11bi-Spi Nov 2009

KA
TA PENGANT
AR
KAT
PENGANTAR
FOREW
ORD
FOREWORD
Statistik Perbankan Indonesia (SPI) merupakan
The Indonesian Banking Statistics (SPI) is a
media publikasi yang menyajikan data mengenai
media publication that provides data regarding the
perbankan Indonesia. Buku SPI ini diterbitkan secara
banking industry in Indonesia. This publication is
berkala (bulanan) oleh Direktorat Perizinan dan

Informasi Perbankan, Bank Indonesia, untuk
memberikan gambaran perkembangan perbankan
di Indonesia.
Mulai penerbitan Edisi Januari 2009, SPI yang
published monthly by Directorate of Bank Licensing

and Banking Information, Bank of Indonesia, in order
to represented the development of the Indonesian
banking industry.
Starting edition of January 2009, SPI is issued
sebelumnya terbit dalam bentuk buku telah diubah

menjadi bentuk CD ROM dan telah disempurnakan
in form of CD ROM no longer in form of book. In
pula dengan penambahan beberapa data baru yaitu:
this edition and following we add new data such as
kredit dan NPL yang penarikannya menggunakan
credit and NPL withdrawn by credit card, average of
kartu, suku bunga rata-rata kredit Bank Umum dan
credit interest rate of Banks and Rural Banks by
BPR berdasarkan sektor ekonomi dan jenis
economic sector and by type of use, average of third
penggunaan, suku bunga rata-rata DPK Bank
party fund interest rate of Commercial Banks, Rural
Umum, BPR dan Bank Syariah, Rincian kredit dan
Banks, and Sharia Banks, credit and NPL SMEs by
NPL UMKM menurut kelompok bank, NPL UMKM
group of bank, by economic sector and by type of
berdasarkan sektor ekonomi dan jenis penggunaan.

Dengan penyempur naan SPI ini, kami
berharap agar data yang disajikan lebih memberikan
manfaat yang optimal bagi pembaca.
use.
We sincerely hope that the data provided in
the Bank Statistics Book will be of optimum benefits
to our readers.
Jakarta,
Januari 2010
BANK INDONESIA
Jakarta,
January 2010
Direktorat Perizinan dan Informasi Perbankan
BANK INDONESIA
Directorate of Bank Licensing and Information
Indonesian Banking Statistics, Vol. 7, No. 12, November 2009
DAFT
AR ISI
AFTAR
TABLE OF CONTENT
KATA PENGANTAR
INTRODUCTION
DAFTAR ISI
ii
TABLE OF CONTENT
ii
PENJELASAN
iii
CLARIFICATIONS
iii
DAFTAR SINGKATAN
vii
LIST OF ABBREVIATIONS
vii
DAFTAR ISTILAH
viii
LIST OF TERMS
viii
DAFTAR RASIO
LIST OF RATIOS
DAFTAR TABEL
xiii
LIST OF TABLES
xiii
DATA BANK UMUM
DATA PERBANKAN SYARIAH
COMMERCIAL BANK DATA
93
SHARIA BANK DATA
93
DATA BANK PERKREDITAN RAKYAT (BPR)
107
RURAL BANK DATA
107
DATA PERKREDITAN
123
CREDIT DATA
123
ii
Statistik Perbankan Indonesia, Vol. 7, No. 12, November 2009
PENJELASAN
CLARIFIC
ATIONS
CLARIFICA
1. Data yang digunakan dalam Publikasi Statistik
1. The data used in the Indonesian Banking
Perbankan Indonesia bersumber dari Laporan
Statistics is derive from Commercial Bank
Bulanan Bank Umum (LBU), Laporan Bulanan
Monthly Reports, Sharia Bank Monthly Reports
Bank Umum Syariah (LBUS), dan Laporan
and Rural Bank Monthly Reports.
Bulanan Bank Perkreditan Rakyat (Lapbul BPR),
includes data from Commercial Banks that
kecuali dinyatakan lain.

2. Semua
jenis
data
2. The entire data on Commercial Banks
Bank
Umum
telah
conduct
operations
based
on
sharia
mencakup data Bank Umum yang melakukan
principles and sharia Business Units from
kegiatan usaha berdasarkan prinsip syariah
conventional commercial banks. It is not yet
dan Unit Usaha Syariah dari Bank Umum
possible to obtain separate sharia bank data
konvensional. Pemisahan data perbankan
from commercial banks, because, thus far,
syariah dari kelompok data bank umum
reports from sharia banks are entered into
belum dapat dilakukan, karena selama ini
the banking system as one unit.
proses pelaporan perbankan syariah masuk
For this reason, sharia banking data is presented
ke dalam Sistem Perbankan sebagai satu
separately.
kesatuan.
3. Data regarding performance before January
Untuk itu disajikan data khusus perbankan
2006 based on calculations is still subject to the
syariah secara terpisah.
provisions of Circular Letter No. 30/2/UPPB dated
3. Data kinerja sebelum bulan Januari 2006
April 30, 1997 and No. 30/23/UPPB dated March
perhitungannya masih mengacu pada ketentuan
19, 1998, and beginning January 2006 based
SE No.30/2/UPPB tanggal 30 April 1997 dan SE
on calculation subject to the provision of Circular
No. 30/23/UPPB tanggal 19 Maret 1998,
Letter No. 6/23/DPNP dated 31 May 2004.
sedangkan data kinerja mulai bulan Januari 2006

dan selanjutnya perhitungannya mengacu pada
ketentuan SE No.6/23/DPNP tanggal 31 Mei
4. Credit Data
Credit data constitutes the credits
2004.
recorded in the balance of a Bank and
4. Data Kredit
does not taken into account channel of
Data kredit yang ditampilkan merupakan
credit recorded in the off-balance sheet,
kredit yang tercatat di neraca Bank dan tidak
unless otherwise stated. Credits include
memperhitungkan penerusan kredit yang
credit claims from citizens and non-
tercatat dalam rekening administratif (off-
citizens (Rural Bank data only includes
balance sheet), kecuali dinyatakan lain.
credit claims from citizens). The data
Cakupan kredit meliputi tagihan kredit
related to the information above is
kepada penduduk dan non penduduk
presented in the performance data
iii
PENJELASAN
CLARIFIC
ATIONS
CLARIFICA
(Untuk data BPR hanya meliputi tagihan
tables: earning assets; non-performing
kredit kepada penduduk). Data yang
loans (NPL) (except for NPL data
terkait dengan penjelasan tersebut di
regarding channelling credit off-balance
atas ditujukan untuk data dalam tabel
sheet); operations; and credits (except
kinerja; aktiva produktif; NPL (kecuali
for channelling credit data regarding
data NPL penerusan kredit off-balance
off-balance sheet).
sheet); kegiatan usaha; dan kredit
the scope of the credit in this publication is
(kecuali data penerusan kredit off-
different from the coverage of credit in the
balance sheet ).
publication SEKI.
cakupan kredit dalam publikasi ini berbeda
Data on Micro, Small, Medium Scale
dengan cakupan kredit pada publikasi SEKI.
Business credit in this book mean: micro
Yang dimaksud dengan kredit MKM adalah:
credit is credit with ceiling Rp 0 up to Rp
kredit mikro yakni kredit dengan plafon 0
50 million, Small credit is credit with ceiling
sampai dengan maksimum Rp50 juta, kredit
Rp 50 million up to Rp 500 million, and
kecil yakni kredit dengan plafon lebih dari
Medium credit is credit is with ceiling Rp
Rp50 juta sampai dengan maksimum Rp500
500 million up to Rp 5 billion. Credit Data
juta, dan kredit menengah yakni kredit
on Micro, Small, Medium Scale Business
dengan plafon lebih dari Rp500 juta sampai
credit does not include data regarding credit
dengan maksimum Rp5 miliar. Data kredit
cards or credits disbursed by Rural Banks.
MKM tidak mencakup data kartu kredit dan
The data related to the infomartion above
kredit yang disalurkan oleh BPR. Data yang
is presented in the performance data tables
terkait dengan penjelasan tersebut di atas
: Micro Small, Medium Credit based on
ditujukan untuk data dalam tabel kredit
category of bank, Micro Small, Medium
MKM menurut kelompok bank, kredit MKM
Credit based on type of use, Micro Small,
menurut jenis penggunaan, kredit MKM
Medium Credit based on project location,
berdasarkan lokasi proyek per provinsi, dan
Micro Small, Medium Credit based on
kredit MKM berdasarkan sektor ekonomi.
economic sector.
Yang dimaksud dengan Hubungan Dengan
Bank Relationship on the table Commercial
Bank pada tabel Kredit Bank Umum
Bank Credit based on Bank relationship
Berdasarkan Hubungan dengan Bank adalah
mean status related bank and the party
status keterikatan antara bank dengan pihak
which transaction with bank.
yang melakukan transaksi dengan bank.
iv
Related party is any individual or
Pihak terkait adalah perseorangan atau
company/entity exercising control
perusahaan/badan yang mempunyai
over the bank, whether directly or
CLAR
RIFIC
ATION
RIFICA
PENJELASAN
CLARIFIC
ATIONS
CLARIFICA
hubungan dengan pengendalian bank,
indirectly,
baik secara langsung maupun tidak
management,
langsung, melalui hubungan dengan
relation.
-
kepemilikan, kepengurusan dan atau
ownership,
and/or
financial
Not related party is other party
keuangan.
excluding related party as mention
Pihak tidak terkait adalah pihak-
above.
pihak yang tidak termasuk pada

pihak
terkait
dengan
bank
sebagaimana tersebut di atas.
through
Credit withdrawn by credit card
5. Non-Performing Data
Non-performing loan data is show as the gross
Yang dimaksud dengan Kredit yang
non-performing loan, that is, without taking into
penarikannya menggunakan kartu adalah
account the reserve formed in anticipation of
pemberian fasilitas kredit yang penarikannya
the risk of losses.
dilakukan dengan kartu kredit.
Non-performing loan data is show in nominal
5. Data Non Performing Loan
and percentage figures.
Data Non Performing Loan yang ditampilkan
Data related to the information above is
merupakan Non Performing Loan Gross, yakni
shown as figures in the earning assets table;
tanpa memperhitungkan penyisihan yang
and NPL.
dibentuk untuk mengantisipasi risiko kerugian.
6. Data regarding money instruments in the funds
Data Non Performing ditampilkan dalam nominal
disbursement account.
dan persentase.
Data regarding money instruments includes
Data yang terkait dengan penjelasan tersebut di
money instruments that are issued by a non-bank
atas ditujukan untuk data dalam tabel aktiva
third party. The data does not calculate bonds
produktif; dan NPL.
from a recapitalization program issued by the
6. Data Surat Berharga dalam pos penyaluran dana
Government.
Data surat berharga yang ditampilkan merupakan
The data mentioned above is displayed in the
surat berharga yang diterbitkan oleh pihak ketiga
business operations table.
bukan bank. Data yang ditampilkan tidak

memperhitungkan obligasi dalam rangka
program rekapitalisasi yang diterbitkan oleh
7. The table displays the weighted-average of

interest rates.
8. Estimates of Additional Paid-In Capital
Pemerintah.
The estimates are derived from the agio account;
Data yang terkait dengan penjelasan tersebut
capital contributions; and adjustments resulting
ditujukan untuk data dalam tabel kegiatan usaha.
from the conversion of overseas branch office
7. Data suku bunga menggunakan suku bunga

rata-rata tertimbang
financial reports.
9. Estimates of Reserves
8. Perkiraan Tambahan Modal Disetor
PENJELASAN
CLARIFIC
ATIONS
CLARIFICA
Terdiri dari pos agio; (disagio); modal sumbangan;
The estimates are derived from the general
dan penyesuaian akibat penjabaran laporan
reserve, designated reserves and retained
keuangan kantor cabang di luar negeri.
earnings accounts.
9. Perkiraan Cadangan
Terdiri dari pos Cadangan umum; Cadangan
tujuan; dan Laba yang ditahan.
10. Proses Download Data
10. Data downloading process
Data from the Commercial Bank Monthly

Reports and the sharia Bank Monthly
Reports is submitted by the reporting
Data Laporan Bulanan Bank Umum (LBU)
banks
dan Laporan Bulanan Bank Umum Syariah
processed using the Bank Indonesia
(LBUS) yang disampaikan dari bank pelapor
Banking
kepada Bank Indonesia, diolah melalui
Information System. The time taken to
Sistem Informasi Manajemen Sektor
download data from commercial banks
Perbankan Bank Indonesia (SIMSPBI).
through the Bank Indonesia Banking
Perbedaan waktu download data LBU
Sector Management Information System can
melalui sistem SIMSPBI dapat menyebabkan
result in variations of the data that is
perbedaan pada data yang dipublikasikan
published in this book, compared to other
ini dengan data publikasi yang lain. Oleh
published data. Therefore, readers are
sebab itu, pembaca dihimbau untuk
recommended to taken into account the
memperhatikan waktu download data.
downloading time.
Pemrosesan data bulan laporan November
The processing of the November 2009
2009 untuk Publikasi Statistik Perbankan
monthly reports for the November 2009
Indonesia Edisi November 2009 dilakukan
edition of the Indonesian Banking Statistics
pada tanggal 28 Desember 2009.
was done on 28 December 2009.
11. Publikasi Publikasi Statistik Perbankan Indonesia
11. The Indonesian Bank Statistics Book is also
juga dilakukan melalui website Bank Indonesia
published via the Bank Indonesia website
(www.bi.go.id).
(www.bi.go.id).
vi
to
Bank
Indonesia,
Sector
and
is
Management
DAFT
AR SINGKA
TAN
AFTAR
SINGKAT
LIST OF ABREVIA
TIONS
ABREVIATIONS
APYD
: Aktiva Produktif Yang Diklasifikasikan
APYD
: Classified Earning assets
ATMR
: Aktiva Tertimbang Menurut Risiko
ATMR
: Risk Weighted Assets
BOPO
: Biaya Operasional terhadap
BOPO
: Operations Expenses to Operations
Pendapatan Operasional
Income
BPD
: Bank Pembangunan Daerah
BPD
: Regional Development Bank
CAR
: Capital Adequacy Ratio
CAR
: Capital Adequacy Ratio
DPK
: Dana Pihak Ketiga
DPK
: Third Party Funds
KAP
: Kualitas Aktiva Produktif
KAP
: Earning assets Qualtiy
KBAB
: Kewajiban Bersih Antar Bank
KBAB
: Inter-Bank Net Liabilities
KP
: Kantor Pusat
KP
: Head Office
KC
: Kantor Cabang
KC
: Branch Office
KCP
: Kantor Cabang Pembantu
KCP
: Sub-Branch Office
KK
: Kantor Kas
KK
: Cash Office
KPW
: Kantor Perwakilan
KPW
: Representative Office
LBU
: Laporan Bulanan Bank Umum
LBU
: Commercial Bank Monthly Report
LDR
: Loan to Deposit Ratio
LDR
: Loan to Deposit Ratio
NIM
: Net Interest Margin
NIM
: Net Interest Margin
NPL
: Non Performing Loan
NPL
: Non-Performing Loan
PPAPYD : Penyisihan Penghapusan Aktiva

Produktif yang Dibentuk
PPAPYD : Productive Asset Write-off Reserve

PPAPWD : Mandatory Productive Asset Write-off
PPAPWD : Penyisihan Penghapusan Aktiva

Produktif yang Wajib Dibentuk
ROA
: Return on Asset
Reserve
ROA
SIMSPBI : Bank Indonesia Banking Sector
SIMSPBI : Sistem Informasi Manajemen Sektor

Perbankan Bank Indonesia
UKM
: Usaha Kecil Menengah
UMKM
: Usaha Mikro Kecil Menengah
: Return on Assets
Management Information System

UKM
: Small/Medium-Scale-Enterprise Industry
UMKM
: Small/Medium/Micro-Enterprise Industry
(SMEs)
vii
DAFT
AR ISTILAH
AFTAR
LIST OF TERMS
Aktiva Produktif : Penanaman dana Bank baik
APYD
Earning assets
dalam Rupiah maupun valas
foreign currency by a Bank to the
dalam bentuk kredit, surat
form of credits, money instruments,
berharga, penempatan dana
inter-bank placements, equity
antar bank, penyertaan, termasuk
participation, including commitments
komitmen dan kontinjensi pada
and contingencies of the off-balance
transaksi rekening administratif.
sheet account.
: Aktiva produktif baik yang sudah

maupun
yang
mengandung
potensi
tidak
memberikan
Classified
have the potential to not pro-
Assets
vide a profit or could even incur a
Assets
: Terdiri dari :
Call Money BI
viii
1. Assets in the balance sheet

that are ranked according to
bobot sesuai kadar risiko kredit
the level of risk of the credit
yang melekat
in question.
2. beberapa pos dalam off-
2. Several accounts in the off-
balance sheet yang diberikan
balance sheet that are ranked
bobot sesuai dengan kadar
according to the level of risk of
risiko kredit yang melekat
the credit in question.
: Penempatan dana pada Bank
BI Call Money
: Fund placements at Bank Indonesia
Indonesia dalam bentuk call
in the form of call money,
money yang merupakan intervensi
representing a rupiah intervention
rupiah oleh Bank Indonesia dalam
by Bank Indonesia as part of open
rangka operasi pasar terbuka
market operations (OPT).

Third Party
: Simpanan pihak ketiga bukan
Funds
: Non-bank third party deposits

consisting of demand deposit,
bank yang terdiri dari Giro,
savings deposit and time
Tabungan
deposit.
dan
Simpanan
berjangka
Kredit
: Consists of:
1. aktiva neraca yang diberikan
(OPT)
DPK
loss.
Risk Weighted
kerugian
: Earning assets that do not, or
Productive
penghasilan atau menimbulkan
ATMR
: The investment of either Rupiah or
Credit
: The provision of funds or related
: Penyediaan uang atau tagihan
claims based on an agreement or
yang dapat dipersamakan dengan
contract to borrow/loan funds
itu, berdasarkan persetujuan atau
between banks and another party
kesepakatan pinjam-meminjam
that obliges the borrower to pay
DAFT
AR ISTILAH
AFTAR
LIST OF TERMS
antara Bank dengan pihak lain
off his/her debt according to a
yang mewajibkan pihak peminjam
designated schedule and interest
untuk melunasi utangnya setelah
charges, including:
jangka waktu tertentu dengan
1. The purchase of Money
pemberian bunga, termasuk :
Instruments
1. Pembelian Surat Berharga
complete with a Note Purchase
nasabah yang
dengan
Note
dilengkapi
by
clients,
Agreement (NPA).
Purchase
2. The transfer of claims involved
Agreement (NPA)
in factoring activities.
2. Pengambilalihan tagihan dalam

rangka kegiatan anjak piutang
Channelling
Credit
: Credit in rupiah or foreign
Penerusan Kredit : Kredit dalam rupiah maupun valas
currency that is from another party
yang disalurkan oleh bank yang
that is disbursed by a bank,
dananya berasal dari pihak lain,
wherein the bank does not bear
dan atas penyaluran kredit
any
tersebut bank tidak menanggung
disbursement. Channelling credits
risiko. Penerusan kredit ini
are recorded in the off-balance
dibukukan
sheet.
pada
rekening
risk
for
the
credit
administratif (off-balance sheet)
ix
DAFT
AR RASIO
AFTAR
CAR
= (Modal) / ATMR
(sesuai SE No.6/23/DPNP anggal 31 Mei
2004)
Modal, terdiri dari :
1. Modal Inti
2. Modal Pelengkap
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 (maksimal
1,25% dari ATMR)
3. Modal pinjaman
LIST OF RA
TIOS
RATIOS
CAR
= (Capital) / ATMR
(pursuant to Circular Letter No. 6/23/DPNP
dated May 31, 2004)
Capital, consist of:
1. Tier One Capital
2. Supplementary capital
Tier One Capital consist of:
1. Paid-In Capital
2.Additional capital reserves, consisting of:
a. Plus Factors:
1. Agio
2. Capital contributions
3. General reserves
4. Designated reserves
5. Last years earnings after taxes
6. Current years earnings after
taxes (50%)
7. Positive adjustment resulting
from the conversion of overseas
branch office financial reports.
8. Paid-In Capital
b. Minus Factors:
1. Disagio
2. Retained losses
3. Current earnings
4. Negative adjustment resulting
from the conversion of overseas
branch office financial reports.
5. Decrease in value of portfolio
equity investments that are
ready to be sold.
Tier one capital is calculated minus
goodwill.
Supplementary capital consists of:
1. Fixed assets re evaluation reserve
2. PPAP general reserve (maximum
1.25% of RWA)
3. Borrowed capital
4. Subordinated loans (maximum 50%
of tier one capital)
DAFT
AR RASIO
AFTAR
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

2004)
Rasio ROA
= Laba Sebelum Pajak disetahunkan

/ Rata-rata total aset
(sesuai SE No.6/23/DPNP tanggal 31 Mei
2004)
Rasio BOPO = Total beban operasional / Total

pendapatan operasional
Rasio dihitung per posisi (tidak
disetahunkan)
2004)
Rasio Aktiva -Pasiva = Aktiva Likuid < 1 bulan /
Pasiva Likuid < 1 bulan
Aktiva Likuid < 1 bulan, terdiri dari:
1. Kas
2. Giro BI
3. SBI
4. Antar Bank Aktiva (giro, deposit on
call, call money)
Pasiva Likuid < 1 bulan, terdiri dari:
1. Giro
2. Tabungan
3. Deposito
4. Kewajiban segera
5. Kewajiban pada bank lain (giro,
deposit on call, call money)
(sesuai SE No.6/23/DPNP tanggal 31
Mei 2004)
Rasio LDR = Kredit / Dana Pihak Ketiga
Kredit merupakan total kredit yang
LIST OF RA
TIOS
RATIOS
5. Increase in the value of portfolio

investments that are ready to be sold
at the highest 45%.
Earning assets
Quality Ratio = Classified Earning assets / Total Earning assets
(pursuant to Circular Letter No. 6/23/
DPNP dated May 31, 2004)
Return on Assets
Ratio
= Annual Profit before taxes / Average
Assets
Operations Expenses /
Operations Income = Operations expenses / Operations Income for the same period.
Liquid Asset to liquid Liabilities
Ratio
= Liquid Asset < 1 month / Liquid
Liabilities < 1 month
Liquid Asset < 1 month, consist of:
1. Cash
2. Demand deposit on BI
3. Certificate of Bank Indonesia
4. Inter Bank Asset (demand deposit,
deposit on call, call money)
Liquid Liabilities < 1 month, consist
of:
1. Demand deposit
2. Savings deposit
3. Time deposit
4. Current liabilities
5. Liabilities to other bank (demand
deposit, deposit on call, call money)
(pursuant to Circular Letter No. 6/23/DPNP dated May 31, 2004)
xi
diberikan kepada pihak ketiga (tidak

termasuk antar Bank)
Dana Pihak Ketiga mancakup giro,
tabungan, dan deposito (tidak
termasuk antar Bank)
(sesuai SE No.6/23/DPNP anggal 31
Mei 2004)
LDR
= Total Kredit / (Penghimpunan Dana +
Modal Inti)
Total Kredit, merupakan kredit yang
diberikan kepada masyarakat dan
bank lain
Penghimpunan Dana, terdiri dari :
1. Simpanan pihak ketiga
2. Bank Indonesia
3. ABP lebih dari 3 bulan
4. Pinjaman yang diterima lainnya lebih
dari 3bulan
5. Modal Pinjaman
(sesuai SK Dir No.30/12/KEP/DIR tanggal
30 April 1997 - untuk BPR)
Rasio NPL = (Kredit dalam kualitas Kurang lancar,
Diragukan dan Macet) / Total Kredit
Rasio NIM = Pendapatan Bunga Bersih / Rata-Rata
Aktiva Produktif
Pendapatan Bunga Bersih =
Pendapatan Bunga Beban Bunga
perhitungan pendapatan bunga
bersih disetahunkan.
(sesuai SE No.6/23/DPNP tanggal 31 Mei
2004)
xii
Loan to Deposit
Ratio
= Credit / Third Party Funds
Credit is total credit to third party (not
including third party bank)
Third Party Funds consist of Demand
deposit, savings deposit and time deposits (not including interbank)
(pursuant to Circular Letter No. 6/23/DPNP
dated May 31, 2004)
Loan to Deposit
Ratio
= Total Credit / (Collection of fund + tier
one capital)
Total Credit is total credit to third party
and other bank
Collection of fund, consist of :
1. third party deposit
2. Bank Indonesia
3. ABP more than three months
4. Loan received with maturity of more
than three months
5. Loan Capital
(pursuant to Circular Letter No. 30/12/KEP/DIR
dated April 30,1997 - on BPR)
Non-Performing
Loan Ratio = Credits that are sub-standard, doubtful and loss) / Total Credits
Net Interest Margin
Ratio
= Net Interest Income / Average Earning
assets
Net Interest Income = Interest Income
Interest charges
Annual net interest income is used for
the calculation of NIM
(pursuant to Circular Letter No.6/23/DPNP
dated May 31, 2004)
DAFT
AR TABEL / LIST OF TABLES
AFTAR
DAFTAR TABEL / LIST OF TABLES
Topik / Judul
No.
1.
No. Tabel/Tables
Kegiatan Usaha Perbankan
Halaman/
Pages
3
Bank Industries Operation

DATA BANK UMUM
2.
COMMERCIAL BANK DATA

Kegiatan Usaha Bank Umum
1.1 s.d 1.7
1.8 s.d 1.14
13
1.15 s.d 1.21
20
1.22 s.d 1.29
27
1.30
35
Commercial Banks Operation

3.
Laporan Laba/Rugi Bank Umum

Commercial Banks Income Statement
4.
Rekening Administratif Bank Umum

Commercial Banks Off balance-sheet
5.
Kinerja Bank Umum

Commercial Banks Performance
6.
Jumlah Bank Umum Berdasarkan TIngkat Rasio

Commercial Bank Based on Ratios
7.
Aset Bank Umum
1.31 s.d 1.33
Commercial Banks Assets

a. Perkembangan Aset Bank Umum
1.31
36
1.32
37
1.33
38
1.34 s.d 1.40
39
1.41
46
1.42 s.d 1.49
47
1.50 s.d 1.57
55
1.58
63
Commercial Banks Asset Growth

b. Bank Umum Berdasarkan Total Aset
Commercial Banks based on Assets
c. Peringkat Bank Umum Berdasarkan Total Aset
Commercial Banks Rating based on Total Assets
8.
Aktiva Produktif Bank Umum

Commercial Banks Earning Assets
9.
Non Performing Loan (NPL) Bank Umum

Commercial Banks Non performing loan
a. Pengelompokan Bank Berdasarkan Rasio NPL
Category of Banks based on NPL Ratio
b. NPL Berdasarkan Sektor Ekonomi
NPL Based on Economic Sector
c. NPL Berdasarkan Jenis Penggunaan
NPL based on type of use
d. NPL Berdasarkan Lokasi Bank Penyalur
NPL based on Location of Bank
xiii
DAFT
AFTAR
Topik / Judul
No.
e. NPL Kredit yang penarikannya menggunakan kartu
No. Tabel/Tables
Halaman/
Pages
1.59
64
1.60 s.d 1.63
65
1.64
69
1.65 s.d 1.71
70
1.72
77
1.73 s.d 1.74
78
1.75
80
1.76 s.d 1.82
81
1.83
88
1.84 s.d 1.85
89
1.86
91
1.87
92
2.1 s.d 2.3
94
2.4
97
Non performing loan withdrawn by credit card

f. NPL UMKM
Non Performing loan of SMEs credit
g. NPL Penerusan Kredit (off-balance sheet)
NPL channelling credit (off-balance sheet)
10. Dana Pihak Ketiga (DPK) Bank Umum
Commercial Banks Third Party Funds
a. Komposisi DPK
Composition of Third Party Funds
b. Peringkat Bank Berdasarkan DPK
Bank Rating Based on Third Party Funds
c. DPK Berdasarkan Lokasi Penghimpunan
Third Party Funds based on location of deposit
d. Deposito Berdasarkan Jangka Waktu Simpanan
Time deposits based on length of maturity
11. Suku Bunga Rata-rata Dana Pihak Ketiga (DPK)
Average of interest rate of Third party fund
12. Peringkat Bank Berdasarkan Kredit
Rating of Bank based on credits
13. Suku Bunga Rata-rata Kredit
Average of Crerdit Interest Rates
14. Perkembangan Jumlah Bank dan Kantor Bank
Growth of total banks and bank offices
a. Perkembangan Jumlah Bank dan Kantor Bank Umum
Growth of total banks and commercial bank offices
b. Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah
Growth of total Branch offices based on Region
DATA BANK SYARIAH
SHARIA BANK DATA
15. Kegiatan Usaha Bank Umum Syariah
Sharia Commercial Bank Operation
16. Perkembangan Aset Perbankan Syariah
Growth of Sharia Bank Assets
xiv
DAFT
AFTAR
Topik / Judul
No.
No. Tabel/Tables
17. Aktiva Produktif Perbankan Syariah
Halaman/
Pages
2.5
98
2.6
99
2.7
100
2.8 s.d 2.9
101
2.10 s.d 2.11
103
2.12
105
3.1
108
3.2
109
3.3 s.d 3.4
110
3.5 s.d 3.6
112
3.7
114
3.8
115
3.9
116
3.10
117
Earning Assets of Sharia Banks

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

Topik / Judul
No.
29. Suku Bunga Rata-rata Kredit BPR
No. Tabel/Tables
Halaman/
Pages
3.11 s.d 3.12
118
3.13
120
3.14
121
4.1 s.d 4.8
124
4.9 s.d 4.16
132
4.17
140
4.18
141
4.19
142
4.20 s.d 4.21
143
4.22 s.d 4.24
145
4.25 s.d 4.27
148
4.28 s.d 4.32
151
Average of Credit Interest Rates of Rural Banks

30. Perkembangan Jumlah Bank dan Kantor Bank
Growth of Total Rural Banks and Bank Offices
a. Perkembangan Jumlah BPR
Growth of Total Rural Bank
b. Perkembangan Jumlah BPR Berdasarkan Lokasi
Growth of Total Rural Bank Offices based on Region
DATA PERKREDITAN
CREDIT DATA
31. Kredit Bank Umum Berdasarkan Sektor Ekonomi
Commercial Bank Credit based on Economic Sector
32. Kredit Bank Umum Berdasarkan Jenis Penggunaan
Commercial Bank Credit based on Type of Use
33. Kredit Bank Umum Berdasarkan Lokasi Bank Penyaluran
Commercial Bank Credit based on Location of Bank
34. Kredit Bank Umum Berdasarkan Hubungan dengan Bank
Credit of Commercial Banks based on Bank Relationship
35. Kredit yang Penarikannya Menggunakan Kartu
Credit Withdrawn by Credit Card
36. Penerusan Kredit Bank Umum
Commercial Bank Channelling Credit
37. Pembiayaan Perbankan Syariah
Detailed financing of sharia banks
38. Kredit Bank Perkreditan Rakyat
Rural Bank Credit
39. Kredit UMKM
Micro, Small, and Medium Enterprises Credit
xvi
DATA
2
Indonesian Banking Statistics - Vol. 7, No. 12, November 2009
Statistik Perbankan Indonesia - Vol. 7, No. 12, November 2009
Miliar Rp (Billion Rp)
Tabel 1 Kegiatan Usaha Perbankan (Bank Industries Operation)

Indikator (Indicator)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov

Penyaluran Dana (Distribution of Funds)
Bank Umum (Commercial Banks)
Bank Perkreditan Rakyat (Rural Banks)
SBI dan SBIS 1
932.971
15.145
94.058
1.140.278 1.380.373
18.096
21.904
54.256
179.045
1.702.520 2.019.745
26.549
30.858
203.863
2009
Des
2.015.221
31.313
152.301
166.518
Jan
Feb
2.019.451 2.055.482
31.323
31.756
208.510
216.538
Mar
Apr
Mei
Jun
Jul
Ags
2.101.682
32.398
2.083.944
32.999
2.135.083
33.396
195.400
204.229
194.400
193.171
2.072.521 2.049.895 2.055.448

31.282
31.724
31.989
208.106
211.152
Sep
Okt
2.120.583 2.151.440
33.760
34.640
182.436
Nov
2.200.646
35.181
190.412
199.442
Sumber Dana (Source of Funds)

1.105.769
12.911
1.283.480 1.468.369
15.453
18.733
1.718.965 1.988.567
22.629
25.969
1.990.345
26.345
1.979.356 2.007.997
26.453
26.873
2.016.788 1.993.826 1.989.812

26.520
26.950
27.066
2.028.568
27.414
2.006.177
27.839
2.051.898
28.200
2.052.457 2.053.403
28.528
29.130
2.094.344
29.600
Jumlah Aset (Total Assets)

1.272.081
16.707
1.469.827 1.693.850
20.393
23.045
1.986.501 2.303.362
27.741
32.086
2.310.557
32.533
2.308.030 2.343.741
32.239
32.703
2.352.110 2.327.383 2.309.821

32.681
33.046
33.259
2.353.136
33.765
2.331.404
34.278
2.384.626
34.762
2.388.616 2.393.983
35.221
36.055
2.439.731
36.704
Jumlah Bank (Total Banks)

Bank Umum (Commercial Banks) 2
133
2.158
131
2.009
130
1.880
130
1.817
126
1.769
124
1.772
123
1.767
123
1.768
123
1.768
122
1.758
122
1.757
122
1.760
122
1.760
122
1.763
121
1.765
121
1.744
121
1.746
Jumlah Kantor (Total Bank Offices)

7.939
3.472
8.236
3.110
9.110
3.173
9.680
3.250
10.740
3.350
10.868
3.367
12.010
3.389
12.035
3.401
12.047
3.408
12.201
3.417
12.500
3.422
12.556
3.430
12.571
3.435
12.616
3.446
12.652
3.454
12.763
3.465
12.795
3.617
Ket : 1 Sertifikat Bank Indonesia Syariah

2
Merger Bank Lippo & Bank Niaga menjadi Bank CIMB Niaga,Tbk sesuai SK No. 10/66/KEP.GBI/2008 tanggal 15 Oktober 2008 (bulan Jan & Feb 2009)
DATA BANK UMUM
4
Tabel 1.1 Kegiatan Usaha Bank Umum (Commercial Banks Operation)

Des
Des
Des
Des
2004 2005 2006 2007

a. Kredit (Credit)
Rupiah
Valas (Foreign Exchange)
b. Antar Bank (Inter-Bank)
Giro (Demand Deposit)
Inter Bank (Call Money)
Deposito (Times Deposits)
Lainnya (Others)
c. Penempatan di BI (Placements at BI)
SBI (BI Notes)
Call Money
Lainnya (Others)
d. Surat Berharga (tidak termasuk obligasi rekap)
(Securities (not including recapitalization bonds)
e. Penyertaan (Equity Participation)
f. Tagihan Lainnya (Other Claims)
a. DPK (Third Party Funds)
Rupiah
Giro (Demand Deposits)
Tabungan (Savings Deposits)
b. Kewajiban kpd BI (Liabilities owed to)
c. Antar Bank (Inter-Bank)
d. Surat Berharga (Securities)
e. Pinjaman yang Diterima (Loans received)
Rupiah
f. Kewajiban Lainnya (Other Liabilities)
g. Setoran Jaminan (Guarantee Deposits)
Beberapa Komponen Modal (Components of Capital)
a. Modal Disetor (Paid-In Capital)
b. Cadangan (Reserves)
c. L/R tahun berjalan (Current Earnings /Loss)
d. L/R tahun lalu (Retained Earnings/Loss)
e. Perkiraan tambahan modal disetor (Esimates of
Additional Paid-In Capital)
f. Modal pinjaman (Loan Capital)
2008
Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
1.301.844
1.041.704
260.140
231.843
46.380
94.216
19.133
72.114
342.040
87.907
216.538
24.596
12.999
127.572
1.305.389
1.060.645
244.744
236.912
47.038
100.270
20.041
69.562
341.002
86.098
208.106
27.917
18.880
132.974
1.297.635
1.074.594
223.041
223.362
38.317
99.376
22.491
63.178
350.511
86.633
211.152
36.132
16.594
132.011
1.305.377
1.091.831
213.546
233.789
44.264
105.945
22.094
61.486
332.449
86.577
195.400
35.119
15.353
140.171
1.335.041
1.119.758
215.283
229.413
35.314
109.869
19.372
64.857
348.868
86.033
204.229
41.214
17.392
142.418
1.338.116
1.125.668
212.449
219.991
31.453
102.667
21.265
64.606
333.377
88.722
194.400
36.029
14.226
141.458
6.771
47.491
6.854
45.329
7.031
49.213
6.685
39.691
6.907
36.755
7.031
38.912
8.856
42.145
1.753.292 1.748.814
1.460.443 1.454.098
307.743
304.465
675.983
688.743
476.717
460.891
292.849
294.716
122.257
126.515
148.722
145.091
21.870
23.110
11.272
11.677
158.648
153.508
14.301
14.426
12.949
13.154
8.395
8.398
4.554
4.755
34.663
32.715
5.220
5.062
1.771.098
1.461.268
296.132
706.408
458.728
309.830
132.721
152.545
24.564
13.161
158.729
14.545
13.472
8.473
4.999
31.844
5.148
1.786.157
1.476.229
306.440
710.330
459.459
309.928
130.519
146.411
32.997
15.399
157.377
14.490
9.828
8.400
1.427
28.608
4.930
1.780.918
1.486.074
318.118
704.041
463.916
294.844
124.716
138.028
32.100
12.112
140.462
14.463
10.831
8.415
2.416
30.060
4.979
1.783.644
1.490.470
307.896
716.659
465.915
293.174
123.243
137.361
32.570
9.704
139.853
15.253
10.420
8.069
2.350
25.256
5.683
1.823.811
1.532.453
322.879
727.752
481.822
291.358
123.926
134.349
33.083
8.413
135.734
16.630
12.528
7.741
4.787
25.621
5.831
1.806.621
1.516.073
310.550
724.064
481.459
290.548
126.563
130.047
33.938
8.297
135.233
17.133
10.340
7.780
2.560
22.874
5.679
Sep
Okt
Nov
1.377.561
1.179.103
198.458
240.990
37.283
117.104
21.146
65.456
353.491
92.492
190.412
50.155
20.432
130.534
1.397.578
1.199.840
197.738
262.571
50.351
128.642
21.215
62.363
347.508
97.501
199.442
32.334
18.232
144.062
9.573
38.568
9.802
39.063
9.945
38.983
1.847.038 1.857.251
1.544.834 1.553.587
332.449
322.254
727.176
730.861
485.210
500.472
302.204
303.665
134.657
138.169
133.818
129.802
33.729
35.693
7.755
8.064
135.848
125.179
17.327
13.938
11.918
17.063
7.801
8.147
4.116
8.916
26.595
25.370
5.417
5.593
1.864.084
1.565.937
320.491
741.724
503.722
298.146
127.814
134.609
35.724
7.818
123.401
14.931
15.428
8.122
7.306
22.484
5.256
1.896.952
1.578.719
324.641
738.416
515.662
318.233
139.738
139.630
38.865
8.304
128.881
14.934
12.766
8.094
4.672
27.310
5.197
559.470
438.645
120.825
103.473
7.807
40.840
20.110
34.716
207.944
77.130
94.058
31.882
4.875
37.788
695.648
565.846
129.802
159.120
11.139
90.425
17.792
39.764
209.578
102.266
54.256
39.743
13.312
44.224
792.297
638.500
153.798
156.906
9.051
83.314
20.086
44.455
343.455
125.791
179.045
21.216
17.403
55.988
1.002.012
791.605
210.407
139.777
11.562
58.717
12.435
57.064
418.269
167.566
203.863
35.727
11.114
108.007
1.325.323
1.036.146
289.177
220.044
23.630
82.956
18.719
94.739
292.776
79.980
152.301
41.293
19.202
105.729
6.160
18.136
6.122
25.586
5.924
25.803
5.620
28.835
6.479
69.394
963.106
818.208
170.843
351.460
295.905
144.898
74.879
69.530
489
12.076
89.369
14.261
9.802
6.295
3.507
13.731
3.424
1.127.937
930.160
193.854
455.038
281.268
197.777
87.558
109.995
224
11.874
99.417
13.411
11.406
8.508
2.898
16.192
3.242
1.287.102
1.093.445
249.564
510.008
333.873
193.657
88.447
105.155
55
10.807
119.454
14.942
12.883
7.023
5.860
19.913
3.267
64.612
5.285
29.463
-27.173
69.548
10.649
24.897
-18.478
73.046
13.997
28.334
-6.880
78.928
18.696
35.015
1.736
87.931
21.122
34.469
35.124
86.283
21.765
30.606
35.346
86.383
21.788
3.841
67.146
86.469
21.800
7.684
66.814
86.546
21.792
12.243
65.414
87.853
22.116
15.667
62.344
88.073
22.913
19.456
55.472
88.739
24.877
23.314
50.072
89.840
25.408
27.136
53.318
89.808
25.424
30.734
53.303
93.401
24.193
34.267
53.248
94.245
24.067
38.323
53.245
94.263
24.067
41.389
53.110
53.970
1.737
37.082
14.464
42.248
14.946
45.413
14.863
31.242
1.037
37.815
1.047
38.423
1.164
37.179
1.130
38.234
1.374
42.101
1.571
43.677
1.599
43.934
1.245
39.045
1.186
38.722
1.467
39.501
1.479
39.125
990
39.659
1.159
1.510.834 1.707.876
1.284.797 1.397.264
309.335
312.269
540.982
635.706
434.480
449.288
226.037
310.613
96.216
127.193
125.726
160.512
4.095
22.908
9.105
16.932
137.790
190.740
17.333
14.108
14.319
13.800
8.023
8.766
6.296
5.034
24.893
39.907
4.691
5.204
1.307.688 1.289.839
1.054.289 1.033.378
253.399
256.461
213.779
212.346
40.318
33.158
81.435
86.226
20.436
19.034
71.589
73.928
322.333
346.842
83.927
84.421
166.518
208.510
49.799
32.383
22.090
21.527
113.851
116.161
Ags
6.626
50.944
1.365.942 1.366.076
1.149.193 1.165.757
216.750
200.319
236.257
252.866
38.058
45.469
110.018
117.435
22.173
22.171
66.008
67.790
339.688
319.983
89.871
92.752
193.171
182.436
39.948
29.183
16.698
15.612
141.604
133.517
9.392
42.200
Tabel 1.2 Kegiatan Usaha Bank Persero (State Owned Banks Operation)
Des
Des
Des
Des
2004 2005 2006 2007

a. Kredit (Credit)
Rupiah
Lainnya (Others)
SBI (BI Notes)
Call Money
Lainnya (Others)
Rupiah
Rupiah
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
222.855
171.427
51.429
28.865
2.783
11.758
3.551
10.773
64.312
35.500
15.991
9.981
2.840
12.384
256.413
204.534
51.879
44.496
2.298
28.756
3.773
9.668
72.469
41.850
10.121
14.911
5.587
10.920
287.910
231.582
56.328
47.679
2.706
29.772
3.994
11.207
101.745
52.290
29.736
9.649
10.070
11.093
356.151
282.055
74.095
41.287
3.515
15.574
3.187
19.010
151.828
78.113
46.200
20.758
6.756
29.617
469.900
384.453
85.447
63.342
11.051
25.021
4.250
23.020
85.029
28.521
27.159
22.647
6.702
26.442
470.665
396.024
74.641
62.023
12.447
26.395
3.728
19.453
114.991
33.759
36.763
34.014
10.455
28.742
463.971
389.114
74.857
61.802
11.217
25.569
4.780
20.236
111.555
32.094
57.977
13.879
7.605
25.694
471.491
395.767
75.724
64.095
15.814
23.652
5.218
19.412
98.399
31.105
53.260
8.789
5.245
29.301
480.597
407.707
72.889
74.349
20.972
26.643
5.970
20.765
84.784
30.840
34.290
11.643
8.011
30.188
484.482
418.172
66.310
67.971
15.496
29.342
5.367
17.767
91.037
30.755
39.981
16.165
4.135
30.438
491.163
428.590
62.572
75.054
18.161
34.531
4.766
17.596
85.656
30.792
32.491
16.934
5.439
33.508
511.883
446.745
65.139
73.782
12.834
36.868
3.784
20.295
92.685
31.404
34.828
20.893
5.559
33.544
512.725
449.066
63.659
70.789
9.875
34.745
3.946
22.225
86.544
32.362
32.120
16.615
5.447
34.783
523.875
459.823
64.052
85.752
17.458
39.236
4.558
24.499
81.746
32.249
28.269
15.472
5.756
34.594
518.113
462.235
55.878
89.142
22.799
36.023
4.724
25.597
73.588
32.074
26.810
11.528
3.176
30.931
524.081
468.315
55.765
80.929
19.658
34.307
4.336
22.629
88.335
32.644
23.879
24.670
7.141
29.657
531.249
475.346
55.902
94.593
27.878
41.792
4.467
20.456
84.639
32.352
31.161
15.629
5.497
41.298
3.758
8.440
3.327
13.512
2.872
10.331
1.922
10.372
1.712
19.981
1.842
14.258
1.841
13.170
1.785
12.023
1.839
17.470
1.886
11.219
1.924
10.364
1.925
12.163
1.876
13.801
1.896
14.118
1.918
11.756
1.943
12.730
1.958
12.515
375.731
333.328
63.449
128.831
141.048
42.403
19.762
22.519
123
7.486
43.599
9.259
7.417
4.645
2.773
4.539
1.955
431.397
373.204
70.509
166.542
136.153
58.192
23.813
34.177
203
7.673
33.734
8.559
9.021
6.666
2.354
4.993
1.747
480.394
426.160
88.947
176.718
160.496
54.234
23.377
30.818
38
6.493
33.422
9.379
6.750
4.482
2.268
5.366
1.645
571.008
509.552
121.749
179.313
208.490
61.456
24.865
36.559
33
5.881
41.998
9.259
6.714
4.118
2.595
7.578
2.391
621.880
535.655
107.943
214.961
212.751
86.226
28.723
49.769
7.733
6.821
62.169
5.607
4.048
3.749
299
7.859
2.756
669.827
588.704
123.438
235.219
230.047
81.123
28.329
45.395
7.399
5.446
52.023
5.631
3.880
3.618
262
7.174
2.838
649.338
569.593
114.046
234.906
220.640
79.746
31.141
41.342
7.263
5.126
52.056
5.662
3.875
3.601
274
7.208
2.947
645.356
562.334
106.478
238.891
216.965
83.022
32.841
42.359
7.822
5.313
51.859
5.640
3.855
3.575
281
6.730
2.942
654.751
570.032
104.215
247.413
218.404
84.719
34.842
41.705
8.172
4.849
52.755
5.555
3.793
3.521
272
7.132
2.861
657.564
575.604
109.562
246.250
219.791
81.960
32.553
41.854
7.552
4.815
45.435
5.477
4.859
3.502
1.357
7.949
2.701
659.249
578.099
102.336
256.787
218.976
81.149
30.470
42.852
7.828
4.806
49.238
6.259
4.472
3.152
1.321
7.115
2.786
684.450
602.718
110.553
261.945
230.220
81.732
30.094
43.296
8.342
4.786
47.467
8.324
6.350
3.043
3.306
7.392
3.093
677.812
595.462
107.965
259.643
227.854
82.350
30.453
43.704
8.194
4.946
52.165
8.316
4.072
2.802
1.269
7.025
2.973
696.359
601.983
112.458
261.615
227.910
94.376
39.483
46.791
8.102
4.801
49.112
8.490
5.626
2.821
2.805
7.863
2.667
694.161
604.474
107.455
260.910
236.108
89.687
37.784
43.219
8.685
4.645
42.740
5.059
10.825
3.166
7.659
7.351
2.904
699.218
610.300
108.399
265.130
236.771
88.918
31.472
48.713
8.733
4.544
43.626
5.009
9.196
3.132
6.064
7.165
2.892
720.979
619.085
110.569
265.927
242.589
101.894
37.455
55.177
9.262
4.565
45.425
5.010
6.767
3.325
3.443
8.003
2.901
27.284
1.880
12.501
-14.278
27.439
5.933
9.185
-13.528
27.751
8.097
9.644
-12.107
28.572
10.837
13.332
-10.772
29.964
12.378
11.938
7.508
29.965
12.363
13.159
7.508
29.965
12.385
1.395
21.495
29.965
12.397
2.778
21.418
29.965
12.363
4.017
20.663
29.965
12.359
5.136
20.662
29.978
12.761
6.354
18.136
29.992
13.201
8.101
17.601
29.992
13.731
9.218
14.714
29.992
13.734
10.550
14.727
26.992
12.502
11.579
14.704
26.993
12.410
13.361
14.704
27.000
12.410
14.650
14.704
25.133
1.255
9.815
13.844
13.145
13.844
15.864
13.908
8.021
0
11.961
0
12.181
0
12.210
0
12.459
0
13.081
-
13.429
-
13.650
-
14.223
-
14.143
-
14.280
-
14.089
-
14.635
-
6
Tabel 1.3 Kegiatan Usaha BUSN Devisa (Foreign Exchange Commercial Banks Operation)
Des
Des
Des
Des
2004 2005 2006 2007

a. Kredit (Credit)
Rupiah
Lainnya (Others)
SBI (BI Notes)
Call Money
Lainnya (Others)
Rupiah
Rupiah
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
209.176
181.832
27.344
28.133
2.951
13.068
2.141
9.973
92.738
30.341
53.903
8.151
344
19.034
277.591
248.996
28.594
48.464
4.965
27.163
4.455
11.882
75.913
43.510
15.898
14.788
1.716
23.809
315.256
276.768
38.488
45.908
3.514
23.795
3.887
14.712
133.141
49.313
79.344
4.484
29.702
407.742
351.351
56.390
37.716
3.191
16.692
2.783
15.050
146.616
54.966
83.476
8.148
26
55.471
520.394
442.468
77.927
53.141
9.008
22.479
5.955
15.699
100.982
33.827
54.683
7.774
4.698
55.920
524.295
452.613
71.682
57.016
21.825
16.350
5.355
13.486
116.730
32.354
73.834
6.909
3.633
59.650
510.577
439.066
71.511
54.626
17.942
15.664
5.702
15.318
134.193
35.313
88.304
7.768
2.808
66.226
509.396
437.822
71.574
62.982
24.884
18.843
5.503
13.751
139.126
39.261
94.328
4.934
603
69.968
502.127
439.207
62.920
58.091
19.789
20.693
4.393
13.216
145.405
37.410
101.662
5.402
931
72.289
498.159
441.137
57.022
58.201
17.008
22.743
4.994
13.455
145.760
38.061
97.026
8.902
1.770
71.389
497.546
441.600
55.946
63.312
21.114
25.197
4.804
12.198
142.162
37.553
95.542
7.451
1.616
73.254
505.360
447.973
57.388
57.750
16.171
23.504
5.197
12.877
149.022
36.910
104.048
5.336
2.728
75.727
501.951
446.281
55.670
58.726
16.257
24.439
5.815
12.216
144.767
38.029
95.384
8.096
3.258
74.127
510.840
452.929
57.911
58.736
15.322
26.782
4.879
11.753
151.561
38.929
98.682
11.648
2.302
75.192
518.445
462.286
56.159
63.619
16.467
28.047
5.966
13.138
146.950
42.274
98.247
3.384
3.045
72.246
519.464
463.016
56.448
59.730
11.252
30.572
5.294
12.612
161.474
41.193
107.484
10.355
2.443
70.114
532.020
474.967
57.053
66.340
14.913
32.450
6.266
12.712
166.048
46.731
111.076
5.142
3.099
69.578
2.050
4.827
2.616
6.427
2.979
8.620
3.613
10.892
4.664
23.613
4.681
17.401
4.827
16.007
4.966
16.089
5.087
15.851
4.690
14.941
4.873
13.789
4.996
14.356
6.870
15.179
7.386
15.977
7.544
15.032
7.718
14.534
7.846
14.771
403.530
357.288
60.240
162.725
134.323
46.242
27.402
18.812
28
4.105
18.512
2.631
1.612
1.094
517
5.235
746
462.747
397.939
58.170
217.098
122.671
64.808
32.992
31.794
21
3.739
31.276
2.721
1.419
876
544
5.499
558
525.177
455.098
68.884
244.890
141.324
70.079
35.216
34.845
17
4.151
40.308
2.537
5.168
1.576
3.592
6.268
749
606.932
528.154
91.502
252.222
184.429
78.778
36.676
42.082
21
3.109
49.041
4.768
6.455
2.754
3.701
6.338
886
676.860
570.680
89.946
286.142
194.593
106.180
49.310
51.446
5.425
7.878
52.718
5.224
8.359
3.624
4.735
10.691
835
701.710
597.459
89.607
309.732
198.120
104.251
47.875
51.326
5.051
3.910
48.388
5.383
7.683
3.391
4.292
9.834
794
706.082
601.147
87.163
317.523
196.461
104.935
48.142
51.629
5.164
3.709
46.879
5.477
7.871
3.390
4.481
9.005
789
717.938
606.359
86.499
321.224
198.637
111.578
50.523
55.643
5.413
4.085
50.629
5.619
8.106
3.388
4.718
10.086
894
711.545
600.180
88.561
313.512
198.107
111.365
45.425
52.502
13.438
5.326
46.418
5.649
4.525
3.370
1.156
9.282
801
709.138
599.959
90.314
309.302
200.342
109.179
46.227
49.441
13.511
4.665
37.970
5.693
4.428
3.369
1.059
10.163
910
711.150
602.236
90.259
309.301
202.675
108.914
46.994
48.373
13.547
3.292
36.707
5.720
4.398
3.368
1.030
9.751
943
719.751
612.995
97.669
308.852
206.474
106.756
47.365
45.531
13.860
2.826
37.600
5.701
4.671
3.190
1.481
10.007
873
715.713
608.529
92.917
308.232
207.380
107.184
49.284
43.816
14.084
2.694
33.473
5.631
4.535
3.244
1.291
8.333
892
729.446
621.437
103.252
307.462
210.723
108.009
49.537
44.474
13.998
2.386
34.672
5.650
4.545
3.234
1.311
9.520
916
738.571
625.657
100.042
309.021
216.594
112.913
53.402
44.397
15.113
3.012
38.366
5.649
4.480
3.223
1.257
10.825
879
737.653
629.160
98.207
312.578
218.374
108.493
48.661
44.682
15.150
2.622
33.977
6.457
4.471
3.229
1.242
8.793
894
755.441
641.396
105.063
313.639
222.693
114.046
53.000
45.522
15.523
2.655
35.877
6.459
4.456
3.227
1.230
12.164
949
20.435
1.461
10.571
-13.590
22.490
2.462
9.294
-9.096
24.524
3.332
9.822
-925
25.523
4.646
11.735
4.468
29.467
4.511
9.866
14.875
27.969
5.186
4.809
14.948
28.069
5.186
1.047
19.617
28.075
5.186
2.166
19.494
27.494
5.191
3.556
19.614
28.683
5.193
4.921
18.932
28.683
5.323
6.057
17.376
28.873
6.161
6.978
14.878
29.909
6.060
8.519
21.371
29.883
6.066
9.906
21.348
36.798
6.067
11.491
21.096
36.438
6.047
12.748
21.094
36.713
6.047
13.715
21.065
26.223
176
27.146
155
28.197
229
28.848
150
25.033
75
26.893
0
27.043
100
26.289
100
26.652
100
29.582
100
30.432
100
30.771
100
24.925
100
24.885
100
25.331
100
25.223
0
25.235
5
Tabel 1.4 Kegiatan Usaha BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Operation)
Des
Des
Des
Des
2008
2009
2004 2005 2006 2007
a. Kredit (Credit)
Rupiah
Lainnya (Others)
SBI (BI Notes)
Call Money
Lainnya (Others)
Rupiah
Rupiah
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
15.101
15.101
1.107
58
215
75
759
4.362
1.265
2.260
867
2
670
16.842
16.842
1.136
266
380
49
440
4.892
1.502
2.529
842
18
902
19.114
19.114
1.509
297
720
25
467
5.558
1.666
3.172
713
6
1.100
23.863
23.863
1.604
440
556
59
549
9.238
2.021
6.352
621
243
1.521
27.072
27.072
1.159
373
152
45
589
6.142
1.681
3.293
648
520
2.903
27.122
27.122
1.238
121
205
28
884
8.503
1.678
5.393
807
625
2.812
26.918
26.918
1.341
84
454
41
762
9.271
1.699
5.733
756
1.084
2.653
28.374
28.374
1.546
107
618
44
777
9.736
2.030
6.626
471
610
2.739
26.261
26.261
1.743
134
695
86
828
9.647
1.678
6.503
916
550
2.667
26.683
26.683
1.512
136
481
77
819
9.400
1.720
5.986
1.082
611
3.010
27.308
27.308
1.848
115
842
76
814
9.384
1.736
5.500
1.417
731
3.159
28.323
28.323
2.093
117
1.063
77
837
9.166
1.831
6.124
685
526
4.010
30.069
30.069
1.491
106
506
84
795
9.253
1.876
6.312
764
302
3.697
31.306
31.306
1.602
104
546
102
850
9.339
1.941
5.974
894
530
3.905
31.917
31.917
1.846
131
792
84
840
8.911
1.985
5.594
779
552
4.143
33.057
33.057
1.538
87
505
67
878
9.892
2.109
6.310
861
612
4.031
34.165
34.165
1.666
104
560
127
875
9.178
2.153
5.683
817
526
4.147
17
3
1
104
52
187
0
48
0
61
0
62
0
46
0
35
0
36
0
96
0
94
0
83
0
38
0
5
0
5
0
23
19.166
19.166
1.900
15.049
2.217
229
341
28
67
67
240
2
21.970
21.970
1.798
18.052
2.120
250
309
68
68
129
24
24.423
24.423
1.811
20.234
2.379
20
802
59
59
161
26
30.491
30.491
2.195
25.103
3.194
17
2.017
309
62
62
226
6
31.944
31.944
1.634
27.026
3.285
38
691
287
76
76
244
8
33.213
33.213
1.779
28.059
3.375
0
0
388
1.088
301
76
76
244
8
33.817
33.817
1.802
28.713
3.303
0
0
136
1.459
301
85
85
282
8
35.454
35.454
1.883
29.958
3.613
0
0
11
1.340
301
93
93
316
11
33.414
33.414
1.562
28.615
3.238
347
1.256
301
92
92
269
7
34.041
34.041
1.578
29.107
3.355
33
1.145
301
90
90
323
7
35.147
35.147
2.249
29.478
3.420
10
1.159
301
89
89
309
7
37.060
37.060
2.008
31.281
3.771
162
1.154
273
87
87
321
7
37.685
37.685
1.918
32.033
3.734
40
1.211
273
313
313
337
5
38.856
38.843
2.009
32.860
3.974
13
0
13
82
1.301
273
312
312
355
5
39.260
39.260
2.086
33.235
3.939
41
1.626
283
310
310
367
5
39.926
39.926
2.079
33.922
3.924
274
1.370
1.027
309
309
340
5
40.500
40.500
1.939
34.566
3.994
82
1.912
1.026
80
80
365
5
1.839
122
498
354
1.984
160
279
575
2.258
194
399
677
3.042
200
765
921
3.402
215
809
1.300
3.693
217
604
1.332
3.693
219
17
1.897
3.773
219
62
1.882
3.623
228
98
1.750
3.633
231
137
1.719
3.633
231
188
1.691
3.985
254
191
1.634
3.985
258
319
1.626
3.988
258
348
1.626
3.872
257
373
1.595
4.265
257
407
1.594
4.265
257
417
1.594
38
63
-6
64
46
87
47
256
-46
403
-1
459
2
459
-21
379
19
627
36
626
93
626
13
378
91
378
73
628
123
644
67
444
55
444
8
Tabel 1.5 Kegiatan Usaha BPD (Regional Development Banks Operation)

