SPI Februari 2017

HALAMAN KETERANGAN
PAGE OF REFERANCE
Jadwal Publikasi Kedepan Advance Release Calender (ARC)

Edisi Maret 2017 akan diterbitkan pada minggu ke III March 2017 edition will be released on the 3rd week of
bulan Mei 2017. May 2017.
Tanda-tanda, simbol dan Sumber Data Notes, Symbols and Sources of Data
Suatu jumlah tidak selalu sama besarnya dengan Totals do not necessarily agree with the sum of items
penjumlahan angka-angka yang bersangkutan karena shown because of roundings.
pembulatan.
r Angka-angka diperbaiki r Revised figures

( ) Sebagian dari suatu jumlah ( ) Subset of data
* Angka-angka sementara * Provisional figures
** Angka-angka sangat sementara ** Very provisional figures
*** Angka-angka sangat-sangat sementara *** Estimated figures
- Tidak ada - Not available
... Angka belum tersedia ... Figures are not available yet
-- Nol atau lebih kecil daripada digit terakhir -- Nil or less than the last digit
$ Dolar Amerika Serikat $ US Dollar
Tanda koma pada angka-angka harap dibaca sebagai Commas in the numbers please read as point and vice
titik dan sebaliknya tanda titik harap dibaca sebagai versa, please read the point as a comma
koma.
Sumber Data : Bank Indonesia dan Otoritas Jasa Data Source : Bank Indonesia and Financial Services
Keuangan, kecuali jika dinyatakan lain. Authority unless mentioned otherwise.
1. Data yang digunakan dalam Publikasi SPI 1. The data used in the Indonesian Banking Statistics
bersumber dari Laporan Bulanan Bank Umum is derive from Commercial Bank Monthly Reports,
(LBU), dan Laporan Berkala Bank Perkreditan and Rural Bank Monthly Reports.
Rakyat (LBBPR) kecuali dinyatakan lain. 2. Data from the Commercial Bank Monthly Reports,
2. Proses download data; Data Laporan Bulanan Bank which submitted by the reporting banks to Bank
Umum (LBU) yang disampaikan dari bank pelapor Indonesia, is processed using the Bank Indonesia
kepada Bank Indonesia diolah melalui Sistem Banking Information System. The time taken to
Informasi Perbankan (SIP). Perbedaan waktu download data from Banking Information System
download data LBU melalui SIP dapat can result in variations of the data that is
menyebabkan perbedaan pada data yang published in this book, compared to other published
dipublikasikan ini dengan data publikasi yang lain. data. Therefore, readers are recommended to pay
Oleh sebab itu, pembaca dihimbau untuk attention to the download time of data. The
memperhatikan waktu download data. Misalnya processing of the October 2015 monthly reports for
pemrosesan data bulan laporan Oktober 2015 this periode of the Indonesian Banking Statistics
untuk Publikasi Statistik Perbankan Indonesia was done from 10 December until 15 December
penerbitan periode ini dilakukan dari tanggal 10 2015.
Desember s/d tanggal 15 Desember 2015.
Sampai dengan bulan Desember 2015 data dalam Until December 2015, The data publication are also
publikasi ini disediakan melalui website OJK provided through OJK website (http://www.ojk.go.id)
(http://www.ojk.go.id) dan website BI and BI website (http://www.bi.go.id).
(http://www.bi.go.id).
Departemen Perizinan dan Informasi Perbankan Bank Licensing and Banking Information Department
Deputi Direktur Publikasi dan Administrasi (IDAP) Administration and Publication Deputy Director (IDAP)
Otoritas Jasa Keuangan Indonesia Financial Services Authority
Menara Radius Prawiro Radius Prawiro Tower
Jl. MH Thamrin No. 2, Jakarta Pusat Jl. MH Thamrin No. 2, North Jakarta
Email: konsumen@ojk.go.id Email: konsumen@ojk.go.id
Telepon: (021) 1500 655 Telephone: +62-211500 655
Fax: (021) 386 6032 Fax: +62-21-386 6032
ii
HALAMAN KETERANGAN
PAGE OF REFERANCE
Jadwal Publikasi Kedepan Advance Release Calender (ARC)

Edisi Maret 2017 akan diterbitkan pada minggu ke III March 2017 edition will be released on the 3rd week of
bulan Mei 2017. May 2017.
Tanda-tanda, simbol dan Sumber Data Notes, Symbols and Sources of Data
Suatu jumlah tidak selalu sama besarnya dengan Totals do not necessarily agree with the sum of items
penjumlahan angka-angka yang bersangkutan karena shown because of roundings.
pembulatan.
r Angka-angka diperbaiki r Revised figures

( ) Sebagian dari suatu jumlah ( ) Subset of data
* Angka-angka sementara * Provisional figures
** Angka-angka sangat sementara ** Very provisional figures
*** Angka-angka sangat-sangat sementara *** Estimated figures
- Tidak ada - Not available
... Angka belum tersedia ... Figures are not available yet
-- Nol atau lebih kecil daripada digit terakhir -- Nil or less than the last digit
$ Dolar Amerika Serikat $ US Dollar
Tanda koma pada angka-angka harap dibaca sebagai Commas in the numbers please read as point and vice
titik dan sebaliknya tanda titik harap dibaca sebagai versa, please read the point as a comma
koma.
Sumber Data : Bank Indonesia dan Otoritas Jasa Data Source : Bank Indonesia and Financial Services
Keuangan, kecuali jika dinyatakan lain. Authority unless mentioned otherwise.
1. Data yang digunakan dalam Publikasi SPI 1. The data used in the Indonesian Banking Statistics
bersumber dari Laporan Bulanan Bank Umum is derive from Commercial Bank Monthly Reports,
(LBU), dan Laporan Berkala Bank Perkreditan and Rural Bank Monthly Reports.
Rakyat (LBBPR) kecuali dinyatakan lain. 2. Data from the Commercial Bank Monthly Reports,
2. Proses download data; Data Laporan Bulanan Bank which submitted by the reporting banks to Bank
Umum (LBU) yang disampaikan dari bank pelapor Indonesia, is processed using the Bank Indonesia
kepada Bank Indonesia diolah melalui Sistem Banking Information System. The time taken to
Informasi Perbankan (SIP). Perbedaan waktu download data from Banking Information System
download data LBU melalui SIP dapat can result in variations of the data that is
menyebabkan perbedaan pada data yang published in this book, compared to other published
dipublikasikan ini dengan data publikasi yang lain. data. Therefore, readers are recommended to pay
Oleh sebab itu, pembaca dihimbau untuk attention to the download time of data. The
memperhatikan waktu download data. Misalnya processing of the October 2015 monthly reports for
pemrosesan data bulan laporan Oktober 2015 this periode of the Indonesian Banking Statistics
untuk Publikasi Statistik Perbankan Indonesia was done from 10 December until 15 December
penerbitan periode ini dilakukan dari tanggal 10 2015.
Desember s/d tanggal 15 Desember 2015.
Sampai dengan bulan Desember 2015 data dalam Until December 2015, The data publication are also
publikasi ini disediakan melalui website OJK provided through OJK website (http://www.ojk.go.id)
(http://www.ojk.go.id) dan website BI and BI website (http://www.bi.go.id).
(http://www.bi.go.id).
Departemen Perizinan dan Informasi Perbankan Bank Licensing and Banking Information Department
Deputi Direktur Publikasi dan Administrasi (IDAP) Administration and Publication Deputy Director (IDAP)
Otoritas Jasa Keuangan Indonesia Financial Services Authority
Menara Radius Prawiro Radius Prawiro Tower
Jl. MH Thamrin No. 2, Jakarta Pusat Jl. MH Thamrin No. 2, North Jakarta
Email: konsumen@ojk.go.id Email: konsumen@ojk.go.id
Telepon: (021) 1500 655 Telephone: +62-211500 655
Fax: (021) 386 6032 Fax: +62-21-386 6032
ii
DAFTAR ISI
TABLE OF CONTENT
KATA PENGANTAR i INTRODUCTION i
HALAMAN KETERANGAN ii PAGE OF REFFERENCE ii
DAFTAR ISI iii TABLE OF CONTENT iii
DAFTAR SINGKATAN iv LIST OF ABBREVIATIONS iv
DAFTAR TABEL v LIST OF TABLES v
DAFTAR TABEL TAMBAHAN DAN ix LIST OF ADDITIONAL TABLE AND ix

PERUBAHAN NAMA TABEL CHANGE OF TABLES NAME
METADATA xi METADATA xi
DATA 2 DATA 2
DATA BANK UMUM BERDASARKAN BUKU 4 COMMERCIAL BANK GROUP OF BUSINESS 4

ACTIVITIES
DATA BANK UMUM 64 COMMERCIAL BANK DATA 64
DATA BANK PERKREDITAN RAKYAT 122 RURAL BANK DATA 122
DATA PERKREDITAN 139 CREDIT DATA 139
iii
DAFTAR SINGKATAN
LIST OF ABBREVIATION
APYD : Aktiva Produktif Yang Diklasifikasikan APYD : Classified Earning assets

ATMR : Aktiva Tertimbang Menurut Risiko ATMR : Risk Weighted Assets
BOPO : Biaya Operasional terhadap Pendapatan BOPO : Operations Expenses to Operations Income
Operasional
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
ROA : Return on Assets ROA : Return on Assets
SIP : Sistem Informasi Perbankan SIP : Banking Information System
UKM : Usaha Kecil Menengah UKM : Small/Medium-Scale-Enterprise Industry
UMKM : Usaha Mikro Kecil Menengah UMKM : Small/Medium/Micro-Enterprise Industry
(SMEs)
NOM : Net Operating Margin NOM : Net Operating Margin
FDR : Financing to Deposit Ratio FDR : Financing to Deposit Ratio
iv
DAFTAR TABEL
LIST OF TABLES
NO. NO. TABEL JUDUL HAL TABLES TOPIC PAGES
DATA DATA
1. 1.0 Kegiatan Usaha Perbankan 2 1.0 Bank Industries Operation 2
DATA BANK UMUM
BERDASARKAN BUKU COMMERCIAL BANKS GROUP
OF BUSINESS ACTIVITIES
2. 1.1 1.8 Kegiatan Usaha Bank Umum 1.1 1.8
berdasarkan BUKU 4 Commercial Banks Group of 4
Business Activities
3. 1.9 1.16 Laporan Laba/Rugi Bank Umum 1.9 1.16
Business Acitivies - Income
Statements
4. 1.17 - 1.24 Rekening Administratif Bank Umum 1.17 - 1.24
Business Acitivies - Off-Balance
Sheet
5. 1.25 - 1.32 Kinerja Bank Umum Konvensional 1.25 - 1.32
berdasarkan BUKU 28 Performance of Commercial 28
Banks Group of Busineness
Activities
6. 1.33 Perkembangan Aset Bank Umum 1.33
Berdasarkan BUKU 36 Growth of Commercial Banks 36
Assets based on Group of
Business Activities
7. 1.34 Jumlah Bank Umum Berdasarkan 1.34
Pengelompokkan Total Aset BUKU 37 Total of Commercial Banks Based 37
on Total Assets
8. 1.35 1.42 Aset Produktif Bank Umum 1.35 1.42
Konvensional dan Kualitas Kredit 38 Earning Assets of Commercial 38
Bank Umum Kepada Bank Lain - Banks and Credit Quality of
BUKU Commercial Banks to Other Bank
9. 1.43 - 1.50 Komposisi DPK Bank Umum 1.43 - 1.50

Berdasarkan Lokasi bank 46 Composition of Third Party Funds 46
Penghimpunan Dana - BUKU of Commercial Banks Group of
Business Activities
10. 1.51 1.58 Suku Bunga Rata-rata DPK Bank 1.51 1.58
Umum BUKU 54 Average of Interest Rate of Third 54
Party Funds of Commercial
Conventional Banks Group of
Business Activities
11. 1.59 Perkembangan Jumlah Bank Umum 1.59
dan Kantor Bank Umum 62 Growth of Total Commercial 62
berdasarkan BUKU Banks and Bank Offices based
on Group of Business Activities
DATA BANK UMUM COMMERCIAL BANK

14. 1.1. s.d 1.7. Kegiatan Usaha Bank Umum 64 1.1. s.d 1.7. Commercial Banks Operation 64
15. 1.8 s.d 1.14. Laporan Laba/Rugi Bank Umum 71 1.8 s.d 1.14. Commercial Banks Income 71
Statement
16 1.15.a s.d Rekening Administratif Bank Umum 78 1.15.a s.d Commercial Banks Off-Balance 78
1.21. 1.21. Sheet
17. 1.22.a s.d Kinerja Bank Umum Konvensional 85 1.22.a s.d Commercial Banks Performance 85
1.28. 1.28.
18. 1.29 Perkembangan Aset Bank Umum 92 1.29 Growth of Commercial Banks 92
Berdasarkan Kelompok Bank Asset Based Group Bank
19. 1.30 Jumlah Bank Umum Berdasarkan 93 1.30 Total of Commercial Banks Based 93
Pengelompokkan Total Aset on Total Assets
v
20. 1.31 s.d 1.37 Aset Produktif Bank Umum 94 1.31 s.d 1.37 Earning Assets of Commercial 94
Konvensional dan Kualitas Kredit Banks and Credit Quality of
Bank Umum Kepada Bank Lain Commercial Banks to Other Bank
21. 1.38 s.d 1.44 Komposisi Dana Pihak Ketiga Bank 101 1.38 s.d 1.44 Composition of Third Party Funds 101
Umum of Commercial Banks
22. 1.45 Komposisi DPK Bank Umum 108 1.45 Composition of Third Party Funds 108
Berdasarkan Lokasi bank of Commercial Banks Based on
Penghimpunan Dana Bank Location Month (...) Year (...)
23. 1.46 Penghimpunan DPK Bank Umum 109 1.46 Third Party Funds of Commercial 109
Berdasarkan Lokasi Bank Banks Based on Bank Location of
Penghimpunan Dana Deposits
24. 1.47 s.d 1.53 Suku Bunga Rata-rata DPK Bank 110 1.47 s.d 1.53 Average of Interest Rate of Third 110
Umum Party Fund of Commercial Banks
25. 1.54 Suku Bunga Rata-rata Kredit Bank 117 1.54 Average of Credit Interest Rates 117
Umum kepada Pihak Bukan Bank of Commercial Bank to Parties
Berdasarkan Lapangan Usaha dan Non Bank Based on Industrial
Bukan Lapangan Usaha Penerima Origin and Non Industrial Origin
Kredit Credit Recipients
26. 1.55 Suku Bunga Rata-rata Kredit Bank 118 1.55 Average of Credit Interest Rate of 118
Umum kepada Pihak Ketiga Bukan Commercial Based on Types and
Bank Berdasarkan Jenis Orientation User
Penggunaan dan Orientasi
Penggunaan
27. 1.56 Perkembangan Jumlah Bank Umum 119 1.56 Growth of Total Commercial 119
dan Kantor Bank Umum Banks and Bank Offices
28. 1.57 Perkembangan Jumlah Kantor 120 1.57 Growth of Total Branch offices 120
Cabang Bank Berdasarkan Lokasi Based on Region
Bank
DATA BANK PERKREDITAN RURAL BANK DATA
RAKYAT
29. 2.1 Kegiatan Usaha Bank Perkreditan 122 2.1 Rural Bank Operations 122
Rakyat
30. 2.2 Kinerja Bank Perkreditan Rakyat 123 2.2 Rural Bank Performance 123
31. 2.3 Perkembangan Aset BPR 124 2.3 Growth of Assets Based Rural 124
Berdasarkan Lokasi BPR Bank Data
32. 2.4 Jumlah BPR Berdasarkan Total Aset 125 2.4 Rural Banks Based on Total 125
Assets
33. 2.5 Non Performing Loan (NPL) Bank 126 2.5 NPL of Rural Bank 126
Perkreditan Rakyat
34. 2.6 NPL BPR Berdasarkan Lokasi 127 2.6 NPL of Rural Banks Based On 127
Location
35. Dana Pihak Ketiga Third Party Funds of Rural Bank
128 128
2.7 a. Komposisi DPK Bank Perkreditan 2.7 a. Composition of Third Party
Rakyat Funds of Rural Bank
2.8 b. Komposisi DPK Berdasarkan 2.8 b. Composition of Third Party
Lokasi Penghimpunan Funds Based on Location
2.9 c. DPK BPR Berdasarkan Lokasi 2.9 c. Third Party Funds of Rural
Penghimpun Banks Based on Location
36. 2.10 Suku Bunga Rata-rata DPK BPR 131 2.10 Average of Third Party Interest 131
Rates of Rural Banks
37. 2.11 Suku Bunga Rata-rata Kredit BPR 132 2.11 Average of Credit Interest Rates 132
Berdasarkan Sektor Ekonomi of Rural Banks
38. 2.12 Suku Bunga rata-rata Kredit BPR 133 2.12 Average of Credit Interest Rates 133
Berdasarkan Jenis Penggunaan of Rural Banks Based on Type of
Use
vi
39. jdkjdjdkdkjdjd Perkembangan Jumlah Bank dan 134 jdkjdjdkdkjdjd Growth of Total Rural Banks and 134
kjddj Kantor Bank kjddj Bank Offices
2.13 a. Perkembangan Jumlah BPR 2.13 a. Growth of Total Rural Bank
b. Growth of Total Rural Bank
2.14 b. Perkembangan Jumlah BPR dan 2.14 Offices Based on Region
Kantor BPR Berdasarkan Lokasi
40. 2.15 Kegiatan Usaha BPR Syariah 136 2.15 Syariah Rural Bank 136
41. 2.16 Aset dan Pembiayaan BPR Syariah 137 2.16 Asset and Financing of Sharia 137
Rural Bank)
DATA PERKREDITAN CREDIT DATA
42. 3.1 3.8 Kredit dan NPL Bank Umum 3.1 3.8
Konvensional - BUKU Kepada Pihak Credit and NPL Credit of
Ketiga Bukan Bank Berdasarkan Commercial Banks Group of
Lapangan Usaha dan Bukan Business Activities to Non Bank
139 139
Lapangan Usaha Penerima Kredit Third Party Based on Business
Sector and non Business Sector of
Credit Beneficiary
45. 3.9 s.d 3.16 Kredit dan NPL Bank Umum 3.9 s.d 3.16
Konvensional - BUKU Kepada Pihak Credit and NPL of Commercial
Ketiga Bukan Bank Berdasarkan Conventional Banks Group of
Jenis Penggunaan dan Orientasi 147 Business Activities 1 to Non Bank 147
Penggunaan Third Party Based on Types and
Orientation of Use
51. 3.17 Kredit dan NPL Bank Umum 155 3.17 Credit and Non Performing Loan 155
Konvensional dan Bank Umum (NPL) of Commercial Conventional
Syariah berdasarkan BUKU and Sharia Banks based on
Group of Business Activities to
Non Bank Third Party Withdrawn
By Card
43. 3.1.a s.d Kredit dan NPL Bank Umum Kepada 156 3.1.a s.d 3.7.a Credit Channeling and NPL Credit 156
3.7.a Pihak Ketiga Bukan Bank Channeling of Commercial Banks
Berdasarkan Lapangan Usaha dan to Non Bank Third Party Based
Bukan Lapangan Usaha Penerima on Business Sector and non
Kredit Business Sector of Credit
Channeling Beneficiary
44. 3.8.a Kredit dan NPL Bank Umum Kepada 163 3.8.a Credit and NPL of Comemrcial 163
Pihak Ketiga Bukan Bank Bank to Non Bank Third Party
Berdasarkan Lapangan Usaha dan Based on Business Sector and
Bukan Lapangan Usaha Per Lokasi non Business Sector of Credit by
Dati I Bank Penyalur Kredit Region
46. 3.9.a s.d Kredit dan NPL Bank Umum Kepada 164 3.9.a s.d Credit and NPL of Commercial 164
3.15.a Pihak Ketiga Bukan Bank 3.15.a Banks to Non Bank Third Party
Berdasarkan Jenis Penggunaan dan Based on Types and Orientation
Orientasi Penggunaan of Use
47. 3.16.a Kredit dan NPL Bank Umum Kepada 171 3.16.a Credit and NPL of Commercial 171
Pihak Ketiga Bukan Bank Banks to Non Bank Third Party
Berdasarkan Jenis Penggunaan dan Based on Types and Orientation
Orientasi Penggunaan per Lokasi of Use by Bank Location for
Dati I Bank Penyalur Kredit [month] [year]
48. 3.17.a Kredit dan NPL Bank Umum Kepada 172 3.17.a Credit and NPL 0f Commercial 172
Pihak Ketiga Bukan Bank Banks to Non Bank Third Party
Berdasarkan Lokasi Dati I Bank Based on Bank Location
Penyalur Kredit
Pihak Ketiga Bukan Bank Bank to Non Bank Third Party
Berdasarkan Hubungan Penerima Based on Bank Relation with
Kredit dengan Bank Beneficiary
Pihak Ketiga Bukan Bank Yang Bank to Non Bank Third Party
Penarikannya Menggunakan Kartu Withdrawn By Card Based on
Berdasarkan Kelompok Bank Group of Bank
vii
52. 3.20.a Penerusan Kredit (Off-Balance 175 3.20.a Credit Channeling (Off-Balance 175
Sheet) dan NPL Penerusan Kredit Sheet) and NPLof Commercial
Bank Umum Kepada Pihak Ketiga Banks Based on Industries
Bukan Bank Berdasarkan Lapangan Sector and non Industries Sector
Usaha dan Bukan Lapangan Usaha of Credit Channeling Beneficiary
Penerima Penerusan Kredit
53. 3.21.a Penerusan Kredit (Off-Balance 176 3.21.a Off-Balance Sheet Credit 176
Sheet) dan Non PerformingLoan Channeling and NPL of
(NPL) Penerusan Kredit Bank Umum Commercial Banks to Non-Bank
Kepada Pihak Ketiga Bukan Bank Third Party Based on Types of
Berdasarkan Jenis Kredit dan Credit and Classification of Credit
Golongan Penyalur Kredit Providers
54. 3.22.a Kredit BPR Berdasarkan Sektor 177 3.22.a Credit of Rural Banks Based on 177
Ekonomi Economic Sector
55. 3.23.a Kredit Bank Perkreditan Rakyat 178 3.23.a Credit of Rural Banks Based on 178
Berdasarkan Jenis Penggunaan Type of Use
56. 3.24.a Kredit Bank Perkreditan Rakyat 179 3.24.a Credit of Rural Bank Based on 179
Berdasarkan Lokasi Bank Penyalur Location
57. 3.25.a Kredit dan NPL MKM dan UMKM 180 3.25.a Credit & NPL of MSMEs and 180
Berdasarkan Sektor Ekonomi SMEs Based on Economic Sector
58. 3.26.a Kredit dan NPL MKM dan UMKM 182 3.26.a Credit & NPL of MSMEs 182
and
Berdasarkan Jenis Penggunaan SMEs Based on Type Use
59. 3.27.a Kredit dan NPL Rincian Kredit MKM 183 3.27.a Credit & NPL of MSMEs and 183
dan UMKM Menurut Kelompok SMEs Based on Group of Bank
Bank
60. 2.28.a Kredit UMKM dan MKM Menurut 185 2.28.a Credit & NPL of MSMEs and 185
Lokasi Proyek per Daerah Tingkat I SMEs Based on Project Location
viii
DAFTAR TABEL TAMBAHAN dan PERUBAHAN NAMA TABEL
PENERBITAN STATISTIK BANK UMUM BERDASARKAN KELOMPOK USAHA
No. Nomor Tabel Nama Tabel Keterangan
1 Tabel 1 Kegiatan Usaha Perbankan Perubahan Nama Tabel

2 Tabel 1.1 Kegiatan Usaha Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel
3 Tabel 1.2 Kegiatan Usaha Bank Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru
7 Tabel 1.6 Kegiatan Usaha Bank Umum Syariah - BUKU 1 Tabel baru dgn nomor baru
8 Tabel 1.7 Kegiatan Usaha Bank Umum Syariah - BUKU 2 Tabel baru dgn nomor baru
9 Tabel 1.8 Laporan Laba/Rugi Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel
10 Tabel 1.9 Laporan Laba/Rugi Bank Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru
14 Tabel 1.13 Laporan Laba/Rugi Bank Umum Syariah - BUKU 1 Tabel baru dgn nomor baru
15 Tabel 1.14 Laporan Laba/Rugi Bank Umum Syariah - BUKU 2 Tabel baru dgn nomor baru
16 Tabel 1.15 Rekening Administratif Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel
17 Tabel 1.16 Rekening Administratif Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru
21 Tabel 1.20 Rekening Administratif Umum Syariah - BUKU 1 Tabel baru dgn nomor baru
22 Tabel 1.21 Rekening Administratif Umum Syariah - BUKU 2 Tabel baru dgn nomor baru
23 Tabel 1.22 Kinerja Bank Umum Konvensional Tabel baru dgn nomor baru
24 Tabel 1.23 Kinerja Bank Umum Konvensional BUKU 1 Tabel baru dgn nomor baru
28 Tabel 1.27 Kinerja Bank Umum Syariah BUKU 1 Tabel baru dgn nomor baru
29 Tabel 1.28 Kinerja Bank Umum Syariah BUKU 2 Tabel baru dgn nomor baru
Perkembangan Aset Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Kegiatan Tabel baru dgn nomor baru
30 Tabel 1.29 Usaha
Jumlah Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Pengelompokan Total Tabel baru dgn nomor baru
31 Tabel 1.30 Aset
32 Tabel 1.31 Aset Produktif Bank Umum Konvensional dan Kualitas Kredit Bank Umum kepada Bank Lain Tabel baru dgn nomor baru
33 Tabel 1.32 Aset Produktif dan Kualitas Kredit Bank Umum Konvensional BUKU 1 kepada Bank Lain Tabel baru dgn nomor baru
37 Tabel 1.36 Aset Produktif dan Kualitas Kredit Bank Umum Syariah BUKU 1 kepada Bank Lain Tabel baru dgn nomor baru
38 Tabel 1.37 Aset Produktif dan Kualitas Kredit Bank Umum Syariah BUKU 2 kepada Bank Lain Tabel baru dgn nomor baru
39 Tabel 1.38 Komposisi Dana Pihak Ketiga Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel
40 Tabel 1.39 Komposisi Dana Pihak Ketiga Bank Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru
44 Tabel 1.43 Komposisi Dana Pihak Ketiga Bank Umum Syariah - BUKU 1 Tabel baru dgn nomor baru
45 Tabel 1.44 Komposisi Dana Pihak Ketiga Bank Umum Syariah - BUKU 2 Tabel baru dgn nomor baru
46 Tabel 1.45 Suku Bunga Rata-rata DPK Bank Umum Konvensional dan Bank Umum Syariah Perubahan Nama Tabel
47 Tabel 1.46 Suku Bunga Rata-rata DPK Bank Umum Konvensional - BUKU 1 Tabel baru dgn nomor baru
51 Tabel 1.50 Suku Bunga Rata-rata DPK Bank Umum Syariah - BUKU 1 Tabel baru dgn nomor baru
52 Tabel 1.51 Suku Bunga Rata-rata DPK Bank Umum Syariah - BUKU 2 Tabel baru dgn nomor baru
53 Tabel 1.52 Perkembangan Jumlah Bank Umum dan Kantor Bank Umum berdasarkan Kelompok Usaha Tabel baru dgn nomor baru
Kredit dan NPL Bank Umum Konvensional dan Bank Umum Syariah Kepada Pihak Ketiga Perubahan Nama Tabel
54 Tabel 4.1 Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
Kredit dan NPL Bank Umum Konvensional BUKU 1 Kepada Pihak Ketiga Bukan Bank Berdasarkan Tabel baru dgn nomor baru
55 Tabel 4.2 Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
Kredit dan NPL Bank Umum Syariah BUKU 1 Kepada Pihak Ketiga Bukan Bank Berdasarkan Tabel baru dgn nomor baru
Kredit dan NPL Bank Umum Syariah BUKU 2 Kepada Pihak Ketiga Bukan Bank Berdasarkan Tabel baru dgn nomor baru
Kredit dan NPL Kredit Bank Umum Konvensional dan Bank Umum Syariah Kepada Pihak Perubahan Nama Tabel
61 Tabel 4.9 Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
No. Nomor Tabel Nama Tabel Keterangan
Kredit dan NPL Kredit Bank Umum Konvensional BUKU 1 Kepada Pihak Ketiga Bukan Bank Tabel baru dgn nomor baru
62 Tabel 4.10 Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
Kredit dan NPL Kredit Bank Umum Syariah BUKU 1 Kepada Pihak Ketiga Bukan Bank Tabel baru dgn nomor baru
Kredit dan NPL Kredit Bank Umum Syariah BUKU 2 Kepada Pihak Ketiga Bukan Bank Tabel baru dgn nomor baru
Kredit dan NPL Bank Umum Konvensional dan Bank Umum Syariah berdasarkan Kegiatan Usaha Tabel baru dgn nomor baru
68 Tabel 4.19 kepada Pihak Ketiga Bukan Bank Yang Penarikannya Menggunakan Kartu
METADATA
INFORMASI DASAR
1. Nama Data : Kelompok Bank Umum berdasarkan Kegiatan Usaha

2. Penyelenggara Statistik
: Departemen Perizinan dan Informasi Perbankan - OJK
3. Alamat : Kompleks Perkantoran BI, Jalan MH Thamrin No. 2 Jakarta, Menara Radius Prawiro Lantai 12
4. Nomor Telp : 021-1500 655
5. Nomor Fax : 021-3523705
6. Email : publikasi.idap@ojk.go.id
DEFINISI
Statistik Kelompok Bank Umum berdasarkan Kelompok Usaha disusun berdasarkan PERATURAN BANK INDONESIA
NOMOR 14/26/PBI/2012 TENTANG KEGIATAN USAHA DAN JARINGAN KANTOR BERDASARKAN MODAL INTI BANK.
Bank adalah Bank Umum sebagaimana dimaksud dalam Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan
sebagaimana telah diubah dengan Undang-Undang Nomor 10 Tahun 1998, termasuk kantor cabang dari bank yang
berkedudukan di luar negeri, dan Bank Umum Syariah serta Unit Usaha Syariah sebagaimana dimaksud dalam Undang-
Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah.
Modal Inti:
a. bagi Bank yang berbadan hukum Indonesia adalah modal inti sebagaimana dimaksud dalam ketentuan Bank Indonesia
yang mengatur mengenai kewajiban penyediaan modal minimum;
atau
b. bagi kantor cabang dari bank yang berkedudukan di luar negeri adalah dana usaha yang telah dialokasikan sebagai
Capital Equivalency Maintained Asset (CEMA) sebagaimana dimaksud dalam ketentuan Bank Indonesia yang mengatur
mengenai kewajiban penyediaan modal minimum.
Kegiatan Usaha adalah kegiatan usaha Bank Umum sebagaimana dimaksud dalam Undang-Undang Nomor 7 Tahun 1992
tentang Perbankan sebagaimana telah diubah dengan Undang-Undang Nomor 10 Tahun 1998 dan kegiatan usaha Bank
Umum Syariah serta Unit Usaha Syariah sebagaimana dimaksud dalam Undang-Undang Nomor 21 Tahun 2008 tentang
Perbankan Syariah.
Bank Umum berdasarkan Kegiatan Usaha yang selanjutnya disebut BUKU adalah pengelompokan Bank berdasarkan
Kegiatan Usaha yang disesuaikan dengan Modal Inti yang dimiliki.
Berdasarkan Modal Inti yang dimiliki, Bank dikelompokkan menjadi 4 (empat) BUKU, yaitu:
a. BUKU 1 adalah Bank dengan Modal Inti sampai dengan kurang dari Rp1.000.000.000.000,00 (satu triliun Rupiah);
b. BUKU 2 adalah Bank dengan Modal Inti paling sedikit sebesar Rp1.000.000.000.000,00 (satu triliun Rupiah) sampai
dengan kurang dari Rp5.000.000.000.000,00 (lima triliun Rupiah);
c. BUKU 3 adalah Bank dengan Modal Inti paling sedikit sebesar Rp5.000.000.000.000,00 (lima triliun Rupiah) sampai
dengan kurang dari Rp30.000.000.000.000,00 (tiga puluh triliun Rupiah); dan
d. BUKU 4 adalah Bank dengan Modal Inti paling sedikit sebesar Rp30.000.000.000.000,00 (tiga puluh triliun Rupiah).
Pengelompokan BUKU untuk Unit Usaha Syariah didasarkan pada Modal Inti Bank Umum Konvensional yang menjadi
induknya.
CAKUPAN
Bank Umum yang melaksanakan kegiatan usaha dengan prinsip Konvensional dan prinsip Syariah.
Data bank umum konvensional termasuk bank umum yang memiliki Unit Usaha Syariah
PERIODISASI
Bulanan
KETEPATAN WAKTU PUBLIKASI

Dua bulan setelah berakhirnya periode data
JADWAL PUBLIKASI KE DEPAN
Setiap tanggal 15 bulan berikutnya, dalam hal tanggal 15 jatuh pada hari libur maka terbit pada hari kerja
sebelumnya
SUMBER DATA
Laporan Bulanan Bank Umum (LBU) dan Laporan Stabilitas Moneter dan Keuangan (LSMK) Bank Umum Syariah
(BUS)-Unit Usaha Syariah (UUS)
METODOLOGI
Data disusun berdasarkan gabungan LBU dan LSMK BUS-UUS dari seluruh kantor bank pelapor di Indonesia.
INTEGRITAS DATA
Data merupakan data final pada saat dipublikasikan. Revisi data dilakukan pada publikasi berikutnya setelah
kekeliruan data ditemukan.
AKSES DATA
Data Statistik Bank Umum berdasarkan Kegiatan Usaha dapat diakses dalam website OJK: http://www.ojk.go.id
Statistik Perbankan Indonesia - Vol. 15, No. 3, Februari 2017 Indonesia Banking Statistics - Vol. 15, No. 3, February 2017
Tabel 1 Kegiatan Usaha Perbankan

(Bank Industries Operation)
Miliar Rp (Billion Rp)
2016 2017
Indikator 2012 2013 2014 2015 Indicator
Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan Feb
Penyaluran Dana Distribution of Funds
Bank Umum 4.172.672 4.823.303 5.468.910 5.952.279 5.992.529 6.030.583 6.031.425 6.097.764 6.156.310 6.187.586 6.230.578 6.315.962 6.313.549 6.430.734 6.570.903 6.557.575 6.596.165 Commercial Banks
Bank Perkreditan Rakyat 64.753 74.550 86.931 98.604 98.983 99.880 100.915 101.877 101.848 103.018 103.978 104.868 105.658 107.056 109.389 109.286 109.575 Rural Banks
SBI dan SBIS 1) 81.158 111.689 113.104 53.567 68.590 93.758 111.453 123.419 102.293 85.991 94.642 84.646 114.215 110.603 96.103 89.575 86.205 SBI and SBIS 1)
Sumber Dana Source of Funds
Jumlah Aset Total Assets
Jumlah Bank Total Banks
Bank Umum 120 120 119 118 118 118 118 118 118 118 118 118 118 118 116 116 115 Commercial Banks
Jumlah Kantor Total Bank Offices
Bank Umum 29.945 31.847 32.739 32.949 32.897 32.907 32.847 32.771 32.757 32.772 32.769 32.752 32.777 32.748 32.730 32.713 32.656 Commercial Banks
Ket : 1) Sertifikat Bank Indonesia Syariah Note: 1) Sharia Indonesian Banking Certificate
2
Tabel 1.1. Kegiatan Usaha Bank Umum

(Commercial Bank Operations)
2016 2017
Keterangan 2014 2015 Items
a. Kredit Yang Diberikan 3.706.501 4.092.104 3.998.090 4.029.924 4.035.929 4.100.142 4.200.214 4.161.193 4.177.313 4.243.803 4.246.406 4.314.909 4.413.414 4.346.798 4.342.578 a. Credit
- Kepada Pihak Ketiga 3.674.308 4.057.904 3.967.908 4.000.448 4.006.707 4.070.454 4.168.308 4.130.440 4.146.287 4.212.377 4.215.516 4.284.941 4.377.195 4.312.991 4.308.081 - To Third Party
Rupiah 3.057.964 3.423.180 3.367.556 3.406.400 3.424.213 3.465.410 3.574.689 3.538.713 3.555.527 3.617.385 3.614.747 3.643.062 3.736.609 3.665.758 3.680.621 Rupiah
Valas 616.345 634.724 600.353 594.049 582.493 605.043 593.619 591.727 590.761 594.991 600.769 641.879 640.585 647.233 627.460 Foreign Exchange
- Kepada Bank Lain 32.192 34.200 30.182 29.476 29.223 29.688 31.906 30.753 30.603 31.427 30.441 29.968 36.220 33.807 34.496 - Inter Bank Credit
Rupiah 19.100 21.443 18.963 18.316 18.139 18.373 20.417 20.628 19.823 19.955 19.060 18.456 22.983 21.338 22.551 Rupiah
b. Penempatan pada Bank Lain 182.432 211.901 197.168 212.549 217.427 214.897 219.545 217.302 208.222 218.065 223.520 217.573 207.050 197.988 203.568 b. Interbank Placement
- Giro 70.250 77.840 70.486 70.255 75.774 69.491 84.296 75.623 63.349 82.199 89.904 85.187 78.205 78.848 76.628 - Demand Deposit
- Inter Bank Call Money 77.697 104.725 86.307 89.386 87.303 93.906 93.207 90.861 100.405 92.210 87.161 89.373 98.230 80.459 81.762 - Inter Bank Call Money
- Deposito Berjangka 29.622 20.692 32.713 45.436 45.466 44.315 32.101 41.355 33.432 29.844 34.932 29.251 16.127 25.128 31.101 - Time Deposits
- Lainnya 4.864 8.643 7.662 7.473 8.885 7.185 9.941 9.463 10.984 13.812 11.523 13.762 14.489 13.554 14.078 - Others
c. Penempatan pada Bank Indonesia 569.018 685.575 662.649 594.407 546.025 536.597 589.981 552.202 574.662 613.307 593.401 631.911 717.840 653.511 662.785 c. Placement to Bank Indonesia
- Fine Tune Operation (FTO) 79.917 158.264 154.137 136.559 131.104 93.239 92.699 111.850 97.502 134.824 157.675 154.849 156.936 180.619 196.911 - Fine Tune Operation (FTO)
- Fasbi 123.020 123.177 136.088 122.594 74.409 101.790 133.056 92.644 117.532 117.157 82.705 113.047 185.371 102.958 89.348 - Fasbi
- Lainnya 4.493 10.772 4.119 4.983 3.614 3.517 24.399 3.434 2.359 3.562 2.629 6.377 4.806 4.408 5.040 - Others
d. Surat Berharga 636.688 660.828 745.492 808.048 848.066 867.027 803.547 845.099 883.785 832.030 884.641 889.763 860.522 910.267 934.484 d. Securitiess
- Sertifikat Bank Indonesia (SBI) 113.104 40.017 68.590 93.758 111.453 123.419 102.293 85.991 94.642 84.646 114.215 110.603 96.103 89.575 86.205 - Bank Indonesia Certificates (SBI)
- Surat Perbendaharaan Negara 19.418 26.443 23.688 26.971 28.592 28.893 23.638 23.648 24.192 23.802 31.841 34.450 31.352 39.303 42.475 - Treasury Bills
(SPN)
- Obligasi 369.849 485.238 510.522 511.317 527.749 543.239 535.646 541.951 566.093 532.376 552.503 563.835 561.963 572.962 580.222 - Bonds
- Lainnya 134.316 109.130 142.692 176.001 180.273 171.477 141.969 193.509 198.858 191.205 186.081 180.875 171.104 208.428 225.583 - Others
e. Penyertaan 20.984 25.605 25.858 25.872 25.801 26.197 27.037 27.064 27.206 27.579 27.518 28.050 33.889 34.277 34.444 e. Equity Investment
f. Cadangan Kerugian Penurunan 90.454 116.540 124.974 126.626 130.036 136.421 135.843 139.911 142.826 144.836 147.554 149.912 153.245 156.818 160.216 f. Impairment on Financial Assets
Nilai Aset Keuangan (CKPN)
- Kredit yang diberikan 83.240 110.161 118.882 120.542 124.057 130.341 129.650 134.226 137.076 139.180 141.962 144.193 147.470 151.214 154.479 - Credit
- Surat Berharga 2.289 1.612 1.604 1.505 1.490 1.508 1.510 1.503 1.525 1.535 1.561 1.614 1.404 1.566 1.745 - Securities
- Lainnya 4.926 4.767 4.488 4.579 4.490 4.572 4.683 4.182 4.224 4.121 4.031 4.105 4.371 4.037 3.992 - Others
g. Tagihan Spot dan Derivatif 17.483 20.611 21.804 19.452 17.416 17.334 17.614 17.791 15.473 16.636 15.312 16.049 13.693 13.206 12.205 g. Spot and Derivatives Claims
h. Tagihan Lainnya 245.350 155.488 216.495 213.705 210.724 199.148 162.529 227.026 201.093 219.705 175.197 186.362 171.250 244.710 245.885 h. Other claims
a. Dana Pihak Ketiga 4.114.420 4.413.056 4.437.515 4.468.955 4.478.409 4.508.452 4.574.671 4.585.381 4.610.130 4.604.579 4.652.658 4.733.977 4.836.758 4.825.336 4.846.420 a. Third Party Funds
Rupiah 3.434.579 3.665.444 3.721.893 3.771.158 3.799.176 3.844.286 3.895.574 3.907.664 3.929.219 3.903.805 3.950.343 4.006.714 4.091.634 4.083.229 4.108.153 Rupiah
Giro 605.276 667.537 703.122 739.250 744.254 775.325 772.463 764.962 770.086 762.383 780.439 815.528 821.777 815.577 831.806 Demand Deposit
Tabungan 1.187.559 1.274.588 1.218.231 1.207.544 1.223.028 1.228.244 1.299.796 1.284.658 1.299.497 1.300.848 1.298.098 1.328.103 1.413.351 1.360.244 1.357.460 Saving
Simpanan Berjangka 1.641.743 1.723.319 1.800.540 1.824.364 1.831.894 1.840.717 1.823.315 1.858.045 1.859.635 1.840.574 1.871.805 1.863.083 1.856.507 1.907.408 1.918.887 Time Deposits
Tabungan 96.899 121.423 118.578 118.633 116.844 117.815 119.165 123.005 124.291 129.291 130.848 131.554 138.459 136.424 133.156 Saving
Simpanan Berjangka 298.633 306.194 284.501 276.575 266.382 260.410 260.121 259.898 265.976 264.510 270.801 288.864 304.208 294.129 310.371 Time Deposits
b. Kewajiban kepada Bank Indonesia 2.147 691 813 933 526 866 1.231 1.256 1.012 963 873 832 808 1.724 1.040 b. Liabilities to BI
c. Kewajiban kepada Bank lain 132.956 161.094 150.969 165.534 170.145 166.530 160.562 167.180 158.080 165.034 163.334 157.031 168.531 157.321 166.009 c. Interbank Liabilities
d. Surat Berharga yang diterbitkan 54.308 65.544 63.614 63.666 62.565 69.019 72.866 71.706 75.251 81.274 82.508 86.540 93.222 86.736 85.647 d. Issued Securities
e. Pinjaman yang Diterima 145.853 177.718 164.722 154.077 152.369 155.572 153.696 150.740 147.316 146.717 152.681 163.595 179.671 174.090 175.144 e. Loans received
Rupiah 20.350 22.873 22.283 21.009 21.110 20.750 18.389 18.910 18.679 17.110 16.735 16.457 21.734 19.179 20.182 Rupiah
f. Kewajiban Spot dan Derivatif 18.880 27.728 26.275 21.886 20.251 22.095 19.639 17.916 15.872 15.643 13.928 17.496 14.302 13.138 11.988 f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup 120.691 109.623 79.570 79.476 79.729 85.155 114.712 80.877 86.430 154.734 86.701 90.383 100.710 89.142 86.748 g. Other Liabilities
Tagihan Akseptasi, dan Tagihan atas
Surat Berharga yang dijual dgn janji
dibeli kembali/repo)
h. Setoran Jaminan 5.622 6.292 5.186 5.294 5.134 5.155 5.091 4.908 4.784 5.245 4.744 4.892 5.206 4.886 4.876 h. Margin Deposits
Beberapa komponen modal Components of Capital
a. Modal Disetor 153.439 164.270 165.362 165.381 165.481 168.252 170.427 170.990 172.704 172.884 173.044 174.777 176.712 177.192 177.416 a. Paid In Capital
b. Cadangan 67.568 81.652 81.927 84.428 86.003 87.970 88.661 88.964 88.953 89.291 64.901 64.925 64.834 65.896 60.798 b. Reserves
c. L/R Tahun lalu 1) 256.642 323.763 426.837 412.289 396.016 390.590 387.086 386.234 386.250 385.914 410.327 409.191 411.187 520.715 521.506 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) 112.213 104.628 17.947 28.950 37.622 46.009 54.622 64.851 74.579 85.806 95.336 104.104 106.544 10.546 20.142 d. Current Earnings (Profit /Loss) 2)
e. Tambahan modal disetor 97.889 96.177 99.848 101.719 102.792 102.703 109.444 112.852 110.779 109.681 108.921 104.755 111.688 113.608 114.631 e. Additional Paid In Capital
f. Modal Pinjaman 34.432 40.878 42.759 42.674 42.616 43.005 44.802 45.206 45.323 44.663 45.358 44.767 41.692 43.476 43.445 f. Loan Capital
1) 1)
. Pada LBU 2008 tdk didefinisikan Vs Metadata LBU 2008 is not defined vs metada
2) 2) Positive difference of op. income and non op. minus op. expenses and non op. vs old metada
. Selisih positif dr Seluruh Pendapatan Op. dan Non Op.
*) Angka-angka sementara *) Provisional figures
r) Angka-angka diperbaiki r) Revised figures
4
Tabel 1.2. Kegiatan Usaha Bank Umum Konvensional - BUKU 1

(Commercial Conventional Banks - Group of Business Activities 1 )
2016 2017
a. Kredit Yang Diberikan 110.961 86.928 86.705 84.357 78.626 79.694 74.915 74.782 64.165 64.831 65.681 66.622 67.579 65.980 66.885 a. Credit
- Kepada Pihak Ketiga 109.924 86.092 85.975 83.672 77.968 78.973 74.167 74.050 63.569 64.229 65.080 66.028 66.902 65.296 66.145 - To Third Party
Rupiah 107.029 85.603 85.379 83.219 77.804 78.823 74.071 73.961 63.478 64.141 64.993 65.938 66.813 65.215 66.064 Rupiah
Valas 2.895 489 596 453 164 151 95 89 90 89 87 90 89 81 81 Foreign Exchange
- Kepada Bank Lain 1.037 836 730 685 658 721 748 731 596 601 600 594 677 684 741 - Inter Bank Credit
Rupiah 1.037 836 730 685 658 721 748 731 596 601 600 594 677 684 741 Rupiah
Valas - - - - - - - - - - - - - - - Foreign Exchange
- Giro 1.622 1.368 1.395 1.044 608 651 601 517 482 488 539 449 486 406 541 - Demand Deposit
- Inter Bank Call Money 3.704 5.574 2.691 4.648 4.114 5.692 3.792 4.654 2.254 1.880 1.100 910 2.760 615 725 - Inter Bank Call Money
- Lainnya 81 97 50 68 51 41 105 105 81 142 143 242 346 348 418 - Others
- Fine Tune Operation (FTO) 249 435 447 171 193 174 97 386 350 158 1.040 1.050 1.310 1.418 3.933 - Fine Tune Operation (FTO)
- Fasbi 9.408 5.428 11.485 9.931 9.575 8.334 7.908 6.914 5.586 6.463 4.345 5.467 3.527 6.062 4.800 - Fasbi
- Lainnya 33 36 110 109 107 109 60 10 7 - 19 16 14 7 8 - Others
- Surat Perbendaharaan Negara - - - - 29 30 - - - - - - - - 10 - Treasury Bills
-(SB/PN)
Obligasi 5.751 4.743 4.165 3.623 3.301 3.362 3.325 3.346 2.702 2.677 2.754 3.073 2.892 3.113 3.166 - Bonds
- Lainnya 4.237 3.228 4.092 5.260 3.332 3.343 2.519 2.755 2.405 2.289 2.107 2.472 2.932 3.533 3.720 - Others
e. Penyertaan 6 4 4 4 4 4 2 2 2 2 2 2 2 2 2 e. Equity Investment
f. Cadangan Kerugian Penurunan 1.313 932 980 989 1.014 1.018 991 959 877 889 908 914 829 868 884 f. Impairment on Financial Assets
- Kredit yang diberikan 1.037 687 735 744 769 774 748 716 635 646 666 671 586 626 637 - Credit
- Surat Berharga 1 0 0 0 0 0 0 0 - - - - - - - - Securities
- Lainnya 274 245 245 245 245 244 243 243 242 243 243 243 243 243 247 - Others
g. Tagihan Spot dan Derivatif 8 0 2 0 - - - - - - 0 0 - - - g. Spot and Derivatives Claims
h. Tagihan Lainnya 906 649 1.440 2.478 4.027 4.954 1.022 4.410 3.534 1.994 2.172 2.195 2.276 2.322 3.309 h. Other claims
a. Dana Pihak Ketiga 129.155 99.881 109.548 113.093 107.641 108.485 92.941 95.487 79.569 78.721 79.285 77.872 70.997 76.858 82.237 a. Third Party Funds
Rupiah 125.130 97.477 107.259 111.403 107.104 107.906 92.676 95.212 79.310 78.482 79.051 77.681 70.796 76.677 82.093 Rupiah
Tabungan 21.707 20.554 18.810 18.053 16.213 16.284 15.521 15.574 11.112 10.893 11.488 11.683 12.555 11.103 10.925 Saving
Valas 4.026 2.404 2.288 1.690 537 579 264 276 259 239 235 191 201 181 144 Foreign Exchange
Giro 948 753 778 610 259 303 69 127 97 103 101 52 61 58 43 Demand Deposit
Tabungan 13 14 13 - - - - - - - - - - - - Saving
Simpanan Berjangka 3.065 1.638 1.497 1.080 277 276 196 149 162 136 134 139 141 123 101 Time Deposits
b. Kewajiban kepada Bank Indonesia 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 b. Liabilities to BI
e. Pinjaman yang Diterima 703 621 279 260 254 213 176 176 117 118 118 107 162 112 101 e. Loans received
Rupiah 703 621 279 260 254 213 176 176 117 118 118 107 162 112 101 Rupiah
f. Kewajiban Spot dan Derivatif 4 0 0 1 - 0 0 - 0 0 - - - - - f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup 199 26 24 - - - 116 41 - 48 85 - - 85 - g. Other Liabilities
h. Setoran Jaminan 91 88 51 50 48 47 34 34 25 26 28 27 33 46 44 h. Margin Deposits
Beberapa komponen modal - Components of Capital
c. L/R Tahun lalu 1) 1.570 767 2.181 1.787 1.185 1.045 60 60 (69) (67) (67) (72) (69) 1.008 977 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) 2.014 1.570 350 496 691 806 647 773 736 777 927 1.048 861 153 318 d. Current Earnings (Profit /Loss) 2)
f. Modal Pinjaman 211 194 437 437 - - - - - - - - 168 168 168 f. Loan Capital
5

