55740.1347.210

19.08815.069

5.7785.646

7.85815.3183.0122.564

13.3754.586

1.818 2.80213.1193.804 2.230 5.601 615

1.198

875.004

84.519

463.8249.352

43.20388.6701.4904.708

6.357 40.258

7.20518.98215.314

5.6605.608

7.86515.234 3.0382.521

13.2674.522

1.7192.796

13.2043.872

2.2505.501 606

1.362

872.906

77.714

446.7247.422

39.58779.594 1.0303.315 4.37032.272 5.59615.44911.794

5.3344.674 6.28512.9982.3192.151

10.670 4.236

1.4442.264

12.4982.9931.7064.283

7701.150

800.640

86.182

479.994 8.60541.31888.2491.4674.4696.894

39.271 7.16218.69114.658

5.7625.6487.743

15.7292.9602.511

12.949 4.615

1.8262.764

13.1813.876 2.3775.783

613 1.160

886.456

85.800

470.8418.608

41.266 88.240

1.476 4.514 6.76639.909 7.057

18.77014.898

5.642 5.5367.765

15.4482.9992.491

13.0264.591

1.7862.785

13.1493.840 2.308 5.778 6151.203

877.107

83.774

460.5648.217

39.59780.2691.2163.829 6.06237.8416.305

16.77712.004

5.184 4.952 6.91614.4722.5322.318

11.1823.785

1.6752.453

12.164 3.192

257 4.949 330 958

835.778

81.605

475.8088.140

40.503 82.116

1.3403.8996.260

36.192 6.75518.10712.826

5.524 4.9507.312

15.285 2.7892.471

12.601 4.266

1.655 2.59112.3703.7051.967 5.397 5411.055

858.031

83.525

478.783 8.13540.516

82.3061.3754.0546.140

36.6466.849

18.19013.060

5.325 5.008 7.38414.9782.7652.423

12.522 4.309

1.681 2.62812.5063.7382.0465.287 555

1.056

863.789

85.343

486.852 8.20840.35583.9881.3854.178

6.49137.898 6.90818.99513.514

5.4175.1497.510

15.6042.7712.403

12.416 4.412

1.670 2.65812.7043.6972.0715.130 569

1.082

879.379

85.997

481.8648.135

40.16783.8011.4334.2166.349

38.315 6.91818.38813.904

5.6185.191

7.401 14.856 2.793 2.38012.5864.530

1.736 2.681

12.667 3.7312.238

5.844 576

1.106

875.422

87.178

480.627 8.569

41.093 87.518

1.5224.5447.095

39.9677.432

19.17414.869

5.8375.638 6.18715.785 2.896 2.68113.117 4.926

1.9592.7802.787 3.970 2.459 6.099 6551.203

888.567

74.74014.770

485.8499.616

44.64191.9951.5874.8636.603

41.3327.596

20.69012.903

2.7115.8766.0558.211

15.9213.1652.616

13.5584.098

7291.8652.888

13.3774.0982.4145.854

6221.545

912.787

74.74514.748

484.1869.742

44.11491.4591.6164.8756.498

41.5617.484

20.24913.2902.6085.8255.9088.206

15.3563.1912.609

13.5563.960

7331.8312.924

13.7284.098 2.339 5.724

6351.676

909.471

76.22315.121

486.119 10.19244.69592.303

1.5994.8596.885

41.9687.506

21.36113.549

2.6285.913

6.1798.364

16.4083.1662.606

13.6263.987 725

1.8382.940

14.0774.074

2.3755.661

6311.672

919.251


72

Milyar Rp


2 0 0 3

Tabel 8.11 Deposito Berdasarkan Jangka Waktu Simpanan

Des Des

126.362 115.329 109.068 106.776 108.444 108.770 107.765 105.380 101.877 100.876 102.054 99.428 100.359 102.007 100.044122.877 133.119 126.773 125.049 124.080 129.512 129.495 127.866 120.625 120.710 124.983 128.012 132.568 135.137 136.184

7.379 7.967 7.212 7.389 7.274 7.370 8.304 8.011 7.981 8.007 8.308 8.612 9.527 10.277 10.4944.363 6.296 9.797 9.601 10.003 8.855 6.386 7.004 7.433 8.028 8.656 8.646 10.014 9.753 8.782

10.646 10.015 9.512 9.585 10.917 10.767 9.955 11.183 11.057 11.838 11.345 12.148 12.463 11.365 11.96731.488 25.609 27.914 26.734 29.510 30.047 29.982 32.068 31.991 31.985 32.512 36.816 35.219 35.180 36.952

303.115 298.335 290.276 285.134 290.228 295.321 291.886 291.512 280.963 281.444 287.857 293.663 300.149 303.720 304.422

51.743 46.838 32.716 32.190 31.233 30.133 31.267 29.848 28.637 27.105 27.893 27.376 26.615 22.815 23.40521.138 22.465 22.952 21.823 24.868 26.733 26.853 26.754 26.080 24.605 22.927 22.368 21.510 20.338 19.941

2.351 4.211 4.011 3.652 3.760 3.557 3.602 3.423 3.380 3.096 3.268 2.871 2.576 2.624 2.7081.320 2.305 2.771 2.604 2.415 2.172 1.908 2.208 2.255 2.152 2.236 3.128 2.905 2.891 2.7731.728 1.186 1.026 1.301 1.046 1.171 1.242 1.549 1.666 1.698 1.382 1.110 1.032 1.132 1.6044.852 3.445 2.967 4.103 3.660 4.335 4.950 4.848 4.454 3.622 3.453 2.928 3.816 3.621 3.588

83.131 80.449 66.443 65.673 66.982 68.102 69.822 68.629 66.472 62.277 61.158 59.782 58.454 53.421 54.020