Des
Des
Des
Des
2004 2005 2006 2007

a. Kredit (Credit)
Rupiah
Lainnya (Others)
SBI (BI Notes)
Call Money
Lainnya (Others)
Rupiah
Rupiah
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
37.232
37.209
23
15.177
716
535
12.425
1.501
18.086
4.001
8.045
4.468
1.573
1.290
44.931
44.889
42
13.785
936
1.923
9.104
1.822
36.628
7.286
17.297
6.414
5.630
3.477
55.955
55.919
36
21.139
1.191
6.042
12.018
1.888
69.589
14.196
43.115
4.973
7.304
3.654
71.881
71.529
351
14.786
2.332
4.285
6.400
1.769
62.827
20.972
34.842
4.000
3.014
9.503
97.497
96.794
704
12.563
481
2.109
8.349
1.625
63.010
8.570
41.256
6.315
6.869
10.133
96.385
95.751
635
19.517
734
5.923
11.216
1.645
45.986
8.677
26.260
4.709
6.340
10.212
96.371
95.717
654
17.985
582
7.428
8.397
1.578
48.735
7.799
24.906
6.573
9.456
10.359
98.443
97.842
600
18.494
593
8.040
8.248
1.613
49.618
7.757
29.068
6.413
6.381
10.839
100.880
100.303
577
17.465
641
5.773
9.466
1.585
56.679
8.157
31.452
7.988
9.082
10.899
103.949
103.407
542
19.782
553
5.679
11.937
1.613
58.737
8.557
32.499
8.076
9.605
10.833
107.325
106.738
586
19.444
550
5.270
12.117
1.507
54.480
9.162
29.870
8.087
7.362
10.854
111.057
110.475
581
17.894
675
5.212
9.985
2.023
52.380
8.580
28.496
6.999
8.306
10.539
113.797
113.233
565
18.100
745
4.699
11.098
1.558
48.214
8.877
26.924
7.316
5.097
10.201
117.396
116.824
573
19.580
570
5.165
12.288
1.556
49.742
9.177
25.041
7.673
7.851
10.208
119.667
119.119
549
19.759
906
6.153
11.186
1.515
46.337
8.714
22.673
6.281
8.669
10.072
121.874
121.333
540
18.665
1.036
4.893
11.228
1.508
48.747
8.803
22.314
7.656
9.975
9.745
123.260
122.732
528
17.018
885
4.563
10.240
1.330
41.939
8.643
17.374
7.102
8.821
9.766
12
3
14
9
13
9
34
24
34
356
34
341
34
390
34
388
36
1.303
36
478
37
458
36
434
36
366
36
364
36
404
36
397
36
358
59.486
59.356
30.401
13.560
15.395
130
62
68
256
3.685
2.343
489
489
2.089
116
85.283
85.213
50.631
17.475
17.107
70
43
27
212
2.705
2.131
898
898
2.834
134
129.141
129.065
74.692
29.365
25.008
75
31
44
144
4.307
3.026
905
905
5.871
232
134.287
134.077
69.123
31.750
33.205
209
167
42
1
99
5.733
2.997
1.089
1.089
6.812
466
162.210
161.848
89.531
41.232
31.084
362
50
309
4
78
3.906
2.890
1.318
1.318
3.199
357
143.262
143.027
70.653
34.877
37.497
235
93
138
4
882
10.092
2.887
1.310
1.310
4.627
543
151.045
150.762
79.855
38.153
32.753
283
112
168
4
274
4.406
2.886
1.323
1.323
2.969
409
155.017
154.792
81.337
41.984
31.470
226
71
150
4
66
4.042
2.886
1.416
1.416
2.487
375
166.111
165.895
90.091
45.206
30.598
216
66
146
4
64
3.113
2.886
1.417
1.417
2.433
343
172.660
172.346
95.653
45.504
31.188
314
99
211
4
63
3.251
2.893
1.454
1.454
2.554
329
171.724
171.398
92.091
47.552
31.754
327
91
230
5
62
2.993
2.873
1.461
1.461
2.488
307
171.573
171.230
88.812
50.299
32.120
342
93
242
7
52
5.265
2.233
1.421
1.421
2.774
279
169.456
169.157
84.637
51.469
33.051
299
78
215
5
52
4.462
2.815
1.420
1.420
2.518
281
173.696
173.400
87.668
53.178
32.554
296
88
203
5
51
5.297
2.815
1.434
1.434
4.028
309
173.873
173.215
85.313
54.088
33.813
658
444
209
5
50
5.673
2.847
1.448
1.448
2.225
326
175.135
174.472
84.429
55.155
34.888
663
427
230
6
50
5.841
2.340
1.452
1.452
2.487
353
168.015
167.415
77.911
52.968
36.536
599
330
263
6
49
5.842
2.340
1.463
1.463
2.811
374
5.233
939
2.391
-202
5.882
1.274
2.797
43
7.136
1.782
3.908
-68
8.979
2.367
4.530
-75
9.745
3.091
5.797
24
9.903
3.072
5.751
22
9.903
3.072
729
6.223
9.903
3.072
1.278
6.136
9.920
3.073
1.952
5.597
10.028
3.395
2.412
3.840
10.235
3.661
3.132
2.336
10.344
4.124
3.722
369
10.409
4.221
4.197
20
10.401
4.228
4.722
14
10.444
4.229
5.114
14
10.795
4.193
5.697
14
10.806
4.192
6.242
1
4
243
(45)
401
51
331
28
220
-377
139
-200
206
-187
206
-307
231
-182
243
-128
474
-50
513
-152
409
-74
360
-93
386
-41
397
-0
212
-25
378
Tabel 1.6 Kegiatan Usaha Bank Campuran (Joint Venture Banks Operation)
Des
Des
Des
Des
2004 2005 2006 2007

a. Kredit (Credit)
Rupiah
Lainnya (Others)
SBI (BI Notes)
Call Money
Lainnya (Others)
Rupiah
Rupiah
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
30.914
9.904
21.009
4.068
615
2.376
208
869
11.079
2.034
7.198
1.814
33
1.435
36.937
16.088
20.849
8.335
1.056
5.608
409
1.262
8.009
2.325
4.833
841
9
2.527
40.833
18.166
22.667
6.901
639
4.910
162
1.190
10.266
2.139
7.023
1.082
22
2.073
58.520
23.634
34.886
7.137
803
4.569
1.765
16.566
3.686
11.830
296
755
3.262
87.638
34.844
52.795
14.209
1.771
5.697
120
6.621
16.158
2.779
11.896
1.097
386
3.733
75.849
33.360
42.489
14.821
3.727
7.212
109
3.773
15.687
2.724
10.384
1.542
1.037
3.726
76.503
32.751
43.751
12.264
2.246
6.482
114
3.422
17.559
2.722
13.114
1.149
573
3.697
77.618
32.618
45.000
15.370
3.923
7.179
120
4.148
18.978
2.801
15.366
658
154
3.825
85.471
38.391
47.079
16.292
2.768
9.910
127
3.487
20.730
3.072
16.226
1.136
297
3.728
81.120
38.138
42.982
14.366
3.461
7.471
116
3.317
23.230
2.988
18.755
1.015
472
4.578
80.250
38.879
41.371
16.205
3.134
9.817
331
2.923
21.293
3.108
17.323
657
204
5.306
78.761
38.752
40.009
15.383
3.840
8.509
329
2.705
21.904
3.120
16.316
2.249
220
5.702
77.534
38.764
38.770
13.658
3.288
7.292
323
2.756
22.338
3.086
17.918
1.212
121
5.624
79.506
39.368
40.138
13.731
2.720
7.962
345
2.703
23.083
3.090
18.492
1.244
258
5.940
78.930
41.474
37.456
15.237
2.938
9.310
211
2.778
19.966
3.192
13.551
3.055
168
5.908
81.288
43.645
37.643
16.924
3.747
10.436
221
2.520
19.942
3.298
14.325
2.060
260
6.264
80.303
42.357
37.947
18.094
4.189
11.419
115
2.370
20.167
3.027
15.992
1.077
71
5.763
238
2.086
122
2.321
36
2.328
37
2.523
40
6.594
40
4.727
40
4.602
40
5.288
41
4.889
41
4.644
41
3.852
42
4.213
42
4.466
42
4.296
43
3.907
73
4.003
73
3.969
28.293
12.639
2.895
9.413
331
15.654
7.504
8.150
11.714
218
218
222
124
34.484
15.411
3.251
11.784
376
19.073
8.294
10.779
13.060
402
101
35.927
16.112
2.715
12.173
1.224
19.815
7.410
12.405
14.048
416
175
54.934
26.779
4.112
21.197
1.471
28.154
9.155
18.999
17.644
588
134
77.866
36.572
5.358
28.624
2.590
41.294
14.098
27.195
0
229
28.826
99
3.711
134
76.902
37.691
4.976
29.691
3.023
39.211
13.896
25.315
0
0
18.292
99
2.411
91
76.222
37.976
5.065
29.921
2.990
38.245
12.013
25.256
975
193
18.174
99
2.486
86
81.419
39.623
4.773
31.710
3.139
41.797
12.468
28.245
1.084
0
19.115
99
1
1
2.667
90
89.663
48.386
5.863
38.523
4.000
41.277
12.873
27.607
797
48
20.828
99
2.367
99
86.651
49.210
5.579
39.815
3.816
37.441
12.358
24.377
706
0
20.527
99
2.130
85
86.950
49.268
5.203
40.220
3.846
37.681
12.229
24.775
677
0
19.054
99
1.563
85
86.579
48.300
5.595
38.848
3.857
38.279
13.149
24.438
692
0
18.270
99
1.314
86
84.638
47.122
5.662
37.578
3.883
37.516
12.933
23.738
845
11
18.446
99
1.151
101
86.908
49.555
6.769
38.560
4.226
37.353
12.023
24.421
909
0
19.138
99
1.171
134
87.885
50.053
6.548
39.446
4.059
37.832
12.291
24.431
1.110
3
15.514
99
1.024
123
91.768
52.440
6.971
41.513
3.956
39.328
12.615
25.651
1.062
4
16.201
99
976
120
91.205
50.991
7.610
39.432
3.949
40.214
13.111
23.975
3.128
4
16.756
99
952
119
7.599
883
1.053
-1.092
8.377
820
1.370
485
8.002
592
1.561
1.786
9.434
646
1.656
3.579
11.273
927
1.799
4.804
10.673
927
2.026
4.920
10.673
927
196
6.967
10.673
927
494
6.914
11.464
937
725
7.207
11.464
937
948
7.256
11.464
937
1.085
7.224
11.464
1.138
1.282
6.879
11.464
1.138
1.331
6.879
11.464
1.138
1.484
6.879
11.464
1.138
1.598
6.879
11.924
1.160
1.826
6.879
11.650
1.160
1.939
6.907
1.487
-
(437)
-
-400
456
-343
329
-567
421
-487
382
-448
398
-511
419
-500
404
-444
370
-427
360
-453
357
-344
347
-372
353
-326
338
-343
334
-366
331
10
Tabel 1.7 Kegiatan Usaha Bank Asing (Foreign Owned Banks Operation)
Des
Des
Des
Des
2004 2005 2006 2007

a. Kredit (Credit)
Rupiah
Lainnya (Others)
SBI (BI Notes)
Call Money
Lainnya (Others)
Rupiah
Rupiah
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
44.192
23.172
21.020
25.516
664
12.349
1.710
10.793
16.741
3.825
6.290
6.571
54
2.973
62.935
34.497
28.439
42.905
1.618
26.595
2
14.690
11.667
5.792
3.577
1.947
351
2.588
73.230
36.951
36.279
33.770
704
18.075
14.992
23.157
6.187
16.654
315
8.367
83.856
39.171
44.685
37.246
1.280
17.040
5
18.921
31.195
7.808
21.163
1.904
320
8.633
122.821
50.516
72.305
75.630
947
27.497
47.186
21.454
4.601
14.015
2.812
26
6.598
113.372
49.420
63.952
59.163
1.465
25.350
32.348
20.437
4.735
13.885
1.817
0
8.709
115.499
49.812
65.687
64.328
1.088
30.628
32.612
25.529
4.794
18.475
2.258
1
7.533
116.522
49.281
67.241
69.356
1.059
35.884
32.413
26.183
4.954
17.891
3.331
8
10.900
110.054
48.775
61.278
68.971
2.735
36.556
29.681
23.757
4.940
17.974
833
10
13.204
103.240
47.057
56.184
61.530
1.663
33.660
26.207
22.348
4.551
16.904
893
0
11.764
101.785
48.716
53.069
57.926
1.190
30.289
26.447
19.473
4.226
14.674
572
0
14.090
99.657
47.490
52.166
62.511
1.678
34.713
26.120
23.711
4.187
14.419
5.053
52
12.895
102.040
48.254
53.786
57.226
1.183
30.987
25.057
22.262
4.493
15.743
2.026
0
13.027
103.018
48.943
54.075
56.857
1.884
30.326
24.647
24.217
4.486
16.713
3.017
2
11.765
99.005
48.727
50.278
63.262
2.229
37.110
23.923
24.231
4.514
15.560
4.156
1
10.217
97.796
49.735
48.062
63.204
1.504
36.391
25.309
25.100
4.444
16.101
4.554
2
10.724
96.581
50.273
46.308
64.861
2.381
37.859
24.621
25.536
4.596
18.156
2.567
217
13.510
85
2.765
43
3.213
23
4.462
12
4.837
29
18.802
29
14.157
29
13.260
29
11.496
29
9.665
32
8.373
32
8.195
32
7.651
32
8.251
32
7.407
32
7.466
32
7.394
32
7.346
74.796
35.443
11.744
21.149
2.550
39.353
19.608
19.407
338
11.491
1.386
476
92.057
36.423
9.495
24.087
2.841
55.634
22.416
33.218
18.334
2.336
679
92.040
42.586
12.515
26.629
3.442
49.455
22.412
27.042
26.566
1.832
440
113.182
55.743
20.655
31.398
3.690
57.438
25.353
28.045
4.040
21.357
3.350
809
137.115
60.565
17.858
37.722
4.985
76.551
35.013
31.792
9.746
1.887
42.431
14.203
1.115
128.377
60.349
17.290
38.405
4.654
68.028
32.064
26.547
9.417
648
28.764
10.374
947
132.310
60.803
16.534
39.526
4.743
71.506
35.107
26.696
9.704
2.239
30.533
10.765
823
135.914
62.706
15.163
42.640
4.904
73.208
36.818
26.148
10.242
3.686
31.744
9.557
836
130.673
58.322
16.148
37.061
5.112
72.351
37.313
24.452
10.586
4.765
33.007
7.124
818
120.865
54.915
15.431
34.062
5.422
65.950
33.479
22.145
10.326
2.537
32.134
6.941
946
119.424
54.322
15.759
33.320
5.243
65.101
33.458
21.131
10.512
1.534
30.703
4.030
1.554
124.398
60.149
18.241
36.527
5.381
64.249
33.225
20.842
10.182
586
25.978
3.813
1.493
121.318
58.118
17.451
35.110
5.556
63.199
33.814
18.574
10.811
553
25.477
3.509
1.427
121.773
59.616
20.292
33.500
5.824
62.157
33.526
17.917
10.715
435
26.328
3.658
1.387
123.502
60.928
20.809
34.160
5.959
62.574
34.248
17.546
10.780
313
21.259
3.578
1.357
120.384
59.640
20.406
33.425
5.809
60.745
34.639
15.332
10.773
325
22.386
2.724
992
120.812
59.332
21.548
31.884
5.899
61.480
35.841
14.693
10.946
948
23.069
3.015
849
2.221
2.462
2.496
3.376
1.971
3.044
3.376
3.000
3.757
3.376
2.998
3.614
4.080
4.260
6.614
4.080
4.257
6.616
4.080
456
10.947
4.080
906
10.970
4.080
1.895
10.583
4.080
2.113
9.935
4.080
2.639
8.709
4.080
3.041
8.709
4.080
3.552
8.709
4.080
3.725
8.709
3.830
4.112
8.960
3.830
4.284
8.960
3.830
4.425
8.838
133
-
609
-
1.210
-
970
-
(822)
-
(352)
-
(167)
-
(480)
-
(213)
-
(26)
-
200
-
105
-
224
-
87
-
136
-
88
-
126
-
Tabel 1.8 Laporan Laba / Rugi Bank Umum (Commercial Banks Income Statement)
Des Des Des Des 2 0 0 8
2004 2005 2006 2007 Nov Des
Jan
Feb
Mar
Apr
Mei
Jun
Ags
Sep
Okt
Nov
A. Pendapatan operasional(OperationsIncome)
1. Pendapatan bunga/bagi hasil/margin (Income from interest/profit sharing/margin)
Penduduk (Citizens)
a. Dari Bank Indonesia (From Bank Indonesia)
b. Dari bank-bank lain (From other banks)
c. Dari pihak ketiga bukan bank (From Third Party non Banks)
Surat berharga (securities)
Kredit yang diberikan (Credit disbursed)
Lainnya (Others)
Bukan penduduk (Non-citizens)
a. Kantor Pusat/Cabang sendiri di luar Indonesia (Head / Branch Offices outside of Indonesia)
Surat berharga (Securities)
Lainnya (Others)
2. Kenaikan nilai surat berharga (Increase in the value of securities)
3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives)
4. Deviden, komisi/provisi/fee (Dividends, commissions, provisions/fees)
5. Lainnya (Others)
160.175
113.812
111.802
9.437
5.021
97.343
28.569
67.924
850
2.011
478
1.167
365
186
124
56
2.592
24.194
11.680
7.897
177.377
133.511
130.686
8.026
7.766
114.894
29.377
84.220
1.297
2.825
571
1.672
582
358
170
54
932
23.140
13.601
6.192
212.499
174.463
170.252
18.095
9.541
142.616
37.247
104.794
575
4.211
968
2.576
667
477
159
31
4.545
11.755
15.730
6.051
219.653
176.036
170.714
17.874
8.567
144.272
29.685
113.813
774
5.323
987
2.438
1.898
1.592
258
48
2.670
13.142
20.145
7.659
247.830
181.379
178.474
14.328
8.147
155.999
26.771
128.092
1.136
2.904
838
1.381
685
322
259
104
1.527
36.609
22.527
5.789
262.061
201.775
198.874
16.129
9.005
173.739
29.567
142.927
1.245
2.901
766
1.421
714
340
264
110
2.090
26.748
24.911
6.537
30.021
21.112
20.948
2.001
956
17.991
2.876
14.977
138
164
40
68
56
32
22
1
343
5.822
1.961
783
53.398
39.438
39.113
3.842
1.435
33.836
5.536
28.037
263
325
82
134
110
68
40
2
336
8.427
3.931
1.267
78.982
60.302
59.714
5.782
2.361
51.571
8.208
42.977
386
589
229
199
161
97
61
3
771
9.561
6.279
2.069
104.433
79.983
79.240
7.548
2.889
68.803
10.942
57.361
501
742
305
235
203
125
76
3
1.052
12.187
8.442
2.769
128.915
99.683
98.800
9.730
3.630
85.440
12.838
71.952
650
883
375
279
229
149
77
3
1.579
13.536
10.554
3.562
153.476
118.920
117.915
10.550
4.053
103.312
16.129
86.446
737
1.005
369
338
299
185
110
4
1.705
15.372
13.074
4.406
178.147
138.471
137.248
11.977
4.590
120.681
18.539
101.262
881
1.223
421
408
394
211
173
10
2.043
16.857
15.602
5.174
203.147
157.668
156.331
13.181
5.848
137.301
20.835
115.525
941
1.337
479
468
390
240
142
7
2.187
19.298
18.022
5.972
224.107
174.708
173.237
14.301
5.757
153.179
22.897
129.253
1.029
1.471
530
515
425
265
153
7
2.391
20.092
20.250
6.666
249.165
195.061
193.385
15.544
6.617
171.224
25.014
145.103
1.107
1.676
576
515
584
344
201
39
2.556
21.343
22.815
7.390
271.883
213.685
211.867
16.760
6.811
188.296
27.282
159.805
1.209
1.818
627
560
631
371
217
42
2.516
22.561
24.965
8.156
B. Beban operasional (OperationsExpenses)

1. Beban bunga/bagi hasil (Interest/profit sharing charges)
Penduduk (Citizens )
a. Kepada Bank Indonesia (At Bank Indonesia)
b. Kepada bank-bank lain (At other banks)
c. Kepada pihak ketiga bukan bank (At third party non-banks)
Simpanan berjangka (Time deposits)
Tabungan (Savings Deposit)
Pinjaman yang diterima (Loans received)
Lainnya (Others)
Bukan penduduk (Non-Citizens)
a. Kantor Pusat/Cabang sendiri diluar Indonesia (Head/Branch Offices outside of Indonesia)
Lainnya (Others)
Koreksi atas pendapatan bunga (Corrections to interest income)
2. Kerugian transaksi valas/derivatif (Losses on foreign exchange transactions / derivatives)
3. Komisi/provisi (Commissions/fees)
4. Penyusutan/amortisasi/penghapusan (Depreciation/amortizations/write-offs)
5. Lainnya (Others)
122.759
48.042
45.639
656
2.614
42.369
5.092
22.756
11.043
260
1.437
1.781
1.336
501
646
188
12
43
5
100
9
20
1.068
9.504
660
22.109
42.444
156.651
62.573
60.412
611
4.408
55.393
5.916
33.297
11.611
277
2.179
2.114
2.156
817
845
495
17
85
6
65
76
244
5
20.121
730
23.101
50.126
184.826 184.617
91.374 79.627
88.449 76.126
437
456
5.568
4.964
82.444 70.706
7.536
8.392
58.061 45.905
12.991 12.536
577
551
2.710
2.735
569
587
2.919
3.495
1.505
1.413
875
1.304
539
778
26
43
122
70
8
7
102
408
68
31
214
220
5
6
9.745 10.966
989
1.268
29.596 29.285
53.122 63.472
215.171
79.167
75.601
404
4.781
70.417
8.336
45.620
12.627
575
2.118
1.141
3.510
1.369
1.446
694
25
145
5
430
51
38
56
31.158
1.422
35.889
67.535
232.170
88.813
85.155
453
5.341
79.361
9.225
51.975
14.089
587
2.299
1.185
3.597
1.394
1.411
792
31
166
8
476
66
44
61
20.146
1.791
44.925
76.496
30.322
10.687
10.341
49
525
9.767
980
6.987
1.286
228
166
120
326
117
123
86
7
15
1
46
1
16
20
5.426
189
8.207
5.814
51.549
19.095
18.449
106
706
17.637
1.855
12.685
2.414
138
330
216
625
212
253
159
7
26
2
87
7
31
21
7.571
386
12.311
12.187
71.622
28.933
27.855
230
1.170
26.455
2.677
19.070
3.702
193
503
309
1.050
456
428
166
8
43
2
90
9
13
28
8.091
384
15.872
18.343
93.113
38.083
36.809
463
1.509
34.836
3.496
25.118
4.913
247
684
378
1.253
569
471
213
8
64
3
112
10
17
21
9.640
594
19.930
24.867
113.197
47.014
45.492
504
1.868
43.120
4.318
31.093
6.140
291
832
446
1.502
686
558
258
11
65
3
134
11
34
20
10.410
644
23.895
31.234
134.702 155.614
55.435 64.347
53.799 62.541
455
553
2.162
2.553
51.182 59.435
5.115
5.929
36.852 42.669
7.352
8.608
332
413
1.002
1.194
528
622
1.617
1.786
723
804
636
678
258
304
10
11
55
59
4
5
155
176
11
12
24
41
19
19
13.076 12.858
848
1.003
27.387 32.479
37.955 44.927
177.206
72.787
70.772
503
2.834
67.435
6.668
48.338
9.873
477
1.409
670
1.995
908
749
338
12
65
9
196
12
44
20
14.445
1.171
36.945
51.859
195.881
80.063
77.953
467
3.042
74.445
7.405
53.318
11.055
519
1.401
747
2.089
979
745
365
13
69
10
214
13
46
20
14.966
1.345
41.202
58.306
215.980
88.558
86.210
490
3.280
82.440
8.210
58.840
12.473
564
1.557
795
2.328
1.020
911
397
14
74
13
232
15
49
20
16.166
1.512
43.959
65.785
235.307
96.321
93.788
528
3.545
89.714
8.942
63.803
13.822
614
1.716
818
2.512
1.103
995
415
17
81
16
251
16
34
20
17.013
1.649
47.588
72.736
37.416
50.440
46.763
3.677
41.094
29.463
20.726
56.484
43.353
13.131
33.858
24.899
32.660
78.494
62.481
16.014
48.673
34.469
29.891
83.797
65.531
18.267
48.158
30.606
(301)
14.218
8.742
5.475
5.174
3.841
1.849
24.083
15.858
8.225
10.074
7.684
7.360
29.691
20.959
8.731
16.091
12.243
11.319
36.149
26.375
9.774
21.094
15.667
15.718
44.263
33.735
10.528
26.246
19.456
25.940
69.708
53.951
15.757
41.698
30.734
28.226
80.455
62.428
18.027
46.253
34.267
33.186
87.807
69.131
18.675
51.861
38.323
36.576
95.282
75.531
19.751
56.327
41.389
C.
D.
E.
F.
G.
H.
Laba Operasional (Operations Profit)

Pendapatan non-operasional (Non-OperationsIncome)
Beban non operasional (Non-OperationsExpenses)
Laba non operasional (Non-OperationsProfit)
Laba tahun berjalan (Currentprofit/loss)
Laba ( setelah taksiran pajak penghasilan ) Profit (after calculation of income taxes)
27.719
77.669
64.832
12.837
40.555
28.334
35.035
72.003
57.180
14.823
49.859
35.015
2009
18.775
53.114
40.421
12.693
31.468
23.314
Jul
22.534
62.128
48.038
14.090
36.624
27.136
11
12
Tabel 1.9 Laporan Laba / Rugi Bank Persero (State Owned Banks Income Statement)
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
A. Pendapatan operasional (OperationsIncome)

Penduduk (Citizens)
Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
74.703
51.983
51.025
1.739
2.191
47.095
16.267
30.710
119
957
425
313
219
68
99
53
519
13.789
3.741
4.672
75.854
54.640
53.598
1.455
3.179
48.964
15.171
33.520
273
1.042
468
255
319
97
169
53
408
13.995
4.081
2.729
74.585
65.869
64.455
4.660
3.905
55.890
19.736
36.047
107
1.414
714
355
345
156
158
31
1.184
902
4.815
1.815
74.745
65.677
62.980
3.107
3.212
56.660
15.804
40.663
192
2.697
700
428
1.569
1.281
240
48
197
554
6.460
1.857
77.150
66.302
64.837
2.970
2.779
59.087
13.475
45.367
245
1.465
641
431
393
116
257
20
17
1.468
7.561
1.803
85.799
73.708
72.327
3.400
3.111
65.816
14.869
50.682
264
1.381
557
427
398
116
262
20
107
1.472
8.544
1.968
9.042
7.743
7.663
529
330
6.804
1.500
5.273
32
81
23
27
31
10
20
1
46
338
692
223
17.039
14.707
14.541
976
559
13.007
2.901
10.035
70
166
54
53
59
20
38
2
63
507
1.414
348
25.947
22.421
22.169
1.402
841
19.926
4.319
15.510
98
252
87
76
89
28
59
2
82
443
2.283
717
34.244
29.680
29.363
1.709
1.092
26.562
5.645
20.799
118
317
114
92
110
34
73
3
152
459
3.068
885
42.799
37.037
36.676
2.591
1.394
32.692
6.275
26.270
147
360
138
107
115
38
74
3
218
609
3.868
1.068
51.572
44.391
43.935
1.983
1.562
40.390
8.354
31.875
161
456
162
130
164
53
107
4
325
726
4.775
1.354
60.346
51.875
51.357
2.242
1.742
47.373
9.577
37.565
231
518
186
146
185
60
120
6
383
861
5.685
1.542
68.943
59.161
58.566
2.456
1.973
54.137
10.727
43.219
190
595
211
169
215
69
140
7
473
988
6.559
1.762
75.382
64.697
64.042
2.560
2.143
59.339
11.722
47.417
200
654
236
188
231
73
150
7
475
990
7.286
1.934
85.072
73.067
72.258
2.741
2.372
67.145
12.758
54.177
211
809
249
186
375
137
198
39
531
1.090
8.352
2.031
93.067
80.043
79.178
2.919
2.572
73.686
13.795
59.661
231
865
267
201
397
142
214
41
501
1.225
9.074
2.224

Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
56.494
22.267
20.418
348
924
19.147
2.256
9.097
5.381
192
858
1.361
811
242
450
118
7
17
90
4
1.037
1.247
156
31.787
73.103
25.232
24.222
360
1.462
22.400
2.365
12.027
5.396
187
993
1.431
1.006
282
376
349
7
35
31
50
225
4
13.310
192
34.367
72.383
34.318
33.026
203
1.575
31.248
2.648
20.942
5.993
303
1.247
115
1.288
619
326
343
3
47
36
47
209
4
179
250
18.239
19.397
67.776
28.253
26.887
181
1.090
25.617
2.771
15.426
5.704
363
1.154
198
1.365
626
478
262
2
16
31
30
182
233
271
16.846
22.174
68.834
26.634
25.313
120
1.215
23.978
2.790
13.961
5.599
408
807
414
1.321
611
608
101
2
14
18
41
26
694
311
18.931
22.264
77.148
30.054
28.814
133
1.289
27.392
3.176
16.060
6.351
392
852
563
1.239
622
495
122
2
14
0
20
57
30
0
680
424
20.683
25.308
10.954
3.630
3.530
7
116
3.408
463
2.220
576
76
46
27
95
37
50
8
0
2
0
2
1
4
5
255
39
5.149
1.882
18.316
6.785
6.584
16
222
6.346
849
4.178
1.067
109
87
56
198
82
94
21
0
3
0
4
7
7
4
438
167
7.165
3.761
25.593
10.207
9.889
23
357
9.509
1.195
6.342
1.610
138
132
91
308
129
150
29
0
4
0
6
9
10
10
302
87
8.960
6.038
32.962
13.401
13.039
30
456
12.553
1.521
8.417
2.125
179
188
122
360
166
157
36
0
5
0
8
10
13
2
230
124
11.033
8.175
40.310
16.753
16.323
36
628
15.659
1.845
10.580
2.646
207
232
150
429
198
189
42
3
4
0
10
11
15
0
249
157
12.810
10.341
47.514
19.947
19.441
42
696
18.703
2.160
12.700
3.155
221
291
177
507
238
220
49
1
7
0
12
11
18
0
582
194
14.017
12.774
56.498
23.364
22.828
48
869
21.912
2.500
14.889
3.672
281
368
202
536
268
213
54
1
8
0
14
12
20
0
617
248
16.950
15.320
64.960
26.679
26.069
55
932
25.082
2.833
17.010
4.208
326
477
227
610
313
239
58
1
9
0
15
12
22
0
689
308
19.622
17.662
71.947
29.047
28.458
63
920
27.476
3.119
18.708
4.696
337
368
247
590
332
196
62
1
9
0
15
13
24
0
682
373
22.635
19.209
79.075
32.482
31.779
70
947
30.761
3.465
20.886
5.357
365
412
276
703
316
322
66
1
9
2
15
14
26
0
716
423
23.477
21.977
86.016
35.349
34.582
74
1.004
33.504
3.771
22.698
5.956
394
457
227
766
340
359
67
1
12
0
15
14
25
0
769
459
25.128
24.311
C.
D.
E.
F.
G.
H.
18.209
14.736
15.832
(1.096)
12.501
2.750
12.346
3.843
8.503
9.185
2.202
16.208
5.634
10.574
12.776
9.644
6.969
12.684
1.767
10.918
17.887
13.332
8.316
10.964
2.043
8.920
17.236
11.938
8.651
13.675
2.346
11.328
19.979
13.159
-1.912
4.264
358
3.906
1.994
1.395
-1.277
5.820
528
5.292
4.015
2.778
354
6.227
895
5.332
5.685
4.017
1.282
7.040
1.046
5.993
7.275
5.136
2.489
7.890
1.346
6.545
9.034
6.354
4.058
8.781
1.581
7.200
11.258
8.101
3.848
11.017
1.886
9.130
12.978
9.218
3.982
13.028
2.122
10.906
14.889
10.550
3.435
15.284
2.546
12.738
16.173
11.579
5.997
15.586
2.862
12.724
18.721
13.361
7.050
16.473
3.121
13.352
20.403
14.650

Tabel 1.10 Laporan Laba / Rugi BUSN Devisa (Foreign Exchange Commercial Banks Income Statement)
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
A. Pendapatan operasional (Operations Income)

Penduduk (Citizens)
Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
48.921
40.071
39.536
4.957
855
33.724
11.138
22.445
140
535
49
367
120
116
1
3
849
1.148
4.441
2.412
59.588
49.658
48.715
3.391
1.489
43.835
12.061
31.422
352
943
95
596
252
250
1
1
258
1.529
5.541
2.602
79.491
68.289
66.617
6.202
2.056
58.358
14.282
43.748
327
1.672
204
1.176
293
292
808
1.161
6.288
2.991
81.770
67.208
65.656
7.737
1.920
55.999
11.084
44.582
333
1.551
198
1.061
293
292
877
1.986
7.845
3.853
95.756
69.669
68.933
4.887
1.880
62.166
10.127
51.607
432
736
110
429
197
196
592
13.914
9.026
2.555
97.989
78.054
77.269
5.545
2.062
69.663
11.125
57.961
577
785
122
450
214
213
637
6.561
9.921
2.815
10.698
8.048
7.996
823
133
7.040
957
6.011
72
52
11
19
22
22
0
0
33
1.610
789
219
20.218
15.586
15.481
1.629
250
13.602
1.915
11.559
128
105
22
38
44
44
0
0
26
2.598
1.561
447
29.318
23.516
23.287
2.490
379
20.418
2.924
17.306
188
229
102
60
67
67
0
0
50
2.589
2.370
793
38.780
31.305
31.008
3.322
498
27.188
3.885
23.051
252
297
133
77
87
87
0
0
79
3.087
3.173
1.136
48.551
39.084
38.719
4.104
623
33.992
4.827
28.792
374
365
165
93
107
107
0
0
161
3.752
4.000
1.554
58.242
46.467
46.033
4.840
759
40.434
5.741
34.264
429
434
196
111
127
127
0
0
188
4.695
4.891
2.001
68.210
54.016
53.514
5.529
877
47.108
6.629
39.997
483
502
228
128
146
146
0
0
277
5.577
5.885
2.454
77.723
61.418
60.842
6.164
1.542
53.136
7.472
45.100
565
576
260
150
166
166
0
0
307
6.436
6.766
2.796
86.759
68.661
68.027
6.772
1.084
60.170
8.285
51.282
604
634
290
161
183
183
0
0
368
6.923
7.660
3.147
96.125
75.825
75.127
7.350
1.204
66.573
9.046
56.865
662
698
322
176
200
200
0
0
474
7.728
8.537
3.560
105.286
83.233
82.472
7.995
1.329
73.148
9.809
62.572
767
761
350
193
218
218
0
0
441
8.194
9.386
4.033
B. Beban operasional (Operations Expenses)

Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
38.322
18.097
17.939
260
985
16.693
1.684
9.570
4.882
28
333
196
158
62
52
44
2
7
4
10
4
17
743
229
19.253
49.579
25.261
24.888
212
1.512
23.165
1.862
15.047
5.349
39
655
212
373
102
185
86
4
17
5
33
26
805
141
23.372
65.603
38.026
37.491
210
1.635
35.645
2.239
26.258
5.912
158
861
217
535
208
199
127
5
29
5
66
21
2
1
921
236
6.404
20.016
66.931
32.811
31.743
245
1.656
29.842
2.641
20.340
5.628
118
905
211
1.063
214
410
438
5
15
4
378
1
35
5
1.624
349
7.816
24.331
85.422
34.054
32.875
238
1.765
30.872
2.586
21.224
5.624
113
1.024
301
1.125
201
470
454
3
17
3
412
10
10
54
13.084
349
11.203
26.731
91.874
38.394
37.052
266
1.941
34.845
2.848
24.231
6.181
124
1.131
331
1.283
220
557
506
3
18
4
457
10
14
59
5.389
389
17.806
29.896
10.213
4.409
4.279
24
112
4.143
259
3.146
560
12
101
65
115
19
49
47
0
2
0
43
0
1
15
1.500
49
1.933
2.322
19.318
8.373
8.136
48
202
7.886
488
6.013
1.069
23
198
95
222
38
93
90
0
4
1
83
0
2
16
2.419
103
3.475
4.947
27.268
12.501
12.112
72
313
11.727
706
8.908
1.665
34
295
119
374
105
175
94
1
5
1
84
0
2
16
2.537
90
4.867
7.273
35.464
16.325
15.841
104
417
15.320
929
11.588
2.226
44
388
145
467
134
212
121
1
12
2
104
0
3
17
2.799
124
6.301
9.916
43.698
20.072
19.502
127
508
18.867
1.144
14.170
2.806
58
475
213
553
165
249
139
1
9
2
124
0
4
17
3.295
177
7.832
12.322
53.274
23.607
22.948
145
593
22.210
1.368
16.593
3.378
69
556
247
642
196
284
162
1
11
3
143
0
4
17
5.119
218
9.545
14.785
60.446
27.123
26.376
162
690
25.524
1.595
18.959
3.978
87
635
270
730
227
318
185
1
12
4
162
0
5
17
4.604
267
11.021
17.431
68.073
30.524
29.684
177
749
28.758
1.820
21.262
4.566
103
713
294
822
259
353
210
2
15
8
181
0
5
18
4.960
316
12.238
20.034
75.594
33.776
32.855
193
823
31.839
2.038
23.441
5.133
120
787
319
903
288
383
231
2
16
9
199
0
5
18
5.707
353
12.929
22.829
83.461
36.948
35.947
210
904
34.832
2.257
25.486
5.750
137
870
333
983
318
413
252
2
16
10
217
1
6
18
6.426
398
14.032
25.658
91.372
40.288
39.205
225
978
38.002
2.467
27.691
6.358
154
952
380
1.066
347
442
278
2
19
13
235
2
6
18
6.821
438
15.399
28.425
C. Laba Operasional (Operations Profit)

D. Pendapatan non-operasional (Non-Operations Income)
E. Beban non operasional (Non-Operations Expenses)
F. Laba non operasional (Non-Operations Profit)
G. Laba tahun berjalan (Currentprofit/loss)
H. Laba ( setelah taksiran pajak penghasilan ) Profit (after calculation of income taxes)
10.599
30.257
26.794
3.463
10.571
10.009
37.991
34.741
3.250
9.294
13.933
51.091
50.986
105
14.038
9.822
14.839
48.138
45.936
2.202
17.040
11.735
10.335
48.191
44.355
3.836
14.171
9.866
6.115
53.697
49.735
3.962
10.076
4.809
486
6.168
5.195
973
1.459
1.047
900
12.000
10.221
1.779
2.679
2.166
2.050
17.447
15.094
2.353
4.402
3.556
3.315
22.767
20.002
2.765
6.081
4.921
4.853
27.631
24.880
2.751
7.604
6.057
4.968
33.758
29.822
3.935
8.903
6.978
7.764
37.887
34.871
3.016
10.779
8.519
9.651
42.727
39.876
2.851
12.502
9.906
11.165
48.223
44.859
3.364
14.529
11.491
12.664
53.307
49.764
3.543
16.206
12.748
13.914
58.086
54.367
3.719
17.633
13.715
13
14
Tabel 1.11 Laporan Laba / Rugi BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Income Statement)
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Penduduk (Citizens)
Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
3.340
3.021
3.021
161
143
2.717
162
2.491
65
52
96
170
2.471
2.277
2.277
157
116
2.004
136
1.866
2
5
1
95
93
4.178
3.823
3.823
294
133
3.395
217
3.174
4
18
1
92
245
5.227
4.597
4.597
303
112
4.181
177
4.004
1
12
1
122
495
5.292
4.847
4.847
409
128
4.310
238
4.052
20
1
1
109
334
5.854
5.367
5.367
455
134
4.778
263
4.490
25
1
1
117
367
576
541
541
59
7
475
23
446
6
0
0
9
26
1.173
1.102
1.097
113
14
969
44
914
12
5
5
0
0
18
52
1.647
1.547
1.539
169
24
1.347
68
1.277
1
8
8
1
0
25
73
2.226
2.074
2.074
223
32
1.820
96
1.723
1
2
0
35
115
2.836
2.618
2.618
272
41
2.306
127
2.176
2
3
0
44
170
3.466
3.178
3.178
316
50
2.811
166
2.631
14
7
1
55
227
4.137
3.781
3.727
361
59
3.307
204
3.098
5
54
0
54
50
4
8
1
65
282
4.805
4.364
4.364
402
67
3.895
242
3.651
2
9
1
75
356
5.428
4.921
4.921
427
75
4.419
269
4.146
4
0
0
0
0
9
1
84
414
6.197
5.568
5.568
469
82
5.018
307
4.705
6
0
0
0
10
1
94
523
6.907
6.221
6.221
507
90
5.625
345
5.271
9
0
0
0
10
1
106
569

Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
2.741
1.303
1.275
21
32
1.223
80
1.000
104
4
23
12
27
13
1.398
2.360
1.302
1.302
18
20
1.264
76
1.084
90
3
6
5
20
1.038
3.854
2.311
2.311
2
48
2.261
107
2.026
119
4
5
16
341
1.186
4.369
2.264
2.255
2
66
2.187
103
1.928
114
1
32
9
8
8
8
13
502
1.591
4.472
2.545
2.539
5
88
2.447
119
2.176
108
1
34
10
5
5
5
12
296
1.619
5.078
2.855
2.850
6
94
2.750
137
2.447
117
1
37
11
5
5
0
5
0
0
13
356
1.854
559
334
334
2
13
319
15
289
11
0
3
1
0
0
0
0
0
0
0
1
51
172
1.122
667
653
2
24
627
31
566
22
0
6
2
14
13
0
0
0
0
0
2
86
368
1.548
928
908
3
30
875
18
811
33
1
9
3
20
20
0
0
0
0
0
3
96
521
2.070
1.208
1.191
4
39
1.148
23
1.062
44
1
12
5
16
1
0
15
0
15
1
0
0
4
145
714
2.639
1.500
1.480
4
46
1.430
29
1.325
55
1
15
4
20
1
19
0
18
1
0
0
5
187
947
3.303
1.794
1.792
5
57
1.731
35
1.604
67
1
18
5
2
2
0
0
0
0
0
0
6
228
1.275
3.902
2.123
2.120
5
63
2.051
42
1.902
78
2
21
6
3
3
0
0
0
0
0
0
0
6
256
1.517
4.553
2.430
2.426
6
72
2.348
49
2.175
90
2
24
8
5
4
0
1
0
1
0
0
0
7
325
1.791
5.186
2.685
2.680
6
83
2.591
55
2.397
101
2
27
10
5
5
0
0
0
0
0
0
0
8
377
2.116
5.913
2.986
2.980
6
86
2.887
61
2.663
113
2
36
12
6
5
0
0
0
0
0
0
10
503
2.415
6.654
3.284
3.278
8
95
3.175
68
2.921
124
2
46
14
7
6
0
0
0
0
0
0
11
588
2.771
599
615
549
66
498
110
562
445
117
162
324
1.210
1.002
208
531
399
858
1.642
1.509
133
991
765
821
1.908
1.855
53
873
809
777
2.180
2.092
88
865
604
17
249
242
7
24
17
50
509
486
24
74
62
99
748
731
18
117
98
155
1.036
1.029
7
162
137
197
1.316
1.291
24
221
188
164
1.633
1.566
67
230
191
235
2.010
1.881
129
364
319
251
2.335
2.181
155
406
348
242
2.705
2.511
194
436
373
283
3.046
2.847
199
483
407
253
3.425
3.176
249
502
417
C.
D.
E.
F.
G.
H.