2016 2017
a. Kredit Yang Diberikan a. Credit
647.636 535.465 531.514 529.625 541.556 552.531 563.459 561.305 574.875 567.388 568.645 576.671 568.076 561.915 565.160
Rupiah 454.087 430.109 428.695 430.262 441.393 448.656 464.555 462.037 474.650 468.631 470.554 474.465 465.989 461.768 464.392 Rupiah
Rupiah 3.115 1.647 1.544 1.549 1.550 1.545 1.589 1.555 1.664 1.388 1.159 666 1.638 1.609 1.552 Rupiah
- Lainnya 1.116 1.560 1.547 1.656 1.963 1.420 1.564 1.529 1.830 2.137 2.009 1.781 1.965 2.163 2.982 - Others
- Fasbi 25.219 23.545 40.103 29.517 19.389 20.635 32.527 20.179 24.647 20.648 15.850 25.543 36.361 25.979 22.607 - Fasbi
- Lainnya 1.146 568 503 1.825 1.171 1.461 739 757 459 418 898 2.266 1.351 2.943 3.258 - Others
-(SB/PN)
Obligasi 60.241 39.638 40.528 36.668 38.747 40.067 41.441 40.761 42.376 43.980 43.778 43.758 38.900 40.032 41.718 - Bonds
- Lainnya 21.488 17.641 22.063 26.473 27.441 30.399 26.696 28.324 28.342 27.112 24.692 22.199 21.085 25.899 32.195 - Others
- Surat Berharga 911 27 30 30 28 29 32 44 37 36 33 18 22 22 21 - Securities
- Lainnya 1.556 652 690 726 656 708 723 661 656 671 691 728 787 762 811 - Others
Rupiah 495.449 442.803 483.409 504.812 534.607 540.418 533.360 545.105 558.639 527.540 531.654 539.095 499.793 523.285 539.761 Rupiah
Tabungan 110.562 102.613 92.685 91.358 96.112 97.854 103.632 105.245 111.461 102.913 104.341 106.505 112.699 104.260 103.224 Saving
Tabungan 13.391 7.259 6.842 6.805 6.725 6.775 6.810 6.917 6.798 6.840 6.412 6.351 5.027 5.292 5.389 Saving
Rupiah 4.617 5.032 4.380 3.937 3.536 3.186 3.520 3.721 3.826 3.225 2.876 3.515 6.579 5.887 5.616 Rupiah
h. Setoran Jaminan 764 811 662 764 650 674 659 589 587 1.107 684 714 528 503 559 h. Margin Deposits
6

2016 2017
Rupiah 983.325 1.193.303 1.174.066 1.192.780 1.192.338 1.199.507 1.232.573 1.216.095 1.216.417 1.222.642 1.212.368 1.216.058 1.257.604 1.232.624 1.096.966 Rupiah
Rupiah 7.241 9.431 8.934 9.039 8.627 8.873 9.152 9.401 9.168 9.027 8.818 8.833 9.706 9.544 6.891 Rupiah
- Deposito Berjangka 445 1.865 4.209 4.359 3.494 3.684 4.638 3.987 4.397 4.118 4.318 3.728 1.879 3.609 3.644 - Time Deposits
- Lainnya 3.513 5.207 4.505 4.043 4.599 4.013 5.681 5.330 5.107 5.968 5.567 6.040 6.191 5.563 5.628 - Others
- Fasbi 22.182 36.022 45.552 43.244 27.845 47.476 50.830 39.784 41.880 44.802 39.894 36.126 61.082 41.664 27.186 - Fasbi
- Lainnya 1.613 6.637 402 291 438 144 11 8 9 1.447 200 2.809 3.022 408 184 - Others
-(SB/PN)
Obligasi 90.729 161.298 171.851 177.731 183.181 183.708 175.400 176.026 184.217 178.073 180.864 188.248 188.189 187.438 173.233 - Bonds
- Lainnya 40.682 40.287 46.572 66.502 69.987 64.427 50.352 68.749 80.412 82.703 76.156 73.783 65.906 81.998 88.231 - Others
- Lainnya 702 1.206 809 820 780 798 782 676 686 674 690 763 833 791 326 - Others
Rupiah 997.947 1.192.505 1.228.299 1.238.450 1.235.381 1.261.458 1.247.676 1.279.278 1.297.953 1.267.187 1.283.256 1.291.749 1.311.815 1.336.193 1.191.060 Rupiah
Tabungan 242.866 262.873 259.277 254.343 262.888 263.913 270.618 271.307 276.610 271.235 269.894 273.855 290.974 281.396 242.276 Saving
Tabungan 40.820 63.767 64.332 64.552 63.845 63.880 63.961 67.633 67.892 69.742 68.721 70.352 74.810 74.444 65.627 Saving
Rupiah 11.592 14.225 14.627 13.814 14.332 14.345 11.688 12.007 11.522 10.380 10.619 9.711 11.632 9.928 11.200 Rupiah
7

2016 2017
Rupiah 1.373.530 1.569.174 1.536.075 1.555.279 1.567.519 1.591.263 1.653.567 1.638.076 1.651.972 1.697.779 1.701.239 1.719.953 1.777.424 1.740.234 1.886.944 Rupiah
Rupiah 7.227 8.970 7.215 6.515 6.774 6.688 8.284 8.307 7.850 8.360 7.906 7.795 10.401 8.961 12.828 Rupiah
Valas 684 636 979 1.033 1.036 1.061 936 988 1.922 2.225 1.963 1.635 1.910 1.243 1.200 Foreign Exchange
- Lainnya 14 1.724 1.499 1.701 2.263 1.692 2.571 2.497 3.932 5.537 3.797 5.682 5.939 5.474 5.029 - Others
- Fasbi 48.473 48.061 29.778 29.600 9.095 16.459 33.113 13.021 33.274 29.192 9.449 32.064 68.961 15.816 22.613 - Fasbi
- Lainnya 0 0 0 - 0 0 21.647 0 0 2 3 3 1 1 10 - Others
-(SB/PN)
Obligasi 204.807 265.442 279.166 277.044 285.908 299.775 300.210 307.296 321.431 291.968 308.670 311.850 315.099 324.631 342.085 - Bonds
- Lainnya 66.022 45.861 67.817 75.517 77.338 70.954 59.438 90.986 85.025 75.915 79.458 78.991 76.037 94.169 98.946 - Others
- Surat Berharga 807 899 890 791 781 784 793 767 776 794 822 856 821 1.126 1.334 - Securities
- Lainnya 2.354 2.572 2.640 2.699 2.720 2.750 2.856 2.527 2.609 2.500 2.375 2.337 2.470 2.206 2.571 - Others
g. Tagihan Spot dan Derivatif 281 1.409 1.713 1.302 907 504 1.472 1.776 970 1.741 1.416 1.026 715 853 1.518 g. Spot and Derivatives Claims
Rupiah 1.656.503 1.769.768 1.741.256 1.755.567 1.760.933 1.773.024 1.857.776 1.822.622 1.826.987 1.843.310 1.868.155 1.907.327 2.015.164 1.953.178 2.098.704 Rupiah
Tabungan 762.157 835.954 794.941 791.841 795.681 799.362 858.129 839.657 847.258 856.176 852.159 875.121 932.553 899.906 936.980 Saving
Tabungan 42.524 50.241 47.244 47.117 46.121 47.010 48.253 48.307 49.473 52.566 55.570 54.700 58.459 56.531 61.972 Saving
b. Kewajiban kepada Bank Indonesia 1.222 543 620 505 524 864 877 853 926 873 871 830 806 841 853 b. Liabilities to BI
Rupiah 1.186 1.045 1.047 1.049 1.038 1.056 1.055 1.055 1.064 1.065 1.057 1.059 1.044 1.035 1.044 Rupiah
f. Kewajiban Spot dan Derivatif 1.584 1.991 1.879 1.435 1.247 2.873 966 952 1.148 1.183 1.047 2.580 1.448 929 1.245 f. Spot and Derivatives Liabilities
f. Modal Pinjaman 3.762 3.753 3.729 3.727 3.726 3.734 3.727 3.719 3.711 3.708 3.708 3.716 215 206 3.175 f. Loan Capital
8
Tabel 1.6. Kegiatan Usaha Bank Umum Syariah - BUKU 1

(Commercial Sharia Banks - Group of Business Activities 1 )
2016 2017
Rupiah 25.298 17.491 14.320 14.516 14.615 14.677 14.926 15.004 15.270 15.488 15.601 15.698 11.396 11.166 11.192 Rupiah
Valas 399 4 2 0 0 - - - - - - - - - - Foreign Exchange
- Kepada Bank Lain 111 88 85 83 82 80 58 56 40 39 37 35 34 27 26 - Inter Bank Credit
Rupiah 111 88 85 83 82 80 58 56 40 39 37 35 34 27 26 Rupiah
b. Penempatan pada Bank Lain 1.143 962 863 844 831 746 772 782 837 795 794 817 808 603 526 b. Interbank Placement
- Giro 395 290 278 283 274 278 289 294 299 282 281 274 270 265 52 - Demand Deposit
- Inter Bank Call Money - - - - - - - - - - - - - - - - Inter Bank Call Money
- Deposito Berjangka 744 670 585 560 556 468 483 488 538 513 513 543 538 338 474 - Time Deposits
- Lainnya 3 2 - 1 1 - - - - - - - - - - - Others
- Giro 1.314 1.139 782 785 827 857 1.541 959 909 829 820 840 561 609 634 - Demand Deposit
- Fine Tune Operation (FTO) 121 85 203 203 248 250 295 350 345 340 340 240 240 450 455 - Fine Tune Operation (FTO)
- Fasbi 4.248 2.056 719 1.286 915 1.243 402 1.064 1.197 1.362 676 552 2.050 1.189 386 - Fasbi
- Lainnya 112 0 - - - - - - - - - - - - - - Others
d. Surat Berharga 1.126 864 905 983 1.004 1.008 1.134 1.004 1.070 1.091 992 1.105 750 423 552 d. Securitiess
- Sertifikat Bank Indonesia (SBI) - - - - - - - - - - - - - - - - Bank Indonesia Certificates (SBI)
- Surat Perbendaharaan Negara - - - - - - - - - - - - - - - - Treasury Bills
(SB/PN)
- Obligasi 1.082 809 757 747 808 808 793 793 794 794 794 792 286 300 317 - Bonds
- Lainnya 44 54 148 236 196 200 341 210 276 297 198 312 463 123 235 - Others
f. Cadangan Kerugian Penurunan 512 420 377 381 400 941 442 625 849 705 990 685 852 867 875 f. Impairment on Financial Assets
- Kredit yang diberikan 497 396 361 364 385 926 426 610 832 689 975 669 840 858 866 - Credit
- Lainnya 8 10 9 9 8 8 8 8 8 8 8 8 8 8 7 - Others
g. Tagihan Spot dan Derivatif - - - - - - - - - - - - - - - g. Spot and Derivatives Claims
h. Tagihan Lainnya - - 164 92 244 329 213 250 - 89 113 302 150 715 924 h. Other claims
Rupiah 26.393 18.054 14.922 15.460 15.249 16.076 15.765 16.177 15.950 15.824 15.700 15.592 12.101 12.517 12.226 Rupiah
Giro 1.357 1.134 643 601 624 791 821 787 896 846 877 895 1.055 748 642 Demand Deposit
Tabungan 3.336 2.124 1.872 1.886 1.954 1.827 1.855 1.949 2.015 2.183 1.989 1.981 1.599 1.486 1.510 Saving
Valas 350 57 51 58 58 110 108 75 50 47 44 44 - - - Foreign Exchange
Giro 166 42 49 57 57 110 107 75 50 47 44 43 - - - Demand Deposit
Tabungan 0 0 0 0 0 0 0 0 0 0 0 0 - - - Saving
Simpanan Berjangka 183 15 1 1 1 - - - - - - - - - - Time Deposits
b. Kewajiban kepada Bank Indonesia - - - - - - - - - - - - - - - b. Liabilities to BI
c. Kewajiban kepada Bank lain 1.476 933 731 694 671 638 840 738 606 735 625 889 901 533 368 c. Interbank Liabilities
d. Surat Berharga yang diterbitkan 487 300 53 265 448 48 253 64 376 708 313 383 883 26 - d. Issued Securities
e. Pinjaman yang Diterima 116 114 114 114 114 114 114 114 114 114 114 114 115 115 120 e. Loans received
Rupiah 116 114 114 114 114 114 114 114 114 114 114 114 115 115 120 Rupiah
f. Kewajiban Spot dan Derivatif 0 - - - - - - - - - - - - - - f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup - - - - - - - - - - - - - - - g. Other Liabilities
b. Cadangan 22 41 38 38 45 45 45 45 45 45 45 45 45 45 45 b. Reserves
c. L/R Tahun lalu 1) 122 (74) (96) (105) (99) (98) (98) (98) (98) (98) (98) (98) (123) (625) (620) c. Retained Earnings (Profit/Loss) 1)
2)
d. L/R Tahun berjalan sesudah pajak 265 78 67 91 67 (472) 6 (136) (365) (207) (476) (156) (512) 5 9 d. Current Earnings (Profit /Loss) 2)
e. Tambahan modal disetor 199 395 403 425 415 15 63 116 316 264 265 263 245 245 245 e. Additional Paid In Capital
f. Modal Pinjaman - - - - - - - - - - - - - - - f. Loan Capital
r) Angka-angka direvisi r) Revised figures
9

2016 2017
Rupiah 114.695 81.278 83.491 84.048 84.206 85.325 87.025 85.670 85.371 99.900 100.476 101.363 106.993 105.567 106.466 Rupiah
- Kepada Bank Lain 369 307 303 294 298 311 386 380 310 364 345 346 341 335 329 - Inter Bank Credit
Rupiah 369 307 303 294 298 311 386 380 310 341 345 346 341 335 329 Rupiah
Valas - - - - - - - - - 23 - - - - - Foreign Exchange
- Giro 1.735 1.626 1.250 1.506 1.127 1.099 1.486 1.414 917 1.398 920 597 1.265 1.003 1.007 - Demand Deposit
- Deposito Berjangka 273 434 423 446 449 333 578 173 57 258 640 710 440 60 60 - Time Deposits
- Lainnya 137 45 60 2 6 18 19 0 33 27 6 16 46 4 19 - Others
- Fasbi 13.490 5.201 5.563 6.669 5.844 6.001 5.743 7.582 7.813 11.880 9.162 9.673 9.802 8.675 7.236 - Fasbi
- Lainnya 1.589 3.255 1.165 570 541 178 317 433 557 455 401 402 418 650 1.114 - Others
- Surat Perbendaharaan
Sertifikat Negara
Bank Indonesia (SBI) - - - - - - - - - - - - - - - - Bank Indonesia Certificates (SBI)
(SB/PN) - 98 148 222 360 262 263 214 567 543 1.234 1.913 1.979 1.643 521 - Treasury Bills
- Obligasi 7.239 8.687 9.422 9.842 10.017 9.738 9.440 8.694 9.511 9.606 10.243 10.688 11.170 11.398 13.128 - Bonds
- Lainnya 1.843 895 826 854 791 980 1.471 1.379 1.290 1.774 2.361 2.083 3.301 1.556 1.269 - Others
- Lainnya 30 23 29 25 25 9 16 13 13 16 16 17 22 20 22 - Others
g. Tagihan Spot dan Derivatif - - - - 2 - - 0 - - - 32 31 29 17 g. Spot and Derivatives Claims
h. Tagihan Lainnya 2.104 846 832 670 641 650 741 733 732 1.296 1.158 1.228 1.713 1.581 1.832 h. Other claims
Sumber Dana 0 Source of Funds
Rupiah 133.157 88.131 89.953 89.357 89.317 89.736 91.067 90.241 91.546 111.156 110.835 112.957 118.325 117.073 119.760 Rupiah
Tabungan 46.931 25.482 26.018 25.802 25.776 25.048 25.514 26.094 25.948 31.523 31.814 32.443 35.212 34.483 34.935 Saving
Giro 2.712 1.940 1.453 1.089 1.128 1.136 1.449 1.260 1.127 1.194 1.266 1.021 1.032 1.064 869 Demand Deposit
Tabungan 151 139 147 158 152 149 141 147 128 143 145 151 163 158 167 Saving
b. Kewajiban kepada Bank Indonesia - - - - - - - - - 81 1 1 1 1 1 b. Liabilities to BI
d. Surat Berharga yang diterbitkan 2.950 2.991 740 1.095 1.215 1.460 1.735 2.327 1.868 1.925 2.059 2.740 4.612 1.907 990 d. Issued Securities
Rupiah 2.136 1.836 1.836 1.836 1.836 1.836 1.836 1.836 2.036 2.209 1.951 1.951 2.201 2.101 2.101 Rupiah
f. Kewajiban Spot dan Derivatif - - - 2 2 - - - 0 - - 10 4 2 1 f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup 867 515 396 253 262 295 361 349 270 258 201 120 282 426 506 g. Other Liabilities
Beberapa komponen modal - - Components of Capital
b. Cadangan 975 1.807 1.809 1.810 1.933 1.956 1.964 1.974 1.974 2.990 2.990 2.988 2.958 2.958 2.958 b. Reserves
c. L/R Tahun lalu 1) 3.444 (48) 349 459 337 (264) (214) (224) (224) (224) (224) (257) (232) 948 948 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) 437 306 130 200 266 321 388 472 526 608 705 843 1.139 131 260 d. Current Earnings (Profit /Loss) 2)
f. Modal Pinjaman - - 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 1.500 2.500 2.500 f. Loan Capital
r) Angka-angka direvisi r) Revised figures
10

2016 2017
a. Kredit Yang Diberikan - 50.865 49.916 50.530 50.840 51.845 52.510 52.248 52.780 53.047 53.689 53.843 55.388 54.006 53.366 a. Credit
- Kepada Pihak Ketiga - 50.701 49.764 50.379 50.689 51.690 52.310 52.050 52.585 52.847 53.495 53.657 55.202 53.828 53.181 - To Third Party
Rupiah - 46.212 45.528 46.296 46.339 47.160 47.973 47.871 48.368 48.805 49.516 49.588 50.390 49.183 48.598 Rupiah
Valas - 4.489 4.235 4.083 4.350 4.530 4.337 4.180 4.217 4.042 3.979 4.069 4.812 4.644 4.584 Foreign Exchange
- Kepada Bank Lain - 164 153 150 151 156 200 198 195 200 194 186 186 179 184 - Inter Bank Credit
Rupiah - 164 153 150 151 156 200 198 195 200 194 186 186 179 184 Rupiah
b. Penempatan pada Bank Lain - 532 440 743 1.062 437 671 622 1.013 514 595 842 1.552 1.108 1.040 b. Interbank Placement
- Giro - 531 438 742 1.061 436 669 621 1.012 513 593 841 1.551 1.106 1.038 - Demand Deposit
- Deposito Berjangka - - - - - - - - - - - - - - - - Time Deposits
- Lainnya - 1 1 1 1 1 1 1 1 1 1 1 1 1 1 - Others
c. Penempatan pada Bank Indonesia - 7.944 10.134 9.342 8.654 8.376 9.232 12.147 11.031 10.900 11.725 12.853 11.996 14.342 15.375 c. Placement to Bank Indonesia
- Giro - 2.905 3.005 2.607 2.949 3.009 2.972 3.070 3.120 3.201 3.237 3.300 3.357 5.318 5.339 - Demand Deposit
- Fine Tune Operation (FTO) - 1.900 2.300 2.200 2.600 2.100 2.100 2.750 3.450 3.650 4.050 5.050 5.050 5.050 5.050 - Fine Tune Operation (FTO)
- Fasbi - 2.863 2.890 2.347 1.747 1.641 2.534 4.100 3.134 2.810 3.329 3.622 3.589 3.573 4.520 - Fasbi
- Lainnya - 276 1.939 2.188 1.358 1.626 1.625 2.227 1.327 1.240 1.109 881 - 401 467 - Others
d. Surat Berharga - 7.727 7.740 8.206 7.761 7.240 6.572 6.399 6.437 6.662 6.753 6.659 6.907 7.216 7.848 d. Securitiess
Sertifikat
- Surat Bank Indonesia
Perbendaharaan (SBI)
Negara - - - - - - - - - - - - - - - - Bank Indonesia Certificates (SBI)
(SB/PN) - 1.941 1.933 1.387 787 284 383 258 266 268 245 199 99 17 288 - Treasury Bills
- Obligasi - 4.621 4.633 5.662 5.787 5.781 5.036 5.034 5.063 5.279 5.400 5.426 5.427 6.048 6.574 - Bonds
- Lainnya - 1.164 1.174 1.158 1.187 1.175 1.152 1.107 1.108 1.115 1.109 1.035 1.380 1.150 987 - Others
e. Penyertaan - 50 50 50 50 50 50 50 50 50 50 50 50 50 50 e. Equity Investment
f. Cadangan Kerugian Penurunan - 2.008 2.110 2.072 2.092 2.117 1.954 2.010 1.965 1.902 1.895 1.949 1.993 1.815 1.748 f. Impairment on Financial Assets
- Kredit yang diberikan - 1.797 1.892 1.864 1.884 1.909 1.747 1.803 1.804 1.741 1.735 1.789 1.830 1.791 1.726 - Credit
- Surat Berharga - 152 152 152 153 152 152 152 152 152 152 151 154 16 14 - Securities
- Lainnya - 59 66 56 56 56 55 55 10 10 9 9 9 9 8 - Others Claims
g. Tagihan Spot dan Derivatif - - 0 0 0 0 0 0 0 0 0 0 - 0 0g. Spot and Derivatives Claims
h. Tagihan Lainnya - 741 1.384 587 1.344 576 790 854 587 1.566 1.363 1.513 1.123 724 86h. Other claims
a. Dana Pihak Ketiga - 62.057 63.371 63.160 63.359 62.338 63.792 65.844 65.311 65.978 67.318 68.096 69.957 70.242 70.574 a. Third Party Funds
Rupiah - 56.702 56.795 56.108 56.584 55.667 57.253 59.030 58.834 60.305 61.693 62.314 63.641 64.306 64.548 Rupiah
Giro - 4.340 3.987 4.116 4.140 4.975 4.826 5.827 5.648 5.036 5.017 5.148 5.097 4.843 4.879 Demand Deposit
Tabungan - 24.984 24.628 24.260 24.405 23.956 24.527 24.832 25.093 25.924 26.413 26.515 27.759 27.611 27.609 Saving
Simpanan Berjangka - 27.378 28.180 27.732 28.040 26.736 27.900 28.371 28.093 29.345 30.263 30.651 30.785 31.852 32.060 Time Deposits
Valas - 5.355 6.576 7.052 6.775 6.671 6.539 6.814 6.476 5.673 5.625 5.782 6.317 5.936 6.026 Foreign Exchange
Giro - 1.490 1.473 1.517 1.954 2.228 2.278 2.344 1.758 1.470 1.426 1.242 1.833 1.315 1.357 Demand Deposit
Tabungan - 3 0 - - - - - - - - - - - - Saving
Simpanan Berjangka - 3.862 5.103 5.535 4.821 4.443 4.262 4.470 4.718 4.203 4.199 4.540 4.484 4.621 4.669 Time Deposits
b. Kewajiban kepada Bank Indonesia - - - - - - - - - - - - - - - b. Liabilities to BI
c. Kewajiban kepada Bank lain - 412 375 349 393 310 264 445 414 433 408 825 494 450 605 c. Interbank Liabilities
d. Surat Berharga yang diterbitkan - 500 - - - - - - - - 200 - - - - d. Issued Securities
e. Pinjaman yang Diterima - - - - - - - - - - - - - - - e. Loans received
Rupiah - - - - - - - - - - - - - - - Rupiah
f. Kewajiban Spot dan Derivatif - - - - - - - - - - - - - - - f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup - 264 271 254 295 285 265 165 179 187 126 105 114 106 86 g. Other Liabilities
h. Setoran Jaminan - 59 51 47 34 35 24 24 24 25 26 26 24 24 26 h. Margin Deposits
a. Modal Disetor - 1.989 1.989 1.989 1.989 1.989 1.989 1.989 1.989 1.989 1.989 2.489 2.489 2.489 2.489 a. Paid In Capital
b. Cadangan - 298 298 298 298 398 398 398 398 398 398 398 398 398 398 b. Reserves
c. L/R Tahun lalu 1) - 2.890 2.945 2.945 2.945 2.845 2.845 2.845 2.845 2.845 2.845 2.845 2.845 3.170 3.170 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) - 250 40 77 108 137 168 198 224 246 269 289 325 29 57 d. Current Earnings (Profit /Loss) 2)
e. Tambahan modal disetor - 50 39 40 39 40 39 39 39 39 39 39 (24) (8) (9) e. Additional Paid In Capital
f. Modal Pinjaman - - 500 500 500 500 500 500 500 500 500 500 375 375 375 f. Loan Capital
11
Tabel 1.9. Laporan Laba / Rugi Bank Umum

(Commercial Banks Income Statements)
2016 2017
A. Pendapatan dan Beban Bunga A. Interest Income and Interest Expenses
1. Pendapatan bunga 568.014 646.614 111.869 168.507 223.326 280.195 339.057 394.702 451.557 508.731 596.810 621.715 681.460 61.630 115.936 1. Interest Income
a. Dari Bank Indonesia 7.816 7.620 1.091 1.632 2.169 2.504 2.966 3.453 3.896 4.294 4.772 5.296 5.990 764 1.302 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 6.846 8.026 1.244 1.812 2.436 3.063 3.602 4.142 4.625 5.012 5.586 6.166 6.667 580 1.050 b. From interbank placement
c. Dari surat berharga 37.215 42.746 7.743 11.972 16.465 21.220 25.581 29.798 34.189 38.731 43.578 47.988 52.404 4.640 9.040 c. From securities
d. Dari Kredit yang diberikan 403.926 450.988 79.317 118.995 157.387 196.859 235.891 274.816 314.063 354.565 425.480 433.211 474.705 43.320 80.206 d. From credit
- kepada pihak ketiga bukan bank 402.163 448.959 78.973 118.440 156.657 195.918 234.823 273.556 312.620 352.952 423.590 431.242 472.391 43.083 79.790 - To Third Party non Bank
- kepada bank lain 1.763 2.029 344 555 730 941 1.069 1.259 1.443 1.613 1.891 1.969 2.314 238 417 - To other Bank
e. Lainnya 112.211 137.234 22.474 34.096 44.870 56.549 71.017 82.492 94.784 106.129 117.394 129.054 141.694 12.326 24.337 e Others
2. Beban Bunga 293.842 338.259 58.123 86.450 113.593 141.753 172.458 199.803 228.343 254.634 313.376 309.884 338.622 32.606 58.914 2. Interest Expenses
a. Kepada Bank Indonesia 562 477 76 115 152 190 229 268 306 346 386 430 447 7 12 a. Bank Indonesia Liabilites
b. Kewajiban pada Bank lain 4.613 6.486 1.207 1.800 2.373 2.942 3.567 4.142 4.656 5.321 5.816 6.328 6.924 665 1.205 b. Interbank Liabilities
c. Kepada pihak ketiga bukan Bank 172.936 187.208 29.899 45.352 60.044 75.020 89.311 103.935 118.809 132.348 146.731 160.727 174.977 14.712 28.194 c. Third Party non Bank
- Tabungan 24.317 22.410 3.999 5.926 7.671 9.522 11.337 13.221 15.315 17.097 18.981 20.801 22.743 1.969 3.832 - Saving
- Simpanan Berjangka 135.003 149.940 23.475 35.740 47.391 59.164 70.279 81.716 93.180 103.661 114.815 125.595 136.415 11.167 21.389 - Time deposits
d. Surat Berharga 6.993 7.956 1.298 1.915 2.656 3.174 3.834 4.496 5.171 5.859 6.639 7.417 8.227 823 1.529 d. Securities
e. Pinjaman yang diterima 3.502 4.334 1.007 1.509 2.013 2.649 3.440 3.619 4.122 4.694 5.288 5.765 6.327 1.065 1.151 e. Loans received
f. Lainnya 104.298 130.259 21.915 33.112 43.733 55.276 69.839 81.160 93.225 103.958 115.689 127.113 139.706 12.056 23.684 f. Others
g. Koreksi atas pendapatan bunga 939 1.540 2.721 2.647 2.622 2.500 2.237 2.184 2.054 2.109 2.103 2.105 2.015 3.278 3.139 g. Corrections
B. Pendapatan Bunga Bersih (A1-A2) 274.171 308.355 53.746 82.057 109.734 138.443 166.599 194.899 223.214 254.096 283.434 311.830 342.838 29.024 57.022 B. Net Interest Income (A1-A2)
C. Pendapatan dan Beban Operasional Lain C. Other Operating Income and Expenses
1. Pendapatan Operasional Selain Bunga 148.439 210.957 56.956 81.203 92.817 105.179 129.111 141.277 160.254 181.286 193.128 208.510 249.691 37.822 52.308 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan 6.306 5.584 1.395 2.569 3.490 3.831 4.750 6.154 7.043 8.017 8.469 8.557 8.875 822 1.550 a. Increase in fair value and gain
penjualan surat berharga form sale of securities
b. Peningkatan Nilai Wajar dan keuntungan 239 49 - - - - - - - - 390 390 390 - - b. Increase in fair value and gain
penjualan kredit yang diberikan form sale of credit
c. Peningkatan Nilai Wajar dan keuntungan 55 0 101 149 125 62 94 127 158 160 185 36 39 69 115 c. Increase in fair value and gain
penjualan aset keuangan lainnya form sale of other financial assets
d. Keuntungan Transaksi Spot dan Derivatif 50.757 107.699 28.821 41.368 46.382 50.840 63.147 68.188 77.378 89.447 90.228 95.897 101.314 10.662 15.801 d. Gain from spot and derivative transaction
e. Deviden, keuntungan penyertaan equity 54.203 57.923 8.914 14.564 19.543 24.819 30.657 35.330 40.623 45.890 51.079 56.489 63.817 5.210 10.300 e. Deviden, gain from investment in shares
method, komisi/provisi/fee with equity method,
fees/comissions/provisions
f. Lainnya 36.879 39.702 17.710 22.554 23.276 25.627 30.463 31.478 35.051 37.772 42.777 47.140 75.256 20.986 24.405 f Others
2. Beban Operasional Selain Beban Bunga 278.849 386.114 88.013 127.211 155.546 187.558 226.978 254.126 289.760 327.737 354.585 388.812 456.244 53.241 83.486 2. Non Interest Expense
a. Penurunan Nilai Wajar dan kerugian 2.577 2.853 559 512 673 734 747 1.004 1.405 1.537 1.927 2.581 2.474 207 406 a. Decrease in fair value and losses form
penjualan surat berharga sale of securities
b. Penurunan Nilai Wajar dan kerugian 68 263 0 24 39 55 63 79 89 97 98 139 144 0 39 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian 1 32 5 8 9 13 15 17 21 22 22 24 26 12 14 c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 43.873 98.122 27.226 38.319 42.469 47.650 57.459 61.335 69.955 80.733 80.594 86.536 101.792 9.657 14.030 d. Losses from spot and derivative transaction
e. Penyusutan/Amortisasi 64.153 97.213 28.440 39.754 46.985 56.970 68.537 76.168 84.953 95.478 105.462 115.185 146.623 26.635 35.743 e. Depreciation/Amortizations
f. Kerugian penyertaan equity method, 3.509 3.113 503 859 1.082 1.261 1.578 1.749 1.967 2.205 2.471 2.885 3.201 288 578 f Losses from investment in shares with
komisi/provisi/fee, administrasi equity method, fees/comissions/provisions
g. Lainnya 164.669 184.517 31.279 47.734 64.290 80.875 98.579 113.774 131.369 147.665 164.013 181.462 201.984 11.535 22.916 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 143.761 133.198 22.689 36.049 47.004 56.064 68.731 82.050 93.708 107.645 121.977 131.528 136.311 13.605 25.844 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 25.225 24.080 3.959 5.817 7.801 10.208 7.856 9.071 11.115 12.334 14.299 17.345 20.712 3.195 6.773 E. Non Operational Income
F. Beban non - operasional 25.394 23.757 3.853 5.334 7.169 8.043 6.697 8.068 9.444 11.358 14.059 15.573 19.555 3.360 6.869 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) (169) 323 106 483 632 2.165 1.159 1.003 1.670 975 240 1.772 1.157 (165) (95) G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 143.591 133.521 22.795 36.532 47.636 58.229 69.890 83.053 95.378 108.620 122.217 133.300 137.467 13.440 25.749 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi 66.264 66.405 19 34 39 46 54 68 76 76 77 84 67.017 7 (1) I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 67.023 66.967 117 138 175 195 198 270 338 362 380 563 67.431 7 41 J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 112.160 104.628 17.947 28.950 37.622 46.009 54.622 64.851 74.608 85.806 95.336 104.104 106.544 10.546 20.142 K. Profit/Loss After Estimation of tax
penghasilan)
12
Tabel 1.10. Laporan Laba / Rugi Bank Umum Konvensional - BUKU 1

(Commercial Conventional Banks Income Statements - Group of Business Acitivies 1 )
2016 2017
a. Dari Bank Indonesia 482 544 70 105 130 164 174 201 195 213 231 252 273 21 41 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 753 806 94 147 211 279 313 352 334 366 400 429 452 23 43 b. From interbank placement
c. Dari surat berharga 892 711 121 181 194 272 303 355 358 404 447 498 545 45 91 c. From securities
d. Dari Kredit yang diberikan 16.038 13.026 2.173 3.250 4.040 5.012 5.541 6.479 6.411 7.181 8.030 8.858 9.724 822 1.613 d. From credit
- kepada pihak ketiga bukan bank 15.889 12.907 2.156 3.226 3.999 4.972 5.495 6.423 6.361 7.124 7.966 8.788 9.646 814 1.598 - To Third Party non Bank
- kepada bank lain 149 118 17 25 41 40 46 56 50 56 63 70 78 8 16 - To other Bank
e. Lainnya 9.321 8.292 1.426 2.188 2.916 3.748 2.803 3.303 3.204 3.635 3.884 4.172 4.500 347 671 e Others
2. Beban Bunga 18.176 15.657 2.600 3.941 4.999 6.345 5.722 6.708 6.613 7.442 8.098 8.782 9.505 754 1.456 2. Interest Expenses
a. Kepada Bank Indonesia 0 0 0 1 1 1 1 1 1 1 1 1 1 - - a. Bank Indonesia Liabilites
b. Kewajiban pada Bank lain 376 237 44 63 88 104 120 139 150 167 186 204 230 29 45 b. Interbank Liabilities
c. Kepada pihak ketiga bukan Bank 8.125 6.859 1.090 1.626 1.931 2.460 2.719 3.176 3.168 3.542 3.920 4.283 4.640 363 716 c. Third Party non Bank
- Tabungan 472 495 92 137 139 176 191 224 199 223 248 273 299 26 49 - Saving
- Simpanan Berjangka 7.035 5.723 908 1.346 1.608 2.035 2.267 2.642 2.641 2.953 3.266 3.568 3.873 310 612 - Time deposits
d. Surat Berharga 202 210 35 54 54 68 80 93 107 120 134 147 160 11 23 d. Securities
e. Pinjaman yang diterima 47 32 3 7 9 10 12 13 11 12 13 13 15 4 5 e. Loans received
f. Lainnya 9.425 8.320 1.428 2.190 2.916 3.702 2.790 3.286 3.175 3.597 3.844 4.133 4.459 346 667 f. Others
g. Koreksi atas pendapatan bunga 0 0 0 0 0 0 0 0 0 3 0 0 0 0 0 g. Corrections
B. Pendapatan Bunga Bersih (A1-A2) 9.309 7.722 1.284 1.930 2.492 3.129 3.412 3.982 3.889 4.357 4.894 5.427 5.989 503 1.004 B. Net Interest Income (A1-A2)
C. Pendapatan dan Beban Operasional Lain - - - - - C. Other Operating Income and Expenses
1. Pendapatan Operasional Selain Bunga 1.465 1.452 214 341 466 576 691 798 848 911 1.031 1.174 1.285 120 261 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan 62 216 38 59 73 83 99 123 139 162 176 212 230 16 29 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan 4 - - - - - - - - - - - - - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - c. Increase in fair value and gain
d. Keuntungan Transaksi Spot dan Derivatif 24 25 13 27 1 1 0 0 1 1 1 1 2 0 1 d. Gain from spot and derivative transaction
e. Deviden, keuntungan penyertaan equity 555 410 65 96 130 166 184 210 188 209 232 257 281 19 46 e. Deviden, gain from investment in shares
f. Lainnya 820 801 98 160 262 326 407 464 520 539 622 704 772 84 185 f Others
2. Beban Operasional Selain Beban Bunga 7.873 6.955 1.038 1.603 2.059 2.640 3.156 3.666 3.674 4.122 4.595 5.111 5.803 434 865 2. Non Interest Expense
a. Penurunan Nilai Wajar dan kerugian 13 294 24 36 42 57 63 72 90 110 134 189 205 13 23 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian 3 - - 0 - - - - - - - - - - 0 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 12 21 5 11 0 0 0 0 0 0 0 0 0 0 0 d. Losses from spot and derivative transaction
e. Penyusutan/Amortisasi 1.405 1.211 186 307 419 538 677 760 752 798 903 995 1.081 124 229 e. Depreciation/Amortizations
f. Kerugian penyertaan equity method, 39 26 4 5 5 6 7 7 8 9 10 11 13 1 2 f Losses from investment in shares with
g. Lainnya 6.401 5.402 818 1.246 1.593 2.039 2.409 2.827 2.823 3.205 3.548 3.916 4.504 296 375 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 2.901 2.219 461 669 899 1.065 947 1.114 1.063 1.146 1.330 1.490 1.471 190 400 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 734 783 72 109 153 187 235 273 306 353 2.099 3.900 5.766 2.022 4.377 E. Non Operational Income
F. Beban non - operasional 727 857 87 122 151 182 245 287 322 371 2.121 3.927 5.799 2.020 4.374 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 8 (74) (15) (13) 2 4 (10) (14) (16) (18) (23) (27) (33) 2 2 G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 2.908 2.145 446 656 901 1.069 937 1.099 1.047 1.127 1.308 1.463 1.438 191 402 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi 115 24 - - - - - - - - - - 23 - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 445 142 - - - - - - - - - - 170 - - J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 2.014 1.570 350 496 691 806 647 773 736 777 927 1.048 861 153 318 K. Profit/Loss After Estimation of tax
penghasilan)
13

(Commercial Conventional Banks Income Statements - Group of Business Acitivies 2)
2016 2017
a. Dari Bank Indonesia 1.734 1.412 235 301 504 511 626 743 878 928 1.017 1.074 1.188 143 248 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 3.257 3.063 378 554 753 957 1.162 1.322 1.551 1.556 1.708 1.851 1.965 128 253 b. From interbank placement
c. Dari surat berharga 5.950 5.174 835 1.272 1.851 2.434 2.989 3.500 4.111 4.631 5.164 5.801 5.893 482 941 c. From securities
b. Kewajiban pada Bank lain 1.416 1.559 343 397 478 569 674 783 907 963 1.084 1.170 1.282 175 301 b. Interbank Liabilities
- Giro 3.501 2.909 394 602 885 1.164 1.467 1.724 1.998 2.192 2.427 2.659 2.792 200 400 - Demand Deposit
- Tabungan 2.602 2.603 437 661 920 1.146 1.391 1.627 1.926 2.065 2.286 2.508 2.556 229 437 - Saving
C. Pendapatan dan Beban Operasional Lain - C. Other Operating Income and Expenses
a. Peningkatan Nilai Wajar dan keuntungan 2.217 1.474 394 398 473 523 715 912 1.160 1.249 1.282 1.355 1.483 100 175 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan 235 49 - - - - - - - - 390 390 390 - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan - 0 0 - - - - - 5 5 5 5 5 - - c. Increase in fair value and gain
e. Deviden, keuntungan penyertaan equity 6.877 3.234 421 590 818 1.055 1.373 1.595 1.951 2.260 2.514 2.746 3.116 210 417 e. Deviden, gain from investment in shares
f. Lainnya 4.551 3.044 594 1.014 1.266 1.457 1.879 2.085 2.465 2.617 2.857 3.144 3.176 314 844 f Others
a. Penurunan Nilai Wajar dan kerugian 807 1.087 139 83 122 146 155 211 451 479 669 1.008 1.016 36 55 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian 65 263 20 24 34 50 58 74 84 92 92 134 139 0 1 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian 0 - - - - - - - - - - - - - - c. Decrease in fair value and losses
e. Penyusutan/Amortisasi 7.928 7.817 1.811 2.177 3.060 3.771 4.466 5.114 6.214 7.020 7.953 8.775 9.702 983 1.671 e. Depreciation/Amortizations
f. Kerugian penyertaan equity method, 1.097 495 68 61 70 86 103 123 135 149 178 197 207 20 34 f Losses from investment in shares with
E. Pendapatan non - operasional 2.306 2.676 459 607 800 932 1.297 1.506 1.646 1.854 2.007 2.029 2.371 188 356 E. Non Operational Income
F. Beban non - operasional 1.602 2.679 451 596 820 857 1.185 1.445 1.531 1.788 1.926 1.852 2.297 253 379 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 704 (3) 7 11 (20) 75 112 61 115 66 81 177 74 (65) (23) G. Non Operational Profit (E - F)
I. Penerimaan Transfer Laba/Rugi 3.670 4.150 22 32 41 51 59 66 66 64 63 62 4.256 (3) (7) I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 4.087 4.140 120 136 177 200 203 267 328 350 366 541 4.522 (3) 35 J. Transfer of Profit/Loss to Head Office
penghasilan)
14

2016 2017
a. Dari Bank Indonesia 2.063 2.455 386 643 801 962 1.133 1.331 1.493 1.664 1.825 2.010 2.265 272 447 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 905 2.154 370 513 702 903 1.047 1.220 1.366 1.575 1.808 2.053 2.188 207 350 b. From interbank placement
- kepada bank lain 738 918 186 279 367 458 546 640 731 815 903 988 1.074 90 118 - To other Bank
b. Kewajiban pada Bank lain 1.488 2.821 494 820 1.083 1.350 1.629 1.869 2.081 2.327 2.544 2.744 2.979 210 362 b. Interbank Liabilities
- Giro 4.061 5.681 916 1.409 1.902 2.406 2.911 3.379 3.854 4.351 4.848 5.378 6.019 573 919 - Demand Deposit
- Tabungan 10.354 8.901 1.541 2.316 3.053 3.819 4.560 5.322 6.109 6.865 7.608 8.285 9.226 763 1.295 - Saving
d. Surat Berharga 4.794 5.487 910 1.341 1.767 2.203 2.649 3.113 3.594 4.083 4.568 5.067 5.575 499 939 d. Securities
e. Pinjaman yang diterima 1.769 2.255 404 644 837 1.045 1.261 1.460 1.654 1.854 2.046 2.238 2.437 208 341 e. Loans received
a. Peningkatan Nilai Wajar dan keuntungan 1.700 2.523 758 1.670 2.271 2.480 2.958 3.842 4.187 4.725 4.742 4.519 4.583 501 863 a. Increase in fair value and gain
penjualan surat berharga - form sale of securities
b. Peningkatan Nilai Wajar dan keuntungan - 0 - - - - - - - - - - - - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan 55 0 101 149 125 62 94 127 153 153 174 23 23 55 101 c. Increase in fair value and gain
a. Penurunan Nilai Wajar dan kerugian 337 1.139 318 370 487 502 499 665 773 803 949 1.142 1.011 140 247 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian - - 0 0 0 0 0 0 0 0 0 0 0 0 0 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian 1 32 5 8 9 13 15 17 20 22 22 24 26 2 3 c. Decrease in fair value and losses
f. Kerugian penyertaan equity method, 1.619 1.779 278 544 649 794 1.000 1.111 1.281 1.442 1.618 1.963 2.188 205 353 f Losses from investment in shares with
E. Pendapatan non - operasional 18.505 16.643 2.875 4.356 5.927 7.493 5.006 5.885 6.764 7.588 8.507 9.483 10.435 942 1.910 E. Non Operational Income
F. Beban non - operasional 18.367 16.839 2.773 4.043 5.448 6.884 4.330 5.111 5.886 6.653 7.387 8.219 9.610 874 1.806 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 138 (196) 102 313 479 609 677 774 878 935 1.120 1.264 824 67 103 G. Non Operational Profit (E - F)
I. Penerimaan Transfer Laba/Rugi 5.575 7.912 (3) 2 (2) (5) (5) 3 11 12 14 22 7.843 9 6 I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 5.587 8.344 (3) 2 (2) (5) (5) 3 11 12 14 22 7.843 9 6 J. Transfer of Profit/Loss to Head Office
penghasilan)
15

2016 2017
a. Dari Bank Indonesia 2.868 2.308 281 404 499 569 683 786 867 964 1.093 1.258 1.476 233 392 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 1.890 1.940 388 579 745 892 1.045 1.208 1.330 1.468 1.615 1.771 1.996 217 395 b. From interbank placement
b. Kewajiban pada Bank lain 985 1.592 278 444 616 784 984 1.163 1.306 1.627 1.735 1.912 2.106 219 445 b. Interbank Liabilities
- Giro 5.007 5.274 967 1.447 1.896 2.372 2.886 3.392 3.914 4.434 4.978 5.541 6.198 747 1.541 - Demand Deposit
- Tabungan 9.831 9.461 1.789 2.594 3.316 4.079 4.839 5.635 6.610 7.409 8.238 9.069 9.920 877 1.908 - Saving
d. Surat Berharga 772 1.094 156 223 399 364 465 557 637 726 911 1.041 1.217 198 334 d. Securities
e. Pinjaman yang diterima 1.112 1.378 487 684 948 1.325 1.848 1.779 2.035 2.299 2.647 2.885 3.201 792 689 e. Loans received
g. Koreksi atas pendapatan bunga 937 1.539 2.720 2.633 2.572 2.439 2.151 2.076 1.922 1.968 1.990 1.994 1.894 3.247 3.106 g. Corrections
C. Pendapatan dan Beban Operasional Lain - C. Other Operating Income and Expenses
a. Peningkatan Nilai Wajar dan keuntungan 2.320 1.321 194 424 651 718 945 1.231 1.505 1.821 2.204 2.401 2.504 199 471 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - 2 5 8 11 14 14 c. Increase in fair value and gain
a. Penurunan Nilai Wajar dan kerugian 1.421 333 78 24 22 30 30 55 90 142 173 241 236 17 81 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian - - - - 5 5 5 5 5 5 5 5 5 - 38 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian - - - - - - - - 1 - - - - 11 11 c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 5.243 7.527 2.098 3.087 3.916 6.962 6.425 6.790 7.537 8.285 8.835 11.336 21.469 945 1.418 d. Losses from spot and derivative transaction
E. Pendapatan non - operasional 3.627 3.874 543 726 900 1.546 1.245 1.339 2.329 2.466 1.603 1.848 1.969 35 117 E. Non Operational Income
F. Beban non - operasional 377 265 518 540 712 78 887 1.161 1.636 2.471 2.551 1.500 1.759 207 296 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 3.250 3.610 25 186 187 1.468 358 178 693 (5) (948) 347 210 (171) (179) G. Non Operational Profit (E - F)
I. Penerimaan Transfer Laba/Rugi 56.571 53.558 - - - - - - - - - - 53.586 - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 56.571 53.558 - - - - - - - - - - 53.586 - - J. Transfer of Profit/Loss to Head Office
penghasilan)
16
Tabel 1.14. Laporan Laba / Rugi Bank Umum Syariah - BUKU 1

(Commercial Sharia Banks Income Statements - Group of Business Acitivies 1 )
2016 2017
1. Pendapatan bunga 5.485 3.771 499 752 984 1.217 1.455 1.731 1.964 2.208 2.456 2.703 2.062 189 363 1. Interest Income
d. Dari Kredit yang diberikan 3.578 2.343 329 497 642 785 933 1.118 1.257 1.412 1.574 1.735 1.289 114 217 d. From credit
- kepada pihak ketiga bukan bank 3.567 2.330 327 494 638 781 928 1.112 1.251 1.406 1.567 1.727 1.281 113 216 - To Third Party non Bank
e. Lainnya 1.642 1.238 144 214 287 360 435 511 588 662 733 806 644 60 119 e Others
2. Beban Bunga 3.612 2.647 338 507 676 847 1.017 1.189 1.364 1.524 1.692 1.854 1.498 136 266 2. Interest Expenses
a. Kepada Bank Indonesia 1 - - - - - - - - - - - - - - a. Bank Indonesia Liabilites
c. Kepada pihak ketiga bukan Bank 1.810 1.326 181 274 366 458 547 638 731 812 901 986 798 71 138 c. Third Party non Bank
- Tabungan 50 37 6 9 12 15 17 20 24 27 30 33 31 3 5 - Saving
- Simpanan Berjangka 1.533 1.188 159 242 324 409 491 575 660 734 815 892 751 67 130 - Time deposits
f. Lainnya 1.648 1.245 144 213 286 359 433 509 586 660 733 806 646 58 119 f. Others
g. Koreksi atas pendapatan bunga - - - - - - - - - - - - - - - g. Corrections
B. Pendapatan Bunga Bersih (A1-A2) 1.873 1.123 161 245 308 371 438 542 601 684 765 849 564 53 97 B. Net Interest Income (A1-A2)
-
1. Pendapatan Operasional Selain Bunga 656 922 207 286 363 446 966 998 1.165 1.336 1.368 1.706 1.374 24 74 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan - 0 - - - - - - - - - - - 0 - a. Increase in fair value and gain
d. Keuntungan Transaksi Spot dan Derivatif 29 0 0 0 0 0 0 0 0 0 0 0 - - - d. Gain from spot and derivative transaction
e. Deviden, keuntungan penyertaan equity 113 80 10 16 21 27 33 37 43 48 52 57 54 3 8 e. Deviden, gain from investment in shares
f. Lainnya 514 842 197 270 342 419 933 961 1.123 1.288 1.315 1.649 1.320 21 66 f Others
2. Beban Operasional Selain Beban Bunga 2.201 1.964 302 439 604 1.289 1.399 1.677 2.132 2.226 2.608 2.710 2.446 71 160 2. Non Interest Expense
a. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - b. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 24 0 0 0 - - - - - - - - - - - d. Losses from spot and derivative transaction
e. Penyusutan/Amortisasi 637 973 175 247 338 955 998 1.212 1.599 1.621 1.936 1.967 1.930 30 74 e. Depreciation/Amortizations
f. Kerugian penyertaan equity method, 0 - - - - - - - - - - - - - - f Losses from investment in shares with
g. Lainnya 1.540 991 127 192 267 334 401 465 533 605 672 743 516 41 48 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 328 81 67 91 67 (473) 6 (137) (366) (207) (476) (155) (508) 6 D.
11 Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 17 11 3 3 5 7 8 9 11 11 13 14 11 0 E.
0 Non Operational Income
F. Beban non - operasional 13 6 1 1 2 2 2 3 3 4 5 6 6 0 F.
1 Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 4 5 2 2 3 5 6 6 8 7 8 8 6 (0) G.
(0) Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 332 86 69 93 70 (468) 11 (130) (359) (200) (468) (147) (502) 6 11
H. Current Year profit
I. Penerimaan Transfer Laba/Rugi 333 - - - - - - - - - - - - - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 333 - - - - - - - - - - - - - - J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 265 78 67 91 67 (472) 6 (136) (365) (207) (476) (156) (512) 5 9 K. Profit/Loss After Estimation of tax
penghasilan)
17