13.443 14.183 17.217 16.355 16.222 15.216 11.910 12.191 12.820 13.553 12.817 12.212 12.407 12.021 12.8992.701 4.347 7.547 7.663 8.006 8.083 7.205 6.438 5.690 5.168 5.199 4.703 4.500 4.621 5.681

485 501 2.622 2.860 3.035 3.249 2.687 2.448 2.127 1.768 1.799 1.344 1.234 1.090 1.024408 561 1.684 1.634 1.604 1.440 1.094 1.005 1.038 997 1.014 1.101 1.070 1.418 1.997250 291 293 302 364 363 525 626 750 729 741 682 570 522 526

2.056 1.234 1.059 984 895 966 1.087 1.258 1.246 1.104 1.103 942 944 902 1.02819.342 21.117 30.422 29.797 30.126 29.317 24.509 23.966 23.672 23.319 22.674 20.983 20.725 20.574 23.154

9.869 15.676 17.172 16.866 18.890 18.385 17.727 18.688 16.791 16.289 15.545 14.086 11.052 10.264 10.5182.544 4.417 7.362 7.584 7.965 8.475 8.590 8.751 8.504 7.984 8.045 7.587 7.013 6.826 6.713

473 1.136 1.909 1.585 1.610 1.651 1.596 1.624 1.478 1.175 1.197 985 884 791 673899 1.622 2.965 2.925 2.926 2.951 2.978 3.052 2.849 2.811 2.620 2.478 1.814 1.808 1.784172 300 287 343 350 386 497 530 471 458 473 508 520 571 530

1.260 1.146 871 936 941 985 1.111 1.033 1.055 1.821 1.879 1.834 1.654 1.517 1.48715.219 24.297 30.567 30.240 32.682 32.832 32.500 33.678 31.148 30.537 29.758 27.478 22.937 21.777 21.704

18.794 20.869 21.722 21.128 16.571 11.813 9.100 7.793 6.451 3.685 2.379 2.246 5.242 3.811 3.65892 226 221 213 222 225 204 156 150 131 116 102 99 100 1272 52 92 86 153 87 83 105 74 51 116 53 57 50 50

34 203 200 193 192 191 187 181 173 152 64 41 26 30 1222 115 106 93 93 93 233 130 97 87 89 89 90 91 107

148 528 318 291 8 275 308 274 5 5 262 266 267 271 26519.092 21.993 22.658 22.005 17.238 12.683 10.116 8.640 6.950 4.110 3.027 2.796 5.781 4.353 4.218

1 BulanBank PerseroBUSN DevisaBUSN Non DevisaBPDBank CampuranBank AsingTotal




>12 BulanBank PerseroBUSN DevisaBUSN Non DevisaBPDBank CampuranBank AsingTotal

Jangka Waktu Simpanan2004


73

Tabel 9.1 Peringkat Bank Berdasarkan Kredit

Milyar Rp

1 PT Bank Mandiri 47.443 15,01 PT Bank Mandiri 63.536 17,12 PT Bank Mandiri 68.976 16,84 PT Bank Mandiri 73.294 16,64 PT Bank Mandiri Tbk 81.660 15,992 PT Bank Negara Indonesia Tbk 32.950 10,43 PT Bank Rakyat Indonesia 39.347 10,60 PT Bank Rakyat Indonesia 44.685 10,91 PT Bank Negara Indonesia Tbk 46.523 10,56 PT Bank Rakyat Indonesia 56.916 11,153 PT Bank Rakyat Indonesia 32.574 10,31 PT Bank Negara Indonesia Tbk 37.337 10,06 PT Bank Negara Indonesia Tbk 40.906 9,99 PT Bank Rakyat Indonesia 45.874 10,41 PT Bank Negara Indonesia Tbk 52.996 10,384 PT Bank Central Asia Tbk 14.516 4,59 PT Bank Central Asia Tbk 21.191 5,71 PT Bank Central Asia Tbk 23.772 5,81 PT Bank Central Asia Tbk 29.051 6,60 PT Bank Central Asia Tbk 34.684 6,795 Citibank N.A 11.444 3,62 PT Bank Danamon Indonesia (Tbk) 18.452 4,97 PT Bank Danamon Indonesia Tbk 23.131 5,65 PT Bank Danamon Indonesia Tbk 22.626 5,14 PT Bank Danamon Indonesia Tbk 24.687 4,836 PT Bank Danamon Indonesia (Tbk) 10.588 3,35 Citibank N.A 11.121 3,00 PT Bank Bukopin 12.862 3,14 PT Bank Niaga Tbk 14.003 3,18 PT Bank Niaga Tbk 17.374 3,407 PT Bank International Indonesia Tbk 8.751 2,77 PT Bank Niaga Tbk 10.698 2,88 PT Bank Niaga Tbk 12.160 2,97 PT Bank Bukopin 13.214 3,00 PT Bank Bukopin 12.912 2,538 The Hongkong & Shanghai B.C 8.533 2,70 PT Bank Tabungan Negara 10.293 2,77 PT Bank Tabungan Negara 11.026 2,69 PT Bank Tabungan Negara 11.158 2,53 PT Bank Permata Tbk 12.793 2,519 PT Bank Tabungan Negara 8.405 2,66 PT Bank Permata Tbk 8.982 2,42 Citibank N.A 9.607 2,35 PT Bank Internasional Indonesia 9.997 2,27 PT Bank Internasional Indonesia 11.947 2,3410 PT Bank Niaga Tbk 7.876 2,49 PT Bukopin 8.493 2,29 PT Bank Permata Tbk 8.627 2,11 Citibank N.A 9.876 2,24 PT Bank Tabungan Negara 11.883 2,33