Tabel 1.12 Laporan Laba / Rugi BPD (Regional Development Banks Income Statement)
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Penduduk (Citizens)
Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
9.803
8.888
8.864
993
643
7.229
281
6.934
14
24
23
23
145
1
394
375
11.594
10.721
10.719
1.586
1.110
8.022
331
7.684
8
3
3
57
1
423
392
17.599
16.293
16.290
4.872
1.866
9.551
422
9.118
11
3
3
193
540
573
19.264
17.465
17.460
3.912
1.928
11.619
517
11.091
11
5
5
257
4
684
854
20.447
18.595
18.593
3.649
1.741
13.204
746
12.444
14
2
2
264
10
826
752
22.606
20.580
20.578
4.080
1.984
14.514
818
13.680
16
2
2
273
10
912
832
1.983
1.858
1.858
322
186
1.350
75
1.274
1
0
0
0
0
2
0
62
60
3.855
3.599
3.598
590
336
2.671
149
2.520
3
1
0
1
1
0
4
2
136
114
5.941
5.532
5.532
878
652
4.001
102
3.893
6
0
0
0
0
10
7
209
183
7.998
7.417
7.417
1.153
677
5.586
301
5.277
9
0
0
0
0
15
12
295
259
10.218
9.375
9.375
1.326
945
7.104
377
6.697
30
0
0
29
15
456
343
12.333
11.295
11.295
1.657
997
8.640
449
8.173
18
0
0
29
16
671
323
14.486
13.247
13.247
1.871
1.155
10.221
521
9.677
23
0
0
56
16
784
384
16.618
15.193
15.192
2.060
1.320
11.813
587
11.199
27
0
0
59
18
906
442
18.709
17.116
17.116
2.234
1.442
13.440
651
12.741
48
0
0
65
19
1.007
501
20.860
19.104
19.104
2.422
1.605
15.076
714
14.308
53
0
0
75
21
1.093
568
22.966
21.054
21.054
2.582
1.842
16.629
783
15.831
15
0
0
74
23
1.201
614

Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
7.219
2.798
2.798
26
120
2.652
719
1.025
624
33
209
43
19
4.402
8.776
3.715
3.715
18
126
3.571
1.070
1.413
658
47
328
55
1
1
1
16
5.045
13.403
6.906
6.906
15
256
6.635
2.061
3.359
818
95
274
28
12
1.327
5.157
14.652
7.086
7.085
23
370
6.692
2.282
3.159
936
70
241
4
1
1
6
15
1.290
6.255
14.440
6.536
6.535
11
395
6.128
2.044
2.826
977
53
221
7
2
2
11
1.348
6.543
16.510
7.223
7.203
13
452
6.737
2.212
3.112
1.084
70
250
9
18
18
3
12
3
2
0
11
1.505
7.771
1.274
659
657
2
66
588
177
289
109
3
10
0
2
2
0
1
0
0
202
414
2.610
1.298
1.292
3
107
1.182
359
586
201
5
31
0
5
5
1
3
1
2
0
364
948
4.045
2.040
2.032
3
146
1.882
570
942
299
21
49
1
6
6
1
4
1
2
1
477
1.528
5.542
2.764
2.762
4
194
2.564
784
1.296
390
23
69
2
0
0
2
0
1
603
2.175
6.998
3.502
3.500
4
215
3.281
1.017
1.663
485
25
88
2
0
0
0
2
0
1
723
2.772
8.555
4.244
4.242
5
248
3.989
1.220
2.038
580
42
107
3
0
0
0
2
0
1
874
3.436
10.222
4.998
4.996
5
291
4.700
1.417
2.434
680
44
120
5
0
0
0
0
2
0
2
1.038
4.183
11.822
5.756
5.754
6
335
5.413
1.612
2.836
780
46
136
4
0
0
0
0
0
2
0
2
1.206
4.858
13.498
6.497
6.495
6
380
6.108
1.794
3.224
871
59
150
9
0
0
0
0
0
2
0
2
1.353
5.645
15.073
7.242
7.240
7
427
6.807
1.973
3.629
974
60
165
7
0
0
0
0
2
0
2
1.521
6.306
16.626
7.949
7.943
7
474
7.462
2.133
4.000
1.080
63
179
7
3
0
0
3
2
1
0
2
0
3
1.683
6.991

2.584
2.284
2.121
163
2.391
2.818
3.215
3.026
189
2.738
4.197
6.193
5.833
360
4.557
3.908
4.612
6.889
6.346
543
5.155
4.530
6.007
6.636
6.181
455
6.463
5.797
6.096
7.436
6.963
473
6.569
5.751
709
723
632
91
799
729
1.245
1.432
1.268
164
1.409
1.278
1.895
2.212
1.977
235
2.130
1.952
2.456
2.871
2.689
183
2.638
2.412
3.220
3.595
3.378
217
3.437
3.132
3.778
4.455
4.148
308
4.086
3.722
4.264
5.240
4.908
332
4.596
4.197
4.796
6.039
5.660
380
5.175
4.722
5.211
6.831
6.435
397
5.608
5.114
5.788
7.497
7.032
465
6.253
5.697
6.340
8.342
7.828
515
6.855
6.242
15
16
Tabel 1.13 Laporan Laba / Rugi Bank Campuran (Joint Venture Banks Income Statement)
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Penduduk (Citizens)
Lainnya (Others)
Lainnya (Others)
3. Keuntungan Transaksi valuta asing/derivatif (Profit from foreign exchange transactions / derivatives)1)
5. Lainnya (Others)
4.344
3.056
2.979
688
244
2.047
147
1.668
232
77
76
2
1
1
650
511
127
6.043
4.307
4.132
675
243
3.214
269
2.766
180
175
174
1
1
8
996
631
101
7.860
5.680
5.391
796
354
4.241
358
3.777
107
289
288
1
1
8
1.296
688
187
9.528
6.354
6.091
1.028
261
4.801
316
4.318
168
263
243
20
2
18
24
1.931
1.083
135
13.933
7.283
7.146
874
397
5.875
361
5.402
112
137
135
3
3
23
5.495
1.073
58
14.681
7.894
7.751
955
435
6.361
427
5.902
32
144
141
3
3
50
5.504
1.137
96
1.748
871
863
105
73
685
34
647
4
8
6
3
3
38
742
91
6
3.365
1.648
1.637
211
130
1.296
62
1.226
8
11
9
3
3
22
1.455
185
55
4.944
2.800
2.785
356
204
2.226
102
2.094
29
15
12
3
3
88
1.572
437
48
6.677
3.663
3.646
499
254
2.893
128
2.725
39
17
15
3
3
54
2.382
474
103
7.992
4.556
4.536
653
274
3.609
156
3.359
94
20
18
3
3
78
2.682
560
116
9.162
5.400
5.375
838
269
4.269
184
3.973
112
24
0
22
3
3
87
2.843
701
132
9.378
6.215
6.165
938
307
4.920
219
4.566
135
50
0
47
3
3
54
2.188
822
99
11.398
7.017
6.963
947
450
5.566
258
5.156
152
54
0
51
3
3
89
3.172
968
151
12.598
7.778
7.714
1.038
485
6.191
294
5.729
168
64
0
59
5
2
3
111
3.462
1.081
166
14.011
8.769
8.730
1.171
777
6.781
373
6.240
168
39
0
36
3
3
0
95
3.722
1.237
188
14.839
9.339
9.291
1.242
369
7.679
602
6.897
180
48
0
39
9
5
3
1
116
3.881
1.312
190

Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
3.270
1.295
1.139
279
860
95
585
10
2
3
165
156
143
14
1
9
3
430
43
1.502
4.403
1.901
1.632
1
329
1.302
151
1.077
12
1
61
269
242
27
3
22
1
2
619
57
1.826
6.213
2.797
2.527
2
501
2.024
166
1.700
36
17
8
97
271
228
42
4
34
1
3
954
85
902
1.476
7.601
3.004
2.619
2
435
2.183
129
1.896
61
10
86
385
22
325
38
11
24
3
1.673
134
769
2.021
12.177
3.560
3.175
4
418
2.754
162
2.420
69
7
96
384
16
332
36
11
22
1
3
4.994
195
998
2.429
12.268
3.863
3.489
4
394
3.091
177
2.709
84
8
112
374
18
319
37
12
24
1
4.542
203
1.077
2.584
1.644
446
394
0
13
381
13
348
17
1
2
52
1
23
28
6
10
0
1
12
850
17
111
220
3.074
835
743
1
28
714
27
651
31
2
3
92
2
48
42
4
16
0
22
1.459
29
213
538
4.072
1.416
1.303
1
143
1.159
49
1.046
57
3
5
113
4
76
34
4
28
0
1
1.341
59
386
870
5.520
1.864
1.732
1
113
1.618
63
1.467
78
0
5
6
132
5
91
36
5
30
0
1
2.020
58
435
1.144
6.660
2.298
2.131
1
93
2.037
75
1.822
85
6
49
168
6
109
53
5
31
0
16
2.235
77
613
1.436
7.663
2.720
2.553
4
122
2.427
87
2.160
98
6
75
167
7
120
40
6
32
0
2
2.385
154
728
1.675
7.962
3.144
2.947
4
146
2.798
100
2.487
113
7
91
196
8
132
57
6
34
0
16
1.835
173
964
1.846
9.670
3.515
3.306
4
174
3.128
114
2.773
127
8
106
209
9
142
59
7
35
1
17
2.673
189
1.062
2.231
10.693
3.869
3.650
4
195
3.451
129
3.053
140
9
120
219
10
149
60
7
36
1
17
2.886
212
1.164
2.562
11.909
4.352
4.118
4
215
3.899
146
3.470
153
10
120
234
11
158
66
8
41
1
17
3.133
235
1.325
2.864
12.625
4.558
4.320
4
238
4.078
157
3.611
164
11
135
238
11
174
53
8
42
1
3
3.315
252
1.389
3.112

1.074
587
213
374
1.053
1.640
640
267
373
1.370
1.647
843
305
538
2.185
1.561
1.927
773
296
478
2.405
1.656
1.756
1.457
697
759
2.515
1.799
2.412
1.100
611
489
2.901
2.026
104
257
59
198
302
196
291
510
116
394
685
494
872
425
304
121
993
725
1.157
617
473
144
1.300
948
1.332
877
692
184
1.517
1.085
1.499
1.151
874
277
1.776
1.282
1.416
1.557
1.087
470
1.886
1.331
1.728
1.629
1.234
395
2.123
1.484
1.906
1.930
1.515
415
2.321
1.598
2.102
2.288
1.766
522
2.624
1.826
2.214
2.384
1.811
573
2.787
1.939
Tabel 1.14 Laporan Laba / Rugi Bank Asing (Foreign Owned Banks Income Statement)
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Penduduk (Citizens)
Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
18.679
6.619
6.207
877
936
4.394
573
3.623
197
412
4
406
2
2
1.027
8.555
2.384
94
20.704
10.905
10.243
726
1.608
7.908
1.399
6.093
417
662
8
644
11
11
195
6.618
2.814
171
28.786
14.509
13.677
1.270
1.226
11.181
2.231
8.930
20
832
50
754
28
28
2.334
8.395
3.308
240
29.119
14.736
13.930
1.786
1.133
11.011
1.787
9.155
70
806
89
701
17
16
1.302
8.665
3.951
464
35.251
14.682
14.118
1.539
1.223
11.356
1.823
9.220
313
564
87
384
93
9
84
629
15.721
3.933
287
35.132
16.171
15.582
1.695
1.279
12.608
2.065
10.212
331
589
88
401
100
10
0
90
1.022
13.199
4.280
460
5.974
2.050
2.027
164
227
1.636
288
1.326
22
23
6
16
1
1
224
3.131
319
249
7.749
2.796
2.759
323
146
2.291
465
1.783
43
37
7
29
2
2
220
3.864
618
251
11.185
4.487
4.402
488
261
3.652
692
2.897
63
85
40
42
3
3
0
539
4.949
954
255
14.508
5.844
5.733
643
336
4.754
887
3.787
80
111
57
51
4
3
0
750
6.247
1.397
271
16.519
7.013
6.876
785
353
5.738
1.077
4.658
3
137
72
62
4
4
1.090
6.478
1.626
312
18.700
8.190
8.099
916
416
6.767
1.235
5.529
3
91
11
75
4
4
0
1.070
7.091
1.982
369
21.590
9.337
9.239
1.035
451
7.753
1.390
6.360
4
98
7
87
5
5
0
1.263
8.214
2.361
414
23.660
10.515
10.404
1.153
497
8.754
1.549
7.200
5
112
8
97
6
6
0
1.250
8.683
2.748
464
25.231
11.535
11.417
1.270
527
9.620
1.677
7.937
6
118
4
107
6
6
0
1.362
8.697
3.132
505
26.900
12.727
12.599
1.392
576
10.631
1.817
8.807
7
129
5
117
7
7
0
1.371
8.782
3.501
519
28.819
13.796
13.652
1.514
609
11.529
1.949
9.573
7
144
10
127
7
7
0
1.374
9.238
3.886
525

Lainnya (Others)
Lainnya (Others)
5. Lainnya (Others)
14.332
2.221
2.011
1
271
1.739
248
1.436
40
12
3
207
193
1
13
2
10
1
3
7.068
199
4.841
17.545
4.805
4.296
3
953
3.340
360
2.354
80
197
349
507
433
43
32
4
11
17
1
5.386
303
7.049
23.370
7.015
6.189
6
1.553
4.630
314
3.776
113
321
106
826
678
121
26
13
12
1
1
7.690
392
2.383
5.890
23.289
6.210
5.537
3
1.349
4.186
464
3.156
94
392
79
673
551
90
32
25
5
2
7.430
485
2.063
7.101
29.826
5.838
5.163
26
900
4.237
635
3.014
251
0
25
311
675
541
36
98
10
87
1
12.384
544
3.112
7.948
29.292
6.425
5.747
32
1.171
4.545
675
3.416
273
0
22
160
677
534
39
104
10
93
1
9.535
752
3.497
9.083
5.679
1.209
1.147
13
206
928
53
694
13
137
5
26
63
59
3
1
0
0
0
2.821
83
760
805
7.109
1.136
1.041
35
123
882
101
690
24
7
60
95
89
4
2
1
1
0
3.254
85
1.008
1.625
9.095
1.840
1.612
129
181
1.303
138
1.021
38
15
91
228
218
7
3
1
1
0
0
3.911
146
1.086
2.113
11.554
2.521
2.243
320
289
1.633
174
1.289
50
22
98
278
264
10
4
2
2
0
0
4.592
284
1.414
2.743
12.891
2.888
2.556
332
378
1.846
208
1.532
63
16
27
332
315
11
5
2
3
0
4.631
228
1.729
3.415
14.392
3.122
2.823
254
447
2.121
244
1.758
75
24
20
299
280
13
7
2
4
0
4.990
275
1.994
4.011
16.583
3.595
3.274
329
495
2.450
275
1.998
87
43
48
321
298
15
8
3
5
0
5.801
307
2.250
4.631
18.128
3.883
3.533
255
572
2.706
240
2.282
103
51
31
350
324
16
9
3
6
0
6.122
348
2.492
5.283
18.964
4.188
3.816
195
641
2.980
271
2.495
114
59
42
373
344
17
11
4
7
0
5.691
395
2.745
5.945
20.549
4.548
4.146
192
700
3.254
308
2.706
127
65
48
401
371
19
12
4
8
0
5.891
444
3.101
6.566
22.014
4.893
4.461
210
757
3.494
347
2.882
140
70
55
432
399
20
13
5
9
0
6.108
486
3.401
7.125
4.347
1.960
1.253
707
2.462
3.159
1.447
733
714
1.971
5.416
2.124
1.072
1.052
6.468
3.000
5.830
1.877
1.326
550
6.380
2.998
5.425
9.340
7.350
1.990
7.415
4.260
5.841
5.710
3.783
1.927
7.767
4.257
295
2.557
2.256
301
596
456
641
3.812
3.239
573
1.213
906
2.090
2.631
1.958
674
2.763
1.895
2.954
1.818
1.135
683
3.637
2.113
3.627
2.955
2.148
807
4.434
2.639
4.309
3.336
2.430
906
5.215
3.041
5.006
4.418
3.404
1.014
6.020
3.552
5.532
3.949
2.879
1.070
6.602
3.725
6.267
5.482
4.562
920
7.187
4.112
6.351
6.083
4.861
1.222
7.574
4.284
6.805
6.571
5.228
1.343
8.148
4.425

17
18
Tabel 1.15 Rekening Administratif Bank Umum (Commercial Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Tagihan Komitmen (Claim Commitments)
Fasilitas pinjaman yang belum ditarik (Not yet withdrawn loan facilities)
Posisi pembelian spot yang masih berjalan (Current spot purchases)
Lainnya (Others)
34.703
3.360
30.485
858
10.638
5.034
4.300
1.305
17.440
5.559
9.997
1.884
33.963
7.496
20.181
6.286
37.068
4.532
26.669
5.867
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
20.983
5.246
10.910
4.828
33.932
7.172
23.452
3.307
38.294
6.978
29.810
1.507
60.250
30.438
28.244
1.568
39.570
6.894
31.390
1.286
41.679
7.171
32.735
1.773
35.702
4.875
28.675
2.152
36.794
6.948
28.139
1.707
Ags
Sep
35.962 424.190
7.132
6.637
26.969
35.880
1.861 381.673
Okt
Nov
32.691
6.672
24.492
1.527
33.967
6.593
25.467
1.907
180.987 177.816 198.826 272.594 317.916 296.167 330.803 345.337
329.942 333.404 341.959 338.162 348.484 345.855 447.562 341.694 360.308
126.819
151.987
162.988
208.338
252.578
247.673
267.474
268.845
271.954
271.387
284.578
282.509
276.879
279.833
296.982
230
23.684
29.588
666
353
18.824
4.070
2.581
515
23.955
8.390
2.978
765
42.019
15.724
5.748
867
37.472
19.913
7.086
872
31.744
10.165
5.713
1.274
31.903
27.724
1.568
1.234
34.229
28.114
981
1.212
37.545
30.154
1.094
1.220
37.729
26.613
1.212
1.235
33.929
27.267
1.475
1.254
36.144
24.916
1.032
1.231
37.068
31.708
100.677
1.364
37.128
22.326
1.042
1.563
36.642
24.031
1.090
Tagihan Kontinjensi (Claim Contingency)

Garansi yang diterima (Guarantees received)
Pendapatan bunga dalam penyelesaian (Adjusted interest income)
Lainnya (Others)
57.283
48.659
7.705
918
71.292
58.770
11.149
1.373
84.730 119.740 240.010 221.486 231.258 256.507 162.531 149.825 361.150 134.642 136.796 406.478 227.232 265.961 138.314
68.627 102.454 144.956 138.537 139.322 154.534 138.667 126.678 129.461 110.919 111.517 126.748 120.286 113.921 114.922
15.460 15.383
79.683
69.873
85.312 93.245
15.631
15.927 224.564 16.774
18.243 272.171
99.371 144.872
16.090
643
1.903
15.371
13.075
6.624
8.727
8.233
7.220
7.125
6.949
7.037
7.559
7.575
7.168
7.302
Kewajiban Kontijensi (Liabilities Contingency)

Garansi yang diberikan (Guarantees issued)
Lainnya (Others)
32.333
31.591
742
38.277
37.482
795
44.659
43.755
904
Kewajiban Komitmen (Liabilities Commitments)

Fasilitas kredit kepada nasabah yang belum ditarik
(Client credit facilities that are not yet withdrawn)
Fasilitas kredit kepada bank lain yang belum ditarik
(Other bank credit facilities that are not yet withdrawn)
Irrevocable L/C yang masih berjalan (Current Irrevocable L/Cs)
Posisi penjualan spot yang masih berjalan (Current spot sales)
Lainnya (Others)
Lainnya (Others)
Penerusan Kredit (Channelling Credit)
Aktiva produktif yang dihapus bukukan (Written-off Earning assets)
274.498 278.492
1.015
30.058
21.541
3.691
1.464
32.897
30.674
1.810
77.430 129.702 123.784 117.229 116.928

74.397 112.716 109.488 110.857 113.482
3.032
16.987
14.296
6.372
3.446
152.311 163.993 166.370 199.082 147.548 148.821 135.140 137.333

35.592
34.517
40.719 43.675
46.584
45.965
36.351 37.246
116.719 129.476 125.650 155.407 100.964 102.856
98.790 100.087
110.944 103.189 101.484 101.898 101.088 101.263

107.980 101.282
99.925 100.515
99.587
99.791
2.964
1.906
1.559
1.383
1.501
1.472
99.399 100.142
98.087
98.653
1.312
1.490
99.776
98.259
1.517
136.720 132.852 131.961 169.154 132.101 135.302 133.964 133.844 135.468

36.703
34.474
33.818 68.517
32.106
34.435
33.820
33.500
33.360
100.017
98.379
98.143 100.637
99.996 100.867 100.144 100.345 102.109
Tabel 1.16 Rekening Administratif Bank Persero (State Owned Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Lainnya (Others)
Lainnya (Others)
Lainnya (Others)
Lainnya (Others)
Lainnya (Others)
2.580
175
2.023
382
1.925
204
1.547
175
Des
497
188
154
155
2009
Jan
Feb
Mar
1.034
193
696
144
1.215
56
1.046
113
1.213
197
780
236
Apr
1.405
240
818
348
Jun
996
191
467
338
Jul
1.327
185
802
340
Ags
958
176
318
465
Sep
1.038
83
644
311
Okt
630
0
630
0
Nov
544
5
62
477
464
0
30
434
1.870
841
235
794
49.389
50.033
59.736
79.368 104.592
97.045 110.154 115.198
35.461
39.557
47.703
58.652
85.374
79.791
93.908
97.684
94.056
94.076
94.111
94.603
102.352
100.844
94.976
96.593
111.654
116
13.307
63
442
257
9.248
30
941
260
11.334
233
205
384
20.165
155
13
530
18.284
389
15
494
16.735
11
14
549
15.060
623
14
760
15.442
1.294
17
785
15.025
1.341
15
777
17.171
889
14
792
19.320
1.041
15
808
17.867
201
16
856
15.941
1.041
14
893
17.258
570
14
954
18.883
685
6
952
19.441
1.154
6
908
18.640
111
14
6.378
2.838
3.339
201
11.109
2.796
7.763
550
14.544
2.728
11.578
238
14.492
2.430
10.944
1.118
79.442
3.480
74.571
1.392
70.167
3.279
65.584
1.304
85.343
3.351
80.812
1.181
98.164
3.582
88.181
6.401
20.542
3.473
10.727
6.343
19.990 228.835
3.158
3.159
10.478 219.014
6.353
6.662
20.746
3.484
10.717
6.546
21.185 278.299
3.610
3.821
10.905 267.270
6.669
7.208
95.866 149.817
3.675
3.946
84.950 139.030
7.241
6.841
22.077
4.144
10.964
6.969
15.564
15.476
88
16.683
16.577
106
17.235
17.101
134
22.386
22.355
31
32.023
31.571
452
30.699
30.305
393
32.446
32.029
417
33.898
33.471
427
30.953
30.541
413
28.769
28.389
380
30.176
29.827
349
30.618
30.188
430
30.585
30.284
302
32.786
32.532
254
101.869 114.513 109.163 139.519 122.606 124.429 110.973 111.624

30.963
29.670
35.775 38.318
41.407
40.616
31.017 31.400
70.906
84.842
73.389 101.201
81.198
83.813
79.957 80.224
1.550
392
811
347
Mei
120
0
111
9
111.222 112.929 115.279 113.495 120.203 119.581 115.504 118.146 131.327
29.444
29.088
355
31.032
30.720
313
31.995
31.738
257
110.673 106.203 104.956 139.599 103.174 106.321 104.687 104.006 106.017

30.847
28.691
28.019 62.645
26.978
29.224
28.575
28.274
28.171
79.826
77.512
76.937 76.954
76.196
77.098
76.112
75.732
77.846
19
20
Tabel 1.17 Rekening Administratif BUSN Devisa (Foreign Exchange Commercial Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Lainnya (Others)
12.156
722
5.870
5.564
7.199
654
1.972
4.573
Feb
Mar
9.384
683
5.653
3.048
7.573
719
5.960
894
8.187
347
6.984
856
Apr
8.394
309
7.181
904
Jun
Jul
7.197
306
6.179
713
8.130
298
6.891
941
Ags
8.388
302
7.070
1.015
Sep
10.093
0
9.269
824
Okt
7.834
0
7.038
797
Nov
58.748
64.526
78.586 116.802 130.790 127.426 138.294 138.137
127.484 129.893 130.484 126.340 131.812 129.993 132.264 128.589 129.811
52.195
57.653
68.281
93.638
107.809
110.519
109.651
110.178
111.560
109.657
114.292
110.987
112.723
111.649
113.094
107
4.297
2.069
79
94
4.495
1.743
541
246
7.137
1.487
1.435
366
12.666
4.877
5.256
321
11.256
4.535
6.869
358
8.968
2.255
5.326
442
9.306
5.087
3.169
680
11.342
5.705
1.257
461
10.943
5.605
824
426
10.817
7.887
585
390
11.147
6.584
804
384
10.990
4.364
945
347
10.945
5.249
979
334
11.480
6.360
832
243
10.716
6.905
1.677
369
10.072
5.640
860
607
10.018
5.090
1.002

Lainnya (Others)
1.752
271
1.025
456
2.575
711
1.273
590
2.086
273
1.694
119
3.216
565
2.047
605
17.390
1.105
2.515
13.770
15.110
920
2.628
11.561
8.845
1.128
2.623
5.094
5.845
784
2.948
2.113
5.458
772
3.025
1.661
5.115
1.174
3.310
631
4.987
1.023
3.736
229
5.155
784
4.214
156
6.282
706
5.457
119
3.771
706
2.965
100
3.846
681
3.075
90
3.897
677
3.130
90
3.963
689
3.184
90

Lainnya (Others)
5.148
4.633
515
6.571
5.964
607
8.940
8.202
738
17.381
14.400
2.981
35.351
18.867
16.484
32.307
18.422
13.885
24.043
18.121
5.922
21.541
18.550
2.991
20.444
17.907
2.537
18.175
16.694
1.481
17.577
16.415
1.162
17.833
16.839
994
17.526
16.496
1.031
18.081
17.047
1.033
17.926
16.966
961
17.924
16.741
1.183
18.056
16.831
1.225
43.480
2.712
40.769
42.802
2.822
39.980
48.860
2.869
45.991
50.754
2.883
47.870
15.227
2.849
12.378
15.274
2.854
12.420
15.350
2.858
12.492
15.831
2.855
12.976
16.074
2.854
13.220
16.228
2.852
13.375
16.491
2.846
13.646
17.746
2.851
14.895
17.809
2.858
14.951
17.651
2.861
14.790
17.891
2.868
15.023
18.032
2.870
15.161
18.109
2.873
15.236
120.291 119.152
11.402
318
10.451
634
Mei
2.149
18
1.535
596
Lainnya (Others)
11.644
1.127
5.016
5.501
Jan
2.431
2.123
307

Lainnya (Others)
5.081
2.206
2.346
529
Des
2009
7.485
0
6.166
1.319
Tabel 1.18 Rekening Administratif BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Lainnya (Others)
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
61
38
24
30
9
21
40
9
32
83
9
74
71
0
71
75
0
75
109
0
109
121
0
121
133
0
133
145
0
145
128
0
128
120
0
120
124
0
124
92 379.921
0
0
92 379.921
69
0
69
62
0
0
62
1.964
1.836
1.666
1.882
2.219
1.966
2.129
2.121
2.163
2.186
2.232
2.289
2.415
2.461 101.063
2.254
2.283
1.906
1.806
1.618
1.853
2.188
1.926
2.059
2.032
2.058
2.078
2.134
2.203
2.285
2.402
2.173
2.217
2.251
3
28
27
2
27
5
44
3
25
5
25
6
34
5
64
9
80
9
97
9
98
12
85
10
77
9
121
9
50
10
98.880
14
24
14
0
0
17

Lainnya (Others)
225
222
3
194
179
15
202
177
25
156
147
9
142
134
8
100
95
4
95
92
2
110
0
106
4
112
0
109
2
109
0
102
7
140
0
132
9
117
0
115
2
133
0
129
4
137
0
134
3
139
0
136
3
134
0
133
0
144
2
141
2

Lainnya (Others)
113
105
8
124
117
7
103
95
8
127
112
16
177
131
45
120
107
12
129
100
29
115
92
23
99
89
10
127
87
40
121
85
36
117
83
34
129
97
33
235
117
118
163
119
44
172
129
43
156
125
32
Lainnya (Others)
545
42
502
598
42
556
590
41
549
637
41
596
949
39
911
530
39
491
525
30
495
613
36
577
628
36
592
1.037
36
1.001
944
36
908
951
36
914
960
35
926
958
37
921
999
35
963
1.043
35
1.007
1.015
19
997

Lainnya (Others)
21
22
Tabel 1.19 Rekening Administratif BPD (Regional Development Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Lainnya (Others)
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
40
10
30
42
16
26
28
10
18
336
21
315
446
12
386
49
35
15
0
20
35
15
0
20
500
14
118
367
601
13
268
321
201
8
97
96
609
7
259
343
398
7
161
230
242
7
23
212
229
7
52
171
146
7
12
126
581
8
12
561
493
8
14
471

Lainnya (Others)
1.238
1.677
2.208
3.820
7.177
6.799
6.799
7.475
7.658
8.061
9.256
9.589
9.552
9.691
9.997
10.693
10.683
1.197
1.625
2.136
3.426
6.684
6.548
6.548
7.018
6.842
7.816
8.947
9.387
9.347
9.568
9.693
10.151
10.258
3
7
1
31
2
50
5
18
50
12
25
356
10
25
384
74
14
13
224
14
13
224
14
1
118
324
14
3
268
531
12
4
97
132
10
1
249
49
10
3
161
29
15
1
23
166
8
12
52
51
13
198
12
80
17
456
12
56
24
361
14
27

Lainnya (Others)
1.434
2
1.233
200
479
2
333
145
624
2
465
157
599
56
496
47
1.299
744
493
63
876
345
463
68
876
345
463
68
2.142
1.294
780
68
1.298
745
471
82
1.370
799
487
83
1.457
871
509
77
1.543
930
519
94
1.687
1.039
554
94
1.724
1.069
561
94
1.822
1.150
585
86
2.681
1.230
1.371
79
1.996
1.296
619
80

Lainnya (Others)
1.035
919
115
1.523
1.451
72
2.856
2.833
23
5.788
5.783
5
8.571
8.566
5
9.198
9.193
5
9.198
9.193
5
8.452
8.448
4
8.273
8.269
4
8.562
8.557
5
8.483
8.478
5
8.940
8.935
4
9.065
9.058
7
9.484
9.476
8
9.690
9.684
6
9.975
9.968
7
10.052
10.046
6
Lainnya (Others)
4.613
1.875
2.738
4.433
1.982
2.451
4.807
2.035
2.772
5.112
2.280
2.832
5.012
2.283
2.730
5.257
2.389
2.868
5.257
2.389
2.868
5.206
2.416
2.790
5.281
2.418
2.864
5.372
2.433
2.939
4.986
2.222
2.764
5.023
2.268
2.755
4.969
2.234
2.734
4.995
2.313
2.682
5.069
2.341
2.728
5.101
2.320
2.780
5.043
2.297
2.746
Tabel 1.20 Rekening Administratif Bank Campuran (Joint Venture Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Lainnya (Others)
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
4.216
3.308
899
8
5.811
4.991
622
198
5.006
2.494
2.011
502
10.730
6.163
4.565
2
7.608
3.595
4.013
1
5.617
4.389
1.227
1
7.408
3.438
3.969
0
6.037
3.792
2.245
0
30.326
27.571
2.742
13
7.772
3.531
4.183
57
6.868
4.043
2.782
43
8.346
4.115
3.485
747
7.584
3.977
3.522
86
7.304
4.127
3.060
117
10.108
4.130
5.488
489
9.382
4.276
5.011
95
6.488
4.221
2.223
44

Lainnya (Others)
14.801
15.752
15.427
20.805
18.802
16.235
18.546
17.598
19.200
19.575
19.018
20.668
20.972
20.481
20.948
22.261
19.356
11.159
11.944
10.341
13.298
12.131
11.400
11.519
11.359
12.846
12.735
12.844
13.194
14.044
14.226
12.751
13.902
13.733
2.663
903
76
2.217
579
1.011
2.068
1.779
1.239
2.890
4.530
87
1
3.310
3.263
97
1
2.913
1.809
111
1
2.855
4.076
94
1
2.598
3.519
120
5
2.781
3.476
92
9
2.860
3.825
146
8
3.259
2.772
135
9
3.339
3.982
144
8
3.176
3.548
195
9
3.140
3.022
84
10
3.344
4.809
35
12
3.090
5.164
93
10
3.129
2.456
28

Lainnya (Others)
16.530
16.228
298
3
19.379
19.190
189
-
20.284
20.042
242
-
29.927
29.715
212
-
41.920
41.712
208
-
41.419
41.256
163
-
41.772
41.600
172
-
42.056
41.869
186
-
38.068
37.788
280
-
31.680
31.072
608
-
35.128
34.859
269
-
35.132
34.838
294
-
33.819
33.527
291
-
34.061
33.757
304
-
42.520
32.826
9.694
-
29.271
29.008
264
-
32.304
32.076
228
0

Lainnya (Others)
3.759
3.743
16
4.647
4.644
3
4.507
4.506
1
6.801
6.801
-
10.999
10.999
-
9.972
9.971
0
10.044
10.044
-
10.309
10.309
-
10.769
10.769
-
10.053
10.053
0
9.319
9.319
0
9.081
9.081
0
8.479
8.479
0
8.560
8.560
-
8.148
8.148
-
7.989
7.989
-
7.825
7.825
0
Lainnya (Others)
1.233
1.233
1.014
1.014
1.217
1.217
1.362
1.362
1.717
1.717
1.736
1.736
1.785
1.785
1.843
1.843
1.833
0
1.833
1.800
0
1.800
1.810
0
1.810
1.859
0
1.859
1.856
0
1.856
2.079
0
2.079
1.924
0
1.924
2.239
0
2.238
1.953
0
1.953
23
24
Tabel 1.21 Rekening Administratif Bank Asing (Foreign Owned Banks Off-Balance Sheet)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Lainnya (Others)
27.412
27.400
12
2.142
2.113
29
5.415
5.406
9
8.590
8.577
13
14.861
14.854
7
7.562
7.557
5
15.879
2.845
13.028
6
22.849
2.396
20.441
12
19.789
2.311
17.470
9
18.501
2.646
15.848
6
24.274
2.573
21.696
6
18.645
257
18.384
4
19.387
2.481
16.902
4
18.992
2.520
16.470
2
22.883
2.416
20.466
1
14.194
2.388
11.802
4
19.319
2.364
16.953
2

Lainnya (Others)
54.846
43.992
41.203
49.917
54.335
46.696
54.218
64.809
62.215
60.760
65.690
65.781
63.529
63.648
67.787
59.751
66.849
24.901
39.402
32.909
37.471
38.392
37.488
39.725
41.246
42.022
41.962
42.357
42.343
42.258
44.481
44.562
45.321
45.992
3.382
26.552
12
2.862
1.717
11
3.398
4.891
5
6.273
6.163
10
4.596
11.342
5
3.114
6.089
4
2.836
11.650
6
3.514
20.037
12
3.151
17.033
9
3.376
15.416
6
3.819
19.509
6
5.531
17.905
2
3.867
17.405
0
4.254
14.912
0
3.927
19.297
0
4.069
10.356
4
0
4.494
16.360
2

Lainnya (Others)
30.964
29.319
1.589
56
37.556
36.072
1.412
73
46.991
45.582
1.303
105
71.351
69.689
1.538
124
99.817
97.916
1.763
139
93.815
92.737
940
138
94.546 108.191
93.132 107.005
1.134
1.044
279
142
97.053
95.889
1.019
145
91.561
90.475
941
146
90.603
89.550
904
149
71.948
70.883
914
150
73.691
72.634
906
151
88.487
87.396
937
154
83.040
81.953
931
155
80.162
79.060
943
158
77.829
76.715
953
161
6.714
6.714
-
8.729
8.729
-
11.018
11.018
-
24.947
24.947
-
42.582
42.582
-
41.489
41.489
-
42.012
42.012
-
42.611
42.611
-
40.406
40.406
-
37.503
37.503
-
36.540
36.540
-
35.751
35.751
-
35.270
35.270
0
33.871
33.871
-
32.887
32.887
-
32.087
32.087
-
30.900
30.900
0
571
571
633
633
1.732
1.732
1.698
154
1.544
2.037
6
2.031
1.596
67
1.529
1.285
65
1.220
2.216
539
1.677
2.230
548
1.682
2.213
461
1.752
2.773
695
2.078
3.976
717
3.260
3.333
3.333
3.297
3.297
3.394
3.394
3.425
3.425
3.331
0
3.331

Lainnya (Others)
Lainnya (Others)
Tabel 1.22 Kinerja Bank Umum (Commercial Banks Performance)

CAR (%)
- Modal (Capital)
- ATMR (Risk Weighted Assets)
KAP (Earning assets Quality)
APYD terhadap Aktiva Produktif (%) (Classified Earning assets to
Earning assets (%)
- APYD (Classified Earning assets)
- Total Aktiva Produktif (Total Earning assets)
PPAPYD terhadap PPAPWD (%) (Earning Assets Write-off Reserve /
Mandatory Earning assets Write-off Reserve (%)
- PPAPYD (Earning assets Write-off Reserve)
- PPAPWD (Mandatory Earning assets Write-off Reserve)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

19,42
130.168
670.140
19,30
144.470
748.541
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun2
Jul
Ags
Sep
Okt
Nov
21,27 19,30
16,77 16,76 17,82
18,04 18,03 17,83 17,52 18,17 17,34
17,12 17,76
17,51
17,08
183.391 211.176 245.382 238.270 253.767 258.400 255.888 244.632 254.069 255.869 252.440 253.343 262.824 261.690 262.221
862.145 1.094.196 1.463.548 1.421.448 1.424.210 1.432.301 1.418.843 1.371.985 1.449.896 1.407.974 1.455.653 1.479.671 1.479.672 1.494.620 1.534.989
3,05
4,70
3,91
3,03
2,92
2,95
3,26
3,29
3,33
3,30
3,33
3,23
3,28
3,28
3,28
3,22
3,22
36.065
62.980
61.192
56.026
66.427
66.144
73.455
75.753
76.591
75.030
75.890
74.718
75.128
75.128
76.252 75.572 76.798
1.182.899 1.339.752 1.565.103 1.851.990 2.271.553 2.242.282 2.250.210 2.300.867 2.297.967 2.272.105 2.276.315 2.316.641 2.293.410 2.293.410 2.326.203 2.349.879 2.385.255
175,54
39.944
22.754
127,25
43.210
33.957
126,88
47.918
37.767
193,95
49.137
25.335
135,29
64.974
48.027
168,12
64.068
38.108
135,72
68.066
50.151
154,53
68.678
44.442
143,98
70.415
48.904
157,12
69.734
44.384
127,97
72.391
56.571
128,46
72.929
56.771
168,66
74.309
44.058
170,98
74.309
43.460
134,90
77.625
57.544
138,42
79.342
57.321
138,56
78.994
57.011
Rentabilitas (Profitability)
ROA (%)
- Laba (Profit)
- Rata-rata total aset (Average Assets)
BOPO (%) (Opeations Expenses / Operations Income (%)1
- Biaya Operasional (Operations Expenses)
- Pendapatan Operasional (Operations Income)
3,46
2,55
2,64
2,78
2,60
2,33
2,69
2,60
2,76
2,71
2,70
2,70
2,69
2,67
2,63
2,65
2,61
40.956
30.601
40.555
49.859
53.098
48.158
62.091
60.447
64.366
63.282
62.991
62.936
62.784
62.546
61.671 62.233 61.448
1.185.278 1.201.039 1.538.821 1.792.481 2.044.908 2.067.044 2.308.030 2.325.886 2.334.626 2.332.718 2.328.820 2.332.899 2.332.691 2.339.178 2.344.712 2.349.612 2.357.428
76,64
89,50
86,98
84,05
86,82
88,59
101,00
96,54
90,68
89,16
87,81
87,77
87,35
87,35
87,41
86,68
86,55
122.396 143.881 184.826 184.617 215.171 232.170
30.322
51.549
71.622
93.113 113.197 134.702 155.614 155.614 195.881 215.980 235.307
159.697 160.762 212.499 219.653 247.830 262.061
30.021
53.398
78.982 104.433 128.915 153.476 178.147 178.147 224.107 249.165 271.883
Likuiditas (Likuidity)
Aktiva terhadap Pasiva - Likuid (%)
LDR (%)
- Kredit (Credits)
- Dana Pihak Ketiga (Third Party Funds)2
2,56
2,64
3,06
3,55
3,23
4,49
3,86
2,98
3,40
3,38
3,27
3,47
3,58
3,64
5,17
3,49
3,68
49,95
59,66
61,56
66,32
77,60
74,58
73,76
73,50
73,08
72,86
73,19
73,20
74,07
74,07
73,55
73,90
73,67
559.470 695.648 792.297 1.002.012 1.325.323 1.307.688 1.289.839 1.301.844 1.305.389 1.297.635 1.305.377 1.335.033 1.338.116 1.338.116 1.366.076 1.377.561 1.397.578
1.120.102 1.166.065 1.287.102 1.510.834 1.707.876 1.753.292 1.748.814 1.771.098 1.786.157 1.780.918 1.783.644 1.823.803 1.806.621 1.806.621 1.857.251 1.864.084 1.896.952
Ket :
1
2
sampai dengan Desember 2005 menggunakan Dana yang diterima (Funds Received)
data revisi
25
26
Tabel 1.23 Kinerja Bank Persero (State Owned Banks Performance)

CAR (%)
- Modal (Capital)
Earning assets (%)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun2
Jul
Ags
Sep
Okt
Nov
20,71
19,43
21,20
17,85
56.798 58.904 62.577 67.263
274.294 303.098 295.153 376.844
14,00
14,31
15,70
71.035 68.757 77.913
507.470 480.330 496.107
15,62
15,53
14,85
14,57
14,21
13,81
79.035 76.712 76.254 75.759 76.720 75.041
506.002 493.878 513.614 520.028 539.796 543.367
13,51
13,27
74.667 72.400
552.545 545.393
13,11
12,77
72.233 73.132
550.845 572.633
3,88
7,96
6,55
4,59
19.163 42.347 38.096 31.383
494.112 532.254 581.590 683.347
3,95
3,33
3,74
31.894 27.388 30.558
808.300 823.508 817.799
3,94
4,10
4,10
4,09
3,89
3,96
32.310 33.850 33.870 34.195 33.594 33.836
820.165 825.372 826.207 836.623 863.329 854.108
3,96
3,92
33.836 33.951
854.108 865.056
3,91
3,76
34.162 33.780
874.709 897.254
208,22
23.548
11.310
131,76
28.093
21.321
131,12
29.480
22.483
266,35
27.665
10.387
144,93
34.248
23.631
258,87
28.965
11.189
191,42
30.779
16.079
195,39
31.494
16.118
136,56
32.848
24.054
228,47
33.177
14.522
134,65
34.257
25.441
129,56
34.774
26.839
226,63
35.815
15.803
212,16
35.815
16.881
148,15
38.091
25.711
149,07
38.999
26.162
149,09
37.888
25.412
ROA (%)
- Laba (Profit)
BOPO (%) (Opeations Expenses / Operations Income (%)
3,46
2,54
2,22
2,76
17.113 13.471 12.776 17.887
494.992 529.689 574.323 647.872
75,73
95,17
97,05
90,68
56.252 71.333 72.383 67.776
74.278 74.957 74.585 74.745
2,60
2,72
2,89
18.803 19.979 23.930
724.464 734.720 827.923
89,22
89,92
121,14
68.834 77.148 10.954
77.150 85.799
9.042
2,92
2,74
2,63
2,60
2,68
2,64
24.088 22.741 21.826 21.681 22.515 22.249
825.670 829.051 829.837 832.485 838.675 841.789
107,50
98,64
96,26
94,18
92,13
93,62
18.316 25.593 32.962 40.310 47.514 56.498
17.039 25.947 34.244 42.799 51.572 60.346
2,64
2,57
22.333 21.563
846.793 838.756
93,62
95,44
56.498 71.947
60.346 75.382
2,67
2,63
22.465 22.257
842.529 847.378
92,95
92,42
79.075 86.016
85.072 93.067
LDR (%)
- Kredit (Credits)
2,92
2,56
3,17
3,58
49,90
51,04
59,93
62,37
222.855 256.413 287.910 356.151
446.564 502.374 480.394 571.008
2,94
4,15
3,54
75,56
70,27
71,45
469.900 470.665 463.971
621.880 669.827 649.338
2,60
3,40
3,37
3,17
3,45
3,64
73,06
73,40
73,68
74,50
74,79
75,64
471.491 480.597 484.482 491.163 511.883 512.725
645.356 654.751 657.564 659.249 684.450 677.812
3,46
5,12
75,64
74,64
512.725 518.113
677.812 694.161
3,51
3,36
74,95
73,68
524.081 531.249
699.218 720.979
Ket :
Tabel 1.24 Kinerja BUSN Devisa (Foreign Exchange Commercial Banks Performance)
CAR (%)
- Modal (Capital)
Earning assets (%)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun2
Jul
Ags
Sep
Okt
Nov
18,08
16,92
19,84
18,21
44.040 42.384 70.049 82.094
243.559 250.453 353.108 450.710
15,50
14,82
15,50
89.695 85.315 88.573
578.856 575.699 571.491
15,80
15,61
16,28
16,20
16,60
16,13
88.753 87.824 84.760 87.935 91.135 88.602
561.900 562.471 520.756 542.784 548.887 549.267
15,62
16,89
87.288 96.042
558.822 568.511
17,17
16,79
97.968 98.053
570.555 584.138
1,88
2,28
2,43
2,03
8.268 11.443 14.486 14.218
440.714 500.822 596.214 700.622
2,47
2,97
3,31
19.959 24.426 27.328
809.584 821.136 826.627
3,33
3,35
3,19
3,26
3,15
3,15
28.305 28.101 26.468 27.132 26.536 26.215
850.391 838.608 830.272 832.743 841.732 833.178
3,09
3,16
26.337 26.828
850.971 850.129
3,05
3,12
26.208 27.332
858.415 875.721
173,05
9.196
5.314
126,10
7.576
6.008
123,48
10.621
8.601
141,48
11.334
8.011
120,73
16.552
13.710
121,45
21.335
17.568
107,67
22.558
20.951
131,16
22.552
17.194
171,10
23.937
13.990
128,65
23.072
17.935
126,14
23.606
18.714
123,99
23.821
19.212
131,78
24.362
18.486
148,90
24.362
16.361
134,94
25.022
18.543
134,27
25.496
18.988
137,76
26.049
18.909
ROA (%)
- Laba (Profit)
3,09
2,17
2,35
2,44
14.079
8.055 14.038 17.040
454.951 370.434 596.617 699.122
78,25
88,31
82,53
81,85
38.243 38.816 65.603 66.931
48.873 43.952 79.491 81.770
1,93
1,25
1,97
15.459 10.076 17.506
802.308 807.788 889.464
89,21
93,76
95,46
85.422 91.874 10.213
95.756 97.989 10.698
1,79
1,97
2,05
2,13
2,07
2,14
16.074 17.610 18.242 18.250 17.807 18.479
900.117 892.449 891.566 856.481 861.656 864.479
95,55
93,01
91,45
90,00
91,47
88,62
19.318 27.268 35.464 43.698 53.274 60.446
20.218 29.318 38.780 48.551 58.242 68.210
2,16
2,21
18.753 19.372
868.895 874.912
88,62
87,13
60.446 75.594
68.210 86.759
2,22
2,18
19.448 19.236
876.079 883.538
86,83
86,78
83.461 91.372
96.125 105.286
LDR (%)
- Kredit (Credits)
2,06
2,20
2,92
3,67
46,23
73,27
60,03
67,18
209.176 277.591 315.256 407.742
452.491 378.877 525.177 606.932
3,55
5,25
4,55
76,88
74,72
72,31
520.394 524.295 510.577
676.860 701.710 706.082
3,41
3,49
3,38
3,28
3,31
3,56
70,95
70,57
70,25
69,96
70,21
70,13
509.396 502.127 498.159 497.546 505.360 501.951
717.938 711.545 709.138 711.150 719.751 715.713
3,80
5,80
70,13
70,20
501.951 518.445
715.713 738.571
3,46
3,86
70,42
70,43
519.464 532.020
737.653 755.441
Ket :
1
2
Data Revisi
27
28
Tabel 1.25 Kinerja BUSN Non Devisa (Non-Foreign Exchange Commercial Banks Performance)
CAR (%)
- Modal (Capital)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun2
Jul
Ags
Sep
Okt
Nov
16,30
2.728
16.732
15,32
2.114
13.802
19,27
3.459
17.951
23,14
5.020
21.694
25,26
5.675
22.469
24,44
5.832
23.858
24,05
5.954
24.753
24,24
6.248
25.779
26,34
6.131
23.270
24,92
5.982
24.002
24,30
6.105
25.127
22,88
6.039
26.389
21,65
6.121
28.278
21,35
6.347
29.734
19,97
6.149
30.795
19,90
6.494
32.633
18,89
6.360
33.673
3,28
648
19.735
3,92
722
18.404
2,90
757
26.141
1,96
677
34.610
2,13
756
35.443
1,61
608
37.729
1,71
646
37.738
2,01
804
40.047
1,95
746
38.370
2,03
784
38.579
1,96
776
39.624
2,01
836
41.614
2,09
895
42.778
2,35
1.036
44.052
2,22
992
44.596
2,09
961
46.090
2,27
1.061
46.770
137,19
512
373
121,91
415
340
177,72
500
282
144,47
643
445
170,79
737
431
184,60
692
375
168,03
724
431
165,96
863
520
142,43
787
552
151,28
819
541
160,87
835
519
169,16
828
489
182,30
839
460
169,74
839
494
148,88
859
577
227,92
934
410
153,41
978
638
ROA (%)
- Laba (Profit)
2,79
603
21.658
83,94
2.803
3.340
0,96
182
18.952
97,48
2.408
2.471
2,08
531
25.572
92,25
3.854
4.178
2,99
991
33.119
83,58
4.369
5.227
2,44
953
39.098
84,49
4.472
5.292
2,20
865
39.379
86,73
5.078
5.854
0,67
290
43.339
97,05
559
576
1,00
443
44.179
95,72
1.122
1.173
1,13
468
41.497
93,96
1.548
1.647
1,16
487
41.909
93,01
2.070
2.226
1,25
530
42.411
93,07
2.639
2.836
1,07
461
43.111
95,28
3.303
3.466
1,43
625
43.766
94,31
3.902
4.137
1,37
609
44.463
94,31
3.902
4.137
1,31
582
44.375
95,54
5.186
5.428
1,28
579
45.099
95,43
5.913
6.197
1,20
547
45.767
96,34
6.654
6.907
LDR (%)
- Kredit (Credits)
1,78
68,74
15.101
21.970
1,54
82,48
16.842
20.419
2,49
78,26
19.114
24.423
2,08
78,26
23.863
30.491
1,93
84,75
27.072
31.944
2,25
81,66
27.122
33.213
2,00
79,60
26.918
33.817
1,92
80,03
28.374
35.454
2,17
78,59
26.261
33.414
2,22
78,39
26.683
34.041
2,15
77,70
27.308
35.147
2,55
76,42
28.323
37.060
2,45
79,79
30.069
37.685
2,62
79,79
30.069
37.685
2,66
81,30
31.917
39.260
2,37
82,80
33.057
39.926
2,53
84,36
34.165
40.500

Earning assets (%)
Ket :
Tabel 1.26 Kinerja BPD (Regional Development Banks Performance)

CAR (%)
- Modal (Capital)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
Jan
Feb
Mar
Apr
Mei
Jun
Jul2
Ags
Sep
Okt
Nov
19,14
7.815
40.831
19,24
9.180
47.725
18,35
14.224
77.533
16,73 16,82 20,44

16.710 17.025 21.195
99.885 101.190 103.690
20,23 20,59 18,05 16,94 15,41 15,07

21.398 21.062 20.164 19.479 18.287 18.272
105.755 102.299 111.720 115.015 118.653 121.282
14,87 14,85
18.538 18.766
124.672 126.367
15,11 15,03
19.185 19.544
126.927 130.010
0,98
647
66.255
1,16
0,81
0,99
984
1.075
1.393
85.078 131.845 140.981
1,22
1,00
1,22
2.150
1.661
2.010
176.847 166.823 165.347
1,26
1,26
1,25
1,35
1,39
1,44
2.168
2.243
2.306
2.488
2.561
2.671
172.319 178.498 184.429 184.771 184.553 185.964
1,53
1,54
2.908
2.908
189.928 188.922
1,55
1,64
2.964
3.040
191.206 185.597
113,03
943
835
111,47
1.236
1.109
ROA (%)
- Laba (Profit)
3,99
2.726
68.396
73,85
7.240
9.803
3,38
3,38
3,08
2.952
4.557
5.155
87.236 134.622 167.279
76,17
76,15
76,06
8.831 13.403 14.652
11.594 17.599 19.264
3,99
3,70
5,17
7.050
6.569
9.591
176.680 177.394 185.666
70,62
73,04
64,26
14.440 16.510
1.274
20.447 22.606
1.983
4,51
4,45
4,05
4,18
4,11
3,95
8.454
8.520
7.915
8.248
8.171
7.879
187.467 191.543 195.273 197.206 198.657 199.353
67,70
68,10
69,30
68,49
69,37
70,56
2.610
4.045
5.542
6.998
8.555 10.222
3.855
5.941
7.998 10.218 12.333 14.486
3,87
3,71
7.763
7.477
200.758 201.780
71,14
72,15
11.822 13.498
16.618 18.709
3,70
3,68
7.504
7.478
202.814 203.119
72,25
72,39
15.073 16.626
20.860 22.966
LDR (%)
- Kredit (Credits)
10,80
53,39
37.232
69.733
8,68
6,26
7,74
46,96
43,33
53,53
44.931 55.955 71.881
95.688 129.141 134.287
7,33
8,91
7,89
60,11
67,28
63,80
97.497 96.385 96.371
162.210 143.262 151.045
7,51
7,46
7,80
7,98
8,79
7,97
63,50
60,73
60,20
62,50
64,73
67,15
98.443 100.880 103.949 107.325 111.057 113.797
155.017 166.111 172.660 171.724 171.573 169.456
8,47
9,16
67,59
68,82
117.396 119.667
173.696 173.873
8,28
9,83
69,59
73,36
121.874 123.260
175.135 168.015

Earning assets (%)
Ket :
1
2
19,12
11.586
60.591
Des
2009
143,57
1.570
1.094
105,63
1.906
1.804
107,49
2.665
2.479
Data Revisi
110,82
2.499
2.255
111,85
2.630
2.351
660,24
2.706
410
118,16
2.726
2.308
114,12
2.841
2.489
105,10
2.917
2.776
122,69
2.968
2.419
416,96
3.073
737
103,54
3.176
3.067
104,50
3.252
3.112
106,68
3.295
3.089
105,37
3.353
3.182
29
30
Tabel 1.27 Kinerja Bank Campuran (Joint Venture Banks Performance)

CAR (%)
- Modal (Capital)
Des Des Des Des
2004 2005 2006 2007 Nov

28,35
9.453
33.349
28,78
11.476
39.878
30,78
12.664
41.151
28,22
15.920
56.416
6,01
3.285
54.647
3,56
2.267
63.588
3,10
2.118
68.277
2,17
2.054
94.740
111,10
2.140
1.926
114,72
1.819
1.586
113,96
1.470
1.290
126,44
1.527
1.208
ROA (%)
- Laba (Profit)
BOPO (%) (Opeations Expenses / Operations Income (%)1
3,00
1.375
45.887
76,95
3.343
4.344
3,31
1.888
56.968
74,92
4.528
6.043
3,72
2.185
58.670
79,05
6.213
7.860
3,06
2.405
78.492
79,78
7.601
9.528
LDR (%)
- Kredit (Credits)
0,51
75,56
30.914
40.914
0,60
76,82
36.937
48.079
0,51
113,66
40.833
35.927
0,49
106,53
58.520
54.934