(Commercial Sharia Banks Income Statements - Group of Business Acitivies 2)
2016 2017
e. Lainnya 5.516 9.169 1.465 2.299 2.993 3.781 4.507 4.985 5.559 6.093 6.625 7.071 8.234 665 1.324 e Others
a. Kepada Bank Indonesia - - - - - - 0 1 1 1 1 1 1 - - a. Bank Indonesia Liabilites
c. Kepada pihak ketiga bukan Bank 6.986 4.936 839 1.236 1.595 1.969 2.328 2.697 3.074 3.479 3.905 4.316 5.026 469 909 c. Third Party non Bank
- Tabungan 1.008 413 54 79 99 120 140 161 182 210 239 267 306 35 69 - Saving
- Simpanan Berjangka 5.776 4.364 762 1.122 1.446 1.781 2.108 2.445 2.789 3.152 3.533 3.902 4.512 420 812 - Time deposits
f. Lainnya 1.359 9.333 1.490 2.297 3.059 3.854 4.588 5.051 5.655 5.727 6.749 7.207 8.382 678 1.350 f. Others
g. Koreksi atas pendapatan bunga - - - 13 - - - 0 - - - 0 - - - g. Corrections
B. Pendapatan Bunga Bersih (A1-A2) 11.358 6.784 1.203 1.843 2.391 3.078 3.699 4.312 4.876 5.605 6.314 7.053 8.242 800 1.532 B. Net Interest Income (A1-A2)
1. Pendapatan Operasional Selain Bunga 6.401 1.363 329 449 581 1.052 1.089 1.219 1.318 1.722 3.221 3.441 2.912 333 639 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan a. Increase in fair value and gain
penjualan surat berharga 8 0 1 2 3 3 4 13 14 15 17 18 19 1 2 form sale of securities
b. Peningkatan Nilai Wajar dan keuntungan b. Increase in fair value and gain
penjualan kredit yang diberikan - - - - - - - - - - - - - - - form sale of credit
c. Peningkatan Nilai Wajar dan keuntungan c. Increase in fair value and gain
penjualan aset keuangan lainnya - - - - - - - - - - - - - - - form sale of other financial assets
d. Keuntungan Transaksi Spot dan Derivatif 21 19 3 3 5 7 8 11 13 14 19 47 57 5 10 d. Gain from spot and derivative transaction
e. Deviden, keuntungan penyertaan equity 1.527 508 76 125 163 203 267 301 343 394 446 490 581 46 103 e. Deviden, gain from investment in shares
method, komisi/provisi/fee with equity
method,fees/comissions/provisions
f. Lainnya 4.846 836 248 319 409 839 809 895 947 1.299 2.740 2.887 2.256 280 523 f Others
2. Beban Operasional Selain Beban Bunga 12.996 7.603 1.357 2.006 2.594 3.701 4.260 4.881 5.436 6.470 8.571 9.355 9.737 970 1.845 2. Non Interest Expense
a. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - 5 - - a. Decrease in fair value and losses form
d. Kerugian Transaksi Spot dan Derivatif 0 16 1 1 2 5 7 8 9 10 14 19 22 4 19 d. Losses from spot and derivative transaction
e. Penyusutan/Amortisasi 6.595 2.253 409 554 697 1.303 1.092 1.294 1.521 1.975 3.534 3.813 3.228 412 811 e. Depreciation/Amortizations
g. Lainnya 6.401 5.303 945 1.448 1.891 2.388 3.156 3.572 3.897 4.474 5.006 5.504 6.462 552 559 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 4.763 544 175 287 377 429 528 651 758 858 964 1.140 1.417 162 326 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 35 74 6 8 9 35 57 53 55 58 67 68 153 9 13 E. Non Operational Income
F. Beban non - operasional 4.307 74 18 26 34 36 43 57 62 70 64 65 79 6 11 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) (4.272) (0) (11) (18) (24) (1) 14 (4) (7) (12) 3 4 74 3 2 G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 491 543 163 269 353 429 541 647 751 846 967 1.143 1.490 165 328 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi - 762 - - - - - - - - - - 1.310 - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat - 783 - - - - - - - - - - 1.310 - - J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 437 306 130 200 266 321 388 472 555 608 705 843 1.139 131 260 K. Profit/Loss After Estimation of tax
penghasilan)
18

(Commercial Sharia Banks Income Statements - Group of Business Acitivies 3)
2016 2017
1. Pendapatan bunga - 9.163 1.183 1.749 2.352 2.947 3.513 4.123 4.697 5.337 5.907 6.555 7.214 694 1.284 1. Interest Income
a. Dari Bank Indonesia - 436 42 66 87 111 130 155 188 217 249 285 326 41 78 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain - 1 0 0 0 0 0 0 0 0 0 0 0 0 0 b. From interbank placement
c. Dari surat berharga - 285 82 127 170 212 248 285 321 357 394 431 467 39 80 c. From securities
d. Dari Kredit yang diberikan - 5.362 956 1.402 1.892 2.379 2.850 3.354 3.812 4.338 4.787 5.308 5.837 528 1.026 d. From credit
- kepada pihak ketiga bukan bank - 5.345 953 1.398 1.886 2.371 2.841 3.343 3.799 4.323 4.770 5.289 5.816 526 1.022 - To Third Party non Bank
- kepada bank lain - 17 3 5 6 8 9 11 13 15 17 19 21 2 4 - To other Bank
e. Lainnya - 3.079 103 154 203 246 286 328 376 426 478 530 585 85 100 e Others
2. Beban Bunga - 2.554 529 797 1.067 1.314 1.554 1.816 2.084 2.329 2.557 2.812 3.095 337 548 2. Interest Expenses
a. Kepada Bank Indonesia - - - - - - - - - - - - - - - a. Bank Indonesia Liabilites
b. Kewajiban pada Bank lain - 8 2 2 3 4 4 5 6 7 8 11 12 1 2 b. Interbank Liabilities
c. Kepada pihak ketiga bukan Bank - 2.489 421 638 810 1.003 1.175 1.375 1.569 1.758 1.962 2.167 2.387 221 414 c. Third Party non Bank
- Giro - 92 19 26 34 42 51 61 70 79 88 104 118 14 27 - Demand Deposit
- Tabungan - 500 80 130 133 166 198 231 264 297 332 365 405 36 69 - Saving
- Simpanan Berjangka - 1.897 322 482 644 794 926 1.083 1.235 1.382 1.542 1.698 1.865 171 318 - Time deposits
d. Surat Berharga - 53 11 15 19 23 30 30 33 37 40 45 45 4 7 d. Securities
e. Pinjaman yang diterima - 1 - - - - - - - - - - - - - e. Loans received
f. Lainnya - 4 95 141 186 224 260 301 346 391 435 482 531 81 95 f. Others
g. Koreksi atas pendapatan bunga - - - - 50 61 85 106 130 136 112 107 119 31 30 g. Corrections
B. Pendapatan Bunga Bersih (A1-A2) - 6.608 654 953 1.284 1.633 1.960 2.307 2.613 3.008 3.350 3.743 4.120 357 735 B. Net Interest Income (A1-A2)
1. Pendapatan Operasional Selain Bunga - 5.588 1.302 2.397 3.034 3.701 4.552 5.540 6.227 7.121 7.803 8.436 9.263 1.817 1.547 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan - 49 10 15 19 24 28 33 38 44 48 52 57 5 10 a. Increase in fair value and gain
d. Keuntungan Transaksi Spot dan Derivatif - 20 3 4 6 7 9 10 13 15 16 18 20 2 4 d. Gain from spot and derivative transaction
e. Deviden, keuntungan penyertaan equity - 711 95 142 202 250 307 345 397 446 503 545 611 49 90 e. Deviden, gain from investment in shares
method, komisi/provisi/fee with equity
method,fees/comissions/provisions
f. Lainnya - 4.808 1.194 2.235 2.807 3.419 4.208 5.152 5.778 6.616 7.236 7.821 8.575 1.761 1.443 f Others
2. Beban Operasional Selain Beban Bunga - 8.829 1.898 3.250 4.179 5.156 6.292 7.587 8.541 9.806 10.797 11.795 12.955 2.135 2.205 2. Non Interest Expense
a. Penurunan Nilai Wajar dan kerugian - 0 - - - - 0 0 1 2 2 1 1 0 0 a. Decrease in fair value and losses form
d. Kerugian Transaksi Spot dan Derivatif - 1 0 0 0 0 0 0 0 0 0 0 0 0 0 d. Losses from spot and derivative transaction
e. Penyusutan/Amortisasi - 6.031 1.378 2.519 3.188 3.920 4.745 5.814 6.520 7.506 8.185 8.965 9.904 1.875 1.678 e. Depreciation/Amortizations
f. Kerugian penyertaan equity method, - 0 0 0 0 0 1 1 1 1 1 1 11 1 2 f Losses from investment in shares with
g. Lainnya - 2.797 520 731 991 1.236 1.546 1.772 2.019 2.297 2.609 2.827 3.039 260 321 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) - 3.368 58 99 139 178 219 259 298 323 356 384 429 39 77 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional - 19 1 6 7 7 7 7 3 3 4 4 7 0 0 E. Non Operational Income
F. Beban non - operasional - 3.038 5 4 2 3 5 4 4 1 4 5 5 1 1 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) - (3.019) (4) 2 4 4 3 3 (2) 3 (1) (1) 3 (1) (1) G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak - 348 53 101 143 182 222 263 297 326 355 383 431 38 76 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi - - - - - - - - - - - - - - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat - - - - - - - - - - - - - - - J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak - 250 40 77 108 137 168 198 224 246 269 289 325 29 57 K. Profit/Loss After Estimation of tax
penghasilan)
19
Tabel 1.17. Rekening Administratif Bank Umum

(Commercial Banks Off-Balance Sheet)
2016 2017
Indikator 2014 2015 Indicator
Tagihan Komitmen 472.959 511.743 488.685 570.287 568.022 581.239 592.871 592.871 582.509 577.514 608.162 702.093 628.115 659.830 650.985 Commited Claims
- Fasilitas pinjaman yang belum ditarik 24.710 38.641 20.634 22.157 20.243 19.044 17.231 18.915 21.604 18.746 21.205 18.109 20.586 21.143 20.003 - Unused borrowing
- Posisi pembelian spot dan derivatif yang 440.874 468.916 462.482 541.420 541.591 552.611 564.506 551.171 551.502 547.413 575.977 672.783 597.813 625.990 623.228 - Outstanding spot and derivatives
masih berjalan (purchased)
- Lainnya (Others) 7.376 4.185 5.569 6.711 6.188 9.583 11.134 8.730 9.403 11.355 10.980 11.201 9.715 12.697 7.754 - Others
Kewajiban Komitmen 1.678.723 1.821.506 1.831.055 1.874.255 1.876.535 1.919.003 1.871.902 1.871.902 1.925.004 1.929.448 1.986.711 2.092.951 1.983.571 2.098.903 2.052.430 Commited Liabilities
- Fasilitas kredit kepada nasabah yang 1.137.501 1.219.520 1.245.534 1.236.144 1.242.369 1.258.171 1.222.208 1.245.786 1.265.878 1.277.526 1.310.319 1.323.554 1.304.240 1.392.096 1.354.004 - Undisbursed loan facilities
belum ditarik to debtors
Committed 297.369 275.413 292.622 292.911 294.974 296.882 283.527 296.272 298.963 298.811 309.958 312.749 298.509 316.492 324.558 - Committed
Uncommitted 840.132 944.107 952.912 943.233 947.394 961.289 938.681 949.514 966.915 978.715 1.000.361 1.010.805 1.005.731 1.075.603 1.029.446 - Uncommitted
- Fasilitas kredit kepada bank lain yang 7.868 7.534 11.665 13.242 13.939 13.459 11.904 11.077 12.586 13.125 14.294 15.219 12.370 13.804 13.268 - Undisbursed loan facilities
belum ditarik to other banks
Uncommitted 6.335 6.469 9.586 10.331 11.558 11.030 10.301 9.543 10.562 11.186 12.083 13.321 10.789 11.032 11.418 - Uncommitted
- Irrevocable L/C yang masih berjalan 74.274 69.516 57.049 62.178 59.755 60.237 61.763 64.200 64.928 66.500 65.829 70.810 66.353 65.111 64.502 - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang 454.203 520.465 509.997 553.195 552.956 578.322 567.180 561.520 559.136 564.116 589.985 676.488 594.212 619.090 610.479 - Outstanding spot and
masih berjalan derivatives (sold)
- Lainnya 4.877 4.471 6.809 9.496 7.516 8.814 8.846 8.104 22.476 8.181 6.284 6.880 6.397 8.802 10.177 - Others
Tagihan Kontinjensi 284.281 308.392 312.916 309.306 306.656 318.593 306.017 306.017 326.696 322.787 317.877 329.675 334.875 327.837 304.431 Contingent Claims
- Garansi yang diterima 244.456 265.333 268.262 264.421 260.791 271.155 258.698 257.310 277.535 275.457 270.174 281.470 288.776 280.526 256.692 - Received guarantees
- Pendapatan bunga dalam penyelesaian 36.327 39.402 40.768 40.952 41.932 43.453 43.371 44.275 45.186 43.189 43.671 44.350 42.161 43.223 43.600 - Accrued interest
- Lainnya 3.498 3.657 3.887 3.934 3.932 3.985 3.947 3.971 3.975 4.142 4.032 3.855 3.938 4.089 4.139 - Others
Kewajiban Kontijensi 249.737 302.459 269.727 268.900 265.700 276.106 275.130 275.130 282.222 283.239 287.847 295.981 304.665 286.218 284.710 Contingent Liabilities
- Garansi yang diberikan 247.851 297.391 267.702 267.016 263.817 274.241 272.987 269.755 280.469 281.422 285.671 294.002 302.542 284.394 282.278 - Issued guarantees
- Lainnya 1.886 5.069 2.024 1.883 1.883 1.865 2.143 1.860 1.754 1.817 2.176 1.978 2.124 1.824 2.431 - Others
Lainnya 237.956 274.066 270.823 275.533 272.472 277.747 282.157 282.157 289.087 293.803 294.302 300.510 309.064 312.057 313.033 Others
- Penerusan Kredit 23.301 23.059 23.260 20.975 14.488 14.074 13.673 13.622 13.676 12.693 9.549 9.466 9.441 9.418 9.392 - Channelling
- Aset produktif yang dihapusbukukan 195.932 230.274 224.758 232.201 234.449 239.632 244.246 247.062 252.119 257.662 260.981 267.107 274.724 277.659 278.343 - Written off earning assets
Kredit yang diberikan 187.325 219.484 214.088 220.820 223.131 228.152 232.970 235.302 240.730 246.197 249.515 255.452 262.748 265.464 266.184 - Credit disbursed
Lainnya 8.607 10.790 10.670 11.381 11.318 11.480 11.276 11.759 11.389 11.465 11.467 11.655 11.976 12.195 12.160 - Others
- Aset produktif yang dihapustagih 18.723 20.733 22.804 22.358 23.535 24.041 24.238 24.323 23.292 23.448 23.771 23.937 24.900 24.980 25.297 - Charged off earning assets
Lainnya 6.840 6.433 7.391 7.339 7.387 7.325 7.336 7.336 7.370 7.360 7.325 7.329 7.343 7.337 7.332 - Others
20
Tabel 1.18. Rekening Administratif Bank Umum Konvensional - BUKU 1

(Commercial Conventional Banks Off-Balance Sheet - Group of Business Acitivies 1 )
Miliar Rp (Billion Rp )
2016 2017
Tagihan Komitmen 831 215 392 225 32 26 27 32 22 28 31 25 11 26 19 Commited Claims
- Fasilitas pinjaman yang belum ditarik - 1 - - 8 8 8 8 8 8 8 8 8 8 8 - Unused borrowing
- Posisi pembelian spot dan derivatif yang 620 209 365 199 - 1 - - - - - - - - - - Outstanding spot and derivatives
- Lainnya (Others) 211 5 27 26 24 17 20 25 15 20 23 18 4 19 11 - Others
Kewajiban Komitmen 495 7.277 7.402 5.932 5.139 5.859 4.700 4.950 3.767 3.660 3.752 3.834 3.649 3.678 3.755 Commited Liabilities
- Fasilitas kredit kepada nasabah yang 10.416 6.756 6.730 5.478 4.869 5.561 4.464 4.700 3.584 3.462 3.528 3.623 3.467 3.483 3.533 - Undisbursed loan facilities
Committed 5.485 2.632 2.496 1.500 1.637 2.372 1.469 1.513 697 697 743 717 760 898 925 - Committed
- Fasilitas kredit kepada bank lain yang 164 230 210 171 171 213 182 208 122 99 121 160 144 149 185 - Undisbursed loan facilities
Committed 77 166 161 129 119 123 115 120 40 33 48 39 38 42 49 - Committed
Uncommitted 87 64 49 42 52 90 67 88 82 66 74 121 106 107 136 - Uncommitted
- Irrevocable L/C yang masih berjalan 298 23 11 4 0 1 1 1 - - 9 5 - - - - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang 819 207 374 200 - - - - - - - - - - - - Outstanding spot and
- Lainnya 33 61 77 79 99 85 53 41 61 100 94 46 38 47 37 - Others
Tagihan Kontinjensi 1.216 948 1.038 1.076 1.109 1.158 1.057 1.104 1.109 1.126 1.118 1.121 1.094 1.108 1.156 Contingent Claims
- Garansi yang diterima 437 1 0 0 0 1 - - - - - - - - - - Received guarantees
- Pendapatan bunga dalam penyelesaian 545 475 518 522 542 578 557 581 591 606 628 644 658 676 695 - Accrued interest
- Lainnya 235 471 520 554 566 579 500 523 518 520 490 477 436 431 461 - Others
- Lainnya 668 235 208 175 173 196 167 159 140 155 139 105 91 81 108 - Others
Lainnya 2.017 1.909 2.102 2.120 2.107 2.164 2.035 2.126 2.001 1.997 2.002 1.996 2.107 2.028 2.006 Others
- Penerusan Kredit 402 343 567 503 490 500 529 553 529 511 502 489 479 459 439 - Channelling
Lainnya 3 77 69 87 83 79 46 44 35 34 34 29 26 23 23 - Others
- Aset produktif yang dihapustagih 64 20 20 14 15 16 14 16 8 8 8 8 16 8 0 - Charged off earning assets
Kredit yang diberikan 64 20 20 14 15 16 14 16 8 8 8 8 16 8 0 - Credit disbursed
Lainnya 0 - 0 - - - - - - - - - - - - - Others
Ket: r) Angka-angka diperbaiki Note: r) Revised figures
21

(Commercial Conventional Off-Balance Sheet - Group of Business Acitivies 2 )
2016 2017
- Lainnya (Others) 3.070 212 507 497 542 4.048 3.507 3.698 3.918 6.041 6.612 6.128 5.415 6.296 2.100 - Others
Kewajiban Komitmen 9.407 194.388 193.780 130.795 131.884 146.050 129.229 132.555 150.992 140.632 150.860 159.919 137.805 187.285 143.719 Commited Liabilities
- Fasilitas kredit kepada bank lain yang 1.949 154 160 186 184 211 169 187 263 499 719 1.271 220 232 223 - Undisbursed loan facilities
Uncommitted 1.867 99 107 105 101 100 95 106 100 348 566 1.083 120 117 106 - Uncommitted
- Lainnya 405 236 979 1.197 1.326 2.137 721 1.720 15.761 1.567 844 1.010 1.383 2.354 1.867 - Others
- Lainnya 47 48 56 67 50 87 176 184 178 179 183 197 202 345 354 - Others
- Lainnya 415 529 577 628 575 504 648 556 523 527 757 760 798 622 1.032 - Others
Lainnya 20.686 14.315 14.601 14.697 15.367 16.472 16.736 16.551 16.331 16.084 16.285 16.520 17.595 17.640 17.789 Others
Lainnya 2.586 3.654 3.552 3.548 3.530 3.649 3.536 3.508 3.552 3.498 3.497 3.646 3.645 3.648 3.644 - Others
- Aset produktif yang dihapustagih 960 446 1.045 458 1.426 1.746 1.816 1.740 572 622 656 580 512 471 633 - Charged off earning assets
Kredit yang diberikan 950 337 868 339 1.261 1.641 1.701 1.625 424 483 553 473 404 369 535 - Credit disbursed
Lainnya 9 109 177 118 165 105 115 115 149 139 104 108 108 102 97 - Others
22

(Commercial Conventional Off-Balance Sheet - Group of Business Acitivies 3 )
2016 2017
- Lainnya (Others) 3.355 3.603 4.592 5.977 5.411 5.158 7.128 4.644 5.068 4.811 4.121 4.695 3.829 6.025 4.770 - Others
Kewajiban Komitmen 180.714 1.115.813 1.113.686 1.192.209 1.190.378 1.216.706 1.183.879 939.201 1.195.349 1.192.918 1.213.994 1.314.327 1.252.443 1.251.910 1.158.729 Commited Liabilities
- Fasilitas kredit kepada bank lain yang 4.501 6.372 9.424 10.475 11.729 10.885 10.473 9.552 10.737 10.925 11.603 11.876 10.260 10.571 9.438 - Undisbursed loan facilities
- Lainnya 2.652 2.876 4.470 6.327 4.837 4.850 6.832 5.115 5.427 5.325 4.288 4.663 3.782 5.157 6.203 - Others
- Lainnya 3.094 2.977 3.147 3.147 3.151 3.153 3.106 3.094 3.101 3.127 3.186 3.008 3.117 3.136 3.147 - Others
- Lainnya 414 3.871 801 640 691 717 876 688 629 668 807 634 739 623 790 - Others
Lainnya 70.018 95.544 97.996 100.503 102.202 104.315 106.151 107.791 109.368 112.848 114.939 116.434 122.144 123.149 115.239 Others
Lainnya 2.470 3.445 3.441 3.995 3.954 3.994 3.942 4.447 4.038 4.074 4.061 4.103 4.428 4.427 4.426 - Others
Lainnya 6.831 6.324 7.214 7.221 7.221 7.221 7.221 7.221 7.221 7.221 7.221 7.221 7.235 7.235 7.235 - Others
23

(Commercial Conventional Banks Off-Balance Sheet - Group of Business Acitivies 4)
2016 2017
- Fasilitas pinjaman yang belum ditarik 1.239 4.136 4.012 3.978 3.956 4.098 - - - - - - - - 934 - Unused borrowing
- Lainnya (Others) 630 332 425 211 211 360 475 358 372 472 151 343 459 352 854 - Others
- Fasilitas kredit kepada bank lain yang 951 729 1.822 2.362 1.833 2.101 1.041 1.101 1.437 1.568 1.830 1.888 1.727 2.833 3.313 - Undisbursed loan facilities
Committed 939 726 1.732 2.273 1.746 2.033 975 1.015 1.361 1.292 1.471 1.515 1.321 2.477 1.599 - Committed
Uncommitted 11 3 90 89 88 68 66 86 76 275 359 373 406 356 1.714 - Uncommitted
- Lainnya - - - - - - - - - - - - - - 830 - Others
- Lainnya 115 155 157 156 156 157 157 161 170 163 163 165 166 167 168 - Others
- Lainnya 377 433 438 440 443 447 452 455 461 466 472 478 493 495 498 - Others
Lainnya 140.277 155.179 148.710 150.532 145.042 146.936 149.122 150.370 153.044 153.292 151.508 155.836 157.387 158.871 167.406 Others
Lainnya 3.508 3.573 3.567 3.708 3.708 3.715 3.708 3.705 3.709 3.706 3.703 3.710 3.707 3.706 3.705 - Others
Lainnya - - - - - - - - - - - - - - - - Others
24
Tabel 1.22. Rekening Administratif Bank Umum Syariah - BUKU 1

(Commercial Sharia Banks Off-Balance Sheet - Group of Business Acitivies 1 )
2016 2017
Tagihan Komitmen 4 - - - - - - - - - - - - - - Commited Claims
- Fasilitas pinjaman yang belum ditarik - - - - - - - - - - - - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang 3 - - - - - - - - - - - - - - - Outstanding spot and derivatives
- Lainnya (Others) 0 - - - - - - - - - - - - - - - Others
Kewajiban Komitmen 600 1.538 926 947 1.046 1.031 1.044 1.061 1.060 1.080 1.095 1.104 1.132 1.185 1.171 Commited Liabilities
- Fasilitas kredit kepada nasabah yang 2.206 1.516 904 925 1.024 1.009 1.022 1.039 1.039 1.059 1.073 1.082 1.113 1.166 1.161 - Undisbursed loan facilities
Uncommitted 1.686 1.454 830 850 950 929 936 951 945 967 978 982 1.003 1.045 1.037 - Uncommitted
- Fasilitas kredit kepada bank lain yang 31 21 21 21 21 21 21 21 21 21 21 21 19 19 19 - Undisbursed loan facilities
Uncommitted 19 11 11 11 11 11 11 11 11 11 11 11 9 9 9 - Uncommitted
- Irrevocable L/C yang masih berjalan - - - - - - - - - - - 1 - - - - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang - - - - - - - - - - - - - - - - Outstanding spot and
- Lainnya 600 1 1 1 1 1 1 1 1 1 1 1 - - - - Others
Tagihan Kontinjensi 153 187 113 135 179 216 146 136 167 181 167 202 107 102 60 Contingent Claims
- Garansi yang diterima 17 - - - - - - - - - - - - - - - Received guarantees
- Pendapatan bunga dalam penyelesaian 135 187 113 135 179 216 146 136 167 181 166 201 100 101 60 - Accrued interest
- Lainnya 1 - 0 0 0 0 0 0 0 0 1 0 7 0 0 - Others
Kewajiban Kontijensi 123 1.485 1.040 1.089 1.113 1.219 1.403 1.570 1.563 1.575 1.623 1.595 1.607 1.480 1.313 Contingent Liabilities
- Garansi yang diberikan 113 1.485 1.040 1.089 1.113 1.219 1.403 1.570 1.563 1.575 1.623 1.595 1.607 1.480 1.313 - Issued guarantees
- Lainnya 11 0 0 - - - 0 - - - - - - - 0 - Others
Lainnya 713 524 511 507 503 498 524 522 523 523 524 518 187 188 187 Others
- Aset produktif yang dihapusbukukan 663 474 461 457 453 448 474 472 473 473 474 469 137 139 138 - Written off earning assets
Kredit yang diberikan 663 474 461 457 453 448 474 472 473 473 474 469 137 139 138 - Credit disbursed
Lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - Others
- Aset produktif yang dihapustagih - - - - - - - - - - - - - - - - Charged off earning assets
Kredit yang diberikan - - - - - - - - - - - - - - - - Credit disbursed
Lainnya - - - - - - - - - - - - - - - - Others
25

(Commercial Sharia Banks Off-Balance Sheet - Group of Business Acitivies 2)
2016 2017
Tagihan Komitmen 579 136 127 518 498 504 509 501 772 858 820 752 739 732 1.115 Commited Claims
- Fasilitas pinjaman yang belum ditarik - - - - - - - - - 3 - - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang 469 136 127 518 498 504 509 501 772 855 758 745 739 732 1.102 - Outstanding spot and derivatives
- Lainnya (Others) 110 - - - - - - - - 0 62 7 - - 13 - Others
Committed 20.797 200 217 547 551 556 475 493 442 506 664 696 646 728 709 - Committed
Uncommitted 452 1.787 2.589 2.435 2.248 2.276 1.337 1.371 1.469 1.405 1.203 1.400 1.412 1.331 1.317 - Uncommitted
- Fasilitas kredit kepada bank lain yang 272 28 28 27 0 27 18 8 6 13 0 2 - - 90 - Undisbursed loan facilities
Committed 261 - - - - - - - - - - - - - - - Committed
Uncommitted 11 28 28 27 0 27 18 8 6 13 0 2 - - 90 - Uncommitted
- Irrevocable L/C yang masih berjalan 785 324 189 311 338 306 235 173 283 192 143 170 297 226 193 - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang 569 132 154 662 670 504 509 500 772 858 729 766 967 846 366 - Outstanding spot and
- Lainnya 1.187 1.297 1.282 1.296 1.254 1.740 1.239 1.228 1.226 1.189 1.057 1.160 1.193 1.245 1.240 - Others
Tagihan Kontinjensi 2.262 349 433 489 642 671 544 546 541 660 415 426 417 425 436 Contingent Claims
- Garansi yang diterima 8 22 20 20 20 21 21 21 21 22 22 23 23 20 21 - Received guarantees
- Pendapatan bunga dalam penyelesaian 2.248 320 406 459 613 641 514 516 511 485 384 395 385 396 405 - Accrued interest
- Lainnya 5 6 8 10 9 9 9 9 9 153 9 9 9 9 9 - Others
Kewajiban Kontijensi 1.268 866 809 758 651 676 648 679 634 1.555 1.671 1.491 1.147 1.053 513 Contingent Liabilities
- Garansi yang diberikan 1.268 865 808 758 650 675 648 679 634 1.555 1.670 1.490 1.144 1.050 510 - Issued guarantees
- Lainnya - 1 1 1 1 1 1 1 1 1 1 1 3 3 3 - Others
Lainnya 4.245 2.847 3.062 3.212 3.203 3.214 3.314 3.214 3.294 4.291 4.160 4.197 4.423 4.685 4.736 Others
Lainnya 39 39 41 43 43 43 43 54 55 154 171 168 171 253 224 - Others
- Aset produktif yang dihapustagih 175 - - - - - - - - - - - - - - - Charged off earning assets
Kredit yang diberikan 175 - - - - - - - - - - - - - - - Credit disbursed
Lainnya - - - - - - - - - - - - - - - - Others
26

(Commercial Sharia Banks Off-Balance Sheet - Group of Business Acitivies 3)
2016 2017
Tagihan Komitmen - 33 19 - - - 5 5 29 11 11 10 9 6 6 Commited Claims
- Fasilitas pinjaman yang belum ditarik - - - - - - - - - - - - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang - - - - - - - - - - - - - - 0 - Outstanding spot and derivatives
masih berjalan - (purchased)
- Lainnya (Others) - 33 19 - - - 5 5 29 11 11 10 9 6 6 - Others
Kewajiban Komitmen - 527 609 1.867 626 516 700 1.672 751 988 978 935 878 1.170 1.123 Commited Liabilities
- Fasilitas kredit kepada nasabah yang - 494 579 1.265 584 511 666 698 665 910 893 913 869 1.135 1.109 - Undisbursed loan facilities
Committed - - - - - - - - - - - - - - - - Committed
Uncommitted - 494 579 1.265 584 511 666 698 665 910 893 913 869 1.135 1.109 - Uncommitted
- Fasilitas kredit kepada bank lain yang - - - - - - - - - - - - - - - - Undisbursed loan facilities
Committed - - - - - - - - - - - - - - - - Committed
Uncommitted - - - - - - - - - - - - - - - - Uncommitted
- Irrevocable L/C yang masih berjalan - 33 19 - - - 5 5 29 11 11 10 9 6 6 - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang - - 11 5 41 5 29 64 57 67 73 12 - 29 9 - Outstanding spot and
- Lainnya - - - 597 - - - - - - - - - - - - Others
Tagihan Kontinjensi - 634 677 681 695 1.667 589 587 622 555 567 571 524 524 515 Contingent Claims
- Garansi yang diterima - 289 291 289 287 1.259 202 200 224 189 189 196 195 193 193 - Received guarantees
- Pendapatan bunga dalam penyelesaian - 345 386 392 408 408 387 387 397 366 378 375 329 331 322 - Accrued interest
- Lainnya - - - - - - - - - - - - - - - - Others
Kewajiban Kontijensi - 384 703 799 699 726 427 474 503 426 457 474 654 696 740 Contingent Liabilities
- Garansi yang diberikan - 384 703 799 699 726 427 474 503 426 457 474 654 696 740 - Issued guarantees
- Lainnya - - - - - - - - - - - - - - - - Others
Lainnya - 3.757 3.840 3.962 4.048 4.147 4.276 4.431 4.527 4.768 4.884 5.010 5.221 5.496 5.669 Others
- Penerusan Kredit - - - - - - - - - - - - - - - - Channelling
- Aset produktif yang dihapusbukukan - 3.757 3.840 3.962 4.048 4.147 4.276 4.431 4.527 4.768 4.884 5.010 5.221 5.496 5.669 - Written off earning assets
Kredit yang diberikan - 3.757 3.840 3.962 4.048 4.147 4.276 4.431 4.527 4.768 4.884 5.010 5.221 5.359 5.532 - Credit disbursed
Lainnya - - - - - - - - - - - - - 137 137 - Others
- Aset produktif yang dihapustagih - - - - - - - - - - - - - - - - Charged off earning assets
Kredit yang diberikan - - - - - - - - - - - - - - - - Credit disbursed
Lainnya - - - - - - - - - - - - - - - - Others
27
Tabel 1.25. Kinerja Bank Umum Konvensional

(Commercial Banks Performance)
2016 2017
Rasio Pemenuhan Kecukupan Modal
19,57 21,39 21,93 22,00 21,95 22,41 22,56 23,19 23,26 22,60 23,19 23,04 22,93 23,21 23,18 Capital Adequacy Ratio (%)
Minimum (%)
- Modal 754.174 914.657 938.203 948.063 951.422 984.035 1.009.113 1.027.173 1.036.925 1.018.067 1.038.877 1.045.429 1.052.597 1.073.127 1.072.136 - Capital
- ATMR 3.854.234 4.276.555 4.277.359 4.308.867 4.334.008 4.391.700 4.473.377 4.429.093 4.458.188 4.505.480 4.479.622 4.538.006 4.589.611 4.623.547 4.626.026 - Risk Weighted Assets
Rasio Modal Inti terhadap ATMR (%) 18,01 19,00 19,39 19,42 19,46 19,85 20,04 20,56 20,71 20,89 21,46 21,32 21,19 21,37 21,55 Core Capital Ratio to ATMR (%)
- Modal Inti (Tier I) 694.198 812.590 829.248 836.686 843.332 871.816 896.383 910.664 923.507 941.080 961.359 967.359 972.350 988.255 996.739 - Core Capital (Tier I)
Return On Assets Ratio (%) 2,85 2,32 2,29 2,44 2,38 2,34 2,31 2,35 2,36 2,38 2,41 2,37 2,23 2,46 2,35 Return On Assets Ratio (%)
- Laba sebelum pajak 142.769 132.601 135.059 144.273 141.210 139.406 138.230 141.042 142.033 143.531 145.636 143.913 136.048 158.770 152.003 - Profit
- Rata-rata total aset 5.004.089 5.703.813 5.897.521 5.916.572 5.929.530 5.949.975 5.982.755 6.004.095 6.024.319 6.028.224 6.047.242 6.073.446 6.106.959 6.458.310 6.476.002 - Average total assets
Biaya Operasional thdp Pendapatan
76,29 81,49 84,22 82,96 82,30 82,36 82,23 81,37 81,31 81,02 81,26 80,64 82,22 83,94 81,69 Operating Expenses/Operating Income (%)
Operasional (%)
- Biaya Operasional 446.217 569.141 119.536 173.129 215.798 261.165 314.471 354.959 404.611 455.279 525.190 542.162 624.173 70.015 113.452 - Operating Expenses
- Pendapatan Operasional 584.887 698.404 141.926 208.701 262.220 317.094 382.450 436.236 497.629 561.950 646.323 672.322 759.146 83.413 138.882 - Operating Income
Net Interest Margin Ratio (%) 4,23 5,39 5,47 5,55 5,56 5,60 5,59 5,59 5,59 5,65 5,65 5,62 5,63 5,39 5,28 Net Interest Margin Ratio (%)
- Pendapatan bunga bersih 260.940 293.824 310.370 316.062 317.252 320.066 321.005 321.836 322.686 326.399 327.610 327.475 329.913 333.768 327.945 - Interest income net
- Rata-rata total aset produktif 6.161.761 5.449.642 5.676.905 5.694.262 5.702.201 5.718.817 5.740.023 5.758.195 5.776.471 5.780.206 5.797.848 5.823.223 5.854.786 6.191.395 6.209.181 - Average total earning assets
Loan to Deposits Ratio (%) 89,42 92,11 89,50 89,60 89,52 90,32 91,19 90,18 90,04 91,71 90,77 90,70 90,70 89,59 89,12 Loan to Deposits Ratio (%)
Total Kredit kepada pihak ketiga

- 3.526.364 3.903.936 3.816.156 3.847.481 3.853.274 3.914.732 4.010.165 3.973.867 3.989.665 4.040.397 4.042.217 4.110.389 4.199.713 4.138.608 4.133.456 - Total Credit to third party
bukan Bank
- Total Dana Pihak Ketiga 3.943.697 4.238.349 4.263.681 4.294.176 4.304.273 4.334.098 4.397.620 4.406.613 4.431.197 4.405.603 4.453.197 4.531.645 4.630.352 4.619.553 4.637.991 - Total Third Party Funds
Rasio Aset Likuid (%) 16,24 16,70 17,40 17,96 17,74 17,71 17,72 16,34 16,78 16,49 17,27 17,20 17,50 17,81 18,20 Liquid Assets Ratio (%)
- Aset Likuid Primer 686.023 736.720 739.015 787.248 766.707 773.470 802.188 720.875 730.638 746.111 777.163 794.818 837.433 854.417 892.692 - Aset Likuid Primer
- Aset Likuid Sekunder 192.598 251.623 289.115 282.493 292.029 294.890 287.060 280.907 304.013 280.295 297.109 294.609 296.098 295.926 289.443 - Aset Likuid Sekunder
- Total Aset 5.410.098 5.919.390 5.908.754 5.954.674 5.968.404 6.031.753 6.146.653 6.132.137 6.165.885 6.223.751 6.218.768 6.335.493 6.475.602 6.458.310 6.493.693 - Total Assets
Ket: Data tidak termasuk data kinerja BUS
28
Tabel 1.26. Kinerja Bank Umum Konvensional - BUKU 1

(Performance of Commercial Conventional Banks - Group of Business Activities 1)
2016 2017
Minimum (%)
- Modal 19.415 18.763 18.618 17.482 16.338 17.721 15.047 15.199 13.379 13.005 13.347 14.000 14.113 14.353 14.682 - Capital
- ATMR 106.642 84.122 85.672 83.875 73.431 78.108 72.117 72.721 60.384 60.841 61.248 62.129 63.072 62.233 63.451 - Risk Weighted Assets
- Rata-rata total aset 155.862 133.597 135.344 133.437 123.983 126.089 115.977 116.457 100.624 100.658 100.689 100.702 100.652 100.295 102.749 - Average total assets
Operasional (%)
- Biaya Operasional 16.776 14.167 2.217 3.363 4.154 5.296 6.104 7.106 7.131 7.989 8.871 9.786 10.881 845 1.662 - Operating Expenses
- Rata-rata total aset produktif 159.857 125.591 128.372 126.394 117.577 119.611 109.885 110.331 95.128 95.152 95.157 95.154 95.052 94.411 96.937 - Average total earning assets
- 109.924 86.102 85.975 83.672 77.968 78.973 74.167 74.050 63.569 64.229 65.080 66.028 66.902 65.296 66.145 - Total Credit to third party
bukan Bank
- Total Dana Pihak Ketiga 129.155 100.070 109.548 113.093 107.641 108.485 92.941 95.487 79.569 78.721 79.285 77.872 70.997 76.858 82.237 - Total Third Party Funds
- Total Aset 166.367 131.305 136.584 140.085 132.387 134.513 117.619 119.342 100.536 100.934 100.963 100.838 100.103 100.295 105.204 - Total Assets
Ket: r) Angka-Angka Diperbaiki Note: r) Revised figures
29

2016 2017
Minimum (%)
- Modal 215.194 128.282 134.138 126.852 115.481 128.988 132.994 134.861 139.077 134.998 134.819 137.304 140.338 142.978 139.538 - Capital
- Rata-rata total aset 938.787 814.483 837.867 817.614 837.071 841.813 853.684 855.866 873.276 852.882 853.599 855.425 828.051 856.739 865.394 - Average total assets
Operasional (%)
- Rata-rata total aset produktif 1.209.871 776.242 802.867 784.520 804.259 809.107 819.746 821.775 838.427 819.379 820.040 821.693 794.619 819.996 828.820 - Average total earning assets
- 633.850 528.114 524.456 522.613 534.583 545.381 556.458 554.401 567.802 560.691 561.787 570.128 560.600 554.521 557.831 - Total Credit to third party
bukan Bank
- Total Dana Pihak Ketiga 623.124 539.928 583.184 595.929 625.461 623.267 617.589 626.897 638.335 606.196 611.891 616.793 571.782 597.046 615.324 - Total Third Party Funds
- Total Aset 1.003.337 811.066 839.343 829.412 858.672 860.780 860.836 868.963 884.395 854.015 860.054 873.681 844.755 856.739 874.049 - Total Assets
Ket: r) Angka-Angka Diperbaiki Note: r) Revised figures
30

2016 2017
Minimum (%)
- Modal 226.451 387.849 389.101 402.696 398.466 407.450 415.145 418.664 423.968 422.547 423.656 426.436 428.247 436.716 395.602 - Capital
Operasional (%)
bukan Bank
31

2016 2017
Minimum (%)
- Modal 292.203 379.762 396.346 401.032 421.137 429.876 445.927 458.450 460.501 447.517 467.055 467.688 469.900 479.080 522.315 - Capital
Operasional (%)
bukan Bank
32
Tabel 1.30. Kinerja Bank Umum Syariah - BUKU 1

(Performance of Commercial Sharia Banks - Group of Business Activities 1)
2016 2017
Capital Adequacy Ratio (%) 17,56 20,49 20,09 19,91 19,79 16,69 19,11 18,82 18,96 19,93 18,11 19,54 17,64 17,99 17,59 Capital Adequacy Ratio (%)
- Modal 3.512 3.851 2.712 2.735 2.760 2.221 2.672 2.643 2.655 2.833 2.563 2.846 1.765 1.774 1.762 - Capital
Kualitas Aktiva Produktif Earning Assset Quality

APYD terhadap Aktiva Produktif (%) 3,49 4,26 6,76 6,24 6,99 7,20 7,42 6,81 7,26 6,44 8,28 7,53 5,83 6,70 7,31 Classified Earning assets to Earning assets (%)
- APYD 857 975 1.227 1.181 1.322 1.398 1.413 1.356 1.464 1.330 1.662 1.528 991 1.075 1.122 - Classified Earning Assets
- Total Aktiva Produktif 24.591 22.852 18.149 18.939 18.896 19.407 19.044 19.917 20.160 20.635 20.071 20.292 17.009 16.046 15.355 - Total Earning assets
Rentabilitas Profitability
Net Operating Margin (%) 0,75 0,42 2,37 2,13 1,16 (6.51) 0,06 (1,33) (3,11) (1,55) (3,20) (0,94) (4,00) 0,53 2,53 Net Operating Margin (%)
- Pendapatan 168 81 400 365 200 (1.135) 11 (234) (550) (276) (571) (169) (508) 75 374 - Net Operations Income
- Rata-rata Aktiva 22.525 19.467 16.827 17.126 17.260 17.420 17.435 17.546 17.661 17.801 17.848 17.905 12.680 14.309 14.794 - Average Earning Assets
Return On Assets Ratio (%) 0,66 0,40 2,20 1,96 1,10 (5.83) 0,12 (1,14) (2,75) (1,35) (2,85) (0,81) (3,51) 0,47 2,32 Return On Assets Ratio (%)
- Laba 165 86 414 373 211 (1.123) 22 (223) (538) (266) (562) (160) (502) 71 400 - Profit
- Rata-Rata total aset 25.126 21.575 18.792 19.083 19.213 19.272 19.425 19.530 19.598 19.704 19.700 19.746 14.301 15.171 17.259 - Average Assets
Biaya Operasional thdp Pendapatan 95,36 97,66 88,15 88,93 93,72 136,25 99,72 106,15 114,41 107,16 115,39 104,29 118,17 95,95 78,35 Operating Expenses to Operations Revenue (%)
Operasional (%)
- Biaya Operasional 3.459 3.373 495 733 995 1.777 1.982 2.357 2.910 3.091 3.569 3.760 3.302 149 226 - Operations Expenses
- Pendapatan 3.627 3.454 562 824 1.062 1.304 1.987 2.221 2.544 2.884 3.093 3.606 2.794 155 288 - Operations Income
Likuiditas Liquidity
Short Term Mismatch (%) 18,03 20,21 21,84 18,97 24,11 19,89 23,01 20,27 19,74 20,54 20,20 23,12 23,18 26,79 25,21 Short Term Mismatch (%)
- Aktiva Jangka Pendek 3.910 3.820 3.107 3.017 3.839 3.258 3.777 3.355 3.263 3.424 3.386 3.830 3.001 3.321 3.968 - Short-Term Assets
- Kewajiban Jangka 21.684 18.906 14.223 15.902 15.922 16.386 16.416 16.553 16.533 16.667 16.761 16.571 12.951 12.395 15.736 - Short-Term Liabilities
Finance to Deposit Ratio (%) 93,38 96,60 95,66 93,55 95,48 90,68 94,04 92,32 95,44 97,58 99,09 100,40 94,18 89,21 91,54 Finance to Deposit Ratio (%)
- Pembiayaan 19.257 17.495 14.323 14.517 14.615 14.677 14.926 15.004 15.270 15.488 15.601 15.698 11.396 11.166 11.192 - Financing
- Dana Pihak Ketiga 20.623 18.112 14.972 15.518 15.307 16.186 15.873 16.252 16.001 15.872 15.744 15.636 12.101 12.517 12.226 - Third Party Funds
r) untuk Data KAP posisi Juli - Desember 2014 terdapat revisi tingkat kesehatan BUS - UUS berdasarkan SE r) Revision on data for KAP at July-December 2014 on Banking Health Measurement, which is based on SE OJK No. 11/SEOJK.03/2014 at June 11th, 2014
OJK No. 11/SEOJK.03/2014 tgl 11 Juni 2014
33

2016 2017
Capital Adequacy Ratio (%) r)
- Capital
- Modal 16.073 13.189 14.095 14.141 14.147 13.805 14.211 14.212 14.237 16.292 16.294 16.523 18.438 r) 18.727 18.902
- Risk Weighted Assets
- ATMR 104.410 88.180 87.719 87.300 88.166 89.496 90.644 89.266 88.996 98.043 98.017 98.637 103.724 r) 103.739 104.694
APYD terhadap Aktiva Produktif (%) 4,95 5,01 5,91 5,88 5,71 6,04 5,18 5,27 5,29 4,58 4,44 4,52 3,87
r)
4,86 4,97 Classified Earning assets to Earning assets (%)
- APYD 9.198 5.466 6.506 6.570 6.347 6.752 5.876 5.938 5.980 6.179 6.008 6.211 r) 6.884 7.059 - Classified Earning Assets
5.649
- Total Aktiva Produktif 185.781 109.147 110.001 111.656 111.225 111.844 113.402 112.594 112.975 134.819 135.394 137.484 r) 141.747 142.020 - Total Earning assets
146.136
Rentabilitas
Profitability
Net Operating Margin (%) 0,49 0,54 0,97 1,06 1,04 0,95 0,97 1,02 1,04 1,00 1,00 1,06 1,20
r)
1,41 0,19 Net Operating Margin (%)
748 544 1.047 1.147 1.132 1.031 1.055 1.115 1.137 1.144 1.157 1.243 r) 1.945 87 - Net Operations Income
- Pendapatan 1.423
153.023 101.146 108.163 108.508 108.589 108.765 109.197 109.396 109.589 113.954 115.758 117.435 r) 138.316 46.001 - Average Earning Assets
- Rata-rata Aktiva 118.478
Return On Assets Ratio (%) r)
0,38 0,48 0,81 0,89 0,88 0,85 0,89 0,91 0,92 0,89 0,90 0,96 1,08 1,28 0,12 Return On Assets Ratio (%)
- Laba 657 543 979 1.075 1.059 1.029 1.083 1.108 1.127 1.127 1.160 1.247 1.497 r) 1.983 64 - Profit
173.121 112.488 120.327 120.838 120.876 120.951 121.443 121.680 121.856 126.694 128.637 130.470 r) 154.371 53.423 - Average Assets
- Rata-Rata total aset 138.009
Biaya Operasional thdp Pendapatan r)
Operating Expenses to Operations Revenue (%)
97,19 96,03 92,93 92,21 92,13 93,26 92,91 92,44 92,19 92,41 93,11 92,61 91,58 90,26 98,63
Operasional (%)
- Biaya Operasional 25.826 13.155 2.295 3.393 4.418 5.947 6.912 7.955 8.942 10.439 13.024 14.282 r) 1.502 1.038 - Operations Expenses
15.473
- Pendapatan - Operations Income
26.574 13.699 2.470 3.680 4.795 6.376 7.440 8.605 9.700 11.297 13.988 15.422 16.896 r) 1.664 1.052
Short Term Mismatch (%) 18,25 18,62 24,22 24,54 25,17 22,79 21,88 22,46 23,14 27,79 26,78 27,82 24,87 27,70 29,30 Short Term Mismatch (%)
- Aktiva Jangka Pendek 23.923 15.888 20.201 20.927 21.088 19.414 19.120 19.274 20.000 29.401 27.607 29.211 30.757 30.521 12.641 - Short-Term Assets
- Kewajiban Jangka 131.075 85.331 83.396 85.269 83.766 85.194 87.379 85.803 86.423 105.782 103.101 104.983 123.672 110.184 43.145 - Short-Term Liabilities
Finance to Deposit Ratio (%) 85,73 90,55 91,81 91,64 92,31 93,24 93,35 92,60 90,93 88,49 89,52 88,70 89,21 r) 88,92 87,76 Finance to Deposit Ratio (%)
128.687 85.771 87.666 88.071 88.129 89.355 90.908 89.519 88.768 103.644 104.203 105.198 r) 109.389 110.252 - Financing
- Pembiayaan 110.929
- Dana Pihak Ketiga 150.100 94.726 95.491 96.101 95.469 95.829 97.386 96.672 97.622 117.127 116.400 118.600 124.349 123.023 125.629 - Third Party Funds
34