PeringkatDesember 2001 Desember 2003

Nama BankTotalKredit

Pangsa thdTotal Kredit


TotalKredit



TotalKredit



TotalKredit

Pangsa thdTotal Kredit Bank

Umum (%)Nama Bank

TotalKredit


Bank Umum (%)



74

Milyar Rp


2 0 0 3

Tabel 9.2 Kredit Bank Umum Berdasarkan Sektor Ekonomi



2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

21.305 22.691 24.663 25.028 24.943 24.455 24.573 26.972 27.346 26.779 24.987 25.472 27.349 26.841 27.286

3.064 3.901 4.174 4.774 6.854 5.110 5.122 5.165 5.096 5.854 5.604 5.944 6.411 6.037 6.546

118.657 122.657 117.710 120.788 123.251 126.789 123.810 118.588 116.861 117.358 125.191 130.965 136.485 135.692 139.253

5.062 4.352 4.770 4.750 4.665 4.696 4.475 4.409 4.378 5.352 5.446 5.782 5.732 5.634 5.823

8.228 9.376 12.375 13.039 12.911 13.099 12.543 12.392 12.748 12.772 13.937 15.021 16.065 16.708 17.632

49.297 66.275 81.238 85.059 83.138 83.498 85.112 83.644 85.801 87.858 89.875 91.492 98.277 97.493 99.735

7.601 12.585 13.851 14.457 15.096 15.125 16.385 17.542 17.804 18.088 18.095 18.692 18.774 18.355 18.486

27.744 31.786 37.272 38.993 41.948 47.962 44.953 44.006 43.970 45.380 45.852 48.423 50.332 50.248 53.921

3.556 4.570 4.789 10.802 11.054 11.010 10.923 10.616 10.791 9.807 7.419 7.502 7.657 7.695 8.180

71.543 92.864 108.634 99.694 103.019 106.500 112.609 114.992 116.249 120.128 123.204 126.934 124.306 128.945 133.758

316.059 371.058 409.476 417.385 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.386 493.648 510.621

2 0 0 4


75

Milyar Rp


2 0 0 3

Tabel 9.3 Kredit Bank Persero Berdasarkan Sektor Ekonomi



2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

12.166 13.799 15493 15.710 15.684 15.013 15.344 16.702 16.956 16.603 14.563 14.457 15.888 15.164 15.610

1.928 2.097 2.596 2.907 4.993 3.058 3.027 3.183 3.102 3.167 3.020 3.248 3.438 3.363 3.706

40.662 49.270 47.965 49.510 50.770 51.784 50.498 47.126 46.700 47.788 54.291 57.187 61.172 61.147 62.493

3.017 2.663 2.494 2.560 2.514 2.530 2.466 2.438 2.465 3.555 3.636 3.855 3.853 3.752 3.837

4.804 4.587 6.214 6.450 6.367 6.600 6.079 6.090 6.304 6.007 6.753 7.204 7.601 7.593 7.783

18.191 24.416 30.497 32.631 30.679 31.458 31.780 33.041 34.758 35.808 35.148 34.802 39.949 39.570 40.431

2.520 5.732 6.279 6.400 6.572 6.669 6.601 6.213 6.168 6.494 6.116 6.245 6.336 6.246 6.366

5.818 7.293 7.537 8.986 9.403 13.517 9.285 8.720 8.482 9.810 9.249 10.372 10.009 10.231 10.540

975 973 1.430 7.254 7.451 7.281 7.016 6.816 6.991 5.799 2.968 3.038 2.995 3.151 3.314

31.414 39.801 45.206 37.134 38.108 38.909 45.042 45.829 45.894 47.705 49.135 50.921 45.984 48.071 50.061

121.496 150.632 165.712 169.541 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141

2 0 0 4


76

Milyar Rp

Tabel 9.4 Kredit BUSN Devisa Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

5.696 5.896 5.994 5.929 5.878 6.065 6.166 6.922 7.068 6.827 7.005 7.414 7.732 7.975 7.995

376 1.088 906 1.099 1.165 1.330 1.364 1.417 1.433 2.155 2.047 2.273 2.298 2.108 2.225

28.587 33.310 35.164 35.145 36.446 36.957 36.447 35.315 35.212 34.216 35.207 36.882 37.919 37.564 38.960

1.754 1.411 1.990 1.905 1.855 1.860 1.539 1.524 1.524 1.404 1.403 1.498 1.536 1.376 1.536

2.019 2.962 3.419 3.611 3.800 3.863 4.166 4.042 4.170 4.261 4.571 4.976 5.266 5.677 5.945

22.107 31.342 39.339 40.404 40.594 40.266 41.819 38.764 39.105 40.516 42.241 44.499 45.837 45.578 46.551

3.901 5.729 6.393 6.721 7.258 7.297 8.541 8.507 8.541 8.560 8.915 9.374 9.430 9.263 9.418

12.746 16.603 18.927 19.341 20.250 21.577 22.898 22.266 22.520 22.899 23.048 24.062 25.932 24.605 25.747

1.401 2.129 1.703 1.813 1.922 2.113 2.218 2.203 2.198 2.347 2.726 2.871 2.985 2.731 2.999

16.994 25.432 31.151 31.508 32.856 34.506 34.802 35.304 35.861 37.033 38.108 38.992 40.731 42.589 44.545

95.580 125.901 144.987 147.476 152.025 155.833 159.959 156.264 157.634 160.217 165.272 172.841 179.667 179.467 185.921


2 0 0 3Des Des 2 0 0 4


77

Milyar Rp

Tabel 9.5 Kredit BUSN Non Devisa Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

588 676 700 744 729 745 692 680 664 702 744 773 792 767 710

17 17 28 33 32 37 37 37 35 35 35 34 32 32 31

1.016 1.123 1.166 1.116 1.105 1.097 1.144 1.164 1.124 1.070 1.117 1.044 1.058 1.079 1.128