Earning assets (%)
Ket :
2008
22,42
20.221
90.196
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun2
24,95
19.266
77.216
26,57
20.460
76.995
26,11
20.638
79.039
25,06
22.189
88.555
26,26
22.215
84.596
26,96
22.262
82.579
29,35
20.706
70.555
1,90
1,79
1,93
2.670
2.242
2.423
140.693 125.190 125.455
102,85
2.198
2.137
105,92
2.009
1.897
106,92
2.019
1.888
2,64
2,87
3,07
2.743
2.901
3.626
104.041 101.022 118.158
87,40
83,57
94,04
12.177 12.268
1.644
13.933 14.681
1.748
0,63
112,55
87.638
77.866
0,64
98,63
75.849
76.902
0,70
100,37
76.503
76.222
Jul
27,75
22.096
79.626
1,97
2,35
2,36
2,29
2,35
2,38
2.602
3.356
3.275
3.147
3.198
3.179
132.332 142.649 138.646 137.286 136.105 133.426
105,89
2.119
2.001
147,73
2.361
1.598
101,92
2.201
2.159
106,19
2.303
2.169
144,26
2.167
1.502
107,62
2.460
2.286
3,39
2,95
2,91
2,73
2,68
2,45
4.109
3.973
3.901
3.640
3.551
3.233
121.318 134.694 134.087 133.347 132.639 131.856
91,35
82,36
82,68
83,33
83,64
84,90
3.074
4.072
5.520
6.660
7.663
7.962
3.365
4.944
6.677
7.992
9.162
9.378
0,62
95,33
77.618
81.419
0,78
95,32
85.471
89.663
0,83
93,62
81.120
86.651
0,76
92,30
80.250
86.950
0,61
90,97
78.761
86.579
0,77
91,61
77.534
84.638
Ags
Sep
Okt
Nov
27,25
22.209
81.502
27,80
22.235
79.994
27,69
22.991
83.046
27,35
22.521
82.334
2,26
2,20
3.075
2.938
136.278 133.338
107,62
2.460
2.286
106,32
2.439
2.294
2,42
2,36
3.184
3.094
131.657 131.205
84,90
84,87
7.962 10.693
9.378 12.598
0,88
91,61
77.534
84.638
1,05
89,81
78.930
87.885
2,12
2,11
2.924
2.911
137.778 137.788
105,27
2.427
2.305
105,67
2.409
2.280
2,35
2,31
3.149
3.040
133.755 131.632
85,00
85,08
11.909 12.625
14.011 14.839
0,82
88,58
81.288
91.768
0,86
88,05
80.303
91.205
Tabel 1.28 Kinerja Bank Asing (Foreign Owned Banks Performance)

CAR (%)
- Modal (Capital)
Earning assets (%)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

16,51
9.938
60.210
Jan
Feb
Mar
Apr
Mei
Jun2
Jul
Ags
Sep
Okt
Nov
24,48
24,01
23.057 26.655
94.192 111.000
25,53
29,06
26,24
42.046 41.031 39.672
164.671 141.205 151.173
27,52
28,29
30,10
30,16
30,98
31,61
42.328 41.969 35.156 38.131 41.378 42.308
153.827 148.370 116.779 126.439 133.548 133.834
33,46
36,72
44.295 47.232
132.395 128.611
32,78
32,23
42.819 42.611
130.613 132.200
3,79
3,82
2,89
3,19
3.978
5.108
4.659
6.300
104.885 133.870 161.035 197.690
2,99
3,67
3,78
8.998
9.819 10.492
300.686 267.897 277.243
3,35
3,02
3,28
3,32
3,20
3,42
9.564
8.294
8.326
8.152
7.993
8.332
285.615 274.470 253.971 245.267 249.867 243.955
3,45
3,54
8.457
8.635
244.772 244.161
3,46
3,58
8.353
8.674
241.682 242.124
120,37
3.549
2.949
21,94
19.448
88.645
Des
2009
113,73
3.952
3.475
106,43
4.276
4.018
174,18
6.061
3.480
152,06
8.574
5.639
173,95
8.567
4.925
110,73
9.357
8.451
109,08
8.944
8.199
121,14
7.755
6.401
113,80
7.615
6.692
116,85
7.618
6.519
214,49
7.709
3.594
112,19
7.760
6.917
115,81
7.760
6.701
108,95
7.961
7.307
128,67
8.191
6.366
126,19
8.317
6.591
ROA (%)
- Laba (Profit)
5,22
2,90
4,35
3,83
5.054
3.849
6.468
6.380
96.816 132.524 148.597 166.598
75,71
82,80
81,18
79,98
14.139 17.136 23.370 23.289
18.675 20.695 28.786 29.119
4,12
3,89
2,94
8.090
7.767
7.148
196.579 199.670 243.480
84,61
83,38
95,06
29.826 29.292
5.679
35.251 35.132
5.974
2,95
4,50
4,55
4,54
4,52
4,52
7.279 11.053 10.910 10.641 10.430 10.320
247.135 245.392 239.622 234.177 231.002 228.081
91,73
81,32
79,64
78,04
76,96
76,81
7.109
9.095 11.554 12.891 14.392 16.583
7.749 11.185 14.508 16.519 18.700 21.590
4,38
4,26
9.904
9.583
226.167 224.712
76,81
75,16
16.583 18.964
21.590 25.231
4,07
4,00
9.088
8.889
223.262 222.291
76,39
76,39
20.549 22.014
26.900 28.819
LDR (%)
- Kredit (Credits)
0,79
2,01
51,25
54,89
44.193 62.935
86.236 114.658
0,78
0,93
0,67
89,58
88,31
87,29
122.821 113.372 115.499
137.115 128.377 132.310
0,68
0,75
0,67
0,70
0,73
0,76
85,73
84,22
85,42
85,23
80,11
84,11
116.522 110.054 103.240 101.785 99.657 102.040
135.914 130.673 120.865 119.424 124.398 121.318
0,79
1,19
84,11
80,16
102.040 99.005
121.318 123.502
0,80
0,77
81,24
79,94
97.796 96.581
120.384 120.812
Ket :
0,68
0,68
79,56
74,09
73.230 83.856
92.040 113.182
31
32
Persen
Tabel 1.29 Rasio Kinerja Lainnya (Other Performance Ratio)

Net Interest Margin (NIM)
Bank Persero (State Owned Banks)
BUSN Devisa (Foreign Exchange Commercial Banks)
BUSN Non Devisa (Non-Foreign Exchange Commercial Banks)
BPD Regional (Development Banks)
Bank Campuran (Joint Venture Banks)
Bank Asing (Foreign Owned Banks)
Des
Des
Des
Des
2008
2009
2004 2005 2006 2007 Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
6,23
5,35
8,52
10,45
3,46
4,40
5,88
6,07
5,32
7,25
8,52
3,75
4,29
5,66
6,04
5,28
6,56
8,71
4,06
3,64
5,56
5,80
5,16
6,72
8,18
3,79
3,54
5,36
5,95
5,29
6,73
8,12
3,90
3,79
5,50
5,94
5,40
6,98
7,97
3,83
3,65
5,51
5,89
5,62
7,12
7,96
3,87
3,70
5,54
5,88
5,60
7,21
7,91
3,84
3,83
5,55
5,85
5,63
7,29
7,88
3,80
3,76
5,56
5,80
5,63
7,32
7,83
3,80
3,84
5,55
5,71
5,63
7,54
7,80
3,78
3,80
5,49
5,83
5,64
7,71
7,80
3,79
3,83
5,55
5,80
5,62
7,86
7,82
3,78
3,81
5,54
5,78
5,24
5,35
9,56
3,81
4,78
5,63
5,77
5,67
6,80
8,20
4,59
4,91
5,80
6,03
5,43
7,98
7,24
4,03
4,70
5,70
6,10
5,25
7,31
8,44
3,67
4,31
5,65
Tabel 1.30 Jumlah Bank Umum Berdasarkan Tingkat Rasio (Commercial Bank Based on Ratios)
Des
Des
Des
Des
2008
2009
2004 2005 2006 2007 Nov Des* Jan*
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Modal Inti (Tier One Capital)

<100 m
51
44
39
30
22
22
21
24
21
21
19
16
15
14
12
12
11
>100 m
83
87
91
100
104
102
103
100
103
102
103
106
107
108
109
109
110
CAR (Capital Adequacy Ratio)

<12%
18
12
13
14
19
11
14
11
14
15
18
18
16
15
>12%
116
119
117
116
107
113
115
116
117
109
111
108
107
104
103
105
106
<5%
104
100
100
108
103
105
104
105
102
102
101
98
99
99
99
101
98
>5%
30
31
30
22
23
19
20
19
22
21
21
24
23
23
22
20
23
NPL (Non Performing Loan Ratio)
ROA Return on Asset Ratio)

<1,5%
27
41
47
46
44
41
48
50
45
44
45
41
39
38
40
39
41
>1,5%
107
90
83
84
82
83
76
74
79
79
77
81
83
84
81
82
80
LDR (Loan to Deposit Ratio)

<50%
24
25
29
20
11
11
11
13
12
14
10
10
10
>50%
110
106
101
110
115
115
113
113
111
111
108
112
114
115
113
111
111
Ket : *Data revisi bulan Des 2008, Jan 2009
33
34
Tabel 1.31 Perkembangan Aset Bank Umum (Growth of Commercial Bank Assets)
Kelompok Bank (Category of Bank)
Des
Des
Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei Jun 1
Jul
Ags
Sep
Okt
Nov
518.975
565.585
621.212
741.988
806.853
847.563
827.923
823.418
835.812
832.591
839.132
868.812
861.025
881.819
871.854
876.749
900.104
494.174
571.231
663.002
768.730
861.415
883.470
889.464
910.770
895.971
890.609
878.184
887.571
881.416
899.804
916.079
910.349
935.721
23.307
26.283
29.657
39.012
40.070
42.467
43.339
45.018
42.870
43.142
44.431
46.605
47.717
49.339
50.015
51.607
52.449
BPD (Regional Development Banks)
78.487
106.411
159.476
170.012
194.866
185.252
185.666
189.269
199.693
206.464
204.941
205.913
203.531
210.629
209.956
212.116
206.169
50.026
59.639
64.421
90.480
131.652
118.131
118.158
124.477
135.856
132.266
130.736
129.109
127.158
130.265
127.643
132.946
132.710
107.112
140.679
156.083
176.278
268.505
233.674
243.480
250.789
241.908
222.312
212.397
215.125
210.557
212.770
213.069
210.217
212.578
2.308.030 2.343.741
2.352.110
2.327.383 2.309.821 2.353.136
2.331.404 2.384.626
2.388.616
2.393.983 2.439.731

Total
Ket :
data revisi
1.272.081 1.469.827
1.693.850 1.986.501
2.303.362 2.310.557
Tabel 1.32 Bank Umum Berdasarkan Total Aset (Commercial Banks Based on Total Assets)
Desember 2004
Kelompok Bank
(Category of Bank)
Desember 2005
Desember 2006
< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50 < Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50
Triliun 10 Triliun 50 Triliun Triliun Triliun 10 Triliun 50 Triliun Triliun
Desember 2007
November 2008
November 2009
Desember 2008
< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50

Triliun 10 Triliun 50 Triliun Triliun
jumlah Bank (total banks)

Bank Persero
(State Owned Banks)
BUSN Devisa
(Foreign Exchange Commercial Banks)
BUSN Non Devisa
(Non-Foreign Exchange Commercial Banks)
BPD Regional
(Development Banks)
Bank Campuran
(Joint Venture Banks)
Bank Asing
(Foreign Owned Banks)
Total
10
13
10
12
12
15
12
14
11
16
10
16
10
18
31
30
28
26
25
24
20
10
20
20
18
18
18
19
16
14
14
14
15
53
59
17
47
57
22
39
59
27
33
60
29
30
54
30
12
28
55
30
11
24
56
30
11
35
36
Tabel 1.33 Peringkat Bank Umum Berdasarkan Aset (Bank Rating Based on Assets)
Desember 2004
Peringkat
(Rating)
Nama Bank
(Bank Name)
Desember 2005
Pangsa thd
Total Aset
Bank
Total
Umum (%)
Aset
(Portion to
(Total
Total Assets
Assets)
at
Commercial
Banks)
Nama Bank
(Bank Name)
Total
Aset
(Total
Assets)
Desember 2006
Pangsa thd
Total Aset
Bank Umum
(%)
(Portion to
Total Assets
at
Commercial
Banks)
Nama Bank
(Bank Name)
Total
Aset
(Total
Assets)
Desember 2007
Pangsa thd
Total Aset
Bank Umum
(%)
(Portion to
Total Assets
at
Commercial
Banks)
Nama Bank
(Bank Name)
November 2008
Pangsa thd
Total Aset
Bank
Total
Umum (%)
Aset
(Portion to
(Total
Total Assets
Assets)
at
Commercial
Banks)
Nama Bank
(Bank Name)
Desember 2008
Pangsa thd
Total Aset
Bank Umum
Total
(%)
Aset
(Portion to
(Total
Total Assets
Assets)
at
Commercial
Banks)
Nama Bank
(Bank Name)
Total
Aset
(Total
Assets)
November 2009
Pangsa thd
Total Aset
Bank Umum
(%)
(Portion to
Total Assets
at
Commercial
Banks)
Nama Bank
(Bank Name)
Pangsa thd
Total Aset
Bank
Total
Umum (%)
Aset
(Portion to
(Total
Total Assets
Assets)
at
Commercial
Banks)
PT Bank Mandiri Tbk
241.462
18,98
PT Bank Mandiri Tbk
255.315
17,37 PT Bank Mandiri Tbk
255.988
306.563
15,43
PT Bank Mandiri Tbk
329.100
340.181
14,72 PT Bank Mandiri (Persero) Tbk
349.027
14,31
PT Bank Central Asia Tbk
149.828
11,78
150.741
10,26 PT Bank Central Asia Tbk
177.611
218.615
11,01
237.868
10,35 PT Bank Rakyat Indonesia Tbk
250.134
10,83 PT Bank Rakyat Indonesia (Persero) Tbk 285.530
11,70
PT Bank Negara Indonesia Tbk
136.303
10,71
150.600
10,25 PT Bank Negara Indonesia Tbk
168.863
9,97 PT Bank Rakyat Indonesia Tbk
204.009
10,27
PT Bank Rakyat Indonesia Tbk
230.901
246.702
278.555
11,42
PT Bank Rakyat Indonesia
107.018
8,41
123.056
8,37 PT Bank Rakyat Indonesia
154.979
184.463
9,29
190.681
200.974
213.055
8,73
PT Bank Danamon Indonesia Tbk
58.371
4,59
66.820
4,55 PT Bank Danamon Indonesia Tbk
79.708
86.684
4,36
107.168
104.842
4,54 PT Bank CIMB Niaga Tbk
102.249
4,19
PT Bank Internasional Indonesia Tbk
35.787
2,81
47.311
3,22 PT Bank Internasional Indonesia Tbk
48.316
2,85 PT Bank Niaga Tbk
54.733
2,76
PT Pan Indonesia Bank Tbk
63.418
2,84 PT CIMB Niaga Tbk
69.305
97.661
4,00
PT Bank Permata Tbk
31.700
2,49
PT Bank Niaga Tbk
41.363
46.464
2,74 PT Pan Indonesia Bank Tbk
51.384
2,59
PT Bank Niaga
61.111
63.628
74.867
3,07
PT Bank Niaga Tbk
30.824
2,42
35.917
39.229
50.941
2,56
Standard Chartered Bank
61.079
2,45 PT Bank Permata Tbk
54.220
55.886
2,29
PT Lippo Bank Tbk
27.826
2,19
PT Bank Permata Tbk
34.412
2,34 Citibank N.A
38.169
2,25 Citibank N.A
45.021
2,27
Citibank N.A
60.231
54.068
55.779
2,29
10
PT Bank Tabungan Negara
26.760
2,10
Citibank N.A
33.008
37.869
39.131
1,97
The Hongkomg & Shanghai B.C
54.197
2,42 Citibank N.A
53.503
2,32 PT Bank Tabungan Negara (Persero)
52.492
2,15
Total
845.879
66,50
Total
938.543
63,85 Total
1.241.544
62,50
1.565.100
64,15
1.047.196
61,82 Total
Total
1.395.753
60,60 Total
1.437.557
62,22 Total
Tabel 1.34 Aktiva Produktif Bank Umum (Earning Assets of Commercial Banks)
Des
Des
Des
Des
2004 2005 2006 2007

Aktiva Produktif (Earning Asset)
a. Lancar (Current)
b. DPK (Special Mention)
c. Kurang Lancar (Sub-Standard)
d. Diragukan (Doubtful)
e. Macet (Lost)
1.182.899
1.099.158
53.305
13.203
4.387
12.847
1.339.752 1.565.103 1.851.990

1.216.190 1.446.264 1.742.691
64.863
67.604
65.257
18.077
10.909
6.901
11.581
5.955
3.523
29.040
34.370
33.619
30.437
2,57
58.698
4,38
Kredit
a. Lancar (Current)
e. Macet (Lost)
559.470
484.673
49.622
10.902
4.224
10.048
695.648
583.543
59.516
15.337
11.062
26.191
Non Performing Loan (Nominal)

Rasio Non Performing Loan (%)
25.174
4,50
52.589
7,56
Non Performing Earning Asset (Nominal)

Rasio Non Performing Earning Asset (%)
Ket :
data revisi
51.234
3,27
44.043
2,38
792.297 1.002.012
680.805 900.094
63.436
61.150
9.183
5.874
5.869
3.489
33.005
31.405
48.057
6,07
40.767
4,07
2008
Nov
Des
2009
Jan
Feb
Mar
2.271.553 2.242.282 2.250.210 2.300.867 2.297.967

2.133.060 2.108.571 2.100.333 2.144.248 2.141.164
86.835
80.607
90.486
96.449
92.623
10.507
11.472
13.639
12.783
16.032
6.745
5.500
6.950
8.553
10.916
34.405
36.131
38.802
38.835
37.232
51.658
2,27
53.104
2,37
59.391
2,64
60.171
2,62
64.181
2,79
1.325.323 1.307.688 1.289.839 1.301.844 1.305.389

1.198.594 1.190.245 1.158.828 1.163.604 1.167.313
80.535
75.571
84.715
89.799
86.745
9.175
8.177
9.967
10.041
13.388
6.136
5.406
6.633
8.255
9.375
30.884
28.290
29.696
30.145
28.569
46.194
3,49
41.872
3,20
46.296
3,59
48.440
3,72
51.332
3,93
Apr
Mei
Jun1
2.272.105 2.276.315 2.316.641

2.117.870 2.121.263 2.166.364
90.887
91.929
87.319
16.517
16.281
14.373
11.126
11.309
11.530
35.705
36.285
37.054
63.348
2,79
63.875
2,81
62.958
2,72
1.297.635 1.305.377 1.335.033

1.159.406 1.164.951 1.199.925
85.541
86.337
82.476
13.892
13.797
11.807
9.632
9.879
10.061
29.163
30.413
30.764
52.687
4,06
54.088
4,14
52.632
3,94
Jul
Ags
Sep
Okt
Nov
2.293.410 2.342.796 2.326.203 2.349.879 2.385.255

2.142.364 2.188.163 2.167.806 2.196.486 2.225.080
86.440
89.764
96.149
90.201
96.843
16.651
16.612
14.647
15.394
16.122
11.047
10.871
10.837
9.897
10.736
36.907
37.386
36.763
37.902
36.474
64.606
2,82
64.869
2,77
62.248
2,68
63.193
2,69
63.332
2,66
1.338.116 1.365.942 1.366.076 1.377.561 1.397.578

1.202.367 1.227.441 1.223.016 1.239.099 1.252.055
81.433
84.166
91.090
85.506
92.107
13.951
13.730
11.981
12.403
13.709
9.585
9.405
9.148
8.545
8.792
30.781
31.200
30.841
32.008
30.915
54.317
4,06
54.335
3,98
51.970
3,80
52.956
3,84
53.416
3,82
37
38
Tabel 1.35 Aktiva Produktif Bank Persero (Earning Assets of State Owned Banks)
Des

a. Lancar (Current)
e. Macet (Lost)
Kredit
a. Lancar (Current)
e. Macet (Lost)
Ket :
data revisi
Des
Des
Des
2008
2009
2004 2005 2006 2007
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun1
Jul
Ags
Sep
Okt
Nov
494.112
449.826
27.926
7.643
1.428
7.289
532.254
457.324
32.572
11.630
9.356
21.372
581.590
514.140
34.770
5.102
2.899
24.678
683.347
626.735
31.412
2.723
1.237
21.240
808.300
743.297
39.572
4.674
4.372
16.385
823.508
766.622
36.546
3.034
2.285
15.021
817.799
753.177
41.827
3.843
3.090
15.861
820.165
752.803
43.052
3.701
3.648
16.960
825.372
754.903
43.696
5.513
4.363
16.898
826.207
756.122
43.103
5.596
4.362
17.024
836.623
765.588
43.888
5.988
3.726
17.435
863.329
795.586
41.495
4.208
3.706
18.335
854.108
784.113
43.016
5.965
3.658
17.357
876.794
805.602
43.750
5.687
4.255
17.500
865.056
791.492
48.777
4.018
4.082
16.686
874.709
802.369
46.448
4.910
3.548
17.434
897.254
822.167
50.290
5.240
3.877
15.680
16.360
3,31
42.358
7,96
32.679
5,62
25.201
3,69
25.431
3,15
20.340
2,47
22.795
2,79
24.310
2,96
26.774
3,24
26.983
3,27
27.148
3,24
26.249
3,04
26.979
3,16
27.442
3,13
24.786
2,87
25.892
2,96
24.796
2,76
222.855
183.555
26.190
6.487
1.337
5.287
256.413
189.292
29.308
9.962
8.887
18.965
287.910
224.579
32.528
4.374
2.839
23.589
356.151
303.693
29.310
2.701
1.237
19.210
469.900
409.944
37.422
4.074
3.807
14.652
470.665
418.002
35.069
2.973
2.275
12.346
463.971
403.931
40.103
3.797
2.896
13.244
471.491
408.423
41.700
3.652
3.446
14.271
480.597
414.604
42.106
5.321
4.196
14.368
484.482
418.190
41.917
5.468
4.210
14.697
491.163
423.723
42.236
5.857
3.726
15.621
511.883
447.631
40.420
4.117
3.706
16.010
512.725
446.458
41.601
5.791
3.651
15.224
523.875
456.300
42.415
5.580
4.241
15.339
518.113
448.570
46.956
3.922
4.078
14.586
524.081
455.712
44.829
4.680
3.547
15.313
531.249
460.247
48.274
5.145
3.869
13.713
13.111
5,88
37.813
14,75
30.803
10,70
23.148
6,50
22.534
4,80
17.594
3,74
19.938
4,30
21.368
4,53
23.886
4,97
24.375
5,03
25.204
5,13
23.833
4,66
24.666
4,81
25.160
4,80
22.587
4,36
23.539
4,49
22.727
4,28
Tabel 1.36 Aktiva Produktif BUSN Devisa (Earning Assets of Foreign Exchange Commercial Banks)
Des

a. Lancar (Current)
e. Macet (Lost)
Kredit
a. Lancar (Current)
e. Macet (Lost)
Ket :
data revisi
Des
Des
Des
2008
2009
2004 2005 2006 2007
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun1
Jul
Ags
Sep
Okt
Nov
440.714
420.960
12.865
2.670
2.010
2.209
500.822
474.357
17.070
3.737
1.406
4.253
596.214
565.801
18.274
3.341
2.203
6.595
700.622
670.749
19.016
2.068
1.432
7.356
809.584
767.313
27.782
2.235
1.434
10.821
821.136
774.507
27.134
2.570
2.269
14.656
826.627
774.912
29.373
3.304
2.822
16.216
850.391
794.812
32.575
3.723
3.922
15.359
838.608
784.445
29.359
5.973
4.225
14.606
830.272
777.910
28.918
6.307
4.207
12.930
832.743
778.628
30.654
5.553
4.866
13.043
841.732
789.212
29.074
5.874
4.970
12.603
833.178
782.615
26.841
6.180
4.509
13.034
850.971
799.035
28.478
6.630
3.702
13.127
850.129
796.198
30.537
6.518
3.765
13.112
858.415
807.414
27.437
6.666
3.531
13.367
875.721
821.745
29.780
6.547
4.141
13.508
6.889
1,56
9.396
1,88
12.139
2,04
10.856
1,55
14.489
1,79
19.495
2,37
22.342
2,70
23.004
2,71
24.804
2,96
23.444
2,82
23.462
2,82
23.446
2,79
23.723
2,85
23.458
2,76
23.394
2,75
23.564
2,75
24.196
2,76
209.176
190.280
12.703
2.556
1.987
1.650
277.591
251.811
16.846
3.617
1.383
3.934
315.256
285.540
18.087
3.069
2.198
6.363
407.742
378.247
18.860
1.981
1.416
7.237
520.394
480.713
27.015
2.160
1.429
9.078
524.295
484.022
25.975
2.514
2.223
9.560
510.577
466.564
28.222
3.243
2.747
9.800
509.396
461.545
31.154
3.394
3.862
9.440
502.127
456.140
28.331
4.940
4.154
8.561
498.159
452.208
27.855
5.127
4.157
8.812
497.546
449.952
29.281
4.394
4.814
9.105
505.360
459.355
27.996
4.330
4.917
8.761
501.951
457.693
25.796
4.757
4.445
9.260
510.840
466.123
26.803
4.978
3.648
9.288
518.445
471.129
29.319
4.927
3.573
9.496
519.464
474.917
26.482
4.928
3.340
9.796
532.020
484.176
29.102
5.269
3.372
10.101
6.193
2,96
8.934
3,22
11.629
3,69
10.635
2,61
12.666
2,43
14.298
2,73
15.790
3,09
16.697
3,28
17.656
3,52
18.096
3,63
18.313
3,68
18.008
3,56
18.462
3,68
17.914
3,51
17.996
3,47
18.065
3,48
18.742
3,52
39
40
Tabel 1.37 Aktiva Produktif BUSN Non Devisa (Earning Assets of Non-Foreign Exchange Commercial Banks)
Des
Des
Des
Des
2004 2005 2006 2007

a. Lancar (Current)
e. Macet (Lost)
Kredit
a. Lancar (Current)
e. Macet (Lost)
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun1
Jul
Ags
Sep
Okt
Nov
19.735
18.518
600
214
53
351
18.404
17.069
688
154
83
411
26.141
24.650
867
122
94
409
34.610
33.177
935
75
65
357
35.443
33.763
1.065
194
111
310
37.729
36.296
964
145
116
208
37.738
36.177
1.111
99
127
223
40.047
38.149
1.333
126
122
317
38.370
36.724
1.070
143
103
330
38.579
36.821
1.175
126
119
338
39.624
37.970
1.014
173
126
342
41.614
39.825
1.126
158
119
386
42.778
40.896
1.138
219
96
428
44.052
41.836
1.363
250
131
472
44.596
42.469
1.309
209
198
412
46.090
44.108
1.185
181
168
448
46.770
44.447
1.472
232
167
452
618
3,13
647
3,52
625
2,39
497
1,44
614
1,73
468
1,24
449
1,19
565
1,41
576
1,50
583
1,51
640
1,62
663
1,59
744
1,74
854
1,94
818
1,84
798
1,73
851
1,82
15.101
13.891
600
214
49
348
16.842
15.323
787
167
95
469
19.114
17.653
867
122
93
379
23.863
22.468
935
75
65
320
27.072
25.394
1.065
193
110
309
27.122
25.690
964
145
116
207
26.918
25.358
1.111
99
127
223
28.374
26.477
1.332
126
122
317
26.261
24.615
1.070
143
103
330
26.683
24.925
1.175
126
119
338
27.308
25.654
1.014
173
126
342
28.323
26.533
1.126
157
119
386
30.069
28.187
1.138
219
96
428
31.306
29.099
1.363
240
131
472
31.917
29.799
1.309
199
198
412
33.057
31.085
1.185
171
168
448
34.165
31.852
1.472
222
167
452
611
4,05
732
4,34
594
3,11
460
1,93
613
2,27
468
1,73
449
1,67
565
1,99
576
2,19
583
2,19
640
2,34
663
2,34
744
2,47
843
2,69
808
2,53
788
2,38
841
2,46
Tabel 1.38 Aktiva Produktif BPD (Earning Assets of Regional Development Banks)
Des
Des
Des
Des
2004 2005 2006 2007

a. Lancar (Current)
e. Macet (Lost)
Kredit
a. Lancar (Current)
e. Macet (Lost)
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun1
Jul
Ags
Sep
Okt
Nov
66.255
65.086
519
193
144
313
85.078
83.286
943
140
122
587
131.845
129.815
1.121
160
141
609
140.981
138.560
1.195
178
174
874
176.847
172.871
2.197
279
154
1.345
166.823
163.857
1.581
168
143
1.075
165.347
161.328
2.460
217
223
1.119
172.319
167.925
2.777
210
152
1.254
178.498
174.098
2.557
396
161
1.285
184.429
180.079
2.327
474
244
1.304
184.771
179.886
2.816
414
313
1.343
184.553
179.729
2.675
315
396
1.438
185.964
180.923
2.785
369
388
1.499
189.928
184.211
3.380
356
383
1.598
188.922
183.397
3.101
378
410
1.636
191.206
185.647
3.078
339
466
1.676
185.597
179.824
3.233
422
393
1.725
650
0,98
849
1,00
909
0,69
1.227
0,87
1.779
1,01
1.385
0,83
1.559
0,94
1.616
0,94
1.842
1,03
2.022
1,10
2.069
1,12
2.149
1,16
2.256
1,21
2.337
1,23
2.424
1,28
2.481
1,30
2.541
1,37
37.232
36.066
519
193
144
310
44.931
43.147
949
139
122
573
55.955
53.942
1.121
155
140
598
71.881
69.477
1.194
172
174
864
97.497
93.551
2.194
272
153
1.327
96.385
93.449
1.579
160
142
1.056
96.371
92.381
2.458
209
222
1.100
98.443
94.193
2.662
202
151
1.234
100.880
96.624
2.554
279
161
1.262
103.949
99.743
2.322
366
244
1.274
107.325
102.593
2.797
310
312
1.313
111.057
106.371
2.670
308
300
1.408
113.797
108.898
2.781
359
294
1.464
117.396
111.827
3.372
348
286
1.563
119.667
114.284
3.094
374
317
1.598
121.874
116.455
3.071
335
376
1.637
123.260
117.641
3.210
418
305
1.687
647
1,74
834
1,86
892
1,59
1.209
1,68
1.752
1,80
1.358
1,41
1.532
1,59
1.587
1,61
1.702
1,69
1.884
1,81
1.934
1,80
2.015
1,81
2.118
1,86
2.198
1,87
2.289
1,91
2.348
1,93
2.410
1,95
41
42
Tabel 1.39 Aktiva Produktif Bank Campuran (Earning Assets of Joint Venture Banks)
Des
Des
Des
Des
2004 2005 2006 2007

a. Lancar (Current)
e. Macet (Lost)
Kredit
a. Lancar (Current)
e. Macet (Lost)
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun1
Jul
Ags
Sep
Okt
Nov
54.647
47.000
4.737
1.436
365
1.109
63.588
58.153
3.751
561
296
827
68.277
62.684
3.788
1.158
214
432
94.740
89.164
4.150
700
234
491
140.693
134.032
4.790
686
223
962
125.190
119.252
4.323
790
233
592
125.455
119.058
4.627
902
217
652
132.332
125.250
5.339
838
231
675
142.649
134.229
5.777
1.367
194
1.082
138.646
130.529
5.476
1.351
234
1.056
137.286
129.871
4.748
1.237
355
1.075
136.105
128.928
4.317
1.257
450
1.153
133.426
126.490
4.093
1.043
666
1.135
136.278
129.440
4.328
697
673
1.140
133.338
127.005
3.918
622
581
1.212
137.778
131.360
4.059
600
598
1.161
137.788
131.566
3.657
869
537
1.159
2.910
5,33
1.684
2,65
1.804
2,64
1.425
1,50
1.871
1,33
1.615
1,29
1.771
1,41
1.743
1,32
2.643
1,85
2.640
1,90
2.667
1,94
2.860
2,10
2.844
2,13
2.510
1,84
2.415
1,81
2.359
1,71
2.566
1,86
30.914
24.750
4.199
641
346
978
36.937
32.099
3.392
371
277
797
40.833
36.100
3.259
835
209
430
58.520
54.044
3.550
218
228
481
87.638
81.858
4.053
558
218
951
75.849
70.679
3.630
726
228
587
76.503
70.892
3.910
845
208
647
77.618
71.820
4.126
784
218
670
85.471
78.740
4.448
1.023
185
1.075
81.120
74.551
4.287
1.014
225
1.044
80.250
73.736
4.004
1.130
319
1.061
78.761
72.425
3.596
1.211
410
1.118
77.534
71.468
3.337
996
626
1.107
79.506
73.454
3.612
690
631
1.119
78.930
72.997
3.597
618
542
1.176
81.288
75.393
3.619
591
561
1.123
80.303
74.616
3.182
860
500
1.145
1.965
6,36
1.446
3,91
1.474
3,61
926
1,58
1.728
1,97
1.540
2,03
1.700
2,22
1.672
2,15
2.283
2,67
2.282
2,81
2.510
3,13
2.739
3,48
2.729
3,52
2.440
3,07
2.336
2,96
2.276
2,80
2.505
3,12
Tabel 1.40 Aktiva Produktif Bank Asing (Earning Assets of Foreign Owned Banks)
Des
Des
Des
Des
2008
2009
2004 2005 2006 2007
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun1
Jul
Ags
Sep
Okt
Nov
104.885
95.427
6.506
1.011
375
1.565
133.870
120.465
9.732
1.842
305
1.525
161.035
149.174
8.784
1.026
405
1.647
197.690
184.305
8.549
1.157
380
3.300
300.686
281.784
11.428
2.440
451
4.583
267.897
248.037
10.059
4.766
455
4.580
277.243
255.681
11.087
5.274
471
4.730
285.615
265.308
11.373
4.185
478
4.270
274.470
256.766
10.163
2.640
1.870
3.031
253.971
236.408
9.888
2.663
1.959
3.053
245.267
228.570
8.809
2.917
1.924
3.048
249.867
233.651
8.625
2.562
1.890
3.139
243.955
227.327
8.567
2.876
1.730
3.455
244.772
228.040
8.464
2.992
1.727
3.549
244.161
227.244
8.506
2.902
1.802
3.706
241.682
225.589
7.994
2.698
1.585
3.817
242.124
225.332
8.411
2.811
1.621
3.950

2.951
2,81
3.672
2,74
3.077
1,91
4.837
2,45
7.474
2,49
9.801
3,66
10.475
3,78
8.933
3,13
7.541
2,75
7.675
3,02
7.889
3,22
7.591
3,04
8.061
3,30
8.269
3,38
8.410
3,44
8.100
3,35
8.382
3,46
Kredit
a. Lancar (Current)
e. Macet (Lost)
44.193
36.132
5.413
812
361
1.475
62.935
51.871
8.234
1.080
297
1.453
73.230
62.991
7.575
628
389
1.647
83.856
72.166
7.301
727
369
3.292
122.821
107.134
8.787
1.917
418
4.566
113.372
98.403
8.355
1.659
422
4.533
115.499
99.702
8.910
1.773
433
4.680
116.522
101.146
8.825
1.883
456
4.213
110.054
96.590
8.236
1.681
575
2.973
103.240
89.789
7.986
1.792
676
2.998
101.785
89.293
7.005
1.933
582
2.971
99.657
87.625
6.659
1.685
609
3.080
102.040
89.663
6.779
1.828
472
3.298
103.018
90.637
6.602
1.893
468
3.418
99.005
86.237
6.813
1.941
440
3.573
97.796
85.536
6.319
1.698
552
3.691
96.581
83.523
6.867
1.794
580
3.816

2.648
5,99
2.830
4,50
2.664
3,64
4.389
5,23
6.901
5,62
6.614
5,83
6.887
5,96
6.552
5,62
5.228
4,75
5.466
5,29
5.486
5,39
5.373
5,39
5.598
5,49
5.780
5,61
5.954
6,01
5.941
6,07
6.190
6,41

a. Lancar (Current)
e. Macet (Lost)
43
44
Tabel 1.41 Pengelompokkan Bank Berdasarkan Rasio NPL (Bank Category Based on NPL Ratio)
Desember 2004
Desember 2005
Desember 2006
Desember 2007
November 2008
Desember 2008
November 2009
NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5% NPL <=5% NPL >5%
29
27
25
10
30
29
30
27
34
30
27
29
29
30
26
21
24
25
25
24
24
23
12
10
15
13
13
13
10
99
35
101
30
100
30
108
22
103
23
105
19
98
23

Total
Tabel 1.42 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi
(Non Performing Loan of Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
1. Pertanian, perburuan dan sarana pertanian
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
2.158
3.188
3.165
2.121
1.973
1.857
2.120
2.405
2.661
2.971
3.330
3.170
3.075
3.000
2.768
2.797
2.856
172
1.192
1.101
737
881
911
988
1.050
759
739
512
570
566
587
583
709
672
(Agriculture, hunting and agricultural facilities)

2. Pertambangan (Mining)
3. Perindustrian (Manufacturing)
12.548
26.734
19.383
14.593
17.397
14.674
15.375
16.488
19.372
19.309
19.392
18.303
18.573
18.294
15.552
15.082
15.181
4. Listrik, gas dan air (Water, gas and electricity)
306
390
266
96
33
22
22
20
18
19
19
19
14
14
17
17
5. Konstruksi (Construction)
851
2.860
1.698
1.642
2.285
1.856
2.920
3.097
3.078
3.175
3.203
3.033
3.223
3.127
3.145
3.401
3.170
5.343
7.433
10.200
8.940
9.088
8.040
9.217
9.281
10.183
10.689
11.522
11.693
12.271
12.485
12.729
13.535
13.842
1.629
1.971
2.131
841
1.577
1.565
1.677
1.910
1.503
1.678
1.628
1.516
1.601
1.632
1.786
1.818
1.955
2.251
3.378
3.057
2.798
2.709
3.226
3.458
3.692
3.654
3.646
3.728
3.769
3.929
3.840
3.797
3.854
4.215
6. Perdagangan, restoran dan hotel

(Trade, restaurants and hotels)
7. Pengangkutan, pergudangan dan komunikasi
(Transport, cargo storage and communications)
8.Jasa Dunia usaha (Business Services)
9.Jasa sosial/masyarakat (Social Services)
10. Lain-lain (Others)
442
739
393
263
390
291
346
358
726
629
654
680
817
828
863
868
879
3.484
4.704
6.663
8.735
9.861
9.430
10.172
10.139
9.379
9.833
10.100
9.886
10.255
10.528
10.733
10.874
10.628
45
46
Tabel 1.43 Non Performing Loan Bank Persero Berdasarkan Sektor Ekonomi
(Non Performing Loan of State Owned Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
1.Pertanian, perburuan dan sarana pertanian
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov

1.651
2.177
2.004
1.133
896
2009
Des
855
Jan
934
Feb
Mar
1.045
1.181
Apr
1.309
Mei
Jun
1.411
1.367
Jul
1.294
Ags
Sep
1.383
1.467
Okt
1.529
Nov
1.524

27
669
923
346
480
367
377
390
101
101
105
144
146
150
135
178
76
7.273
21.458
14.042
10.301
10.633
7.950
8.408
9.019
11.209
10.990
11.063
9.961
9.924
10.004
7.071
7.368
7.127
170
261
78
17
15
16
17
15
13
13
13
12
12
566
2.463
1.221
1.027
1.193
919
1.439
1.510
1.400
1.449
1.429
1.389
1.470
1.528
1.557
1.561
1.653
2.975
5.354
7.101
5.576
5.195
3.900
4.592
4.981
5.230
5.451
5.903
6.025
6.566
6.731
6.986
7.439
7.213
748
1.205
961
373
443
473
519
486
450
568
557
478
517
558
556
537
614
574
1.814
1.577
1.216
669
476
599
621
734
753
829
801
848
737
726
809
793
337
588
230
41
87
66
71
68
65
65
75
69
199
206
217
236
264
1.540
1.914
2.484
3.055
2.920
2.574
2.983
3.232
3.500
3.675
3.818
3.585
3.703
3.857
3.864
3.870
3.451
Tabel 1.44 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi
(Non Performing Loan of Foreign Exchange Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
232
727
952
730
732
756
930
1.096
1.178
1.352
1.379
1.455
1.453
1.276
957
945
1.040
96
128
106
131
74
249
274
303
312
324
102
84
82
96
121
214
213
1.919
2.720
3.384
2.654
3.127
3.392
3.645
3.812
4.567
4.518
4.636
4.454
4.656
4.531
4.706
4.171
4.230
303
220
17
16
76
212
311
404
641
626
1.145
1.164
1.221
1.234
1.257
1.110
1.165
975
968
1.191
822
1.606
1.434
2.499
2.653
2.978
3.405
3.596
3.474
4.007
4.155
4.390
4.422
4.412
4.416
4.391
4.720
5.191
808
728
808
431
736
1.047
1.113
1.359
665
683
673
644
690
654
847
881
800
1.321
1.267
1.321
1.379
1.711
2.328
2.468
2.625
2.417
2.540
2.490
2.476
2.534
2.546
2.528
2.481
2.940
63
106
122
177
267
188
231
243
609
504
514
548
546
546
529
518
507
867
1.392
2.125
2.058
2.384
2.301
2.382
2.620
2.678
2.786
2.870
2.821
2.922
2.872
2.947
2.943
2.998

47
48
Tabel 1.45 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi
(Non Performing Loan of Non-Foreign Exchange Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
1 .Pertanian, perburuan dan sarana pertanian
Des
Des
Des
2008
Des
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
50
57
13
131
78
65
67
56
37
38
43
43
43
48
63
62
65
59
40
82

44
34
41
22
20
20
26
26
27
32
31
33
51
36
34
36
113
183
149
151
187
134
142
156
147
147
133
139
168
179
193
172
187
23
19
16
12
26
12
13
33
41
42
41
39
39
53
27
29
43
8 .Jasa Dunia usaha (Business Services)
49
103
67
72
120
93
57
100
119
126
177
188
225
225
230
239
216
9 .Jasa sosial/masyarakat (Social Services)
10
25
25
14
16
19
17
22
22
22
27
25
29
31
33
28
31
175
231
219
129
186
151
161
181
174
171
175
171
178
223
221
237
239

Tabel 1.46 Non Performing Loan BPD Berdasarkan Sektor Ekonomi

(Non Performing Loan of Development Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
2008
Des
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
84
97
108
145
193
188
197
205
217
228
228
251
230
237
240
227
245
33
19
26
34
107
87
85
86
85
91
93
98
98
111
128
116
114

140
130
105
191
401
266
290
371
403
436
456
470
532
558
570
600
635
282
278
285
407
519
423
458
484
499
558
592
626
648
665
728
739
762
30
19
36
21
56
22
22
22
23
54
27
30
30
37
33
47
37
97
98
65
100
120
86
93
97
105
109
116
186
199
203
158
169
163
14
20
16
19
16
14
14
13
16
15
14
14
20
22
64
64
55
133
172
245
287
334
268
368
305
349
385
401
334
354
359
360
373
388

49
50
Tabel 1.47 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi
(Non Performing Loan of Joint Venture Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
2008
Des
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
142
94
28
67
85
53
53
53
62
60
306
90
89
89
94
87
39
50
49
48
46
44
125
1.485
1.067
838
593
931
953
1.090
1.046
1.180
1.317
1.218
1.599
1.594
1.279
1.179
1.117
1.346

26
14
13
13
14
14
17
16
23
10
12
270
154
137
94
163
124
126
121
228
218
284
284
282
301
279
287
306
20
309
312
319
327
325
321
321
324
318
318
314
172
52
19
38
197
192
199
226
66
64
65
69
72
96
92
37
10
19
19
20
20
19
17
17
18
94
78
141
153
185
194
211
225
243
257
278
288
296
304
305
310
308

Tabel 1.48 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi
(Non Performing Loan of Foreign Owned Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
2008
Des
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
38
65
41
66
21
17
888
1.927
64
252
322
291
334
353
340
309
300
287
284
289
277
264
249
1.707
1.392
1.028
943
2.543
2.255
2.109
2.481
2.286
2.350
2.334
2.128
2.240
2.303
2.409
2.270
2.281

20
19
11
13
12
13
14
13
12
12
12
12
12
12
12
12
97
30
29
59
46
55
304
65
71
160
220
196
195
193
151
178
183
147
39
44
24
51
46
48
49
53
52
51
53
54
57
60
64
67
16
676
916
1.450
3.053
3.852
3.942
4.066
3.576
2.435
2.558
2.559
2.687
2.802
2.914
3.034
3.141
3.245

51
52
Tabel 1.49 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi Per Wilayah (November 2009)
(Non Performing Loan of Commercial Banks Based on Economic Sector by Region)
Wilayah
Pertanian,
perburuan dan
sarana
pertanian
(Agriculture,
hunting and
agricultural
facilities)
Pertambangan
Perindustrian
(Mining)
(Manufacturing)
Listrik, gas dan

air (Water, gas
and electricity)
Konstruksi
(Construction)
Perdagangan,
restoran dan
hotel (Trade,
restaurants and
hotels)
Pengangkutan,
pergudangan
dan komunikasi
Jasa Dunia
(Transport,
usaha (Business
cargo storage
Services)
and communications)
Jasa sosial/
masyarakat
(Social Services)
Lain-lain
(Others)
Jawa Barat (West Java)

Banten
DKI Jakarta (Special Capital Province of Jakarta)
D.I Yogyakarta (Special Province of Yogyakarta)
Jawa Tengah (Central Java)
Jawa Timur (East Java)
Bengkulu
Jambi
Nanggroe Aceh Darussalam
Sumatera Utara (North Sumatra)
Sumatera Barat (West Sumatra)
Riau
Kepulauan Riau
Sumatera Selatan (South Sumatra)
Bangka Belitung
Lampung
Kalimantan Selatan (South Kalimantan)
Kalimantan Barat (West Kalimantan)
Kalimantan Timur (East Kalimantan)
Kalimantan Tengah (Central Kalimantan)
Sulawesi Tengah (Central Sulawesi)
Sulawesi Selatan (South Sulawesi)
Sulawesi Utara (North Sulawesi)
Sulawesi Tenggara (Southeast Sulawesi)
Sulawesi Barat (West Sulawesi)
Gorontalo
Nusa Tenggara Barat (West Nusa Tenggara)
Bali
Nusa Tenggara Timur (East Nusa Tenggara)
Maluku
Papua
Maluku Utara (North Maluku)
Irian Jaya Barat
Lainnya (Others)
98
8
1.227
7
50
231
17
116
25
400
131
136
85
2
0
81
8
77
15
3
33
33
28
5
3
4
17
7
2
1
3
4
0
-
18
4
568
0
1
5
0
0
1
11
1
0
1
7
39
5
0
7
0
0
1
0
2
-
577
99
10.207
92
700
1.689
1
33
31
880
5
68
22
33
1
45
179
7
5
1
43
264
1
0
4
15
7
15
4
1
0
2
0
150
0
3
0
0
0
0
0
0
1
0
8
4
0
-
256
95
1.274
15
35
69
16
9
67
368
7
30
100
13
1
28
82
21
253
21
28
125
23
38
4
21
7
61
15
25
49
6
5
-
1.129
347
5.751
122
969
1.418
47
99
177
639
153
226
239
106
86
293
121
67
134
32
261
453
147
37
47
53
117
311
63
25
33
34
13
93
20
5
1.457
6
19
125
1
1
3
61
9
16
5
53
0
11
73
0
45
0
1
23
4
1
5
1
5
3
2
2
0
0
-
484
52
2.595
7
61
146
4
9
30
177
12
60
45
37
1
19
19
14
96
4
12
84
14
1
1
21
1
79
5
1
12
0
6
106
93
12
638
1
8
25
0
1
11
19
4
2
1
1
0
1
2
17
1
0
1
5
2
0
1
0
1
29
2
0
1
0
0
-
1.058
409
6.072
98
377
608
14
59
56
364
58
157
82
100
6
64
65
47
148
19
64
291
121
8
22
26
39
84
33
18
40
13
8
-
Total
2.856
672
15.181
17
3.170
13.842
1.955
4.215
879
10.628
Tabel 1.50 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan
(Non Performing Loan of Commercial Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Modal Kerja (Working Capital)

Properti (Property)
Agrobisnis (Agro-business)
Lainnya (Others)
150
406
13.903
287
1.051
26.181
208
800
24.971
233
391
19.267
403
344
23.889
291
400
22.261
346
448
24.567
356
448
25.733
342
521
29.912
379
551
30.151
429
563
30.843
484
592
30.378
507
632
31.057
461
618
31.199
451
606
29.142
451
624
29.258
516
579
30.539
Total Modal Kerja (Total Working Capital)
14.459
27.519
25.979
19.892
24.637
22.953
25.361
26.537
30.775
31.081
31.835
31.453
32.196
32.278
30.200
30.333
31.634
Investasi (Investment)
Properti (Property)
Lainnya (Others)
331
643
6.891
157
1.188
19.122
178
1.050
14.281
134
959
11.137
251
952
10.604
352
989
8.265
455
1.109
9.340
535
1.245
10.158
552
1.255
9.583
688
1.421
9.894
714
1.500
10.178
547
1.479
9.502
578
1.425
10.099
631
1.544
9.611
633
1.291
9.352
559
1.290
10.128
931
1.355
9.079
Total Investasi (Total Investment)
7.866
20.467
15.509
12.230
11.807
9.607
10.904
11.937
11.390
12.004
12.392
11.528
12.102
11.785
11.277
11.978
11.365
465
699
1.206
1.300
1.580
1.443
1.660
1.732
1.760
1.821
1.831
1.785
1.816
1.864
1.879
1.868
1.853
272
504
1.047
1.104
1.136
1.094
1.160
1.264
1.310
1.349
1.391
1.391
1.492
1.557
1.615
1.640
1.523
Konsumsi (Consumption)
KPR dan Apartemen s.d Tipe 70
(Housing and Apartement up to Type 70)
KPRdan Apartemen > Tipe 70
(Housing and Apartement > Type 70)
Ruko dan Rukan
(Shop houses and Shop-offices)
Lainnya (Others)
48
53
128
163
171
161
170
187
204
215
233
257
268
272
257
273
239
2.065
3.347
4.187
6.077
6.863
6.614
7.040
6.785
5.892
6.218
6.406
6.225
6.444
6.579
6.743
6.864
6.803
Total Konsumsi (Total Consumption)
2.850
4.603
6.569
8.645
9.750
9.313
10.030
9.967
9.167
9.602
9.861
9.658
10.019
10.271
10.494
10.645
10.417
53
54
Tabel 1.51 Non Performing Loan Bank Persero Berdasarkan Jenis Penggunaan
(Non Performing Loan of State Owned Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
31
266
8.270
121
937
19.305
118
623
17.127
142
311
11.499
262
274
12.504
181
294
10.554
205
311
12.105
186
316
12.924
185
318
15.238
203
359
15.465
237
358
16.062
254
382
15.126
271
360
15.526
270
347
15.862
269
362
13.682
294
353
14.248
357
335
14.236
8.567
20.363
17.868
11.951
13.041
11.028
12.622
13.427
15.740
16.026
16.656
15.763
16.157
16.478
14.314
14.895
14.928
Properti (Property)
Lainnya (Others)
1
445
2.975
16
591
15.024
47
441
10.047
13
421
7.787
118
399
6.150
112
429
3.551
230
437
3.790
309
572
3.984
306
634
3.895
298
655
3.932
295
688
3.963
287
666
3.736
287
617
4.109
292
732
4.028
289
737
3.590
289
742
3.934
267
745
3.515
3.421
15.630
10.535
8.221
6.667
4.092
4.457
4.865
4.835
4.884
4.946
4.690
5.013
5.052
4.617
4.966
4.527
337
519
965
1.085
1.343
1.231
1.443
1.506
1.539
1.591
1.590
1.550
1.574
1.619
1.617
1.611
1.583
23
65
188
238
224
204
242
290
315
326
357
373
433
480
481
506
412
17
14
28
38
51
48
50
56
67
74
76
78
82
84
85
88
60
748
1.222
1.219
1.615
1.208
990
1.124
1.224
1.390
1.474
1.578
1.379
1.407
1.447
1.473
1.473
1.216
1.124
1.820
2.400
2.976
2.826
2.474
2.859
3.077
3.311
3.465
3.602
3.380
3.497
3.630
3.656
3.678
3.272
Ruko dan Rukan
Lainnya (Others)
Tabel 1.52 Non Performing Loan BUSN Devisa Berdasarkan Jenis Penggunaan
(Non Performing Loan of Foreign Exchange Commercial Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
55
82
2.063
132
76
3.238
79
173
5.133
87
75
5.149
122
65
6.112
106
95
7.311
137
123
7.816
144
124
7.918
143
148
9.726
145
139
9.634
159
137
9.683
181
138
9.925
188
197
9.926
144
196
9.848
156
162
9.953
132
187
9.624
132
191
10.587
2.200
3.446
5.385
5.311
6.298
7.512
8.076
8.186
10.017
9.918
9.978
10.244
10.311
10.188
10.270
9.943
10.910
Properti (Property)
Lainnya (Others)
197
47
3.064
81
497
3.521
87
545
3.494
108
518
2.647
110
531
3.352
219
530
3.747
222
642
4.479
220
642
5.041
223
589
4.166
384
733
4.290
367
779
4.337
204
779
3.989
232
774
4.248
274
774
3.831
251
518
4.035
178
512
4.516
575
575
3.711
3.308
4.099
4.127
3.274
3.993
4.496
5.343
5.903
4.978
5.407
5.483
4.971
5.254
4.879
4.804
5.207
4.861
69
112
178
187
198
175
179
183
183
188
192
191
194
196
210
205
207
231
418
840
826
858
837
873
918
931
958
968
940
979
997
1.049
1.045
1.028
28
38
98
120
116
110
117
128
132
133
149
158
160
162
146
158
154
356
820
1.002
917
1.203
1.168
1.202
1.379
1.415
1.492
1.543
1.513
1.564
1.492
1.516
1.507
1.581
686
1.388
2.118
2.050
2.375
2.290
2.371
2.608
2.661
2.771
2.852
2.801
2.898
2.847
2.922
2.915
2.971
Ruko dan Rukan
Lainnya (Others)
55
56
Tabel 1.53 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan
(Non Performing Loan of Non Foreign Exchange Commercial Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
30
51
292
7
33
391
6
1
309
277
1
328
1
6
241
1
6
232
21
1
265
5
4
252
20
1
264
20
1
261
20
1
285
21
4
348
22
5
388
2
4
369
2
3
327
2
2
367
372
431
316
277
329
248
239
286
260
286
283
306
372
415
375
333
371
Properti (Property)
Lainnya (Others)
3
45
4
66
3
57
55
8
91
8
61
49
2
1
94
20
1
121
3
3
121
49
2
132
49
3
134
50
4
141
53
6
147
53
4
155
53
4
161
50
3
178
48
70
60
55
99
69
49
97
142
126
183
186
194
205
212
217
232
44
50
48
17
17
16
17
15
16
16
14
13
14
14
14
15
13
17
13
21
26
27
21
28
29
27
28
40
42
41
46
49
42
Ruko dan Rukan
Lainnya (Others)
16
20
20
20
20
19
133
163
157
96
141
106
122
135
129
126
130
101
102
149
142
155
162
190
230
219
129
186
151
160
181
174
171
175
171
177
223
221
237
239
Tabel 1.54 Non Performing Loan BPD Berdasarkan Jenis Penggunaan