2016 2017
Capital Adequacy Ratio (%) r)
- 13,02 12,95 11,52 13,03 13,08 11,98 12,07 11,95 12,11 12,08 13,01 14,02 14,50 13,15 Capital Adequacy Ratio (%)
- Modal - 6.369 6.154 6.189 6.243 6.386 6.438 6.473 6.456 6.553 6.532 7.032 r) 6.971 7.007 - Capital
6950
- ATMR - 48.913 47.540 53.740 47.898 48.834 53.763 53.647 54.029 54.094 54.063 54.065 r) 48.084 53.299 - Risk Weighted Assets
49580
APYD terhadap Aktiva Produktif (%) Classified Earning assets to Earning assets (%)
- 5,82 6,32 5,86 5,92 6,01 5,47 5,28 5,73 5,27 5,05 5,25 4,70 4,55 4,52
- APYD - 3.787 4.238 3.926 3.930 3.957 3.659 3.673 3.926 3.674 3.586 3.796 3.430 3.273 3.271 - Classified Earning Assets
- Total Aktiva Produktif - 65.102 67.017 66.995 66.420 65.832 66.941 69.505 68.559 69.697 71.006 72.275 72.903 71.873 72.307 - Total Earning assets
Rentabilitas Profitability
Net Operating Margin (%) - 0,54 0,53 0,60 0,63 0,65 0,67 0,67 0,68 0,65 0,64 0,62 0,63 0,66 0,21 Net Operating Margin (%)
- Pendapatan - 331 346 396 416 427 439 445 447 431 427 419 429 467 3 - Net Operations Income
- Rata-rata Aktiva - 61.688 65.255 65.553 65.594 65.496 65.614 66.055 66.275 66.583 66.960 67.384 67.778 71.025 1.421 - Average Earning Assets
Return On Assets Ratio (%) - 0,52 0,45 0,57 0,60 0,61 0,62 0,63 0,62 0,60 0,59 0,57 0,59 0,58 0,29 Return On Assets Ratio (%)
- Laba - 348 319 405 429 437 444 450 445 434 426 417 431 460 4 - Profit
- Rata-Rata total aset - 67.284 70.984 71.168 71.302 71.162 71.306 71.721 71.957 72.211 72.573 73.008 73.494 79.277 1.519 - Average Assets
Biaya Operasional thdp Pendapatan 97,76 97,59 97,53 97,31 97,20 97,16 97,20 97,14 97,29 97,29 97,34 97,29 98,38 98,74 Operating Expenses to Operations Revenue (%)
-
Operasional (%)
- Biaya Operasional - 14.417 2.332 3.905 5.011 6.186 7.501 8.997 10.149 11.608 12.807 14.017 15.399 2.361 39 - Operations Expenses
- Pendapatan - 14.748 2.389 4.004 5.150 6.364 7.720 9.256 10.448 11.931 13.163 14.401 15.827 2.399 40 - Operations Income
Short Term Mismatch (%) - 22,05 23,33 22,94 22,94 16,90 15,05 15,02 15,48 14,25 13,92 15,11 18,04 r) 20,47 29,18 Short Term Mismatch (%)
- Aktiva Jangka Pendek - 12.902 14.136 13.876 13.876 10.032 9.129 9.435 9.633 8.993 8.895 9.770 11.910 r) 13.547 343 - Short-Term Assets
- 58.512 60.595 60.479 60.479 59.374 60.660 62.816 62.218 63.123 63.890 64.663 r) 66.187 1.176 - Short-Term Liabilities
- Kewajiban Jangka 66.033
Finance to Deposit Ratio (%) - 81,70 78,53 79,76 80,00 82,92 82,00 79,05 80,51 80,10 79,47 78,80 78,91 r) 76,63 75,36 Finance to Deposit Ratio (%)
- 50.701 49.764 50.379 50.689 51.690 52.310 52.050 52.585 52.847 53.495 53.657 r) 53.828 53.181 - Financing
- Pembiayaan 55.202
- 62.057 63.371 63.160 63.359 62.338 63.792 65.844 65.311 65.978 67.318 68.096 r) 70.242 70.574 - Third Party Funds
- Dana Pihak Ketiga 69.957
35
Tabel 1.33. Perkembangan Aset Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Kegiatan Usaha
(Growth of Commercial Banks Assets based on Group of Business Activities)
Miliar (Billion)
2016 2017
Kelompok Bank 2014 2015 Group of Bank
Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov Des Jan Feb
- BUKU 1 166.367 131.016 136.567 140.108 132.387 134.513 117.619 119.342 100.536 100.934 100.963 100.838 100.103 100.295 105.204 - BUKU 1
- BUKU 2 1.003.337 810.899 839.360 829.388 858.672 860.780 860.836 868.963 884.395 854.015 860.054 873.684 844.755 856.739 874.049 - BUKU 2
- BUKU 3 1.762.817 2.245.451 2.243.713 2.275.623 2.261.863 2.297.782 2.314.572 2.317.854 2.338.748 2.328.261 2.322.299 2.356.358 2.410.757 2.422.353 2.198.586 - BUKU 3
- BUKU 4 2.477.667 2.728.358 2.689.120 2.709.569 2.715.492 2.738.686 2.853.649 2.825.985 2.842.209 2.940.545 2.935.465 3.004.622 3.120.003 3.079.054 3.315.895 - BUKU 4
- BUKU 1 SYARIAH 35.163 23.592 18.941 19.662 19.594 19.502 20.109 20.128 20.069 20.545 19.658 20.209 15.968 15.171 14.703 - BUKU 1 SHARIA
- BUKU 2 SYARIAH 169.797 119.031 119.932 121.860 120.992 121.248 123.905 123.103 123.088 147.139 146.132 148.796 159.374 154.370 156.174 - BUKU 2 SHARIA
- BUKU 3 SYARIAH - 70.799 71.717 71.538 71.704 70.602 72.023 74.214 73.606 74.242 75.837 77.355 78.839 79.276 79.703 - BUKU 3 SHARIA
Total 5.615.150 6.129.146 6.119.350 6.167.747 6.180.703 6.243.113 6.362.713 6.349.589 6.382.650 6.465.680 6.460.408 6.581.861 6.729.799 6.707.258 6.744.314 Total
36
Tabel 1.34. Jumlah Bank Umum Konvensional dan Bank Umum Syariah Berdasarkan Pengelompokan Total Aset
(Total of Commercial Banks Based on Total Assets)
Desember 2014 Desember 2015 Februari 2016 Desember 2016 Februari 2017
Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10
Kelompok Rp. 1 s.d > Rp. > Rp. > Rp. > Rp. > Rp.
< Rp. 1 s.d < Rp. 1 s.d s.d < Rp. 1 s.d s.d < Rp. 1 s.d s.d < Rp. 1 s.d s.d Group of Bank
Bank 10 50 50 50 50 50
Triliun 50 Triliun 10 50 Triliun 10 50 Triliun 10 50 Triliun 10 50
Triliun Triliun Triliun Triliun Triliun Triliun
Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun
BUKU 1 6 35 1 0 5 27 2 0 6 25 2 0 4 20 1 0 4 20 1 0 BUKU 1
BUKU 2 0 10 31 3 0 13 33 0 0 12 35 0 1 16 31 2 0 16 31 2 BUKU 2
BUKU 3 0 0 3 14 0 0 4 18 0 0 4 18 0 0 6 18 0 0 6 17 BUKU 3
BUKU 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 5 BUKU 4
BUKU 1 SYARIAH 0 6 0 0 0 5 0 0 0 4 0 0 0 3 0 0 0 3 0 0 BUKU 1 SHARIA
Total 6 53 37 23 5 48 41 24 6 45 43 24 5 44 41 26 4 44 41 26 Total
37
Tabel 1.35. Aset Produktif Bank Umum Konvensional & Syariah dan
Kualitas Kredit Bank Umum Konvensional & Syariah kepada Bank Lain
(Earning Assets of Commercial Banks and Credit Quality of Commercial Banks to Other Bank)
2016 2017
Aset Produktif Neraca 4.717.573 5.195.162 5.247.489 5.352.892 5.395.822 5.464.757 5.474.994 5.541.464 5.555.156 5.604.613 5.616.361 5.702.760 5.748.923 5.797.196 5.824.582 Earning Assets
a. Lancar 4.477.200 4.889.602 4.878.482 5.000.177 5.024.420 5.099.356 5.118.205 5.165.859 5.185.946 5.238.530 5.252.002 5.336.746 5.417.259 5.422.299 5.424.610 a. Current
b. DPK 153.762 198.917 249.498 234.137 248.515 232.507 223.869 238.506 229.984 229.781 222.806 224.260 198.041 236.567 258.440 b. Special Mention
c. Kurang Lancar 14.971 20.656 22.466 19.922 22.017 26.018 25.606 24.370 25.188 26.692 28.391 26.904 28.452 29.378 27.789 c. Sub-Standard
d. Diragukan 15.852 13.528 16.619 18.623 17.588 18.528 22.301 22.963 20.084 16.254 18.101 18.903 15.961 17.955 20.748 d. Doubtful
e. Macet 55.789 72.459 80.423 80.033 83.282 88.347 85.012 89.766 93.954 93.356 95.061 95.947 89.210 90.998 92.995 e. Loss
Aset Produktif Transaksi Rekening 1.465.326 1.590.184 1.577.913 1.573.993 1.576.086 1.645.281 1.565.893 1.587.780 1.620.785 1.635.266 1.673.028 1.700.276 1.682.211 1.751.884 1.816.587 Earning Assets - Account Administrative
Administratif Transactions
d. Diragukan 582 250 352 514 577 1.054 569 357 322 317 306 311 1.005 326 864 d. Doubtful
e. Macet 1.498 1.575 1.320 1.245 1.258 2.873 1.392 1.391 1.090 1.011 1.007 1.201 827 1.026 3.937 e. Lost
Non Performing Earning Aset (Nominal) 90.964 110.353 123.593 122.515 127.593 141.496 137.447 141.087 143.701 140.567 145.890 146.671 137.104 141.351 150.368 Non Performing Earning Asset
(Nominal)
Kredit kepada Bank Lain 32.192 34.758 30.722 30.003 29.753 30.235 32.550 31.387 31.148 32.029 31.017 30.535 36.781 34.347 35.036 Interbank Loans
a. Lancar 32.089 34.655 30.554 29.871 29.591 30.075 32.418 31.205 31.028 31.870 30.893 30.407 36.667 34.226 34.861 a. Current
b. DPK 11 16 64 18 51 46 21 63 6 51 23 33 19 17 72 b. Special Mention
c. Kurang Lancar 9 - - - 4 3 - 12 8 8 8 - - - - c. Sub-Standard
d. Diragukan 0 - 0 0 - 5 6 3 3 3 - - - 0 - d. Doubtful
e. Macet 84 88 104 115 107 106 104 105 103 97 93 95 94 104 103 e. Loss
Non Performing Loan kepada Bank Lain 93 88 104 115 111 111 110 119 114 108 101 95 94 104 103 Interbank Non Performing Loan
(Nominal) (Nominal)
Ket: *) Angka-angka sementara Note: *) Provisional figures
38
Tabel 1.36. Aset Produktif dan Kualitas Kredit Bank Umum Konvensional kepada Bank Lain - BUKU 1
(Earning Assets and Credit Quality of Commercial Conventional to Other Bank - Banks Group of Business Activities 1 )
2016 2017
Aset Produktif Neraca 133.735 108.240 108.262 115.408 107.784 110.481 95.298 99.481 82.527 82.755 83.840 82.785 83.133 81.735 85.374 Earning Assets
c. Kurang Lancar 351 276 375 410 453 250 334 275 229 231 202 224 170 227 275 c. Sub-Standard
d. Diragukan 438 287 259 350 365 420 390 283 242 214 213 173 121 133 110 d. Doubtful
e. Macet 1.544 1.239 1.382 1.197 1.254 1.279 1.174 1.297 1.030 1.094 1.125 1.207 1.102 1.084 1.098 e. Loss
Aset Produktif Transaksi Rekening 12.875 8.582 8.658 7.439 6.842 7.591 6.495 6.802 5.603 5.301 5.318 5.272 4.757 4.641 4.735 Earning Assets - Account Administrative
b. DPK 53 26 24 38 27 24 26 34 11 14 11 23 17 20 15 b. Special Mention
e. Macet 8 13 13 5 5 6 6 5 7 8 7 7 6 8 6 e. Loss
(Nominal)
Kredit kepada Bank Lain 1.037 836 730 685 658 721 748 731 596 601 600 594 677 684 741 Interbank Loans
a. Lancar 1.033 831 721 681 654 717 742 727 592 597 596 590 673 679 736 a. Current
b. DPK 2 - 5 - - - 2 - - - - - - - - b. Special Mention
c. Kurang Lancar 1 - - - - - - - - - - - - - c. Sub-Standard
d. Diragukan - - - - - - - - - - - - - - d. Doubtful
e. Macet 1 4 4 4 4 4 4 4 4 4 4 4 4 4 4 e. Loss
(Nominal) (Nominal)
39
(Earning Assets and Credit Quality of Commercial Conventional Banks to Other Bank - Group of Business Activities 2 )
2016 2017 Indicator

Indikator 2014 2015
e. Macet 12.457 12.244 13.777 14.057 14.203 14.297 15.128 16.406 16.390 16.523 16.653 17.637 15.048 15.757 16.287 e. Loss
b. DPK 5.166 1.332 1.891 1.178 1.682 1.078 846 1.174 1.001 945 910 1.031 898 2.029 1.672 b. Special Mention
c. Kurang Lancar 1.283 360 461 146 20 67 15 62 12 29 22 19 20 29 36 c. Sub-Standard
e. Macet 164 317 339 290 286 296 288 291 305 313 294 339 233 512 251 e. Loss
(Nominal)
b. DPK 0 0 0 0 - - - - - - - - - - 51 b. Special Mention
c. Kurang Lancar - - - - 0 - - - - - - - - - - c. Sub-Standard
d. Diragukan - - 0 0 - 0 0 - - - - - - - - d. Doubtful
e. Macet 0 1 1 1 1 1 1 1 1 1 1 1 1 - - e. Loss
Non Performing Loan kepada Bank Lain 0 1 1 1 1 1 1 1 1 1 1 1 1 - - Interbank Non Performing Loan
(Nominal) (Nominal)
40
(Earning Assets and Credit Quality of Commercial Conventional Banks to Other Bank - Group of Business Activities 3)
2016 2017
e. Macet 20.243 30.517 33.446 34.199 34.593 36.238 34.064 35.249 35.797 33.583 33.985 34.848 34.253 34.654 30.312 e. Loss
c. Kurang Lancar 659 1.174 1.496 1.597 2.118 2.258 2.450 2.101 2.126 2.006 2.100 2.506 1.419 1.448 1.389 c. Sub-Standard
e. Macet 445 1.139 867 853 867 991 931 923 590 532 551 690 283 332 829 e. Loss
(Nominal)
b. DPK - 16 39 11 44 29 10 12 3 2 7 21 19 17 8 b. Special Mention
c. Kurang Lancar - - - - - 3 - 9 8 8 8 - - - - c. Sub-Standard
d. Diragukan 0 - - - - 2 3 3 - - - - - 0 - d. Doubtful
e. Macet 0 5 23 32 32 29 30 27 24 20 14 15 15 25 17 e. Loss
(Nominal) (Nominal)
41
(Earning Assets and Credit Quality of Commercial Conventional Banks to Other Bank - Group of Business Activities 4)
2016 2017
e. Macet 17.555 23.774 26.579 25.546 27.852 30.813 29.106 31.291 35.367 36.853 37.753 36.770 34.122 35.111 40.902 e. Loss
e. Macet 85 102 96 93 95 186 163 165 183 151 149 160 305 170 168 e. Loss
(Nominal)
b. DPK 8 - 10 7 3 3 4 47 - - 13 8 - - 14 b. Special Mention
c. Kurang Lancar - - - - 4 0 - 3 - - - - - - - c. Sub-Standard
d. Diragukan - - - - - 4 4 - 3 3 - - - - - d. Doubtful
e. Macet 72 70 69 70 70 71 69 72 73 72 74 75 74 74 81 e. Loss
(Nominal) (Nominal)
42
Tabel 1.40. Aset Produktif dan Kualitas Kredit Bank Umum Syariah kepada Bank Lain - BUKU 1
(Earning Assets and Credit Quality of Commercial Sharia Banks to Other Bank - Group of Business Activities 1)
2016 2017
b. DPK 1.597 1.564 2.498 2.350 2.341 1.995 2.094 2.428 2.300 2.173 2.051 2.450 754 960 1.069 b. Special Mention
e. Macet 358 376 362 387 397 430 434 452 451 452 865 715 399 408 460 e. Loss
Aset Produktif Transaksi Rekening 645 1.557 1.123 1.174 1.197 1.309 1.499 1.668 1.666 1.677 1.728 1.706 1.727 1.612 1.447 Earning Assets - Account Administrative
a. Lancar 645 1.557 1.123 1.174 1.197 1.309 1.499 1.668 1.666 1.676 1.728 1.705 1.726 1.612 1.447 a. Current
b. DPK 0 0 0 0 0 0 0 0 - - - - 0 0 0 b. Special Mention
c. Kurang Lancar - - 0 0 0 - - - - - 0 0 - 0 0 c. Sub-Standard
d. Diragukan - - - - 0 - - - - - - - - - - d. Doubtful
e. Macet - - - - - 0 0 0 0 0 0 0 - - - e. Loss
Non Performing Earning Aset (Nominal) 749 758 780 749 1.014 1.312 1.297 961 1.255 1.061 1.378 1.057 1.165 1.208 2.092 Non Performing Earning Asset
(Nominal)
Kredit kepada Bank Lain 111 88 85 83 82 80 58 56 40 39 37 35 34 27 26 Interbank Loans
a. Lancar 110 88 85 83 79 78 56 54 38 37 35 33 34 27 26 a. Current
b. DPK - - - - 2 2 2 2 2 2 2 2 - - - b. Special Mention
c. Kurang Lancar 1 - - - - - - - - - - - - - - c. Sub-Standard
d. Diragukan - - - - - - - - - - - - - - - d. Doubtful
e. Macet - - - - - - - - - - - - - - - e. Loss
Non Performing Loan kepada Bank Lain 1 - - - - - - - - - - - - - - Interbank Non Performing Loan
(Nominal) (Nominal)
43
2016 2017
c. Kurang Lancar 1.851 773 738 770 645 808 991 663 873 578 830 736 886 1.140 1.496 c. Sub-Standard
d. Diragukan 1.321 348 571 634 475 155 398 407 569 368 300 342 554 565 411 d. Doubtful
e. Macet 3.632 2.510 2.956 2.799 3.088 572 3.392 3.362 3.087 3.163 2.949 3.104 2.532 2.584 2.612 e. Loss
b. DPK 1.205 1 2 2 0 0 0 2 3 2 1 0 41 27 25 b. Special Mention
c. Kurang Lancar 287 1 26 25 26 0 29 25 27 1 5 4 - 15 15 c. Sub-Standard
d. Diragukan 180 2 - - - 27 1 0 0 - 0 2 2 - - d. Doubtful
e. Macet 797 4 4 5 5 4 4 5 5 6 6 5 1 2 2 e. Loss
(Nominal)
Kredit kepada Bank Lain 369 307 303 294 298 311 386 380 310 364 345 346 341 335 329 Interbank Loans
a. Lancar 352 307 298 294 298 307 386 380 310 341 345 346 341 335 329 a. Current
b. DPK 0 - 5 - - 5 - - - 23 - 0 - - - b. Special Mention
c. Kurang Lancar 7 - - - - - - - - - - - - - - c. Sub-Standard
e. Macet 11 0 0 0 0 0 0 0 0 0 0 0 0 0 0 e. Loss
(Nominal) (Nominal)
44
2016 2017
Aset Produktif Neraca - 64.445 66.239 66.149 65.717 65.105 66.203 68.699 67.815 69.050 70.348 71.625 72.113 71.025 71.392 Earning Assets
a. Lancar - 56.837 57.474 58.224 57.879 57.067 58.823 61.145 59.649 61.540 63.170 63.850 65.288 64.215 64.292 a. Current
b. DPK - 4.329 5.064 4.445 4.395 4.595 4.263 4.408 5.052 4.441 4.119 4.639 3.910 3.998 4.406 b. Special Mention
c. Kurang Lancar - 1.121 1.434 1.328 1.191 1.228 837 864 672 785 830 676 688 902 877 c. Sub-Standard
d. Diragukan - 359 346 304 357 390 567 572 611 596 500 794 471 510 494 d. Doubtful
e. Macet - 1.797 1.922 1.848 1.895 1.825 1.713 1.710 1.831 1.688 1.730 1.665 1.755 1.400 1.323 e. Loss
Aset Produktif Transaksi Rekening - 417 722 799 699 726 432 479 532 437 468 485 663 702 746 Earning Assets - Account Administrative
a. Lancar - 264 573 651 552 574 285 479 384 292 322 333 663 546 597 a. Current
b. DPK - - - - - - 147 - 148 146 146 151 - 154 149 b. Special Mention
c. Kurang Lancar - 154 149 148 147 152 - - - - - - - - - c. Sub-Standard
e. Macet - - - - - - - - - - - - - 1 - e. Loss
Non Performing Earning Aset (Nominal) - 3.432 3.850 3.628 3.590 3.596 3.117 3.146 3.114 3.069 3.059 3.135 2.914 2.814 4.734 Non Performing Earning Asset
(Nominal)
Kredit kepada Bank Lain - 164 153 150 151 156 200 198 195 200 194 186 186 179 184 Interbank Loans
a. Lancar - 160 150 147 151 156 200 198 195 200 194 186 186 179 184 a. Current
b. DPK - - - - - - - - - - - - - - - b. Special Mention
c. Kurang Lancar - - - - - - - - - - - - - - - c. Sub-Standard
e. Macet - 3 3 3 - - - - - - - - - - - e. Loss
Non Performing Loan kepada Bank Lain - 3 3 3 - - - - - - - - - - - Interbank Non Performing Loan
(Nominal) (Nominal)
45
Tabel 1.43. Komposisi Dana Pihak Ketiga Bank Umum

(Composition of Third Party Funds of State Owned Banks)
Komposisi thd Total Komposisi thd Total Komposisi thd Total Komposisi thd Total Komposisi thd Total
Keterangan DPK (%) DPK (%) DPK (%) DPK (%) DPK (%) Items
Nominal Nominal Nominal Nominal Nominal
(Composition to (Composition to (Composition to (Composition to (Composition to
Total Third Party Total Third Party Total Third Party Total Third Party Total Third Party
Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%)
Giro 889.586 21,62 987.532 22,38 1.015.665 22,89 1.124.235 23,24 1.126.547 23,24 Demand Deposits
Rupiah 605.276 14,71 667.537 15,13 703.122 15,84 821.777 16,99 831.806 17,16 Rupiah
Valas 284.309 6,91 319.995 7,25 312.543 7,04 302.458 6,25 294.741 6,08 Foreign Exchange
Tabungan 1.284.458 31,22 1.396.011 31,63 1.336.809 30,13 1.551.809 32,08 1.490.616 30,76 Saving
Rupiah 1.187.559 28,86 1.274.588 28,88 1.218.231 27,45 1.413.351 29,22 1.357.460 28,01 Rupiah
Simpanan Berjangka 1.940.376 47,16 2.029.513 45,99 2.085.041 46,99 2.160.714 44,67 2.229.258 46,00 Time Deposits
Rupiah 1.641.743 39,90 1.723.319 39,05 1.800.540 40,58 1.856.507 38,38 1.918.887 39,59 Rupiah
- Jangka Waktu 1 bulan - - - Periode 1 Month
Rupiah 925.812 22,50 902.329 20,45 916.670 20,66 932.222 19,27 1.112.738 22,96 Rupiah
Rupiah 374.111 9,09 453.597 10,28 478.235 10,78 517.583 10,70 393.126 8,11 Rupiah
Rupiah 149.345 3,63 177.145 4,01 202.994 4,57 193.274 4,00 197.616 4,08 Rupiah
- Jangka Waktu >= 12 bulan - - - Periode >= 12 Month
Rupiah 192.350 4,68 190.213 4,31 202.641 4,57 213.428 4,41 215.406 4,44 Rupiah
Total DPK 4.114.420 100,00 4.413.056 100,00 4.437.515 100,00 4.836.758 100,00 4.846.420 100,00 Total Third Party Funds
Rupiah 3.434.579 83,48 3.665.444 83,06 3.721.893 83,87 4.091.634 84,59 4.108.153 84,77 Rupiah
46
Tabel 1.44. Komposisi Dana Pihak Ketiga Bank Umum Konvensional - BUKU 1
(Composition of Third Party Funds of Commercial Conventional Banks - Group of Business Activities 1 )
Keterangan Komposisi thd Total Komposisi thd Total Komposisi thd Total Komposisi thd Total Komposisi thd Total Items
DPK (%) DPK (%) DPK (%) DPK (%) DPK (%)
Giro 21.155 16,38 17.187 17,21 27.213 24,84 12.770 17,99 22.585 27,46 Demand Deposits
Rupiah 20.207 15,65 16.434 16,45 26.435 24,13 12.710 17,90 22.543 27,41 Rupiah
Valas 948 0,73 753 0,75 778 0,71 61 0,09 43 0,05 Foreign Exchange
Tabungan 21.720 16,82 20.567 20,59 18.824 17,18 12.555 17,68 10.925 13,29 Saving
Rupiah 21.707 16,81 20.554 20,58 18.810 17,17 12.555 17,68 10.925 13,29 Rupiah
Valas 13 0,01 14 0,01 13 0,01 - - - - Foreign Exchange
Simpanan Berjangka 86.281 66,80 62.127 62,20 63.511 57,98 45.672 64,33 48.727 59,25 Time Deposits
Rupiah 83.216 64,43 60.489 60,56 62.014 56,61 45.531 64,13 48.625 59,13 Rupiah
Valas 3.065 2,37 1.638 1,64 1.497 1,37 141 0,20 101 0,12 Foreign Exchange
- Jangka Waktu 1 bulan - - - - - - Periode 1 Month
Rupiah 45.496 35,23 28.376 28,41 28.300 25,83 23.082 32,51 29.159 35,46 Rupiah
Valas 2.316 1,79 812 0,81 691 0,63 65 0,09 70 0,08 Foreign Exchange
Rupiah 21.469 16,62 16.013 16,03 16.014 14,62 9.684 13,64 7.206 8,76 Rupiah
Rupiah 7.765 6,01 6.370 6,38 6.961 6,35 6.229 8,77 5.557 6,76 Rupiah
- Jangka Waktu >= 12 bulan - - - - - - Periode >= 12 Month
Rupiah 8.486 6,57 9.730 9,74 10.739 9,80 6.536 9,21 6.703 8,15 Rupiah
Total DPK 129.155 100,00 99.881 100,00 109.548 100,00 70.997 100,00 82.237 100,00 Total Third Party Funds
Rupiah 125.130 96,88 97.477 97,59 107.259 97,91 70.796 99,72 82.093 99,82 Rupiah
Valas 4.026 3,12 2.404 2,41 2.288 2,09 201 0,28 144 0,18 Foreign Exchange
47
Keterangan DPK (%) DPK (%) DPK (%) DPK (%) DPK (%)
Items
Rupiah 134.993 21,66 89.923 16,65 117.623 20,17 90.901 15,90 118.108 19,19 Rupiah
Tabungan 123.953 19,89 109.872 20,35 99.526 17,07 117.726 20,59 108.614 17,65 Saving
Rupiah 110.562 17,74 102.613 19,00 92.685 15,89 112.699 19,71 103.224 16,78 Rupiah
Rupiah 249.895 40,10 250.267 46,35 273.101 46,83 296.193 51,80 318.429 51,75 Rupiah
- Jangka Waktu 1 bulan - - - - - Periode 1 Month
Rupiah 133.555 21,43 120.655 22,35 131.125 22,48 128.866 22,54 158.248 25,72 Rupiah
Rupiah 62.176 9,98 65.876 12,20 69.926 11,99 80.871 14,14 65.835 10,70 Rupiah
- Jangka Waktu 6 bulan - - - - Periode 6 Month
Rupiah 28.711 4,61 27.988 5,18 31.551 5,41 38.514 6,74 42.506 6,91 Rupiah
- Jangka Waktu >= 12 bulan - - - - Periode >= 12 Month
Rupiah 25.432 4,08 35.748 6,62 40.498 6,94 47.943 8,38 51.840 8,42 Rupiah
Rupiah 495.449 79,51 442.803 82,01 483.409 82,89 499.793 87,41 539.761 87,72 Rupiah
48
Rupiah 157.901 12,46 214.291 14,12 229.618 14,93 269.855 16,52 241.254 16,35 Rupiah
Tabungan 283.686 22,38 326.640 21,53 323.609 21,04 365.784 22,39 307.902 20,86 Saving
Rupiah 242.866 19,16 262.873 17,32 259.277 16,86 290.974 17,81 242.276 16,41 Rupiah
Rupiah 597.180 47,11 715.341 47,14 739.404 48,07 750.986 45,98 707.531 47,94 Rupiah
Rupiah 350.286 27,63 350.944 23,13 358.773 23,32 373.463 22,86 414.590 28,09 Rupiah
Rupiah 140.538 11,09 202.967 13,38 208.008 13,52 211.144 12,93 145.592 9,86 Rupiah
Rupiah 53.511 4,22 97.998 6,46 105.854 6,88 87.979 5,39 82.285 5,57 Rupiah
- Jangka Waktu >= 12 bulan - - - - - Periode >= 12 Month
Rupiah 52.821 4,17 63.398 4,18 66.769 4,34 78.400 4,80 65.063 4,41 Rupiah
Rupiah 997.947 78,72 1.192.505 78,59 1.228.299 79,85 1.311.815 80,31 1.191.060 80,70 Rupiah
49
Keterangan Komposisi thd Total Komposisi thd Total Komposisi thd Total Komposisi thd Total Komposisi thd Total Items
DPK (%) DPK (%) DPK (%) DPK (%) DPK (%)
Rupiah 281.247 14,62 335.491 16,12 318.992 15,69 431.523 18,33 432.243 17,54 Rupiah
Tabungan 804.681 41,83 886.195 42,59 842.184 41,43 991.013 42,10 998.953 40,53 Saving
Rupiah 762.157 39,62 835.954 40,17 794.941 39,11 932.553 39,61 936.980 38,02 Rupiah
Rupiah 613.099 31,87 598.324 28,75 627.324 30,86 651.088 27,66 729.481 29,60 Rupiah
Rupiah 358.213 18,62 343.483 16,51 344.011 16,92 355.797 15,11 455.133 18,47 Rupiah
Rupiah 131.963 6,86 152.249 7,32 164.643 8,10 197.509 8,39 158.946 6,45 Rupiah
Rupiah 44.263 2,30 35.300 1,70 52.161 2,57 45.795 1,95 51.392 2,09 Rupiah
- Jangka Waktu >= 12 bulan - - - - - Periode >= 12 Month
Rupiah 78.660 4,09 67.292 3,23 66.509 3,27 51.987 2,21 64.010 2,60 Rupiah
Rupiah 1.656.503 86,11 1.769.768 85,05 1.741.256 85,66 2.015.164 85,60 2.098.704 85,16 Rupiah
50
Tabel 1.48. Komposisi Dana Pihak Ketiga Bank Umum Syariah - BUKU 1
(Composition of Third Party Funds of Commercial Sharia Banks - Group of Business Activities 1 )
Giro 1.523 5,70 1.176 6,49 693 4,63 1.055 8,72 642 5,25 Demand Deposits
Rupiah 1.357 5,07 1.134 6,26 643 4,30 1.055 8,72 642 5,25 Rupiah
Tabungan 3.336 12,47 2.124 11,73 1.873 12,51 1.599 13,21 1.510 12,35 Saving
Rupiah 3.336 12,47 2.124 11,73 1.872 12,51 1.599 13,21 1.510 12,35 Rupiah
Rupiah 21.700 81,15 14.797 81,70 12.406 82,86 9.447 78,07 10.074 82,40 Rupiah
Rupiah 12.521 46,82 7.834 43,25 7.014 46,85 5.349 44,21 7.007 57,31 Rupiah
Valas 50 0,19 13 0,07 - - - - - - Foreign Exchange
Rupiah 4.869 18,21 2.993 16,52 3.020 20,17 2.788 23,04 1.914 15,65 Rupiah
Valas 17 0,06 - - - - - - - - Foreign Exchange
Rupiah 2.292 8,57 1.086 6,00 628 4,19 889 7,34 898 7,35 Rupiah
Valas 30 0,11 - - - - - - - - Foreign Exchange
Rupiah 1.937 7,24 2.884 15,93 1.745 11,65 421 3,48 255 2,08 Rupiah
Rupiah 26.393 98,69 18.054 99,68 14.922 99,66 12.101 100,00 12.226 100,00 Rupiah
51
Rupiah 9.572 6,65 5.925 6,26 5.824 6,10 10.636 8,55 12.138 9,66 Rupiah
Valas 2.712 1,88 1.940 2,05 1.453 1,52 1.032 0,83 869 0,69 Foreign Exchange
Tabungan 47.082 32,70 25.622 27,05 26.165 27,40 35.375 28,45 35.102 27,94 Saving
Rupiah 46.931 32,60 25.482 26,90 26.018 27,25 35.212 28,32 34.935 27,81 Rupiah
Rupiah 76.653 53,24 56.723 59,88 58.111 60,86 72.477 58,29 72.687 57,86 Rupiah
Rupiah 25.740 17,88 30.391 32,08 25.963 27,19 21.114 16,98 21.842 17,39 Rupiah
Rupiah 13.096 9,10 10.308 10,88 13.435 14,07 13.138 10,57 12.167 9,69 Rupiah
Valas 2.249 1,56 893 0,94 884 0,93 762 0,61 681 0,54 Foreign Exchange
Rupiah 12.803 8,89 7.284 7,69 4.700 4,92 12.542 10,09 13.631 10,85 Rupiah
Valas 2.033 1,41 218 0,23 251 0,26 1.362 1,10 717 0,57 Foreign Exchange
Rupiah 25.014 17,37 8.741 9,23 14.013 14,67 25.682 20,65 25.046 19,94 Rupiah
Rupiah 133.157 92,48 88.131 93,04 89.953 94,20 118.325 95,16 119.760 95,33 Rupiah
52
Giro - - 5.830 9,39 5.460 8,62 6.930 9,91 6.236 8,84 Demand Deposits
Rupiah - - 4.340 6,99 3.987 6,29 5.097 7,29 4.879 6,91 Rupiah
Valas - - 1.490 2,40 1.473 2,32 1.833 2,62 1.357 1,92 Foreign Exchange
Tabungan - - 24.987 40,26 24.628 38,86 27.759 39,68 27.609 39,12 Saving
Rupiah - - 24.984 40,26 24.628 38,86 27.759 39,68 27.609 39,12 Rupiah
Valas - - 3 0,00 0 0,00 - - - - Foreign Exchange
Simpanan Berjangka - - 31.240 50,34 33.283 52,52 35.269 50,41 36.729 52,04 Time Deposits
Rupiah - - 27.378 44,12 28.180 44,47 30.785 44,01 32.060 45,43 Rupiah
Rupiah - - 27.562 40,94 21.483 33,90 24.551 35,09 26.758 37,92 Rupiah
Rupiah - - 3.233 4,80 3.188 5,03 2.449 3,50 1.467 2,08 Rupiah
Valas - - 77 0,11 340 0,54 80 0,12 52 0,07 Foreign Exchange
Rupiah - - 1.183 1,76 1.139 1,80 1.326 1,90 1.346 1,91 Rupiah
Rupiah - - 2.484 3,69 2.369 3,74 2.459 3,52 2.489 3,53 Rupiah
Total DPK - - 62.057 100,00 63.371 100,00 69.957 100,00 70.574 100,00 Total Third Party Funds
Rupiah - - 56.702 91,37 56.795 89,62 63.641 90,97 64.548 91,46 Rupiah
53
Tabel 1.51. Suku Bunga Rata-rata DPK Bank Umum

(Average of Interest Rate of Third Party Funds of Commercial Banks)
Persen (Percent)
2016 2017
Giro Demand Deposits
Rupiah 2,31 2,19 2,35 2,36 2,37 2,33 2,27 2,30 2,23 2,23 2,21 2,21 2,24 2,30 2,26 - Rupiah
Valas 0,46 0,36 0,32 0,33 0,35 0,34 0,34 0,34 0,34 0,33 0,36 0,39 0,35 0,37 0,35 - Foreign Exchange
Tabungan Saving
Rupiah 2,02 1,99 1,98 1,91 1,86 1,83 1,78 1,79 1,79 1,76 1,73 1,73 1,69 1,68 1,67 - Rupiah
Simpanan Berjangka Time Deposits
- Simpanan Berjangka 1 bln - 1 Month Time Deposits
Rupiah 8,56 7,58 7,38 7,10 6,88 6,78 6,75 6,65 6,60 6,57 6,29 6,36 6,45 6,39 6,40 Rupiah
Valas 1,99 1,01 0,93 0,95 0,90 0,85 0,87 0,83 0,83 0,85 0,84 0,84 0,97 0,91 0,92 Foreign Exchange
Rupiah 9,14 8,15 8,05 7,83 7,58 7,34 7,20 7,12 7,07 6,99 6,84 6,84 6,79 6,76 6,79 Rupiah
Rupiah 9,22 8,54 8,50 8,37 8,19 8,02 7,82 7,58 7,45 7,34 7,09 7,13 7,08 7,04 6,98 Rupiah
- Simpanan Berjangka >= 12 bln - 12 >= Month Time Deposits
Rupiah 8,76 8,58 8,47 8,32 8,21 8,11 8,04 7,98 7,87 7,69 7,31 7,40 7,35 7,30 7,18 Rupiah
54
Tabel 1.52. Suku Bunga Rata-rata DPK Bank Umum Konvensional - BUKU 1
(Average of Interest Rate of Third Party Funds of Commercial Conventional Banks - Group of Business Activities 1 )
Persen (Percent)
2016 2017
Rupiah 2,41 3,24 3,38 3,33 3,21 3,14 3,21 3,39 2,79 2,84 2,84 2,75 2,54 2,82 2,69 - Rupiah
Tabungan Saving
Rupiah 2,64 2,89 3,21 3,42 2,78 2,80 2,73 2,95 2,82 2,90 2,75 2,74 2,77 2,83 2,78 - Rupiah
Valas 0,79 0,40 0,39 - - - - - - - - - - - - - Foreign Exchange
Rupiah 9,39 8,79 8,55 8,32 8,07 7,90 7,81 7,85 7,77 7,74 7,65 7,63 7,75 7,69 7,65 Rupiah
Rupiah 10,02 9,33 9,32 8,45 8,90 8,66 8,39 8,21 8,07 8,07 8,05 8,00 8,10 8,14 8,13 Rupiah
Rupiah 9,86 9,46 9,39 9,11 9,15 9,00 8,89 8,78 8,48 8,37 8,39 8,26 8,43 8,45 8,45 Rupiah
Rupiah 9,54 9,67 9,57 9,32 9,43 9,39 9,30 8,91 8,96 8,83 8,87 7,92 8,64 8,56 8,48 Rupiah
55
Persen (Percent)
2016 2017
Rupiah 2,57 2,53 2,84 2,77 2,78 2,76 2,76 2,81 2,72 2,78 2,78 2,62 2,51 2,77 2,65 - Rupiah
Tabungan Saving
Rupiah 2,34 2,37 2,42 2,40 2,47 2,40 2,33 2,36 2,38 2,32 2,31 2,29 2,29 2,34 2,36 - Rupiah
Rupiah 8,57 8,39 8,27 8,12 7,79 7,65 7,54 7,48 7,40 7,35 7,27 7,24 7,40 7,26 7,24 Rupiah
Rupiah 9,58 8,94 8,95 8,70 8,47 8,21 8,00 7,89 7,84 7,77 7,80 7,75 7,81 7,80 7,77 Rupiah
Rupiah 9,70 9,07 9,00 8,84 8,71 8,55 8,37 8,22 8,10 7,97 7,85 7,71 7,82 7,81 7,80 Rupiah
Rupiah 8,89 8,83 8,76 8,64 8,54 8,43 8,37 8,34 8,27 8,22 8,20 8,00 8,11 8,13 8,03 Rupiah
56
Persen (Percent)
2016 2017
Rupiah 2,54 2,46 2,52 2,55 2,56 2,48 2,42 2,44 2,43 2,39 2,38 2,44 2,46 2,54 2,39 - Rupiah
Tabungan Saving
Rupiah 2,74 3,11 3,03 2,93 2,90 2,87 2,79 2,78 2,76 2,69 2,69 2,66 2,64 2,65 2,71 - Rupiah
Rupiah 9,00 8,16 7,76 7,33 7,09 7,01 7,01 6,88 6,82 6,76 6,60 6,48 6,62 6,51 6,52 Rupiah
Rupiah 9,32 8,61 8,45 8,12 7,77 7,53 7,42 7,34 7,26 7,17 7,08 6,97 6,92 6,89 6,95 Rupiah
Rupiah 9,58 8,85 8,81 8,63 8,39 8,17 7,94 7,66 7,43 7,32 7,23 7,16 7,16 7,12 7,05 Rupiah
Rupiah 9,22 8,86 8,79 8,63 8,45 8,35 8,24 8,15 7,84 7,78 7,71 7,61 7,52 7,48 7,32 Rupiah
57
Persen (Percent)
2016 2017
Rupiah 1,90 1,75 1,69 1,70 1,68 1,67 1,72 1,67 1,65 1,66 1,67 1,74 1,96 1,81 1,92 - Rupiah
Tabungan Saving
Rupiah 1,35 1,31 1,28 1,21 1,16 1,17 1,17 1,17 1,18 1,19 1,18 1,19 1,16 1,14 1,18 - Rupiah
Rupiah 7,87 6,65 6,64 6,38 6,24 6,10 6,02 5,94 5,96 5,98 5,88 5,76 5,87 5,86 5,92 Rupiah
Rupiah 8,60 7,04 7,13 7,01 6,91 6,73 6,58 6,52 6,43 6,39 6,38 6,27 6,19 6,17 6,22 Rupiah
Rupiah 8,71 7,34 7,64 7,59 7,56 7,49 7,25 6,79 6,74 6,76 6,61 6,57 6,47 6,40 6,44 Rupiah
Rupiah 8,82 8,34 8,24 8,10 8,06 7,99 7,94 7,91 7,90 7,36 7,05 6,97 6,74 6,65 6,69 Rupiah
58
Tabel 1.56. Bagi Hasil Rata-rata Bank Umum Syariah - BUKU 1

(Average of Interest Rate of Third Party Funds of Commercial Sharia Banks - Group of Business Activities 1)
Persen (Percent)
2016 2017
Rupiah 1,90 1,34 1,45 1,37 1,38 1,60 1,36 1,55 1,37 1,56 1,45 1,52 1,42 1,51 1,39 - Rupiah
Valas 0,18 0,44 0,33 0,50 0,49 0,35 0,36 0,38 0,43 0,42 0,46 0,47 - - - - Foreign Exchange
Tabungan Saving
Rupiah 1,35 2,74 2,59 2,43 2,54 2,02 2,13 2,16 2,09 2,89 2,32 2,21 2,14 2,18 2,29 - Rupiah
Valas 0,22 0,25 0,25 0,25 0,25 0,25 0,25 0,25 0,25 0,25 0,25 0,25 - - - - Foreign Exchange
Rupiah 7,87 7,71 7,15 6,75 6,91 6,55 6,97 7,50 5,93 6,44 6,41 6,51 6,79 6,89 6,87 Rupiah
Valas 1,66 0,25 - - - - - - - - - - - - - Foreign Exchange
Rupiah 8,60 7,60 7,25 6,98 7,07 6,81 7,01 7,36 6,63 6,69 6,62 6,74 6,86 7,18 7,43 Rupiah
Valas 1,42 - - - - - - - - - - - - - - Foreign Exchange
Rupiah 8,71 8,02 7,20 7,09 7,22 7,05 7,07 7,18 6,87 6,65 6,78 6,50 7,02 7,32 7,47 Rupiah
Valas 1,98 - - - - - - - - - - - - - - Foreign Exchange
Rupiah 8,82 7,99 7,52 7,17 7,10 7,03 7,20 7,23 7,00 7,05 6,98 7,05 6,01 6,09 6,04 Rupiah
Valas 1,69 0,25 0,25 0,25 0,25 - - - - - - - - - - Foreign Exchange

59
Tabel 1.57. Bagi Hasil Rata-rata DPK Bank Umum Syariah - BUKU 2
(Average of Interest Rate of Third Party Funds of Commercial Sharia Banks - Group of Business Activities 2 )
Persen (Percent)
2016 2017
Rupiah 1,90 1,39 1,57 1,51 1,58 1,68 1,39 2,29 2,25 2,16 1,19 1,44 1,65 1,72 1,63 - Rupiah
Tabungan Saving
Rupiah 1,35 4,97 4,38 4,51 4,16 4,60 3,95 3,82 3,83 3,58 3,07 2,34 1,68 1,59 1,60 - Rupiah
Rupiah 7,87 7,63 7,12 7,28 6,85 6,56 6,84 6,57 6,56 6,21 6,36 6,45 6,37 5,77 6,23 Rupiah
Rupiah 8,60 9,24 7,60 7,67 7,24 6,78 6,98 6,87 6,81 6,56 6,62 7,13 6,47 6,56 6,29 Rupiah
Rupiah 8,71 7,93 7,39 7,43 7,11 6,75 6,94 6,94 6,96 6,73 6,80 6,71 5,86 5,60 5,41 Rupiah
Rupiah 8,82 7,16 7,01 6,69 6,61 6,42 6,51 6,55 6,57 6,43 6,05 6,42 6,45 6,20 6,05 Rupiah
60
Tabel 1.58. Bagi Hasil Rata-rata DPK Bank Umum Syariah - BUKU 3
(Average of Interest Rate of Third Party Funds of Commercial Sharia Banks - Group of Business Activities 3 )
Persen (Percent)
2016 2017
Rupiah - 0,84 0,84 0,85 0,84 0,84 0,84 0,84 0,84 0,84 0,84 0,84 0,85 0,85 0,85 - Rupiah
Valas - 0,61 0,61 0,61 0,73 0,65 0,67 0,67 0,58 0,58 1,30 0,54 0,63 0,56 0,57 - Foreign Exchange
Tabungan Saving
Rupiah - 2,04 2,45 2,72 1,89 1,73 1,81 1,86 1,83 1,83 1,79 1,81 1,92 1,84 1,69 - Rupiah
Valas - 1,80 1,80 - - - - - - - - - - - - - Foreign Exchange
Rupiah - 6,94 6,60 6,93 6,38 6,44 6,84 6,44 6,33 6,37 6,37 6,44 6,50 6,23 6,38 Rupiah
Valas - 1,50 1,33 1,45 1,02 0,91 0,98 0,93 0,90 0,93 0,93 0,92 0,96 0,93 0,97 Foreign Exchange
Rupiah - 6,61 6,36 6,37 6,32 6,22 6,18 6,17 6,12 6,12 6,12 5,94 5,92 5,88 5,84 Rupiah
Rupiah - 6,08 6,04 6,06 6,05 6,04 6,01 5,99 5,96 5,94 5,94 6,02 6,00 5,98 6,00 Rupiah
Rupiah - 6,14 6,12 6,08 6,05 6,02 6,01 5,96 5,97 5,96 5,96 5,96 6,05 6,03 6,02 Rupiah
61
Tabel 1.59. Perkembangan Jumlah Bank Umum dan Kantor Bank Umum berdasarkan BUKU
(Growth of Total Commercial Banks and Bank Offices based on Group of Business Activities)
2016 2017
Kelompok Bank 2014 2015 Group of Bank
BUKU 1 BUKU 1
Jumlah Bank 42 34 33 32 31 32 29 29 27 27 27 27 25 25 25 Total Banks
Jumlah Kantor 1.615 1323 1301 1260 1200 1.188 1.137 1.140 1.016 1.015 1.014 1.001 919 913 914 Total Bank Offices
BUKU 2 BUKU 2
Jumlah Kantor 3.850 3745 3772 3817 3877 3.902 3.984 3.994 4.140 4.028 4.033 3.965 4.038 4.048 4.052 Total Bank Offices
BUKU 3 BUKU 3
Jumlah Kantor 10.365 10.708 10.693 10.688 10.641 10.566 10.538 10.529 10.507 10.423 10.390 10.428 10.410 10.380 9.724 Total Bank Offices
BUKU 4 BUKU 4
BUKU 1 SYARIAH BUKU 1 SHARIA

Jumlah Kantor 483 272 209 208 181 181 181 180 179 176 174 165 100 100 100 Total Bank Offices

Jumlah Kantor 1.668 996 1.016 1.011 1.016 1.003 986 979 963 1.088 1.079 1.069 1.136 1.140 1.139 Total Bank Offices

Jumlah Bank - 1 1 1 1 1 1 1 1 1 1 1 1 1 1 Total Banks
Jumlah Kantor - 711 689 687 660 648 628 628 622 620 620 620 620 620 620 Total Bank Offices
Total Total
Ket: r) Angka-angka diperbaiki Note: r) revised figures
62
Tabel 1.1.a. Kegiatan Usaha Bank Umum