3 2 3 3 3 3 3 3 4 3 4 3 4 4 4

200 210 259 270 278 287 293 301 304 304 298 299 308 335 336

1.923 2.553 2.980 3.111 3.126 3.312 3.460 3.447 3.506 2.839 3.570 2.829 2.849 2.861 2.929

381 364 388 397 407 404 565 604 605 640 664 654 660 657 644

626 838 1.068 1.129 1.345 1.465 1.504 1.526 1.582 1.525 1.641 1.514 1.494 1.547 1.627

329 327 430 456 479 482 483 484 488 501 506 500 507 498 491

4.665 5.463 5.990 6.164 6.393 6.539 6.346 6.594 6.683 6.837 6.844 6.793 6.784 6.919 7.177

9.748 11.574 13.012 13.425 13.897 14.370 14.526 14.840 14.995 14.457 15.422 14.443 14.487 14.699 15.078


2 0 0 3Des Des 2 0 0 4


78

Milyar Rp

Tabel 9.6 Kredit BPD Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

536 971 1.191 1.225 1.133 1.123 1.055 1.136 1.156 1.147 1.160 1.187 1.206 1.223 1.263

21 19 23 22 22 22 20 19 20 22 22 23 27 29 28

257 325 444 456 403 383 333 319 311 332 353 346 372 386 387

2 4 5 7 5 5 25 23 21 19 19 17 17 16 14

731 1.012 2.019 2.200 1.923 1.841 1.502 1.410 1.497 1.713 1.823 1.996 2.192 2.367 2.555

2.108 3.693 4.842 5.088 4.805 4.734 4.405 4.858 4.990 5.168 5.342 5.548 5.688 5.678 5.850

135 250 290 290 254 258 237 245 249 247 283 283 286 287 304

239 686 985 1.096 2.203 2.366 2.212 2.262 2.216 2.128 2.124 2.117 2.054 2.020 1.951

279 589 733 829 639 655 742 655 630 703 629 621 701 689 720

11.090 13.950 16.905 17.083 17.607 17.977 17.818 18.366 18.809 19.411 20.070 20.634 21.114 21.692 22.077

15.396 21.498 27.438 28.295 28.997 29.362 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148


2 0 0 3Des Des 2 0 0 4


79

Milyar Rp

Tabel 9.7 Kredit Bank Campuran Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

1.470 888 832 963 1.041 964 924 927 827 740 778 768 834 807 828

309 156 197 193 241 244 242 257 251 247 249 202 203 317 282

20.563 17.675 17.054 16.916 16.962 17.537 17.079 17.048 16.803 16.994 17.083 17.996 18.405 17.795 18.577

125 85 64 64 59 61 58 58 17 17 17 18 61 220 178

379 428 284 325 325 306 265 298 269 265 257 306 316 361 491

2.489 2.359 2.233 2.316 2.305 2.224 2.182 2.088 2.113 2.109 2.108 2.323 2.315 2.263 2.433

183 151 257 295 280 259 242 676 681 680 742 796 835 833 711

2.530 2.400 1.944 2.386 2.598 2.673 2.763 2.707 2.767 2.805 2.936 3.290 3.267 3.554 3.752

141 237 200 203 212 228 215 210 218 190 333 181 194 356 360

972 733 1.240 806 820 852 1.004 1.064 1.049 1.057 1.081 1.111 1.123 1.154 1.174

29.162 25.111 24.304 24.465 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785


2 0 0 3Des Des 2 0 0 4


80

Milyar Rp

Tabel 9.8 Kredit Bank Asing Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

850 460 452 457 478 545 393 604 674 760 737 874 895 905 882

414 524 424 519 401 419 433 252 255 229 233 164 411 188 274

27.572 20.954 15.916 17.647 17.564 19.031 18.309 17.617 16.711 16.958 17.140 17.511 17.560 17.720 17.707

160 187 213 211 228 238 385 363 348 353 367 390 261 266 255

95 177 180 183 218 203 237 252 204 222 235 240 382 375 521

2.478 1.913 1.348 1.510 1.629 1.505 1.467 1.445 1.328 1.418 1.467 1.491 1.639 1.544 1.540

481 360 244 355 325 239 200 1.297 1.559 1.466 1.375 1.340 1.227 1.068 1.043

5.787 3.965 6.810 6.055 6.150 6.364 6.290 6.524 6.403 6.213 6.853 7.069 7.575 8.292 10.304

431 315 293 247 351 251 250 249 266 267 255 291 276 269 297

6.409 7.485 8.142 6.999 7.236 7.717 7.597 7.835 7.954 8.085 7.966 8.482 8.570 8.520 8.724

44.677 36.341 34.023 34.183 34.578 36.513 35.560 36.438 35.702 35.971 36.628 37.851 38.795 39.146 41.547


2 0 0 3Des Des 2 0 0 4


81

Milyar Rp

Tabel 9.9 Kredit Bank Umum Berdasarkan Jenis Penggunaan

Jenis Penggunaan

Modal KerjaPropertiAgrobisnisLainnya

Total Modal Kerja

InvestasiPropertiAgrobisnisLainnya

Total Investasi

KonsumsiKPR dan Apartemen s.d Type 70KPR dan Apartemen > type 70Ruko dan RukanLainnya

Total Konsumsi

Total

1.306 1.977 2.501 2.385 2.446 2.484 2.555 2.713 3.149 3.276 2.942 3.047 3.157 3.113 3.1778.464 9.686 10.027 10.085 10.580 10.528 9.260 9.425 9.424 8.782 8.929 9.413 13.285 13.418 14.047

171.833 194.983 210.794 213.812 217.643 222.558 221.698 214.483 215.060 218.123 223.043 230.669 241.088 237.931 247.219