(Non Performing Loan of Regional Development Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
10
1
348
7
5
408
3
3
440
3
3
664
18
5
1.009
4
5
767
3
7
819
4
7
937
3
10
983
4
10
1.091
5
10
1.136
16
11
1.236
20
11
1.328
20
11
1.390
22
20
1.460
21
20
1.516
23
21
1.568
359
421
446
670
1.033
776
829
949
996
1.105
1.152
1.262
1.358
1.421
1.502
1.557
1.612
Properti (Property)
Lainnya (Others)
1
17
162
1
20
223
1
25
178
21
235
2
22
369
2
30
287
4
30
306
4
30
305
3
30
330
3
31
366
3
31
352
7
31
385
7
31
374
8
31
384
9
31
391
7
31
388
10
31
373
180
244
204
256
393
320
341
338
363
399
387
422
411
423
431
426
414
15
18
15
18
22
19
20
24
23
24
31
28
31
32
35
35
44
10
11
13
12
13
12
12
14
15
14
89
149
224
259
295
234
333
264
308
342
351
288
303
307
304
311
321
108
169
242
284
327
262
362
300
343
380
396
331
348
354
355
365
383
Ruko dan Rukan
Lainnya (Others)
57
58
Tabel 1.55 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan
(Non Performing Loan of Joint Venture Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
2008
Des
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
18
7
1.250
19
989
877
3
654
1.069
1.148
1.255
1.220
6
43
1.404
7
43
1.387
7
57
1.369
8
60
1.724
7
61
1.719
6
59
1.475
1
59
1.368
2
60
1.325
2
29
1.398
1.276
1.008
877
657
1.069
1.148
1.255
1.220
1.453
1.437
1.433
1.792
1.786
1.540
1.428
1.388
1.428
Properti (Property)
Lainnya (Others)
130
134
381
56
80
223
39
39
378
12
104
12
461
11
187
234
226
0
0
586
0
588
0
0
799
0
0
659
3
0
643
3
1
592
32
1
570
32
1
546
29
0
740
645
359
456
116
473
198
234
226
587
588
799
660
646
596
602
578
769
11
17
16
16
16
23
23
24
24
24
25
24
24
24
Ruko dan Rukan
Lainnya (Others)
45
78
138
141
168
177
195
208
216
228
247
259
267
272
275
279
279
45
78
141
153
185
194
211
225
243
257
278
288
296
304
305
310
308
Tabel 1.56 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan
(Non Performing Loan of Foreign Owned Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
6
1.680
1.849
3
1.085
3
1.024
2.867
2.240
2.341
2.468
2.308
2.309
2.333
4
2.082
2.211
2.236
2.310
2.217
2.384
1.686
1.850
1.088
1.027
2.867
2.240
2.341
2.468
2.308
2.309
2.333
2.087
2.211
2.236
2.310
2.217
2.384
Properti (Property)
Lainnya (Others)
264
65
127
309
182
432
480
507
485
598
595
599
585
630
610
583
562
264
65
127
309
182
432
480
507
485
598
595
599
585
630
610
583
562
Ruko dan Rukan
Lainnya (Others)
694
914
1.447
3.049
3.849
3.940
4.065
3.575
2.434
2.556
2.557
2.685
2.800
2.912
3.033
3.139
3.242
697
916
1.450
3.053
3.852
3.942
4.066
3.576
2.435
2.558
2.559
2.687
2.802
2.914
3.034
3.141
3.245
59
60
Tabel 1.57 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan Per Wilayah (November 2009)
(Non Performing Loan of Commercial Banks Based on Type of Use by Region)
Investasi
Modal Kerja
Agrobisnis
(Agrobusiness)
KPR dan
Apartemen
s.d Tipe 70
(Housing and
Apartement
up to Type 70)
Konsumsi
KPR dan
Ruko dan
Apartemen
Rukan
> Tipe 70
houses
(Housing and (Shop
and ShopApartement >
offices)
Type 70)
Properti
(Property)
Agrobisnis
(Agrobusiness)

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Sulawesi Barat (West Sulawesi) 1
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat
Lainnya (Others)
38
13
212
5
5
15
7
5
4
18
1
10
14
4
23
45
1
9
0
3
47
5
0
2
0
2
0
6
19
13
1
236
3
36
87
1
1
2
141
8
4
7
0
0
2
6
0
0
1
2
10
5
1
0
1
3
2
1
0
3
-
2.071
504
15.948
212
1.665
3.171
59
198
271
1.596
217
310
370
77
90
422
297
82
421
44
346
777
180
72
44
82
138
270
86
50
78
38
22
330
95
33
651
2
9
21
0
1
6
11
0
6
4
1
0
0
20
15
0
1
5
1
0
2
2
0
42
0
1
0
1
-
4
1
794
1
1
36
0
46
1
243
31
82
34
0
0
0
1
75
0
0
0
1
1
0
0
0
0
0
0
0
0
0
0
-
480
77
5.881
36
161
423
19
20
63
559
70
127
74
163
6
40
159
34
127
17
40
158
34
8
18
33
13
195
11
8
15
6
2
-
539
201
321
17
81
130
3
29
7
48
16
76
28
66
2
20
22
13
35
5
10
81
41
0
6
3
3
36
3
0
6
0
1
-
182
40
723
29
81
136
1
11
4
90
7
22
13
11
2
13
16
13
38
3
2
40
16
2
2
4
1
16
1
1
1
0
0
-
13
3
111
2
6
15
0
1
3
23
2
3
4
6
1
3
6
7
0
1
17
7
1
0
0
0
3
0
-
297
163
4.912
40
173
282
9
14
38
190
30
53
33
15
3
28
20
11
65
10
48
143
50
5
10
16
33
28
25
14
29
12
6
-
Total
516
579
30.539
931
1.355
9.079
1.853
1.523
239
6.803
Wilayah
Lainnya
(Others)
Properti
(Property)
Lainnya
(Others)
Lainnya
(Others)
Tabel 1.58 Non Performing Loan Berdasarkan Lokasi Bank Penyalur Kredit
(Non Performing Loan of Commercial Banks Based on Location of Bank)
Lokasi (Location)
Des Des
Des Des
2004 2005 2006 2007

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau 1
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat 1
Lainnya (Others)
2008
Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.395 2.603 2.589 2.672 3.528 3.345 3.538 3.757 3.790 3.856 4.032 4.016 4.221 4.228 4.092 4.091 3.733
244
375
656
715
916
605
716
784
855
860
837
907
920
954 1.040 1.063 1.035
17.715 32.432 26.535 20.907 26.343 25.773 28.312 29.104 29.925 30.297 30.596 30.150 30.749 30.767 28.503 29.029 29.789
62
152
244
391
418
181
197
202
232
305
328
336
358
378
389
361
347
495 1.669 2.332 1.706 1.854 1.742 1.888 1.985 2.704 2.793 2.910 2.578 2.622 2.479 2.266 2.296 2.219
2.105 3.737 4.796 4.065 3.410 2.771 2.995 3.045 3.771 3.787 4.076 3.937 4.078 4.092 3.961 4.235 4.316
29
44
64
73
61
65
67
74
77
93
89
90
93
96
93
92
101
71
338
341
260
181
214
236
247
260
294
309
335
348
352
330
325
327
57
104
55
88
246
177
208
222
233
258
312
299
329
366
361
401
399
784 3.265 3.836 3.308 2.190 1.799 1.985 2.273 2.296 2.504 2.727 2.497 2.705 2.611 2.631 2.592 2.918
160
281
301
289
253
244
259
271
281
303
308
311
327
330
368
369
383
257 1.493 1.002
444
550
438
511
565
578
630
633
614
634
636
652
670
695
231
304
312
364
403
455
493
521
539
556
566
593
593
580
133
236
199
208
315
276
289
297
309
299
319
298
291
350
350
348
344
9
24
31
33
30
26
101
104
106
110
113
108
112
109
107
107
103
77
128
186
272
448
439
723
791
867
949
978
810
650
579
562
605
550
74
701
511
379
571
433
463
475
496
485
494
483
490
518
616
626
588
120
205
178
207
211
202
229
282
270
376
441
430
427
389
256
263
250
147
316
410
490
612
450
477
503
526
578
597
567
608
634
685
651
702
29
77
48
43
62
47
83
81
60
67
74
70
68
74
78
76
80
46
148
243
290
288
262
297
307
353
381
396
386
394
410
459
480
454
453 1.820 1.815 1.683 1.596
716
856
907
945 1.002 1.041 1.000 1.360 1.376 1.367 1.411 1.278
132
205
245
250
317
257
300
311
353
347
374
365
354
372
368
377
340
55
119
93
81
77
93
78
80
104
95
86
87
89
93
94
92
89
73
70
45
65
68
68
68
76
78
85
77
85
82
83
19
47
51
117
131
105
108
121
130
132
148
146
147
149
152
148
146
47
65
71
139
160
141
150
156
159
165
163
164
166
180
195
195
191
147
272
465
409
345
245
259
348
385
391
420
363
456
441
559
592
591
188
210
59
65
88
75
81
84
89
92
99
105
105
120
115
114
127
21
33
34
30
54
47
48
53
59
63
63
64
71
72
78
77
74
32
43
55
72
128
72
75
82
87
124
105
109
115
140
142
143
141
6
7
16
19
51
47
48
49
51
51
56
49
52
57
54
62
60
15
21
22
25
32
33
46
52
37
40
39
40
37
32
67 1.441
598
743
363
205
264
379
425
394
318
312
300
303
329
352
348
61
62
Tabel 1.59 NPL Yang Penarikannya Menggunakan Kartu

(NPL Withdrawn by Credit Card)
Des Des Des Des
2008
2004 2005 2006 2007
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1. Bank Persero (State Owned Banks)
277
270
316
343
329
338
357
363
360
367
361
348
209
2. BUSN Devisa (Foreign Exchange Commercial Banks)
293
273
300
319
353
373
411
403
405
407
402
430
448
3. BUSN Non Devisa (Non-Foreign Exchange Commercial Banks)
4. BPD (Regional Development Banks)
5. Bank Campuran (Joint Venture Banks)
150
157
171
181
189
200
213
227
234
237
235
236
231
6. Bank Asing (Foreign Owned Banks)
2.468
2.505
2.560
2.386
1.601
1.677
1.668
1.737
1.808
1.879
1.956
2.016
2.088
7. Bank Umum (Commercial Bank)
3.188
3.205
3.347
3.229
2.472
2.588
2.650
2.730
2.807
2.890
2.954
3.030
2.977
Tabel 1.60 Non Performing Loan UMKM Menurut Kelompok Bank

(Non Performing Loan of Micro, Small & Medium and Based on Group Bank)
Des Des
Des Des
2004 2005 2006 2007

1. Bank Persero1)
2008
Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
11.001 11.774 11.406 10.904
Ags
Sep
11.207 11.519
Okt2)
Nov
8.178
9.395
7.812
9.034
9.766 10.537
12.040 11.401
1.130
1.530
1.195
1.364
1.358
1.487
1.597
1.666
1.690
1.788
1.810
1.854
1.919
1.974
6.942
7.665
7.440
7.830
8.148
8.406
8.796
9.017
8.737
9.021
8.942
9.140
8.937
9.027
1.331
2.207
2.356
2.484
2.205
1.904
1.912
1.890
2.198
2.169
2.154
2.279
2.367
2.392
17.581
20.796
18.803
20.712
21.477
22.334
23.305
24.347
24.030
23.883
24.113
24.792
25.263
24.795
(State Owned Banks))

2. Bank Pemerintah Daerah
(Regional Development Banks)
3. Bank Swasta Nasional1)
4. Bank Asing dan Campuran
(Joint Venture Banks and Foreign Owned Banks)
Jumlah
Ket: Data tersedia mulai posisi Januari 2007 (Data available on January 2007)
1)
Data Revisi Desember 2008
2)
Data Revisi Oktober 2009
63
64
Tabel 1.61 Non Performing Loan Rincian Kredit MKM Menurut Kelompok Bank
(NPL Details of Micro, Small & Medium Credit and by Group of Bank)
Kelompok Bank
(Category of Bank)
Des Des
2008
Des Des
2004 2005 2006 2007
Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt2)
Nov
1. Bank Persero (State Owned Banks)1)

Mikro
Kecil
Menengah
9.395
4.470
1.816
3.109
7.812
4.137
1.490
2.185
9.034
4.856
1.731
2.447
9.766
5.189
1.798
2.779
10.537
5.547
1.958
3.032
11.001
5.707
2.067
3.227
11.774
6.048
2.308
3.417
11.406
5.877
2.293
3.236
10.904
5.060
2.412
3.432
11.207
5.205
2.505
3.497
11.519
5.437
2.558
3.524
12.040
5.511
2.638
3.892
11.401
5.336
2.471
3.595

Mikro
Kecil
Menengah
1.530
588
627
315
1.195
494
482
219
1.364
591
542
231
1.358
548
573
238
1.487
612
598
278
1.597
635
635
327
1.666
636
664
366
1.690
581
715
393
1.788
622
705
460
1.810
619
746
445
1.854
625
763
467
1.919
632
775
512
1.974
621
826
528
3. Bank Swasta Nasional (Commercial Banks)1)

Mikro
Kecil
Menengah
7.665
1.985
2.314
3.366
7.440
1.829
2.313
3.299
7.830
1.993
2.305
3.531
8.148
2.129
2.369
3.651
8.406
2.144
2.401
3.862
8.796
2.506
2.438
3.852
9.017
2.377
2.535
4.105
8.737
2.240
2.482
4.015
9.021
2.229
2.639
4.153
8.942
2.106
2.707
4.128
9.140
2.153
2.722
4.266
8.937
2.362
2.484
4.091
9.027
2.321
2.577
4.128
4. Bank Asing dan Campuran (Foreign Owned

Banks and Joint Venture Banks)
Mikro
Kecil
Menengah
2.207
2.356
2.484
2.205
1.904
1.912
1.890
2.198
2.169
2.154
2.279
2.367
2.392
1.503
134
570
1.567
151
638
1.696
146
642
1.404
146
655
1.084
158
661
1.117
159
636
1.052
178
660
1.327
191
680
1.251
198
721
1.289
189
677
1.346
232
701
1.424
212
731
1.448
213
731
20.796
18.803
20.712
21.477
22.334
23.305
24.347
24.030
23.883
24.113
24.792
25.263
24.795
Jumlah
1)
Ket: Data Revisi Desember 2008

2)
Tabel 1.62 Non Performing Loan MKM Berdasarkan Jenis Penggunaan

(NPL of Micro, Small & Medium Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
11.601
176
268
11.157
10.393
171
271
9.951
11.602
181
290
11.131
12.218
205
289
11.724
13.024
201
324
12.499
13.366
215
342
12.809
14.083
239
344
13.501
14.199
264
373
13.562
13.705
285
362
13.057
13.892
275
347
13.271
14.325
263
362
13.700
14.579
276
355
13.947
14.358
322
310
13.726
Properti (Property)
Lainnya (Others)
2.830
52
520
2.258
2.365
70
518
1.777
2.514
80
528
1.906
2.636
91
532
2.014
2.724
100
535
2.089
3.030
106
557
2.368
3.159
113
592
2.454
3.029
168
595
2.267
3.129
175
609
2.345
3.010
178
595
2.237
3.094
182
595
2.317
3.220
181
587
2.452
3.125
206
586
2.333
Ruko dan Rukan
Lainnya (Others)
6.366
1.567
6.046
1.430
6.595
1.646
6.623
1.721
6.586
1.750
6.909
1.810
7.104
1.821
6.801
1.775
7.049
1.805
7.210
1.864
7.374
1.879
7.464
1.868
7.312
1.853
1.120
1.052
1.130
1.197
1.245
1.287
1.336
1.332
1.407
1.466
1.525
1.547
1.450
171
161
170
187
204
215
233
242
253
257
242
258
224
3.508
3.403
3.649
3.518
3.386
3.597
3.715
3.452
3.585
3.623
3.728
3.791
3.786
20.796
18.803
20.712
21.477
22.334
23.305
24.347
24.030
23.883
24.113
24.792
25.263
24.795
Jumlah
65
66
Tabel 1.63 Non Performing Loan MKM Berdasarkan Sektor Ekonomi

(NPL of Micro, Small & Medium Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
2008
Des
2004 2005 2006 2007 Nov

-
1.068
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.134
1.166
1.324
1.324
1.447
1.514
1.555
1.528
1.480
1.543
1.542
1.506

96
100
80
81
81
103
95
94
103
115
97
108
87
3.452
3.774
3.993
4.170
4.170
4.208
4.303
4.196
3.383
3.154
3.278
3.340
3.063
14
14
17
17
803
888
967
1.039
1.039
1.101
1.177
1.195
1.304
1.318
1.341
1.393
1.445
5.587
6.301
6.607
6.995
6.995
7.246
7.792
7.819
8.029
8.204
8.548
8.760
8.683
371
394
387
391
391
437
438
402
448
448
463
441
437
1.016
1.108
1.197
1.246
1.246
1.330
1.373
1.460
1.510
1.616
1.592
1.671
1.721
240
270
280
288
288
288
306
273
286
297
305
298
312
6.163
6.736
6.796
6.798
6.798
7.140
7.344
7.029
7.285
7.467
7.613
7.693
7.523
18.803
20.712
21.477
22.334
22.334
23.305
24.347
24.030
23.883
24.113
24.792
25.263
24.795

Jumlah
Tabel 1.64 Non Performing Loan Penerusan Kredit (Non Performing Loan Channelling Credit) Off-Balance Sheet
Kelompok Bank (Bank Category)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Non Performing Penerusan Kredit (Non Performing Channelling Credit) 6.912 5.549 7.244 4.844 5.999 5.780 5.879 5.994 5.915 5.728 5.683 5.669 5.604 5.630 4.798 4.784 5.519
Total Penerusan Kredit (Total Channelling Credit)
30.963 29.670 35.766 38.318 41.405 40.613 31.013 31.400 30.847 28.691 28.019 62.645 26.978 29.224 28.575 28.274 28.171
Rasio Non Performing (%) (Non Performing Ratio (%))
22,32 18,70 20,26 12,64 14,49 14,23 18,96 19,09 19,17 19,97 20,28
9,05 20,77 19,27 16,79 16,92 19,59
Non Performing Penerusan Kredit (Non Performing Channelling Credit)
1.130
2.710
41,68
1.295
2.822
45,89
1.628
2.869
56,73
1.742
2.883
60,42
1.849
2.849
64,91
1.850
2.854
64,81
1.851
2.858
64,75
1.852
2.855
64,86
1.932
2.854
67,69
1.931
2.852
67,71
1.930
2.846
67,84
1.935
2.851
67,86
1.937
2.858
67,77
1.934
2.861
67,62
1.938
2.868
67,57
1.942
2.870
67,67
1.941
2.873
67,55

15
42
34,74
15
42
34,52
12
41
30,03
12
41
29,95
11
39
28,89
11
39
28,89
6
30
21,17
6
32
20,11
20
32
63,22
20
32
63,22
21
33
63,82
20
33
60,40
19
31
61,98
20
34
58,54
21
32
64,78
19
32
58,26
4
15
28,01

1.005
1.875
53,63
1.150
1.982
58,04
1.196
2.035
58,80
1.202
2.280
52,73
1.369
2.283
60,00
1.359
2.389
56,88
1.382
2.381
58,04
1.388
2.416
57,46
1.382
2.418
57,15
1.381
2.433
56,75
1.386
2.222
62,38
1.382
2.268
60,93
1.385
2.234
61,99
1.389
2.313
60,05
1.389
2.341
59,32
1.391
2.320
59,97
1.402
2.297
61,03

0
0
100
0
0
100
0
0
100
0
0
100
0
0
100
0
0
100
0
0
100
0
0
100
0
0
100

154
-
6
-
67
-
65
-
539
-
548
-
461
-
695
-
717
-

Non Performing Penerusan Kredit (Non Performing Channelling Credit) 9.062 8.009 10.081 7.801 9.229 9.000 9.118 9.240 9.249 9.061 9.021 9.006 8.946 8.973 8.146 8.137 8.866
35.591 34.517 40.710 43.675 46.581 45.962 36.347 37.242 36.699 34.470 33.814 68.514 32.102 34.431 33.817 33.496 33.356
25,46 23,20 24,76 17,86 19,81 19,58 25,09 24,81 25,20 26,29 26,68 13,14 27,87 26,06 24,09 24,29 26,58
67
68
Tabel 1.65 Komposisi DPK Bank Umum (Composition of Third Party Funds of Commercial Banks)
Desember 2004 Desember 2005 Desember 2006 Desember 2007
Jenis (Type)
Komposisi
Komposisi
thd Total
thd Total
DPK (%)
DPK (%)
Nominal (Composi- Nominal (Composition to Total
tion to Total
Third Party
Third Party
Funds) (%)
Funds) (%)
Komposisi
Komposisi
thd Total
thd Total
DPK (%)
DPK (%)
Nominal (Composi- Nominal (Composition to Total
tion to Total
Third Party
Third Party
Funds) (%)
Funds) (%)
November 2008
Desember 2008
November 2009
Komposisi
thd Total
DPK (%)
Nominal (Composition to Total
Third Party
Funds) (%)
Komposisi
thd Total
DPK (%)
Third Party
Funds) (%)
Komposisi
thd Total
DPK (%)
Third Party
Funds) (%)

Rupiah
245.722
170.843
74.879
25,51
17,74
7,77
281.412
193.854
87.558
24,95
17,19
7,76
338.011
249.564
88.447
26,26
19,39
6,87
405.551
309.335
96.216
26,84
20,47
6,37
439.462
312.269
127.193
25,73
18,28
7,45
430.000
307.743
122.257
24,53
17,55
6,97
464.379
324.641
139.738
24,48
17,11
7,37
Deposito (Time Deposits)

Rupiah
420.990
351.460
69.530
43,71
36,49
7,22
565.033
455.038
109.995
50,09
40,34
9,75
615.163
510.008
105.155
47,79
39,62
8,17
666.708
540.982
125.726
44,13
35,81
8,32
796.218
635.706
160.512
46,62
37,22
9,40
824.704
675.983
148.722
47,04
38,56
8,48
878.046
738.416
139.630
46,29
38,93
7,36

Rupiah
296.394
295.905
489
30,77
30,72
0,05
281.492
281.268
224
24,96
24,94
0,02
333.928
333.873
55
25,94
25,94
0,00
438.574
434.480
4.095
29,03
28,76
0,27
472.196
449.288
22.908
27,65
26,31
1,34
498.587
476.717
21.870
28,44
27,19
1,25
554.527
515.662
38.865
29,23
27,18
2,05
Total DPK (Total Third Party Funds)

Rupiah
963.106
818.208
144.898
100 1.127.937
84,96
930.160
15,04
197.777
100 1.896.952
83,30 1.578.719
16,70
318.233
100
83,22
16,78
100 1.287.102
82,47 1.093.445
17,53
193.657
100 1.510.834
84,95 1.284.797
15,05
226.037
100 1.707.876
85,04 1.397.264
14,96
310.613
100 1.753.292
81,81 1.460.443
18,19
292.849
Tabel 1.66 Komposisi DPK Bank Persero (Composition of Third Party Funds of State Owned Banks)
Jenis (Type)

Rupiah
November 2008
Desember 2008
November 2009
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composi- Nominal (Composition to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
83.211
63.449
19.762
22,15
16,89
5,26
94.322
70.509
23.813
21,86
16,34
5,52
112.324
88.947
23.377
23,38
18,52
4,87
146.613
121.749
24.865
25,68
21,32
4,35
136.666
107.943
28.723
21,98
17,36
4,62
151.767
123.438
28.329
22,66
18,43
4,23
148.024
110.569
37.455
20,53
15,34
5,20

Rupiah
151.350
128.831
22.519
40,28
34,29
5,99
200.719
166.542
34.177
46,53
38,61
7,92
207.536
176.718
30.818
43,20
36,79
6,42
215.871
179.313
36.559
37,81
31,40
6,40
264.730
214.961
49.769
42,57
34,57
8,00
280.614
235.219
45.395
41,89
35,12
6,78
321.104
265.927
55.177
44,54
36,88
7,65

Rupiah
141.171
141.048
123
37,57
37,54
0,03
136.356
136.153
203
31,61
31,56
0,05
160.534
160.496
38
33,42
33,41
0,01
208.524
208.490
33
36,52
36,51
0,01
220.484
212.751
7.733
35,45
34,21
1,24
237.446
230.047
7.399
35,45
34,34
1,10
251.851
242.589
9.262
34,93
33,65
1,28

Rupiah
375.731
333.328
42.403
100
88,71
11,29
431.397
373.204
58.192
100
86,51
13,49
480.394
426.160
54.234
100
88,71
11,29
571.008
509.552
61.456
100
89,24
10,76
621.880
535.655
86.226
100
86,13
13,87
669.827
588.704
81.123
100
87,89
12,11
720.979
619.085
101.894
100
85,87
14,13
69
70
Tabel 1.67 Komposisi DPK BUSN Devisa (Composition of Third Party Funds of Foreign Exchange Commercial Banks)
Jenis (Type)
November 2008
Desember 2008
November 2009
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
87.642
60.240
27.402
21,72
14,93
6,79
91.163
58.170
32.992
19,70
12,57
7,13
104.100
68.884
35.216
19,82
13,12
6,71
128.178
91.502
36.676
21,12
15,08
6,04
139.255
89.946
49.310
20,57
13,29
7,29
137.481
89.607
47.875
19,59
12,77
6,82
158.063
105.063
53.000
20,92
13,91
7,02

Rupiah
181.537
162.725
18.812
44,99
40,33
4,66
248.892
217.098
31.794
53,79
46,91
6,87
279.736
244.890
34.845
53,27
46,63
6,63
294.304
252.222
42.082
48,49
41,56
6,93
337.588
286.142
51.446
49,88
42,27
7,60
361.058
309.732
51.326
51,45
44,14
7,31
359.162
313.639
45.522
47,54
41,52
6,03

Rupiah
134.351
134.323
28
33,29
33,29
0,01
122.692
122.671
21
26,51
26,51
0,00
141.341
141.324
17
26,91
26,91
0,00
184.450
184.429
21
30,39
30,39
0,00
200.017
194.593
5.425
29,55
28,75
0,80
203.171
198.120
5.051
28,95
28,23
0,72
238.217
222.693
15.523
31,53
29,48
2,05

Rupiah
403.530
357.288
46.242
100
88,54
11,46
462.747
397.939
64.808
100
85,99
14,01
525.177
455.098
70.079
100
86,66
13,34
606.932
528.154
78.778
100
87,02
12,98
676.860
570.680
106.180
100
84,31
15,69
701.710
597.459
104.251
100
85,14
14,86
755.441
641.396
114.046
100
84,90
15,10

Rupiah
Tabel 1.68 Komposisi DPK BUSN Non Devisa (Composition of Third Party Funds of Non-Foreign Exchange Commercial Banks)
Jenis (Type)

Rupiah
Rupiah
November 2008
Desember 2008
November 2009
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
1.900
1.900
-
9,91
9,91
-
1.798
1.798
-
8,19
8,19
-
1.811
1.811
-
7,41
7,41
-
2.195
2.195
-
7,20
7,20
-
1.634
1.634
-
5,11
5,11
-
1.779
1.779
0
5,36
5,36
0
1.939
1.939
-
4,79
4,79
-
15.049
15.049
-
78,52
78,52
18.052
18.052
-
82,17
82,17
-
20.234
20.234
-
82,85
82,85
-
25.103
25.103
-
82,33
82,33
-
27.026
27.026
-
84,60
84,60
-
28.059
28.059
-
84,48
84,48
-
34.566
34.566
-
85,35
85,35

Rupiah
2.217
2.217
-
11,57
11,57
-
2.120
2.120
-
9,65
9,65
-
2.379
2.379
-
9,74
9,74
-
3.194
3.194
-
10,48
10,48
-
3.285
3.285
-
10,28
10,28
-
3.375
3.375
-
10,16
10,16
-
3.994
3.994
-
9,86
9,86
-

Rupiah
19.166
19.166
-
100
100
-
21.970
21.970
-
100
100
-
24.423
24.423
-
100
100
-
30.491
30.491
-
100
100
-
31.944
31.944
-
100
100
-
33.213
33.213
0
100
100
0
40.500
40.500
-
100
100
-
71
72
Tabel 1.69 Komposisi DPK BPD (Composition of Third Party Funds of Regional Development Banks)
Jenis (Type)
November 2008
Desember 2008
November 2009
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)

Rupiah
30.463
30.401
62
51,21
51,11
0,10
50.674
50.631
43
59,42
59,37
0,05
74.723
74.692
31
57,86
57,84
0,02
69.289
69.123
167
51,60
51,47
0,12
89.581
89.531
50
55,23
55,19
0,03
70.746
70.653
93
49,38
49,32
0,07
78.241
77.911
330
46,57
46,37
0,20

Rupiah
13.628
13.560
68
22,91
22,80
0,11
17.502
17.475
27
20,52
20,49
0,03
29.409
29.365
44
22,77
22,74
0,03
31.792
31.750
42
23,67
23,64
0,03
41.541
41.232
309
25,61
25,42
0,19
35.015
34.877
138
24,44
24,34
0,10
53.231
52.968
263
31,68
31,53
0,16

Rupiah
15.395
15.395
-
25,88
25,88
-
17.107
17.107
-
20,06
20,06
-
25.008
25.008
-
19,37
19,37
-
33.205
33.205
-
24,73
24,73
-
31.088
31.084
4
19,17
19,16
0
37.498
37.497
1
26,17
26,17
0
36.540
36.536
4
21,75
21,75
0

Rupiah
59.486
59.356
130
100
99,78
0,22
85.283
85.213
70
100
99,92
0,08
129.141
129.065
75
100
99,94
0,06
134.287
134.077
209
100
99,84
0,16
162.210
161.848
362
100
99,78
0,22
143.262
143.027
235
100
99,84
0,16
168.015
167.415
599
100
99,64
0,36
Tabel 1.70 Komposisi DPK Bank Campuran (Composition of Third Party Funds of Joint Venture Banks)
Jenis (Type)
November 2008
Desember 2008
November 2009
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)

Rupiah
10.399
2.895
7.504
36,75
10,23
26,52
11.544
3.251
8.294
33,48
9,43
24,05
10.125
2.715
7.410
28,18
7,56
20,62
13.267
4.112
9.155
24,15
7,48
16,67
19.456
5.358
14.098
24,99
6,88
18,11
18.872
4.976
13.896
24,54
6,47
18,07
20.721
7.610
13.111
22,72
8,34
14,38

Rupiah
17.563
9.413
8.150
62,08
33,27
28,81
22.563
11.784
10.779
65,43
34,17
31,26
24.577
12.173
12.405
68,41
33,88
34,53
40.196
21.197
18.999
73,17
38,59
34,59
55.819
28.624
27.195
71,69
36,76
34,93
55.007
29.691
25.315
71,53
38,61
32,92
63.407
39.432
23.975
69,52
43,23
26,29
331
331
-
1,17
1,17
0,00
376
376
-
1,09
1,09
0,00
1.224
1.224
-
3,41
3,41
-
1.471
1.471
-
2,68
2,68
-
2.591
2.590
0
3,33
3,33
0
3.023
3.023
0
3,93
3,93
0
7.077
3.949
3.128
7,76
4,33
3
28.293
12.639
15.654
100
44,67
55,33
34.484
15.411
19.073
100
44,69
55,31
35.927
16.112
19.815
100
44,85
55,15
54.934
26.779
28.154
100
48,75
51,25
77.866
36.572
41.294
100
46,97
53,03
76.902
37.691
39.211
100
49,01
50,99
91.205
50.991
40.214
100
55,91
44,09

Rupiah
Rupiah
73
74
Tabel 1.71 Komposisi DPK Bank Asing (Composition of Third Party Funds of Foreign Owned Banks)
Jenis (Type)
November 2008
Desember 2008
November 2009
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
Komposisi
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
thd Total
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
DPK (%)
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
tion to Total
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Third Party
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)
Funds) (%)

Rupiah
31.352
11.744
19.608
41,92
15,70
26,22
31.911
9.495
22.416
34,66
10,31
24,35
34.927
12.515
22.412
37,95
13,60
24,35
46.009
20.655
25.353
40,65
18,25
22,40
52.870
17.858
35.013
38,56
13,02
25,54
49.354
17.290
32.064
38,44
13,47
24,98
57.389
21.548
35.841
47,50
17,84
29,67

Rupiah
40.556
21.149
19.407
54,22
28,28
25,95
57.305
24.087
33.218
62,25
26,17
36,08
53.671
26.629
27.042
58,31
28,93
29,38
59.443
31.398
28.045
52,52
27,74
24,78
69.514
37.722
31.792
50,70
27,51
23,19
64.952
38.405
26.547
50,59
29,92
20,68
46.577
31.884
14.693
38,55
26,39
12,16

Rupiah
2.888
2.550
338
3,86
3,41
0,45
2.841
2.841
-
3,09
3,09
0,00
3.442
3.442
-
3,74
3,74
-
7.730
3.690
4.040
6,83
3,26
4
14.731
4.985
9.746
10,74
3,64
7
14.071
4.654
9.417
10,96
3,63
7
16.845
5.899
10.946
13,94
4,88
9

Rupiah
74.796
35.443
39.353
100
47,39
52,61
92.057
36.423
55.634
100
39,57
60,43
92.040
42.586
49.455
100
46,27
53,73
113.182
55.743
57.438
100
49,25
50,75
137.115
60.565
76.551
100
44,17
55,83
128.377
60.349
68.028
100
47,01
52,99
120.812
59.332
61.480
100
49,11
50,89
Tabel 1.72 Peringkat Bank Berdasarkan Dana Pihak Ketiga (Bank Rating Based on Third Party Funds)
Desember 2004
Peringkat
(Rating)
Nama Bank
(Bank Name)
Desember 2005
Pangsa Thd
Total DPK
Total DPK Bank Umum
(Total (%) (Portion
Third to Total Third
Party Party Funds
Funds) at Commercial
Banks (%)
Nama Bank
(Bank Name)
Total DPK
(Total
Third
Party
Funds)
Desember 2006
Pangsa Thd
Total DPK
Bank Umum
(%) (Portion
to Total Third
Party Funds
at Commercial
Banks (%)
Nama Bank
(Bank Name)
Total DPK
(Total
Third
Party
Funds)
Desember 2007
Pangsa Thd
Total DPK
Bank Umum
(%) (Portion
to Total Third
Party Funds
at Commercial
Banks (%)
Nama Bank
(Bank Name)
Total DPK
(Total
Third
Party
Funds)
November 2008
Pangsa Thd
Total DPK
Bank Umum
(%) (Portion
to Total Third
Party Funds
at Commercial
Banks (%)
Nama Bank
(Bank Name)
Total DPK
(Total
Third
Party
Funds)
Desember 2008
Pangsa Thd
Total DPK
Bank Umum
(%) (Portion
to Total Third
Party Funds
at Commercial
Banks (%)
Nama Bank
(Bank Name)
Total DPK
(Total
Third
Party
Funds)
November 2009
Pangsa Thd
Total DPK
Bank Umum
(%) (Portion
to Total Third
Party Funds
at Commercial
Banks (%)
Nama Bank
(Bank Name)
Total DPK
(Total
Third
Party
Funds)
Pangsa Thd
Total DPK
Bank Umum
(%) (Portion
to Total Third
Party Funds
at Commercial
Banks (%)
PT Bank Mandiri
170.019
17,65
PT Bank Mandiri
198.893
17,63 PT Bank Mandiri
197.438
235.802
15,61
PT Bank Mandiri
257.539
273.566
279.033
14,71
131.638
13,67
129.556
152.737
189.178
12,52
201.086
209.535
235.598
12,42
105.535
10,96
116.021
135.912
164.997
10,92
181.140
201.093
11,47 PT Bank Rakyat Indonesia (Persero) Tbk
230.415
12,15
81.309
8,44
96.924
124.674
145.567
9,63
152.818
162.775
9,28 PT Bank Negara Indonesia (Persero),Tbk
176.096
9,28
40.376
4,19
44.417
54.378
58.047
3,84
70.932
74.492
4,25 PT Bank CIMB Niaga, Tbk
82.494
4,35
29.495
3,06
36.739
39.148
45.108
2,99
PT Bank Niaga Tbk
50.744
51.560
67.387
3,55
PT Bank Permata Tbk
25.974
2,70
PT Bank Niaga Tbk
34.389
37.033
37.006
2,45
44.535
46.254
2,64 PT Pan Indonesia Bank, Tbk
54.836
2,89
2,37
PT Lippo Bank Tbk
24.852
2,58
PT Bank Permata Tbk
28.302
28.660
2,23 Citibank N.A
31.828
2,11
41.643
43.712
44.892
PT Bank Niaga Tbk
24.740
2,57
27.290
2,42 Citibank N.A
27.062
31.364
2,08
PT Bank Permata Tbk
39.334
42.803
44.565
2,35
10
Citibank N.A
19.909
2,07
Citibank N.A
25.978
2,30 PT Lippo Bank Tbk
26.693
2,07 PT Lippo Bank Tbk
30.366
2,01
Citibank N.A
35.882
2,10 Citibank N.A
34.289
35.435
1,87
Total
653.848
67,89
Total
738.509
65,47 Total
823.735
64,00 Total
969.264
64,15
Total
1.250.751
65,93
1.075.651
62,98 Total
1.140.078
65,03 Total
75
76
Tabel 1.73 Komposisi DPK Berdasarkan Lokasi ( November 2009 ) (Composition of Third Party Funds Based on Location)
Giro
(Demand Deposits)
Lokasi (Location)
Rupiah
Valas
(Foreign
Exchange)
Tabungan
(Savings Deposits)
Rupiah
Valas
(Foreign
Exchange)
Deposito
(Time Deposits)
Rupiah
Valas
(Foreign
Exchange)
Total DPK
(Total Third Party Funds)
Rupiah
Valas
(Foreign
Exchange)
Total
Pangsa
Thd Total
DPK (%)
(Portion to
Total Third
Party (%)

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat
Lainnya (Others)
21.996
5.265
156.214
2.663
11.992
29.377
1.040
2.022
6.690
14.131
3.898
7.300
4.652
3.551
1.941
2.761
4.014
3.535
9.573
2.676
1.494
4.539
1.759
418
324
1.231
1.503
5.308
2.774
1.195
6.342
677
1.786
0
5.061
1.738
106.208
391
2.406
6.800
28
227
121
3.413
360
939
1.211
2.964
208
353
670
440
2.025
42
48
680
286
1
2
43
72
1.825
27
27
264
62
31
764
54.709
12.540
137.134
9.092
40.257
66.561
2.201
5.294
6.902
32.201
7.696
13.695
12.204
5.625
3.504
6.782
8.357
9.017
15.788
3.799
3.160
16.024
4.256
955
1.032
2.919
3.995
13.501
4.330
2.245
6.235
1.375
2.274
1
2.659
437
21.392
233
1.370
5.016
18
114
55
1.929
83
322
317
684
55
159
320
218
1.105
27
42
351
181
0
7
17
44
1.067
57
29
75
6
19
460
57.644
14.524
420.416
6.522
30.723
73.802
783
2.681
4.888
35.964
4.684
7.309
11.812
3.319
1.728
3.883
3.667
5.303
12.473
1.460
1.301
9.453
3.165
89
548
858
1.516
9.419
1.971
1.560
3.429
581
944
1
7.390
1.407
107.523
462
2.055
8.229
11
115
177
4.143
132
983
685
518
122
369
285
147
915
16
19
488
189
1
16
12
33
743
34
32
324
8
51
1.997
134.348
32.330
713.763
18.277
82.972
169.740
4.025
9.997
18.481
82.296
16.278
28.304
28.668
12.495
7.173
13.427
16.038
17.855
37.833
7.935
5.955
30.016
9.180
1.461
1.904
5.007
7.014
28.228
9.075
5.001
16.005
2.633
5.004
2
15.109
3.583
235.124
1.086
5.831
20.046
56
455
353
9.485
575
2.244
2.213
4.165
385
882
1.274
804
4.045
85
108
1.519
656
2
25
71
149
3.635
118
88
662
76
102
3.221
149.457
35.912
948.887
19.362
88.803
189.786
4.081
10.452
18.834
91.781
16.853
30.548
30.881
16.661
7.558
14.309
17.312
18.660
41.879
8.020
6.063
31.535
9.836
1.463
1.929
5.079
7.163
31.863
9.194
5.089
16.667
2.709
5.106
3.223
7,88
1,89
50,02
1,02
4,68
10,00
0,22
0,55
0,99
4,84
0,89
1,61
1,63
0,88
0,40
0,75
0,91
0,98
2,21
0,42
0,32
1,66
0,52
0,08
0,10
0,27
0,38
1,68
0,48
0,27
0,88
0,14
0,27
0,17
Total
324.641
139.738
515.662
38.865
738.416
139.630
1.578.719
318.233
1.896.952
100
Tabel 1.74 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan (Deposits of Third Party Funds Based on Location of Deposits)
Lokasi (Location)
Des Des Des
Des
2008
2004 2005 2006 2007 Nov

133.817
30.283
840.976
16.939
80.082
168.001
4.418
10.433
19.526
84.295
15.372
30.933
29.516
15.458
7.284
16.839
15.699
17.070
39.334
7.587
5.716
28.017
8.510
1.365
1.787
4.927
6.497
28.540
7.983
4.703
15.056
2.830
4.963
3.119
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
135.580
33.011
868.803
16.834
80.782
171.426
4.143
10.069
20.464
83.941
15.349
31.760
30.058
16.341
6.828
21.559
16.026
17.570
41.518
6.909
5.721
29.013
8.941
1.451
1.833
4.563
6.363
28.524
8.005
4.671
14.227
2.800
5.084
3.126
135.624
32.945
865.982
17.103
81.287
172.526
4.144
9.937
19.034
85.123
15.432
31.325
29.249
16.015
6.842
21.508
16.127
17.560
40.180
7.221
5.566
28.876
8.683
1.291
1.857
4.830
6.517
29.032
8.055
4.781
13.834
2.809
4.752
2.769
137.019
33.050
881.885
17.201
82.294
176.088
4.106
10.044
18.104
86.979
15.693
31.316
29.644
16.211
7.011
19.639
16.292
17.329
40.221
7.349
5.526
28.699
8.647
1.183
1.866
4.828
6.469
29.352
8.019
4.735
13.891
2.688
4.634
3.084
141.274
33.303
880.839
17.502
84.453
177.520
4.192
10.281
18.018
88.454
16.228
31.710
30.374
16.611
7.477
17.684
17.154
18.125
41.393
7.621
5.705
29.389
8.992
1.302
1.923
4.861
6.613
29.365
8.269
4.799
14.331
2.828
4.568
3.000
138.885
34.108
872.078
17.654
84.765
178.460
4.249
10.484
18.746
88.095
16.479
32.154
29.763
16.325
7.783
17.684
17.060
17.807
43.236
7.823
5.842
29.294
9.287
1.310
1.974
5.033
6.759
29.408
8.626
4.872
14.876
2.751
4.747
2.501
139.721
31.132
879.948
17.625
84.764
180.061
4.257
10.388
18.335
87.643
16.273
31.521
29.604
16.027
7.721
17.718
16.774
18.240
40.389
7.845
5.927
29.580
9.279
1.365
1.924
4.863
6.745
29.408
8.742
4.891
14.810
2.732
4.712
2.678
145.462
34.457
899.351
18.039
86.479
181.896
4.203
10.564
18.379
89.166
16.297
33.072
30.102
16.504
7.626
13.786
17.194
18.412
42.379
8.115
6.091
30.152
9.529
1.449
1.947
5.093
6.809
30.254
8.824
4.878
16.453
2.896
4.680
3.271
142.748
33.531
893.947
18.285
85.817
182.692
4.093
10.292
17.441
88.843
16.195
32.158
28.950
16.279
7.377
13.378
16.838
18.405
41.216
8.114
5.854
29.672
9.446
1.455
1.890
4.953
6.579
30.321
8.775
4.925
15.807
2.686
4.453
3.205
145.732
33.383
923.963
18.849
85.874
183.183
4.123
10.384
18.515
90.211
16.171
32.131
29.424
16.655
7.375
13.749
16.860
18.907
41.188
8.072
5.836
29.724
9.504
1.407
1.877
5.037
6.801
31.145
8.911
4.971
15.761
2.664
4.741
3.909
148.445
34.990
921.395
19.132
87.621
186.079
4.053
10.231
18.480
89.906
16.056
31.642
29.874
16.891
7.592
13.977
17.216
18.789
42.954
7.951
5.960
30.771
9.806
1.444
1.952
5.010
7.005
31.364
8.940
5.044
16.179
2.640
4.791
3.072
149.443
34.790
920.423
19.262
88.278
187.554
4.071
10.274
18.075
91.392
16.594
31.485
30.027
16.967
7.606
14.157
17.260
19.068
42.576
8.150
6.025
30.853
9.886
1.477
1.964
5.142
7.078
31.622
9.092
5.148
17.006
2.727
5.459
3.152
149.457
35.912
948.887
19.362
88.803
189.786
4.081
10.452
18.834
91.781
16.853
30.548
30.881
16.661
7.558
14.309
17.312
18.660
41.879
8.020
6.063
31.535
9.836
1.463
1.929
5.079
7.163
31.863
9.194
5.089
16.667
2.709
5.106
3.223
Total
963.105 1.127.937 1.287.102 1.510.834 1.707.876 1.753.292 1.748.814 1.771.098 1.786.157 1.780.918 1.783.644 1.823.811 1.806.621 1.847.038 1.857.251 1.864.084 1.896.952
Data tersedia mulai Januari 2007
119.504
28.310
751.466
15.323
70.139
143.778
3.482
9.321
18.341
71.021
13.974
30.155
24.867
13.587
6.384
14.789
12.798
14.965
34.316
6.530
5.171
24.794
7.133
1.076
1.641
3.977
5.402
23.522
7.296
4.413
13.276
2.576
4.506
3.000
Jan
76.805
15.611
504.412
10.215
46.731
95.325
1.771
5.285
7.900
45.008
8.150
23.559
15.116
2.999
6.442
6.885
8.891
17.713
3.353
2.884
14.660
4.616
833
1.976
3.339
15.303
4.360
2.892
7.126
760
2.187
104.431
27.317
620.919
13.908
62.701
127.851
2.760
7.535
21.956
60.126
11.490
40.074
21.068
4.728
9.496
10.813
12.793
30.596
5.510
4.448
21.952
6.057
1.392
3.218
4.441
19.030
6.628
3.993
15.096
2.184
2.596
Des

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau 1
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat 1
Lainnya (Others)
Ket:
87.899
21.706
586.432
11.453
52.950
111.909
2.066
5.707
13.511
51.589
9.109
28.558
17.848
3.497
7.419
8.122
10.291
23.281
4.109
3.313
17.239
4.862
1.011
2.202
3.770
17.186
4.910
3.248
8.857
1.025
2.860
2009
77
78
Tabel 1.75 Deposito Berdasarkan Jangka Waktu Simpanan (Time Deposits Based on Deposit Maturity Schedule)
Jangka Waktu Simpanan
(Deposit Maturity Schedule)
1 Bulan (Month)
Total
Des Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
97.415
136.873
10.282
8.366
13.140
34.955
301.031
145.908
208.000
14.246
11.113
16.895
43.597
439.758
136.756
207.776
11.226
16.611
18.399
37.025
427.792
158.921
226.176
14.280
17.362
28.956
41.601
487.296
188.607
253.048
18.072
28.847
40.598
47.065
576.237
200.048
267.452
18.654
21.704
38.786
42.186
588.830
191.772
265.550
17.783
24.118
39.615
42.734
581.572
193.094
267.761
17.433
26.814
41.496
44.945
591.543
193.839
255.642
15.898
29.719
43.692
38.279
577.068
188.701
247.657
16.084
29.991
41.075
34.426
557.934
195.638
248.357
15.679
31.868
42.389
33.039
566.970
195.598
246.035
16.371
34.371
42.242
36.331
570.948
190.626
239.303
16.545
34.446
40.415
32.079
553.415
192.863
234.864
16.554
34.888
41.880
30.625
551.674
191.228
235.393
17.301
34.709
43.942
31.534
554.106
201.905
238.931
17.640
32.965
54.066
30.362
575.869
203.662
231.991
18.279
31.155
50.757
28.980
564.824
3 Bulan (Month)
Total
22.568
19.358
2.474
2.068
1.763
3.878
52.108
29.808
23.813
2.426
3.290
2.793
7.466
69.595
28.549
38.570
4.525
5.437
2.844
9.597
89.522
29.114
31.900
4.449
5.535
6.521
9.142
86.661
32.221
43.791
5.134
5.100
10.212
13.952
110.410
33.016
45.829
4.859
5.942
8.505
14.476
112.626
34.995
55.917
6.732
6.913
10.836
15.477
130.871
36.512
59.950
7.927
7.475
13.772
15.633
141.269
38.773
60.971
8.356
7.138
17.493
15.537
148.268
41.937
59.580
8.787
6.631
18.509
14.314
149.758
45.760
58.183
9.331
6.734
17.939
14.133
152.081
48.103
58.344
9.997
6.871
16.411
13.732
153.459
49.717
62.043
9.981
7.331
15.989
14.135
159.195
52.457
66.598
11.004
7.926
16.160
13.541
167.685
50.052
67.918
11.222
8.155
14.923
13.046
165.315
49.231
67.186
11.340
8.417
10.388
11.503
158.065
56.019
72.766
11.399
8.906
9.957
10.840
169.888
6 Bulan (Month)
Total
15.030
6.963
1.081
2.745
1.174
1.116
28.110
8.952
6.619
664
1.413
1.188
2.170
21.006
11.051
11.550
2.274
1.376
1.318
4.765
32.334
7.443
14.667
3.030
1.884
3.166
5.259
35.448
15.501
17.993
1.822
1.780
1.762
4.509
43.367
19.728
21.360
1.697
1.999
3.046
4.594
52.425
18.973
21.006
1.881
2.077
1.533
4.679
50.149
19.397
22.850
2.128
2.276
1.682
5.064
53.398
20.073
22.887
1.794
2.267
1.643
4.426
53.090
20.222
24.273
1.841
2.381
1.507
4.036
54.259
20.518
24.930
1.965
2.436
1.498
3.582
54.929
20.610
24.414
2.100
2.486
1.511
3.444
54.566
21.261
24.058
2.376
2.580
1.575
3.360
55.210
20.953
23.507
2.282
2.950
1.818
3.285
54.795
20.778
23.114
2.257
3.294
1.921
3.396
54.761
22.206
22.681
2.546
5.650
1.635
3.408
58.126
22.487
23.260
2.662
3.880
1.713
3.406
57.409
12 Bulan (Month)
Total
7.818
6.114
454
1.539
614
1.355
17.894
12.043
10.084
705
1.655
1.208
3.290
28.986
25.201
20.499
2.187
5.800
1.617
1.657
56.961
17.071
20.408
3.312
6.811
1.123
2.519
51.244
26.712
20.629
1.978
5.696
2.429
2.981
60.425
27.920
20.075
2.261
5.259
3.659
2.784
61.958
30.055
20.081
2.300
5.098
2.398
2.790
62.721
31.787
19.835
2.425
5.331
2.151
2.787
64.315
35.992
20.097
2.528
6.046
2.260
2.942
69.865
36.806
20.843
2.349
6.525
2.063
3.135
71.720
37.258
19.957
2.464
6.555
2.074
3.400
71.707
40.483
19.149
2.756
6.617
2.055
3.574
74.635
41.297
20.241
3.021
7.132
2.102
3.829
77.622
41.530
20.552
2.956
7.424
1.969
3.681
78.113
41.490
20.546
2.438
7.931
1.804
3.385
77.594
39.898
20.337
2.376
8.157
1.031
3.207
75.005
38.324
21.469
2.218
9.091
936
3.075
75.113
>12 Bulan (Month)