(Commercial Bank Operations)
2016 2017
Keterangan 2012 2013 2014 2015 Items
a. Kredit Yang Diberikan 2.725.674 3.319.842 3.706.501 4.092.104 3.998.090 4.029.924 4.035.929 4.100.142 4.200.214 4.161.193 4.177.313 4.243.803 4.246.406 4.314.909 4.413.414 4.346.798 4.342.578 a. Credit
- Kepada Pihak Ketiga 2.707.862 3.292.874 3.674.308 4.057.904 3.967.908 4.000.448 4.006.707 4.070.454 4.168.308 4.130.440 4.146.287 4.212.377 4.215.516 4.284.941 4.377.195 4.312.991 4.308.081 - To Third Party
Rupiah 2.281.021 2.720.500 3.057.964 3.423.180 3.367.556 3.406.400 3.424.213 3.465.410 3.574.689 3.538.713 3.555.527 3.617.385 3.614.747 3.643.062 3.736.609 3.665.758 3.680.621 Rupiah
Valas 426.841 572.374 616.345 634.724 600.353 594.049 582.493 605.043 593.619 591.727 591.183 594.991 600.769 641.879 640.585 647.233 627.460 Foreign Exchange
- Kepada Bank Lain 17.812 26.968 32.192 34.200 30.182 29.476 29.223 29.688 31.906 30.753 31.025 31.427 30.441 29.968 36.220 33.807 34.496 - Inter Bank Credit
Rupiah 10.596 16.681 19.100 21.443 18.963 18.316 18.139 18.373 20.417 20.628 19.823 19.955 19.060 18.456 22.983 21.338 22.551 Rupiah
b. Penempatan pada Bank Lain 166.623 171.915 182.432 211.901 197.168 212.549 217.427 214.897 219.545 217.302 208.222 218.065 223.520 217.573 207.050 197.988 203.568 b. Interbank Placement
- Giro 58.212 65.031 70.250 77.840 70.486 70.255 75.774 69.491 84.296 75.623 63.349 82.199 89.904 85.187 78.205 78.848 76.628 - Demand Deposit
- Inter Bank Call Money 76.279 83.549 77.697 104.725 86.307 89.386 87.303 93.906 93.207 90.861 100.405 92.210 87.161 89.373 98.230 80.459 81.762 - Inter Bank Call Money
- Deposito Berjangka 30.370 20.159 29.622 20.692 32.713 45.436 45.466 44.315 32.101 41.355 33.432 29.844 34.932 29.251 16.127 25.128 31.101 - Time Deposits
- Lainnya 1.761 3.176 4.864 8.643 7.662 7.473 8.885 7.185 9.941 9.463 10.984 13.812 11.523 13.762 14.489 13.554 14.078 - Others
c. Penempatan pada Bank Indonesia 580.697 506.453 569.018 685.575 662.649 594.407 546.025 536.597 589.981 552.202 574.662 613.307 593.401 631.911 717.840 653.511 662.785 c. Placement to Bank Indonesia
- Fine Tune Operation (FTO) 198.835 52.034 79.917 158.264 154.137 136.559 131.104 93.239 92.699 111.850 97.502 134.824 157.675 154.849 156.936 180.619 196.911 - Fine Tune Operation (FTO)
- Fasbi 65.431 110.905 123.020 123.177 136.088 122.594 74.409 101.790 133.056 92.644 117.532 117.157 82.705 113.047 185.371 102.958 89.348 - Fasbi
- Lainnya 27.178 20.952 4.493 10.772 4.119 4.983 3.614 3.517 24.399 3.434 2.359 3.562 2.629 6.377 4.806 4.408 5.040 - Others
d. Surat Berharga 429.946 520.642 636.688 660.828 745.492 808.048 848.066 867.027 803.547 845.099 883.785 832.030 884.641 889.763 860.522 910.267 934.484 d. Securitiess
- Sertifikat Bank Indonesia (SBI) 81.158 111.689 113.104 40.017 68.590 93.758 111.453 123.419 102.293 85.991 94.642 84.646 114.215 110.603 96.103 89.575 86.205 - Bank Indonesia Certificates
- Surat Perbendaharaan Negara (SPN) 1.920 17.908 19.418 26.443 23.688 26.971 28.592 28.893 23.638 23.648 24.192 23.802 31.841 34.450 31.352 39.303 42.475 -(SBI)
Treasury Bills
- Obligasi 282.960 323.941 369.849 485.238 510.522 511.317 527.749 543.239 535.646 541.951 566.093 532.376 552.503 563.835 561.963 572.962 580.222 - Bonds
- Lainnya 63.909 67.103 134.316 109.130 142.692 176.001 180.273 171.477 141.969 193.509 198.858 191.205 186.081 180.875 171.104 208.428 225.583 - Others
e. Penyertaan 15.065 15.725 20.984 25.605 25.858 25.872 25.801 26.197 27.037 27.064 27.206 27.579 27.518 28.050 33.889 34.277 34.444 e. Equity Investment
f. Cadangan Kerugian Penurunan 69.931 79.492 90.454 116.540 124.974 126.626 130.036 136.421 135.843 139.911 142.826 144.836 147.554 149.912 153.245 156.818 160.216 f. Impairment on Financial Assets
- Kredit yang diberikan 65.389 73.108 83.240 110.161 118.882 120.542 124.057 130.341 129.650 134.226 137.076 139.180 141.962 144.193 147.470 151.214 154.479 - Credit
- Surat Berharga 2.105 2.290 2.289 1.612 1.604 1.505 1.490 1.508 1.510 1.503 1.525 1.535 1.561 1.614 1.404 1.566 1.745 - Securities
- Lainnya 2.437 4.095 4.926 4.767 4.488 4.579 4.490 4.572 4.683 4.182 4.224 4.121 4.031 4.105 4.371 4.037 3.992 - Others
g. Tagihan Spot dan Derivatif 8.229 26.092 17.483 20.611 21.804 19.452 17.416 17.334 17.614 17.791 15.473 16.636 15.312 16.049 13.693 13.206 12.205 g. Spot and Derivatives Claims
h. Tagihan Lainnya 176.507 183.143 245.350 155.488 216.495 213.705 210.724 199.148 162.529 227.026 201.093 219.705 175.197 186.362 171.250 244.710 245.885 h. Other claims
a. Dana Pihak Ketiga 3.225.198 3.663.968 4.114.420 4.413.056 4.437.515 4.468.955 4.478.409 4.508.452 4.574.671 4.585.381 4.610.130 4.604.579 4.652.658 4.733.977 4.836.758 4.825.336 4.846.420 a. Third Party Funds
Rupiah 2.757.530 3.025.150 3.434.579 3.665.444 3.721.893 3.771.158 3.799.176 3.844.286 3.895.574 3.907.664 3.929.219 3.903.805 3.950.343 4.006.714 4.091.634 4.083.229 4.108.153 Rupiah
Giro 567.801 569.927 605.276 667.537 703.122 739.250 744.254 775.325 772.463 764.962 770.086 762.383 780.439 815.528 821.777 815.577 831.806 Demand Deposit
Tabungan 1.010.488 1.123.696 1.187.559 1.274.588 1.218.231 1.207.544 1.223.028 1.228.244 1.299.796 1.284.658 1.299.497 1.300.848 1.298.098 1.328.103 1.413.351 1.360.244 1.357.460 Saving
Simpanan Berjangka 1.179.242 1.331.527 1.641.743 1.723.319 1.800.540 1.824.364 1.831.894 1.840.717 1.823.315 1.858.045 1.859.635 1.840.574 1.871.805 1.863.083 1.856.507 1.907.408 1.918.887 Time Deposits
Tabungan 66.342 89.011 96.899 121.423 118.578 118.633 116.844 117.815 119.165 123.005 124.291 129.291 130.848 131.554 138.459 136.424 133.156 Saving
Simpanan Berjangka 202.056 272.952 298.633 306.194 284.501 276.575 266.382 260.410 260.121 259.898 265.976 264.510 270.801 288.864 304.208 294.129 310.371 Time Deposits
b. Kewajiban kepada Bank Indonesia 1.864 1.782 2.147 691 813 933 526 866 1.231 1.256 1.012 963 873 832 808 1.724 1.040 b. Liabilities to BI
c. Kewajiban kepada Bank lain 124.697 115.793 132.956 161.094 150.969 165.534 170.145 166.530 160.562 167.180 158.080 165.034 163.334 157.031 168.531 157.321 166.009 c. Interbank Liabilities
d. Surat Berharga yang diterbitkan 42.116 54.450 54.308 65.544 63.614 63.666 62.565 69.019 72.866 71.706 75.251 81.274 82.508 86.540 93.222 86.736 85.647 d. Issued Securities
e. Pinjaman yang Diterima 75.341 112.914 145.853 177.718 164.722 154.077 152.369 155.572 153.696 150.740 147.316 146.717 152.681 163.595 179.671 174.090 175.144 e. Loans received
Rupiah 12.229 16.025 20.350 22.873 22.283 21.009 21.110 20.750 18.389 18.910 18.679 17.110 16.735 16.457 21.734 19.179 20.182 Rupiah
f. Kewajiban Spot dan Derivatif 7.928 29.987 18.880 27.728 26.275 21.886 20.251 22.095 19.639 17.916 15.872 15.643 13.928 17.496 14.302 13.138 11.988 f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup Tagihan 60.342 85.131 120.691 109.623 79.570 79.476 79.729 85.155 114.712 80.877 86.430 154.734 86.701 90.383 100.710 89.142 86.748 g. Other Liabilities
Akseptasi, dan Tagihan atas Surat
Berharga yang dijual dgn janji dibeli
kembali/repo)
h. Setoran Jaminan 5.031 5.993 5.622 6.292 5.186 5.294 5.134 5.155 5.091 4.908 4.784 5.245 4.744 4.892 5.206 4.886 4.876 h. Margin Deposits
a. Modal Disetor 123.279 138.138 153.439 164.270 165.362 165.381 165.481 168.252 170.427 170.990 172.704 172.884 173.044 174.777 176.712 177.192 177.416 a. Paid In Capital
b. Cadangan 38.656 50.619 67.568 81.652 81.927 84.428 86.003 87.970 88.661 88.964 88.953 89.291 64.901 64.925 64.834 65.896 60.798 b. Reserves
c. L/R Tahun lalu 1) 149.971 201.059 256.642 323.763 426.837 412.289 396.016 390.590 387.086 386.234 386.250 385.914 410.327 409.191 411.187 520.715 521.506 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) 92.830 106.707 112.213 104.628 17.947 28.950 37.622 46.009 54.622 64.851 74.579 85.806 95.336 104.104 106.544 10.546 20.142 d. Current Earnings (Profit /Loss) 2)
e. Tambahan modal disetor 89.426 92.638 97.889 96.177 99.848 101.719 102.792 102.703 109.444 112.852 110.779 109.681 108.921 104.755 111.688 113.608 114.631 e. Additional Paid In Capital
f. Modal Pinjaman 31.242 33.551 34.432 40.878 42.759 42.674 42.616 43.005 44.802 45.206 45.323 44.663 45.358 44.767 41.692 43.476 43.445 f. Loan Capital
1) 1)
2) 2)
. Selisih positif dr Seluruh Pendapatan Op. dan Non Op. Dikurangi Beban Op. dan Non Op. Vs Metadata Lama Positive difference of op. income and non op. minus op. expenses and non op. vs old metada
64
Tabel 1.2.a. Kegiatan Usaha Bank Persero

(State Owned Banks Operations)
2016 2017
a. Kredit Yang Diberikan 961.994 1.187.431 1.329.941 1.542.443 1.499.850 1.526.643 1.530.637 1.562.993 1.625.116 1.613.626 1.626.445 1.669.922 1.680.957 1.723.042 1.765.198 1.748.518 1.745.233 a. Credit
- Kepada Pihak Ketiga 959.128 1.181.726 1.325.087 1.536.852 1.494.648 1.521.543 1.525.808 1.558.231 1.620.874 1.609.296 1.621.951 1.664.653 1.675.803 1.718.846 1.759.782 1.744.054 1.740.965 - To Third Party
Rupiah 847.132 1.029.333 1.168.932 1.345.983 1.319.893 1.343.661 1.353.616 1.378.724 1.439.941 1.432.786 1.449.026 1.493.585 1.498.804 1.518.810 1.558.081 1.533.032 1.538.134 Rupiah
Rupiah 2.756 4.099 4.170 4.955 4.223 4.066 3.793 3.701 3.305 3.342 3.236 3.697 3.395 3.239 4.181 3.888 3.734 Rupiah
Valas 111 1.606 684 636 979 1.033 1.036 1.061 936 988 1.259 1.573 1.310 957 1.236 576 534 Foreign Exchange
- Lainnya 0 208 38 348 383 312 488 356 803 613 1.924 2.721 779 2.820 2.324 2.798 2.123 - Others
- Fasbi 18.977 45.050 43.565 19.137 33.357 27.438 12.177 21.348 34.803 18.173 37.549 12.109 15.614 21.476 64.663 21.274 23.515 - Fasbi
- Lainnya 10.611 4.283 925 6.597 0 - 0 0 0 0 0 2 3 2.303 2.000 1 2 - Others
- Surat Perbendaharaan Negara (SB/PN) 124 1.966 4.430 4.989 3.102 4.954 5.306 5.943 3.682 4.010 5.023 4.943 5.737 7.070 5.427 8.385 9.533 -(SBI)
Treasury Bills
- Obligasi 148.758 155.670 173.829 235.192 243.753 240.896 245.249 253.680 253.790 248.289 251.782 225.423 237.152 241.268 245.129 253.540 246.893 - Bonds
- Lainnya 23.757 30.455 31.134 33.334 37.770 44.498 47.630 44.855 34.925 56.993 50.802 51.795 55.460 54.111 53.456 64.380 68.971 - Others
- Surat Berharga 150 172 141 180 182 85 76 69 88 65 71 78 103 125 92 401 394 - Securities
- Lainnya 1.520 1.903 1.940 2.116 2.156 2.241 2.232 2.220 2.272 1.985 2.092 2.223 2.099 2.101 2.265 2.017 1.931 - Others
g. Tagihan Spot dan Derivatif 342 395 246 1.157 1.378 965 723 468 969 1.048 609 1.165 943 899 655 649 651 g. Spot and Derivatives Claims
Rupiah 1.053.025 1.154.063 1.352.573 1.466.987 1.436.335 1.456.404 1.457.922 1.462.602 1.541.727 1.505.079 1.506.517 1.539.574 1.555.566 1.588.669 1.694.406 1.631.023 1.622.149 Rupiah
Tabungan 467.656 533.277 572.294 636.447 592.791 590.728 589.692 591.598 639.367 617.925 626.021 640.379 638.231 658.953 711.441 677.777 669.315 Saving
Tabungan 15.366 22.042 29.565 35.900 33.293 33.326 32.531 33.424 34.920 35.081 34.417 38.218 41.142 39.562 44.049 42.157 40.569 Saving
b. Kewajiban kepada Bank Indonesia 1.437 1.556 2.143 543 619 504 524 863 877 853 925 872 871 830 806 840 852 b. Liabilities to BI
Rupiah 5.988 6.464 7.234 8.770 9.754 9.756 9.746 9.756 6.754 6.754 6.763 6.514 6.256 5.059 6.044 6.035 7.343 Rupiah
f. Kewajiban Spot dan Derivatif 771 3.003 1.569 1.917 1.817 1.329 1.207 2.141 902 870 999 1.068 974 2.122 1.327 887 757 f. Spot and Derivatives Liabilities
kembali/repo)
1) 1)
2) 2)
65
Tabel 1.3.a. Kegiatan Usaha BUSN Devisa

(Foreign Exchange Commercial Banks Operations)
2016 2017
a. Kredit Yang Diberikan 1.123.364 1.321.771 1.492.358 1.609.497 1.644.846 1.647.852 1.649.498 1.665.262 1.692.898 1.673.510 1.679.728 1.687.937 1.682.855 1.697.061 1.763.593 1.725.361 1.728.420 a. Credit
- Kepada Pihak Ketiga 1.114.279 1.311.522 1.481.808 1.596.781 1.633.458 1.637.068 1.638.209 1.653.818 1.679.260 1.659.687 1.665.477 1.674.040 1.669.428 1.684.030 1.747.080 1.710.220 1.711.910 - To Third Party
Rupiah 982.260 1.143.136 1.271.243 1.388.315 1.439.188 1.446.664 1.448.840 1.456.720 1.485.311 1.467.417 1.467.611 1.479.292 1.473.106 1.477.059 1.534.977 1.503.783 1.510.502 Rupiah
Rupiah 6.483 10.065 10.550 12.715 11.388 10.784 11.289 11.444 13.638 13.823 13.165 13.221 12.774 12.354 15.840 14.473 15.843 Rupiah
Valas 2.602 184 - - - - - - - - 663 675 652 678 674 668 667 Foreign Exchange
- Deposito Berjangka 1.322 1.420 2.475 1.536 1.664 1.400 1.030 1.027 1.043 1.061 1.065 570 467 471 345 491 491 - Time Deposits
- Lainnya 972 1.706 3.708 6.199 5.407 5.197 6.224 5.051 7.072 7.090 7.084 8.716 8.914 9.293 10.779 9.333 9.914 - Others
- Fasbi 21.895 37.127 45.936 63.175 33.299 41.014 24.189 36.564 44.277 33.711 32.589 52.131 23.623 43.481 56.450 32.763 26.174 - Fasbi
- Lainnya 10.805 11.795 2.277 3.468 3.512 4.146 2.437 2.360 1.975 2.704 1.904 3.162 2.116 1.707 1.798 2.742 2.734 - Others
Treasury Bills
- Obligasi 90.998 107.381 113.519 148.378 165.649 169.438 183.098 191.702 178.373 192.414 209.466 204.986 210.300 211.003 217.434 220.508 230.826 - Bonds
- Lainnya 22.000 20.051 77.239 44.892 75.249 97.863 95.324 86.336 70.826 100.543 110.935 104.901 98.052 96.359 90.122 115.614 126.137 - Others
- Surat Berharga 1.936 2.105 2.124 1.392 1.380 1.377 1.374 1.399 1.380 1.396 1.410 1.413 1.420 1.448 1.257 1.115 1.297 - Securities
- Lainnya 208 1.429 1.709 2.088 1.690 1.642 1.671 1.720 1.768 1.723 1.668 1.410 1.419 1.495 1.598 1.525 1.512 - Others
Sumber Dana - Source of Funds
Rupiah 1.173.913 1.296.639 1.437.776 1.506.490 1.600.167 1.604.063 1.611.453 1.638.014 1.644.185 1.672.770 1.693.082 1.654.212 1.671.714 1.696.773 1.747.194 1.769.421 1.782.704 Rupiah
Tabungan 433.712 463.249 483.010 488.571 501.826 498.916 509.703 511.842 529.271 533.556 538.564 528.842 527.021 532.283 549.423 547.594 554.831 Saving
Tabungan 27.326 39.614 39.782 55.566 56.364 56.116 54.978 54.890 55.158 57.273 58.878 59.566 59.328 61.024 61.737 61.868 60.730 Saving
b. Kewajiban kepada Bank Indonesia 84 4 2 146 1 1 1 1 1 1 1 81 1 1 1 1 1 b. Liabilities to BI
Rupiah 2.820 4.196 3.831 3.499 5.819 5.559 5.562 5.567 4.899 4.826 5.126 4.224 4.365 4.418 5.267 4.456 4.227 Rupiah
f. Kewajiban Spot dan Derivatif 640 4.526 2.090 3.203 2.896 2.458 2.209 3.082 2.086 1.961 2.008 1.866 1.612 2.492 1.914 1.576 1.132 f. Spot and Derivatives Liabilities
kembali/repo)
1) 1)
2) 2)
66
Tabel 1.4.a. Kegiatan Usaha BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Operations)
2016 2017
a. Kredit Yang Diberikan 90.341 109.303 126.945 132.858 61.004 62.234 62.980 64.456 66.468 62.645 59.361 60.565 61.255 62.090 50.946 50.339 50.939 a. Credit
- Kepada Pihak Ketiga 89.451 108.228 126.001 131.833 60.296 61.561 62.318 63.737 65.700 61.889 58.623 59.833 60.526 61.377 50.163 49.558 50.107 - To Third Party
Rupiah 89.451 108.228 126.001 131.833 60.296 61.561 62.318 63.737 65.700 61.889 58.623 59.833 60.526 61.377 50.163 49.558 50.107 Rupiah
Valas - - - - - - - - - - - - - - - - - Foreign Exchange
- Kepada Bank Lain 890 1.074 944 1.025 708 673 661 718 769 756 738 731 728 713 783 781 831 - Inter Bank Credit
Rupiah 890 1.074 944 1.025 708 673 661 718 769 756 738 731 728 713 783 781 831 Rupiah
- Giro 190 111 599 668 540 513 536 505 614 452 431 480 508 468 541 497 301 - Demand Deposit
- Inter Bank Call Money 1.020 1.786 4.048 4.286 1.207 1.428 1.222 1.029 2.412 746 790 769 585 870 1.790 575 850 - Inter Bank Call Money
- Deposito Berjangka 957 742 1.475 2.324 2.025 2.005 1.687 1.340 1.651 1.160 1.031 1.011 986 1.403 1.253 1.180 1.469 - Time Deposits
- Lainnya 352 437 410 468 398 431 510 311 538 320 337 667 671 719 249 251 242 - Others
- Fine Tune Operation (FTO) 10.479 146 1.845 1.575 298 290 358 337 442 455 475 511 740 845 1.275 1.383 1.910 - Fine Tune Operation (FTO)
- Fasbi 3.203 8.060 13.380 11.110 3.715 4.730 3.787 4.321 3.981 3.728 3.868 4.540 3.241 3.559 4.546 4.221 2.416 - Fasbi
- Lainnya 2.983 3.193 34 37 110 109 107 109 60 11 7 0 19 16 14 7 8 - Others
- Surat Perbendaharaan Negara (SB/PN) 0 34 - 98 - - - - - - - - - - - - - -(SBI)
Treasury Bills
- Obligasi 5.047 4.350 5.502 8.640 5.809 5.565 5.599 5.941 5.809 4.951 4.442 4.531 5.095 5.266 2.256 2.301 2.323 - Bonds
- Lainnya 1.521 1.800 3.978 6.206 3.893 4.381 4.180 4.325 4.384 4.570 5.104 3.853 4.152 4.442 1.900 1.750 2.092 - Others
e. Penyertaan 155 158 750 882 165 165 165 165 165 165 215 215 215 215 0 0 0 e. Equity Investment
f. Cadangan Kerugian Penurunan 1.557 1.525 1.701 1.716 983 996 1.074 1.649 1.119 1.276 1.485 1.342 1.663 1.377 1.339 1.393 1.416 f. Impairment on Financial Assets
- Kredit yang diberikan 1.499 1.517 1.671 1.690 955 967 1.038 1.616 1.083 1.242 1.453 1.309 1.634 1.346 1.300 1.361 1.379 - Credit
- Lainnya 53 4 24 13 14 14 23 20 21 20 18 18 18 20 12 9 12 - Others
g. Tagihan Spot dan Derivatif - - - - - - - - - - - - - - - - - g. Spot and Derivatives Claims
h. Tagihan Lainnya 1.930 8.782 2.990 1.317 1.328 1.712 2.045 2.390 745 2.477 1.521 815 1.189 1.991 1.484 2.156 3.093 h. Other claims
a. Dana Pihak Ketiga 104.346 122.883 141.027 147.143 71.944 73.590 74.820 76.647 78.840 74.168 69.862 69.251 69.619 71.194 55.626 55.326 56.074 a. Third Party Funds
Rupiah 104.346 122.883 141.027 147.143 71.944 73.590 74.820 76.647 78.840 74.168 69.862 69.251 69.619 71.194 55.626 55.326 56.074 Rupiah
Tabungan 12.794 14.402 16.422 17.728 6.626 6.744 6.983 7.104 7.255 7.225 7.336 7.328 7.234 7.562 6.202 6.079 6.113 Saving
Giro - - - - - - - - - - - - - - - - - Demand Deposit
Tabungan - - - - - - - - - - - - - - - - - Saving
Simpanan Berjangka - - - - - - - - - - - - - - - - - Time Deposits
b. Kewajiban kepada Bank Indonesia - - - - - - - - - - - - - - - - - b. Liabilities to BI
d. Surat Berharga yang diterbitkan 5.027 5.363 5.896 3.919 400 487 516 446 591 462 614 1.031 496 1.130 1.232 375 349 d. Issued Securities
e. Pinjaman yang Diterima 1.051 1.875 4.193 3.078 180 180 180 169 169 169 158 158 158 147 148 148 142 e. Loans received
Rupiah 1.051 1.875 4.193 3.078 180 180 180 169 169 169 158 158 158 147 148 148 142 Rupiah
f. Kewajiban Spot dan Derivatif - - - - - - - - - - - - - - - - - f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup Tagihan - 102 - - 7 4 8 7 24 49 8 52 35 49 - - - g. Other Liabilities
kembali/repo)
h. Setoran Jaminan 8 7 9 22 21 20 19 21 24 27 29 32 34 33 30 27 25 h. Margin Deposits
Beberapa komponen modal - - - - Components of Capital
b. Cadangan 257 300 565 641 401 408 414 419 458 455 455 455 455 455 339 327 327 b. Reserves
c. L/R Tahun lalu 1) 4.335 6.776 9.103 11.014 1.233 1.180 1.179 1.173 1.129 1.012 1.809 1.810 1.810 1.810 806 985 997 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) 2.790 3.084 2.316 2.084 86 125 125 (416) 114 (53) (1) 236 30 426 175 104 189 d. Current Earnings (Profit /Loss) 2)
f. Modal Pinjaman 14 608 609 596 596 596 596 596 596 596 597 597 597 597 168 168 168 f. Loan Capital
1) 1)
2)
. Selisih positif dr Seluruh Pendapatan Op. dan Non Op. Dikurangi Beban Op. dan Non Op. Vs Metadata Lama 2) Positive difference of op. income and non op. minus op. expenses and non op. vs old metada
67
Tabel 1.5.a. Kegiatan Usaha BPD

(Regional Development Banks Operations)
2016 2017
Rupiah 217.563 263.597 300.647 328.131 325.280 327.594 332.064 337.775 344.064 344.079 350.971 354.200 355.453 356.775 357.145 349.713 351.748 Rupiah
Valas 1.287 944 809 628 605 595 589 610 832 822 786 753 748 746 714 706 554 Foreign Exchange
- Kepada Bank Lain 357 709 970 983 1.004 1.147 1.153 1.278 1.464 1.410 1.404 1.391 1.413 1.509 1.468 1.494 1.468 - Inter Bank Credit
Rupiah 357 709 970 983 1.004 1.147 1.153 1.278 1.464 1.410 1.404 1.391 1.413 1.509 1.468 1.494 1.468 Rupiah
- Lainnya 349 545 586 1.327 1.243 1.302 1.541 1.344 1.406 1.318 1.639 1.708 1.158 891 1.097 1.132 1.565 - Others
- Fine Tune Operation (FTO) 9.368 200 382 1.051 1.623 1.216 3.035 2.274 1.602 1.692 1.166 333 9.332 5.205 3.065 12.738 16.461 - Fine Tune Operation (FTO)
- Fasbi 10.033 2.546 6.801 6.080 28.927 22.078 16.682 18.165 28.123 13.072 18.466 26.650 18.434 26.117 37.592 24.749 18.167 - Fasbi
- Lainnya 1.413 909 623 298 99 442 641 913 717 719 448 397 299 348 392 686 1.461 - Others
- Surat Perbendaharaan Negara (SB/PN) 49,34430649 100 43 787 998 1.175 1.514 851 827 530 374 388 389 490 383 165 461 -(SBI)
Treasury Bills
- Obligasi 9.590 16.980 17.605 27.355 25.271 25.125 25.709 24.319 22.755 23.001 24.150 23.659 22.869 23.251 21.318 22.947 23.338 - Bonds
- Lainnya 2.383 2.901 4.161 6.902 7.761 8.313 8.947 12.126 12.408 12.035 11.378 11.955 10.933 9.749 9.267 9.498 11.758 - Others
e. Penyertaan 688 693 692 692 693 691 691 1.091 1.091 1.092 1.092 1.092 1.092 1.092 1.092 1.093 1.093 e. Equity Investment
- Lainnya (22) 15 268 266 268 268 266 266 267 269 273 275 275 275 286 278 275 - Others
g. Tagihan Spot dan Derivatif - - - 2 11 0 5 2 1 5 2 0 0 3 2 0 0 g. Spot and Derivatives Claims
Rupiah 277.555 286.021 334.704 353.719 406.514 430.026 450.320 456.951 426.852 445.047 443.523 438.172 438.843 430.280 380.794 409.695 430.681 Rupiah
Tabungan 79.938 95.786 100.903 116.551 98.884 95.446 99.815 100.789 107.158 107.834 108.477 105.773 107.371 111.942 128.691 111.128 108.073 Saving
Valas 980 1.688 1.253 2.881 2.263 2.411 2.408 2.207 2.284 2.102 1.115 1.016 996 1.071 2.736 2.569 1.462 Foreign Exchange
Giro 238 673 368 264 239 223 235 238 242 229 220 200 198 295 270 299 280 Demand Deposit
Tabungan 30 41 46 50 40 38 35 34 36 34 34 35 44 53 111 92 100 Saving
Simpanan Berjangka 711 974 839 2.567 1.984 2.150 2.138 1.935 2.006 1.838 861 781 754 723 2.355 2.178 1.082 Time Deposits
b. Kewajiban kepada Bank Indonesia 5 222 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 b. Liabilities to BI
Rupiah 1.819 1.846 3.150 3.945 3.662 3.134 3.133 2.809 3.108 3.491 3.603 3.206 2.947 3.775 6.053 5.461 5.415 Rupiah
Valas - - 62 - - - - - - - 716 653 652 678 674 668 667 Foreign Exchange
f. Kewajiban Spot dan Derivatif - 0 - - 1 1 3 10 1 3 0 0 0 1 1 0 0 f. Spot and Derivatives Liabilities
g. Kewajiban Lainnya (mencakup Tagihan 2.101 5.051 3.405 5.585 858 798 793 2.271 6.132 1.119 2.558 4.753 1.769 2.896 4.396 1.417 1.304 g. Other Liabilities
kembali/repo)
Beberapa komponen modal - - Components of Capital
c. L/R Tahun lalu 1) 344 377 706 875 10.708 7.997 6.758 4.605 2.266 1.766 968 971 971 879 854 13.463 11.475 c. Retained Earnings (Profit/Loss) 1)
d. L/R Tahun berjalan sesudah pajak 2) 8.946 10.733 9.720 10.595 2.009 3.448 4.218 5.430 6.476 7.618 8.504 9.117 9.903 11.090 11.487 840 2.014 d. Current Earnings (Profit /Loss) 2)
1) 1)
2) 2)
68
Tabel 1.6.a. Kegiatan Usaha Bank Campuran

(Joint Venture Banks Operations)
2016 2017
Rupiah 77.872 95.948 103.039 123.649 121.485 120.510 120.509 121.838 124.424 122.558 121.405 119.893 118.377 121.084 126.854 121.920 121.588 Rupiah
- Kepada Bank Lain 4 152 400 435 367 372 173 174 181 167 170 157 154 56 153 152 151 - Inter Bank Credit
Rupiah 4 152 400 435 367 372 173 174 181 167 170 157 154 56 153 152 151 Rupiah
- Deposito Berjangka 310 379 1.091 1.214 1.178 1.168 665 689 666 661 669 658 658 683 679 673 673 - Time Deposits
- Lainnya 6 279 121 300 228 230 121 122 122 122 - - - 39 39 39 232 - Others
- Fine Tune Operation (FTO) 4.334 968 2.137 6.038 5.589 4.217 5.816 2.650 5.430 8.462 7.070 3.798 4.619 6.985 2.662 7.621 10.111 - Fine Tune Operation (FTO)
- Fasbi 5.554 7.539 5.371 7.249 10.007 6.708 3.814 4.756 9.390 3.466 5.818 3.321 7.959 4.971 8.723 3.318 3.553 - Fasbi
- Lainnya 786 573 111 353 - - - - - - - - - 1.495 555 973 784 - Others
- Surat Perbendaharaan Negara (SB/PN) 278 462 1.998 1.789 1.058 1.523 1.349 2.518 1.321 1.957 1.636 1.120 2.350 2.141 1.981 1.603 1.948 -(SBI)
Treasury Bills
- Obligasi 7.648 6.812 13.190 13.641 15.697 14.908 16.006 13.101 15.057 19.348 20.665 19.519 19.556 20.126 19.308 18.212 20.185 - Bonds
- Lainnya 3.713 3.834 2.888 6.976 7.389 9.058 8.799 9.013 7.912 5.904 5.642 5.677 5.152 4.624 5.640 6.802 6.175 - Others
- Lainnya 146 239 52 101 74 74 78 84 93 83 85 82 86 96 99 85 82 - Others
Rupiah 68.704 80.847 78.962 95.588 97.761 97.581 96.608 99.329 95.967 99.085 101.293 93.530 99.280 103.855 102.675 102.643 101.508 Rupiah
Tabungan 8.529 10.268 7.548 8.340 9.593 8.288 8.679 8.710 8.636 9.234 9.992 9.122 9.491 8.789 9.224 9.135 10.026 Saving
Tabungan 10.763 12.978 13.377 14.767 13.925 13.748 13.296 13.401 13.630 13.128 13.544 14.450 13.629 14.359 16.041 16.082 15.620 Saving
b. Kewajiban kepada Bank Indonesia 336 0 - - 191 426 - - - 185 - - - - - 591 186 b. Liabilities to BI
d. Surat Berharga yang diterbitkan 946 498 546 1.253 1.831 1.750 1.789 1.771 1.750 1.750 1.764 1.751 1.751 1.625 1.598 1.598 1.598 d. Issued Securities
Rupiah 552 1.645 1.942 3.581 2.867 2.380 2.490 2.449 3.459 3.669 3.029 3.008 3.008 3.058 4.221 3.079 3.054 Rupiah
kembali/repo)
d. L/R Tahun berjalan sesudah pajak 2) 3.448 4.538 4.219 1.793 677 797 1.162 1.427 1.611 2.035 2.225 2.437 2.830 3.188 3.160 377 884 d. Current Earnings (Profit /Loss) 2)
e. Tambahan modal disetor 333 2.231 1.564 2.033 2.163 2.236 2.253 2.203 2.214 2.279 2.291 2.285 2.262 2.117 2.138 2.218 2.204 e. Additional Paid In Capital
1) 1)
2) 2)
69
Tabel 1.7.a. Kegiatan Usaha Bank Asing

(Foreign Owned Banks Operations)
2016 2017
Rupiah 66.742 80.257 88.101 105.269 101.413 106.410 106.867 106.615 115.248 109.985 107.891 110.582 108.480 107.956 109.390 107.751 108.541 Rupiah
Rupiah 107 581 2.067 1.329 1.273 1.274 1.071 1.059 1.060 1.130 1.110 759 595 585 558 550 524 Rupiah
- Deposito Berjangka - - - - - - - - - - - - - - - - - - Time Deposits
- Lainnya 82 1 0 0 2 0 0 1 1 1 0 1 1 1 1 0 1 - Others
- Fine Tune Operation (FTO) 11.603 0 5.883 14.957 19.919 16.177 15.904 13.326 8.629 14.172 19.241 13.727 14.366 10.454 7.992 8.926 12.141 - Fine Tune Operation (FTO)
- Fasbi 5.769 10.583 7.967 16.427 26.784 20.626 13.760 16.636 12.481 20.494 19.243 18.407 13.835 13.443 13.397 16.634 15.522 - Fasbi
- Lainnya 580 199 523 20 399 285 430 135 0 0 0 1 192 509 47 0 51 - Others
Treasury Bills
- Obligasi 20.918 32.748 46.205 52.032 54.343 55.384 52.088 54.496 59.863 53.948 55.589 54.258 57.532 62.920 56.520 55.454 56.657 - Bonds
- Lainnya 10.535 8.062 14.915 10.820 10.629 11.887 15.392 14.821 11.515 13.464 14.998 13.024 12.333 11.589 10.719 10.384 10.449 - Others
- Lainnya 532 505 932 184 285 341 220 261 261 102 88 113 133 118 112 124 179 - Others
Rupiah 79.987 84.697 89.537 95.517 109.172 109.494 108.053 110.743 108.002 111.515 114.941 109.065 115.321 115.944 110.939 115.123 115.037 Rupiah
Tabungan 7.858 6.713 7.382 6.951 8.512 7.423 8.156 8.201 8.109 8.883 9.107 9.404 8.751 8.574 8.370 8.532 9.103 Saving
Tabungan 12.857 14.336 14.129 15.141 14.956 15.404 16.004 16.067 15.421 17.489 17.419 17.021 16.705 16.557 16.520 16.226 16.136 Saving
b. Kewajiban kepada Bank Indonesia 3 0 0 0 - - 0 - 352 216 84 8 - - - - r) - b. Liabilities to BI
c. Kewajiban kepada Bank lain 19.839 18.278 23.600 26.198 30.401 28.989 31.008 29.995 29.615 31.682 30.256 33.978 32.001 29.965 27.708 27.828 r) 31.443 c. Interbank Liabilities
d. Surat Berharga yang diterbitkan 0 0 - - - - - - - - - - - - - - - d. Issued Securities
e. Pinjaman yang Diterima 0 0 1.239 - - - 4 - - - - - - - - - - e. Loans received
Rupiah 0 0 - - - - - - - - - - - - - - - Rupiah
Valas 0 0 1.239 - - - 4 - - - - - - - - - - Foreign Exchange
kembali/repo)
h. Setoran Jaminan 511 608 585 664 593 727 693 679 632 602 579 1.093 586 604 570 587 571 h. Margin Deposits
b. Cadangan 0 0 - - - - - - - - - - - - - - - b. Reserves
d. L/R Tahun berjalan sesudah pajak 2) 5.137 6.121 8.724 5.166 1.392 2.785 3.336 3.703 4.932 5.864 6.532 7.435 8.338 8.164 8.418 897 1.506 d. Current Earnings (Profit /Loss) 2)
e. Tambahan modal disetor 56 (300) (81) (386) (78) 46 36 12 65 247 234 165 95 (415) (147) 12 (23) e. Additional Paid In Capital
f. Modal Pinjaman 0 0 - - - - - - - - - - - - - - - f. Loan Capital
1) 1)
2) 2)
r)
Angka-angka diperbaiki r) Revised figures
70
Tabel 1.8.a. Laporan Laba / Rugi Bank Umum

Commercial Banks Income Statements
2016 2017
1. Pendapatan bunga 391.280 458.188 568.014 646.614 111.869 168.507 223.326 280.195 339.057 394.702 451.557 508.731 596.810 621.715 681.460 61.630 115.936 1. Interest Income
a. Dari Bank Indonesia 9.979 8.056 7.816 7.620 1.091 1.632 2.169 2.504 2.966 3.453 3.896 4.294 4.772 5.296 5.990 764 1.302 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 4.373 5.535 6.846 8.026 1.244 1.812 2.436 3.063 3.602 4.142 4.625 5.012 5.586 6.166 6.667 580 1.050 b. From interbank placement
c. Dari surat berharga 24.027 26.305 37.215 42.746 7.743 11.972 16.465 21.220 25.581 29.798 34.189 38.731 43.578 47.988 52.404 4.640 9.040 c. From securities
d. Dari Kredit yang diberikan 279.847 331.606 403.926 450.988 79.317 118.995 157.387 196.859 235.891 274.816 314.063 354.565 425.480 433.211 474.705 43.320 80.206 d. From credit
- kepada pihak ketiga bukan bank 278.874 330.353 402.163 448.959 78.973 118.440 156.657 195.918 234.823 273.556 312.620 352.952 423.590 431.242 472.391 43.083 79.790 - To Third Party non Bank
- kepada bank lain 973 1.253 1.763 2.029 344 555 730 941 1.069 1.259 1.443 1.613 1.891 1.969 2.314 238 417 - To other Bank
e. Lainnya 73.054 86.686 112.211 137.234 22.474 34.096 44.870 56.549 71.017 82.492 94.784 106.129 117.394 129.054 141.694 12.326 24.337 e Others
2. Beban Bunga 183.713 215.134 293.842 338.259 58.123 86.450 113.593 141.753 172.458 199.803 228.343 254.634 313.376 309.884 338.622 32.606 58.914 2. Interest Expenses
a. Kepada Bank Indonesia 611 620 562 477 76 115 152 190 229 268 306 346 386 430 447 7 12 a. Bank Indonesia Liabilites
b. Kewajiban pada Bank lain 2.644 3.843 4.613 6.486 1.207 1.800 2.373 2.942 3.567 4.142 4.656 5.321 5.816 6.328 6.924 665 1.205 b. Interbank Liabilities
c. Kepada pihak ketiga bukan Bank 100.507 116.392 172.936 187.208 29.899 45.352 60.044 75.020 89.311 103.935 118.809 132.348 146.731 160.727 174.977 14.712 28.194 c. Third Party non Bank
- Tabungan 18.492 19.231 24.317 22.410 3.999 5.926 7.671 9.522 11.337 13.221 15.315 17.097 18.981 20.801 22.743 1.969 3.832 - Saving
- Simpanan Berjangka 70.601 84.903 135.003 149.940 23.475 35.740 47.391 59.164 70.279 81.716 93.180 103.661 114.815 125.595 136.415 11.167 21.389 - Time deposits
d. Surat Berharga 5.155 5.882 6.993 7.956 1.298 1.915 2.656 3.174 3.834 4.496 5.171 5.859 6.639 7.417 8.227 823 1.529 d. Securities
e. Pinjaman yang diterima 2.452 2.488 3.502 4.334 1.007 1.509 2.013 2.649 3.440 3.619 4.122 4.694 5.288 5.765 6.327 1.065 1.151 e. Loans received
f. Lainnya 71.516 85.131 104.298 130.259 21.915 33.112 43.733 55.276 69.839 81.160 93.225 103.958 115.689 127.113 139.706 12.056 23.684 f. Others
g. Koreksi atas pendapatan bunga 828 779 939 1.540 2.721 2.647 2.622 2.500 2.237 2.184 2.054 2.109 2.103 2.105 2.015 3.278 3.139 g. Corrections
B Pendapatan Bunga Bersih (A1-A2) 207.568 243.054 274.171 308.355 53.746 82.057 109.734 138.443 166.599 194.899 223.214 254.096 283.434 311.830 342.838 29.024 57.022 B. Net Interest Income (A1-A2)
.
C Pendapatan dan Beban Operasional Lain C. Other Operating Income and Expenses
. 1. Pendapatan Operasional Selain Bunga 125.557 139.655 148.439 210.957 56.956 81.203 92.817 105.179 129.111 141.277 160.254 181.286 193.128 199.952 249.691 37.822 52.308 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan 9.929 4.206 6.306 5.584 1.395 2.569 3.490 3.831 4.750 6.154 7.043 8.017 8.469 8.557 8.875 822 1.550 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan 17 127 239 49 - - - - - - - - 390 390 390 - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan 12 29 55 0 101 149 125 62 94 127 158 160 185 36 39 69 115 c. Increase in fair value and gain
d. Keuntungan Transaksi Spot dan Derivatif 32.261 58.608 50.757 107.699 28.821 41.368 46.382 50.840 63.147 68.188 77.378 89.447 90.228 95.897 101.314 10.662 15.801 d. Gain from spot and derivative
e. Deviden, keuntungan penyertaan equity 38.537 44.908 54.203 57.923 8.914 14.564 19.543 24.819 30.657 35.330 40.623 45.890 51.079 56.489 63.817 5.284 10.300 transaction
e. Deviden, gain from investment in
shares
f. Lainnya 44.800 31.777 36.879 39.702 17.710 22.554 23.276 25.627 30.463 31.478 35.051 37.772 42.777 47.140 75.256 20.986 24.405 f Others
2. Beban Operasional Selain Beban Bunga 218.409 251.154 278.849 386.114 88.013 127.211 155.546 187.558 226.978 254.126 289.760 327.737 354.585 388.812 456.244 53.241 83.486 2. Non Interest Expense
a. Penurunan Nilai Wajar dan kerugian 5.710 2.964 2.577 2.853 559 512 673 734 747 1.004 1.405 1.537 1.927 2.581 2.474 207 406 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian 123 0 68 263 0 24 39 55 63 79 89 97 98 139 144 0 39 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian 5 2 1 32 5 8 9 13 15 17 21 22 22 24 26 12 14 c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 26.045 48.690 43.873 98.122 27.226 38.319 42.469 47.650 57.459 61.335 69.955 80.733 80.594 86.536 101.792 9.657 14.030 d. Losses from spot and derivative
e. Penyusutan/Amortisasi 52.385 51.583 64.153 97.213 28.440 39.754 46.985 56.970 68.537 76.168 84.953 95.478 105.462 115.185 146.623 26.635 35.743 transaction
e. Depreciation/Amortizations
f. Kerugian penyertaan equity method, 2.622 2.611 3.509 3.113 503 859 1.082 1.261 1.578 1.749 1.967 2.205 2.471 2.885 3.201 288 578 f Losses from investment in shares with
komisi/provisi/fee, administrasi equity method, fees/comissions/
g. Lainnya 131.519 145.304 164.669 184.517 31.279 47.734 64.290 80.875 98.579 113.774 131.369 147.665 164.013 181.462 201.984 16.441 22.916 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 114.715 131.555 143.761 133.198 22.689 36.049 47.004 56.064 68.731 82.050 93.708 107.645 121.977 131.528 136.311 13.605 25.844 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 21.929 26.040 25.225 24.080 3.959 5.817 7.801 10.208 7.856 9.071 11.115 12.334 14.299 17.345 20.712 3.195 6.773 E. Non Operational Income
F. Beban non - operasional 17.133 20.432 25.394 23.757 3.853 5.334 7.169 8.043 6.697 8.068 9.444 11.358 14.059 15.573 19.555 3.360 6.869 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 4.796 5.608 (169) 323 106 483 632 2.165 1.159 1.003 1.670 975 240 1.772 1.157 (165) (95) G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 119.512 137.162 143.591 133.521 22.795 36.532 47.636 58.229 69.890 83.053 95.378 108.620 122.217 133.300 137.467 13.440 25.749 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi 56.698 64.661 66.264 66.405 19 34 39 46 54 68 76 76 77 84 67.017 7 (1) I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 57.793 66.088 67.023 66.967 117 138 175 195 198 270 338 362 380 563 67.431 7 41 J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 92.830 106.707 112.160 104.628 17.947 28.950 37.622 46.009 54.622 64.851 74.608 85.806 95.336 104.104 106.544 10.546 20.142 K. Profit/Loss After Estimation of tax
penghasilan)
*). Angka-angka sementara *) Provisional figures
71
Tabel 1.9.a. Laporan Laba / Rugi Bank Persero

(State Owned Banks Income Statements)
2016 2017
a. Dari Bank Indonesia 2.937 1.933 2.027 1.590 220 317 398 455 534 614 672 746 834 934 1.042 182 277 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 1.323 1.557 1.771 1.719 341 508 655 780 909 1.051 1.157 1.275 1.397 1.522 1.713 180 321 b. From interbank placement
- kepada bank lain 234 246 351 371 59 85 108 179 158 183 207 225 346 273 338 30 54 - To other Bank
b. Kewajiban pada Bank lain 439 748 1.058 1.890 340 532 728 926 1.176 1.364 1.532 1.864 1.980 2.166 2.377 246 467 b. Interbank Liabilities
- Giro 3.837 3.706 4.213 4.527 851 1.273 1.671 2.093 2.551 2.998 3.473 3.950 4.451 4.969 5.579 718 1.305 - Demand Deposit
- Tabungan 6.777 7.482 8.197 8.170 1.636 2.357 2.989 3.648 4.300 4.972 5.820 6.493 7.203 7.916 8.649 757 1.507 - Saving
d. Surat Berharga 1.220 1.253 1.556 1.977 328 482 744 796 984 1.162 1.329 1.511 1.777 2.004 2.278 295 481 d. Securities
e. Pinjaman yang diterima 1.265 1.242 1.630 1.894 600 860 1.185 1.627 2.209 2.203 2.524 2.851 3.259 3.552 3.918 847 749 e. Loans received
g. Koreksi atas pendapatan bunga 808 778 937 1.539 2.720 2.633 2.572 2.439 2.151 2.076 1.922 1.968 1.990 1.994 1.894 3.247 3.106 g. Corrections
. Pendapatan dan Beban Operasional Lain
C C. Other Operating Income and Expenses
a. Peningkatan Nilai Wajar dan keuntungan 5.149 1.081 2.114 1.104 187 414 644 707 939 1.193 1.478 1.800 2.004 2.031 2.123 148 320 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - - b. Increase in fair value and gain
penjualan kredit yang diberikan - - - form sale of credit
c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - 0 - c. Increase in fair value and gain
e Deviden, keuntungan penyertaan equity 14.985 18.250 21.513 25.711 4.073 7.038 9.127 11.310 14.109 16.213 18.626 21.097 23.450 26.103 29.179 2.509 4.911 transaction
shares
a. Penurunan Nilai Wajar dan kerugian 3.766 767 1.405 319 73 17 13 21 17 40 53 95 116 152 147 15 39 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 2.940 3.595 3.567 5.008 1.683 2.374 3.033 5.145 5.222 5.483 6.123 6.640 7.104 8.843 19.048 810 1.123 d. Losses from spot and derivative
e Penyusutan/Amortisasi 26.429 19.075 22.986 36.187 15.768 19.546 22.517 26.384 32.880 34.179 38.190 42.926 46.022 50.024 69.712 19.359 23.954 transaction
f. Kerugian penyertaan equity method, 732 656 761 793 155 251 357 377 471 512 546 599 653 701 768 60 123 f Losses from investment in shares with
E. Pendapatan non - operasional 3.183 2.789 3.463 2.596 459 611 759 941 1.053 1.170 2.116 2.183 1.258 1.427 1.487 12 32 E. Non Operational Income
F. Beban non - operasional 386 612 190 279 138 160 219 37 325 389 1.199 1.291 1.315 1.048 1.145 44 103 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 2.798 2.177 3.274 2.317 320 450 539 904 728 781 917 892 (57) 378 342 (32) (71) G. Non Operational Profit (E - F)
I. Penerimaan Transfer Laba/Rugi 26.113 33.198 34.975 30.688 - - - - - - - - - - 28.412 - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 26.113 33.198 34.975 30.688 - - - - - - - - - - 28.412 - - J. Transfer of Profit/Loss to Head Office
penghasilan)
*). Angka-angka sementara *) Provisional figures
72
Tabel 1.10.a. Laporan Laba / Rugi BUSN Devisa