181.604 206.646 223.321 226.282 230.669 235.571 233.514 226.620 227.633 230.182 234.915 243.129 257.530 254.462 264.442

2.160 1.440 1.445 1.553 1.638 2.003 1.929 3.020 3.013 3.049 3.198 3.067 3.110 3.049 3.38510.820 9.574 9.004 9.252 9.023 9.397 8.805 8.989 9.032 8.849 8.938 8.593 9.828 9.689 9.93062.862 73.410 80.508 81.965 83.951 86.240 85.041 86.095 86.406 88.525 90.730 95.865 98.040 99.429 101.088

75.842 84.424 90.957 92.770 94.611 97.639 95.775 98.104 98.451 100.423 102.866 107.525 110.979 112.168 114.403

8.745 5.741 6.656 7.002 6.951 12.562 13.072 13.059 13.104 13.186 13.340 13.537 13.730 13.983 14.1853.369 5.055 7.042 7.405 7.777 7.780 7.919 8.177 8.396 8.804 9.312 9.944 10.544 11.073 11.727

607 708 1.004 1.025 1.059 1.173 3.177 1.346 1.284 1.369 1.417 1.477 1.576 1.802 1.88445.878 68.484 80.494 82.900 85.814 83.519 87.048 91.020 92.175 95.414 97.762 100.614 97.028 100.160 103.980

58.598 79.987 95.197 98.332 101.601 105.034 111.216 113.602 114.959 118.773 121.830 125.573 122.878 127.018 131.776

316.043 371.058 409.476 417.385 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621


2 0 0 3Des Des 2 0 0 4


82

Milyar Rp

Tabel 9.10 Kredit Bank Persero Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

510 635 973 984 990 975 768 892 996 1.151 1.089 1.107 1.226 1.177 1.1466.415 7.736 8.385 8.413 8.860 8.768 7.600 7.705 7.643 7.401 7.454 7.916 11.554 11.576 12.058

52.659 68.033 73.125 74.276 75.148 77.366 75.366 72.584 73.687 76.019 76.243 77.965 83.480 82.305 84.905

59.584 76.404 82.483 83.673 84.998 87.109 83.734 81.181 82.326 84.571 84.786 86.988 96.260 95.058 98.109

505 196 234 433 449 657 472 207 221 226 246 243 314 315 3307.477 6.842 6.405 6.580 6.395 6.744 6.155 6.214 6.173 6.090 6.080 5.823 6.993 6.865 7.023

31.385 37.738 41.802 43.009 43.934 44.780 43.021 44.021 44.394 45.394 45.880 48.559 48.989 49.733 50.499

39.367 44.776 48.441 50.022 50.778 52.181 49.648 50.442 50.788 51.709 52.206 54.625 56.296 56.913 57.851

6.465 3.111 3.697 3.975 3.927 9.452 9.879 9.771 9.742 9.733 9.740 9.817 9.863 9.995 10.055190 303 464 496 500 227 234 262 272 296 324 370 388 430 459141 109 167 154 147 186 2.159 298 198 228 221 238 308 442 508

15.749 25.930 30.458 31.221 32.191 27.665 31.482 34.205 34.493 36.201 37.602 39.291 34.111 35.452 37.158

22.545 29.453 34.786 35.846 36.766 37.529 43.755 44.536 44.705 46.458 47.887 49.716 44.670 46.318 48.181

121.496 150.633 165.710 169.541 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141


2 0 0 3Des Des 2 0 0 4


83

Milyar Rp

Tabel 9.11 Kredit BUSN Devisa Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

507 981 1.124 1.007 1.035 1.063 1.400 1.400 1.751 1.732 1.472 1.543 1.496 1.446 1.5641.091 840 533 549 557 587 617 603 722 479 503 543 651 684 734

53.075 69.363 80.052 81.441 83.736 84.392 87.209 81.843 82.117 82.815 85.262 89.714 93.054 90.841 93.830

54.673 71.184 81.709 82.997 85.327 86.041 89.225 83.846 84.589 85.027 87.236 91.800 95.201 92.971 96.129

1.068 685 772 694 731 887 1.090 2.481 2.490 2.519 2.655 2.517 2.542 2.503 2.8022.121 1.992 1.642 1.695 1.639 1.662 1.652 1.809 1.936 1.759 1.822 1.751 1.861 1.837 1.907

21.561 26.759 30.271 30.587 31.478 32.756 33.232 32.851 32.789 33.920 35.505 37.861 39.365 39.668 40.564

24.750 29.436 32.685 32.976 33.848 35.304 35.974 37.141 37.215 38.198 39.983 42.129 43.769 44.008 45.273

1.698 2.102 2.357 2.406 2.440 2.505 2.580 2.671 2.743 2.837 2.921 3.037 3.110 3.223 3.3972.696 4.217 5.941 6.256 6.590 6.860 7.000 7.216 7.401 7.753 8.225 8.800 9.378 9.822 10.423

308 495 711 766 807 879 902 927 951 991 1.041 1.065 1.134 1.175 1.24311.454 18.285 21.584 22.075 23.014 24.244 24.277 24.463 24.735 25.412 25.866 26.011 27.074 28.268 29.456

16.156 25.099 30.593 31.503 32.850 34.488 34.760 35.277 35.829 36.993 38.053 38.913 40.697 42.489 44.519

95.579 125.719 144.987 147.476 152.025 155.833 159.959 156.264 157.634 160.217 165.272 172.841 179.667 179.467 185.921


2 0 0 3Des Des 2 0 0 4


84

Milyar Rp

Tabel 9.12 Kredit BUSN Non Devisa Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

61 90 97 93 103 125 133 134 127 135 124 126 130 152 141226 386 283 282 271 303 284 294 307 308 328 354 372 373 382

3.676 4.586 5.407 5.554 5.611 5.813 6.028 6.044 6.053 5.288 6.250 5.345 5.346 5.370 5.514