Total
4.588
111
24
14
302
240
5.278
4.008
376
11
30
480
782
5.687
5.979
1.341
22
185
399
627
8.554
3.323
1.153
32
199
431
922
6.061
1.690
2.127
20
117
818
1.007
5.779
446
6.342
43
111
1.011
912
8.865
453
6.597
17
115
794
543
8.520
460
6.470
46
239
854
358
8.428
440
6.417
39
182
1.043
329
8.450
439
6.390
47
187
1.039
296
8.398
463
6.247
39
190
1.095
299
8.332
447
6.441
57
196
1.067
287
8.495
447
6.403
109
194
1.234
281
8.669
604
6.416
76
194
1.153
284
8.726
582
6.448
17
208
1.287
346
8.887
603
8.125
20
197
45
278
9.268
612
9.675
7
198
44
276
10.812
Persen (%)
Tabel 1.76 Suku Bunga Rata-rata DPK Bank Umum

(Average of Interest Rate of Third Party Funds of Commercial Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Ket. Data tersedia mulai Januari 2008
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
2,85
1,08
2,90
1,05
3,13
1,00
2,98
0,90
2,95
0,78
2,80
0,75
2,85
0,68
2,76
0,66
2,77
0,65
2,62
0,62
2,59
0,63
2,59
0,53
2,46
0,48
10,42
3,47
10,71
3,40
10,37
3,07
9,81
2,89
9,25
2,68
8,97
2,52
8,61
2,44
8,31
2,33
8,11
2,29
7,69
2,08
7,27
1,99
7,24
2,02
7,01
1,87
10,83
4,07
11,17
4,18
11,32
3,86
11,12
3,49
10,67
3,18
10,11
3,11
9,68
2,79
9,24
2,79
8,92
2,58
8,68
2,48
8,30
2,21
7,94
2,29
7,64
2,21
9,91
3,42
10,32
3,94
10,47
4,07
10,43
4,01
10,41
3,88
10,25
3,66
9,99
3,48
9,70
2,87
9,40
2,56
9,05
2,45
8,65
2,16
8,42
2,34
8,16
2,28
9,64
2,99
10,34
3,08
10,55
2,83
10,87
2,79
11,14
2,62
11,16
2,62
11,20
2,57
11,25
2,54
11,19
2,24
11,07
2,39
10,68
2,25
10,46
2,87
10,24
2,72
3,09
1,24
3,11
1,21
3,09
1,04
3,07
0,91
3,01
1,21
2,97
1,20
2,93
1,20
2,92
1,23
2,90
1,15
2,84
0,93
2,82
0,96
2,81
0,74
2,80
0,61
79
80
Persen (%)
Tabel 1.77 Suku Bunga Rata-rata DPK Bank Persero

(Average of Interest Rate of Third Party Funds of State Owned Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
3,09
1,22
3,23
1,24
3,78
1,22
3,36
0,95
3,14
0,94
2,82
0,93
2,97
0,92
2,97
0,93
3,00
0,93
2,80
0,88
2,73
0,91
2,81
0,78
2,77
0,72
9,65
4,00
10,07
3,99
9,73
3,66
9,13
3,40
8,89
3,27
8,76
3,07
8,51
3,14
8,22
3,10
8,20
3,19
7,66
2,80
7,07
2,78
7,06
2,84
6,75
2,52
- 10,22
- 5,01
10,44
5,28
10,46
5,08
10,27
4,25
9,95
4,27
9,75
4,16
9,61
3,75
9,38
3,99
9,13
3,85
8,93
3,57
8,47
3,45
7,94
3,32
7,56
3,36
- 10,03
- 3,59
10,59
3,99
10,65
4,68
10,73 10,52
4,64 4,41
10,40 10,17
4,36 4,26
9,91
3,66
9,65
3,50
9,33
3,33
8,88
3,18
8,64
3,15
8,35
3,06
- 10,75
- 3,51
11,32
3,59
11,43
3,53
11,59 11,67
3,45 3,42
11,67 11,65
3,37 3,37
11,60 11,56
3,41 3,24
11,46
3,38
10,88
3,33
10,73
3,09
10,60
2,83
2,79
2,80
2,77
2,33
2,56
1,86
2,57
1,87
2,56
0,99
2,57
1,00
2,75
2,80
2,74
1,85
2,67
1,86
2,65
1,86
2,66
1,86
2,66
1,86
2,66
1,86
Persen (%)
Tabel 1.78 Suku Bunga Rata-rata DPK BUSN Devisa

(Average of Interest Rate of Third Party Funds of Foreign Exchange Commercial Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Ket. Data Revisi bulan Des 2008, Jan, Feb, Mar 2009
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
2,39
1,87
2,61
1,80
2,54
1,72
2,52
1,63
2,54
1,37
2,48
1,23
2,54
1,07
2,48
1,02
2,41
0,97
2,21
0,87
2,24
0,85
2,17
0,75
1,98
0,65
- 10,97
- 3,98
11,20
4,18
10,92
3,89
10,40
3,58
9,61
3,25
9,22
3,07
8,77
2,74
8,40
2,48
8,10
2,30
7,75
2,15
7,42
2,03
7,38
1,94
7,12
1,80
- 11,22
- 4,29
11,55
4,82
11,76
4,80
11,53 10,96
4,75 4,08
10,22
3,80
9,61
3,46
9,02
3,03
8,76
2,69
8,41
2,48
8,08
2,25
7,81
2,12
7,52
1,95
9,66
3,53
9,86
4,26
10,04
4,65
9,86
4,65
9,63
4,52
9,34
3,96
9,02
3,33
8,69
3,05
8,30
2,69
8,08
2,41
7,73
2,16
8,30
3,07
9,56
3,10
9,81
3,15
10,26 10,21
3,19 2,87
10,02
2,99
9,85
2,85
9,63
2,86
9,31
2,78
3,27
0,82
3,32
0,82
3,30
0,83
3,04
1,09
3,01
1,10
3,00
1,08
2,97
0,79
9,81
4,77
9,96
4,74
10,03 10,26
3,28 3,16
3,30
0,82
3,28
1,75
10,23 10,31
3,27 3,24
3,21
1,71
3,14
1,71
3,12
1,72
3,10
1,58
81
82
Persen (%)
Tabel 1.79 Suku Bunga Rata-rata DPK BUSN Non Devisa

(Average of Interest Rate of Third Party Funds of Non-Foreign Exchange Commercial Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Ket. Data Revisi bulan Des 2008, Jan, Feb, Mar 2009
Des
2009
Jan
4,16
-
4,68
-
4,47
-
- 11,22
-
11,64
-
- 11,51
-
Feb
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
4,37
-
3,99
-
4,38
-
3,90
-
3,70
-
3,81
2,59
3,69
-
3,93
-
3,70
-
11,41
-
11,05 10,53
-
10,09
-
9,84
-
9,77
-
9,50
-
8,91
2,77
8,65
-
8,60
-
8,55
-
11,77
-
12,31
-
12,16 12,02
-
11,30 10,90
-
10,72 10,43
-
10,06
-
9,52
-
9,20
-
9,05
-
- 10,41
-
11,35
-
12,00
-
12,18 12,55
-
12,18 11,68
-
11,39 10,65
-
10,28
-
10,01
-
9,64
-
9,56
-
- 10,96
-
11,52
-
11,69
-
11,90 12,03
-
12,08 12,18
-
12,16 12,01
-
11,76
-
11,18
-
10,91
-
10,81
-
4,28
-
4,21
-
3,58
-
3,42
-
3,33
-
3,35
-
4,89
-
4,52
-
Mar
4,21
-
4,42
-
3,81
-
3,80
-
3,59
-
3,45
-
Persen (%)
Tabel 1.80 Suku Bunga Rata-rata DPK Bank Pembangunan Daerah

(Average of Interest Rate of Third Party Funds of Regional Development Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
3,29
1,13
3,16
1,33
3,38
1,16
3,45
1,66
3,51
1,61
3,41
1,33
3,34
1,28
3,22
1,25
3,31
1,30
3,28
1,10
3,24
0,70
3,21
0,70
3,11
0,76
9,57
3,64
10,07
4,03
9,66
3,64
9,37
3,26
8,84
3,07
8,94
3,93
8,69
3,36
8,83
4,02
8,56
4,39
8,45
3,22
7,81
3,24
7,75
3,19
7,73
3,34
8,50
2,33
9,41
3,27
9,99
3,25
10,03
5,76
9,72
5,78
9,05
5,49
8,79
4,94
8,66
4,85
8,72
3,49
8,71
4,23
8,58
4,20
8,33
4,18
8,28
3,94
9,40
3,46
10,18
4,47
10,81
4,46
11,14 10,94
2,99 3,01
10,85 10,70
4,72 4,64
10,22
4,63
9,70
4,61
9,52
4,61
9,26
4,60
8,74
4,15
9,14
4,25
8,50
3,25
8,74
3,25
9,17
3,25
10,55 11,66
3,27 3,31
11,76 11,81
3,31 3,37
12,60 12,57
3,37 3,20
12,46
3,18
12,19
4,21
12,00
4,49
11,69
4,48
3,58
1,88
3,62
1,88
3,67
1,87
3,38
1,87
3,32
1,88
3,34
1,94
3,33
2,00
3,58
2,06
3,52
2,08
3,44
2,03
3,41
1,69
3,38
1,56
3,32
2,15
83
84
Persen (%)
Tabel 1.81 Suku Bunga Rata-rata DPK Bank Campuran

(Average of Interest Rate of Third Party Funds of Joint Venture Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
2,56
0,40
1,46
0,33
1,27
0,22
1,44
0,24
2,38
0,27
2,16
0,29
2,04
0,27
2,02
0,25
1,91
0,27
1,92
0,27
1,94
0,28
2,03
0,26
2,35
0,25
- 11,10
- 3,44
11,06
2,91
10,52
2,70
10,10
2,68
9,57
2,36
8,89
2,03
8,48
2,09
7,99
2,03
7,50
1,85
6,88
1,67
6,70
1,53
6,85
1,49
6,67
1,30
- 12,52
- 4,06
12,63
3,93
12,42
3,44
12,02 11,59
2,82 2,84
11,11 10,59
2,75 2,10
9,64
2,17
8,58
2,05
8,52
2,05
8,09
1,72
7,52
2,16
7,35
1,73
9,78
3,29
11,14
4,07
10,97
2,85
11,25 11,38
2,56 2,42
11,19 10,86
1,92 1,53
9,57
1,35
9,69
1,24
8,53
1,26
8,29
1,10
8,00
1,79
7,78
1,47
- 10,34
- 2,02
10,76
2,49
10,22
1,76
11,13 11,01
1,54 1,29
11,36 11,36
1,26 1,21
11,12 10,88
1,20 0,83
10,91
0,57
10,69
0,49
8,39
2,31
9,31
1,70
5,04
0,75
6,04
1,47
3,48
0,46
3,25
0,53
3,08
0,58
2,91
0,43
6,22
0,75
5,42
1,17
4,12
0,92
3,82
0,83
3,81
0,79
3,66
0,82
3,66
0,75
Persen (%)
Tabel 1.82 Suku Bunga Rata-rata DPK Bank Asing

(Average of Interest Rate of Third Party Funds of Foreign Owned Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Rupiah
Deposito 1 Bulan
Rupiah
Deposito 3 Bulan
Rupiah
Deposito 6 Bulan
Rupiah
Deposito 12 Bulan
Rupiah
Rupiah
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
1,44
0,13
1,16
0,10
0,97
0,12
0,61
0,08
1,01
0,07
0,83
0,07
1,04
0,07
0,85
0,08
0,90
0,07
0,95
0,06
1,00
0,08
0,97
0,07
0,85
0,07
9,99
1,80
10,03
1,23
9,15
0,83
8,21
0,71
7,61
0,59
7,17
0,54
6,80
0,44
6,53
0,51
6,31
0,30
6,08
0,29
6,01
0,27
5,91
0,29
5,88
0,29
- 11,21
- 2,71
11,65
2,39
11,49
1,93
11,15 10,21
1,58 1,34
9,26
1,43
8,57
1,54
8,29
1,43
8,03
1,27
7,87
0,96
7,44
0,73
7,06
0,63
6,75
0,65
- 10,49
- 2,80
10,64
2,63
10,80
2,45
10,90 10,82
2,30 1,84
10,29
1,44
9,65
1,21
9,37
1,01
9,03
0,97
8,34
0,92
7,86
0,81
7,67
0,85
7,45
0,83
9,84
3,45
9,87
3,45
9,81
2,92
9,91 10,27
2,94 2,91
10,58 10,47
2,77 2,71
10,40
2,73
10,16
2,60
10,05
2,50
9,81
2,46
4,51
0,22
3,98
0,17
3,10
0,15
2,21
0,22
2,72
0,08
2,48
0,07
2,57
0,07
2,61
0,08
2,57
0,06
10,53 10,48
2,88 2,86
2,75
0,08
2,66
0,08
2,47
0,09
2,41
0,09
85
86
Tabel 1.83 Peringkat Bank Berdasarkan Kredit (Bank Rating Based on Credit)
Desember 2004
Total
Peringkat Nama Bank Kredit
(Rating) (Bank Name) (Total
Credits)
Desember 2005
Pangsa Thd
Total Kredit
BankUmum
(%)(Portionto
Total
Commercial
Bank Credit
(%)
Total
Nama Bank Kredit
(Bank Name) (Total
Credits)
Desember 2006
Pangsa Thd
Total Kredit
BankUmum
(%) (Portionto Nama Bank
Total
(Bank Name)
Commercial
Bank Credit
(%)
Total
Kredit
(Total
Credits)
Desember 2007
Pangsa Thd
Total Kredit
BankUmum
(%)(Portionto
Total
Commercial
Bank Credit
(%)
Nama Bank
(Bank Name)
Total
Kredit
(Total
Credits)
November 2008
Pangsa Thd
Total Kredit
BankUmum
(%) (Portionto
Total
Commercial
Bank Credit
(%)
Nama Bank
(Bank Name)
Total
Kredit
(Total
Credits)
Desember 2008
Pangsa Thd
Total Kredit
BankUmum
(%)(Portionto
Total
Commercial
Bank Credit
(%)
Nama Bank
(Bank Name)
Total
Kredit
(Total
Credits)
November 2009
Pangsa Thd
Total Kredit
BankUmum
(%)(Portionto
Total
Commercial
Bank Credit
(%)
Nama Bank
(Bank Name)
Total
Kredit
(Total
Credits)
Pangsa Thd
Total Kredit
BankUmum
(%)(Portionto
Total
Commercial
Bank Credit
(%)
PT Bank Mandiri Tbk
88.194
15,76
PT Bank Mandiri Tbk
100.780
108.492
125.280
12,50
157.885
161.130
12,32 PT Bank Rakyat Indonesia (Persero) Tbk.
198.430
14,20
61.518
11,00
75.352
90.295
114.361
11,41
PT Bank Mandiri Tbk
157.591
156.900
174.181
12,46
58.824
10,51
62.375
66.494
87.774
8,76
112.565
112.686
8,62 PT Bank Negara Indonesia (Persero),Tbk
119.300
8,54
40.283
7,20
54.125
61.549
82.503
8,23
108.417
111.044
8,49 PT Bank Central Asia Tbk.
116.062
8,30
29.217
5,22
35.896
41.062
51.107
5,10
65.872
64.376
4,92 PT Bank CIMB Niaga, Tbk
76.695
5,49
PT Bank Niaga Tbk
21.317
3,81
PT Bank Niaga Tbk
29.362
33.208
41.843
4,18
PT Bank Niaga Tbk
48.140
50.117
59.439
4,25
PT Bank Permata Tbk
14.841
2,65
PT Bank Permata Tbk
22.218
23.825
29.026
2,90
37.578
36.588
2,80 PT Pan Indonesia Bank, Tbk
39.788
2,85
PT Bank Bukopin
12.974
2,32
PT Bank Internasional Indonesia
20.318
2,92 PT Bank Internasional Indonesia
21.190
28.189
2,81
36.531
34.880
39.462
2,82
12.865
2,30
15.360
2,21 Citibank N.A
20.849
25.989
2,59
PT Bank Permata Tbk
35.113
34.757
39.337
2,81
10
12.607
2,25
15.143
19.164
2,42 PT Bank Tabungan Negara
22.352
2,23
31.190
2,35 PT Bank Tabungan Negara
32.022
34.972
2,50
Total
352.640
63,03
Total
430.930
61,95 Total
486.126
61,36 Total
608.424
60,72
Total
790.882
59,67 Total
60,76 Total
897.666
64,23
794.500
Persen (%)
Tabel 1.84 Suku Bunga Rata-rata Kredit Bank Umum Berdasarkan Sektor Ekonomi
(Average of Credit Interest Rates Commercial Bank Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Pertanian, perburuan dan sarana pertanian
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
8. Jasa Dunia usaha (Business Services)
Rupiah
Valas
9. Jasa sosial/masyarakat (Social Services)
Rupiah
Valas
Rupiah
Valas
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.
14,24
7,54
14,38
7,73
14,40
7,55
14,23
7,34
14,11
7,26
13,97
7,05
13,71
6,79
13,52
6,55
13,52
6,26
13,43
5,74
13,37
5,80
13,30
5,73
13,20
5,56
14,69
5,94
14,83
5,44
14,30
5,39
14,21
5,20
14,04
5,29
14,01
5,21
14,24
5,92
11,99
5,12
12,10
5,32
10,86
5,18
10,70
4,90
10,67
4,94
12,10
4,70
13,78
6,66
13,92
6,62
13,81
6,41
13,49
6,32
13,35
6,24
13,15
6,22
13,11
6,13
12,97
5,94
12,82
5,80
12,62
5,76
12,28
5,53
12,21
5,49
11,97
5,44
11,96
6,30
11,27
6,28
11,10
6,13
10,81
6,16
10,58
6,06
10,55
5,49
10,34
5,26
10,32
5,18
10,13
4,94
10,03
4,94
9,81
4,70
9,78
4,67
9,49
4,46
14,25
7,08
14,18
6,89
14,35
6,63
14,25
6,54
14,16
6,55
14,15
6,34
14,24
6,47
14,19
6,00
14,13
5,74
13,93
5,95
13,73
5,78
13,59
5,72
13,46
5,77
15,60
7,69
15,69
7,58
15,77
7,41
15,71
7,30
15,62
7,20
15,50
7,12
15,42
7,14
15,25
6,96
15,28
6,77
15,20
6,68
15,09
6,50
15,03
6,47
14,98
6,30
12,50
6,44
12,72
6,49
12,83
6,16
12,50
5,96
12,19
6,06
12,00
5,79
11,79
5,66
11,04
5,61
11,04
5,59
11,01
5,52
10,48
5,39
10,42
5,34
10,55
5,37
14,50
6,94
14,22
6,52
14,49
6,24
14,40
6,14
14,35
6,10
14,23
5,95
14,13
5,65
13,93
5,37
13,71
5,25
13,57
5,14
13,41
5,24
13,28
5,15
13,29
5,19
14,47
4,79
14,67
5,02
14,65
4,18
14,59
4,24
14,85
4,40
14,85
4,12
14,90
4,05
14,87
4,02
14,80
3,93
14,72
3,85
14,98
4,93
14,57
5,25
14,70
5,21
15,58
3,77
15,71
3,85
15,78
4,60
15,87
4,16
15,79
4,06
15,80
4,03
15,89
0,89
15,98
0,75
15,87
0,60
15,75
0,66
15,86
0,81
15,59
0,68
15,84
0,62
87
88
Persen (%)
Tabel 1.85 Suku Bunga Rata-rata Kredit Bank Umum Berdasarkan Jenis Penggunaan
(Average of Credit Interest Rates Commercial Bank Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des
Des
2004 2005 2006 2007
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Rupiah
Valas
14,65
6,61
14,63
6,44
14,74
6,20
14,57
6,09
14,50
6,00
14,34
5,91
14,27
5,88
14,04
5,56
13,99
5,44
13,80
5,30
13,68
5,17
13,61
5,13
13,54
5,11
Rupiah
Valas
13,85
7,19
13,99
7,01
13,91
6,90
13,77
6,80
13,61
6,80
13,59
6,67
13,50
6,63
13,34
6,49
13,15
6,40
13,09
6,37
12,78
6,17
12,69
6,11
12,66
5,93
Rupiah
Valas
15,69
3,77
15,82
3,85
15,88
4,60
15,97
4,16
15,89
4,09
15,90
4,03
15,98
0,89
16,07
0,75
15,96
0,60
15,88
0,66
15,94
0,81
15,67
0,68
15,92
0,62
Tabel 1.86 Perkembangan Jumlah Bank dan Kantor Bank Umum (Growth of Total Banks and Bank Offices)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov

5
2.112
5
2.171
5
2.548
5
2.765
5
3.080
5
3.134
5
3.597
5
3.611
5
3.613
5
3.684
5
3.704
5
3.715
5
3.718
5
3.739
4
3.727
4
3.764
4
3.779

34
3.947
34
4.113
35
4.395
35
4.694
33
5.136
32
5.196
34
5.805
34
5.812
34
5.818
33
5.846
33
6.047
33
6.080
33
6.082
33
6.093
34
6.095
34
6.146
33
6.137
38
688
37
709
36
759
36
778
35
870
36
875
32
831
32
832
32
832
32
843
32
873
32
892
32
897
32
906
31
951
31
970
31
980
26
1.064
26
1.107
26
1.217
26
1.205
26
1.307
26
1.310
26
1.316
26
1.319
26
1.319
26
1.332
26
1.361
26
1.363
26
1.369
26
1.371
26
1.374
26
1.376
26
1.378

19
59
18
64
17
77
17
96
17
168
15
168
16
228
16
230
16
234
16
262
16
270
16
270
16
269
16
271
16
269
16
270
17
284

11
69
11
72
11
114
11
142
10
179
10
185
10
233
10
231
10
231
10
234
10
245
10
236
10
236
10
236
10
236
10
237
10
237
133
7.939
131
8.236
130
9.110
130
126
124
9.680 10.740 10.868
123
12.010
122
121
121
12.616 12.652 12.763
121
12.795

Total
Jumlah Bank (Total Banks)*
123
123
122
122
12.035 12.047 12.201 12.500
122
122
12.556 12.571
Ket. *Merger Bank Lippo & Bank Niaga menjadi Bank CIMB Niaga,Tbk sesuai SK No. 10/66/KEP.GBI/2008 tanggal 15 Oktober 2008 (bulan Jan, Feb, Mar, Apr 2009)
Data Revisi bulan Jan, Feb 2009
89
90
Tabel 1.87 Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Wilayah (November 2009)
(Growth of Total Branch Offices Based on Region)
Wilayah
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat
Di Luar Indonesia (Outside Indonesia)
Total
Des
2009
Jan
Feb
Mar
Apr Mei
Jun
Jul
Ags
Sep Okt
Nov
281
52
442
41
246
325
15
35
46
128
66
56
55
33
11
39
50
47
68
24
26
95
42
8
15
21
30
75
37
20
33
11
14
16
282
53
428
41
232
334
17
36
48
130
65
60
58
33
11
39
52
49
72
23
24
92
44
8
15
20
31
70
35
20
31
11
14
17
292
57
435
42
247
339
18
39
50
135
66
62
60
40
12
43
53
49
79
26
25
92
48
8
13
21
32
70
39
22
32
11
14
18
309
59
442
44
258
350
19
39
53
141
67
65
63
45
13
43
54
51
84
27
28
100
48
8
10
22
33
72
39
23
35
12
15
18
317
61
460
46
261
350
21
41
56
145
70
68
63
46
17
45
55
58
86
31
28
109
49
9
11
23
36
71
40
24
38
13
18
18
324
61
464
47
263
355
21
41
57
146
70
69
64
47
17
45
55
58
87
33
29
111
49
9
11
23
36
73
40
24
38
13
18
18
325
61
471
48
265
357
21
41
57
146
70
70
65
47
17
45
55
61
92
33
29
111
49
9
11
23
36
75
42
25
38
13
18
18
330
64
493
48
266
358
21
41
60
146
70
70
67
47
18
45
55
61
94
33
29
111
49
10
11
23
36
76
42
25
38
13
18
18
330
64
496
49
266
358
21
41
65
147
70
70
67
47
18
45
55
61
95
33
29
111
49
10
11
23
36
76
42
25
39
13
18
18
332
64
493
49
267
358
21
41
65
149
70
70
67
48
18
45
55
61
95
33
30
111
49
10
11
24
36
76
42
25
39
13
18
18
333
62
497
50
268
359
21
43
65
150
70
70
67
48
18
45
57
62
96
33
30
111
49
10
11
24
36
76
42
25
39
13
18
17
333
64
499
50
269
358
21
43
65
150
71
71
67
47
18
44
58
62
96
34
31
110
49
11
11
24
36
76
42
25
39
13
18
17
333
64
500
50
270
359
21
43
65
150
71
72
67
48
18
44
58
62
96
34
31
111
49
11
11
24
34
76
42
25
39
13
18
17
331
64
501
50
270
360
21
43
65
150
71
72
67
48
18
44
58
62
97
34
31
111
49
11
11
25
34
72
42
25
39
13
18
17
332
64
502
50
271
362
21
44
65
153
71
73
67
48
18
45
58
62
98
34
31
111
50
11
11
25
34
72
42
25
40
13
19
17
333
64
505
50
271
363
21
44
65
155
71
73
67
49
18
45
59
62
98
36
31
111
50
11
11
25
34
72
43
25
41
13
19
17
334
64
506
50
271
363
21
44
65
156
71
73
67
49
18
45
62
62
98
36
32
111
50
11
11
25
34
72
43
25
41
13
19
17
2.503
2.495
2.589
2.689
2.784
2.816
2.844
2.886
2.898
2.903
2.915
2.922
2.926
2.924
2.939
2.952
2.959
DATA BANK SYARIAH
91
92
Tabel 2.1 Kegiatan Usaha Bank Umum Syariah (BUS) Dan Unit Usaha Syariah (UUS)
(Syariah Commercial Bank and Sharia Business Unit Operations)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Penyaluran Dana (Fund Disbursements)

a. Pembiayaan (Financing)
Rupiah
(Money Instruments (not including recapitalization bonds)
e. Penyertaan (Equity participation)
f. Tagihan Lainnya (Other claims)
14.793
11.324
10.698
627
718
1.968
20.222
15.232
14.458
774
1.054
3.180
25.927
20.445
19.530
915
991
3.641
32.304
26.149
24.878
1.270
1.437
3.238
46.557
38.529
35.910
2.619
1.547
3.594
48.264
38.199
35.879
2.320
1.978
5.189
50.033
38.201
36.141
2.060
2.178
6.720
50.869
38.843
36.617
2.226
2.371
6.617
50.348
39.308
37.155
2.153
2.185
5.958
51.021
39.726
37.658
2.067
2.109
6.163
52.151
40.715
38.809
1.906
1.982
6.498
54.079
42.195
40.193
2.002
2.449
6.530
54.221
42.828
40.916
1.911
2.269
6.124
55.725
43.890
41.905
1.985
2.307
6.492
56.376
44.523
42.664
1.859
2.262
6.545
58.433
45.246
43.392
1.854
2.391
7.676
60.068
45.726
43.916
1.810
2.512
7.888
671
6
105
730
6
21
829
6
15
1.302
41
138
2.664
79
144
2.683
79
136
2.688
79
168
2.768
79
191
2.715
41
142
2.805
42
178
2.742
83
130
2.700
83
122
2.775
83
143
2.796
83
157
2.744
83
219
2.852
83
184
3.644
83
215
Sumber Dana (Sources of Funds)

Rupiah
Giro Wadiah (Wadiah Demand Deposit)
Deposito Mudharabah (Mudharabah Time Deposits)
Tabungan Mudharabah (Mudharabah Savings Accounts)
b. Kewajiban Kepada BI (Liabilities at BI)
d. Surat Berharga (Money Instruments)
Rupiah
12.914 17.296
11.718 15.581
10.897 14.752
1.421
1.836
6.242
8.546
3.234
4.370
822
829
118
209
704
620
33
32
483
980
162
265
415
207
415
204
91
209
10
25
22.337
20.672
19.818
3.180
10.208
6.430
854
236
618
32
874
268
181
181
285
25
27.948
25.473
24.324
2.925
12.919
8.480
1.149
424
726
32
1.499
350
161
161
401
32
37.917
34.422
32.854
3.300
18.044
11.510
1.568
483
1.050
36
32
2.356
311
126
126
610
59
40.591
36.852
35.449
3.741
19.273
12.436
1.403
498
870
35
68
2.419
311
150
150
727
64
42.327
38.195
36.645
4.148
20.038
12.460
1.550
538
973
39
8
2.943
311
150
150
662
59
42.805
38.651
36.857
4.083
20.193
12.581
1.794
670
1.081
43
8
2.896
311
150
150
724
65
42.188
38.040
36.348
3.570
19.779
12.999
1.693
639
1.008
46
8
3.037
361
141
141
535
66
43.137
39.193
37.569
5.707
18.470
13.392
1.624
667
904
52
7
2.848
361
141
141
524
62
44.170
40.288
38.772
4.052
21.249
13.471
1.517
659
809
49
7
2.764
361
141
141
548
60
46.143
42.103
40.093
4.516
21.495
14.082
2.010
683
1.260
67
7
2.912
360
132
132
567
61
-
47.130
43.004
40.945
4.395
22.454
14.096
2.059
822
1.165
71
7
2.767
360
360
360
568
65
48.187
44.019
41.943
4.578
23.581
13.784
2.076
922
1.079
75
7
2.708
360
359
359
667
68
49.711
45.381
43.393
4.628
24.273
14.492
1.988
864
1.038
86
6
2.611
360
551
551
739
63
51.197
46.500
44.649
4.619
25.358
14.673
1.850
737
1.028
86
6
3.006
340
550
550
729
65
52.909
47.887
46.153
5.106
26.060
14.986
1.734
646
996
93
6
3.322
340
523
523
767
64
991
268
355
27
142
-
1.017
275
481
149
132
-
1.192
334
584
336
132
110
1.752
335
432
152
466
-
1.852
335
83
724
466
-
1.852
335
169
730
132
333
1.852
335
289
562
466
-
1.852
335
360
558
466
-
1.852
449
436
308
466
-
1.801
449
517
308
466
1.819
55.238
-
1.801
449
593
308
466
1.253
55.610
-
1.801
449
669
308
466
2.321
57.012
-
1.801
449
469
308
466
2.635
58.034
-
1.801
449
558
308
466
2.835
59.679
-
1.801
449
634
308
466
-
30
899
29
904
29
916
29
924
31
963
Komponen Modal (Capital Components)

c. L/R tahun berjalan (Current Earnings (Profit/Loss)
d. L/R tahun Lalu (Retained Earnings (Profit/Loss)
e. Perkiraan tambahan modal disetor (Estimate of Additional Paid-In Capital)
f. Modal Pinjaman (Capital Loans)
SWBI (BUS & UUS) (Bank Indonesia Syariah Money Certificates (BUS & UUS)
Total Aset (Total Assets)
Jaringan Kantor (Office Network)
Jumlah Kantor *) Total Bank Offices *)
728
99
167
(36)
(1)
-
951
230
239
(76)
132
-
1.094
2.395
2.358
1.761
1.063
2.824
3.488
3.192
2.704
2.058
2.539
15.210
20.880
26.722
33.016
47.179
49.555
51.814
52.152
51.678
52.212
50.464
18
337
22
436
23
509
29
568
31
754
32
790
31
796
31
867
31
888
30
895
30
898
Ket : * ) Tidak Termasuk Gerai Muamalat (Not including Muamalat Outlets)
2.142
61.359
31
987
Tabel 2.2 Kegiatan Usaha Bank Umum Syariah (BUS) (Syariah Commercial Bank Operations (BUS))
Des
Des
Des
Des
2004 2005 2006 2007 Nov

Rupiah
12.144 16.132
9.627 12.405
9.025 11.652
601
753
353
373
1.655 2.986

Rupiah
Rupiah
11.376 15.041 18.509

10.291 13.667 17.216
9.477 12.843 16.380
1.266 1.609
2.523
5.462 7.539
8.456
2.749 3.695
5.401
814
825
836
115
207
232
699
617
604
33
32
32
413
684
603
140
244
247
412
205
179
412
201
179
78
186
215
9
23
17

SWBI (BUS & UUS) (BankIndonesiaSyariahMoneyCertificates(BUS&UUS)
2008
401
6
103
728
99
194
(34)
(1)
1.094
341
6
21
951
230
266
(43)
132
-
2009
Des
Jan
Mei
Jun
Jul
Ags
Sep
Okt
Nov
38.725
29.716
28.376
1.340
1.343
5.567
39.135
31.058
29.780
1.278
1.289
4.594
40.310
31.817
30.540
1.277
1.389
4.874
40.875
32.165
30.981
1.185
1.324
5.144
42.285
32.727
31.529
1.198
1.227
6.023
42.966
33.491
32.339
1.153
1.141
5.207
1.894
83
122
34.397 35.954
31.282 32.698
29.938 30.894
3.036
3.403
16.214 16.281
10.688 11.210
1.344
1.804
580
589
765
1.215
7
7
2.122
2.261
361
360
141
132
141
132
449
461
35
36
-
1.969
83
143
36.552
32.917
31.069
3.207
16.610
11.252
1.848
726
1.122
7
2.401
360
360
360
465
43
-
1.990
83
157
37.431
33.676
31.794
3.254
17.613
10.928
1.881
846
1.036
7
2.428
360
359
359
557
44
-
1.939
83
219
38.855
35.186
33.498
3.302
18.706
11.490
1.688
697
992
6
2.272
360
351
351
640
40
-
2.043
83
181
39.803
36.050
34.411
3.244
19.588
11.579
1.638
659
980
6
2.405
340
350
350
613
38
-
2.830
83
213
39.534
-
1.801
449
346
288
466
1.253
40.191
-
1.801
449
385
288
466
2.321
41.162
-
1.801
449
411
288
466
2.635
42.636
-
1.801
449
440
288
466
2.835
43.650
-
5
643
5
645
5
654
5
660
6
688
31.498
26.438
24.521
1.917
515
2.484
33.026
26.109
24.422
1.688
1.016
3.827
33.849
26.212
24.799
1.414
1.033
4.554
457
6
14
766
41
182
1.839
79
144
1.859
79
136
1.803
79
168
1.884
79
191
1.843
41
142
1.918
42
178
23.960
21.966
20.880
2.624
10.555
7.702
1.085
262
823
32
1.049
329
154
154
400
31
29.109
26.456
25.073
2.343
13.663
9.067
1.383
449
934
32
1.646
311
126
126
504
33
30.546
27.734
26.498
2.250
14.588
9.659
1.237
465
772
68
1.736
311
150
150
513
35
31.640
28.489
27.108
2.260
15.146
9.702
1.381
509
872
8
2.102
311
150
150
549
31
32.715
29.447
27.862
2.358
15.501
10.004
1.585
609
977
8
2.145
311
150
150
616
38
32.936
29.569
28.053
2.559
15.146
10.349
1.516
599
917
8
2.376
361
141
141
443
38
33.234
30.179
28.781
4.810
13.319
10.651
1.399
565
834
7
2.086
361
141
141
423
36
1.001
275
459
143
132
-
1.141
334
509
322
132
110
1.701
335
499
138
466
-
1.801
335
49
637
466
-
1.801
335
102
634
132
333
1.801
335
171
515
466
-
1.801
335
208
521
466
-
1.801
449
250
288
466
-
3.192
2.704
2.058
2.539
991
268
310
24
142
-
2.599
1.063
2.824
3.488
12.527 17.111
21.151
27.286
31.974
34.036
35.282
3
346
3
398
4
555
5
576
5
580
93
35.614 35.762
27.518 27.756
26.029 26.295
1.489 1.460
1.228 1.220
4.715 4.760
Apr
25.663
20.717
19.602
1.115
672
3.286
2.358
3
301
Mar
19.839
16.113
15.224
889
535
2.715
2.395
3
263
Feb
36.488 36.665
5
618
5
635
36.248 37.327
27.841 28.502
26.439 27.236
1.402 1.265
1.104 1.013
5.166 5.669
1.929
83
130
37.039 35.282
5
642
5
643
1.801
449
297
288
466
1.819
40.303
36.392
34.849
3.418
19.603
11.828
1.543
588
955
6
2.739
340
123
123
667
36
1.801
449
488
288
466
2.142
44.185
6
701
94
Tabel 2.3 Kegiatan Usaha Unit Usaha Syariah (UUS) (Syariah Business Unit Operations (UUS))
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb

Rupiah
2.649
1.698
1.672
25
366
313
4.090
2.827
2.807
20
681
194
6.087
4.332
4.305
26
457
926
270
3
389
-
372
1
622
-

Rupiah
Rupiah
1.538
1.428
1.420
155
780
485
8
3
5
71
22
4
4
12
2
2.258
1.914
1.909
228
1.007
675
5
2
3
296
21
3
2
23
2
3.828
3.456
3.438
657
1.752
1.030
18
4
14
271
21
1
1
70
8
7.061
6.045
6.003
836
3.416
1.751
42
29
13
902
21
1
1
73
19
(27)
(3)
-
(28)
(33)
-
45
3
-
16
81
6
-
51
75
14
-
51
(66)
14
-
51
34
87
-
1.094
2.395
2.358
2.599
1.063
2.824
3.488
2.684
3.596
5.571
9.252 15.204 15.519 16.531 15.664
15
74
19
133
20
163

SWBI (BUS & UUS) (BankIndonesiaSyariahMoneyCertificates(BUS&UUS)
10.099 15.059 15.238 16.184 15.255

7.227 12.091 12.090 11.989 11.325
6.910 11.389 11.457 11.342 10.588
318
702
632
647
737
996 1.032
962 1.144
1.143
1.254 1.111
1.362 2.166
1.903
26
170
825
-
Mei
Jun
Jul
887
0
8.808 10.044 10.687 10.090

7.966
9.118 9.706
9.204
7.781
8.952 9.537
8.995
957
1.490 1.888
1.726
4.381
4.684 4.892
4.692
2.442
2.777 2.758
2.577
185
166
168
209
34
33
28
61
115
98
101
105
36
35
39
43
710
684
841
751
0
0
0
0
0
0
106
214
113
108
26
29
27
26
9.251
8.471
8.294
1.011
4.633
2.650
177
40
91
46
661
0
0
91
27
9.902
9.014
8.789
896
5.151
2.741
225
102
71
52
762
0
0
101
25
51
67
96
-
51
119
47
-
51
152
37
-
51
186
20
-
220
20
-
247
20
-
3.192
2.704
2.058
2.539
1.819
1.253
26
253
25
253
25
255
25
256
24
259
26
216
26
249
Ags
Sep
Okt
Nov
14.586 14.773 14.824 15.354 15.086 15.415 15.501 16.148 17.102

11.552 11.884 12.213 12.479 11.770 12.072 12.358 12.519 12.235
10.859 11.219 11.572 11.817 11.136 11.365 11.683 11.863 11.578
693
665
641
662
633
708
674
656
657
965 1.005
969
1.106
980
918
937
1.164 1.371
1.197
997
829
963 1.530 1.618
1.401 1.653 2.681
872
0
27
214
884
-
Apr
884
-
27
199
824
-
Mar
813
0
806
0
807
0
806
0
805
0
810
2
814
2
9.772 10.188 10.579 10.756 10.856 11.394 12.606

9.006 9.405 10.087 10.343 10.195 10.450 11.495
8.834 9.199 9.876 10.148 9.895 10.238 11.304
1.016 1.113 1.189 1.324
1.326 1.374 1.688
5.035 5.214 5.843 5.968
5.567 5.770 6.457
2.783 2.872 2.844 2.856
3.002 3.094
3.159
172
207
211
195
299
212
191
79
94
96
76
167
78
58
44
46
43
44
46
48
41
49
67
71
75
86
86
93
642
651
365
279
338
601
583
0
0
200
200
400
0
0
200
200
400
98
106
104
110
100
116
100
26
25
22
23
23
27
28
284
20
-
58
20
-
118
20
-
146
20
-
2.321
2.635 2.835 2.142
15.013 15.173 15.182 15.704 15.419 15.850 15.398 16.028 17.174
24
262
24
264
25
275
25
286
Tabel 2.4 Perkembangan Aset Perbankan Syariah (Growth of Assets of Syariah Banks)
Des
Indikator (Indicators)
Bank Umum Syariah (Syariah Commercial Banks)
Unit Usaha Syariah (Syariah Business Units)
Des
Des
Des
2008
2004 2005 2006 2007 Nov

12.527
2.684
17.111 21.151 27.286

3.769
5.571
9.252
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
31.974 34.036
35.282 36.488 36.665
37.039 38.012 39.534
40.191 41.162
42.636 43.650 44.185
15.204 15.519
16.531 15.664 15.013
15.173 15.182 15.704
15.419 15.850
15.398 16.028 17.174
95
96
Tabel 2.5 Aktiva Produktif Perbankan Syariah (Earning Assets of Syariah Banks)
Des
Pembiayaan (Financing)
a. Lancar (Current)
b. Dalam Perhatian Khusus ( Special Mention)
e. Macet (Lost)
Des
Des
Des
2004 2005 2006 2007

11.324 15.232
10.650 14.027
405
776
122
201
66
73
81
155
20.445 27.944
18.583 25.494
891 1.319
353
321
236
267
383
543
2008
Nov
Des
38.529
34.733
1.883
594
243
1.076
38.195
35.076
1.610
525
224
759
2009
Jan
Feb
38.201 38.843
34.410 34.653
2.115 2.400
354
620
412
171
910
998
Mar
Apr
Mei
Jun
39.308
35.024
2.264
804
200
1.015
39.726
35.115
2.558
807
219
1.027
40.715
36.023
2.749
594
267
1.081
42.195
37.601
2.743
553
417
881
Jul
Ags
Sep
42.828 43.890 44.523

38.154 38.715 38.815
2.470 2.713
3.161
845 1.068
1.136
414
393
341
945 1.002
1.070
Okt
Nov
45.246
39.656
3.097
1.036
276
1.180
45.726
39.977
3.216
898
746
889
Non Performing Financing (Nominal)
269
429
971
1.131
1.913
1.509
1.676
1.789
2.019
2.053
1.942
1.851
2.204
2.462
2.547
2.492
2.534
Rasio Non Performing Financing (%)
2,37
2,82
4,75
4,05
4,97
3,95
4,39
4,61
5,14
5,17
4,77
4,39
5,15
5,61
5,72
5,51
5,54
Tabel 2.6 Komposisi DPK Perbankan Syariah (Composition of Third Party Funds of Syariah Banks)
Desember 2004
Nominal
Komposisi tdhp total

DPK (%)
(Composition to Total
Third Party Funds) (%)
Desember 2005
Nominal

DPK (%)
Desember 2006
Nominal

DPK (%)
Desember 2007
Nominal

DPK (%)
November 2008
Nominal

DPK (%)
Desember 2008
Nominal

DPK (%)
November 2009
Nominal

DPK (%)
Giro Wadiah
Rupiah
1.539
1.421
118
13,13
12,13
1,01
2.045
1.836
209
13,13
11,78
1,34
2.847
2.562
285
14,71
13,24
1,47
3.750
3.459
291
13,39
12,35
1,04
3.784
3.300
483
10,99
9,59
1,40
4.238
3.741
498
11,50
10,15
1,35
5.752
5.106
646
12,01
10,66
1,35
Deposito Mudharabah
Rupiah
6.945
6.242
704
59,27
53,27
6,00
9.166
8.546
620
58,83 10.656
54,85 10.109
3,98
546
55,08
52,25
2,82
14.807
13.971
836
52,86
49,88
2,98
19.093
18.044
1.050
55,47
52,42
3,05
20.143
19.273
870
54,66
52,30
2,36
27.056
26.060
996
56,50
54,42
2,08
Tabungan Mudharabah
Rupiah
3.234
3.234
-
27,60
27,60
0,00
4.370
4.370
-
28,04
28,04
0,00
5.845
5.845
-
30,21
30,21
0,00
9.453
9.453
-
33,75
33,75
0,00
11.545
11.510
36
33,54
33,44
0,10
12.471
12.436
35
33,84
33,74
0,10
15.079
14.986
93
31,49
31,30
0,19
11.718
10.897
822
100
92,99
7,01
15.581
14.752
829
100 19.347
94,68 18.516
5,32
831
100
95,70
4,30
28.011
26.884
1.127
100
95,98
4,02
34.422
32.854
1.568
100,00
95,44
4,56
36.852
35.449
1.403
100
96,19
3,81
47.887
46.153
1.734
100
96,38
3,62

Rupiah
97
98
Persen (%)
Tabel 2.7 Tingkat Bagi Hasil Rata-rata DPK Bank Syariah

(Average of Profit Sharing Rates of Third Party Fund of Sharia Banks)
Des
Des
Des
Des
2004 2005 2006 2007
2008
Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Giro Wadiah
Rupiah
1,16
2,18
1,13
1,47
1,28
1,12
1,07
1,08
1,15
0,96
1,21
0,95
1,06
0,43
1,03
0,35
1,15
0,31
1,05
0,36
1,13
0,33
1,51
0,35
1,23
0,38
1,18
0,31
1,13
0,39
1,12
0,37
0,95
0,40
Deposito Mudharabah
Rupiah
8,61
1,97
8,66
3,68
9,75
3,87
7,97
5,71
8,12
1,46
8,61
2,69
8,22
1,83
8,28
2,76
8,10
1,69
9,10
3,03
8,51
2,91
8,43
2,05
8,21
1,86
7,61
3,05
7,46
2,44
7,62
3,00
7,32
2,27
Tabungan Mudharabah
Rupiah
7,07
-
3,96
-
3,72
-
3,32
0,63
3,30
0,95
3,61
0,92
3,28
0,92
3,29
0,05
3,21
0,95
3,35
0,98
3,19
0,95
3,22
0,97
3,02
0,98
3,03
0,97
3,07
0,98
2,94
0,99
3,29
2,74
Persen (%)
Tabel 2.8 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi

(Average of Margin Rates of Financing Based on Sector Economic)
Sektor Ekonomi
(Economic Sector)
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Rupiah
Valas
Des
Des
Des
Des
2008
2009
2004 2005 2006 2007
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
13,72
13,72
12,24
14,63
8,81
20,25
20,60
7,63
19,49
20,66
7,00
14,53
15,18
8,28
10,35
10,46
8,16
11,41
2,67
11,92
12,20
3,79
15,77
15,86
12,00
10,74
11,48
1,54
16,21
16,23
19,74
10,70
46,35
14,18
15,18
2,30
12,70
18,32
9,09
13,36
13,56
9,06
16,34
16,36
15,57
10,39
22,74
14,68
15,58
2,49
13,90
18,97
10,42
13,67
13,90
8,85
16,15
16,17
13,84
8,11
27,43
14,67
15,51
2,63
13,64
17,73
10,61
13,45
13,66
9,17
16,30
16,31
1,00
12,42
7,84
21,60
15,60
15,64
12,63
13,51
17,18
10,98
13,16
13,36
9,49
15,53
15,54
1,00
12,13
7,85
21,62
15,63
15,65
13,51
13,54
16,70
10,95
13,54
16,70
10,95
16,27
16,29
1,00
11,75
8,14
20,06
16,11
15,90
47,23
13,26
14,96
10,96
13,65
13,95
8,24
16,06
16,06
13,25
9,66
21,69
15,86
15,67
42,14
13,64
15,14
10,95
14,23
14,54
8,34
16,00
16,00
13,41
9,85
21,70
15,39
15,22
42,91
14,34
15,95
10,99
13,90
14,71
4,86
15,83
15,83
12,99
9,73
21,44
15,46
15,28
43,48
13,90
15,04
10,93
13,78
14,54
4,80
15,80
15,80
13,08
9,96
21,45
15,11
15,13
11,96
14,15
15,22
10,80
13,44
14,13
4,69
15,83
15,83
13,02
9,94
21,45
15,20
15,23
10,90
14,42
15,39
10,78
13,70
14,36
4,65
15,85
15,85
12,76
9,68
21,52
15,47
15,32
39,08
13,01
13,52
10,79
13,81
14,48
4,62
17,47
17,47
15,40
13,26
21,53
15,20
15,05
39,42
14,72
15,56
10,80
13,16
13,78
4,60
14,87
15,17
9,27
12,63
13,30
2,90
8,71
8,73
7,01
15,78
15,75
16,40
16,71
16,79
14,83
17,00
17,08
15,00
17,66
17,69
9,26
17,31
17,34
9,12
17,62
17,66
9,15
18,24
18,32
10,41
18,57
18,65
10,17
18,24
18,34
9,87
18,65
18,75
9,95
18,79
18,88
9,95
19,07
19,16
9,88
18,50
18,59
10,87
19,09
19,18
12,45
16,31
16,76
8,25
15,67
16,31
7,96
13,95
14,04
7,45
13,38
13,38
4,67
14,46
14,83
8,05
13,30
13,78
4,06
10,75
11,06
0,01
12,45
12,51
0,65
16,09
16,55
10,50
15,09
15,31
4,63
10,66
11,15
11,01
11,12
8,69
14,28
15,54
6,75
15,19
15,85
6,57
12,95
12,95
11,49
11,58
0,47
16,27
16,94
10,11
15,91
17,15
6,16
12,90
12,90
10,00
11,51
11,75
0,13
16,00
16,85
9,49
15,97
16,82
3,93
14,04
14,04
11,60
11,82
0,09
15,58
16,77
9,59
15,65
16,19
5,88
13,85
13,85
12,28
11,84
0,64
15,36
16,42
9,46
15,63
16,13
7,87
13,19
13,19
10,97
11,41
0,11
15,33
16,34
9,47
15,22
15,69
7,80
14,66
14,66
10,92
11,33
0,10
15,62
16,62
9,47
15,24
15,69
7,37
15,22
15,22
11,13
11,51
0,11
15,67
16,53
9,46
15,03
15,40
7,69
15,54
15,54
10,00
11,20
11,55
0,10
15,54
16,22
7,90
14,91
15,29
8,08
15,79
15,79
11,18
11,53
0,12
15,76
16,47
7,91
15,09
15,42
7,89
15,63
15,63
11,23
11,60
0,46
15,11
15,76
7,95
15,13
15,45
7,90
15,86
15,86
11,04
11,47
0,35
15,21
15,80
8,16
15,10
15,40
7,91
15,99
15,99
11,17
11,56
0,35
14,87
15,39
8,21
14,96
15,25
8,00
15,98
15,98
10,88
11,25
0,34
15,29
15,75
8,72
15,27
15,57
7,87
16,11
16,11
11,04
11,40
0,17
11,34 15,97
11,50 15,97
12,58 12,59
15,49 13,96
1,52 10,33
12,17 15,01
12,33 16,33
4,98
6,40
15,17 15,40
15,17 15,80
9,27
10,47 15,51
11,29 16,03
3,20
99
100
Persen (%)
Tabel 2.9 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan

(Average of Margin Rates of Financing Based on Type of Use)
Des
Des
Des
Des
2008
2009
2004 2005 2006 2007
Nov
Des
Modal Kerja
Rupiah
15,57
15,90
8,09
12,22
12,63
4,53
11,71
11,97
1,45
15,51
15,92
8,51
16,32
16,60
12,67
16,49 16,45
19,34 16,59
4,26 14,01
Investasi
Rupiah
15,20
15,89
8,52
12,51
13,36
2,13
13,34
13,80
6,01
13,87
14,59
7,41
13,45
14,32
6,13
Konsumsi
Rupiah
13,24
13,25
4,67
12,33
12,37
0,91
10,99
11,10
8,69
11,48
11,56
0,47
11,48
11,72
0,14
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
16,32 16,46
16,43 16,54
14,22 14,87
16,74
16,86
14,22
15,58
15,62
14,73
16,38
16,53
13,13
16,45
16,59
12,82
16,52
16,67
12,75
16,58
16,71
12,89
16,43
16,54
13,34
16,85
16,95
13,71
13,67 13,24
18,04 13,88
2,23
6,54
12,70
13,29
7,24
12,39
13,03
6,35
12,62
13,23
6,59
12,32
12,83
6,91
13,35
13,98
6,74
13,56
14,12
6,98
13,14
13,66
7,00
13,37
13,86
7,02
13,45
13,93
7,25
13,48
13,95
7,28
11,58 11,59
14,32 11,81
0,01
0,14
11,57
11,61
1,00
11,47
11,51
1,00
11,74
11,78
1,00
10,70
10,73
1,00
11,78
11,82
1,03
11,19
11,56
0,46
11,01
11,43
0,35
11,14
11,53
0,35
11,17
11,55
0,34
11,01
11,37
0,17
Tabel 2.10 Kegiatan Usaha BPR Syariah (Syariah Rural Banks Operation)
Des
Des
Des
Des 2 0 0 8
2004 2005 2006 2007
Nov
Des
1.516 1.591
1.268 1.257
248
334
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.603
1.260
343
1.591 1.636
1.277 1.332
314
303
1.650
1.361
290
1.669 1.703 1.759