(Foreign Exchange Commercial Banks Income Statements)
2016 2017
a. Dari Bank Indonesia 3.981 3.577 3.303 3.478 512 768 1.054 1.182 1.411 1.638 1.882 2.099 2.351 2.639 3.052 361 638 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 675 762 1.029 1.149 310 422 508 599 708 822 948 1.080 1.197 1.318 1.510 176 308 b. From interbank placement
- kepada bank lain 599 828 1.098 1.203 212 311 405 504 606 722 833 941 1.052 1.159 1.394 160 270 - To other Bank
b. Kewajiban pada Bank lain 1.199 1.601 1.531 2.163 370 554 745 927 1.107 1.290 1.460 1.593 1.756 1.911 2.105 168 303 b. Interbank Liabilities
- Giro 3.911 4.458 5.034 5.403 867 1.317 1.761 2.225 2.712 3.182 3.685 4.161 4.643 5.168 5.736 543 1.038 - Demand Deposit
- Tabungan 9.309 9.375 13.645 11.648 1.936 2.935 3.846 4.830 5.792 6.782 7.804 8.787 9.748 10.640 11.708 987 1.901 - Saving
d. Surat Berharga 2.489 3.106 3.807 4.184 729 1.069 1.407 1.750 2.102 2.476 2.854 3.240 3.636 4.032 4.535 397 792 d. Securities
e. Pinjaman yang diterima 565 562 869 972 188 299 380 469 560 643 722 856 940 1.016 1.083 79 148 e. Loans received
g. Koreksi atas pendapatan bunga 0 0 - 0 0 13 50 61 85 106 130 136 112 107 119 31 33 g. Corrections
a. Peningkatan Nilai Wajar dan keuntungan 1.834 1.194 1.588 1.706 545 833 1.195 1.339 1.609 1.968 2.194 2.598 2.830 2.993 3.301 305 540 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan - - - 49 - - - - - - - - - - - - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan 10 29 - - 0 - - - - - - 2 5 8 11 14 14 c. Increase in fair value and gain
e Deviden, keuntungan penyertaan equity 14.598 17.375 22.272 21.783 3.364 5.179 7.232 9.486 11.475 13.395 15.384 17.258 19.215 21.116 24.579 1.959 3.786 transaction
method, komisi/provisi/fee shares with equity method,
a. Penurunan Nilai Wajar dan kerugian 426 706 340 328 214 207 241 274 278 290 376 390 432 551 549 46 104 a. Decrease in fair value and losses form
b. Penurunan Nilai Wajar dan kerugian - - - 95 - - 5 9 7 8 8 5 5 5 5 - 38 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian 5 2 - - - - - - - - 1 - - - - 11 11 c. Decrease in fair value and losses
e Penyusutan/Amortisasi 17.278 22.716 27.830 40.487 10.295 15.604 18.272 22.280 25.977 31.050 33.998 38.246 43.788 48.322 57.894 5.491 8.441 transaction
f. Kerugian penyertaan equity method, 686 646 1.111 818 124 277 279 347 414 467 548 610 694 925 1.011 94 180 f Losses from investment in shares with
E. Pendapatan non - operasional 15.751 18.912 18.660 17.433 2.875 4.317 5.821 7.773 4.813 5.590 6.450 7.278 8.190 9.079 10.017 915 1.790 E. Non Operational Income
F. Beban non - operasional 15.124 17.382 22.602 19.428 3.241 4.597 6.138 7.026 5.131 6.190 6.627 8.222 9.007 8.839 10.707 1.092 1.939 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 628 1.530 (3.941) (1.994) (366) (279) (317) 747 (318) (599) (177) (944) (817) 240 (690) (177) (149) G. Non Operational Profit (E - F)
penghasilan)
73
Tabel 1.11.a. Laporan Laba / Rugi BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Income Statements)
2016 2017
a. Dari Bank Indonesia 536 692 747 608 41 65 89 116 139 164 178 200 222 241 222 26 47 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 96 113 206 244 57 79 98 115 131 151 150 163 180 194 168 15 25 b. From interbank placement
c. Dari surat berharga 564 601 893 1.051 109 169 230 294 361 426 412 468 523 583 344 33 66 c. From securities
d. Dari Kredit yang diberikan 15.286 18.313 21.475 22.194 1.601 2.460 3.265 4.101 4.968 5.878 6.157 6.959 7.839 8.672 7.955 737 1.426 d. From credit
- kepada pihak ketiga bukan bank 15.204 18.196 21.348 22.075 1.585 2.435 3.233 4.060 4.918 5.818 6.088 6.881 7.752 8.577 7.851 727 1.405 - To Third Party non Bank
e. Lainnya 10.740 12.759 15.283 15.629 679 1.063 1.400 1.788 2.139 2.506 2.265 2.326 2.582 2.837 2.161 199 388 e Others
2. Beban Bunga 17.226 21.052 27.227 27.513 1.725 2.649 3.507 4.425 5.293 6.196 6.003 6.509 7.230 7.938 5.968 546 1.054 2. Interest Expenses
a. Kepada Bank Indonesia 0 0 1 0 - - 0 0 0 0 0 0 0 0 0 - - a. Bank Indonesia Liabilites
b. Kewajiban pada Bank lain 163 274 321 239 36 53 70 85 100 116 109 121 135 150 126 12 20 b. Interbank Liabilities
c. Kepada pihak ketiga bukan Bank 6.043 7.509 10.994 10.993 988 1.501 1.996 2.503 2.995 3.506 3.562 3.985 4.424 4.852 3.678 331 638 c. Third Party non Bank
- Tabungan 389 421 415 434 40 62 83 104 125 147 154 176 197 218 150 14 28 - Saving
- Simpanan Berjangka 5.507 6.893 10.329 10.369 928 1.409 1.874 2.350 2.811 3.289 3.348 3.740 4.148 4.547 3.455 311 600 - Time deposits
d. Surat Berharga 444 553 586 450 18 27 36 44 55 64 73 82 91 99 4 2 3 d. Securities
e. Pinjaman yang diterima 87 146 199 343 3 4 5 6 7 9 10 11 11 12 13 3 4 e. Loans received
f. Lainnya 10.489 12.571 15.126 15.488 681 1.064 1.399 1.786 2.135 2.500 2.250 2.307 2.568 2.825 2.146 198 388 f. Others
g. Koreksi atas pendapatan bunga 0 0 0 0 0 0 0 0 0 0 0 3 0 0 0 - 0 g. Corrections
B Pendapatan Bunga Bersih (A1-A2) 9.995 11.426 11.377 12.212 763 1.187 1.577 1.989 2.444 2.928 3.159 3.607 4.116 4.588 4.882 465 897 B. Net Interest Income (A1-A2)
. 1. Pendapatan Operasional Selain Bunga 1.184 1.397 2.081 1.989 254 368 476 515 1.152 1.132 1.278 1.564 1.604 1.994 1.834 80 181 1. Other Operating Income
a. Peningkatan Nilai Wajar dan keuntungan 104 96 40 104 36 59 79 92 113 132 147 130 136 146 8 1 0 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan - - 4 - - - - - - - - - - - - - - b. Increase in fair value and gain
penjualan kredit yang diberikan - form sale of credit
c. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - c. Increase in fair value and gain
d. Keuntungan Transaksi Spot dan Derivatif 2 3 2 2 0 0 1 1 1 1 1 1 1 1 1 0 0 d. Gain from spot and derivative
e Deviden, keuntungan penyertaan equity 340 390 819 807 53 88 125 166 205 233 215 276 306 342 162 13 26 transaction
shares
f. Lainnya 738 909 1.216 1.075 164 221 271 257 834 766 915 1.157 1.161 1.505 1.663 67 154 f Others
2. Beban Operasional Selain Beban Bunga 7.751 8.840 10.303 11.215 900 1.379 1.858 2.832 3.369 3.930 4.238 4.693 5.405 5.835 6.228 412 833 2. Non Interest Expense
b. Penurunan Nilai Wajar dan kerugian - - 3 - - 0 - - - - - - - - - - 0 b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 d. Losses from spot and derivative
e Penyusutan/Amortisasi 1.503 1.591 2.203 2.617 270 430 572 1.200 1.389 1.602 1.986 2.129 2.524 2.618 2.930 127 255 transaction
f Kerugian penyertaan equity method, 3 18 53 47 4 4 5 5 6 6 7 8 8 9 10 0 1 f Losses from investment in shares with
g. Lainnya 6.230 7.210 8.042 8.545 623 942 1.278 1.624 1.971 2.317 2.242 2.550 2.870 3.204 3.286 284 279 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 3.428 3.983 3.156 2.986 117 176 195 (328) 227 131 199 477 315 747 489 133 245 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 139 255 119 82 10 15 19 24 28 32 37 40 41 46 61 4 8 E. Non Operational Income
F. Beban non - operasional 94 151 173 163 11 18 23 28 39 44 47 52 57 69 65 3 7 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 46 103 (54) (82) (2) (3) (4) (5) (10) (12) (10) (12) (17) (23) (5) 0 1 G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 3.474 4.086 3.102 2.904 115 173 191 (332) 217 119 189 465 298 724 484 134 245 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi 4.354 4.779 350 4.337 - - - - - - - - - - 1.333 - - I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 4.354 4.779 350 4.358 - - - - - - - - - - 1.333 - - J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 2.790 3.084 2.316 2.084 86 125 125 (416) 114 (6) (1) 236 30 426 175 104 189 K. Profit/Loss After Estimation of tax
penghasilan)
*) Angka-angka sementara *)
Provisional figures
74
Tabel 1.12.a. Laporan Laba / Rugi BPD

(Regional Development Banks Income Statements)
2016 2017
a. Dari Bank Indonesia 1.470 812 896 1.020 110 165 232 281 341 407 449 456 504 590 683 91 159 a. From Bank Indonesia Placement
b. Dari Penempatan pada bank lain 1.663 2.333 2.946 3.772 392 603 863 1.129 1.370 1.570 1.808 1.868 2.073 2.259 2.399 128 257 b. From interbank placement
c. Dari surat berharga 1.407 1.715 2.284 3.166 575 890 1.234 1.627 1.961 2.252 2.622 2.908 3.209 3.535 3.773 249 495 c. From securities
- Giro 2.757 2.977 2.995 3.559 493 771 1.112 1.469 1.778 2.055 2.330 2.550 2.811 3.049 3.253 202 404 - Demand Deposit
- Tabungan 1.621 1.620 1.712 1.829 330 488 641 797 949 1.118 1.302 1.371 1.530 1.693 1.871 176 331 - Saving
e. Pinjaman yang diterima 158 112 170 209 33 70 86 102 132 147 166 193 206 219 239 24 43 e. Loans received
g. Koreksi atas pendapatan bunga 20 1 2 1 0 0 0 0 0 1 1 1 1 3 2 0 0 g. Corrections
. 1. Pendapatan Operasional Selain Bunga 5.652 4.360 5.822 5.718 892 1.534 2.029 2.530 3.410 3.971 4.533 5.099 5.671 6.221 7.077 560 1.368 1. Other Operating Income
b. Peningkatan Nilai Wajar dan keuntungan 17 3 3 - - - - - - - - - - - - - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan 2 - - 0 0 - - - - - - - - - - - 1 c. Increase in fair value and gain
d. Keuntungan Transaksi Spot dan Derivatif 90 130 204 251 54 71 85 114 149 158 181 199 204 213 216 11 16 d. Gain from spot and derivative
e Deviden, keuntungan penyertaan equity 1.000 1.034 1.089 1.232 193 291 393 532 755 806 950 1.029 1.135 1.249 1.431 105 227 transaction
shares
f. Lainnya 4.180 3.077 4.412 3.832 545 984 1.288 1.604 2.126 2.501 2.873 3.272 3.731 4.114 4.732 401 1.039 f Others
b. Penurunan Nilai Wajar dan kerugian - 0 - - - - - - - - - - - - - - - b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian - - - 0 - 0 0 - 0 - 0 0 0 0 0 0 0 c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 75 92 178 210 50 67 78 104 134 141 161 178 182 188 195 9 13 d. Losses from spot and derivative
e Penyusutan/Amortisasi 3.592 4.180 6.375 5.875 1.124 1.444 2.110 2.636 3.107 3.601 4.114 4.757 5.498 5.735 6.484 951 1.601 transaction
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 10.327 12.426 11.609 12.276 2.411 3.981 4.959 6.352 7.609 8.956 9.929 10.626 11.618 13.011 13.534 966 2.336 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 926 1.349 1.620 2.556 286 453 642 826 1.016 1.212 1.411 1.567 3.436 5.371 7.491 2.143 4.604 E. Non Operational Income
F. Beban non - operasional 791 1.089 1.506 2.442 328 442 642 804 1.018 1.237 1.403 1.580 3.460 5.400 7.402 2.139 4.598 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 135 260 114 114 (42) 11 (0) 22 (2) (25) 7 (13) (24) (28) 89 4 6 G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 10.462 12.686 11.723 12.390 2.369 3.992 4.959 6.374 7.607 8.931 9.936 10.613 11.593 12.983 13.623 970 2.342 H. Current Year profit
K. Jumlah laba/rugi bersih (setelah taksiran pajak 8.946 10.733 9.667 10.595 2.009 3.448 4.218 5.430 6.476 7.618 8.504 9.117 9.903 11.090 11.487 840 2.014 K. Profit/Loss After Estimation of tax
penghasilan)
75
Tabel 1.13.a. Laporan Laba / Rugi Bank Campuran

(Joint Venture Banks Income Statements)
2016 2017
c. Dari surat berharga 864 869 1.031 1.539 253 402 555 716 871 1.030 1.197 1.372 1.550 1.787 1.972 184 359 c. From securities
e. Lainnya 4.883 5.295 4.163 6.200 1.232 1.738 2.146 2.657 2.991 3.451 3.924 4.347 4.761 5.195 5.638 465 851 e Others
a. Kepada Bank Indonesia 0 0 0 0 0 0 0 0 0 0 0 0 0 4 4 - 0 a. Bank Indonesia Liabilites
c. Kepada pihak ketiga bukan Bank 3.973 4.697 5.170 6.984 1.159 1.744 2.283 2.827 3.322 3.834 4.351 4.830 5.309 5.800 6.300 495 941 c. Third Party non Bank
- Tabungan 258 238 254 220 39 58 75 94 111 131 152 174 194 213 232 21 39 - Saving
- Simpanan Berjangka 3.458 4.174 4.560 6.330 1.053 1.583 2.068 2.556 3.000 3.455 3.916 4.338 4.761 5.191 5.627 430 821 - Time deposits
e. Pinjaman yang diterima 292 408 580 868 182 272 349 433 513 597 680 762 849 938 1.041 106 198 e. Loans received
f. Lainnya 4.876 5.222 3.931 6.045 1.196 1.687 2.082 2.577 2.906 3.345 3.804 4.220 4.625 5.045 5.492 437 810 f. Others
g. Koreksi atas pendapatan bunga - - - - - - - - - - - - - - - - - g. Corrections
B Pendapatan Bunga Bersih (A1-A2) 7.384 8.690 9.646 10.816 1.867 2.854 3.740 4.734 5.658 6.649 7.619 8.546 9.510 10.436 11.428 990 1.874 B. Net Interest Income (A1-A2)
b. Peningkatan Nilai Wajar dan keuntungan - - - - - - - - - - - - - - - - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan - - 55 0 1 1 1 1 6 6 6 6 6 6 6 - 0 c. Increase in fair value and gain
e Deviden, keuntungan penyertaan equity 2.112 2.393 2.500 2.552 393 614 833 1.045 1.261 1.448 1.696 2.006 2.267 2.497 2.739 224 460 transaction
shares
f. Lainnya 575 383 492 837 81 168 255 276 374 434 415 440 485 559 639 76 214 f Others
b. Penurunan Nilai Wajar dan kerugian - - - - - - - - - - - - - - - - - b. Decrease in fair value and losses
c. Penurunan Nilai Wajar dan kerugian - - 1 32 5 8 9 13 14 17 19 22 22 24 26 2 3 c. Decrease in fair value and losses
d. Kerugian Transaksi Spot dan Derivatif 3.821 7.395 5.973 6.827 2.542 4.550 5.025 5.171 6.542 7.324 7.746 8.584 5.455 8.384 8.963 872 1.136 d. Losses from spot and derivative
e Penyusutan/Amortisasi 1.659 2.082 2.217 5.229 615 1.411 1.672 2.058 2.590 2.928 3.345 3.759 4.052 4.338 5.045 354 546 transaction
g. Lainnya 4.944 5.502 5.636 6.580 1.082 1.663 2.194 2.769 3.392 3.910 4.474 5.081 5.629 6.160 6.883 546 678 g. Others
D. Laba/Rugi Operasional (A1 + C1) - (A2 + C2) 4.466 5.545 6.189 3.346 772 903 1.342 1.735 1.816 2.366 2.685 2.974 3.425 3.890 3.834 530 1.181 D. Operating Profit/loss (A1+C1) - (A2+C2)
E. Pendapatan non - operasional 509 1.526 168 487 219 258 314 285 513 554 509 608 657 604 755 45 198 E. Non Operational Income
F. Beban non - operasional 340 1.082 678 1.140 127 109 113 108 140 164 125 169 173 161 172 80 220 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 169 443 (510) (653) 91 149 201 177 372 390 384 439 484 443 582 (36) (23) G. Non Operational Profit (E - F)
H. Laba/Rugi tahun berjalan sebelum pajak 4.635 5.988 5.679 2.693 863 1.052 1.543 1.912 2.189 2.756 3.069 3.413 3.909 4.334 4.417 494 1.159 H. Current Year profit
I. Penerimaan Transfer Laba/Rugi (80) 22 54 170 22 32 41 51 59 66 66 64 63 62 61 (3) (7) I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat (80) 22 54 170 22 32 41 51 59 66 66 64 63 62 61 (3) (7) J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 3.448 4.538 4.219 1.793 677 797 1.162 1.427 1.611 2.035 2.225 2.437 2.830 3.188 3.160 377 884 K. Profit/Loss After Estimation of tax
penghasilan)
76
Tabel 1.14.a. Laporan Laba / Rugi Bank Asing

(Foreign Owned Banks Income Statements)
2016 2017
c. Dari surat berharga 2.122 2.381 3.782 4.603 771 1.219 1.634 2.120 2.565 2.990 3.452 3.882 4.292 4.747 5.171 426 829 c. From securities
e. Lainnya 349 882 688 606 140 196 219 261 287 319 356 433 435 483 565 90 70 e Others
2. Beban Bunga 3.874 4.943 5.718 7.105 1.138 1.727 2.254 2.790 3.282 3.790 4.313 4.825 5.332 5.846 6.362 489 924 2. Interest Expenses
a. Kepada Bank Indonesia 0 0 0 17 0 0 0 0 0 0 0 1 1 2 2 - - a. Bank Indonesia Liabilites
b. Kewajiban pada Bank lain 400 404 618 1.078 177 264 325 399 466 543 591 682 759 828 881 49 94 b. Interbank Liabilities
c. Kepada pihak ketiga bukan Bank 2.553 3.112 4.073 4.707 753 1.151 1.516 1.869 2.181 2.506 2.870 3.191 3.515 3.841 4.176 314 608 c. Third Party non Bank
- Tabungan 139 95 94 109 17 27 37 49 59 71 83 95 108 120 133 14 27 - Saving
- Simpanan Berjangka 1.908 2.380 3.212 3.854 610 933 1.221 1.499 1.738 1.990 2.305 2.554 2.809 3.057 3.306 236 446 - Time deposits
e Pinjaman yang diterima 84 18 54 48 2 6 9 12 18 20 21 22 23 28 33 5 9 e. Loans received
f. Lainnya 837 1.337 806 937 143 211 275 341 413 482 553 616 683 757 838 80 134 f. Others
g. Koreksi atas pendapatan bunga - - - - - - - - - - - - - - - - - g. Corrections
a. Peningkatan Nilai Wajar dan keuntungan 2.206 1.612 2.106 2.095 433 853 1.065 1.118 1.330 1.814 2.156 2.281 2.286 2.187 2.179 262 479 a. Increase in fair value and gain
b. Peningkatan Nilai Wajar dan keuntungan - 124 232 0 - - - - - - - 390 390 390 - - b. Increase in fair value and gain
c. Peningkatan Nilai Wajar dan keuntungan - - - - 100 148 124 61 88 121 152 152 173 22 22 55 101 c. Increase in fair value and gain
e Deviden, keuntungan penyertaan equity 5.502 5.467 6.010 5.837 838 1.354 1.833 2.279 2.851 3.236 3.752 4.224 4.706 5.182 5.727 475 891 transaction
shares
f. Lainnya 569 527 822 622 344 552 593 665 735 727 880 1.121 1.023 1.293 1.314 218 619 f Others
a Penurunan Nilai Wajar dan kerugian 1.242 1.256 680 1.460 160 185 280 267 250 384 660 680 915 1.230 1.122 105 187 a. Decrease in fair value and losses form
b Penurunan Nilai Wajar dan kerugian 123 - 65 168 0 24 35 46 56 71 80 93 93 134 139 0 1 b. Decrease in fair value and losses
c Penurunan Nilai Wajar dan kerugian - - 0 - - - - - - - - - - - - - - c. Decrease in fair value and losses
e Penyusutan/Amortisasi 1.923 1.939 2.542 6.817 758 1.319 1.842 2.412 2.593 2.808 3.320 3.661 3.577 4.148 4.559 352 947 transaction
f Kerugian penyertaan equity method, 790 832 1.012 930 132 187 264 315 418 454 518 592 673 748 862 88 182 f Losses from investment in shares with
g Lainnya 8.708 9.254 10.143 11.377 1.898 2.878 3.802 4.767 5.747 6.675 7.698 8.589 9.547 10.889 11.834 996 1.528 g. Others
E. Pendapatan non - operasional 1.419 1.210 1.194 926 111 162 246 359 433 513 592 658 717 818 901 75 142 E. Non Operational Income
F. Beban non - operasional 398 116 245 305 7 8 33 39 44 45 43 45 45 56 63 1 1 F. Non Operational Expenses
G. Laba/Rugi non-operasional (E - F) 1.021 1.094 949 620 105 154 213 320 389 469 548 613 672 762 838 74 141 G. Non Operational Profit (E - F)
I. Penerimaan Transfer Laba/Rugi 39 100 78 25 (3) 2 (2) (5) (5) 3 11 12 14 22 25 9 6 I. Transfser Profit / Loss Received
J. Transfer Laba/Rugi ke Kantor Pusat 835 1.338 612 607 95 106 134 144 139 205 273 298 317 501 403 9 49 J. Transfer of Profit/Loss to Head Office
K. Jumlah laba/rugi bersih (setelah taksiran pajak 5.137 6.121 8.724 5.166 1.392 2.785 3.336 3.703 4.932 5.864 6.532 7.435 8.338 8.164 8.418 897 1.506 K. Profit/Loss After Estimation of tax
penghasilan)
77
Tabel 1.15.a. Rekening Administratif Bank Umum

( Commercial Banks Off-Balance Sheet)
2016 2017
Tagihan Komitmen 275.380 397.024 472.959 511.743 488.685 570.287 568.022 581.239 592.871 578.815 582.509 577.514 608.162 702.093 628.115 659.830 650.985 Commited Claims
- Fasilitas pinjaman yang belum ditarik 16.205 32.430 24.710 38.641 20.634 22.157 20.243 19.044 17.231 18.915 21.604 18.746 21.205 18.109 20.586 21.143 20.003 - Unused borrowing
- Posisi pembelian spot dan derivatif yang 254.545 359.454 440.874 468.916 462.482 541.420 541.591 552.611 564.506 551.171 551.502 547.413 575.977 672.783 597.813 625.990 623.228 - Outstanding spot and derivatives
- Lainnya (Others) 4.630 5.140 7.376 4.185 5.569 6.711 6.188 9.583 11.134 8.730 9.403 11.355 10.980 11.201 9.715 12.697 7.754 - Others
Kewajiban Komitmen 1.154.122 1.314.773 1.678.723 1.821.506 1.831.055 1.874.255 1.876.535 1.919.003 1.871.902 1.890.689 1.925.004 1.929.448 1.986.711 2.092.951 1.983.571 2.098.903 2.052.430 Commited Liabilities
- Fasilitas kredit kepada nasabah yang 817.271 1.013.477 1.137.501 1.219.520 1.245.534 1.236.144 1.242.369 1.258.171 1.222.208 1.245.786 1.265.878 1.277.526 1.310.319 1.323.554 1.304.240 1.392.096 1.354.004 - Undisbursed loan facilities
Committed 265.664 301.472 297.369 275.413 292.622 292.911 294.974 296.882 283.527 296.272 298.963 298.811 309.958 312.749 298.509 316.492 324.558 - Committed
Uncommitted 551.608 712.005 840.132 944.107 952.912 943.233 947.394 961.289 938.681 949.514 966.915 978.715 1.000.361 1.010.805 1.005.731 1.075.603 1.029.446 - Uncommitted
- Fasilitas kredit kepada bank lain yang 5.911 8.384 7.868 7.534 11.665 13.242 13.939 13.459 11.904 11.077 12.586 13.125 14.294 15.219 12.370 13.804 13.268 - Undisbursed loan facilities
Belum ditarik to other banks
Uncommitted 4.301 7.328 6.335 6.469 9.586 10.331 11.558 11.030 10.301 9.543 10.562 11.186 12.083 13.321 10.789 11.032 11.418 - Uncommitted
- Irrevocable L/C yang masih berjalan 73.439 95.196 74.274 69.516 57.049 62.178 59.755 60.237 61.763 64.200 64.928 66.500 65.829 70.810 66.353 65.111 64.502 - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang 255.717 360.465 454.203 520.465 509.997 553.195 552.956 578.322 567.180 561.520 559.136 564.116 589.985 676.488 594.212 619.090 610.479 - Outstanding spot and
- Lainnya 1.785 10.515 4.877 4.471 6.809 9.496 7.516 8.814 8.846 8.104 22.476 8.181 6.284 6.880 6.397 8.802 10.177 - Others
Tagihan Kontinjensi 199.692 260.029 284.281 308.392 312.916 309.306 306.656 318.593 306.017 305.557 326.696 322.787 317.877 329.675 334.875 327.837 304.431 Contingent Claims
- Garansi yang diterima 173.136 229.328 244.456 265.333 268.262 264.421 260.791 271.155 258.698 257.310 277.535 275.457 270.174 281.470 288.776 280.526 256.692 - Received guarantees
- Pendapatan bunga dalam penyelesaian 25.849 29.696 36.327 39.402 40.768 40.952 41.932 43.453 43.371 44.275 45.186 43.189 43.671 44.350 42.161 43.223 43.600 - Accrued interest
- Lainnya 706 1.005 3.498 3.657 3.887 3.934 3.932 3.985 3.947 3.971 3.975 4.142 4.032 3.855 3.938 4.089 4.139 - Others
Kewajiban Kontijensi 183.675 232.345 249.737 302.459 269.727 268.900 265.700 276.106 275.130 271.615 282.222 283.239 287.847 295.981 304.665 286.218 284.710 Contingent Liabilities
- Garansi yang diberikan 180.788 229.089 247.851 297.391 267.702 267.016 263.817 274.241 272.987 269.755 280.469 281.422 285.671 294.002 302.542 284.394 282.278 - Issued guarantees
- Lainnya 2.888 3.255 1.886 5.069 2.024 1.883 1.883 1.865 2.143 1.860 1.754 1.817 2.176 1.978 2.124 1.824 2.431 - Others
Lainnya 191.889 216.548 237.956 274.066 270.823 275.533 272.472 277.747 282.157 285.006 289.087 293.803 294.302 300.510 309.064 312.057 313.033 Others
- Penerusan Kredit 24.576 27.375 23.301 23.059 23.260 20.975 14.488 14.074 13.673 13.622 13.676 12.693 9.549 9.466 9.441 9.418 9.392 - Channelling
- Aset produktif yang dihapusbukukan 159.833 180.184 195.932 230.274 224.758 232.201 234.449 239.632 244.246 247.062 252.119 257.662 260.981 267.107 274.724 277.659 278.343 - Written off earning assets
Kredit yang diberikan 144.316 162.254 187.325 219.484 214.088 220.820 223.131 228.152 232.970 235.302 240.730 246.197 249.515 255.452 262.748 265.464 266.184 - Credit disbursed
Lainnya 15.517 17.930 8.607 10.790 10.670 11.381 11.318 11.480 11.276 11.759 11.389 11.465 11.467 11.655 11.976 12.195 12.160 - Others
- Aset produktif yang dihapustagih 7.480 8.988 18.723 20.733 22.804 22.358 23.535 24.041 24.238 24.323 23.292 23.448 23.771 23.937 24.900 24.980 25.297 - Charged off earning assets
Lainnya 567 605 6.840 6.433 7.391 7.339 7.387 7.325 7.336 7.336 7.370 7.360 7.325 7.329 7.343 7.337 7.332 - Others
78
Tabel 1.16.a. Rekening Administratif Bank Persero

(State Owned Banks Off-Balance Sheet)
2016 2017
- Fasilitas pinjaman yang belum ditarik - - 1.239 4.136 4.012 3.978 3.956 4.098 - - - - - - - - - - Unused borrowing
- Lainnya (Others) - - 630 332 425 211 211 360 475 358 372 472 151 343 459 352 316 - Others
Kewajiban Komitmen 240.565 280.015 419.249 340.858 353.914 369.438 369.624 364.449 365.725 381.846 375.457 396.969 423.863 423.802 413.368 463.432 453.808 Commited Liabilities
- Fasilitas kredit kepada nasabah yang 193.478 206.070 236.079 266.256 277.177 276.048 275.496 274.337 274.552 282.328 281.730 289.921 307.661 299.532 309.129 325.541 325.757 - Undisbursed loan facilities
- Fasilitas kredit kepada bank lain yang 211 95 53 84 207 215 203 176 110 151 142 326 423 427 442 403 386 - Undisbursed loan facilities
Committed 72 63 39 80 116 124 115 107 43 65 60 50 63 53 36 46 53 - Committed
Uncommitted 140 32 14 4 91 90 88 69 67 86 82 276 360 374 407 357 334 - Uncommitted
- Lainnya 14 373 4 3 3 3 2 2 2 2 2 2 5 2 2 2 2 - Others
- Lainnya 438 650 3.202 3.114 3.286 3.102 3.128 3.125 3.078 3.071 3.089 3.110 3.172 2.991 3.099 3.112 3.125 - Others
- Lainnya 248 302 470 560 573 493 480 544 541 494 504 506 598 481 510 519 516 - Others
Lainnya 121.735 132.532 138.372 152.581 145.983 147.446 141.892 143.723 146.021 147.200 149.835 150.023 148.164 152.415 154.101 155.566 155.136 Others
Lainnya 3.312 3.771 3.513 3.578 3.571 3.712 3.712 3.719 3.712 3.710 3.713 3.710 3.708 3.714 3.711 3.710 3.710 - Others
- Aset produktif yang dihapustagih 94 120 123 137 130 129 129 134 130 130 132 130 130 135 135 129 129 - Charged off earning assets
Kredit yang diberikan 94 120 123 137 130 129 129 134 130 130 132 130 130 135 135 129 129 - Credit disbursed
Lainnya - - - - - - - - - - - - - - - - - - Others
79
Tabel 1.17.a. Rekening Administratif BUSN Devisa

(Foreign Exchange Commercial Banks Off-Balance Sheet)
2016 2017
- Lainnya (Others) 2.183 1.484 1.065 658 1.181 2.797 2.051 2.162 4.026 1.610 2.320 2.467 1.948 2.004 983 3.094 2.412 - Others
Committed 1.140 883 1.234 750 1.727 2.564 2.056 2.093 1.348 1.262 1.745 1.677 1.922 1.703 1.464 2.640 1.692 - Committed
Uncommitted 1.094 800 1.142 1.131 1.193 1.281 1.595 1.907 1.537 1.251 1.344 1.757 2.205 2.786 1.739 1.781 1.846 - Uncommitted
- Lainnya 82 7.849 1.509 1.311 2.577 5.307 3.377 4.156 3.981 3.556 3.413 4.088 2.032 2.557 2.153 4.201 5.052 - Others
- Lainnya 126 256 136 124 110 314 267 310 313 319 302 445 300 307 303 443 452 - Others
- Lainnya 2.512 2.423 1.087 1.281 1.257 1.225 1.239 1.144 1.435 1.206 1.109 1.153 1.234 1.192 1.221 1.099 1.417 - Others
Lainnya 46.937 55.939 65.737 79.401 85.095 87.535 88.514 89.849 91.296 92.638 94.583 98.213 99.744 101.337 105.395 106.225 107.077 Others
Lainnya 11.655 13.218 4.661 6.674 6.560 7.046 7.038 7.197 7.021 7.509 7.142 7.124 7.119 7.271 7.564 7.686 7.684 - Others
- Aset produktif yang dihapustagih 6.351 7.253 16.537 18.072 19.232 19.313 19.563 19.707 20.119 20.210 20.434 20.536 20.719 20.907 21.077 21.162 21.261 - Charged off earning assets
Lainnya 567 605 6.831 6.337 7.299 7.247 7.294 7.233 7.244 7.244 7.278 7.268 7.233 7.237 7.251 7.245 7.240 - Others
80
Tabel 1.18.a. Rekening Administratif BUSN Non Devisa

(Non-Foreign Exchange Commercial Banks Off-Balance Sheet)
2016 2017
Tagihan Komitmen 18 25 24 5 3 7 4 3 5 4 3 3 3 2 3 - - Commited Claims
- Fasilitas pinjaman yang belum ditarik - - - - - - - - - - - - - - - - - - Unused borrowing
- Posisi pembelian spot dan derivatif yang - - - - - - - - - - - - - - - - - - Outstanding spot and derivatives
masih berjalan - (purchased)
- Lainnya (Others) 18 25 24 5 3 7 4 3 5 4 3 3 3 2 3 - - Others
- Irrevocable L/C yang masih berjalan - - - 4 - 4 - - 2 - - 3 3 3 - - - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang - - - - - - - - - - - - - - - - - - Outstanding spot and
masih berjalan - derivatives (sold)
- Lainnya 29 27 30 49 47 52 64 54 17 12 46 27 21 17 28 15 19 - Others
Tagihan Kontinjensi 309 327 363 553 461 479 558 641 647 647 338 320 290 317 231 231 195 Contingent Claims
- Garansi yang diterima - - - - - - - - - - - - - - - - - Received guarantees
- Pendapatan bunga dalam penyelesaian 303 318 362 540 448 467 545 629 634 634 337 318 288 315 221 228 192 - Accrued interest
- Lainnya 6 9 1 13 13 12 12 13 13 13 2 2 2 2 10 3 3 - Others
Kewajiban Kontijensi 374 387 551 1.932 1.413 1.493 1.467 1.568 1.732 1.878 1.861 2.070 2.151 2.053 1.806 1.675 1.506 Contingent Liabilities
- Garansi yang diberikan 289 324 466 1.842 1.333 1.426 1.399 1.482 1.648 1.801 1.798 1.998 2.091 1.999 1.756 1.623 1.439 - Issued guarantees
- Lainnya 85 63 85 90 80 67 68 85 84 76 63 72 60 54 50 51 67 - Others
Lainnya 2.255 3.103 4.012 5.505 1.323 1.396 1.405 1.458 1.681 1.658 1.087 1.176 1.319 1.266 1.117 1.086 1.106 Others
- Penerusan Kredit 82 81 85 85 50 50 50 50 50 50 50 50 50 50 50 50 49 - Channelling
- Aset produktif yang dihapusbukukan 1.761 2.404 3.211 4.529 1.252 1.327 1.335 1.388 1.610 1.592 1.022 1.071 1.144 1.176 1.009 981 1.005 - Written off earning assets
Kredit yang diberikan 1.612 2.166 3.206 4.524 1.251 1.325 1.334 1.386 1.608 1.591 1.021 1.070 1.142 1.175 1.009 981 1.005 - Credit disbursed
Lainnya 149 239 5 5 1 2 1 1 1 1 1 1 1 1 0 0 0 - Others
Lainnya - - - - - - - - - - - - - - - - - - Others
81
Tabel 1.19.a. Rekening Administratif BPD

(Regional Development Banks Off-Balance Sheet)
2016 2017
- Fasilitas pinjaman yang belum ditarik 77 80 80 84 83 75 83 83 83 83 84 87 85 85 86 87 87 - Unused borrowing
- Posisi pembelian spot dan derivatif yang 10 366 0 441 1.296 854 2.265 1.244 329 1.830 1.319 272 842 853 1.309 297 354 - Outstanding spot and derivatives
- Lainnya (Others) 2.340 3.228 3.377 3.093 3.878 3.626 3.630 3.998 3.761 3.741 3.776 3.822 4.086 3.968 3.870 4.529 4.458 - Others
- Irrevocable L/C yang masih berjalan 865 817 399 443 151 142 133 169 182 123 150 153 164 179 168 156 166 - Current Irrevocable L/C
- Posisi penjualan spot dan derivatif yang 39 219 37 480 997 125 1.631 968 605 1.894 1.527 378 679 688 1.268 166 314 - Outstanding spot and
- Lainnya 1.196 1.629 2.607 2.607 3.504 3.537 3.478 3.773 3.351 3.635 18.166 3.500 3.773 3.715 3.885 3.939 4.025 - Others
- Lainnya 118 81 146 398 470 497 516 529 535 560 571 575 547 544 515 519 548 - Others
- Lainnya 1 376 244 131 114 98 97 91 83 83 77 83 283 250 342 154 431 - Others
Lainnya 7.310 8.540 9.784 12.730 13.015 13.671 13.776 13.942 14.374 14.503 15.223 15.490 15.849 15.982 16.799 16.900 16.967 Others
Lainnya 236 383 266 371 375 460 405 401 380 379 371 469 478 482 493 560 532 - Others
Lainnya - - 9 4 0 - - - - - - - - - - - - - Others
82
Tabel 1.20.a. Rekening Administratif Bank Campuran

(Joint Venture Banks Off-Balance Sheet)
2016 2017
- Lainnya (Others) 84 381 2.270 96 83 70 47 3.060 2.752 2.998 2.931 4.590 4.735 4.883 4.400 4.723 530 - Others
Committed 4 10 8 - - 0 0 0 0 1 1 1 1 0 0 0 1 - Committed
- Lainnya 215 366 611 261 318 269 254 521 579 607 491 289 178 282 73 397 601 - Others
- Pendapatan bunga dalam penyelesaian 246 346 509 751 757 710 743 768 784 846 878 907 946 1.016 1.024 1.010 1.051 - Accrued interest
- Lainnya 4 2 6 - - - - - - - - - - - - - - - Others
- Lainnya 42 91 - 0 0 0 0 1 0 1 1 3 2 0 0 0 0 - Others
Lainnya 3.753 5.334 6.575 9.245 9.827 9.826 10.544 11.963 12.284 12.373 11.581 11.937 12.249 12.512 13.098 13.316 13.566 Others
- Penerusan Kredit 0 0 0 0 0 0 0 0 0 0 0 0 - - - - - Channelling
Lainnya 153 153 10 10 10 10 10 10 10 10 10 10 10 32 53 82 82 - Others
- Aset produktif yang dihapustagih 247 435 468 502 1.025 490 1.411 1.760 2.069 2.063 802 815 847 865 1.092 1.131 1.342 - Charged off earning assets
Kredit yang diberikan 247 435 468 502 1.025 490 1.411 1.760 2.069 2.063 802 815 847 865 1.092 1.131 1.342 - Credit disbursed
Lainnya - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 - Others
83
Tabel 1.21.a. Rekening Administratif Bank Asing

(Foreign Owned Banks Off-Balance Sheet)
2016 2017
- Fasilitas pinjaman yang belum ditarik 8.192 13.996 14.243 18.610 - - - - - - - - - - - - - - Unused borrowing
- Lainnya (Others) 4 21 10 - - - - - 115 18 - - 58 - 0 - 39 - Others
Committed 338 33 156 59 67 66 65 80 76 66 88 86 86 10 0 - 11 - Committed
- Lainnya 249 271 117 240 359 328 341 307 916 291 357 276 274 308 257 248 479 - Others
- Pendapatan bunga dalam penyelesaian 187 98 161 407 441 475 534 584 617 642 708 721 772 815 555 581 755 - Accrued interest
- Lainnya 13 8 7 8 8 8 8 9 9 9 10 10 10 11 11 12 11 - Others
- Lainnya - - - 3.007 0 - - - - - - - - 1 1 - 0 - Others
Lainnya 9.899 11.100 13.477 14.604 15.578 15.998 16.341 16.811 16.502 16.634 16.778 16.964 16.976 16.997 18.555 18.965 19.181 Others
- Penerusan Kredit - - - - - - - - - - - - - - - - - - Channelling
Lainnya 12 166 151 151 151 151 151 151 151 151 151 151 151 156 156 156 151 - Others
- Aset produktif yang dihapustagih 223 450 757 1.016 2.285 2.294 2.301 2.307 1.787 1.791 1.797 1.800 1.837 1.853 2.425 2.391 2.402 - Charged off earning assets
Kredit yang diberikan 223 450 757 924 2.193 2.202 2.209 2.215 1.695 1.699 1.705 1.707 1.745 1.761 2.333 2.299 2.310 - Credit disbursed
Lainnya - - - 92 92 92 92 92 92 92 92 92 92 92 92 92 92 - Others
***) Angka-angka sangat-sangat sementara ***) Estimated figures

84
Tabel 1.22.a. Kinerja Bank Umum Konvensional

(Commercial Banks Performance)
2016 2017
17,43 18,13 19,57 21,39 21,93 22,00 21,95 22,41 22,56 23,19 23,26 22,60 23,19 23,04 22,93 23,21 23,18 Capital Adequacy Ratio (%)
Minimum (%)
- Modal 496.629 626.888 754.174 914.657 938.203 948.063 951.422 984.035 1.009.113 1.027.173 1.036.925 1.018.067 1.038.877 1.045.429 1.052.597 1.073.127 1.072.136 - Capital
- ATMR 2.849.997 3.458.404 3.854.234 4.276.555 4.277.359 4.308.867 4.334.008 4.391.700 4.473.377 4.429.093 4.458.188 4.505.480 4.479.622 4.538.006 4.589.611 4.623.547 4.626.026 - Risk Weighted Assets
Rasio Modal Inti terhadap ATMR (%) 15,60 16,36 18,01 19,00 19,39 19,42 19,46 19,85 20,04 20,56 20,71 20,89 21,46 21,32 21,19 21,37 21,55 Core Capital Ratio to ATMR (%)
- Modal Inti (Tier I) 444.545 565.774 694.198 812.590 829.248 836.686 843.332 871.816 896.383 910.664 923.507 941.080 961.359 967.359 972.350 988.255 996.739 - Core Capital (Tier I)
ROA (%) 3,11 3,08 2,85 2,32 2,29 2,44 2,38 2,34 2,31 2,35 2,36 2,38 2,41 2,37 2,23 2,46 2,35 Return On Assets Ratio (%)
- Laba sebelum pajak 117.103 134.571 142.769 132.601 135.059 144.273 141.210 139.406 138.230 141.042 142.033 143.531 145.636 143.913 136.048 158.770 152.003 - Profit
- Rata-rata total aset 3.761.912 4.365.364 5.004.089 5.703.813 5.897.521 5.916.572 5.929.530 5.949.975 5.982.755 6.004.095 6.024.319 6.028.224 6.047.242 6.073.446 6.106.959 6.458.310 6.476.002 - Average total assets
BOPO (%) 74,10 74,08 76,29 81,49 84,22 82,96 82,30 82,36 82,23 81,37 81,31 81,02 81,26 80,64 82,22 83,94 81,69 Operating Expenses/Operating Income (%)
- Biaya Operasional 321.357 368.460 446.217 569.141 119.536 173.129 215.798 261.165 314.471 354.959 404.611 455.279 525.190 542.162 624.173 70.015 113.452 - Operating Expenses
- Pendapatan Operasional 433.678 497.384 584.887 698.404 141.926 208.701 262.220 317.094 382.450 436.236 497.629 561.950 646.323 672.322 759.146 83.413 138.882 - Operating Income
NIM (%) 5,49 4,89 4,23 5,39 5,47 5,55 5,56 5,60 5,59 5,59 5,59 5,65 5,65 5,62 5,63 5,39 5,28 Net Interest Margin Ratio (%)
- Pendapatan bunga bersih 200.338 233.841 260.940 293.824 310.370 316.062 317.252 320.066 321.005 321.836 322.686 326.399 327.610 327.475 329.913 333.768 327.945 - Interest income net
- Rata-rata total aset produktif 3.648.741 4.782.557 6.161.761 5.449.642 5.676.905 5.694.262 5.702.201 5.718.817 5.740.023 5.758.195 5.776.471 5.780.206 5.797.848 5.823.223 5.854.786 6.191.395 6.209.181 - Average total earning assets
LDR (%) 83,58 89,70 89,42 92,11 89,50 89,60 89,52 90,32 91,19 90,18 90,04 91,71 90,77 90,70 90,70 89,59 89,12 Loan to Deposits Ratio (%)
Total Kredit kepada pihak ketiga bukan
- 2.597.026 3.158.099 3.526.364 3.903.936 3.816.156 3.847.481 3.853.274 3.914.732 4.010.165 3.973.867 3.989.665 4.040.397 4.042.217 4.110.389 4.199.713 4.138.608 4.133.456 - Total Credit to third party
Bank
- Total Dana Pihak Ketiga 3.107.385 3.520.616 3.943.697 4.238.349 4.263.681 4.294.176 4.304.273 4.334.098 4.397.620 4.406.613 4.431.197 4.405.603 4.453.197 4.531.645 4.630.352 4.619.553 4.637.991 - Total Third Party Funds
Rasio Aset Likuid (%) 18,45 15,77 16,24 16,70 17,40 17,96 17,74 17,71 17,72 16,34 16,78 16,49 17,27 17,20 17,50 17,81 18,20 Liquid Assets Ratio (%)
- Aset Likuid Primer 616.043 589.158 686.023 736.720 739.015 787.248 766.707 773.470 802.188 720.875 730.638 746.111 777.163 794.818 837.433 854.417 892.692 - Aset Likuid Primer
- Aset Likuid Sekunder 142.989 163.506 192.598 251.623 289.115 282.493 292.029 294.890 287.060 280.907 304.013 280.295 297.109 294.609 296.098 295.926 289.443 - Aset Likuid Sekunder
- Total Aset 4.115.003 4.773.892 5.410.098 5.919.390 5.908.754 5.954.674 5.968.404 6.031.753 6.146.653 6.132.137 6.165.885 6.223.751 6.218.768 6.335.493 6.475.602 6.458.310 6.493.693 - Total Assets
Ket: Data tidak termasuk BUS
85
Tabel 1.23.a. Kinerja Bank Persero Konvensional

(State Owned Banks Performance)
2016 2017
Minimum (%)
- Modal 166.297 198.288 235.019 305.497 318.688 316.273 337.068 344.168 364.661 374.285 374.336 359.343 377.733 378.204 380.581 387.578 376.220 - Capital
- 959.128 1.181.726 1.325.087 1.536.852 1.494.648 1.521.543 1.525.808 1.558.231 1.620.874 1.609.296 1.621.951 1.664.653 1.675.803 1.718.846 1.759.782 1.744.054 1.537.666 - Total Credit to third party
Bank
86
Tabel 1.24.a. Kinerja BUSN Devisa Konvensional

(Foreign Exchange Commercial Banks Performance)
2016 2017
Minimum (%)
- Modal 177.744 220.225 252.499 323.381 325.872 342.820 337.116 342.569 352.005 358.705 362.244 364.084 366.450 368.941 372.582 382.236 382.852 - Capital
- 1.026.324 1.202.706 1.342.612 1.513.839 1.468.911 1.472.517 1.472.215 1.485.337 1.509.464 1.492.022 1.497.744 1.504.042 1.497.469 1.509.963 1.567.734 1.534.590 1.570.184 - Total Credit to third party
Bank
87
Tabel 1.25.a. Kinerja BUSN Non Devisa Konvensional

(Non-Foreign Exchange Commercial Banks Performance)
2016 2017
Minimum (%)
- Modal 13.530 17.984 20.631 10.609 10.873 10.652 10.866 11.451 11.590 10.280 10.016 10.117 10.153 10.519 7.958 8.321 8.363 - Capital
- ATMR 65.057 77.653 89.411 47.895 48.486 48.834 46.325 50.333 51.185 46.857 43.351 43.803 45.163 42.043 30.718 30.813 31.346 - Risk Weighted Assets
ROA (%) 3,31 3,26 2,16 0,47 0,34 0,25 0,25 0,10 0,15 (0,04) 0,72 0,80 0,81 0,83 0,98 1,55 1,46 Return On Assets Ratio (%)
- Laba sebelum pajak 3.204 3.744 2.839 299 237 175 171 70 108 (26) 442 488 503 519 389 692 668 - Profit
- Rata-rata total aset 96.840 114.799 131.315 63.861 68.712 69.413 69.871 70.472 71.236 66.298 61.168 61.423 61.761 62.276 39.838 44.673 45.693 - Average total assets
- Biaya Operasional 12.149 14.260 17.751 7.477 1.343 2.063 2.729 3.400 4.134 4.476 4.381 4.967 5.517 6.081 4.473 396 781 - Operating Expenses
- Pendapatan Operasional 15.320 17.900 20.567 7.786 1.384 2.110 2.789 3.433 4.198 4.472 4.685 5.344 5.951 6.576 4.874 453 891 - Operating Income
- Rata-rata total aset produktif 92.126 111.801 129.441 60.730 65.300 66.012 66.487 67.058 67.758 62.884 58.342 58.553 58.846 59.325 37.808 42.488 43.498 - Average total earning assets
- 69.804 82.634 91.795 43.541 43.470 44.285 44.838 45.747 47.077 43.409 40.067 40.920 41.680 42.256 30.307 29.968 30.365 - Total Credit to third party
Bank
- Total Dana Pihak Ketiga 84.374 97.102 104.544 53.674 54.360 55.101 56.333 57.277 59.013 54.253 50.181 49.827 50.324 51.835 34.296 33.704 34.785 - Total Third Party Funds
- Aset Likuid Sekunder 1.291 891 803 1.529 1.868 1.619 1.528 1.595 1.513 1.252 1.203 1.111 1.417 1.512 586 615 620 - Aset Likuid Sekunder
- Total Aset 108.758 128.498 140.823 69.419 68.900 70.815 71.247 72.873 75.059 68.419 63.696 63.458 64.807 67.424 45.466 44.673 46.713 - Total Assets
88
Tabel 1.26.a. Kinerja BPD Konvensional

(Regional Development Banks Performance)
2016 2017
Minimum (%)
- Modal 35.198 40.343 46.922 57.254 59.312 58.033 58.414 57.656 58.997 60.333 63.770 60.312 60.583 61.720 64.815 66.892 66.249 - Capital
Bank
89
Tabel 1.27.a. Kinerja Bank Campuran Konvensional

(Joint Venture Banks Performance)
2016 2017
Minimum (%)
- Modal 30.770 43.832 47.767 53.463 56.903 55.805 56.320 56.753 56.877 57.195 58.131 58.148 58.380 58.466 59.420 59.720 53.845 - Capital
Bank
90
Tabel 1.28.a. Kinerja Bank Asing Konvensional

(Foreign Owned Banks Performance)
2016 2017
Minimum (%)
- Modal 73.091 106.216 151.336 164.452 166.555 164.479 151.638 171.439 164.983 166.375 168.427 166.064 165.578 167.578 167.242 168.380 169.522 - Capital
Bank
91
Tabel 1.29.a. Perkembangan Aset Bank Umum Berdasarkan Kelompok Bank

(Growth of Commercial Banks Assets Based Group Bank)
2016 2017
Kelompok Bank 2012 2013 2014 2015 Group of Bank
- Bank Persero 1.535.343 1.758.873 2.076.605 2.313.316 2.271.724 2.296.310 2.300.341 2.311.884 2.428.159 2.390.428 2.399.901 2.487.925 2.487.086 2.548.455 2.666.516 2.625.177 2.620.029 - State Owned Banks
- BUSN Devisa 1.705.408 1.962.539 2.200.142 2.363.516 2.448.738 2.460.125 2.458.080 2.488.587 2.512.883 2.534.806 2.553.411 2.552.532 2.550.562 2.590.167 2.672.238 2.686.307 2.705.444 - Foreign Exchange
Commercial Banks
- BUSN Non Devisa 135.472 162.457 186.817 193.149 92.386 95.257 95.616 97.286 100.829 93.758 88.901 89.187 89.533 93.133 73.684 72.095 73.704 - Non-Foreign Exchange
Commercial Banks
- BPD 366.685 389.964 440.691 475.696 507.291 531.301 549.223 558.180 539.706 551.585 554.525 554.140 550.842 546.891 529.746 531.456 550.142 - Regional Development
Banks
- Bank Campuran 217.713 290.219 278.312 313.570 312.197 306.437 305.669 306.343 302.489 301.444 302.141 303.275 307.562 319.097 319.328 316.127 315.747 - Joint Venture Banks
- Bank Asing 301.966 390.415 432.582 473.336 487.026 478.752 472.046 480.833 478.646 477.567 483.772 478.620 474.822 484.119 468.286 476.096 479.249 - Foreign Owned Banks
Total 4.262.587 4.954.467 5.615.150 6.132.583 6.119.362 6.168.182 6.180.975 6.243.113 6.362.713 6.349.589 6.382.650 6.465.680 6.460.408 6.581.861 6.729.799 6.707.258 6.744.314 Total
92
Tabel 1.30.a. Jumlah Bank Umum Berdasarkan Pengelompokan Total Aset