3.963 5.062 5.787 5.929 5.985 6.241 6.444 6.472 6.487 5.731 6.702 5.824 5.847 5.895 6.036

30 15 17 17 47 45 44 42 41 39 39 38 37 18 1993 139 160 182 188 189 187 187 186 223 232 231 230 230 230

1.235 973 1.136 1.149 1.301 1.371 1.522 1.564 1.617 1.645 1.623 1.576 1.606 1.654 1.632

1.358 1.127 1.313 1.348 1.536 1.605 1.752 1.793 1.844 1.908 1.894 1.844 1.873 1.902 1.881

245 197 209 212 211 225 233 231 232 237 233 234 233 235 235227 218 286 294 304 317 318 321 338 360 372 383 386 420 440103 28 42 52 55 55 57 60 59 59 59 59 58 53 57

3.851 4.941 5.375 5.590 5.806 5.926 5.722 5.963 6.035 6.163 6.161 6.099 6.089 6.194 6.429

4.426 5.384 5.912 6.148 6.377 6.523 6.330 6.575 6.664 6.819 6.825 6.775 6.766 6.902 7.161

9.747 11.573 13.012 13.425 13.897 14.370 14.526 14.840 14.995 14.457 15.422 14.443 14.487 14.699 15.078


2 0 0 3Des Des 2 0 0 4


85

Milyar Rp

Tabel 9.13 Kredit BPD Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

28 76 117 111 98 96 75 76 80 62 59 66 101 125 12372 81 92 93 130 128 121 119 120 76 108 72 69 70 80

3.392 5.640 7.954 8.169 8.293 8.179 7.293 7.744 7.919 8.363 8.529 8.933 9.247 9.321 9.644

3.492 5.797 8.163 8.373 8.521 8.403 7.488 7.940 8.120 8.501 8.697 9.070 9.418 9.516 9.847

25 30 68 60 61 62 71 72 75 77 68 70 71 73 69171 159 144 142 149 149 143 113 113 108 111 111 113 106 106

1.066 2.007 2.645 2.688 2.713 2.824 2.875 2.850 2.834 2.842 2.932 2.945 3.004 3.056 3.108

1.262 2.196 2.857 2.890 2.923 3.034 3.089 3.036 3.021 3.027 3.110 3.125 3.188 3.235 3.284

272 279 344 362 326 334 334 340 342 336 403 406 479 487 45526 46 68 70 94 94 85 94 94 102 99 98 102 104 10353 74 83 52 49 52 58 60 75 89 94 113 74 131 74

10.291 13.104 15.922 16.547 17.084 17.444 17.294 17.822 18.248 18.834 19.422 19.959 20.396 20.914 21.386

10.642 13.503 16.417 17.031 17.553 17.925 17.771 18.316 18.758 19.361 20.018 20.576 21.052 21.635 22.017

15.396 21.496 27.437 28.295 28.997 29.362 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148


2 0 0 3Des Des 2 0 0 4


86

Milyar Rp

Tabel 9.14 Kredit Bank Campuran Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

84 103 107 109 139 145 119 148 134 135 137 141 140 152 141624 547 717 729 737 715 622 680 603 500 511 514 622 704 779

21.547 1.869 18.253 18.454 18.785 19.265 19.070 18.804 18.697 18.895 19.241 20.564 21.183 21.300 22.472

22.255 2.519 19.077 19.291 19.661 20.125 19.812 19.633 19.434 19.531 19.889 21.218 21.945 22.155 23.392

363 375 223 221 219 220 144 218 187 189 190 199 146 141 164544 471 575 577 580 581 598 599 557 603 632 626 579 557 568

5.612 4.343 3.650 3.571 3.562 3.569 3.418 3.820 3.768 3.726 3.793 3.836 3.761 3.653 3.486

6.519 5.189 4.448 4.369 4.361 4.370 4.159 4.637 4.512 4.518 4.615 4.661 4.485 4.351 4.219

8 14 18 18 18 18 18 18 19 18 18 20 21 21 2118 19 33 37 38 37 38 38 37 37 37 39 39 40 43

1 - - - - - - - 1 1 1 1 1 1 1345 543 728 751 763 797 949 1.008 992 1.001 1.024 1.052 1.062 1.092 1.109

372 576 779 806 820 852 1.004 1.064 1.049 1.057 1.081 1.111 1.123 1.154 1.174

29.146 8.284 24.304 24.465 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785


2 0 0 3Des Des 2 0 0 4


87

Milyar Rp

Tabel 9.15 Kredit Bank Asing Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

116 90 81 81 81 81 61 61 60 60 61 64 64 62 6136 43 17 20 26 28 17 24 29 19 25 15 16 11 14

37.368 28.612 26.003 25.919 26.070 27.544 26.733 27.463 26.588 26.743 27.519 28.148 28.778 28.794 30.854

37.520 28.745 26.101 26.019 26.176 27.652 26.810 27.548 26.676 26.822 27.604 28.228 28.859 28.868 30.929

168 139 131 130 131 132 109 - - - - - - - -413 118 77 75 72 72 70 67 67 65 61 52 53 93 96

2.003 1.368 1.004 960 963 940 974 989 1.004 999 996 1.089 1.315 1.665 1.799

2.584 1.625 1.212 1.165 1.166 1.144 1.153 1.056 1.071 1.064 1.057 1.141 1.368 1.759 1.894

57 37 30 30 29 29 28 27 27 25 25 24 23 22 22210 251 250 251 250 245 243 246 254 255 254 255 251 257 259

2 1 2 2 2 2 1 1 1 1 1 1 1 1 14.187 5.680 6.426 6.716 6.955 7.442 7.324 7.560 7.672 7.803 7.686 8.203 8.295 8.240 8.442