1.381 1.410 1.451
287
293
308
1.784 1.830 1.884

1.502 1.523 1.547
282
307
337
1.914
1.576
338
Penyaluran dana
Pembiayaan
Antar Bank Aktiva
1.107
877
230
Sumber Dana
Dana Pihak Ketiga
Tabungan Wadiah
Tabungan Mudharabah
Deposito Mudharabah
Antar Bank Pasiva
Pinjaman yang diterima
Kewajiban lainnya
708
87
204
417
174
52
3
925
142
276
506
259
69
9
570
10
280
280
8
271
991
168
281
542
66
272
995
171
275
549
268
61
20
1.034
188
273
574
271
65
17
1.051
187
280
584
267
62
17
1.069
188
282
599
0
0
0
1.083
196
278
609
275
65
17
1.125
211
284
630
276
67
19
1.140
212
282
646
294
66
16
1.158
210
283
665
315
65
14
1.202
216
290
696
313
60
14
1.228
220
293
716
317
55
14
Beberapa komponen modal

Modal disetor
Cadangan
L/R Tahun Berjalan
L/R Tahun lalu
176
21
27
(9)
219
27
31
(13)
222
28
30
(15)
224
28
5
14
223
28
9
9
231
31
13
(3)
243
33
18
(9)
618
373
24
(12)
636
386
28
(19)
642
388
33
(19)
655
403
38
(20)
681
418
41
(21)
692
419
48
(21)
699
414
53
(22)
101
102
Tabel 2.11 Aset dan Pembiayaan BPR Syariah (Asset and Financing of Syariah Rural Bank)
Des Des
Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Aset (Assets)
1.203
1.619
1.693
1.711
1.702
1.748
1.766
1.782
1.821
1.877
1.910
1.962
2.014
2.051
Pembiayaan (Financing)
Lancar Current)
Kurang Lancar (Sub Standard)
Diragukan (Doubtful)
Macet (Lost)
882
807
22
22
31
1.268
1.160
38
21
50
1.260
1.149
37
23
51
1.277
1.165
36
21
54
1.332
1.220
32
28
52
1.361
1.248
33
30
50
1.384
1.270
34
31
49
1.410
1.298
36
31
44
1.451
1.339
38
32
42
1.502
1.384
40
34
42
1.523
1.400
43
36
45
1.547
1.427
38
33
50
1.576
1.444
43
34
55
Non Performing Financing (Nominal)

Non Performing Financing (%)
75
8,56
108
8,54
1.257
1.151
35
21
49
111
105
8,38
111
8,81
112
8,74
112
8,41
113
8,32
114
8,22
112
7,91
112
7,72
117
7,80
124
8,12
120
7,74
132
8,36
Ket : Data tersedia mulai posisi Januari 2007 (Data Available on January 2007)
Tabel 2.12 Jaringan Kantor Perbankan Syariah (Syariah Bank Office Network)
Des Des Des Des
Bank Umum Syariah (BUS) (Sharia Commercial Banks)
Jumlah Bank Total Banks
Unit Usaha Syariah (UUS) (Sharia Business Units)
BPR Syariah (Sharia Rural Bank) 1
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
3
263
3
301
3
346
3
398
4
555
5
576
5
580
5
618
5
635
5
642
5
643
5
643
5
645
5
654
5
660
6
688
6
701
15
74
19
133
20
163
26
170
27
199
27
214
26
216
26
249
26
253
25
253
25
255
25
256
24
259
24
262
24
264
25
275
25
286
114
185
128
199
131
202
132
203
132
203
133
208
133
209
134
210
133
209
134
216
135
220
137
220
138
221
139
223
103
DATA BPR
105
106
Tabel 3.1 Kegiatan Usaha Bank Perkreditan Rakyat (Rural Bank Operations)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

a. Kredit (Credits)
b. Antar Bank Aktiva (Inter-Bank Assets)
12.149 14.654 16.948

2.996
3.442
4.956
20.540 25.746 25.472 25.404

6.009
5.112
5.841
5.919
25.888 25.336 25.571 25.916 26.388 26.770 27.289

5.868
5.946
6.153
6.073
6.010
6.229
6.107
27.436 27.638
6.324
27.983
7.003
7.198
16.395 16.755
16.939

7.860
9.421 11.190
3.301
3.757
4.581
12.701 14.038 14.204 14.422

6.018
6.923
7.135
7.106
14.806 14.759 14.903 14.990 15.361 15.656 16.092

7.111
7.031
7.282
7.343
7.350
7.544
7.495
7.506
7.789
7.958
b. Antar Bank Pasiva (Inter-Bank Liabilities)
1.257
1.761
2.401
3.240
4.236
4.214
4.112
4.105
3.889
3.893
3.773
3.823
3.758
3.739
3.757
3.735
3.777
c. Pinjaman yang Diterima (Loans received)
397
406
416
482
547
542
525
513
514
530
593
603
586
593
598
607
596
d. Kewajiban Segera (Immediate Liabilities)
96
107
145
189
226
250
287
339
327
342
367
277
294
280
272
244
330
Beberapa Komponen Modal (Several Components of Capital)

1.764
1.908
2.333
2.776
3.163
3.241
3.305
3.361
3.359
3.392
3.434
3.478
3.532
3.551
3.679
3.758
3.888
353
484
697
828
1.100
1.098
1.217
1.002
965
999
1.024
1.018
1.013
1.034
1.029
1.030
1.029
c. L/R Tahun Berjalan (Current Earnings (Profit/Loss)
539
604
509
663
855
849
(262)
(170)
280
382
477
577
616
737
830
943
1.074
d. L/R Tahun Lalu (Retained Earnings (Profit/Loss))
72
131
129
38
-118
-100
549
442
372
120
-1
-26
-44
-101
-105
-102
-107
Tabel 3.2 Kinerja Bank Perkreditan Rakyat (Rural Bank Performance)

Des Des Des Des
LDR(%)
2008
2004 2005 2006 2007 Nov
Apr
Mei
Jun
Jul
Ags
82,54
81,65
82,18
80,91
80,84
83,04
83,09
82,94
84,05
Sep
Okt
83,13
Nov
81,76
27.993
Penghimpunan Dana (Funds collected)
12.815 15.345 17.879 21.696 25.579 25.944 26.059 26.412 26.067 26.685 26.093 26.562 27.020 27.415
27.772 28.298
28.698
ROA(%)
L/R Tahun Berjalan (Current Earnings (Profit/Loss)
Total Aktiva
ROE(%)
L/R Tahun Berjalan (Current Earnings (Profit/Loss)
Modal Disetor (Paid-In Capital)
Cadangan Umum (General Reserve)
84,79
Mar
81,94
Total Kredit (Total Credit)
80,03
Feb
27.443 27.645
Kredit Non Lancar (Non Current Credits)
87,37
Jan
12.149 14.654 16.953 20.684 25.752 25.480 25.409 25.893 25.341 25.575 25.921 26.393 26.776 27.296
NPL(%)
82,00
Des
Total Kredit (Total Credit)

Modal Inti (Core Capital)
80,73
2009
2.233
2.525
1.525
4.149
4.791
4.926
5.062
5.094
5.251
7,59
7,97
9,73
7,98
9,95
9,88
10,30
10,32
7,50
923
1.169
1.649
1.639
2.562
2.516
2.617
2.672
1.900
4.951 5.122
5.202
5.263
5.061
5.238
5.439
5.541
7,54
7,48
7,57
7,50
7,57
7,63
7,52
1.944 1.954
1.972
2.026
2.047
2.077
2.108
2.105
27.436 27.638
27.983
7,60
12.149 14.654 16.948 20.540 25.746 25.472 25.404 25.888 25.336 25.571 25.916 26.388 26.770 27.289
3,22
2,96
2,21
2,39
2,91
2,61
(9,74)
(3,11)
3,43
3,47
3,44
3,42
3,08
3,18
539
604
509
663
855
849
-262
-170
280
382
477
577
616
737
16.707 20.393 23.045 27.741 32.086 32.533 32.239 32.703 32.681 33.046 33.259 33.765 34.277 34.762
25,44
25,23
19,25
20,98
25,45
22,67 (82,54) (26,29)
29,15
539
604
509
663
855
849
-262
-170
280
1.764
1.908
2.333
2.776
3.163
3.241
3.305
3.361
3.359
353
484
312
384
504
506
498
510
487
27,06
830
943
1.074
35.221 36.055
36.704
26,28
26,31
3,19
28,96
382
477
577
616
737
830
943
1.074
3.392 3.434
3.478
3.532
3.551
3.679
3.758
3.888
526
529
535
531
542
542
521
26,02
3,14
29,38
508
28,82
3,14
26,46
107
108
Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi (Growth of Rural Bank Asset Based on Location)
Lokasi (Location)
Des Des Des Des
2008
2004 2005 2006 2007 Nov

Jawa Barat (Including Banten)
Bengkulu
Jambi
Riau (Including Bangka Belitung)
Lampung
Sulawesi Utara (including Gorontalo)
Bali
Maluku
Papua
Total
3.567
97
902
4.010
2.526
16
26
59
341
456
307
121
2.360
82
139
8
1
45
75
102
9
228
989
14
79
145
-
4.469
228
997
5.069
2.788
15
62
36
341
413
472
134
2.975
94
180
72
1
61
76
126
19
260
1.236
20
84
165
1
4.742
350
1.101
5.665
3.145
15
140
38
376
537
685
206
3.038
107
307
99
3
89
119
154
31
321
1.467
23
127
162
1
5.330
489
1.409
6.723
3.616
18
216
54
419
733
1.020
336
3.516
167
403
154
7
134
194
193
47
375
1.851
35
160
137
1
6.444
564
1.625
7.622
3.991
22
208
84
497
868
1.285
390
3.622
209
484
192
12
206
288
214
54
449
2.312
65
194
184
1
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
6.500
571
1.634
7.790
4.030
23
205
110
495
901
1.355
394
3.563
260
511
193
10
209
275
215
57
456
2.318
64
210
184
1
6.576
573
1.645
7.812
4.035
23
211
90
494
890
1.427
402
3.063
256
504
198
12
201
284
221
61
461
2.350
68
200
182
1
6.793
586
1.640
7.881
4.068
23
215
92
505
909
1.493
416
3.026
265
506
201
25
203
278
222
58
460
2.383
72
203
176
1
6.856
585
1.644
7.996
4.110
23
218
92
508
922
1.531
439
2.662
267
525
195
25
206
285
228
57
469
2.385
75
197
179
1
6.972
597
1.666
8.066
4.161
23
217
114
513
935
1.529
440
2.688
268
511
193
23
206
287
229
56
487
2.408
78
198
181
1
7.117
596
1.673
8.123
4.261
22
218
110
519
947
1.538
444
2.686
269
520
194
24
213
295
231
57
488
2.247
83
202
183
2
7.144
599
1.699
8.207
4.335
23
218
110
528
951
1.567
454
2.632
273
535
202
24
213
289
245
60
495
2.488
84
209
183
1
7.241
609
1.719
8.339
4.413
23
230
109
539
944
1.623
460
2.714
268
525
206
24
237
305
252
60
495
2.467
91
198
185
1
7.342
607
1.736
8.445
4.461
24
233
112
545
942
1.698
470
2.781
259
540
209
25
238
315
256
60
499
2.469
100
196
198
2
7.358
619
1.775
8.551
4.546
24
234
112
555
934
1.740
492
2.829
261
560
212
28
251
317
263
61
505
2.489
102
199
204
2
7.547
631
1.802
8.794
4.657
23
239
113
571
957
1.814
508
2.880
257
569
214
27
255
324
265
62
512
2.523
104
198
204
2
16.707 20.393 23.045 27.741 32.086 32.533 32.239 32.703 32.681 33.046 33.259 33.765 34.278 34.762 35.221
Nov
7.610
643
1.828
8.955
4.708
25
244
117
570
931
1.890
521
2.985
267
577
226
29
254
322
265
63
519
2.622
107
217
208
2
36.055 36.704
Tabel 3.4 Jumlah BPR Berdasarkan Total Aset (Rural Banks Based on Total Assets)
Total Aset
(Total Assets)
Total Aset BPR < 1 Miliar
Des Des Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
285
147
111
85
69
56
54
53
51
49
46
52
53
53
54
52
51
1.168
1.010
835
651
530
536
522
520
519
499
491
481
463
471
467
442
440
Total Aset BPR 5 s.d 10 Miliar
422
491
479
527
494
511
509
507
509
510
505
504
513
497
505
486
490
Total Aset BPR > 10 Miliar
283
361
455
554
676
669
682
688
689
700
715
723
731
742
739
764
765
2.158
2.009
1.880
1.817
1.769
1.772
1.767
1.768
1.768
1.758 1.757
1.760
1.760
1.763
1.765
1.744
1.746
Total Aset BPR 1 s.d 5 Miliar
Total
109
110
Tabel 3.5 Non Performing Loan Bank Perkreditan Rakyat (NPL of Rural Bank)
Kolektibilitas
(Collectibility)
Kredit (Credit)
a. Lancar (Current)
b. Kurang Lancar (Sub-Standard)
c. Diragukan (Doubtful)
d. Macet (Lost)
Des Des Des Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
12.149 14.654 16.948 20.540 25.746 25.472 25.404 25.888 25.336 25.571 25.916 26.388 26.770
11.226 13.485 15.299 18.901 23.184 22.956 22.787 23.216 23.437 23.626 23.962 24.415 24.744
322
404
473
407 1.046 1.039
506
545
543
558
540
551
522
373
494
482
319
319
342
386
377
362
353
355
356
351
228
271
694
913 1.197 1.135 1.724 1.750
995 1.033 1.058 1.066 1.153
923
7,59
1.169
7,98
1.649
9,73
1.639
7,98
2.562
9,95
2.516
9,88
2.617
10,30
2.672
10,32
1.900
7,50
1.944
7,60
1.954 1.972
7,54 7,48
2.026
7,57
Ags
Sep
27.289 27.436
25.242 25.358
522
554
360
366
1.165 1.157
2.047
7,50
2.077
7,57
Okt
Nov
27.638 27.983
25.530 25.878
552
560
369
359
1.187 1.186
2.108
7,63
2.105
7,52
Tabel 3.6 Non Performing Loan BPR Berdasarkan Lokasi (NPL of Rural Banks Based On Location)
Des Des Des Des
Lokasi (Location)
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar

Bengkulu
Jambi
Lampung
Bali
Maluku
Papua
271
4
43
275
150
1
1
5
22
26
8
4
24
3
7
4
8
20
42
1
2
-
313
4
71
403
151
1
1
5
22
27
11
9
33
8
8
3
1
7
7
1
24
55
2
1
3
-
449
11
93
607
184
1
4
6
33
33
17
16
45
5
13
4
0
3
9
9
1
27
74
2
1
3
0
421
17
83
614
170
1
9
6
27
32
21
16
58
5
13
8
2
11
8
1
30
78
1
1
4
-
469
28
90
637
185
1
11
7
29
43
28
18
839
6
17
10
0
4
12
8
2
36
75
2
2
5
0
450
26
80
591
157
1
11
7
29
40
27
20
909
5
17
10
0
4
11
8
3
33
71
1
1
5
0
465
28
90
605
167
1
12
7
31
45
34
21
932
7
18
11
0
4
12
8
4
35
74
2
1
5
0
498
31
90
614
173
1
13
7
29
47
36
22
924
6
18
12
0
4
13
9
3
36
76
2
1
6
0
501
18
98
620
175
1
14
7
30
50
39
22
125
7
18
15
0
5
12
8
3
36
86
3
2
6
0
Total
923
1.169
1.649
1.639
2.562
2.516
2.617
2.672
1.900
Apr
Mei
Jun
Jul
Ags
Sep
504
37
100
627
175
1
14
7
34
49
38
23
117
8
19
15
0
5
12
9
3
38
106
3
1
7
0
516
42
96
618
174
1
14
9
34
55
36
25
99
7
18
18
0
5
13
9
3
37
133
2
1
7
0
521
40
98
627
176
1
14
9
34
54
39
26
124
8
19
18
0
5
13
9
3
38
140
3
1
6
0
524
40
98
647
182
1
15
9
34
59
40
25
107
10
19
18
0
4
15
10
3
39
135
3
2
7
0
526
37
100
674
188
1
15
9
34
63
43
28
82
10
19
19
1
4
14
11
3
41
141
3
3
7
0
519
38
99
676
179
1
15
12
34
67
43
30
109
10
18
28
1
4
15
11
4
41
141
3
2
7
0
524
38
98
675
180
1
16
12
35
68
45
25
108
10
20
30
1
4
14
10
4
40
135
4
2
7
0
1.944 1.954
1.972
2.026 2.047
2.077
2.108
2.105
491
36
99
624
180
1
15
7
34
50
37
22
127
8
18
16
0
5
13
8
3
37
103
3
1
7
0
Okt
Nov
111
112
Tabel 3.7 Komposisi DPK Bank Perkreditan Rakyat (Composition of Third Party Funds of Rural Bank)
Desember 2004 Desember 2005 Desember 2006 Desember 2007 November 2008 Desember 2008 November 2009
Jenis (Type)
Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
7.860
70,42
3.301
29,58
3.757
28,51
4.581
29,05
6.018
32,15
6.923
33,03
7.135
33,44
7.958
31,97
11.161
100
13.178
100
15.771
100
18.719
100
20.961
100
21.339
100
24.897
100

Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
9.421
71,48
Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
11.190
70,95
Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
12.701
67,85
Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
14.038
66,97
Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
Nominal
Komposisi
thd Total
DPK (%)
(Composition to
Total Third
Party
Funds) (%)
14.204
66,56
16.939
68,03
Tabel 3.8 Komposisi DPK Berdasarkan Lokasi - November 2009

(Composition of Third Party Funds Based on Location - November 2009)
Lokasi (Location)
Tabungan
(Saving Deposits)
Deposito
(Demand Deposit)
Total DPK
(Total of Third Party Funds)
Pangsa Thd Total DPK (%)

(Portion of Total Third Party
Funds (%))
113

Bengkulu
Jambi
Lampung
Bali
Maluku
Papua
1.199
49
403
2.560
931
8
33
41
181
367
369
155
323
49
193
57
11
24
63
56
26
150
615
32
36
28
0
4.114
321
880
3.726
1.981
8
154
18
238
269
1.104
240
1.545
112
273
85
5
75
115
126
26
152
1.145
38
70
118
1
5.313
370
1.283
6.287
2.912
16
187
60
418
636
1.474
395
1.867
161
466
142
15
99
178
181
52
303
1.759
70
107
147
1
21,34
1,49
5,15
25,25
11,70
0,06
0,75
0,24
1,68
2,55
5,92
1,58
7,50
0,64
1,87
0,57
0,06
0,40
0,71
0,73
0,21
1,22
7,07
0,28
0,43
0,59
0,00
Total
7.958
16.939
24.897
100
114
Tabel 3.9 DPK BPR Berdasarkan Lokasi Penghimpunan (Third Party Funds of Rural Banks Based on Location)
Des Des Des Des
Lokasi (Location)
Bengkulu
Jambi
Lampung
Bali
Maluku
Papua
Total
2008
2004 2005 2006 2007 Nov

2.516
51
627
2.843
1.633
8
15
36
258
315
177
90
1.417
44
103
6
1
30
37
56
7
122
651
4
56
58
-
3.017
143
712
3.446
1.740
7
34
23
242
270
329
97
1.663
56
138
49
1
39
44
73
16
139
787
7
50
56
-
3.209
218
805
4.041
2.077
9
101
26
273
330
547
156
2.045
65
247
64
2
40
72
104
28
172
949
9
64
119
-
3.579
288
1.043
4.712
2.349
11
161
34
307
475
777
258
2.287
97
319
89
6
54
122
135
42
209
1.179
17
71
95
-
11.161 13.178 15.771 18.719
4.291
310
1.144
5.255
2.430
14
145
55
353
545
964
300
2.174
128
375
112
8
86
145
149
46
255
1.439
39
80
121
1
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
4.343
305
1.142
5.395
2.476
15
146
57
357
580
1.015
308
2.140
144
399
114
6
93
130
152
50
260
1.455
38
100
119
0
4.439
293
1.168
5.439
2.498
15
151
40
358
578
1.065
310
2.061
153
403
118
9
85
144
154
53
264
1.484
39
87
121
1
4.652
297
1.175
5.484
2.516
15
158
41
367
594
1.123
323
2.023
159
406
121
13
82
137
156
50
263
1.515
42
89
116
1
4.723
298
1.184
5.620
2.549
16
163
41
372
609
1.174
337
1.504
164
420
123
13
80
146
161
48
270
1.527
44
89
117
1
4.855
313
1.195
5.737
2.620
15
163
60
378
617
1.173
339
1.491
152
410
122
13
81
144
163
48
286
1.553
48
89
120
1
4.960
318
1.195
5.765
2.671
15
164
59
382
625
1.180
342
1.501
149
422
125
13
96
151
165
48
282
1.422
51
106
126
1
4.963
326
1.213
5.786
2.703
15
164
58
391
627
1.199
354
1.537
160
430
124
13
90
146
169
49
288
1.615
52
112
124
1
5.023
341
1.235
5.891
2.763
15
174
58
403
629
1.249
363
1.632
141
418
134
13
109
164
176
50
286
1.648
57
100
126
1
5.120
344
1.236
5.915
2.770
16
177
58
405
617
1.323
369
1.731
162
440
135
14
108
170
177
49
288
1.660
66
98
140
1
5.134
359
1.248
5.982
2.853
15
178
59
413
607
1.362
385
1.773
135
456
138
15
114
175
181
50
295
1.667
68
94
144
1
5.267
363
1.271
6.198
2.896
15
182
59
422
641
1.418
389
1.830
164
463
139
14
101
180
182
51
301
1.689
69
92
144
1
5.313
370
1.283
6.287
2.912
16
187
60
418
636
1.474
395
1.867
161
466
142
15
99
178
181
52
303
1.759
70
107
147
1
22.711 23.201 23.588
23.901
24.544
24.897
20.961 21.339 21.529 21.917
21.790 22.186 22.333
Nov
Persen (%)
Tabel 3.10 Suku Bunga Rata-rata DPK Bank Perkreditan Rakyat

(Average of Third Party Interest Rates of Rural Banks)
Des Des Des Des
2008
2004 2005 2006 2007 Nov Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
12,43
12,51
12,47
12,26
12,07
11,83
11,65
11,44
11,26
11,07
10,96
10,85
7,16
7,12
7,12
6,90
6,78
6,96
7,35
6,56
6,71
6,42
6,38
6,47
Ket. Data tersedia mulai Desember 2008 (Data available on December 2008)
115
116
Persen (%)
Tabel 3.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi
(Average of Credit Interest Rates of Rural Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
1.
Pertanian, perburuan dan sarana pertanian

Des
Des
Des Des
2004 2005 2006 2007
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
38,70
39,17
39,29
39,70
39,44
39,52
39,52
39,26
39,29
39,13
39,07
39,31
32,87
33,19
33,50
33,49
33,28
33,63
33,71
33,49
33,68
33,30
33,00
32,65

33,60
33,66
33,79
35,07
34,93
35,03
34,95
34,93
34,88
34,85
34,75
34,61
31,61
31,82
31,87
32,35
32,48
32,49
32,43
32,51
32,42
32,56
32,42
32,29
29,50
29,58
29,57
29,46
29,52
29,59
29,60
29,58
29,56
29,52
29,52
29,49
Persen (%)
Tabel 3.12 Suku Bunga Rata-rata Kredit BPR Berdasarkan Jenis Penggunaan
(Average of Credit Interest Rates of Rural Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des Des
2008
2004 2005 2006 2007
Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
34,43
34,75
34,82
35,45
35,36
35,55
35,39
35,36
35,29
35,29
35,24
35,08
27,67
27,93
27,97
30,23
30,31
30,28
30,47
30,39
30,64
30,62
30,38
30,38
29,57
29,51
29,55
29,45
29,51
29,50
29,57
29,54
29,57
29,45
29,38
29,38
117
118
Tabel 3.13 Perkembangan Jumlah Bank Perkreditan Rakyat (Growth of Total Rural Bank)
Des Des Des Des
Keterangan (Information)
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Jumlah BPR (Total Rural Banks)
2.158
2.009
1.880
1.817
1.769
1.772
1.767
1.768
1.768
1.758 1.757
1.760
1.760 1.763
1.765
1.744
1.746
3.507
3.110
3.173
3.250
3.350
3.367
3.389
3.401
3.408
3.417 3.422
3.430
3.435 3.446
3.454
3.465
3.617
Tabel 3.14 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi
(Growth of Total Rural Bank and Rural Bank Offices Based on Location)
(November 2009)
Nama Lokasi
(Name of Location)
Bengkulu
Jambi
Lampung
Bali
Maluku
Papua
119
Jumlah
BPR (Rural Bank)

KP
KC
KPK
Total
471
27
54
264
339
3
8
5
52
106
57
17
23
22
16
13
2
9
23
21
6
50
140
9
2
6
1
160
6
15
424
137
3
4
11
21
23
9
6
24
3
3
2
5
2
13
2
24
17
1
4
5
-
137
4
104
222
345
4
3
1
2
17
8
6
4
1
4
3
3
1
10
2
6
57
1
1
1
-
768
37
173
910
821
10
15
17
75
146
74
29
51
26
23
18
2
17
26
44
10
80
214
11
7
12
1
1.746
924
947
3.617
DATA PERKREDITAN
122
Tabel 4.1 Kredit Bank Umum Berdasarkan Sektor Ekonomi (Credit of Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
33.140
37.178
45.180
56.901
67.778
67.202
67.206
67.777
69.758
70.901
74.174
77.243
75.624
74.675
74.126
75.132
76.657
7.819
8.127
14.086
26.212
33.006
32.215
31.725
28.999
30.433
29.079
26.383
28.381
29.532
34.560
33.364
33.683
34.294
144.917
171.288
184.023
205.610
283.448
271.187
269.217
273.726
266.412
254.392
248.284
248.620
244.598
246.352
240.778
239.101
243.799
5.986
5.367
7.224
7.920
18.513
18.475
18.803
19.963
19.669
20.069
21.553
21.879
23.490
24.229
23.522
23.723
23.524

19.972
26.986
33.088
44.088
62.970
58.753
56.321
58.146
58.863
58.849
59.920
62.195
62.207
62.898
63.549
64.599
65.147
113.073
135.837
163.443
216.874
261.839
259.632
251.602
254.569
261.363
264.563
269.481
277.509
273.679
280.324
283.686
285.986
290.402
17.665
19.829
27.068
36.807
62.629
62.579
61.999
62.732
61.844
60.575
61.173
64.195
68.893
69.886
71.689
71.191
72.488
56.357
72.628
78.455
109.748
153.161
152.302
147.745
148.734
147.356
143.147
141.622
144.715
143.035
145.094
145.967
147.397
146.103
8.047
10.029
12.040
13.882
15.426
15.747
15.688
15.740
15.668
15.904
15.830
16.158
16.255
16.152
15.748
15.680
16.115
152.495
208.378
227.690
283.970
366.553
369.596
369.533
371.459
374.022
380.156
386.956
394.145
400.802
411.771
413.647
421.068
429.049
559.470
695.648
792.297 1.002.012 1.325.323 1.307.688 1.289.839

Total
1.301.844 1.305.389 1.297.635 1.305.377 1.335.041 1.338.116 1.365.942 1.366.076 1.377.561 1.397.578
Tabel 4.2 Kredit Bank Persero Berdasarkan Sektor Ekonomi (Credit of State Owned Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
20.984
22.407
25.993
31.275
38.654
38.451
38.991
38.961
40.872
42.845
45.180
47.928
46.199
46.169
45.727
46.463
46.841
4.471
3.364
4.961
11.288
16.953
15.473
14.806
13.639
15.052
14.440
11.608
13.370
13.719
15.839
15.644
15.887
15.535
60.489
67.369
72.736
74.594
102.159
98.878
99.634
103.044
100.799
98.823
98.530
101.530
98.554
98.567
94.271
92.967
94.566
3.868
3.880
5.221
4.762
12.454
12.702
13.036
13.629
13.489
13.700
14.641
14.741
14.974
15.246
14.501
14.556
14.965

9.126
12.572
13.966
17.325
23.340
23.178
21.982
23.003
23.755
23.589
24.053
25.053
24.518
24.909
25.212
25.504
25.328
46.868
51.530
62.439
86.775
103.708
103.680
100.178
102.098
105.952
108.050
109.924
115.489
115.994
118.093
120.889
122.212
125.416
6.114
5.890
8.113
13.857
22.728
22.880
22.281
22.475
22.454
22.152
22.715
24.614
27.443
28.173
28.840
28.980
29.106
10.537
12.572
12.604
16.340
22.436
25.356
23.397
24.155
25.173
24.937
23.734
25.114
23.854
23.893
22.468
23.335
22.691
2.424
3.219
4.429
4.371
3.157
3.345
3.278
3.271
3.206
3.246
3.350
3.472
3.385
3.448
3.492
3.435
3.464
57.973
73.611
77.450
95.564
124.311
126.723
126.387
127.216
129.844
132.700
137.428
140.573
144.086
149.538
147.069
150.744
153.337
222.855
256.413
287.910
356.151
469.900
470.665
463.971
471.491
480.597
484.482
491.163
511.883
512.725
523.875
518.113
524.081
531.249

Total
123
124
Tabel 4.3 Kredit BUSN Devisa Berdasarkan Sektor Ekonomi

(Credit of Foreign Exchange Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
8.053
8.713
11.156
15.212
18.608
19.032
18.419
18.725
17.965
17.606
18.566
18.672
18.710
18.162
18.183
18.221
18.847
2.231
3.232
6.421
10.612
9.649
11.069
11.247
9.094
8.555
8.239
8.813
9.231
8.886
10.533
10.371
10.565
11.354
43.999
53.980
60.322
72.330
93.614
95.520
91.984
92.408
87.885
84.050
79.841
79.758
79.274
80.014
81.743
80.773
82.876

1.630
1.291
1.787
2.770
5.213
5.140
5.170
5.606
5.624
5.670
5.850
6.078
6.106
6.249
6.385
6.472
6.815
7.503
10.175
12.322
18.167
24.494
23.303
22.958
23.570
23.359
22.951
23.297
23.731
23.276
23.151
23.665
23.596
24.317
52.831
67.870
81.018
103.927
124.280
125.572
119.442
118.738
120.191
121.591
123.122
126.376
121.842
124.828
125.755
125.704
127.382
9.420
11.027
13.028
17.429
25.606
26.323
25.967
26.174
25.857
25.495
25.940
26.936
28.594
28.519
28.929
28.620
29.488
27.965
37.061
42.303
59.648
79.058
79.004
76.985
76.887
75.024
73.753
73.395
74.287
73.838
74.916
76.145
76.014
78.036
3.488
4.687
5.182
6.487
7.870
7.564
7.493
7.528
7.406
7.487
7.476
7.656
7.501
7.583
7.620
7.550
7.719
52.057
79.555
81.717
101.159
132.001
131.768
130.913
130.665
130.260
131.317
131.246
132.636
133.923
136.885
139.650
141.950
145.186
209.176
277.591
315.256
407.742
520.394
524.295
510.577
509.396
502.127
498.159
497.546
505.360
501.951
510.840
518.445
519.464
532.020

Total
Tabel 4.4 Kredit BUSN Non Devisa Berdasarkan Sektor Ekonomi

(Credit of Non-Foreign Exchange Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
644
829
274
323
260
153
156
245
241
239
250
274
282
288
371
385
374
37
35
39
75
150
161
160
181
195
241
241
244
272
282
271
268
277
1.206
1.217
1.215
1.529
1.532
1.618
1.579
1.703
1.671
1.622
1.615
1.901
2.018
1.999
1.936
1.917
2.001

11
11
11
11
11
11
11
25
43
47
47
52
54
315
247
307
422
421
442
398
400
399
418
404
421
519
565
593
614
642
2.969
3.229
4.647
4.826
4.994
5.083
5.137
5.671
4.260
4.434
4.708
4.966
5.293
5.598
5.649
5.963
6.224
439
633
617
690
810
817
772
788
724
719
710
804
1.111
1.187
1.140
1.247
1.372
1.841
2.092
1.921
2.335
2.516
2.540
2.459
2.629
2.650
2.720
2.895
2.878
3.144
3.345
3.486
3.740
3.682
524
531
659
929
1.404
1.382
1.333
1.375
1.371
1.390
1.471
1.544
1.688
1.717
1.847
1.747
2.002
7.123
8.025
9.430
12.728
14.974
14.915
14.915
15.369
14.739
14.888
15.004
15.266
15.699
16.277
16.576
17.124
17.537
15.101
16.842
19.114
23.863
27.072
27.122
26.918
28.374
26.261
26.683
27.308
28.323
30.069
31.306
31.917
33.057
34.165

Total
125
126
Tabel 4.5 Kredit BPD Berdasarkan Sektor Ekonomi (Credit of Regional Development Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.324
1.640
2.030
2.275
3.022
3.182
3.066
3.123
3.143
3.148
3.197
3.292
3.283
3.532
3.751
3.781
3.927
33
56
58
43
235
270
270
300
312
364
384
388
475
490
615
620
670
400
421
462
631
817
815
803
836
829
914
945
943
964
1.071
1.082
1.128
1.112
11
11
29
228
213
218
261
258
386
447
450
451
729
724
799
809

2.148
2.503
3.790
5.140
8.476
6.458
5.514
5.713
6.099
6.640
7.141
8.017
8.597
9.470
9.831
10.370
10.263
6.293
7.539
8.242
9.619
12.380
12.060
11.919
12.315
12.644
13.028
13.502
14.015
14.221
14.513
14.908
15.093
15.231
286
375
400
463
1.456
1.655
1.804
1.742
1.741
1.782
1.794
1.791
1.812
1.808
1.832
1.873
1.857
1.964
1.774
1.802
2.198
3.389
3.401
3.300
3.464
3.564
3.714
3.793
3.989
4.292
4.485
4.657
4.859
4.999
846
925
862
967
1.043
1.528
1.589
1.571
1.536
1.754
1.554
1.535
1.765
1.782
1.828
1.744
1.708
23.929
29.686
38.299
50.515
66.450
66.803
67.888
69.118
70.753
72.220
74.567
76.637
77.938
79.516
80.440
81.607
82.685
37.232
44.931
55.955
71.881
97.497
96.385
96.371
98.443
100.880
103.949
107.325
111.057
113.797
117.396
119.667
121.874
123.260

Total
Tabel 4.6 Kredit Bank Campuran Berdasarkan Sektor Ekonomi (Credit of Joint Venture Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.163
1.908
2.331
4.597
4.156
4.018
4.054
4.079
4.631
4.348
4.337
4.567
4.632
4.225
4.057
4.413
4.755
358
477
755
1.753
2.776
2.196
2.333
2.485
2.809
2.581
2.365
2.486
2.453
3.057
2.947
2.977
3.234
18.977
18.989
17.451
23.774
36.251
30.568
31.545
31.647
34.269
32.208
31.155
29.992
29.085
29.678
28.425
29.301
29.630
236
56
186
313
413
256
244
350
220
243
233
216
210
213
192
191
288

538
954
1.520
1.167
1.573
1.487
1.562
1.906
1.992
1.806
1.712
1.682
1.618
1.674
1.599
1.702
1.824
2.558
3.631
4.467
6.691
9.246
7.108
7.268
7.602
10.493
10.332
10.802
9.767
9.745
10.287
9.874
10.062
9.118
560
1.043
2.588
2.330
5.785
5.147
5.162
5.236
5.678
5.391
5.336
5.250
5.248
5.375
6.354
6.544
7.127
4.923
6.989
7.823
13.516
20.693
18.200
17.447
17.322
17.815
16.443
16.530
16.960
16.702
17.061
17.595
18.012
15.976
347
376
396
461
573
602
632
649
813
766
744
732
713
702
603
776
920
1.253
2.513
3.315
3.917
6.171
6.267
6.254
6.343
6.750
7.002
7.036
7.108
7.127
7.235
7.285
7.310
7.433
30.914
36.937
40.833
58.520
87.638
75.849
76.503
77.618
85.471
81.120
80.250
78.761
77.534
79.506
78.930
81.288
80.303

Total
127
128
Tabel 4.7 Kredit Bank Asing Berdasarkan Sektor Ekonomi (Credit of Foreign Owned Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des
Des
Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
972
1.681
3.397
3.220
3.078
2.366
2.520
2.643
2.906
2.714
2.645
2.510
2.518
2.298
2.037
1.870
1.914
688
963
1.852
2.440
3.242
3.047
2.909
3.300
3.509
3.213
2.972
2.662
3.728
4.360
3.516
3.367
3.224
19.846
29.311
31.837
32.753
49.075
43.788
43.671
44.088
40.959
36.775
36.198
34.495
34.702
35.024
33.322
33.015
33.614
240
125
15
40
194
153
124
105
67
60
371
368
1.706
1.744
1.673
1.654
593

341
536
1.183
1.866
4.665
3.885
3.908
3.554
3.259
3.446
3.312
3.292
3.680
3.128
2.650
2.812
2.774
1.554
2.038
2.631
5.035
7.230
6.130
7.659
8.146
7.821
7.128
7.423
6.897
6.584
7.005
6.611
6.952
7.032
846
862
2.322
2.039
6.244
5.756
6.012
6.316
5.391
5.035
4.679
4.799
4.686
4.824
4.594
3.928
3.537
9.128
12.139
12.002
15.711
25.068
23.801
24.156
24.277
23.129
21.581
21.276
21.488
21.204
21.394
21.617
21.438
20.719
418
291
512
666
1.378
1.326
1.364
1.347
1.335
1.260
1.235
1.220
1.204
920
358
427
302
10.159
14.989
17.479
20.086
22.647
23.120
23.176
22.748
21.676
22.029
21.674
21.925
22.029
22.320
22.627
22.333
22.871
44.193
62.935
73.230
83.856
122.821
113.372
115.499
116.522
110.054
103.240
101.785
99.657
102.040
103.018
99.005
97.796
96.581

Total
Tabel 4.8 Kredit Bank Umum Berdasarkan Sektor Ekonomi per Wilayah (November 2009)
(Credit of Commercial Banks Based on Economic Sector by Region)
Wilayah
Pertanian
Pertambangan Perindustrian
Listrik, Gas
dan Air
Pengangkutan,
Perdagangan,
Konstruksi Restoran dan Pergudangan
dan
Hotel
Komunikasi
Jasa Dunia
Usaha
Jasa Sosial/
Masyarakat
Lainnya

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat
Lainnya (Others)
2.135
121
34.536
252
2.305
4.912
309
1.300
267
10.120
1.705
4.471
2.782
505
43
2.439
1.643
1.268
1.106
1.248
175
646
347
74
84
157
130
478
78
41
134
65
106
676
213
48
30.144
7
112
385
62
27
22
56
52
67
50
86
102
37
458
17
919
25
52
23
33
1
2
11
13
4
3
10
3
1.250
16.720
2.567
138.586
657
15.797
36.568
103
426
579
17.453
1.085
1.599
1.341
1.495
241
1.608
696
525
801
75
146
1.882
221
6
20
49
57
564
20
8
32
4
8
1.861
471
17
21.226
34
61
438
7
27
29
83
4
37
21
45
0
15
39
79
142
0
5
34
0
0
0
2
13
2
0
22
0
669
3.608
1.015
35.892
160
1.473
4.873
165
234
773
2.554
269
1.118
1.696
1.061
148
412
703
384
3.357
218
230
1.718
472
48
72
228
114
444
208
251
450
145
250
402
24.841
4.485
98.262
2.926
27.070
37.126
1.213
2.692
3.387
17.363
4.260
5.591
5.583
2.282
765
5.466
2.938
2.896
5.553
1.049
2.661
9.726
2.930
663
824
1.365
1.943
7.492
1.643
681
1.990
434
683
1.619
6.028
111
56.009
100
923
2.999
28
110
30
1.226
177
547
193
254
22
328
651
383
1.173
24
107
420
61
1
10
31
44
122
31
25
80
15
71
152
6.458
2.006
106.346
817
2.897
6.388
200
337
337
3.640
665
1.553
1.248
1.005
29
441
1.114
521
3.398
114
92
1.941
546
16
26
158
165
1.166
84
34
475
17
110
1.759
1.964
290
7.985
244
755
1.582
72
144
77
514
126
261
147
89
26
130
78
60
293
12
22
323
89
30
52
19
40
510
12
5
19
15
24
109
48.331
19.556
156.874
4.770
29.257
30.374
2.695
3.806
6.742
17.857
6.956
8.656
8.328
4.782
1.135
5.112
5.200
4.934
7.756
2.794
3.647
14.350
5.771
845
1.536
2.615
4.696
8.087
4.622
1.892
3.082
965
962
62
Total
76.657
34.294
243.799
23.524
65.147
290.402
72.488
146.103
16.115
429.049
129
130
Tabel 4.9 Kredit Bank Umum Berdasarkan Jenis Penggunaan (Credit of Commercial Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des Des
2004 2005 2006 2007
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
3.655
12.127
273.885
3.852
11.876
338.829
5.002
13.079
396.667
6.348
16.000
510.892
12.191
20.663
672.513
10.840
18.963
654.870
10.368
18.358
634.632
10.280
18.926
640.085
9.943
20.283
641.384
10.454
20.685
628.004
11.794
22.302
624.042
11.811
21.218
641.182
11.992
18.818
634.475
11.471
19.361
646.315
11.132
18.347
646.620
11.101
17.827
648.291
11.075
17.569
654.948
289.666
354.557
414.749
533.240
705.366
684.672
663.357
669.291
671.611
659.143
658.139
674.211
665.285
677.147
676.099
677.219
683.592
Investasi (Investments)
Properti (Property)
Lainnya (Others)
3.074
8.830
106.819
3.276
9.818
121.305
6.086
11.706
133.418
9.433
14.256
162.529
12.108
16.385
227.491
11.592
16.813
227.495
11.696
17.419
230.202
11.898
17.782
233.664
11.531
18.403
232.157
11.688
18.633
230.256
11.592
18.768
232.102
11.475
21.669
235.837
11.273
21.495
241.563
11.383
21.363
247.594
11.214
20.366
246.926
11.067
20.508
249.704
19.583
20.943
246.380
Total Investasi (Total Investments)
118.723
134.400
151.209
186.218
255.984
255.900
259.317
263.344
262.091
260.578
262.461
268.981
274.331
280.340
278.506
281.278
286.905
15.026
21.568
33.209
38.481
48.530
49.766
50.296
50.237
50.723
51.239
52.004
52.559
53.170
53.830
54.344
54.984
55.530
15.521
24.543
27.749
39.482
50.954
51.184
50.865
50.764
50.658
51.417
51.736
52.552
53.341
54.417
55.134
56.113
57.255
KPR dan Apartemen > Tipe 70
(Housing and Apartements > Type 70)
Ruko dan Rukan
Lainnya (Others)
1.872
2.593
3.373
5.462
7.012
6.930
6.852
6.829
6.848
6.927
6.950
7.065
7.257
7.462
7.621
7.926
8.019
118.662
157.987
162.008
199.128
257.477
259.236
259.153
261.379
263.460
268.330
274.088
279.673
284.732
292.747
294.372
300.041
306.276
151.081
206.691
226.339
282.553
363.973
367.117
367.165
369.209
371.688
377.914
384.777
391.849
398.500
408.455
411.470
419.064
427.080
Total
559.470
695.648
792.297 1.002.012 1.325.323 1.307.688 1.289.839 1.301.844 1.305.389 1.297.635 1.305.377 1.335.041 1.338.116 1.365.942 1.366.076 1.377.561 1.397.578
Tabel 4.10 Kredit Bank Persero Berdasarkan Jenis Penggunaan (Credit of State Owned Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Properti (Property)
Lainnya (Others)
Des
Des
Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1.868
1.842
10.368
8.755
94.585 112.128
2.167
9.183
137.324
3.166
10.791
174.095
6.049
12.990
230.556
6.347
12.822
230.613
5.867
12.673
222.909
5.895
13.208
226.903
5.616
13.675
231.888
5.586
14.989
230.968
5.748
16.672
229.537
5.976
15.979
243.823
6.004
13.925
240.089
6.152
14.246
242.851
6.176
13.173
241.935
6.459
12.856
242.044
6.499
12.277
245.955
106.820 122.724
148.675
188.052
249.595
249.782
241.449
246.006
251.179
251.543
251.958
265.779
260.018
263.250
261.284
261.359
264.731
Properti (Property)
Lainnya (Others)
298
5.789
53.227
612
6.337
54.464
1.603
7.890
53.435
2.251
9.887
61.595
1.865
11.147
85.183
1.689
11.242
83.306
1.749
11.361
84.978
1.766
11.579
86.750
1.693
12.426
87.361
1.648
12.816
87.600
1.628
12.960
88.953
1.570
15.560
90.276
1.556
15.691
93.254
1.554
15.668
96.757
1.510
14.917
95.079
1.393
15.013
97.146
1.673
15.291
97.761
59.314
61.413
62.928
73.733
98.195
96.237
98.088
100.096
101.481
102.065
103.542
107.406
110.501
113.979
111.507
113.552
114.726
10.415
14.801
24.271
27.057
35.044
36.347
36.863
37.110
37.627
38.146
38.804
39.227
39.790
40.301
40.722
41.228
41.629
1.947
3.865
3.716
6.853
10.393
11.347
11.142
11.428
11.767
12.114
12.318
12.821
13.174
13.505
13.773
14.073
14.276
288
319
366
698
1.114
1.118
1.103
1.102
1.120
1.141
1.157
1.190
1.210
1.233
1.252
1.349
1.244
44.071
53.290
47.954
59.758
75.559
75.834
75.325
75.750
77.424
79.474
83.384
85.460
88.031
91.607
89.574
92.520
94.642
56.721
72.276
76.307
94.366
122.111
124.646
124.434
125.389
127.937
130.875
135.663
138.699
142.205
146.646
145.322
149.170
151.791
222.855 256.413
287.910
356.151
469.900
470.665
463.971
471.491
480.597
484.482
491.163
511.883
512.725
523.875
518.113
524.081
531.249
Ruko dan Rukan
Lainnya (Others)
Total
131
132
Tabel 4.11 Kredit BUSN Devisa Berdasarkan Jenis Penggunaan

(Credit of Foreign Exchange Commercial Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des Des
2004 2005 2006 2007
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
1.397
1.554
720
968
107.609 137.986
2.233
2.205
161.558
2.236
2.334
214.144
3.240
3.598
264.296
3.057
4.803
269.486
3.083
4.412
256.683
3.101
4.506
255.202
2.796
2.648
253.338
2.786
2.257
249.025
4.006
2.057
247.699
4.238
2.027
251.662
3.850
1.791
246.236
3.633
1.711
252.104
3.458
1.782
256.281
3.333
1.679
254.547
3.146
1.785
261.584
109.726 140.508
165.997
218.715
271.134
277.345
264.178
262.808
258.782
254.069
253.763
257.927
251.877
257.448
261.521
259.558
266.514
Properti (Property)
Lainnya (Others)
2.488
1.818
43.183
2.419
2.199
53.203
3.984
2.705
61.010
6.495
3.279
78.254
9.724
3.720
104.153
9.234
3.759
102.550
9.248
3.697
102.915
9.446
3.725
103.132
9.032
3.442
101.002
9.160
3.484
100.512
9.053
3.486
100.378
8.865
3.788
102.523
8.739
3.771
104.013
8.775
3.633
104.467
8.617
3.586
105.434
8.443
3.631
106.238
16.691
3.393
100.584
47.488
57.821
67.699
88.028
117.597
115.543
115.859
116.303
113.476
113.156
112.917
115.176
116.523
116.875
117.637
118.312
120.667
3.892
5.744
7.571
9.657
11.332
11.221
11.255
10.880
10.756
10.732
10.750
10.826
10.802
10.923
10.989
11.072
11.184
12.654
19.474
22.577
30.608
38.045
37.350
37.230
36.809
36.320
36.462
36.497
36.721
37.108
37.795
38.227
38.851
39.808
1.400
2.046
2.574
4.117
5.521
5.447
5.384
5.357
5.329
5.380
5.391
5.457
5.630
5.801
5.940
6.135
6.354
34.016
51.998
48.838
56.617
76.765
77.389
76.671
77.239
77.464
78.360
78.229
79.254
80.011
81.999
84.131
85.536
87.491
51.962
79.262
81.561
101.000
131.663
131.406
130.540
130.285
129.869
130.934
130.866
132.257
133.551
136.517
139.287
141.594
144.838
209.176 277.591
315.256
407.742
520.394
524.295
510.577
509.396
502.127
498.159
497.546
505.360
501.951
510.840
518.445
519.464
532.020
Ruko dan Rukan
Lainnya (Others)
Total
Tabel 4.12 Kredit BUSN Non Devisa Berdasarkan Jenis Penggunaan

(Credit of Non-Foreign Exchange Commercial Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des Des
2004 2005 2006 2007
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
118
344
5.720
83
440
6.171
50
12
7.799
44
13
8.895
111
31
9.327
112
35
9.462
110
35
9.266
145
50
9.907
132
52
8.430
145
49
8.644
140
49
9.031
136
48
9.409
147
48
10.114
154
47
10.549
81
53
10.750
81
53
11.076
81
51
11.412
6.181
6.693
7.861
8.952
9.469
9.609
9.410
10.103
8.613
8.839
9.220
9.593
10.309
10.751
10.884
11.210
11.543
Properti (Property)
Lainnya (Others)
13
252
1.549
19
280
1.843
19
10
1.807
22
11
2.174
49
12
2.579
80
12
2.517
80
11
2.515
111
68
2.738
102
68
2.748
85
65
2.826
109
64
2.931
148
64
3.283
157
72
3.867
155
86
4.079
164
84
4.260
157
82
4.539
161
81
4.903
1.814
2.142
1.836
2.208
2.640
2.609
2.606
2.917
2.918
2.976
3.104
3.495
4.097
4.320
4.508
4.778
5.145
232
236
240
209
226
216
212
255
238
241
243
244
258
260
265
273
279
472
612
710
1.024
1.046
1.023
994
1.001
959
948
951
966
972
989
980
993
998
Ruko dan Rukan
Lainnya (Others)
62
76
64
60
108
103
104
113
112
116
112
109
124
128
129
130
124
6.341
7.083
8.402
11.411
13.583
13.561
13.592
13.985
13.421
13.564
13.679
13.916
14.309
14.857
15.150
15.674
16.075
7.106
8.007
9.417
12.704
14.963
14.904
14.902
15.354
14.730
14.869
14.985
15.235
15.664
16.235
16.524
17.069
17.476
15.101
16.842
19.114
23.863
27.072
27.122
26.918
28.374
26.261
26.683
27.308
28.323
30.069
31.306
31.917
33.057
34.165
Total
133
134
Tabel 4.13 Kredit BPD Berdasarkan Jenis Penggunaan (Credit of Regional Development Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Properti (Property)
Lainnya (Others)
Des
Des
Des Des
2004 2005 2006 2007
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
68
67
9.922
54
75
11.119
61
146
12.913
174
198
15.337
517
217
21.755
581
215
19.921
581
197
19.009
437
196
19.870
431
198
20.384
427
196
21.342
430
193
21.983
522
193
23.171
593
200
24.102
595
328
25.231
500
497
25.931
315
431
26.853
498
436
26.744
10.057
11.249
13.120
15.709
22.489
20.717
19.787
20.503
21.013
21.965
22.606
23.886
24.895
26.154
26.927
27.599
27.678
Properti (Property)
Lainnya (Others)
37
92
3.166
42
96
3.899
57
86
4.431
96
79
5.516
124
110
8.356
129
113
8.653
136
114
8.475
142
115
8.593
148
129
8.865
156
118
9.505
170
106
9.890
254
136
10.157
185
129
10.664
194
128
11.419
202
125
11.988
377
145
12.164
386
150
12.375
3.295
4.036
4.574
5.690
8.590
8.896
8.726
8.850
9.142
9.779
10.166
10.546
10.978
11.741
12.315
12.687
12.911
445
746
1.088
1.490
1.829
1.885
1.870
1.893
1.934
1.950
1.985
2.038
2.096
2.125
2.149
2.186
2.239
111
131
150
301
500
501
548
567
617
647
699
729
751
779
810
841
860
Ruko dan Rukan
Lainnya (Others)
114
142
360
578
248
244
242
239
238
239
240
260
247
253
254
266
264
23.210
28.627
36.662
48.112
63.843
64.143
65.198
66.391
67.936
69.370
71.629
73.597
74.830
76.344
77.212
78.294
79.308
23.880
29.645
38.261
50.481
66.419
66.773
67.859
69.090
70.725
72.205
74.553
76.624
77.924
79.501
80.425
81.588
82.671
Total
37.232
44.931
55.955
71.881
97.497
96.385
96.371
98.443
100.880
103.949
107.325
111.057
113.797
117.396
119.667
121.874
123.260
Tabel 4.14 Kredit Bank Campuran Berdasarkan Jenis Penggunaan (Credit of Joint Venture Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des Des
2008
2004 2005 2006 2007
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
144
613
24.712
168
915
27.508
304
947
28.631
329
1.771
42.377
501
2.926
56.753
550
541
49.358
540
473
49.222
543
324
49.766
835
2.858
53.641
849
2.549
50.439
824
2.690
49.603
794
2.441
48.524
781
2.311
47.694
798
2.496
48.632
803
2.329
47.881
804
2.303
50.133
760
2.518
48.513
25.469
28.592
29.882
44.477
60.180
50.449
50.235
50.634
57.334
53.836
53.117
51.759
50.785
51.926
51.014
53.241
51.792
Properti (Property)
Lainnya (Others)
238
788
3.165
165
834
4.832
272
865
6.499
325
809
8.992
346
1.207
19.735
307
1.515
17.311
335
2.062
17.618
288
2.113
18.241
427
2.163
18.796
533
1.992
17.757
538
2.001
17.559
556
1.971
17.366
566
1.689
17.366
644
1.705
17.996
672
1.516
18.443
658
1.502
18.578
643
1.895
18.541
4.191
5.832
7.636
10.126
21.287
19.133
20.014
20.642
21.387
20.282
20.097
19.893
19.621
20.346
20.631
20.737
21.079
22
26
23
28
47
44
44
44
113
114
164
164
164
160
157
157
133
53
109
152
177
346
328
317
320
564
566
574
604
609
615
610
614
566
Ruko dan Rukan
Lainnya (Others)
21
19
18
18
49
51
50
49
45
46
46
47
32
1.169
2.368
3.131
3.703
5.757
5.876
5.875
5.960
6.025
6.271
6.247
6.291
6.310
6.413
6.472
6.492
6.701
1.253
2.513
3.315
3.917
6.171
6.267
6.254
6.343
6.750
7.002
7.036
7.108
7.127
7.235
7.285
7.310
7.433
30.914
36.937
40.833
58.520
87.638
75.849
76.503
77.618
85.471
81.120
80.250
78.761
77.534
79.506
78.930
81.288
80.303
Total
135
136
Tabel 4.15 Kredit Bank Asing Berdasarkan Jenis Penggunaan (Credit of Foreign Owned Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Des
Des
Des Des
2008
2004 2005 2006 2007
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov

Properti (Property)
Lainnya (Others)
60
15
31.337
151
723
43.917
186
586
48.441
400
892
56.044
1.773
900
89.826
193
548
76.030
186
568
77.544
159
643
78.437
134
853
73.703
661
645
67.585
647
641
66.188
144
530
64.593
616
543
66.241
139
532
66.947
115
514
63.842
109
505
63.637
92
501
60.740
31.412
44.791
49.214
57.336
92.500
76.771
78.299
79.238
74.689
68.891
67.476
65.267
67.400
67.618
64.470
64.252
61.333
Properti (Property)
Lainnya (Others)
91
2.530
19
72
3.064
152
149
6.235
244
192
5.998
189
7.486
153
172
13.157
148
176
13.701
145
182
14.209
129
176
13.384
107
158
12.055
94
151
12.390
83
150
12.231
69
143
12.399
60
143
12.877
48
137
11.722
38
136
11.038
28
132
12.216
2.621
3.156
6.536
6.434
7.675
13.481
14.024
14.537
13.688
12.320
12.635
12.464
12.611
13.081
11.908
11.212
12.377
19
16
15
39
51
51
52
55
55
56
58
61
60
60
62
67
66
284
352
443
520
624
635
633
639
432
681
697
710
726
734
733
740
747
9.855
14.621
17.021
19.528
21.971
22.434
22.492
22.054
21.190
21.292
20.919
21.154
21.242
21.526
21.832
21.525
22.058
10.159
14.989
17.479
20.086
22.647
23.120
23.176
22.748
21.676
22.029
21.674
21.925
22.029
22.320
22.627
22.333
22.871
Total
44.193
62.935
73.230
83.856
122.821
113.372
115.499
116.522
110.054
103.240
101.785
99.657
102.040
103.018
99.005
97.796
96.581
Ruko dan Rukan
Lainnya (Others)
Tabel 4.16 Kredit Bank Umum Berdasarkan Jenis Penggunaan per Wilayah (November 2009)
(Credit of Commercial Banks Based on Type of Use by Region)
Modal Kerja
Wilayah
Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat
Lainnya (Others)
Total
Properti
Agrobisnis
Investasi
Lainnya
Properti
Agrobisnis
Lainnya
KPR dan
Apartemen
s.d Tipe 70
Konsumsi
KPR dan
Ruko dan
Apartemen
Rukan
> Tipe 70
Lainnya
1.042
806
4.021
75
316
948
93
33
136
333
31
171
162
407
51
101
206
41
284
16
28
517
239
0
15
50
17
128
13
0
38
8
1
748
464
10
8.912
96
1.109
2.784
82
51
31
1.363
163
214
299
1
2
544
117
22
15
23
49
303
74
4
21
36
39
126
37
8
18
58
8
486
49.713
7.812
330.421
3.765
43.914
76.274
1.531
3.492
4.255
35.910
5.538
8.125
8.648
3.851
1.121
7.558
4.535
3.718
10.050
1.409
2.910
11.855
3.438
662
909
1.487
2.079
7.638
1.815
842
2.269
475
954
5.975
313
129
16.457
17
246
882
70
162
31
135
14
110
67
292
20
8
44
41
277
3
4
52
3
2
6
7
26
66
4
0
30
2
59
3
186
46
11.121
19
91
346
28
362
78
3.072
445
1.370
1.047
126
19
165
670
406
46
825
15
45
13
17
3
63
8
32
3
5
18
3
6
242
10.951
1.872
158.120
1.312
6.258
14.597
364
1.211
992
12.240
2.186
5.267
2.869
2.151
164
2.520
2.795
1.920
6.079
505
492
3.989
944
160
146
380
358
2.851
225
200
842
151
228
1.040
11.956
3.839
12.280
746
3.337
4.787
161
712
320
1.661
577
2.109
1.415
2.088
89
645
1.242
455
1.109
312
264
2.849
625
17
164
210
290
959
51
23
196
18
24
-
5.501
2.069
29.263
827
2.557
5.093
111
258
208
2.698
369
646
633
644
58
474
638
354
1.271
136
101
1.526
309
43
67
138
141
784
88
46
126
23
55
-
425
193
3.091
44
297
494
26
70
147
557
68
308
265
223
9
103
108
108
247
20
35
832
88
2
3
76
20
43
12
11
73
2
16
-
30.219
13.440
112.173
3.066
22.525
19.439
2.390
2.753
6.043
12.899
5.909
5.579
5.985
1.823
980
3.869
3.163
4.004
5.119
2.312
3.240
9.096
4.737
777
1.288
2.186
4.226
6.253
4.454
1.801
2.683
920
865
62
11.075
17.569
654.948
19.583
20.943
246.380
55.530
57.255
8.019
306.276
137
138
Tabel 4.17 Kredit Bank Umum Berdasarkan Lokasi Bank Penyalur (Credit of Commercial Bank Based on Location of Banks)
Des
Lokasi (Location)
Des
Des Des
2008
2004 2005 2006 2007 Nov

77.007
20.754
507.496
7.843
56.736
92.270
2.956
5.641
6.606
53.439
11.247
15.787
13.566
8.136
1.474
11.657
9.020
6.830
15.731
3.293
4.600
21.478
6.650
998
1.515
2.783
4.747
12.592
4.202
1.427
3.536
837
1.196
7.959
Des
96.740 97.419
27.881 28.254
689.768 674.870
9.417
9.138
72.856 72.972
116.304 115.892
4.177
4.232
7.585
7.593
9.235
9.334
67.637 65.643
13.320 13.553
20.588 20.304
17.330 17.524
10.679 10.605
2.331
2.359
14.677 14.737
11.845 11.803
9.017
9.182
20.943 20.474
4.342
4.319
5.860
5.936
27.280 27.205
8.896
9.048
1.398
1.693
2.019
2.065
3.814
3.788
5.978
5.976
16.035 16.298
5.387
5.404
2.183
2.168
4.921
4.905
1.238
1.246
1.705
1.786
11.938
9.964
2009
Jan
Feb
Mar
96.119
29.158
667.578
9.114
70.908
112.206
4.146
7.535
9.111
64.988
13.377
20.162
16.736
10.420
2.226
14.596
11.640
9.073
20.194
4.309
5.726
26.859
8.881
1.394
2.052
3.777
5.954
16.203
5.299
2.150
4.722
1.256
1.664
10.306
96.884 98.088
30.041 30.391
670.748 665.408
9.169
9.300
71.783 73.103
114.220 115.704
4.231
4.360
7.573
7.748
9.195
9.574
65.291 64.711
13.419 13.663
20.347 20.684
17.245 17.894
10.604 10.474
2.279
2.456
15.251 15.118
11.727 12.260
9.103
9.380
20.464 21.019
4.422
4.532
5.775
6.000
27.032 27.587
9.041
9.216
1.336
1.443
2.106
2.158
3.839
3.941
6.018
6.245
16.456 16.747
5.339
5.524
2.216
2.321
4.779
5.004
1.322
1.362
1.677
1.724
10.912 10.248
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
98.531
31.251
653.763
9.384
72.904
115.157
4.480
7.900
9.849
64.659
13.955
21.088
18.230
10.337
2.630
15.592
12.391
9.563
21.338
4.655
6.137
27.941
9.290
1.446
2.218
4.020
6.381
16.954
5.643
2.371
5.100
1.407
1.769
9.300
99.753
27.818
658.475
9.326
73.235
116.368
4.616
8.083
10.169
63.670
14.324
21.449
18.633
10.428
2.596
16.083
12.522
9.871
21.566
4.854
6.294
28.503
9.463
1.502
2.278
4.078
6.488
17.158
5.818
2.458
5.267
1.452
1.828
8.953
104.751
29.391
666.946
9.584
75.610
118.692
4.789
8.392
10.593
66.057
14.921
22.172
19.367
10.666
2.676
15.123
12.952
10.112
22.261
5.104
6.570
29.308
9.761
1.563
2.370
4.228
6.657
17.577
6.059
2.586
5.607
1.507
1.972
9.116
105.496
29.063
665.829
9.457
75.794
119.594
4.861
8.599
10.854
66.626
14.884
22.395
19.455
11.054
2.611
15.211
12.944
10.084
22.433
5.171
6.654
29.350
9.827
1.606
2.411
4.275
6.782
17.658
6.182
2.616
5.833
1.554
2.030
8.924
107.303
28.582
680.693
9.575
77.570
121.315
4.954
8.810
11.284
68.732
15.039
23.004
19.918
11.224
2.711
15.357
13.119
10.353
23.138
5.277
6.827
30.009
10.059
1.627
2.473
4.369
6.920
18.022
6.368
2.716
5.981
1.593
1.972
9.048
108.479
29.149
672.416
9.767
79.207
123.846
4.814
8.869
11.515
68.285
15.072
23.258
20.272
11.395
2.815
15.604
13.293
10.595
23.510
5.382
6.946
30.334
10.144
1.639
2.546
4.459
6.981
18.314
6.412
2.822
6.091
1.552
2.100
8.193
109.705
29.166
675.188
9.852
80.162
125.476
4.876
9.001
11.928
68.827
14.878
23.565
20.696
11.530
2.871
15.640
13.374
10.931
24.040
5.467
7.021
30.707
10.304
1.662
2.574
4.553
7.114
18.624
6.624
2.881
6.226
1.633
2.182
8.281
110.769
30.216
685.860
9.967
80.651
125.646
4.854
9.104
12.243
70.867
15.300
23.900
21.390
11.605
2.512
15.988
13.519
11.069
24.498
5.559
7.137
31.064
10.471
1.685
2.624
4.633
7.204
18.880
6.703
2.936
6.294
1.660
2.216
8.556

Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Gorontalo
Bali
Maluku
Papua
Irian Jaya Barat
Lainnya (Others)
43.643
8.571
288.878
4.381
34.465
52.438
1.292
2.903
3.120
25.941
6.776
14.134
7.399
692
4.648
4.664
4.111
8.753
1.770
2.485
11.924
3.430
1.234
744
2.479
7.797
2.113
603
2.071
330
5.683
54.179
13.645
355.076
5.723
42.105
67.082
1.648
3.592
3.396
34.047
7.614
17.655
9.072
968
6.242
5.765
4.836
11.093
2.130
3.036
15.019
4.054
1.581
952
3.091
9.549
2.580
833
2.502
440
6.143
63.398
17.957
396.230
6.487
47.801
74.028
2.086
4.347
4.610
40.784
8.838
20.454
10.617
1.635
7.919
6.899
5.448
12.458
2.576
3.588
17.734
5.133
1.993
1.126
3.677
10.606
3.196
1.064
3.420
648
5.541
Total
559.470
695.648
792.297 1.002.012 1.325.323 1.307.688 1.289.839 1.301.844 1.305.389 1.297.635 1.305.377 1.335.041 1.338.116 1.365.942 1.366.076 1.377.561 1.397.578
Tabel 4.18 Kredit Bank Umum Berdasarkan Hubungan Dengan Bank

(Credit of Commercial Banks Based on Bank Relationship)
Des
Kredit Kepada Pihak Tidak Terkait
Des Des
Des
2004 2005 2006 2007
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
549.358
681.214
779.716
987.064 1.316.148 1.298.182
1.280.551 1.292.275 1.296.274 1.288.155 1.296.764 1.325.964 1.328.584 1.355.909 1.356.197 1.414.000 1.379.387
474.810
570.781
669.203
885.304 1.189.846 1.181.095
1.149.870 1.154.388 1.158.431 1.150.059 1.156.564 1.191.116 1.193.179 1.217.756 1.213.470 1.275.560 1.234.225
49.663
59.346
62.683
61.070
80.250
75.304
84.487
89.552
86.571
85.469
86.171
82.268
81.155
83.886
90.884
85.595
91.876
10.673
15.395
9.181
5.866
9.067
8.119
9.898
9.971
13.362
13.867
13.771
11.776
13.924
13.702
11.881
12.303
13.625
4.213
11.066
5.868
3.487
6.131
5.402
6.630
8.252
9.371
9.628
9.875
10.058
9.573
9.395
9.142
8.557
8.788
e. Macet (Lost)
9.999
24.626
32.781
31.337
30.855
28.262
29.666
30.112
28.539
29.133
30.384
30.746
30.753
31.169
30.820
31.986
30.874
24.886
51.087
47.829
40.690
46.052
41.784
46.194
48.335
51.272
52.627
54.029
52.579
54.250
54.267
51.843
52.845
53.286
4,43
7,36
6,04
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
12.033
12.912
12.582
14.948
9.175
9.506
9.288
9.569
9.116
9.480
8.613
9.077
9.533
10.033
9.879
19.268
18.191
11.719
11.710
11.601
14.791
8.748
9.150
8.958
9.216
8.881
9.347
8.387
8.809
9.187
9.685
9.546
18.906
17.830
279
913
753
80
285
267
228
247
174
72
167
208
278
280
206
234
231
11
43
108
57
69
69
26
26
26
31
27
28
100
100
85
15
12
10
a. Lancar (Current)
Non Performing Loan Pihak Tidak Terkait

Rasio Non Performing Loan Pihak Tidak Terkait (%)
Kredit Kepada PihakTerkait

a. Lancar (Current)
e. Macet (Lost)
Non Performing Loan Pihak Terkait
Rasio Non Performing Loan Pihak Terkait (%)
19
232
224
68
29
28
30
33
30
30
29
26
28
31
21
23
41
35
289
228
77
142
89
102
106
60
60
59
60
67
68
127
128
130
0,01
0,04
0,03
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
0,00
139
140
Tabel 4.19 Kredit yang Penarikannya Menggunakan Kartu (Credit Withdrawn by Credit Card)
Des Des
Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
1. Bank Persero (State Owned Banks)
4.973
4.652
5.131
5.137
5.104
5.184
5.259
5.475
5.601
5.716
5.818
5.803
5.986
2. BUSN Devisa (Foreign Exchange Commercial Banks)
9.150
9.501
9.203
9.704
9.399
10.176
10.338
10.702
10.894
11.113
11.584
11.387
11.722
3. BUSN Non Devisa (Non-Foreign Exchange Commercial Banks)
5. Bank Campuran (Joint Venture Banks)
2.195
2.259
2.304
2.361
2.386
2.468
2.525
2.598
2.664
2.712
2.737
2.751
2.802
6. Bank Asing (Foreign Owned Banks)
12.867
13.287
13.297
13.184
12.396
12.736
12.740
13.017
13.122
13.277
13.499
13.515
13.785
7. Bank Umum (Commercial Bank)
29.188
29.701
29.937
30.388
29.291
30.569
30.868
31.793
32.283
32.820
33.639
33.458
34.296
Tabel 4.20 Penerusan Kredit (Off - Balance Sheet ) Bank Umum Berdasarkan Sektor Ekonomi
(Channelling Credit of Commercial Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des Des
Des
2004 2005 2006 2007
2008
2009
Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
8.339
6.874
7.707
7.680
7.728
7.694
7.700
7.708
7.689
7.674
7.637
7.640
7.615
7.604
7.581
7.580
7.580
1.149
1.173
1.536
1.461
973
884
922
969
935
859
775
730
710
700
672
665
658
1.188
1.399
1.401
1.295
1.277
1.264
1.249
1.248
1.238
1.224
1.222
11.967 11.789
9.081
8.760
8.674
8.409
8.417
8.128
8.096
7.774

2.171
1.603
1.193
1.396
1.363
1.387
10.145
10.144
9.668 10.995
11.519
12.550
11.719
1.982
2.878
11.946 13.204
17.177
15.957
7.148
7.161
6.934
8.211
7.881
7.633
7.412
9.611
9.397
9.208
9.426
404
379
908
1.217
771
766
746
746
730
626
645
35.659
655
654
648
640
659
4.537
2.626
2.105
2.684
3.015
2.873
2.937
2.933
2.848
2.680
2.571
2.566
2.475
2.511
2.479
2.438
2.466
591
575
541
684
508
580
547
1.027
1.024
931
1.171
1.192
478
484
496
471
464

Total
185
153
192
301
216
213
205
213
292
290
288
276
273
286
288
285
283
6.088
8.112
4.919
4.258
3.278
3.083
3.035
3.118
3.057
2.823
2.809
2.881
2.826
2.916
2.890
2.890
2.824
35.591
34.517
40.710 43.675
46.581
45.962
36.347
37.242 36.699
34.470
33.814
68.514 32.102
34.431
33.817
33.496
33.356
141
142
Tabel 4.21 Penerusan Kredit (Off - Balance Sheet ) Bank Umum Berdasarkan Jenis Kredit dan Golongan Penyalur
(Channelling Credit of Commercial Banks Based on Type of Credit and Type of Creditor)
Des
Des Des
Des
2004 2005 2006 2007

Berdasarkan Jenis Kredit (type of Credit)
1. Kredit Usaha Kecil (Microfinancing)
a. Dalam rangka penerusan kredit dari BI
b. Lainnya (Others)
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 (Type of Creditor)
1. Koperasi
2. Lembaga Swadaya Masyarakat
3. Swasta Lainnya
Total
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
2.933
5.191
2.915
8.624
3.034
9.976
3.043
11.359
2.957
13.672
2.972
13.386
2.943
6.466
2.950
6.317
2.871
6.267
2.860
6.307
2.856
6.182
37.855
6.176
2.855
6.230
2.851
6.288
2.872
6.234
2.856
6.206
2.839
6.203
23.415
605
2.762
493
21.031
297
800
534
26.328
405
240
365
27.797
424
310
221
28.819
266
301
223
28.434
261
306
200
25.780
260
306
187
26.336
262
300
200
25.843
345
295
193
23.669
340
295
201
23.110
353
85
201
22.798
351
85
199
22.062
333
84
198
24.323
337
84
206
23.745
334
84
202
23.472
331
84
201
23.355
331
83
199
192
316
362
522
342
403
405
876
885
797
1.028
1.050
339
342
346
346
346
4.426
1.770
29.394
4.552
493
29.471
5.505
649
34.555
5.496
641
37.538
5.500
598
40.483
5.519
597
39.846
5.513
603
30.231
5.513
602
31.127
5.590
596
30.513
5.595
595
28.280
5.614
592
27.609
5.620
594
62.300
5.610
603
25.889
5.605
606
28.220
5.607
606
27.604
5.615
600
27.281
5.615
599
27.142
35.591
34.517
40.710
43.675
46.581
45.962
36.347
37.242
36.699
34.470
33.814
68.514
32.102
34.431
33.817
33.496
33.356
Tabel 4.22 Pembiayaan Perbankan Syariah (Financing of Syariah Banks)

Des Des
Pembiayaan Musyarakah (Musyarakah Financing)
Des Des
2008
2004 2005 2006 2007 Nov

1.165
3.124
2.335
4.406
2009
Des
7.358
Jan
7.411
Feb
7.554
Mar
7.866
Apr
8.108
8.347
Mei
Jun
8.672
Jul
9.142
Ags
9.422
9.932
Sep
Okt
Nov
10.007
10.184
10.359
Pembiayaan Mudharabah (Mudharabah Financing)
1.961
1.898
4.062
5.578
6.440
6.205
6.007
5.947
5.890
5.877
5.939
6.134
6.184
6.316
6.459
6.440
6.506
Piutang Murabahah (Murabahah Accounts Receivable)
7.478
9.487
12.624
16.553
22.640
22.486
22.437
22.574
22.732
23.001
23.490
24.245
24.381
24.632
25.046
25.499
25.570
Piutang Salam (Salam Accounts Receivable)

Piutang Istishna (Istishna Accounts Receivable)
313
282
337
351
404
369
375
385
404
413
417
412
424
432
415
421
431
Lainnya (Others)
128
441
1.087
1.056
1.687
1.724
1.827
2.070
2.173
2.088
2.197
2.261
2.417
2.578
2.595
2.702
2.860
11.324
15.232
20.445
27.944
38.529
38.195
38.201
38.843
39.308
39.726
40.715
42.195
42.828
43.890
44.523
45.246
45.726
Total
143
144
Tabel 4.23 Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi

(Financing of Syariah Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des
Des Des
Des
2004 2005 2006 2007
2008
Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
Pertanian, Kehutanan dan Sarana Pertanian
872
687
701
837
1.257
1.177
1.181
1.240
1.303
1.298
1.272
1.282
1.305
1.315
1.288
1.286
1.330
Pertambangan
276
395
375
511
609
965
966
991
1.021
1.032
942
927
987
1.026
998
1.013
1.009
Perindustrian
746
933
940
1.371
1.415
1.340
1.354
1.320
1.305
1.236
1.334
1.470
1.423
1.427
1.477
1.469
1.495
25
66
17
166
301
248
266
284
299
352
397
433
473
545
591
653
670
Konstruksi
1.164
1.548
1.637
2.371
3.767
3.368
3.322
3.338
3.248
3.217
3.247
3.396
3.425
3.644
3.705
3.673
3.648
Perdagangan, Restoran dan Hotel
1.518
1.716
3.041
4.152
4.598
4.426
4.345
4.473
4.745
4.853
5.107
5.248
5.267
5.336
5.370
5.545
5.719
2.172
2.759
2.919
2.848
2.839
2.849
2.998
3.181
3.130
3.087
3.080
3.146
3.168
Listrik, Gas, Air
Pengangkutan, Pergudangan dan Komunikasi

Jasa Dunia Usaha
Jasa Sosial/Masyarakat
Lain-lain
Total
942
1.261
1.165
1.569
2.993
4.504
5.458
8.425
937
1.208
1.456
1.904
2.742
2.463
2.462
2.018
2.952
5.655
6.639
9.765
9.693
9.829 10.209 10.465 10.542 10.813 11.195 11.473
11.492
15.270
20.445
27.944
38.558
38.195
11.931 11.757
11.557 11.687 11.606 11.819 12.040 12.475 12.744
38.201
2.453
38.843
2.476
39.308
2.529
39.726
2.566
40.715
2.588
42.195
2.601
42.828
13.063 13.334 13.465 13.369

2.597
2.616
2.617
2.704
11.851 12.063 12.378 12.616

43.890 44.523
45.246
45.726
Tabel 4.24 Pembiayaan Perbankan Syariah Berdasarkan Wilayah (Financing of Syariah Banks Based on Region)
Des Des
Wilayah
DI Aceh
Sumatera Utara
Sumatera Barat
Sumatera Selatan
Bangka Belitung
Jambi
Bengkulu
Riau
Kepulauan Riau
Lampung
DKI Jakarta
Jawa Barat
Banten
Jawa Tengah
DI Yogyakarta
Jawa Timur
Bali
Kalimantan Barat
Kalimantan Tengah
Kalimantan Timur
Kalimantan Selatan
Sulawesi Utara
Gorontalo
Sulawesi Barat
Sulawesi Tengah
Sulawesi Tenggara
Sulawesi Selatan
Maluku
Maluku Utara
NTB
NTT
Irian Jaya Barat
Papua
Di Luar Indonesia
Total
145
Ket : Data tersedia mulai posisi Januari 2007
Des Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep
Okt
Nov
279
549
538
529
548
578
602
629
674
697
730
757
779
817
1.668 2.389
2.369 2.339 2.371 2.422 2.444 2.503
2.519 2.588 2.639 2.686 2.714 2.787
398
600
602
614
636
664
689
713
745
757
787
802
795
806
509
761
761
766
805
830
840
856
901
926
954
975 1.006 1.022
39
44
41
39
39
39
37
39
37
38
38
38
37
37
145
265
275
284
298
317
325
334
355
365
377
387
393
404
175
208
201
196
199
201
208
209
212
214
225
228
234
238
696
912
893
889
897
906
912
927
904
924
961
983
994 1.014
297
343
337
332
333
332
326
335
343
365
375
389
408
384
235
348
368
367
383
412
422
445
467
477
493
511
515
500
- 12.959 18.307 18.172 18.275 18.575 18.568 18.716 19.152 19.897 19.964 20.488 20.533 20.838 20.799
3.065 3.785
3.766 3.727 3.746 3.812 3.834 3.919
4.063 4.183 4.199 4.325 4.396 4.493
962 1.010
841
832
842
851
849
877
896
919
953
990 1.035 1.073
1.240 1.896
1.958 1.943 1.959 2.040 2.098 2.151
2.219 2.265 2.324 2.421 2.461 2.535
318
509
508
508
507
518
532
539
555
566
587
611
613
612
1.774 2.553
2.566 2.575 2.616 2.703 2.708 2.795
2.932 3.014 3.099 3.175 3.268 3.364
44
76
73
72
70
76
80
82
94
91
94
100
105
109
364
481
476
469
470
486
490
501
511
519
530
528
549
560
21
26
25
25
24
25
26
30
30
31
32
33
34
37
575
687
706
718
732
783
814
844
895
935
969
987
988 1.007
570
810
795
781
779
787
799
806
834
837
836
848
842
830
73
110
114
111
71
121
128
132
134
137
139
140
147
143
71
64
63
62
63
65
67
69
77
80
82
87
90
87
0
1
2
3
4
5
5
6
98
136
136
135
135
137
139
141
146
149
151
154
155
160
161
187
180
176
174
172
173
173
170
167
163
163
161
161
858 1.016
978
981 1.106
997
998 1.017
1.063 1.076 1.101 1.083 1.071 1.089
14
16
16
15
16
15
15
15
15
15
15
15
14
14
33
37
36
35
34
34
34
31
35
35
35
36
36
36
200
259
261
263
268
269
265
288
301
315
322
333
351
375
15
23
24
23
24
23
25
25
25
26
27
28
29
32
35
43
42
43
45
49
51
56
59
58
62
62
62
61
53
78
77
74
76
78
77
79
88
91
97
106
116
130
1
2
3
3
3
27.944
38.529
38.195
38.201
38.843
39.308 39.726
40.715
42.195
42.828
43.890
44.523
45.246
45.726
146
Tabel 4.25 Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi (Credit of Rural Banks Based on Economic Sector)
Sektor Ekonomi
(Economic Sector)
Des Des
Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei Jun
1.828 1.879
Jul
Ags
Sep
Okt
Nov
1. Pertanian (Agriculture)
707
886
1.058
1.340
1.762
1.745
1.760
1.781
1.774
189
222
258
333
422
427
407
437
433
5.003
6.042
6.715
7.717
9.444
9.328
9.300
9.507
4. Jasa-jasa (Social Services)
1.218
1.458
1.769
2.096
2.701
2.676
2.663
2.762
5.032
6.046
7.149
9 . 0 5 5 1 1 . 4 1 7 1 1 . 2 9 6 1 1 . 2 7 3 1 1 . 4 0 0 1 1 . 4 2 6 1 1 . 4 5 21 1 . 5 9 9 1 1 . 7 8 5 1 1 . 9 7 4 1 2 . 1 0 2 1 2 . 3 3 5 1 2 . 4 4 2 1 2 . 6 5 2
Total
12.149 14.654 16.948 20.540 25.746 25.472 25.404 25.888 25.336 25.571 25.916 26.388 26.770
3. Perdagangan, rumah makan dan penginapan
1.915
1.953
1.950
1.934
1.936
1.947
442
457
473
477
486
492
499
8.998
9.075 9.176
9.368
9.494
9.842
9.746
9.787
9.853
2.706
2.776 2.821
2.863
2.876
2.919
2.935
2.980
3.032
439
27.289 27.436 27.638
27.983
Tabel 4.26 Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan (Credit of Rural Banks Based on Type of Use)
Jenis Penggunaan
(Type of Use)
Pertanian (Agriculture)
Perindustrian (Manufacturing)
Perdagangan, rumah makan, dan penginapan
Jasa-jasa (Social Services)
Lain-lain (Others)
Pertanian (Agriculture)
Perindustrian (Manufacturing)
Perdagangan, rumah makan, dan penginapan
Jasa-jasa (Social Services)
Lain-lain (Others)
Kredit pemilikan rumah (KPR) yang dijamin
dgn hak tanggungan pertama dgn tujuan
untuk dihuni
Kredit pemilikan kendaran bermotor
Kredit konsumsi lainnya
Total
Des Des
Des Des
2008
2009
2004 2005 2006 2007 Nov
Des
Jan
Feb
Mar
Apr
681
181
4.894
845
215
5.877
969
239
6.326
1.198
311
7.049
1.531
390
8.644
1.514
396
8.523
1.527
377
8.493
1.548
407
8.686
1.544
404
8.486
1.587 1.637
410
412
8.574 8.672
991
357
1.176
516
1.452
508
1.678
540
2.098
514
2.053
521
2.019
374
2.098
351
2.103
347
2.162 2.206
276
250
7.103
8.630
26
8
109
41
7
165
89
19
389
142
22
667
231
32
800
231
31
805
233
30
807
233
31
821
230
29
512
241
29
501
242
30
504
238
29
499
245
28
520
227
27
515
226
28
513
224
32
520
215
28
514
228
59
282
78
317
88
418
129
603
156
623
156
645
154
664
157
602
162
614
185
615
200
604
195
601
215
597
199
598
197
599
205
590
211
430
572
902
1.379
1.823
1.846
1.869
1.905
1.536
1.570
1.591
1.564
1.608
1.565
1.561
1.579
1.558
75
127
166
168
169
172
176
182
169
187
200
199
200
203
208
4.616
5.452
4.616
5.452
Mei Jun
Jul
Ags
Sep
Okt
Nov
1.677
428
8.869
1.708
444
8.975
1.723
450
9.327
1.708
458
9.233
1.698
390
8.923
1.714
382
8.875
2.259
260
2.275
290
2.321
131
2.337
212
2.140
900
2.150
927
9.494 10.776 13.177 13.007 12.789 13.090 12.884 13.010 13.176 13.493 13.693 13.952
13.948 14.052 14.047
310
456
625
615
737
747
727
775
744
744
753
860
811
837 1.074
6.167 7.802 9.955 9.836 9.839 9.974 10.014 10.03310.236 10.399 10.515 10.713 10.915 10.966 11.096
6.553
8.386 10.746 10.619 10.745 10.892 10.917 10.990 11.149 11.330 11.468 11.773
11.926 12.006 12.378
12.149 14.654 16.948 20.540 25.746 25.472 25.404 25.888 25.336 25.571 25.916 26.388 26.770 27.289
27.436 27.638 27.983
147
148
Tabel 4.27 Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi (Credit of Rural Banks Based on Location)
Des Des
Wilayah
Des Des
2008
2009
2004 2005 2006 2007 Nov
Des
Jan
Feb
Mar
Apr

Bengkulu
Jambi
Lampung
Sulawesi Selatan (South Sulawesi )
Bali
Maluku
Papua
2.586
78
689
3.134
1.835
10
21
34
248
337
141
91
1.544
67
100
5
1
39
56
81
6
160
737
12
73
61
-
4.881
423
1.289
6.355
2.977
17
161
64
382
660
877
280
3.398
180
281
132
9
180
221
173
42
341
1.777
50
167
154
1
4.790
415
1.287
6.397
2.998
17
162
44
382
668
890
278
3.314
209
270
137
8
174
225
174
46
349
1.795
51
169
152
1
4.995
411
1.302
6.535
3.064
18
164
48
386
690
910
286
3.241
220
265
140
12
175
226
175
47
357
1.835
55
177
154
1
5.004
412
1.320
6.664
3.141
18
166
52
388
705
928
288
2.364
225
269
144
15
178
233
180
47
370
1.843
59
173
151
1
5.032
416
1.348
6.793
3.202
18
166
77
389
719
954
293
2.204
226
277
143
17
174
236
188
48
384
1.878
62
171
155
1
Total
12.149 14.654 16.948
3.051
141
819
3.901
2.059
10
45
26
257
287
236
97
1.951
78
117
50
1
54
58
92
13
197
949
17
73
75
1
3.397
254
852
4.399
2.274
11
95
26
283
372
402
136
2.247
76
173
71
3
75
89
119
20
237
1.091
17
111
118
1
3.917
365
1.047
5.280
2.557
12
144
26
319
514
603
204
2.787
105
219
96
4
113
142
145
32
283
1.347
25
137
115
1
4.922
427
1.305
6.398
3.015
17
165
63
382
675
878
282
3.501
157
282
142
9
183
227
178
41
343
1.773
51
165
163
1
20.540 25.746 25.472 25.404 25.888
Mei Jun
Jul
Ags
Sep
Okt
Nov
5.165
423
1.400
7.149
3.439
18
173
88
408
757
1.037
313
2.275
215
299
151
21
194
249
205
49
405
1.945
73
162
157
1
5.261
430
1.428
7.279
3.523
18
174
92
417
763
1.082
319
2.322
210
303
153
23
191
253
212
49
408
1.978
76
157
167
1
5.276
433
1.451
7.275
3.540
18
178
95
426
748
1.102
320
2.323
208
305
154
22
198
254
216
49
405
2.022
79
163
173
1
5.329
438
1.459
7.312
3.547
18
180
98
428
753
1.139
341
2.306
203
312
155
21
192
259
221
49
408
2.044
85
164
175
1
5.369
450
1.478
7.380
3.566
18
180
101
435
720
1.176
344
2.398
200
311
156
21
194
261
224
51
417
2.090
90
177
175
1
25.336 25.571 25.916 26.388 26.770 27.289
27.436
27.638 27.983
5.084
419
1.366
6.930
3.293
18
169
80
394
730
973
298
2.257
221
282
146
21
181
239
193
48
390
1.793
64
169
157
1
5.132
424
1.383
7.060
3.380
18
172
84
401
748
1.000
301
2.206
217
294
149
21
188
238
201
49
401
1.934
68
165
153
1
Tabel 4.28 Kredit MKM Menurut Sektor Ekonomi (Micro, Small & Medium Credit based on economic Sector)
Sektor Ekonomi
(Economic Sector)
1. Pertanian (Agriculture)
4. Listrik (electricity)
6. Perdagangan (Trade)
7. Pengangkutan (Transport)
8. Jasa Dunia Usaha (Business Services)
9. Jasa Sosial (Social Services)
Total
Ket.: 1)Data Revisi Oktober 2009
Des Des
Des Des
2008
2004 2005 2006 2007 Nov

12.098
12.642
13.924
16.114
911
971
1.311
1.527
26.547
32.480
36.647
37.796
127
245
1.483
286
7.709
10.123
13.241
5.922
67.226
Des
19.284 19.424
1.724
2009
Jan
19.082
1.823
1.657
46.304 46.045
44.707
536
560
549
19.357 17.114
15.797
Feb
Mar
19.195 19.758
Apr
Mei
Jun
Jul
Ags
Sep Okt 1) Nov
19.967
20.361
20.993
21.132
20.966
21.617
21.912
22.126
1.715
1.802
2.840
4.465
5.088
4.262
4.451
4.421
4.656
44.882 43.730
43.351
42.680
42.826
42.492
40.792
41.715
42.045
42.700
511
509
548
599
682
669
685
758
683
16.128 16.405
16.752
17.183
18.541
19.210
20.097
20.438
21.197
21.282
1.561
532
87.515 107.288 134.574 155.153 157.132 152.115 154.497 159.036 161.478 163.955 169.872 171.225 173.679 177.600 180.347 183.436
6.029
6.485
6.605
7.200
15.550
20.657
23.514
30.519
4.269
5.292
6.020
6.670
8.584
8.639
8.442
40.450 40.851
40.022
7.516
7.586
7.601
8.370
8.471
8.615
8.595
8.666
8.702
8.759
8.862
8.983
9.215
39.767 39.918
40.187
40.475
41.591
41.700
41.890
42.608
43.143
43.250
7.901
7.890
8.116
8.129
8.257
8.539
8.438
8.741
7.682
7.600
132.414 180.912 203.528 254.870 332.095 334.773 335.009 336.709 340.023 344.521 351.083 357.934 363.952 372.958 374.860 382.351 388.719
271.093 354.908 410.442 502.796 631.002 633.945 624.981 629.322 637.167 645.084 655.610 673.603 682.311 692.330 701.375 713.595 724.808
149
150
Tabel 4.29 Kredit UMKM Menurut Jenis Penggunaan (Micro, Small & Medium Credit based on type of use)
Jenis Penggunaan
(Type of Use)
Des Des
Des Des
2008
2009
2004 2005 2006 2007 Nov
Des
Jan
Feb
Mar
Apr
Mei
Jun
111.636
142.633
260.449 262.610
28.460
33.049
Kredit Konsumsi (Consumption)
130.997
Jumlah (Total)
271.093
Kredit Modal Kerja (Working Capital)

Kredit Investasi (Investments)
1)
Ket: Data Revisi
171.118 204.765
247.051
247.442
238.266
240.409
244.802
246.633
250.070
44.578
54.437
54.209
54.074
54.456
54.676
56.172
56.635
179.225
202.177 253.453
329.514
332.294
332.641
334.458
337.689
342.279
354.908
410.442 502.796
631.002
633.945
624.981
629.322
637.167
645.084
37.147
57.515
Jul
Ags
Sep Okt 1) Nov
264.026
268.339 271.447
58.052
58.661
348.905
355.639 361.649
655.610
673.603 682.311
60.353
275.282
61.801
62.775
369.642
372.684 380.347
386.750
692.330
701.375 713.595
724.808
Tabel 4.30 Kredit MKM Menurut Kelompok Bank (Micro, Small & Medium Credit based on Category of Bank)
Kelompok Bank
(Category of Bank)
1. Bank Persero 1)
Des Des
Des Des
2008
2004 2005 2006 2007 Nov

99.010
122.189
144.935
34.700
42.462
52.859
127.438
176.421
195.326
9.944
13.836
17.322
271.093
354.908
410.442
176.740 226.434
2009
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep Okt 2) Nov
229.890
235.748
239.776 247.808
258.420
261.556
266.235
268.680
274.631
278.631
88.018
89.869
91.795
94.574
97.568
100.987
103.282
105.617
107.503
109.303
110.272
290.731 284.464
284.250
281.526
282.552 282.282
286.260
288.086
292.545
296.734
300.883
306.828
25.459
25.313
28.098
27.952
27.936
29.387
27.932
28.458
28.777
29.077
633.945 624.981
629.322
637.167
645.084 655.610
673.603
682.311
692.330
701.375
713.595
724.808
Des
Jan
230.152 227.040
(State Owned Banks)

2. BPD
67.774
89.334
87.655
(Regional Development Banks)

3. Bank Swasta Nasional1)
238.211 288.835

20.073
26.399
25.406
28.181
(Joint Venture Banks dan Foreign Owned Banks)

Jumlah
Ket.:
1)
Data Revisi Desember 2008

2)
502.796 631.002
151
152
Tabel 4.31 Kredit MKM Menurut Lokasi Proyek Per Daerah Tingkat I (Micro, Small & Medium Credit based on Project Location)
Des Des
Banten
Bengkulu
Jambi
Riau
Kepulauan Riau
Bangka Belitung
Lampung
Gorontalo 1)
Bali
Maluku
Papua
Irian Jaya Barat
Lainnya (Others)
Total
Ket.: 1)Data Revisi Juni 2008
2)
Des Des
2008
2004 2005 2006 2007 Nov
Des
2009
Jan
Feb
Mar
55.168
63.508
3.634
24.736
33.798
1.264
2.582
2.775
13.822
4.977
9.052
5.960
3.788
3.440
3.467
5.964
1.449
2.455
9.203
3.845
1.284
2.551
7.054
1.983
564
1.908
372
491
71.749
85.170
4.729
33.047
44.009
1.623
3.250
3.338
18.564
5.948
11.736
7.616
5.269
4.635
4.232
7.671
1.525
2.958
12.156
4.785
1.590
3.259
8.797
2.479
824
2.407
497
1.046
81.153 77.588 96.377 97.334 96.643 97.379 98.540

- 21.447 28.793 29.250 28.762 29.046 28.462
97.807 114.979 137.441 136.823 134.228 133.306 133.412
5.345
6.421
7.803
7.843
7.809
7.857
7.968
38.186 46.220 56.353 56.964 56.054 56.399 57.095
49.836 60.790 73.369 74.109 72.878 74.022 75.123
2.080
2.956
4.287
4.312
4.236
4.355
4.444
3.904
5.409
7.530
7.604
7.494
7.569
7.711
4.438
6.249
9.016
9.080
8.874
8.931
9.297
21.270 26.192 34.340 34.076 33.412 33.615 34.124
6.920
8.899 11.529 11.593 11.539 11.692 11.962
14.449 12.171 16.722 16.681 16.580 16.694 17.017
9.386 10.234 14.021 14.006 13.882 14.110 14.453
6.041
7.480
7.566
7.397
7.416
7.497
1.229
1.687
1.740
1.677
1.716
1.769
6.552
8.315 10.614 10.759 10.978 11.139 11.510
5.257
6.589
8.677
8.795
8.691
8.786
8.991
4.961
6.149
7.562
7.669
7.572
7.653
7.828
9.003 11.194 13.878 13.959 13.556 13.811 14.033
1.818
2.544
3.530
3.522
3.513
3.615
3.738
3.415
4.356
5.570
5.609
5.468
5.533
5.745
14.467 17.186 22.070 22.143 22.040 22.129 22.548
5.565
5.950
8.107
8.214
8.062
8.229
8.400
1.061
1.488
1.780
1.485
1.423
1.517
1.380
1.982
2.022
2.072
2.131
2.131
1.965
2.755
3.879
3.873
3.859
3.939
4.030
3.912
4.892
6.260
6.310
6.315
6.406
6.643
9.708 11.537 14.289 14.532 14.439 14.686 14.919
3.271
4.282
5.571
5.558
5.468
5.496
5.673
1.080
1.457
2.161
2.161
2.112
2.174
2.268
3.127
3.149
4.369
4.376
4.262
4.292
4.504
647
818
1.206
1.228
1.235
1.274
1.313
1.129
1.482
1.486
1.430
1.451
1.505
920
1.227
1.559
967
959
1.049
995
271.093
354.908
410.442
502.796
631.002
633.945
624.981
629.322
637.167
Apr
100.314
28.660
133.791
8.125
57.629
75.580
4.579
7.823
9.597
34.585
12.194
17.257
14.897
7.541
1.845
11.647
9.176
8.010
14.292
3.909
5.864
22.917
8.450
1.530
2.247
4.063
6.778
15.178
5.788
2.342
4.598
1.375
1.568
932
Mei
Jun
Jul
Ags
Sep Okt 2) Nov
100.316 103.724 104.879 106.076 107.491 108.980 109.965

28.872 28.587 28.623 29.068 29.391 30.172 30.238
140.143 142.984 146.983 147.078 147.768 150.165 152.880
8.145
8.328
8.388
8.585
8.643
8.735
8.816
58.089 59.733 60.325 61.657 62.168 62.994 63.810
76.026 77.790 78.199 79.572 80.588 82.510 83.794
4.717
4.888
4.961
5.027
5.069
5.163
5.256
7.898
8.165
8.326
8.436
8.576
8.740
8.856
9.870 10.297 10.575 10.881 11.121 11.557 11.881
34.921 35.848 36.162 36.980 37.765 38.450 39.221
12.334 12.643 12.745 12.982 13.128 13.154 13.366
17.436 18.062 18.300 18.720 19.053 19.436 19.711
15.189 15.849 16.289 16.552 16.829 17.465 17.803
7.579
7.719
7.733
7.987
8.108
8.216
8.293
1.909
1.993
2.003
2.074
2.128
2.159
2.212
11.762 11.992 11.680 11.909 12.302 12.490 12.657
9.152
9.518
9.617
9.830 10.071 10.153 10.188
8.083
8.385
8.488
8.622
8.815
9.036
9.252
14.300 14.831 15.012 15.366 15.637 15.914 16.216
4.039
4.258
4.332
4.415
4.508
4.596
4.674
5.978
6.229
6.230
6.376
6.504
6.617
6.736
23.258 23.925 24.049 24.478 24.697 25.158 25.827
8.497
8.667
8.562
8.945
9.107
9.274
9.503
1.605
1.632
1.652
1.726
1.753
1.697
1.793
2.279
2.474
2.566
2.625
2.748
2.785
2.821
4.096
4.234
4.293
4.347
4.453
4.566
4.634
6.846
7.040
7.123
7.192
7.291
7.435
7.566
15.255 15.645 15.709 15.977 16.302 16.512 16.758
5.949
6.194
6.316
6.481
6.527
6.728
6.831
2.407
2.536
2.571
2.668
3.255
2.810
2.871
4.733
5.006
5.111
5.238
5.388
5.511
5.594
1.427
1.475
1.520
1.563
1.518
1.612
1.642
1.610
1.724
1.774
1.701
1.820
1.924
1.978
887
1.229
1.216
1.196
852
883
1.166
645.084 655.610
673.603
682.311
692.330
701.375
713.595
724.808
Tabel 4.32 Rincian Kredit MKM Menurut Kelompok Bank (Micro, Small & Medium Credit based on Category of Bank)
Kelompok Bank
(Category of Bank)
Des Des
Des Des
2008
2004 2005 2006 2007 Nov
2009
Des
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Ags
Sep Okt 2) Nov
247.808
106.041
79.788
61.978
258.420
109.713
83.715
64.992
261.556
110.488
85.835
65.233
266.235
110.764
88.489
66.982
268.680
110.905
89.795
67.981
274.631
112.386
93.214
69.031
278.631
113.548
95.123
69.960
105.617
39.546
58.753
7.318
1. Bank Persero 1)
Mikro
Kecil
Menengah
226.434
99.536
69.120
57.778
230.152
99.483
71.190
59.479
227.040
99.456
70.753
56.831
229.890
100.228
71.893
57.768
235.748
101.508
74.365
59.874
239.776
101.789
77.037
60.951
2. Bank Pemerintah Daerah

Mikro
Kecil
Menengah
89.334
39.663
43.771
5.900
87.655
39.019
43.377
5.258
88.018
39.122
44.057
4.840
89.869
39.006
45.753
5.110
91.795
38.865
47.458
5.472
94.574
38.882
49.949
5.743
97.568 100.987
39.178 39.153
52.247 55.175
6.143
6.659
103.282
39.248
56.974
7.060
107.503
38.962
60.947
7.593
109.303
38.941
62.530
7.832
110.272
38.834
63.412
8.025
3. Bank Swasta Nasional 1)

Mikro
Kecil
Menengah
288.835
65.277
96.229
127.329
290.731
65.411
96.410
128.911
284.464
65.424
95.502
123.538
284.250
65.394
96.139
122.717
281.526
64.717
95.922
120.886
282.552
66.187
95.999
120.366
282.282
64.646
96.691
120.944
286.260
64.784
98.301
123.175
288.086 292.545 296.734

65.353 66.181 67.365
99.488 101.873 103.147
123.245 124.491 126.222
300.883
68.632
105.097
127.154
306.828
69.607
107.325
129.897

Mikro
Kecil
Menengah
26.399
12.856
3.194
10.349
25.406
12.211
3.227
9.968
25.459
12.608
3.221
9.630
25.313
12.186
3.327
9.800
28.098
12.160
4.042
11.897
28.181
12.277
4.208
11.696
27.952
12.006
4.274
11.672
27.936
11.816
4.369
11.751
29.387
12.728
4.371
12.288
27.932
11.678
4.465
11.789
28.458
11.833
4.587
12.037
28.777
11.611
4.768
12.398
29.077
12.269
4.761
12.047
631.002
633.945
624.981
629.322
637.167
645.084
655.610
673.603
682.311
692.330
701.375
713.595
724.808
Jumlah
Ket.: 1)Data Revisi Desember 2008, 2)Data Revisi Juni 2008
2)
153
KA
TA PENGANT
AR
KAT
PENGANTAR
GRAFIK
135
Gr
afik 1. Kredit dan NPL K
elompok Bank
Grafik
Kelompok
No
vember 2009
Nov
Asing
Campuran
BPD
BUSN Non Devisa
BUSN Devisa
Persero
0
100.000
200.000
Kredit
300.000
400.000
500.000
600.000
NPL
Gr
afik 2. Dana Pihak K
etiga dan
Grafik
Ketiga
elompok Bank No
vember 2009
Kelompok
Nov
SBI K
Miliar Rp
800.000
700.000
600.000
500.000
400.000
300.000
200.000
100.000
0
Persero
BUSN Devisa
BUSN Non
Devisa
DPK
136
BPD
SBI
Campuran
Asing
Gr
afik 3. P
endapatan dan Beban Oper
asional
Grafik
Pendapatan
Operasional
Kelompok Bank No
vember 2009
Nov
Miliar Rp
120.000
Pendapatan Operasional
100.000
Beban Operasional
80.000
60.000
40.000
20.000
0
Persero
BUSN
Devisa
BUSN Non
Devisa
BPD
Campuran
Asing
Gr
afik 4. P
embia
yaan, DPK dan Aset P
erbankan Sy
ariah
Grafik
Pembia
embiay
Perbankan
Syariah
No
vember 2009
Nov
Miliar Rp
50.000
40.000
30.000
20.000
10.000
0
Pembiayaan
DPK
BUS
Aset
UUS
137
CLAR
Gr
afik 5. K
olektibilitas Kredit BPR No
vember 2009
Grafik
Kolektibilitas
Nov
2%1% 4%
93%
Lancar
Kurang Lancar
Diragukan
Macet
Gr
afik 6. Kredit MKM K
elompok Bank
Grafik
Kelompok
No
vember 2009
Nov
4%
38%
43%
15%
Persero
138
BUSN
BPD
Campuran & Asing

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Statistik Perbankan Indonesia (SPI) merupakan

The Indonesian Banking Statistics (SPI) is a

media publikasi yang menyajikan data mengenai

media publication that provides data regarding the

perbankan Indonesia. Buku SPI ini diterbitkan secara

banking industry in Indonesia. This publication is

berkala (bulanan) oleh Direktorat Perizinan dan

published monthly by Directorate of Bank Licensing

sebelumnya terbit dalam bentuk buku telah diubah

in form of CD ROM no longer in form of book. In

pula dengan penambahan beberapa data baru yaitu:

this edition and following we add new data such as

kredit dan NPL yang penarikannya menggunakan

credit and NPL withdrawn by credit card, average of

kartu, suku bunga rata-rata kredit Bank Umum dan

credit interest rate of Banks and Rural Banks by

BPR berdasarkan sektor ekonomi dan jenis

economic sector and by type of use, average of third

penggunaan, suku bunga rata-rata DPK Bank

party fund interest rate of Commercial Banks, Rural

Umum, BPR dan Bank Syariah, Rincian kredit dan

Banks, and Sharia Banks, credit and NPL SMEs by

NPL UMKM menurut kelompok bank, NPL UMKM

group of bank, by economic sector and by type of

berdasarkan sektor ekonomi dan jenis penggunaan.

Direktorat Perizinan dan Informasi Perbankan

Indonesian Banking Statistics, Vol. 7, No. 12, November 2009

DATA BANK UMUM

DATA PERBANKAN SYARIAH

COMMERCIAL BANK DATA

SHARIA BANK DATA

DATA BANK PERKREDITAN RAKYAT (BPR)

RURAL BANK DATA

Statistik Perbankan Indonesia, Vol. 7, No. 12, November 2009

1. Data yang digunakan dalam Publikasi Statistik

1. The data used in the Indonesian Banking

Perbankan Indonesia bersumber dari Laporan

Statistics is derive from Commercial Bank

Bulanan Bank Umum (LBU), Laporan Bulanan

Monthly Reports, Sharia Bank Monthly Reports

Bank Umum Syariah (LBUS), dan Laporan

and Rural Bank Monthly Reports.

Bulanan Bank Perkreditan Rakyat (Lapbul BPR),

includes data from Commercial Banks that

kecuali dinyatakan lain.

2. The entire data on Commercial Banks

mencakup data Bank Umum yang melakukan

principles and sharia Business Units from

kegiatan usaha berdasarkan prinsip syariah

conventional commercial banks. It is not yet

dan Unit Usaha Syariah dari Bank Umum

possible to obtain separate sharia bank data

konvensional. Pemisahan data perbankan

from commercial banks, because, thus far,

syariah dari kelompok data bank umum

reports from sharia banks are entered into

belum dapat dilakukan, karena selama ini

the banking system as one unit.

proses pelaporan perbankan syariah masuk

For this reason, sharia banking data is presented

ke dalam Sistem Perbankan sebagai satu

3. Data regarding performance before January

Untuk itu disajikan data khusus perbankan