(Total of Commercial Banks Based on Total Assets)
Desember 2012 Desember 2013 Desember 2014 Desember 2015 Februari 2016 Desember 2016 Februari 2017
Kelompok Bank Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Rp. 1 Rp. 10 Group of Bank
< Rp. > Rp. < Rp. > Rp. < Rp. > Rp. < Rp. > Rp. < Rp. > Rp. < Rp. > Rp. < Rp. > Rp.
s.d s.d s.d s.d s.d s.d s.d s.d s.d s.d s.d s.d s.d s.d
1 50 1 50 1 50 1 50 1 50 1 50 1 50
10 50 10 50 10 50 10 50 10 50 10 50 10 50
Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun
Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun Triliun
Bank Persero 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 0 0 0 4 State Owned Banks
BUSN Devisa 1 17 7 11 1 15 8 12 1 16 9 12 0 15 12 12 0 14 14 13 0 13 15 14 0 13 15 14 Foreign Exchange

Commercial Banks
BUSN Non Devisa 10 17 2 1 8 18 2 1 5 21 2 1 5 19 2 1 6 18 1 0 4 17 0 0 4 17 0 0 Non-Foreign Exchange

Commercial Banks
BPD 0 14 11 1 0 14 11 1 0 10 15 1 0 10 15 1 0 9 16 1 0 11 14 2 0 11 14 2 Regional Development

Banks
Bank Campuran 0 6 8 0 0 7 7 1 0 4 7 1 0 2 8 2 0 2 8 2 0 2 8 2 0 2 8 2 Joint Venture Banks
Bank Asing 0 3 3 4 0 2 4 4 0 2 4 4 0 2 4 4 0 2 4 4 1 1 4 4 0 1 4 4 Foreign Owned Banks
Total 11 57 31 21 9 56 32 23 6 53 37 23 5 48 41 24 6 45 43 24 5 44 41 26 4 44 41 26 Total
93
Tabel 1.31.a. Aset Produktif Bank Umum Konvensional dan Kualitas Kredit Bank Umum kepada Bank Lain
(Earning Assets of Commercial Banks and Credit Quality of Commercial Banks to Other Bank)
2016 2017
Aset Produktif Neraca 3.416.989 4.115.372 4.531.435 5.002.520 5.056.358 5.159.822 5.203.610 5.272.125 5.279.923 5.343.958 5.357.939 5.384.843 5.395.739 5.478.457 5.518.889 5.573.546 5.600.297 Earning Assets
a. Lancar 3.250.997 3.929.648 4.308.971 4.719.729 4.714.601 4.833.904 4.857.861 4.932.288 4.945.369 4.991.412 5.013.023 5.043.386 5.055.707 5.137.801 5.209.001 5.225.077 5.227.728 a. Current
b. DPK 110.176 124.978 143.405 183.815 230.994 215.773 231.527 216.754 210.830 223.985 214.589 213.394 206.996 207.274 184.315 218.448 239.469 b. Special Mention
c. Kurang Lancar 9.189 9.481 12.864 18.446 20.005 17.564 19.687 23.140 23.010 22.503 22.983 24.839 26.330 25.270 26.195 26.645 24.720 c. Sub-Standard
d. Diragukan 9.515 9.132 14.395 12.754 15.574 17.583 16.633 17.315 21.241 21.815 18.761 15.170 17.190 17.649 14.853 16.770 19.781 d. Doubtful
e. Macet 37.113 42.131 51.799 67.775 75.184 74.999 77.902 82.628 79.473 84.242 88.584 88.054 89.517 90.462 84.525 86.606 88.600 e. Loss
Aset Produktif Transaksi 1.066.117 1.331.086 1.441.570 1.586.820 1.574.854 1.570.405 1.572.650 1.598.780 1.562.604 1.584.288 1.617.209 1.630.899 1.668.355 1.695.729 1.677.733 1.747.568 1.706.885 Earning Assets - Account
1) 1)
Rekening Administratif Administrative Transactions
c. Kurang Lancar 662 404 1.986 1.731 2.238 2.004 2.698 3.166 2.537 2.215 3.038 2.936 3.019 3.400 1.648 1.654 1.567 c. Sub-Standard
d. Diragukan 141 270 402 248 352 514 577 652 569 357 321 317 306 309 1.003 326 304 d. Doubtful
e. Macet 181 699 701 1.570 1.315 1.241 1.253 1.479 1.388 1.385 1.084 1.005 1.001 1.196 827 1.022 1.255 e. Lost
Non Performing Earning Aset Non Performing Earning Asset
60.345 68.947 82.148 102.525 114.669 113.904 118.750 128.379 128.217 132.518 134.771 132.321 137.362 138.286 129.051 133.023 136.227
(Nominal) (Nominal)
Kredit kepada Bank Lain 17.812 26.968 32.192 34.200 30.182 29.476 29.223 29.688 31.906 30.753 30.603 31.427 30.441 29.968 36.220 33.807 34.496 Interbank Loans
a. Lancar 17.668 26.859 32.089 34.099 30.022 29.347 29.063 29.535 31.777 30.573 30.485 31.292 30.319 29.841 36.106 33.686 34.321 a. Current
b. DPK 64 7 11 16 59 18 49 39 19 61 4 27 21 31 19 17 72 b. Special Mention
c. Kurang Lancar - 1 9 - - - 4 3 - 12 8 8 8 - - - - c. Sub-Standard
d. Diragukan - - 0 - 0 0 - 5 6 3 3 3 - - - 0 - d. Doubtful
e. Macet 80 101 84 85 101 111 107 106 104 105 103 97 93 95 94 104 103 e. Loss
Non Performing Loan kepada Interbank Non Performing Loan

80 102 93 85 101 111 111 114 110 119 114 108 101 95 94 104 103
Bank Lain (Nominal) (Nominal)
1) - Terdapat koreksi pada periode Januari 2011 s.d Maret 2013 dimana angka pada Aset Produktif Transaksi Rekening Administratif (TRA) dan angka pada Non 1) - There is a correction in January 2011 until March 2013 where numbers on the arning assets - account administrative transactions and the numbers of Non
Performing Earning Aset yang telah dipublikasikan merupakan angka aset produktif pada neraca dalam bentuk kredit. Performing Assets earning who has published is a number of earning assets as a credit.
- Sejak periode April 2013 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letter - Since the period of April 2013, numbers on the Earning Assets - Acoount administrative transactions is commited and contingent liabilities that include issuance of
of credit, fasilitas kredit yang belum ditarik, dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Performing Earning Aset adalah total dari non guarantees, letters of credit, standby letters of credit, unused borrowing, and/or other commited and contengent liabilities, so the number of Non Performing Earning
performing aset pada neraca dan non performing earning aset pada TRA. assets is the total of non-performing earning assets on the balance sheet and non-performing earning assets on the account administrative transactions
- Terdapat koreksi pada periode Oktober 2012 s.d. Januari 2014, yaitu berdasarkan PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum maka - There is a correction in the period October 2012 s.d. January 2014, which is based on PBI No.14/15/PBI/2012 Commercial Bank Asset Quality Rating for the numbers
angka pada Aset Produktif Transaksi Rekening Administratif (TRA) telah mencakup TRA yang bersifat committed (yang tidak memenuhi kriteria sebagai on Earning Assets Balance Sheet (TRA) TRA has covers that are committed (which does not meet the criteria as uncommitted) and uncommitted (giving facilities are in
uncommitted) dan uncommitted (pemberian fasilitas yang dalam perjanjiannya memuat klausula bahwa Bank dapat membatalkan atau tidak memenuhi fasilitas agreement contains a clause that the Bank may cancel or do not meet the conditions or facilities for some reason)
karena kondisi atau alasan tertentu) - Since the period of February 2014 is the number at the TRA commitments and contingent liabilities which include the issuance of guarantee letters of credit, standby
- Sejak periode Februari 2014 angka pada TRA adalah kewajiban komitmen dan kontijensi yang antara lain meliputi penerbitan jaminan letter of credit, standby letters of credit, undrawn credit facilities (committed and uncommitted), and / or other contingent liabilities and commitments, so the numbers non-Performing assets
letter of credit, fasilitas kredit yang belum ditarik (committed dan uncommitted), dan/atau kewajiban komitmen dan kontijensi lain, sehingga angka Non Earning is the total of non-performing assets on the balance sheet and earnings of non-performing assets in the TRA.
Performing Earning Aset adalah total dari non performing aset pada neraca dan non performing earning aset pada TRA.
94
Tabel 1.32.a. Aset Produktif Bank Persero dan Kualitas Kredit Bank Persero kepada Bank Lain
(Earning Asset of State Owned Banks and Credit Quality of State Owned Banks to Other Bank)
2016 2017
e. Macet 16.967 18.441 19.829 25.624 27.746 26.876 29.220 31.921 29.793 31.365 35.353 36.108 37.052 35.880 33.002 33.961 34.901 e. Loss
Aset Produktif Transaksi 309.868 359.504 398.351 463.182 446.766 445.088 438.722 445.755 448.997 458.325 466.876 476.111 499.130 495.944 510.689 516.514 512.457 Earning Assets - Account
1) 1)
c. Kurang Lancar 63 46 66 198 298 284 579 900 89 69 920 911 937 881 209 180 145 c. Sub-Standard
d. Diragukan 30 57 70 81 94 151 137 247 275 110 88 97 83 83 810 138 117 d. Doubtful
e. Macet 24 471 434 431 415 413 414 467 436 446 462 412 416 131 265 128 126 e. Loss
28.038 31.217 28.355 38.881 44.396 42.528 44.539 51.271 51.606 52.947 54.529 54.402 55.646 54.205 53.985 55.329 56.560
(Nominal) (Nominal)
c. Kurang Lancar - - - - - - 4 - - 3 - - - - - - - c. Sub-Standard
d. Diragukan - - - - - - - 4 4 - 3 3 - - - - - d. Doubtful
e. Macet 78 98 72 71 70 70 70 71 69 72 73 72 74 75 74 74 74 e. Loss

78 98 72 71 70 70 74 75 73 75 76 75 74 75 74 74 74
95
Tabel 1.33.a. Aset Produktif BUSN Devisa dan Kualitas Kredit BUSN Devisa kepada Bank Lain
(Earning Asset of Foreign Exchange Banks and Credit Quality of Foreign Exchange Banks to Other Bank)
2016 2017
e. Macet 12.881 14.614 18.996 25.447 28.943 29.201 29.071 31.093 30.583 33.351 33.877 32.880 32.442 33.818 34.195 34.846 35.719 e. Loss
1) 1)
e. Macet 37 57 108 596 589 535 569 735 584 589 212 215 156 231 165 168 163 e. Loss
19.190 21.465 30.984 36.386 41.325 43.110 44.679 47.133 47.262 50.054 49.578 47.921 51.494 53.902 51.094 52.045 53.513
(Nominal) (Nominal)
b. DPK 16 5 - 16 42 11 17 25 1 11 1 24 6 14 12 11 62 b. Special Mention
c. Kurang Lancar - - 7 - - - - 3 - - - - - - - - - c. Sub-Standard
d. Diragukan - - 0 - - - - 2 3 3 - - - - - 0 - d. Doubtful
e. Macet - 1 11 5 19 22 18 16 16 12 9 9 9 9 9 10 7 e. Loss

- 1 18 5 19 22 18 21 19 15 9 9 9 9 9 10 7
96
Tabel 1.34.a. Aset Produktif BUSN Non Devisa dan Kualitas Kredit BUSN Non Devisa kepada Bank Lain
(Earning Asset of Non Foreign Exchange Banks and Credit Quality of Non Foreign Exchange Banks to Other Bank)
2016 2017
Aset Produktif Neraca 82.482 106.351 110.115 122.537 59.212 61.378 62.359 63.615 64.771 59.783 55.933 54.661 56.398 58.401 39.021 38.204 39.732 Earning Assets
e. Macet 686 649 813 869 900 820 934 1.080 913 943 894 919 824 892 439 452 439 e. Loss
1) 1)
a. Current
a. Lancar 4.042 4.492 7.699 9.344 5.422 5.270 5.349 5.951 4.913 3.855 4.257 4.519 5.060 4.969 2.909 3.032 3.181
c. Kurang Lancar 0 0 - 0 1 3 0 0 0 1 0 0 0 0 0 0 0 c. Sub-Standard
e. Macet 1 1 1 2 2 4 3 4 4 4 3 2 1 2 2 2 2 e. Loss
1.246 1.111 1.736 1.685 1.618 1.680 1.722 1.716 1.536 1.578 1.528 1.390 1.311 1.351 665 724 724
(Nominal) (Nominal)
Kredit kepada Bank Lain 890 1.072 944 1.025 708 673 661 718 769 756 738 731 728 713 783 781 831 Interbank Loans
a. Lancar 888 1.070 939 1.021 704 669 655 712 762 750 732 725 722 706 779 777 827 a. Current
b. DPK - 2 2 - - - 2 2 2 2 2 2 2 2 - - - b. Special Mention
c. Kurang Lancar - - 2 - - - - - - - - - - - - - - c. Sub-Standard
d. Diragukan - - - - - - - - - - - - - - - - - d. Doubtful
e. Macet 1 - 1 4 4 4 4 4 4 4 4 4 4 4 4 4 4 e. Loss

1 - 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4
97
Tabel 1.35.a. Aset Produktif BPD dan Kualitas Kredit BPD kepada Bank Lain
(Earning Asset of Regional Development Banks and Credit Quality of Regional Development Banks to Other Bank)
2016 2017
c. Kurang Lancar 945 1.052 785 832 1.387 1.016 1.289 1.178 1.087 1.112 1.278 1.263 1.688 854 804 1.605 1.555 c. Sub-Standard
d. Diragukan 637 987 1.378 974 1.203 1.330 1.141 1.509 1.278 1.073 1.050 998 906 1.213 739 650 992 d. Doubtful
e. Macet 3.532 5.598 8.497 10.542 11.006 10.704 11.067 11.271 11.130 11.509 11.609 11.314 11.308 11.359 10.344 10.872 10.878 e. Loss
1) 1)
e. Macet 44 118 140 252 240 204 199 201 225 209 238 235 267 273 231 373 361 e. Loss
5.195 7.784 10.829 12.615 13.854 13.265 13.707 14.200 13.764 13.991 14.197 13.818 14.181 13.711 12.129 13.521 13.807
(Nominal) (Nominal)
Kredit kepada Bank Lain 357 709 970 983 1.004 1.147 1.153 1.278 1.464 1.410 1.404 1.391 1.413 1.509 1.468 1.494 1.468 Interbank Loans
a. Lancar 357 708 970 979 990 1.132 1.112 1.255 1.438 1.385 1.379 1.372 1.401 1.496 1.455 1.472 1.440 a. Current
b. DPK - - 0 0 7 0 27 9 11 1 1 0 - 7 7 6 10 b. Special Mention
c. Kurang Lancar - 1 - - - - 0 - 9 - 8 8 - - - - c. Sub-Standard
d. Diragukan - - - - 0 0 - - 0 - 8 - - - - - - d. Doubtful
e. Macet - - 0 4 8 14 14 14 14 16 16 11 5 6 6 15 17 e. Loss

- 1 0 4 8 14 14 14 14 24 24 19 13 6 6 15 17
98
Tabel 1.36.a. Aset Produktif Bank Campuran dan Kualitas Kredit Bank Campuran kepada Bank Lain
(Earning Assets of Joint Venture Banks and Credit Quality of Joint Venture Banks to Other Bank)
2016 2017
c. Kurang Lancar 540 376 982 2.039 1.399 1.180 1.118 1.067 1.344 1.537 1.655 1.782 1.145 1.134 786 718 640 c. Sub-Standard
d. Diragukan 482 983 1.401 903 724 678 554 633 442 446 654 770 590 365 368 575 435 d. Doubtful
e. Macet 1.346 1.097 1.411 2.900 3.708 3.982 4.133 3.728 3.678 3.739 3.531 3.515 4.115 4.300 3.722 3.691 3.880 e. Loss
1)
e. Macet 34 22 20 36 52 66 59 66 132 127 125 131 137 101 113 334 64 e. Loss
2.495 2.601 3.888 6.038 6.045 6.055 6.064 5.705 5.758 6.028 6.143 6.501 6.282 6.402 5.208 5.596 5.295
(Nominal) (Nominal)
Kredit kepada Bank Lain 4 152 388 435 367 372 173 173 181 167 170 157 154 56 153 152 151 Interbank Loans
a. Lancar 4 152 388 435 367 371 173 173 181 167 170 157 154 56 153 152 151 a. Current
b. DPK - - - - - - - - - - - - - - - - - b. Special Mention
c. Kurang Lancar - - - - - - - - - - - - - - - - - c. Sub-Standard
e. Macet - - - 0 0 0 0 - 0 0 0 0 0 0 - - - e. Loss

- - - 0 0 0 0 - 0 0 0 0 0 0 - - -
99
Tabel 1.37.a. Aset Produktif Bank Asing dan Kualitas Kredit Bank Asing kepada Bank Lain
(Earning Assets of Foreign Owned Banks and Credit Quality of Foreign Owned Banks to Other Bank)
2016 2017
c. Kurang Lancar 833 1.319 1.648 2.597 1.542 1.177 1.088 1.222 1.203 1.200 1.818 1.724 1.813 1.089 1.009 1.335 1.234 c. Sub-Standard
d. Diragukan 1.184 1.354 668 348 1.286 1.135 1.349 1.427 1.445 1.411 1.636 1.455 986 925 828 457 610 d. Doubtful
e. Macet 1.700 1.732 1.371 2.393 2.881 3.414 3.477 3.533 3.376 3.335 3.320 3.317 3.777 4.214 2.823 2.784 2.782 e. Loss
1) 1)
c. Kurang Lancar 409 259 1.432 1.288 1.661 1.408 1.975 2.026 2.144 1.852 1.863 1.653 1.730 1.908 1.154 1.111 1.055 c. Sub-Standard
e. Macet 40 31 19 253 17 18 8 7 6 11 44 10 23 459 51 16 539 e. Loss

4.181 4.768 5.274 6.919 7.430 7.265 8.039 8.354 8.291 7.920 8.797 8.289 8.448 8.714 5.971 5.808 6.328
(Nominal) (Nominal)
b. DPK - - - - - - - - - - - - - - - - - b. Special Mention
c. Kurang Lancar - - - - - - - - - - - - - - - - - c. Sub-Standard
e. Macet - - - - - - - - - - - - - - - - - e. Loss

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

**) Angka-angka sangat sementara **) Very provisional figures
***) Angka-angka sangat-sangat ***) Estimated figures
100
Tabel 1.38.a. Komposisi Dana Pihak Ketiga Bank Umum

Komposisi thd Komposisi thd Komposisi thd Komposisi thd Komposisi thd Komposisi thd Komposisi thd
Keterangan Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%)
Items
Nominal Nominal Nominal Nominal Nominal Nominal Nominal
(Composition to (Composition to (Composition to (Composition to (Composition to (Composition to (Composition to
Total Third Party Total Third Party Total Third Party Total Third Party Total Third Party Total Third Party Total Third Party
Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%) Funds) (%)
Giro 767.070 23,78 846.781 23,11 889.586 21,62 987.532 22,38 1.015.665 22,89 1.124.235 23,24 1.126.547 23,24 Demand Deposits
Rupiah 567.801 17,61 569.927 15,55 605.276 14,71 667.537 15,13 703.122 15,84 821.777 16,99 831.806 17,16 Rupiah
Valas 199.270 6,18 276.854 7,56 284.309 6,91 319.995 7,25 312.543 7,04 302.458 6,25 294.741 6,08 Foreign Exchange
Tabungan 1.076.830 33,39 1.212.707 33,10 1.284.458 31,22 1.396.011 31,63 1.336.809 30,13 1.551.809 32,08 1.490.616 30,76 Saving
Rupiah 1.010.488 31,33 1.123.696 30,67 1.187.559 28,86 1.274.588 28,88 1.218.231 27,45 1.413.351 29,22 1.357.460 28,01 Rupiah
Simpanan Berjangka 1.381.298 42,83 1.604.480 43,79 1.940.376 47,16 2.029.513 45,99 2.085.041 46,99 2.160.714 44,67 2.229.258 46,00 Time Deposits
Rupiah 1.179.242 36,56 1.331.527 36,34 1.641.743 39,90 1.723.319 39,05 1.800.540 40,58 1.856.507 38,38 1.918.887 39,59 Rupiah
- Jangka Waktu 1 bulan - - Periode 1 Month
Rupiah 677.030 20,99 814.742 22,24 925.812 22,50 902.329 20,45 916.670 20,66 932.222 19,27 1.112.738 22,96 Rupiah
Rupiah 251.926 7,81 264.156 7,21 374.111 9,09 453.597 10,28 478.235 10,78 517.583 10,70 393.126 8,11 Rupiah
Rupiah 125.555 3,89 120.795 3,30 149.345 3,63 177.145 4,01 202.994 4,57 193.274 4,00 197.616 4,08 Rupiah
- Jangka Waktu >= 12 bulan - - Periode >= 12 Month
Rupiah 124.731 3,87 131.834 3,60 192.350 4,68 190.213 4,31 202.641 4,57 213.428 4,41 215.406 4,44 Rupiah
Total DPK 3.225.198 100,00 3.663.968 100,00 4.114.420 100,00 4.413.056 100,00 4.437.515 100,00 4.836.758 100,00 4.846.420 100,00 Total Third Party Funds
Rupiah 2.757.530 85,50 3.025.150 82,56 3.434.579 83,48 3.665.444 83,06 3.721.893 83,87 4.091.634 84,59 4.108.153 84,77 Rupiah
101
Tabel 1.39.a. Komposisi Dana Pihak Ketiga Bank Persero

Items
Giro 272.149 22,65 300.056 22,01 318.259 20,11 400.515 23,08 373.448 22,15 487.793 24,58 441.150 23,14 Demand Deposits
Rupiah 206.540 17,19 200.001 14,67 214.126 13,53 269.903 15,56 247.586 14,69 364.103 18,35 321.999 16,89 Rupiah
Tabungan 483.022 40,21 555.319 40,74 601.858 38,03 672.347 38,75 626.083 37,14 755.490 38,08 709.884 37,23 Saving
Rupiah 467.656 38,93 533.277 39,12 572.294 36,16 636.447 36,68 592.791 35,17 711.441 35,86 669.315 35,10 Rupiah
Simpanan Berjangka 446.113 37,14 507.687 37,25 662.370 41,86 662.100 38,16 686.147 40,70 740.891 37,34 755.658 39,63 Time Deposits
Rupiah 378.829 31,54 420.785 30,87 566.153 35,78 560.637 32,31 595.958 35,35 618.862 31,19 630.836 33,09 Rupiah
Rupiah 223.177 18,58 245.364 18,00 297.812 18,82 289.817 16,70 294.165 17,45 311.680 15,71 383.885 20,13 Rupiah
Rupiah 71.970 5,99 74.076 5,43 137.470 8,69 157.965 9,10 171.501 10,17 196.294 9,89 134.789 7,07 Rupiah
Rupiah 32.208 2,68 33.634 2,47 43.608 2,76 36.035 2,08 54.676 3,24 47.153 2,38 47.384 2,49 Rupiah
Rupiah 51.475 4,28 67.710 4,97 87.264 5,51 76.820 4,43 75.616 4,49 63.736 3,21 64.777 3,40 Rupiah
Rupiah 1.053.025 87,66 1.154.063 84,67 1.352.573 85,47 1.466.987 84,55 1.436.335 85,21 1.694.406 85,40 1.622.149 85,08 Rupiah
102
Tabel 1.40.a. Komposisi Dana Pihak Ketiga BUSN Devisa

(Composition of Third Party Funds of Foreign Exchange Commercial Banks)
Items
Rupiah 198.251 14,65 204.067 13,15 212.135 12,25 224.669 12,34 234.110 12,31 273.849 13,39 278.144 13,36 Rupiah
Tabungan 461.038 34,07 502.864 32,39 522.792 30,20 544.137 29,88 558.190 29,34 611.159 29,88 615.560 29,56 Saving
Rupiah 433.712 32,05 463.249 29,84 483.010 27,90 488.571 26,83 501.826 26,38 549.423 26,86 554.831 26,64 Rupiah
Simpanan Berjangka 627.129 46,35 755.341 48,66 898.991 51,93 956.911 52,54 1.019.170 53,58 1.066.783 52,15 1.096.923 52,68 Time Deposits
Rupiah 541.950 40,05 629.323 40,54 742.631 42,90 793.250 43,56 864.230 45,43 923.922 45,16 949.730 45,61 Rupiah
Rupiah 320.362 23,68 408.004 26,28 455.492 26,31 449.052 24,66 463.408 24,36 475.541 23,25 553.244 26,57 Rupiah
Rupiah 127.361 9,41 130.349 8,40 166.425 9,61 205.366 11,28 229.067 12,04 252.104 12,32 196.782 9,45 Rupiah
Rupiah 54.242 4,01 49.986 3,22 59.592 3,44 86.203 4,73 104.380 5,49 100.600 4,92 103.795 4,98 Rupiah
Rupiah 39.985 2,95 40.984 2,64 61.097 3,53 52.595 2,89 67.376 3,54 95.677 4,68 95.909 4,61 Rupiah
Rupiah 1.173.913 86,75 1.296.639 83,53 1.437.776 83,06 1.506.490 82,72 1.600.167 84,12 1.747.194 85,41 1.782.704 85,61 Rupiah
103
Tabel 1.41.a. Komposisi Dana Pihak Ketiga BUSN Non Devisa

(Composition of Third Party Funds of Non-Foreign Exchange Commercial Banks)
Items
Rupiah 5.074 4,86 5.844 4,76 7.056 5,00 4.703 3,20 3.247 4,51 2.817 5,06 2.365 4,22 Rupiah
Valas - - - - - - - - - - - - - - Foreign Exchange
Tabungan 12.794 12,26 14.402 11,72 16.422 11,64 17.728 12,05 6.626 9,21 6.202 11,15 6.113 10,90 Saving
Rupiah 12.794 12,26 14.402 11,72 16.422 11,64 17.728 12,05 6.626 9,21 6.202 11,15 6.113 10,90 Rupiah
Rupiah 86.478 82,88 102.636 83,52 117.549 83,35 124.711 84,76 62.071 86,28 46.607 83,79 47.597 84,88 Rupiah
Rupiah 43.915 42,09 61.923 50,39 64.013 45,39 56.752 38,57 30.904 42,96 22.060 39,66 27.561 49,15 Rupiah
Rupiah 22.133 21,21 24.123 19,63 28.290 20,06 36.881 25,06 18.952 26,34 14.207 25,54 10.169 18,14 Rupiah
Rupiah 15.658 15,01 12.534 10,20 16.041 11,37 20.371 13,84 7.711 10,72 6.441 11,58 6.156 10,98 Rupiah
Rupiah 4.771 4,57 4.056 3,30 9.123 6,47 10.707 7,28 4.505 6,26 3.899 7,01 3.711 6,62 Rupiah
Total DPK 104.346 100,00 122.883 100,00 141.027 100,00 147.143 100,00 71.944 100,00 55.626 100,00 56.074 100,00 Total Third Party Funds
Rupiah 104.346 100,00 122.883 100,00 141.027 100,00 147.143 100,00 71.944 100,00 55.626 100,00 56.074 100,00 Rupiah
104
Tabel 1.42.a. Komposisi Dana Pihak Ketiga BPD

(Composition of Third Party Funds of Regional Development Banks)
Items
Rupiah 112.715 40,47 106.398 36,98 120.531 35,88 110.080 30,87 153.070 37,45 102.914 26,83 145.253 33,61 Rupiah
Valas 238 0,09 673 0,23 368 0,11 264 0,07 239 0,06 270 0,07 280 0,06 Foreign Exchange
Tabungan 79.968 28,71 95.827 33,31 100.949 30,05 116.601 32,70 98.925 24,20 128.802 33,58 108.173 25,03 Saving
Rupiah 79.938 28,70 95.786 33,29 100.903 30,03 116.551 32,68 98.884 24,19 128.691 33,55 108.073 25,01 Rupiah
Rupiah 84.903 30,48 83.838 29,14 113.270 33,72 127.088 35,64 154.560 37,81 149.190 38,90 177.354 41,04 Rupiah
Valas 711 0,26 974 0,34 839 0,25 2.567 0,72 1.984 0,49 2.355 0,61 1.082 0,25 Foreign Exchange
Rupiah 37.513 13,47 40.872 14,21 53.562 15,94 56.407 15,82 75.276 18,41 64.217 16,74 91.060 21,07 Rupiah
Valas 468 0,17 854 0,30 795 0,24 1.410 0,40 607 0,15 1.916 0,50 514 0,12 Foreign Exchange
Rupiah 12.214 4,39 12.263 4,26 19.129 5,69 23.640 6,63 26.678 6,53 28.841 7,52 27.204 6,30 Rupiah
Rupiah 13.495 4,84 16.389 5,70 15.889 4,73 12.221 3,43 12.780 3,13 19.940 5,20 21.331 4,94 Rupiah
Valas 27 0,01 84 0,03 15 0,00 425 0,12 1.084 0,27 17 0,00 12 0,00 Foreign Exchange
Rupiah 21.682 7,78 14.314 0,01 24.670 7,34 34.820 9,76 39.827 9,74 36.192 9,44 37.759 8,74 Rupiah
Rupiah 277.555 99,65 286.021 99,41 334.704 99,63 353.719 99,19 406.514 99,45 380.794 99,29 430.681 99,66 Rupiah
Valas 980 0,35 1.688 0,59 1.253 0,37 2.881 0,81 2.263 0,55 2.736 0,71 1.462 0,34 Foreign Exchange
105
Tabel 1.43.a. Komposisi Dana Pihak Ketiga Bank Campuran

(Composition of Third Party Funds of Joint Venture Banks)
Items
Rupiah 12.226 9,23 16.744 10,18 13.334 8,91 16.318 10,01 16.750 10,12 22.303 13,08 23.462 14,05 Rupiah
Tabungan 19.292 14,57 23.245 14,13 20.925 13,98 23.107 14,17 23.518 14,21 25.266 14,82 25.646 15,36 Saving
Rupiah 8.529 6,44 10.268 6,24 7.548 5,04 8.340 5,12 9.593 5,79 9.224 5,41 10.026 6,00 Rupiah
Rupiah 47.948 36,20 53.835 32,72 58.079 38,81 70.930 43,51 71.418 43,14 71.148 41,73 68.020 40,74 Rupiah
Rupiah 26.748 20,19 33.557 20,40 33.116 22,13 22.699 13,92 27.476 16,60 30.512 17,90 30.114 18,04 Rupiah
Rupiah 9.285 7,01 11.791 7,17 11.066 7,39 12.375 7,59 15.804 9,55 18.328 10,75 16.460 9,86 Rupiah
Rupiah 6.842 5,17 5.146 3,13 6.746 4,51 7.463 4,58 17.052 10,30 11.500 6,75 11.247 6,74 Rupiah
Rupiah 5.073 3,83 3.341 2,03 7.152 4,78 4.165 2,56 11.086 6,70 10.808 6,34 10.198 6,11 Rupiah
Valas 1.611 1,22 2.632 1,60 3.358 2,24 986 0,61 4.746 2,87 4.346 2,55 4.711 2,82 Foreign Exchange
Rupiah 68.704 51,87 80.847 49,14 78.962 52,76 95.588 58,64 97.761 59,05 102.675 60,23 101.508 60,80 Rupiah
106
Tabel 1.44.a. Komposisi Dana Pihak Ketiga Bank Asing

(Composition of Third Party Funds of Foreign Owned Banks)
Keterangan Total DPK (%) Total DPK (%) Total DPK (%) Nominal Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%)
Items
Nominal Nominal Nominal Nominal Nominal Nominal
Rupiah 32.996 21,23 36.873 21,27 38.094 21,86 41.864 22,02 48.358 23,79 55.791 28,28 60.584 29,97 Rupiah
Tabungan 20.715 13,33 21.050 12,14 21.511 12,34 22.091 11,62 23.468 11,55 24.891 12,62 25.239 12,49 Saving
Rupiah 7.858 5,06 6.713 3,87 7.382 4,24 6.951 3,66 8.512 4,19 8.370 4,24 9.103 4,50 Rupiah
Rupiah 39.133 25,18 41.111 23,71 44.062 25,28 46.702 24,57 52.302 25,73 46.777 23,71 45.350 22,44 Rupiah
Rupiah 25.315 16,29 25.022 14,43 21.817 12,52 22.699 11,94 25.441 12,52 28.212 14,30 26.873 13,30 Rupiah
Rupiah 8.962 5,77 11.553 6,66 11.731 6,73 12.375 6,51 16.233 7,99 7.809 3,96 7.721 3,82 Rupiah
Rupiah 3.110 2,00 3.107 1,79 7.470 4,29 7.463 3,93 6.396 3,15 7.640 3,87 7.703 3,81 Rupiah
Rupiah 1.746 1,12 1.429 0,82 3.043 1,75 4.165 2,19 4.232 2,08 3.116 1,58 3.052 1,51 Rupiah
Valas 583 0,38 651 0,38 1.779 1,02 986 0,52 1.171 0,58 1.084 0,55 1.151 0,57 Foreign Exchange
Rupiah 79.987 51,46 84.697 48,85 89.537 51,38 95.517 50,25 109.172 53,71 110.939 56,24 115.037 56,91 Rupiah
107
Tabel 1.45.a. Komposisi DPK Bank Umum Berdasarkan Lokasi Penghimpunan Dana Februari 2017
(Composition of Third Party Funds of Commercial Banks Based on Location - February 2017)
Giro Tabungan Deposito Total DPK Pangsa Thd
(Demand Deposits) (Saving Deposits) (Time Deposits) (Total Third Party Funds) Total DPK (%)
Lokasi Valas Valas Valas Valas (Portion to Location
Rupiah (Foreign Rupiah (Foreign Rupiah (Foreign Rupiah (Foreign Total Total Third
Exchange) Exchange) Exchange) Exchange) Party (%)
1. Jawa Barat 58.856 9.822 159.039 8.346 148.730 12.641 366.624 30.810 397.434 8,20 1. Jawa Barat
2. Banten 36.986 5.298 48.865 3.871 51.782 3.347 137.633 12.515 150.148 3,10 2. Banten
3. DKI Jakarta 449.720 239.066 348.018 82.184 1.112.672 243.428 1.910.410 564.678 2.475.089 51,07 3. DKI Jakarta
4. D.I Yogyakarta 6.913 416 26.683 763 16.067 640 49.664 1.819 51.483 1,06 4. D.I Yogyakarta
5. Jawa Tengah 29.099 2.772 114.734 4.085 78.681 9.068 222.514 15.925 238.439 4,92 5. Jawa Tengah
6. Jawa Timur 66.555 10.989 178.477 11.480 174.369 14.709 419.401 37.178 456.579 9,42 6. Jawa Timur
7. Bengkulu 2.588 45 5.828 46 2.826 10 11.243 102 11.344 0,23 7. Bengkulu
8. Jambi 4.212 134 13.352 308 9.550 101 27.114 542 27.656 0,57 8. Jambi
9. Aceh 6.130 33 16.303 135 7.596 63 30.029 230 30.259 0,62 9. Aceh
10. Sumatera Utara 29.584 5.073 73.341 4.584 80.748 10.863 183.673 20.520 204.193 4,21 10. Sumatera Utara
11. Sumatera Barat 6.559 143 17.491 484 11.169 335 35.219 962 36.181 0,75 11. Sumatera Barat
12. Riau 11.253 1.136 32.332 926 23.417 974 67.002 3.036 70.038 1,45 12. Riau
14. Sumatera Selatan 10.190 1.869 28.692 957 22.175 1.361 61.057 4.186 65.243 1,35 14. Sumatera Selatan
15. Bangka Belitung 2.084 326 7.606 332 5.318 192 15.008 850 15.857 0,33 15. Bangka Belitung
13. Kepulauan Riau 8.214 4.071 15.476 2.971 9.203 2.523 32.893 9.565 42.458 0,88 13. Kepulauan Riau
16. Lampung 6.580 185 18.992 480 9.105 221 34.676 886 35.562 0,73 16. Lampung
17. Kalimantan Selatan 8.032 576 21.919 473 11.180 300 41.131 1.349 42.480 0,88 17. Kalimantan Selatan
18. Kalimantan Barat 6.134 282 24.476 688 14.807 191 45.417 1.161 46.578 0,96 18. Kalimantan Barat
19. Kalimantan Timur 14.329 4.345 35.886 2.330 24.430 3.052 74.645 9.728 84.373 1,74 19. Kalimantan Timur
20. Kalimantan Tengah 5.184 109 10.641 84 4.725 79 20.549 272 20.821 0,43 20. Kalimantan Tengah
21. Sulawesi Tengah 3.253 46 8.382 107 4.040 35 15.674 188 15.862 0,33 21. Sulawesi Tengah
22. Sulawesi Selatan 11.822 442 40.878 1.016 27.285 827 79.986 2.286 82.272 1,70 22. Sulawesi Selatan
23. Sulawesi Utara 3.130 196 9.554 623 6.914 162 19.598 981 20.579 0,42 23. Sulawesi Utara
24. Gorontalo 724 2 2.426 36 1.378 3 4.527 42 4.569 0,09 24. Gorontalo
25. Sulawesi Barat 974 0 2.376 1 404 - 3.754 1 3.755 0,08 25. Sulawesi Barat
26. Sulawesi Tenggara 3.523 98 7.811 55 3.831 18 15.165 171 15.336 0,32 26. Sulawesi Tenggara
27. Nusa Tenggara Barat 3.881 165 10.789 178 6.274 47 20.943 390 21.334 0,44 27. Nusa Tenggara Barat
28. Bali 11.545 2.311 33.444 3.327 28.860 690 73.849 6.327 80.176 1,65 28. Bali
29. Nusa Tenggara Timur 4.693 81 11.220 143 5.575 34 21.489 257 21.746 0,45 29. Nusa Tenggara Timur
30. Maluku 2.382 13 5.693 101 3.439 30 11.514 144 11.658 0,24 30. Maluku
31. Papua 11.112 376 17.523 256 8.337 137 36.972 769 37.741 0,78 31. Papua
32. Maluku Utara 1.380 8 3.609 13 1.402 9 6.392 31 6.423 0,13 32. Maluku Utara
33. Papua Barat 4.179 19 5.583 67 2.583 40 12.345 126 12.471 0,26 33. Papua Barat
34. Lainnya 8 4.292 21 1.706 16 4.242 45 10.239 10.284 0,21 34. Lainnya
Total 831.806 294.741 1.357.460 133.156 1.918.887 310.371 4.108.153 738.267 4.846.420 100 Total
108
Tabel 1.46.a. Penghimpunan DPK Bank Umum Berdasarkan Lokasi Bank Penghimpun Dana
(Third Party Funds of Commercial Banks Based on Location of Deposits)
2016 2017
Lokasi 2012 2013 2014 2015 Location
1. Jawa Barat 262.433 300.671 332.474 370.285 364.899 372.845 382.675 376.710 385.656 390.212 390.495 388.346 389.369 388.472 400.209 395.732 397.434 1. Jawa Barat
2. Banten 88.496 105.532 121.613 129.632 129.925 130.881 134.622 136.765 139.310 137.429 136.871 135.108 138.724 141.449 149.874 147.935 150.148 2. Banten
3. DKI Jakarta 1.629.585 1.860.446 2.100.489 2.219.848 2.255.336 2.257.794 2.220.277 2.250.508 2.281.885 2.289.426 2.301.073 2.301.830 2.342.266 2.400.193 2.472.780 2.472.661 2.475.089 3. DKI Jakarta
4. D.I Yogyakarta 32.501 37.073 41.483 45.655 45.595 45.922 46.508 46.847 47.112 48.063 48.302 49.924 49.768 49.796 49.905 51.712 51.483 4. D.I Yogyakarta
5. Jawa Tengah 145.257 167.398 188.114 216.174 214.574 217.923 222.272 224.437 225.024 228.674 231.757 228.393 231.733 232.741 240.399 238.509 238.439 5. Jawa Tengah
6. Jawa Timur 292.224 335.308 383.290 422.668 419.844 423.757 428.478 429.251 433.109 434.104 439.062 439.361 442.329 451.252 455.220 453.587 456.579 6. Jawa Timur
7. Bengkulu 7.368 7.680 8.556 9.697 10.047 10.292 10.889 10.853 10.769 10.902 11.038 11.090 11.332 11.229 10.737 11.179 11.344 7. Bengkulu
8. Jambi 17.945 19.415 21.965 23.440 23.591 23.897 23.714 24.307 24.082 24.168 23.997 24.612 24.929 25.406 26.189 26.141 27.656 8. Jambi
9. Aceh 21.969 24.263 26.694 31.054 30.701 31.651 32.955 34.788 33.271 32.814 34.761 33.414 34.164 34.816 32.372 30.909 30.259 9. Aceh
10. Sumatera Utara 139.259 155.204 178.653 184.659 185.128 186.270 188.755 191.565 194.915 196.048 199.280 197.732 197.904 199.321 201.536 202.203 204.193 10. Sumatera Utara
11. Sumatera Barat 25.623 26.281 29.985 33.553 34.075 34.652 35.038 35.816 35.736 36.997 36.718 36.542 36.570 36.204 35.465 35.981 36.181 11. Sumatera Barat
12. Riau 52.243 55.524 64.143 62.050 62.590 62.588 64.014 64.804 65.616 64.413 64.786 66.367 66.154 68.304 66.695 67.896 70.038 12. Riau
13. Sumatera Selatan*) 54.244 53.688 57.225 59.756 58.473 59.275 59.887 58.617 60.681 58.965 58.860 60.674 60.071 61.600 63.183 62.908 65.243 13. Sumatera Selatan
14. Bangka Belitung 12.172 11.828 13.145 14.233 13.976 14.696 14.625 14.792 15.142 14.956 14.862 15.213 15.350 15.544 15.884 15.612 15.857 14. Bangka Belitung
15. Kepulauan Riau*) 28.804 38.392 39.455 40.636 41.069 40.712 40.387 40.829 41.289 40.761 40.991 40.658 40.694 41.675 42.741 42.334 42.458 15. Kepulauan Riau
16. Lampung 22.612 25.642 28.640 32.260 31.386 32.724 33.222 33.075 33.915 34.190 33.730 34.371 34.414 35.155 35.133 35.101 35.562 16. Lampung
17. Kalimantan Selatan 34.118 36.447 37.494 38.871 39.385 39.987 39.701 39.506 43.210 42.171 41.734 42.229 41.576 41.512 41.907 41.656 42.480 17. Kalimantan Selatan
18. Kalimantan Barat 32.000 36.273 39.500 43.989 43.166 43.624 44.532 44.845 45.736 45.825 45.730 45.608 45.609 46.235 46.258 45.758 46.578 18. Kalimantan Barat
19. Kalimantan Timur 79.992 85.407 89.468 83.619 83.500 83.152 81.634 81.639 86.558 83.444 82.300 82.233 80.852 82.630 83.587 81.683 84.373 19. Kalimantan Timur
20. Kalimantan Tengah 14.285 16.023 16.771 17.856 19.104 19.833 20.214 20.014 20.676 20.096 19.520 19.519 20.065 20.473 19.983 21.129 20.821 20. Kalimantan Tengah
21. Sulawesi Tengah 10.022 11.330 12.938 15.765 15.294 16.017 16.304 16.513 17.059 16.508 16.320 16.308 16.337 16.079 16.064 16.180 15.862 21. Sulawesi Tengah
22. Sulawesi Selatan 54.453 61.163 67.026 79.249 78.294 79.497 80.233 80.909 82.974 82.998 83.651 83.221 82.535 82.637 83.261 83.224 82.272 22. Sulawesi Selatan
23. Sulawesi Utara 16.407 17.481 19.671 21.487 21.039 21.538 21.913 21.855 21.860 21.639 21.600 21.229 21.013 20.871 21.215 20.603 20.579 23. Sulawesi Utara
24. Gorontalo*) 2.990 3.100 3.489 4.204 4.314 4.531 4.898 4.791 4.742 4.757 4.717 4.663 4.618 4.567 4.447 4.574 4.569 24. Gorontalo
25. Sulawesi Barat*) 2.585 2.868 2.990 3.411 3.670 3.869 4.120 4.269 4.185 4.230 3.906 3.898 3.992 3.966 3.495 3.781 3.755 25. Sulawesi Barat
26. Sulawesi Tenggara*) 9.870 11.033 11.476 14.516 14.611 15.367 16.003 15.956 15.691 15.779 15.407 15.442 15.719 15.249 14.857 15.548 15.336 26. Sulawesi Tenggara
27. Nusa Tenggara Barat 12.734 14.445 16.798 19.368 19.374 20.015 20.768 20.860 20.855 21.078 20.547 20.787 20.596 20.362 21.245 20.977 21.334 27. Nusa Tenggara Barat
28. Bali 54.948 64.234 70.510 75.505 75.783 75.567 76.254 77.251 77.610 78.516 79.833 79.393 79.834 79.813 79.530 80.377 80.176 28. Bali
29. Nusa Tenggara Timur 14.884 16.402 18.571 21.688 21.775 22.138 22.821 23.757 24.083 23.899 23.102 22.617 22.672 22.780 21.627 21.861 21.746 29. Nusa Tenggara Timur
30. Maluku 8.340 9.379 10.509 12.124 12.231 12.502 12.860 13.118 12.695 12.830 12.519 12.197 11.939 11.985 11.649 11.771 11.658 30. Maluku
31. Papua 27.148 29.424 33.717 36.232 36.768 36.680 38.812 39.603 39.847 39.038 41.131 39.975 38.806 40.649 38.647 37.689 37.741 31. Papua
32. Maluku Utara 4.425 4.831 5.217 6.230 6.422 6.501 6.702 6.810 6.512 6.388 6.365 6.248 6.209 6.447 6.307 6.352 6.423 32. Maluku Utara
33. Papua Barat 8.284 10.906 12.385 12.407 12.152 11.949 13.037 12.850 12.807 12.196 13.029 12.846 12.280 13.915 12.591 11.847 12.471 33. Papua Barat
34. Lainnya 4.976 8.876 9.968 10.936 9.427 10.307 19.287 9.941 10.060 11.866 12.139 12.531 12.236 10.649 11.767 9.926 10.284 34. Others
Total 3.225.198 3.663.968 4.114.420 4.413.056 4.437.515 4.468.955 4.478.409 4.508.452 4.574.671 4.585.381 4.610.130 4.604.579 4.652.658 4.733.977 4.836.758 4.825.336 4.846.420 Total
109
Tabel 1.47.a. Suku Bunga Rata-rata DPK Bank Umum

(Average of Interest Rate of Third Party Funds of Commercial Banks)
Persen (Percent)
2016 2017
Rupiah 2,12 2,12 2,31 2,19 2,35 2,36 2,37 2,33 2,27 2,30 2,23 2,23 2,21 2,21 2,24 2,30 2,26 - Rupiah
Valas 0,37 0,42 0,46 0,36 0,32 0,33 0,35 0,34 0,34 0,34 0,34 0,33 0,36 0,39 0,35 0,37 0,35 - Foreign Exchange
Tabungan Saving
Rupiah 1,91 2,01 2,02 1,99 1,98 1,91 1,86 1,83 1,78 1,79 1,79 1,76 1,73 1,73 1,69 1,68 1,67 - Rupiah
Rupiah 5,59 7,72 8,56 7,58 7,38 7,10 6,88 6,78 6,75 6,65 6,60 6,57 6,29 6,36 6,45 6,39 6,40 Rupiah
Valas 1,57 1,81 1,99 1,01 0,93 0,95 0,90 0,85 0,87 0,83 0,83 0,85 0,84 0,84 0,97 0,91 0,92 Foreign Exchange
Rupiah 5,90 8,03 9,14 8,15 8,05 7,83 7,58 7,34 7,20 7,12 7,07 6,99 6,84 6,84 6,79 6,76 6,79 Rupiah
Rupiah 6,04 7,37 9,22 8,54 8,50 8,37 8,19 8,02 7,82 7,58 7,45 7,34 7,09 7,13 7,08 7,04 6,98 Rupiah
Rupiah 6,05 7,14 8,76 8,58 8,47 8,32 8,21 8,11 8,04 7,98 7,87 7,69 7,31 7,40 7,35 7,30 7,18 Rupiah
110
Tabel 1.48.a. Suku Bunga Rata-rata DPK Bank Persero

(Average of Interest Rate of Third Party Funds of State Owned Banks)
Persen (Percent)
2016 2017
Rupiah 2,08 2,00 2,13 1,91 1,86 1,87 1,85 1,83 1,88 1,83 1,80 1,82 1,84 1,92 2,16 2,00 2,01 - Rupiah
Tabungan Saving
Rupiah 1,59 1,58 1,48 1,49 1,48 1,38 1,30 1,31 1,30 1,30 1,31 1,32 1,32 1,33 1,28 1,26 1,25 - Rupiah
Rupiah 5,23 7,16 8,13 7,18 7,13 6,80 6,71 6,60 6,48 6,37 6,41 6,43 6,27 6,12 6,16 6,08 6,11 Rupiah
Rupiah 5,54 7,60 8,74 7,19 7,25 7,12 7,04 6,88 6,75 6,68 6,61 6,60 6,54 6,44 6,35 6,26 6,28 Rupiah
Rupiah 5,53 6,82 8,83 7,56 7,81 7,76 7,70 7,63 7,39 6,94 6,93 6,93 6,74 6,70 6,61 6,54 6,52 Rupiah
Rupiah 5,91 7,43 9,06 8,60 8,51 8,40 8,35 8,27 8,22 8,18 8,02 7,59 7,26 7,20 7,02 6,91 6,84 Rupiah
111
Tabel 1.49.a. Suku Bunga Rata-rata DPK BUSN Devisa