4.456 5.969 6.708 6.999 7.236 7.717 7.597 7.835 7.954 8.085 7.966 8.482 8.570 8.520 8.724

44.560 36.339 34.021 34.183 34.578 36.513 35.560 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547


2 0 0 3Des Des 2 0 0 4


88

Milyar Rp

Tabel 9.16 Penerusan Kredit (Off Balancesheet) Berdasarkan Sektor Ekonomi

Sektor Ekonomi2001 2002 Ags Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags

2 0 0 3Des Des 2 0 0 4


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha

9.Jasa sosial/masyarakat

10. Lain-lain

Total

7.554 8.486 8.679 8.690 7.901 8.623 7.843 8.168 8.173

1.280 1.153 1.080 1.071 1.082 1.085 1.055 1.059 1.067

2.714 2.831 2.736 2.058 2.055 2.073 2.071 2.069 2.030

15.791 13.513 13.054 13.069 13.328 13.381 11.512 11.490 11.198

495 419 2.412 2.304 2.308 2.299 2.351 2.319 2.315

297 362 358 401 404 411 339 317 283

8.014 7.672 4.674 5.366 5.303 5.190 5.204 5.145 5.111

188 316 432 445 468 489 591 605 603

131 133 145 150 302 175 155 166 166

6.140 4.345 4.181 3.763 3.520 3.693 5.480 5.379 5.323

42.603 39.230 37.752 37.318 36.671 37.417 36.601 36.717 36.270

8.180

1.079

2.056

11.192

2.331

292

5.254

602

161

5.381

36.530

8.264

1.161

2.151

11.131

2.475

289

5.334

611

171

5.607

37.194

8.226

1.094

2.061

11.180

2.391

287

5.147

614

169

5.290

36.460

8.249

1.178

2.170

10.423

3.102

309

5.359

734

174

5.594

37.291

8.285

1.121

2.128

10.256

3.129

298

5.167

597

173

5.379

36.532

8.248

1.158

2.152

10.280

2.442

306

5.258

585

178

6.304

36.911


89

Milyar Rp

Tabel 9.17 Penerusan Kredit (Off Balancesheet) Berdasarkan Jenis Kredit dan Golongan Penyalur

Berdasarkan Jenis Kredit

1. Kredit Usaha Kecil a. Dalam rangka penerusan kredit dari BI b. Lainnya

2. Bukan KUK a. Kredit Kelolaan b. Dalam rangka penerusan kredit dari BI c. Bantuan Proyek d. Kredit kelolaan di luar bantuan proyek

3. Mudharabah Muqayaddah

Berdasarkan Golongan Penyalur

1. Koperasi2. Lembaga Swadaya Masyarakat3. Swasta Lainnya

Total

4.715 4.229 3.195 3.200 3.142 3.100 2.926 2.917 2.9262.470 3.834 4.913 4.920 4.844 4.836 4.331 2.424 2.204

31.189 26.373 24.859 24.659 24.535 24.471 24.750 26.998 27.113469 1.074 1.169 1.169 514 1.261 728 541 537

3.140 3.064 2.971 2.720 2.970 3.013 3.050 3.019 2.945619 638 592 598 615 678 766 769 498

- 18 53 53 52 58 50 50 48

7.088 4.286 3.910 3.997 3.742 3.749 3.702 4.377 4.356656 705 703 659 651 650 1.574 2.108 2.171

34.859 34.238 33.139 32.662 32.278 33.018 31.326 30.232 29.743

42.603 39.229 37.752 37.318 36.671 37.417 36.601 36.717 36.270


2 0 0 3Des Des 2 0 0 4

2.8712.166

27.870602

3.085499

100

4.4442.362

30.388

37.194

2.9092.138

27.312592

2.954524

101

4.4452.211

29.873

36.530

2.8912.143

27.280601

2.947499

99

4.4572.280

29.724

36.460

2.8852.137

27.976604

3.089498

102

4.4082.374

30.509

37.291

2.8472.141

27.304602

3.088498

52

4.3982.347

29.786

36.532

2.8492.138

27.659602

3.058499

106

4.3892.373

30.149

36.911


90

Tabel 10.1 Perkembangan Jumlah Bank dan Kantor Bank Umum

5 5 5 5 5 5 5 5 5 5 5 5 5 5 51807 1885 2153 2050 2046 2056 2072 2078 2076 2079 2078 2099 2102 2109 2115

Mar38 36 36 36 36 36 36 36 36 36 35 35 35 35 35

3432 3565 3819 3750 3775 3805 3829 3842 3837 3854 3842 3872 3873 3891 3936

3872 3872 3872 387242 40 40 40 40 40 40 40 40 40 39 39 39 39 39

556 528 691 695 690 698 700 703 704 709 703 698 699 698 698

26 26 26 26 26 26 26 26 26 26 26 26 26 26 26857 909 998 983 989 990 1003 1009 1027 1036 1042 1049 1049 1051 1051

24 24 20 20 20 20 20 20 20 20 20 20 20 20 2053 53 61 57 57 58 57 57 56 56 57 57 57 57 59

10 10 11 11 11 11 11 11 11 11 11 11 11 11 1160 61 77 70 69 69 69 70 71 69 69 68 68 67 68

145 141 138 138 138 138 138 138 138 138 136 136 136 136 1366765 7001 7799 7605 7626 7676 7730 7759 7771 7803 7791 7843 7848 7873 7927

Bank PerseroJumlah BankJumlah Kantor

BUSN DevisaJumlah BankJumlah Kantor

BUSN Non DevisaJumlah BankJumlah Kantor

BPDJumlah BankJumlah Kantor

Bank CampuranJumlah BankJumlah Kantor

Bank AsingJumlah BankJumlah Kantor

TotalJumlah BankJumlah Kantor


2 0 0 3Des Des 2 0 0 4

Ket : data kelompok Bank Campuran pada bulan Maret, April, Mei, Juni, Juli, Agustus 2004 masih termasuk PT.ING Indonesia Bank


91

Tabel 10.2 Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan Wilayah ( Posisi Agustus 2004)

Bali

Bengkulu

DI Aceh

DI Yogyakarta

DKI Jakarta

Irian Jaya

Jambi

Jawa Barat

Jawa Tengah

Jawa Timur

Kalimantan Barat

Kalimantan Selatan

Kalimantan Tengah

Kalimantan Timur

Lampung

Maluku

NTB

NTT

Riau

Sulawesi Selatan

Sulawesi Tengah

Sulawesi Tenggara

Sulawesi Utara

Sumatera Barat

Sumatera Selatan

Sumatera Utara

Jumlah

LokasiBank Persero

KP KC KCP KK KPW Total

BUSN Devisa


BUSN Non Devisa


B P D


Bank Campuran


Bank Asing


Bank Umum


0 15 32 17 0 64

0 6 4 1 0 11

0 20 6 6 0 32

0 13 22 17 0 52

5 70 312 94 1 482

0 25 6 6 0 37

0 14 8 3 0 25

0 89 184 69 0 342

0 82 58 36 0 176

0 87 94 37 0 218

0 15 8 3 0 26

0 21 12 5 0 38

0 14 4 1 0 19

0 22 16 9 0 47

0 14 11 6 0 31

0 14 3 2 0 19

0 12 9 2 0 23

0 16 14 0 0 30

0 27 34 13 0 74

0 39 30 15 0 84

0 11 12 0 0 23

0 8 6 4 0 18

0 20 13 3 0 36

0 22 14 6 0 42

0 30 23 17 0 70

0 41 30 25 0 96

5 747 965 397 1 2115

Ket : data kelompok Bank Campuran pada bulan Maret, April, Mei, Juni, Juli, Agustus 2004 masih termasuk PT.ING Indonesia Bank

0 35 63 7 0 105

0 5 5 0 0 10

0 14 5 5 0 24

0 20 27 24 0 71

27 267 855 239 5 1393

0 10 3 1 0 14

0 11 3 0 0 14

3 154 421 123 0 701

0 110 178 73 0 361

4 144 347 70 0 565

0 17 13 3 0 33

0 15 7 1 0 23

0 4 1 0 0 5

0 31 21 11 0 63

0 18 25 7 0 50

0 8 3 2 0 13

0 9 10 1 0 20

0 7 0 1 0 8

0 35 37 16 0 88

0 33 27 7 0 67

0 8 1 0 0 9

0 8 2 0 0 10

0 19 8 1 0 28

0 16 7 4 0 27

0 20 40 14 0 74

1 47 83 29 0 160

35 1065 2192 639 5 3936

2 6 25 32 0 65

0 0 0 0 0 0

0 1 0 1 0 2

0 1 0 5 0 6

26 24 116 51 0 217

0 0 0 0 0 0

0 0 0 0 0 0

6 24 45 84 0 159

1 11 9 34 0 55

4 29 32 41 0 106

0 1 0 0 0 1

0 1 1 6 0 8

0 0 0 0 0 0

0 1 1 0 0 2

0 1 0 6 0 7

0 0 0 0 0 0

0 2 1 0 0 3

0 1 0 0 0 1

0 2 0 0 0 2

0 2 4 11 0 17

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 2 0 3

0 1 2 6 0 9

0 1 1 5 0 7

0 4 4 20 0 28

39 114 241 304 0 698

1 11 3 21 0 36

1 3 13 2 0 19

1 10 3 11 0 25

1 5 11 16 0 33

1 17 28 59 0 105

1 10 8 30 0 49

1 8 0 7 0 16

1 35 36 24 0 96

1 33 87 64 0 185

1 34 6 46 0 87

1 13 18 5 0 37

1 10 1 8 0 20

1 5 10 3 0 19

1 11 10 6 0 28

1 5 5 5 0 16

1 12 7 1 0 21

1 6 7 2 0 16

1 13 1 0 0 15

1 19 10 3 0 33

1 25 5 6 0 37

1 3 5 0 0 9

1 4 7 1 0 13

1 9 7 7 0 24

1 23 3 21 0 48

1 12 16 7 0 36

1 18 0 9 0 28

26 354 307 364 0 1051

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

20 0 7 7 0 34

0 0 0 0 0 0

0 0 0 0 0 0

0 5 8 0 0 13

0 0 0 0 0 0

0 7 0 0 0 7

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 1 0 0 2

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

20 16 16 7 0 59

0 2 0 0 0 2

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

11 3 4 22 0 40

0 0 0 0 0 0

0 0 0 0 0 0

0 5 0 0 0 5

0 5 0 0 0 5

0 5 2 0 0 7

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 4 1 0 0 5

11 28 7 22 0 68

3 70 123 77 0 273

1 14 22 3 0 40

1 45 14 23 0 83

1 39 60 62 0 162

90 381 1322 472 6 2271

1 45 18 36 0 100

1 33 11 10 0 55

10 312 694 300 0 1316

2 241 332 207 0 782

9 306 481 194 0 990

1 46 39 11 0 97

1 47 21 20 0 89

1 23 15 4 0 43

1 66 48 26 0 141

1 38 41 24 0 104

1 34 13 5 0 53

1 29 27 5 0 62

1 37 15 1 0 54

1 85 82 32 0 200

1 101 66 39 0 207

1 22 18 0 0 41

1 20 15 5 0 41

1 50 28 13 0 92

1 62 26 37 0 126

1 63 80 43 0 187

2 115 118 83 0 318

136 2324 3729 1732 6 7927

statistik perbankan-indonesia-agustus-2004

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