(Average of Interest Rate of Third Party Funds of Foreign Exchange Commercial Banks)
Persen (Percent)
2016 2017
Rupiah 1,91 1,95 2,12 2,13 2,11 2,11 2,10 2,13 2,11 2,13 2,12 2,10 2,08 2,11 2,15 2,19 2,14 - Rupiah
Tabungan Saving
Rupiah 2,11 2,40 2,22 2,25 2,20 2,19 2,13 2,09 2,03 2,03 2,03 2,00 1,90 1,89 1,88 1,88 1,87 - Rupiah
Rupiah 5,69 7,95 8,85 7,64 7,44 7,20 6,90 6,82 6,80 6,69 6,65 6,58 6,13 6,40 6,58 6,50 6,52 Rupiah
Rupiah 5,86 8,12 9,37 8,62 8,51 8,23 7,88 7,58 7,44 7,36 7,27 7,14 6,95 7,03 6,99 6,99 6,98 Rupiah
Rupiah 5,75 7,21 9,28 8,81 8,75 8,59 8,36 8,13 7,93 7,72 7,52 7,38 7,09 7,26 7,13 7,06 7,01 Rupiah
Rupiah 5,48 6,49 8,09 8,24 8,10 7,94 7,80 7,66 7,62 7,59 7,52 7,45 6,94 7,35 7,19 7,14 7,02 Rupiah
112
Tabel 1.50.a. Suku Bunga Rata-rata DPK BUSN Non Devisa

(Average of Interest Rate of Third Party Funds of Non-Foreign Exchange Commercial Banks)
Persen (Percent)
2016 2017
Rupiah 3,25 4,48 3,60 2,88 3,74 3,43 3,40 3,32 3,42 2,80 2,94 3,14 3,26 3,05 2,32 2,72 2,70 - Rupiah
Valas - - - - - - - - - - - - - - - - - - Foreign Exchange
Tabungan Saving
Rupiah 3,70 4,33 3,23 3,03 4,21 4,21 3,99 3,93 3,92 3,96 4,05 3,97 3,78 3,86 3,25 3,34 3,31 - Rupiah
Valas - - - - - - - - - - - - - - - - - - Foreign Exchange
Rupiah 6,90 8,50 9,55 9,01 8,55 8,25 8,06 7,83 7,93 7,92 7,47 7,51 7,47 7,56 7,50 7,42 7,41 Rupiah
Rupiah 7,22 8,55 9,87 9,44 9,16 8,90 8,73 8,52 8,40 8,34 8,10 8,04 8,01 8,03 7,79 7,85 7,89 Rupiah
Rupiah 7,45 8,88 9,82 9,00 9,59 9,44 9,31 9,08 8,86 8,71 8,60 8,39 8,31 8,23 8,06 8,07 8,08 Rupiah
Rupiah 7,67 8,40 9,20 8,44 8,88 8,79 8,74 8,69 8,65 8,65 8,76 8,57 8,51 8,47 8,05 7,97 7,85 Rupiah

113
Tabel 1.51.a. Suku Bunga Rata-rata DPK Bank Pembangunan Daerah

(Average of Interest Rate of Third Party Funds of Regional Development Banks)
Persen (Percent)
2016 2017
Rupiah 2,67 2,44 2,47 2,47 2,93 2,88 2,89 2,78 2,72 2,80 2,66 2,71 2,59 2,45 2,32 2,65 2,56 - Rupiah
Tabungan Saving
Rupiah 2,54 2,31 2,18 2,06 2,06 2,05 2,01 1,96 1,92 1,97 1,92 1,88 1,87 1,95 1,91 1,92 1,92 - Rupiah
Rupiah 6,08 7,76 8,09 7,91 7,79 7,60 7,36 7,21 7,24 7,18 7,25 7,25 7,10 7,04 7,30 7,26 7,13 Rupiah
Rupiah 6,57 8,06 9,09 8,19 8,22 8,00 7,78 7,67 7,46 7,25 7,36 7,37 7,23 7,22 7,50 7,61 7,61 Rupiah
Rupiah 6,76 7,73 9,31 8,36 8,31 8,11 8,00 7,98 7,91 7,65 7,57 7,54 7,31 7,14 7,68 7,75 7,69 Rupiah
Rupiah 6,96 7,31 8,97 9,03 8,90 8,72 8,53 8,46 8,36 8,21 8,22 8,29 7,98 7,72 8,26 8,28 8,13 Rupiah
114
Tabel 1.52.a. Suku Bunga Rata-rata DPK Bank Campuran

(Average of Interest Rate of Third Party Funds of Joint Venture Banks)
Persen (Percent)
2016 2017
Rupiah 1,70 1,57 2,27 2,17 2,04 2,08 2,05 1,96 1,93 2,16 2,06 1,83 2,21 2,12 2,23 2,12 2,13 - Rupiah
Tabungan Saving
Rupiah 2,14 1,92 2,77 2,66 2,41 2,25 2,27 2,19 2,14 2,19 2,43 2,17 1,99 2,05 2,08 2,09 1,97 - Rupiah
Rupiah 5,66 7,93 8,61 8,08 7,69 7,23 6,82 6,71 6,76 6,61 6,49 6,44 6,44 6,32 6,38 6,18 6,08 Rupiah
Rupiah 6,17 8,49 9,20 8,80 8,62 8,27 7,89 7,61 7,42 7,36 7,31 7,23 7,18 7,07 7,01 6,97 6,93 Rupiah
Rupiah 6,64 7,73 9,41 8,95 8,95 8,84 8,60 8,38 8,12 7,81 7,46 7,33 7,27 7,17 7,09 7,04 6,94 Rupiah
Rupiah 6,76 7,12 9,17 8,78 8,71 8,59 8,39 8,28 8,18 8,12 7,96 7,64 7,73 7,64 7,55 7,40 7,22 Rupiah
115
Tabel 1.53.a. Suku Bunga Rata-rata DPK Bank Asing

(Average of Interest Rate of Third Party Funds of Foreign Owned Banks)
Persen (Percent)
2016 2017
Rupiah 1,71 2,92 2,33 2,16 1,99 2,09 2,25 1,88 1,97 2,00 1,86 1,70 1,86 2,29 2,00 2,32 2,07 - Rupiah
Tabungan Saving
Rupiah 1,17 1,16 1,09 1,26 1,29 1,35 1,54 1,44 1,44 1,48 1,53 1,56 1,53 1,58 1,71 1,78 1,84 - Rupiah
Rupiah 4,52 7,20 6,72 6,94 6,36 5,81 5,62 5,37 5,70 5,64 5,40 5,29 5,30 5,16 5,22 5,04 5,04 Rupiah
Rupiah 5,06 8,24 8,68 7,87 8,09 7,86 7,57 7,32 7,09 7,02 6,88 6,71 6,55 6,33 6,26 6,22 6,25 Rupiah
Rupiah 4,90 7,18 9,45 8,48 8,25 8,04 7,88 7,76 7,59 7,47 7,30 7,22 7,15 7,06 6,96 6,91 6,78 Rupiah
Rupiah 5,70 6,40 9,61 8,69 8,62 8,58 8,50 8,32 8,08 7,91 7,71 7,55 7,44 7,31 7,20 7,12 6,93 Rupiah
116
Tabel 1.54.a. Suku Bunga Rata-rata Kredit Bank Umum Kepada Pihak Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Average of Credit Interest Rate of Commercial Banks to Parties Non Bank Based on Industrial Origin and Non Industrial Origin Credit Recipients)
Persen (Percent)
2016 2017
Penerima Kredit Lapangan Usaha Credit Recipients Industrial Origin
1. Pertanian, perburuan dan Kehutanan 1. Agricultures, hunting and forestry
Rupiah 11,32 11,78 12,14 11,86 11,75 11,65 11,52 11,40 11,32 11,28 11,23 11,14 11,09 11,01 10,77 10,76 11,01 Rupiah
2. Perikanan 2. Fisheries
Rupiah 13,37 13,51 13,84 12,90 13,19 12,84 12,59 12,14 12,06 11,97 12,27 12,04 12,14 12,04 11,95 12,01 12,04 Rupiah
3. Pertambangan dan Penggalian 3. Mining and Quarrying
Rupiah 11,29 11,82 12,68 12,46 12,73 12,71 12,59 12,08 11,99 11,88 11,79 11,71 12,18 12,13 11,86 11,77 12,13 Rupiah
4. Industri Pengolahan 4. Procesing industry
Rupiah 9,98 11,01 11,63 11,49 11,46 11,31 11,19 11,08 10,94 10,86 10,81 10,73 10,73 10,63 10,52 10,49 10,63 Rupiah
5. Listrik, gas dan air 5. Electricity, gas and water
Rupiah 8,93 9,59 10,60 10,61 10,56 10,42 10,33 10,19 9,90 9,83 9,87 9,88 9,83 9,66 9,71 9,76 9,66 Rupiah
6. Konstruksi 6. Construction
Rupiah 11,49 12,08 12,88 12,50 12,37 12,28 12,18 12,07 11,97 11,93 11,91 11,78 11,69 11,60 11,58 11,41 11,60 Rupiah
7. Perdagangan Besar dan Eceran 7. Big and retail trade
Rupiah 12,67 13,21 13,63 13,31 13,22 13,09 12,90 12,74 12,61 12,54 12,48 12,32 12,31 12,23 12,02 12,06 12,23 Rupiah
8. Penyediaan akomodasi dan penyediaan makan 8. Provision of accomodation and food supply
minum
Rupiah 12,05 12,55 13,18 12,76 12,63 12,56 12,48 12,43 12,37 12,29 12,22 12,05 11,98 11,85 11,66 11,62 11,85 Rupiah
9. Transportasi, pergudangan dan komunikasi 9. Transportation, warehousing and communications
Rupiah 10,54 11,08 11,87 11,62 11,63 11,39 11,21 11,09 10,96 10,94 10,95 10,93 11,03 10,97 10,91 10,84 10,97 Rupiah
10. Perantara Keuangan 10. Transitional Finance
Rupiah 9,69 10,47 12,11 11,83 11,56 11,42 11,47 11,06 10,96 11,13 11,01 11,00 10,80 10,69 10,66 10,56 10,69 Rupiah
11. Real Estate, Usaha Persewaan, dan Jasa 11. Real estate, Rental Business, and services
Perusahaan
Rupiah 12,12 12,47 12,63 12,44 12,22 12,19 12,12 11,98 11,81 11,79 11,79 11,67 11,70 11,70 11,66 11,63 11,70 Rupiah
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 12. Government administration, the defense and
Sosial Wajib compulsory social security
Rupiah 11,95 4,52 12,01 11,14 10,50 10,47 11,20 10,50 10,67 10,38 10,26 11,33 10,45 9,85 9,47 9,15 9,85 Rupiah
13. Jasa Pendidikan 13. Education services
Rupiah 14,06 12,44 13,28 13,04 13,13 13,10 13,02 12,83 12,80 12,78 12,81 12,73 12,79 12,69 12,68 12,69 12,69 Rupiah
14. Jasa Kesehatan dan Kegiatan Sosial 14. Health and social services
Rupiah 12,18 12,26 13,10 11,49 12,67 12,67 12,56 12,61 12,42 12,38 12,35 12,26 12,08 12,03 12,27 12,24 12,03 Rupiah
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 15. Community, Sociocultural,Entertainment and
Perorangan lainnya Other Individual Services
Rupiah 12,67 13,26 13,75 13,30 11,91 11,74 11,59 11,55 11,43 11,51 11,55 11,45 11,54 12,75 12,62 12,57 12,75 Rupiah
16. Jasa Perorangan yang Melayani Rumah Tangga 16. Individual services which serve households
Rupiah 16,18 14,71 15,46 16,09 16,13 16,15 16,29 16,27 16,28 16,19 16,15 16,23 16,25 16,27 16,29 16,32 16,27 Rupiah
Valas - - 5,33 4,87 5,12 - - - - - - - - - - - - Foreign Exchange
17. Badan Internasional dan Badan Ekstra Internasional 17. Extra agency international agency and other
Lainnya international
Rupiah 9,50 9,65 9,98 11,89 13,03 12,42 13,21 12,39 11,94 12,17 12,32 11,85 12,99 13,03 13,04 13,11 13,03 Rupiah
18. Kegiatan yang belum jelas batasannya 18. Business Activities which are not clearly defined
Rupiah 11,51 10,56 15,20 14,29 14,91 14,99 14,80 14,43 13,80 13,82 13,52 13,47 13,73 13,70 13,67 13,87 13,70 Rupiah
Penerima Kredit Bukan Lapangan Usaha Credit Recipients Non Industrial Origin
Rumah Tangga House Hold
- Untuk Pemilikan Rumah Tinggal - For House Ownership
Rupiah 10,46 10,44 11,17 11,34 11,30 11,30 11,23 11,09 11,06 11,04 10,99 10,94 10,91 10,81 10,74 10,71 10,81 Rupiah
- Untuk Pemilikan Flat atau Apartemen - For Apartement Ownership
Rupiah 8,78 9,46 10,82 11,56 11,54 11,76 11,58 11,72 11,71 11,72 11,67 11,61 11,65 11,53 11,45 11,41 11,53 Rupiah
- Untuk Pemilikan Ruko atau Rukan - For Shop House Ownership
Rupiah 9,94 10,02 10,97 11,34 11,34 11,34 11,29 11,18 11,15 11,17 11,15 11,11 11,13 11,06 10,99 10,97 11,06 Rupiah
- Untuk Pemilikan Kendaraan Bermotor - For Vehicles Ownership
Rupiah 11,33 10,50 11,61 11,47 11,51 11,43 11,40 11,37 11,32 11,40 11,34 11,27 11,21 11,17 11,08 11,04 11,17 Rupiah
Valas 6,70 5,29 - 7,86 7,98 7,99 8,00 8,00 8,00 8,00 8,00 8,00 8,00 8,00 8,00 8,00 8,00 Foreign Exchange
- Untuk Pemilikan Peralatan Rumah Tangga Lainnya - Others
Rupiah 14,36 14,30 13,73 14,20 14,39 14,36 14,41 14,44 14,44 14,40 14,41 14,44 14,44 14,44 15,82 14,39 14,44 Rupiah
- Bukan Lapangan Usaha Lainnya - Non Industrial Origin Others
Rupiah 18,82 17,20 19,99 20,08 19,79 19,83 19,84 19,74 19,57 19,44 18,92 18,85 18,61 18,51 18,50 18,56 18,51 Rupiah
117
Tabel 1.55.a. Suku Bunga Rata-rata Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Average of Credit Interest Rate of Commercial Banks Based on Types and Orientation User)
Persen (Percent)
2016 2017
Jenis Penggunaan 2012 2013 2014 2015 Type of Use
1. Jenis Penggunaan 1. Type of Use
- Modal Kerja - Working Capital
Rupiah 11,50 12,14 12,81 12,48 12,41 12,28 12,15 11,98 11,84 11,79 11,74 11,62 11,60 11,52 11,38 11,35 11,28 Rupiah
- Investasi - Investments
Rupiah 11,28 11,83 12,36 12,12 11,93 11,84 11,72 11,60 11,49 11,45 11,42 11,36 11,34 11,33 11,21 11,17 11,10 Rupiah
- Konsumsi - Consumption
Rupiah 13,58 13,13 13,58 13,88 13,93 13,91 13,90 13,86 13,83 13,82 13,74 13,72 13,69 13,65 13,59 13,58 13,56 Rupiah
2. Orientasi Penggunaan 2. User Orientation
- Ekspor - Ekspor
Rupiah 10,18 10,93 11,55 11,09 10,68 10,40 10,44 10,38 10,33 10,31 10,31 10,28 10,16 10,23 10,03 11,20 11,37 Rupiah
- Impor - Impor
Rupiah 9,76 10,48 11,60 11,41 11,47 11,23 11,29 11,40 11,21 11,20 11,04 11,06 10,96 10,80 10,83 10,61 10,64 Rupiah
- Lainnya - Other
Rupiah 12,19 12,43 12,98 12,87 12,83 12,74 12,65 12,53 12,42 12,39 12,34 12,26 12,24 12,19 12,08 12,06 12,01 Rupiah
r) r)
Angka-angka diperbaiki Revised figures
118
Tabel 1.56.a. Perkembangan Jumlah Bank Umum dan Kantor Bank Umum
(Growth of Total Commercial Banks and Bank Offices)
2016 2017
Kelompok Bank 2012 2013 2014 2015 Group of Bank
Bank Persero State Owned Banks
Jumlah Bank 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 Total Banks
Jumlah Kantor 15.632 16.637 17.430 17.809 17.814 17.825 17.857 17.866 17.888 17.904 17.928 17.983 18.051 18.089 18.106 18.111 18.113 Total Bank Offices
BUSN Devisa Foreign Exchange

Commercial Banks
BUSN Non Devisa Non-Foreign Exchange

Commercial Banks
Jumlah Kantor 2.066 2.221 2.234 2.087 789 783 772 769 764 747 598 624 633 609 468 476 476 Total Bank Offices
BPD Regional Development

Banks
Bank Campuran Joint Venture Banks
Jumlah Kantor 384 390 285 359 361 360 360 361 374 373 371 373 356 356 355 355 355 Total Bank Offices
Bank Asing Foreign Owned Bank
Jumlah Kantor 119 115 112 102 96 96 93 93 92 92 91 92 92 91 91 92 89 Total Bank Offices
Total Total
Jumlah Kantor 29.945 31.847 32.739 32.963 32.897 32.907 32.847 32.771 32.757 32.772 32.769 32.752 32.777 32.748 32.730 32.713 32.656 Total Bank
Offices
119
Tabel 1.57.a. Perkembangan Jumlah Kantor Cabang Bank Berdasarkan Lokasi Bank
(Growth of Total Branch Offices Based on Region)
2016 2017
1. Jawa Barat 369 382 384 397 398 398 398 399 399 402 402 405 409 409 412 410 409 1. Jawa Barat
2. Banten 95 95 95 93 94 94 94 94 94 94 94 96 96 96 96 96 96 2. Banten
3. DKI Jakarta 497 501 490 541 540 540 539 540 547 547 545 546 546 545 545 546 542 3. DKI Jakarta
4. D.I. Yogyakarta 56 59 60 60 62 62 62 62 62 63 63 62 62 62 62 62 61 4. D.I. Yogyakarta
5. Jawa Tengah 300 317 320 328 332 332 332 332 332 333 334 334 342 343 345 346 349 5. Jawa Tengah
6. Jawa Timur 393 407 406 415 415 415 415 416 416 418 418 419 425 428 430 431 434 6. Jawa Timur
7. Bengkulu 28 30 32 35 35 35 35 35 35 35 36 36 36 35 35 35 35 7. Bengkulu
8. Jambi 52 58 59 61 61 61 61 61 61 62 62 62 62 62 62 62 62 8. Jambi
9. Aceh 73 75 75 78 78 78 79 79 80 80 81 81 81 81 81 81 81 9. Aceh
10. Sumatera Utara 183 188 190 205 205 205 205 205 205 206 206 207 205 206 206 207 207 10. Sumatera Utara
11. Sumatera Barat 76 79 79 85 86 86 85 86 86 86 86 86 86 86 84 84 84 11. Sumatera Barat
12. Riau 87 91 95 92 92 92 92 92 92 92 92 92 92 92 92 93 93 12. Riau
13. Sumatera Selatan 88 97 95 102 103 103 103 103 104 105 104 103 103 104 104 105 104 13. Sumatera Selatan
14. Bangka Belitung 25 27 29 27 28 28 28 28 29 29 29 30 30 30 30 30 30 14. Bangka Belitung
15. Kepulauan Riau 55 58 59 59 59 59 59 59 59 59 59 59 59 59 59 60 60 15. Kepulauan Riau
16. Lampung 56 58 59 61 61 61 61 61 62 63 63 63 63 64 64 64 64 16. Lampung
17. Kalimantan Selatan 72 76 71 72 72 72 72 72 72 72 72 72 73 73 73 73 73 17. Kalimantan Selatan
18. Kalimantan Barat 69 74 74 73 73 73 74 74 74 74 75 75 75 75 75 75 74 18. Kalimantan Barat
19. Kalimantan Timur 109 114 118 114 114 114 114 114 114 114 114 114 114 114 114 114 113 19. Kalimantan Timur
20. Kalimantan Tengah 46 46 43 43 43 43 43 44 44 44 44 44 44 44 44 44 44 20. Kalimantan Tengah
21. Sulawesi Tengah 38 39 40 41 41 41 41 42 42 42 43 43 43 43 43 43 43 21. Sulawesi Tengah
22. Sulawesi Selatan 123 129 131 131 131 131 131 131 132 132 132 132 132 132 131 131 132 22. Sulawesi Selatan
23. Sulawesi Utara 52 53 54 58 58 58 59 59 60 60 61 63 62 62 62 63 63 23. Sulawesi Utara
24. Gorontalo 16 18 18 18 19 20 20 20 20 20 20 20 20 20 20 20 20 24. Gorontalo
25. Sulawesi Barat 14 15 15 15 15 15 15 15 15 15 15 15 15 16 16 16 16 25. Sulawesi Barat
26. Sulawesi Tenggara 30 34 41 43 43 43 43 43 43 43 43 43 43 43 43 43 43 26. Sulawesi Tenggara
27. Nusa Tenggara Barat 43 49 50 52 52 52 52 52 52 52 52 52 52 52 53 53 53 27. Nusa Tenggara Barat
28. Bali 79 86 87 95 95 95 95 96 96 96 96 96 96 96 96 96 96 28. Bali
29. Nusa Tenggara Timur 51 53 54 56 57 57 57 57 57 57 57 58 57 57 58 58 58 29. Nusa Tenggara Timur
30. Maluku 30 30 32 32 32 32 32 32 32 32 32 32 32 32 32 33 33 30. Maluku
31. Papua 51 54 54 61 62 62 62 62 62 62 62 62 62 62 62 61 61 31. Papua
32. Maluku Utara 18 19 21 22 22 22 22 22 22 22 22 22 22 22 22 22 22 32. Maluku Utara
33. Irian Jaya Barat 26 27 24 23 23 25 25 25 25 25 25 25 25 25 25 26 26 33. Irian Jaya Barat
34. Lainnya 14 14 14 17 18 18 18 18 18 18 18 18 18 18 18 17 17 34. Other
Total 3.314 3.452 3.468 3.605 3.619 3.622 3.623 3.630 3.643 3.654 3.657 3.667 3.682 3.688 3.694 3.700 3.698 Total
r) Angka-angka diperbaikiuntuk seluruh Jumlah Kantor pada seluruh jenis bank umum, mulai r) Revised figures for Total Bank Offices each category of commercial banks from December 2011 - November 2015
periode Desember 2011 - November 2015
120
Tabel 2.1 Kegiatan Usaha Bank Perkreditan Rakyat
(Rural Banks Operations)
2016 2017
Penyaluran Dana Fund Disbursements
a. Kredit 49.818 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 a. Credits
b. Antar Bank Aktiva 14.935 15.374 18.540 23.483 23.494 23.664 23.708 23.679 22.084 23.772 24.240 24.785 25.328 26.074 27.705 27.420 26.706 b. Inter-Bank Assets
a. DPK 44.870 50.520 58.750 67.266 68.735 69.354 70.513 71.010 70.238 71.679 72.549 72.756 73.510 74.364 75.725 76.184 76.546 a. Third Party Funds
Deposito 30.401 33.879 39.919 46.307 47.896 48.444 49.147 49.300 49.516 50.307 50.882 50.743 50.959 51.325 51.977 52.686 53.062 Time Deposits
Tabungan 14.468 16.641 18.831 20.959 20.839 20.910 21.366 21.710 20.723 21.372 21.666 22.013 22.551 23.040 23.748 23.498 23.484 Savings Deposits
b. Antar Bank Pasiva 9.528 1.896 2.006 2.973 3.067 3.170 3.261 3.387 3.616 3.657 3.379 3.382 3.407 3.470 3.617 3.688 3.689 b. Inter-Bank Liabilities
c. Pinjaman yang Diterima 426 11.165 13.386 13.460 12.562 12.515 12.428 12.678 13.347 12.967 12.953 13.239 12.977 13.043 13.613 13.217 13.014 c. Loans received
d. Kewajiban Segera 466 421 452 586 636 622 798 734 807 676 655 684 626 645 667 650 694 d. Immediate Liabilities
Beberapa Komponen Modal Several Components of Capital
c. L/R Tahun Berjalan 2.328 2.661 2.682 2.755 464 744 961 1.220 1.386 1.593 1.870 2.106 2.416 2.725 2.936 218 489 c. Current Earnings
d. L/R Tahun Lalu (24) 564 978 1.289 3.526 3.154 2.341 2.162 1.855 1.832 1.805 1.807 1.787 1.777 1.755 4.276 3.995 d. Retained Earnings (Profit/Loss)
Ket: Sejak data November 2013 pos Antar Bank Pasiva tidak termasuk since November 2013, data Inter-Bank liabilities not include Loans received form other bank
pinjaman yang diterima dari Bank lain. Sejak data November 2013 since November 2013, data Loans received include Loans received form other bank
pos Pinjaman Yang Diterima termasuk pinjaman yang diterima dari
Bank lain.
122
Tabel 2.2 Kinerja Bank Perkreditan Rakyat

(Rural Banks Performance)
2016 2017
LDR (%) 78,63 84,34 79,79 77,81 76,89 77,22 77,67 78,06 79,67 78,18 77,88 77,71 77,43 77,19 76,24 75,36 76,15 LDR (%)
- Total Kredit 49.866 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 - Total Credit
- Penghimpunan Dana 54.535 60.024 72.914 81.908 82.533 83.148 84.292 85.025 85.015 86.138 86.999 87.517 88.018 88.985 90.997 91.094 91.336 - Funds collected
- Modal Inti 8.880 10.137 12.801 14.232 15.643 15.557 15.109 15.148 15.101 15.237 15.389 15.531 15.734 15.921 16.147 17.545 17.491 - Core Capital
NPL (%) 4,75 4,41 4,75 5,37 6,22 6,16 6,37 6,45 6,19 6,55 6,56 6,58 6,67 6,56 5,83 6,48 6,61 NPL (%)
- Kredit Non Lancar 2.369 2.610 3.252 4.018 4.692 4.695 4.916 5.046 4.938 5.191 5.233 5.267 5.357 5.312 4.765 5.302 5.474 - Non Current Credits
- Total Kredit 49.818 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 - Total Credit
ROA (%) 3,46 3,44 2,98 2,71 2,71 2,87 2,75 2,77 2,62 2,55 2,60 2,58 2,64 2,67 2,59 2,30 2,58 ROA (%)
- L/R Tahun Berjalan 2.328 2.661 2.682 2.755 464 744 961 1.220 1.386 1.593 1.870 2.106 2.416 2.725 2.936 218 489 - Current Earnings (Profit/Loss)
- Total Aktiva 67.397 77.376 89.878 101.713 102.667 103.583 104.611 105.662 105.867 107.146 108.077 108.943 109.868 111.307 113.501 113.527 113.834 - Total Aktiva
ROE (%) 32,63 32,41 27,89 24,76 24,50 25,93 24,87 24,96 23,32 22,76 23,13 23,09 23,71 24,14 23,61 20,89 23,15 ROE (%)
- L/R Tahun Berjalan 2.328 2.661 2.682 2.755 464 744 961 1.220 1.386 1.593 1.870 2.106 2.416 2.725 2.936 218 489 - Current Earnings (Profit/Loss)
- Modal Disetor 6.227 6.997 8.227 9.550 9.739 9.819 9.861 9.979 10.124 10.230 10.346 10.371 10.437 10.523 10.656 10.716 10.840 - Paid In Capital
- Cadangan Umum 909 1.214 1.389 1.579 1.621 1.664 1.727 1.755 1.766 1.772 1.785 1.789 1.792 1.793 1.778 1.807 1.837 - General Reserve
Ket: *) Angka-angka sementara *) Provisional figures
123
Tabel 2.3 Perkembangan Aset BPR Berdasarkan Lokasi BPR
(Growth of Rural Banks Asset Based on Location)
2016 2017
2. Banten 1.308 1.529 1.833 2.250 2.331 2.369 2.437 2.354 2.376 2.396 2.509 2.531 2.572 2.644 2.700 2.738 2.741 2. Banten
3. DKI Jakarta 1.579 1.625 1.889 2.124 713 734 732 2.358 2.392 2.415 739 728 712 743 755 742 751 3. DKI Jakarta
8. Jambi 644 738 759 745 762 766 771 770 763 772 785 777 780 768 779 763 773 8. Jambi
9. Aceh 138 161 168 222 234 235 237 239 240 244 243 244 245 249 251 258 259 9. Aceh
10. Sumatera Utara 877 967 1.049 1.170 1.232 1.241 1.253 1.256 1.256 1.278 1.303 1.320 1.338 1.352 1.348 1.353 1.366 10. Sumatera Utara
12. Riau 1.015 1.050 1.134 1.202 1.221 1.220 1.236 1.232 1.223 1.244 1.260 1.259 1.259 1.275 1.295 1.323 1.337 12. Riau
13. Kepulauan Riau 3.425 3.842 4.446 4.917 4.977 5.089 5.196 5.280 5.438 5.476 5.595 5.651 5.718 5.787 5.844 5.917 5.970 13. Kepulauan Riau
14. Sumatera Selatan 996 1.046 1.156 1.202 1.226 1.240 1.266 1.287 1.276 1.294 1.308 1.307 1.300 1.317 1.339 1.355 1.355 14. Sumatera Selatan
16. Lampung 5.167 6.678 7.897 8.885 8.645 8.717 8.795 8.829 9.082 9.157 9.156 9.423 9.474 9.728 10.078 10.095 10.054 16. Lampung
18. Kalimantan Barat 979 953 1.020 1.066 1.139 1.142 1.174 1.185 1.206 1.249 1.223 1.215 1.194 1.198 1.208 1.174 1.183 18. Kalimantan Barat
21. Sulawesi Tengah 955 1.372 1.535 1.878 1.952 1.955 1.949 1.985 1.987 1.983 1.981 2.063 2.054 2.112 2.209 2.190 2.235 21. Sulawesi Tengah
22. Sulawesi Selatan 925 1.064 1.310 1.448 1.586 1.597 1.623 1.649 1.720 1.751 1.830 1.898 1.955 1.995 1.995 2.005 2.032 22. Sulawesi Selatan
23. Sulawesi Utara 820 963 995 1.034 1.094 1.108 1.118 1.114 1.107 1.122 1.150 1.141 1.133 1.119 1.143 1.217 1.210 23. Sulawesi Utara
27. Nusa Tenggara Barat 840 940 1.062 1.240 1.277 1.279 1.290 1.274 1.242 1.252 1.257 1.283 1.309 1.329 1.343 1.355 1.341
27. Nusa Tenggara Barat
28. Bali 6.326 7.721 9.380 11.313 11.382 11.595 11.712 11.831 11.994 12.198 12.453 12.442 12.572 12.719 13.074 13.032 12.967 28. Bali
30. Maluku 747 1.001 1.174 1.313 1.342 1.381 1.459 1.453 1.375 1.367 1.375 1.408 1.408 1.407 1.473 1.494 1.479 30. Maluku
31. Papua 516 609 754 911 911 922 941 997 970 972 969 983 998 1.003 1.010 1.018 1.023 31. Papua
33. Papua Barat 152 221 280 437 433 419 426 446 475 478 500 519 543 558 619 592 603 33. Papua Barat
34. Lainnya - - - - - - - - - - - - - - - - - 34. Others
Total 67.397 77.376 89.878 101.713 102.667 103.583 104.611 105.662 105.867 107.146 108.077 108.943 109.868 111.307 113.501 113.527 113.834 Total
124
Tabel 2.4 Jumlah BPR Berdasarkan Total Aset

(Rural Banks Based on Total Assets)
2016 2017
Total Aset 2012 2013 2014 2015 Total Asset
12 9 12 5 8 12 9 9 10 9 11 11 13 12 10 9 8
Total Aset BPR Total Asset Rural bank
< 1 Miliar < 1 Billion
229 213 190 146 151 145 139 139 144 142 136 134 127 128 126 124 126
1 s.d 5 Miliar 1 up to 5 Billion
333 267 245 226 218 218 209 216 219 208 209 203 212 206 210 203 197
5 s.d 10 Miliar 5 up to 10 Billion
1.079 1.146 1.196 1.260 1.260 1.260 1.278 1.271 1.276 1.276 1.278 1.281 1.279 1.286 1.287 1.294 1.299
> 10 Miliar > 10 Billion
Total 1.653 1.635 1.643 1.637 1.637 1.635 1.635 1.635 1.649 1.635 1.634 1.629 1.631 1.632 1.633 1.630 1.630 Total
125
Tabel 2.5 Non Performing Loan Bank Perkreditan Rakyat

(NPL of Rural Bank)
2016 2017
Kolektibilitas 2012 2013 2014 2015 Collectibility
Kredit 49.818 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 Credit
b. Kurang Lancar 577 640 773 889 1.388 1.337 1.430 1.442 1.325 1.427 1.320 1.313 1.286 1.203 925 1.335 1.464 b. Sub-Standard
c. Diragukan 453 537 713 879 897 879 946 964 977 1.037 1.095 1.091 1.091 1.067 974 984 968 c. Doubtful
d. Macet 1.339 1.433 1.766 2.250 2.407 2.479 2.540 2.640 2.636 2.727 2.817 2.863 2.980 3.042 2.866 2.983 3.041 d. Lost
Non Performing Loan (Nominal) 2.369 2.610 3.252 4.018 4.692 4.695 4.916 5.046 4.938 5.191 5.233 5.267 5.357 5.312 4.765 5.302 5.474 Non Performing Loan (Nominal)
Rasio Non Performing Loan (%) 4,75 4,41 4,75 5,37 6,22 6,16 6,37 6,45 6,19 6,55 6,56 6,58 6,67 6,56 5,83 6,48 6,61 Non Performing Loan Ratio (%)
126
Tabel 2.6 Non Performing Loan BPR Berdasarkan Lokasi
(NPL of Rural Banks Based On Location)
2016 2017
1. Jawa Barat 501 529 700 814 885 888 921 930 868 923 935 933 958 941 858 915 938 1. Jawa Barat
2. Banten 89 99 101 110 134 124 132 139 135 142 143 154 160 158 147 167 167 2. Banten
3. DKI Jakarta 64 64 66 87 109 110 113 104 95 104 104 105 111 105 105 115 105 3. DKI Jakarta
4. D.I Yogyakarta 115 123 144 189 210 207 215 220 217 224 218 215 213 208 182 208 221 4. D.I Yogyakarta
5. Jawa Tengah 687 697 825 989 1.130 1.151 1.212 1.262 1.239 1.273 1.275 1.302 1.297 1.277 1.129 1.242 1.289 5. Jawa Tengah
6. Jawa Timur 204 247 374 536 618 634 663 660 667 694 695 700 702 691 621 656 683 6. Jawa Timur
8. Jambi 14 36 64 81 85 75 77 75 75 79 74 74 71 71 67 75 76 8. Jambi
9. Aceh 6 8 11 12 13 13 12 13 13 13 13 13 13 13 12 12 14 9. Aceh
11. Sumatera Barat 68 68 83 83 102 104 108 111 112 116 113 109 110 109 94 104 104 11. Sumatera Barat
12. Riau 89 103 112 115 124 127 129 130 129 129 132 132 132 135 125 135 140 12. Riau
13. Kepulauan Riau 62 65 80 107 139 132 139 150 139 154 160 158 167 165 148 194 212 13. Kepulauan Riau
16. Lampung 57 65 77 96 113 110 115 115 115 121 120 123 130 131 108 124 127 16. Lampung
22. Sulawesi Selatan 13 12 22 32 36 35 37 36 40 41 48 31 30 30 28 30 35 22. Sulawesi Selatan
28. Bali 103 138 168 223 354 357 382 406 407 448 479 502 518 528 444 552 566 28. Bali
30. Maluku 4 4 4 5 6 5 6 6 5 5 5 6 5 4 3 3 4 30. Maluku
31. Papua 5 7 10 16 20 20 22 23 15 15 16 17 15 15 13 14 17 31. Papua
34. Lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34. Others
Total 2.369 2.610 3.252 4.018 4.692 4.695 4.916 5.046 4.938 5.190 5.233 5.268 5.357 5.312 4.765 5.302 5.474 Total
127
Tabel 2.7 Komposisi DPK Bank Perkreditan Rakyat

(Composition of Third Party Funds of Rural Bank)
Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%) Total DPK (%)
Indikator Indicator
Total Third Total Third Total Third Total Third Total Third Total Third Total Third
Party Funds) Party Funds) Party Funds) Party Funds) Party Funds) Party Funds) Party Funds)
(%) (%) (%) (%) (%) (%) (%)
Deposito 30.401 67,75 33.879 67,06 39.919 67,95 46.307 68,84 47.896 69,68 51.977 68,64 53.062,28 69,32 Time Deposits
Tabungan 14.468 32,25 16.641 32,94 18.831 32,05 20.959 31,16 20.839 30,32 23.748 31,36 23.483,59 30,68 Saving
Total DPK 44.870 100,00 50.520 100,00 58.750 100,00 67.266 100,00 68.735 100,00 75.725 100,00 76.545,87 100,00 Total Third Party Funds
128
Tabel 2.8 Komposisi DPK BPR Berdasarkan Lokasi Penghimpunan - Februari 2017
(Composition of Third Party Funds of Rural Banks Based on Location - February 2017)
Tabungan Deposito Total DPK

(Saving Deposits) (Time Deposits) (Total of Third Party Funds) Pangsa Thd Total DPK (%)
Lokasi Location
(Portion to Total Third Party Funds (%)
1. Jawa Barat 3.450 7.972 11.423 14,92% 1. Jawa Barat
2. Banten 384 1.282 1.666 2,18% 2. Banten
3. DKI Jakarta 116 1.653 1.769 2,31% 3. DKI Jakarta
4. D.I Yogyakarta 1.321 2.767 4.089 5,34% 4. D.I Yogyakarta
5. Jawa Tengah 7.895 10.835 18.730 24,47% 5. Jawa Tengah
6. Jawa Timur 2.460 5.325 7.785 10,17% 6. Jawa Timur
7. Bengkulu 18 16 34 0,04% 7. Bengkulu
8. Jambi 88 491 579 0,76% 8. Jambi
9. Aceh 44 90 134 0,18% 9. Aceh
10. Sumatera Utara 521 540 1.060 1,39% 10. Sumatera Utara
11. Sumatera Barat 742 519 1.261 1,65% 11. Sumatera Barat
12. Riau 353 631 983 1,28% 12. Riau
13. Kepulauan Riau 579 4.351 4.930 6,44% 13. Kepulauan Riau
14. Sumatera Selatan 212 620 832 1,09% 14. Sumatera Selatan
15. Bangka Belitung 22 85 106 0,14% 15. Bangka Belitung
16. Lampung 882 4.175 5.057 6,61% 16. Lampung
17. Kalimantan Selatan 156 195 351 0,46% 17. Kalimantan Selatan
18. Kalimantan Barat 322 574 896 1,17% 18. Kalimantan Barat
19. Kalimantan Timur 88 100 188 0,24% 19. Kalimantan Timur
20. Kalimantan Tengah 138 125 263 0,34% 20. Kalimantan Tengah
21. Sulawesi Tengah 91 654 745 0,97% 21. Sulawesi Tengah
22. Sulawesi Selatan 248 994 1.241 1,62% 22. Sulawesi Selatan
23. Sulawesi Utara 186 868 1.054 1,38% 23. Sulawesi Utara
24. Sulawesi Tenggara 61 48 108 0,14% 24. Sulawesi Tenggara
25. Sulawesi Barat 7 3 10 0,01% 25. Sulawesi Barat
26. Gorontalo 9 8 17 0,02% 26. Gorontalo
27. Nusa Tenggara Barat 470 405 875 1,14% 27. Nusa Tenggara Barat
28. Bali 2.177 6.321 8.498 11,10% 28. Bali
29. Nusa Tenggara Timur 141 320 461 0,60% 29. Nusa Tenggara Timur
30. Maluku 101 489 591 0,77% 30. Maluku
31. Papua 104 276 380 0,50% 31. Papua
32. Maluku Utara 8 25 33 0,04% 32. Maluku Utara
33. Papua Barat 91 306 397 0,52% 33. Papua Barat
34. Lainnya - - - 0,00% 34. Others
Total 23.484 53.062 76.546 100,00% Total
129
Tabel 2.9 DPK BPR Berdasarkan Lokasi Penghimpunan
(Third Party Funds of Rural Banks Based on Deposits Location)
2016 2017
2. Banten 816 953 1.114 1.373 1.408 1.428 1.469 1.445 1.405 1.435 1.475 1.491 1.521 1.559 1.641 1.654 1.666 2. Banten
3. DKI Jakarta 1.063 1.001 1.209 1.410 1.474 1.515 1.551 1.588 1.608 1.644 1.644 1.611 1.643 1.716 1.754 1.741 1.769 3. DKI Jakarta
8. Jambi 482 532 567 573 590 594 598 598 589 597 607 604 602 589 580 568 579 8. Jambi
9. Aceh 61 80 85 112 120 121 124 126 128 123 122 124 124 126 129 134 134 9. Aceh
10. Sumatera Utara 612 690 774 889 939 948 962 966 960 981 1.003 1.017 1.023 1.039 1.038 1.046 1.060 10. Sumatera Utara
11. Sumatera Barat 972 917 973 1.103 1.101 1.102 1.118 1.103 1.066 1.128 1.152 1.174 1.194 1.211 1.238 1.252 1.261 11. Sumatera Barat
12. Riau 678 699 787 854 872 873 899 899 885 905 923 919 921 938 951 975 983 12. Riau
16. Lampung 3.249 3.373 3.724 4.362 4.582 4.542 4.617 4.519 4.476 4.603 4.623 4.640 4.725 4.807 4.881 5.046 5.057 16. Lampung
22. Sulawesi Selatan 476 497 721 899 1.030 1.042 1.071 1.089 1.141 1.169 1.189 1.192 1.203 1.222 1.227 1.216 1.241 22. Sulawesi Selatan
23. Sulawesi Utara 588 728 772 847 924 925 940 946 948 976 999 977 972 964 965 1.047 1.054 23. Sulawesi Utara
28. Bali 4.054 4.959 5.905 7.007 7.100 7.256 7.409 7.538 7.571 7.753 8.000 7.938 8.053 8.162 8.354 8.491 8.498 28. Bali
30. Maluku 271 313 329 365 411 440 480 490 462 474 479 509 506 499 555 591 591 30. Maluku
31. Papua 203 229 251 294 318 335 364 359 339 342 351 347 357 355 346 369 380 31. Papua
34. Lainnya - - - - - - - - - - - - - - - - - 34. Others
Total 44.870 50.520 58.750 67.266 68.735 69.354 70.513 71.010 70.238 71.679 72.549 72.756 73.510 74.364 75.725 76.184 76.546 Total
130
Tabel 2.10 Suku Bunga Rata-rata DPK Bank Perkreditan Rakyat

(Average of Third Party Interest Rates of Rural Banks)
Persen (Percent)
2016 2017
Tabungan
4,68 4,63 4,56 5,17 5,25 5,15 5,12 5,15 5,81 5,67 4,28 4,08 3,90 3,93 3,95 3,84 3,82 Saving
Deposito
8,40 9,61 10,10 9,69 9,69 9,53 9,46 9,34 9,26 9,11 10,07 10,07 8,48 9,86 9,80 8,40 9,82 Time Deposits
Ket: Data tersedia mulai Desember 2008 Note: Data available on December 2008
r) r) revised
Revisi
131
Tabel 2.11 Suku Bunga Rata-rata Kredit BPR Berdasarkan Sektor Ekonomi
(Average of Credit Interest Rates of Rural Banks Based on Economic Sector)
Persen (Percent)
2016 2017
Sektor Ekonomi 2012 2013 2014 2015 Economic Sector
1 Pertanian, Perburuhan, dan 35,51 35,51 33,78 33,77 33,62 33,28 33,06 32,43 32,91 32,26 32,16 31,94 31,69 31,41 31,28 31,29 31,07 1. Agriculture, hunting, and forestry
Kehutanan
2 Perikanan 31,32 31,19 30,22 29,42 29,27 29,06 29,13 29,00 28,98 28,50 28,38 28,22 28,04 27,53 27,58 28,11 28,06 2. Fisheries
3 Pertambangan dan Penggalian 26,60 25,22 25,17 25,66 25,25 25,12 25,35 25,37 25,39 25,42 25,50 25,42 25,45 25,39 25,28 25,69 25,25 3. Mining and quarrying
4 Industri Pengolahan 28,44 27,62 27,68 27,98 27,90 27,69 27,52 27,50 27,28 28,89 27,15 26,86 26,86 26,48 26,31 26,40 26,10 4. Processing industry
5 Listrik, Gas dan Air 29,08 27,89 29,06 28,56 28,16 28,01 27,70 27,31 27,33 27,55 27,82 27,08 27,15 26,43 27,39 26,99 27,67 5. Electricity, gas and water
6 Konstruksi 28,59 24,93 26,31 26,72 26,22 26,39 26,65 26,63 26,67 26,62 26,66 26,66 26,62 26,38 26,35 26,09 26,04 6. Construction
7 Perdagangan Besar dan Eceran 30,41 30,24 28,91 29,27 29,31 29,27 29,26 28,93 28,79 29,05 28,75 28,62 28,39 28,05 27,93 27,91 27,77 7. Big and retail trade
8 Penyediaan Akomodasi dan 28,53 25,72 26,04 26,18 25,94 25,78 25,80 25,66 25,49 25,57 25,78 26,35 25,32 25,15 25,05 25,07 24,78 8. Provision of accommodation and food
Penyedian Makan Minum supply drinking
9 Transportasi, Pergudangan dan 27,89 27,47 26,85 26,72 26,60 26,44 26,29 26,34 26,31 26,31 26,07 25,96 25,90 25,68 25,62 25,47 25,29 9. Transportation, warehousing and
Komunikasi communications
10 Perantara Keuangan 23,52 22,80 22,19 19,84 19,70 19,82 19,71 20,03 20,39 20,29 19,86 19,50 19,47 19,18 19,23 19,72 19,24 10. Transitional finance
11 Real Estate 21,50 22,76 22,76 22,76 22,65 22,62 22,57 22,68 22,64 22,46 22,55 22,57 22,65 22,34 22,22 22,19 22,12 11. Real estate, rental business, and
services company
12 Administrasi Pemerintahan, 27,60 28,85 26,44 25,87 26,61 26,41 26,11 26,01 25,98 26,12 25,83 25,18 25,33 25,16 26,13 26,76 26,31 12. Government administration, the defense
Pertanahan Dan Jaminan Sosial and compulsory social security
13 Wajib
Jasa Pendidikan 28,20 26,41 27,97 27,73 27,64 27,42 27,55 27,51 27,36 27,83 27,44 27,37 26,90 27,13 26,95 26,62 26,44 13. Education services
14 Jasa Kesehatan dan Kegiatan Sosial 28,89 22,60 27,46 27,51 27,30 27,00 26,75 27,07 27,13 27,36 27,39 27,42 27,43 27,18 27,06 27,07 27,05 14. Health and social services
15 Jasa Kemasyarakatan, Sosial 27,98 28,63 29,43 30,05 29,80 29,66 29,50 28,46 28,52 28,45 28,41 28,33 28,66 28,24 28,56 28,53 28,21 15. Community, Sociocultural,Entertainment
Budaya, Hiburan dan Perorangan and Other Individual Services
16 Lainnya
Jasa Perorangan yang Melayani 31,15 28,94 28,71 28,01 27,72 27,63 27,57 27,85 27,82 28,46 27,80 27,68 27,50 27,32 27,17 27,24 27,14 16. Individual services serving the
Rumah Tangga household
17 Kegiatan Usaha yang Belum Jelas 28,00 29,24 28,92 28,94 29,01 28,96 28,85 28,97 28,78 28,56 28,39 28,38 27,75 27,56 27,47 27,20 27,16 17. International Agency and Other Extra
Batasannya Agency International
18 Bukan Lapangan Usaha - Rumah 26,19 25,17 24,90 24,95 25,17 24,82 24,87 25,14 25,01 25,63 24,65 24,78 24,58 24,39 24,95 24,25 24,88 18. Business Activities which are not clearly
Tangga defined
19 Bukan Lapangan Usaha - Lainnya 25,90 25,18 25,55 26,36 26,18 26,01 26,01 25,82 25,90 25,74 25,92 25,22 24,94 24,87 25,49 25,47 25,51 19. Not the business field - other
132
Tabel 2.12 Suku Bunga Rata-rata Kredit BPR Berdasarkan Jenis Penggunaan
(Average of Credit Interest Rates of Rural Banks Based on Type of Use)
Persen (Percent)
2016 2017
Modal Kerja 30,91 30,56 29,45 29,52 29,48 29,40 29,35 29,05 29,02 29,10 28,84 28,72 28,52 28,20 28,12 28,10 27,91 Total Working Capital
Investasi 26,62 25,36 25,88 26,26 26,25 26,14 26,10 25,91 25,86 25,81 25,71 25,63 25,40 25,13 25,07 24,99 25,03 Total Investment
Konsumsi 25,97 25,13 25,50 26,24 26,09 25,91 25,91 25,76 25,82 25,73 25,80 25,18 24,91 24,83 25,44 25,36 25,46 Total Consumption
Ket: Data tersedia mulai Desember 2008 Note: Data available on December 2008
r) r)
revisi revised
133
Tabel 2.13 Perkembangan Jumlah Bank Perkreditan Rakyat

(Growth of Total Rural Banks)
2016 2017
Keterangan 2012 2013 2014 2015 Information
Jumlah BPR 1.653 1.635 1.643 1.637 1.637 1.635 1.635 1.635 1.636 1.635 1.634 1.629 1.631 1.632 1.633 1.630 1.630 Total Rural Banks
134
Tabel 2.14 Perkembangan Jumlah BPR dan Kantor BPR Berdasarkan Lokasi - Februari 2017
(Growth of Total Rural Bank and Rural Banks Offices Based on Location - February 2017)
BPR (Rural Bank)

Lokasi Total Location
KP KC KPK
1. Jawa Barat 287 333 429 1.049 1. Jawa Barat
2. Banten 61 53 55 169 2. Banten
3. DKI Jakarta 25 12 21 58 3. DKI Jakarta
4. D.I Yogyakarta 53 40 134 227 4. D.I Yogyakarta
5. Jawa Tengah 253 522 730 1.505 5. Jawa Tengah
6. Jawa Timur 322 237 974 1.533 6. Jawa Timur
7. Bengkulu 4 5 3 12 7. Bengkulu
8. Jambi 19 8 5 32 8. Jambi
9. Aceh 5 14 24 43 9. Aceh
10. Sumatera Utara 55 41 44 140 10. Sumatera Utara
11. Sumatera Barat 91 40 92 223 11. Sumatera Barat
12. Riau 34 10 21 65 12. Riau
13. Kepulauan Riau 41 28 4 73 13. Kepulauan Riau
14. Sumatera Selatan 22 12 10 44 14. Sumatera Selatan
15. Bangka Belitung 4 3 8 15 15. Bangka Belitung
16. Lampung 26 31 12 69 16. Lampung
17. Kalimantan Selatan 26 5 4 35 17. Kalimantan Selatan
18. Kalimantan Barat 22 7 4 33 18. Kalimantan Barat
19. Kalimantan Timur 14 9 28 51 19. Kalimantan Timur
20. Kalimantan Tengah 5 2 4 11 20. Kalimantan Tengah
21. Sulawesi Tengah 9 18 21 48 21. Sulawesi Tengah
22. Sulawesi Selatan 22 9 11 42 22. Sulawesi Selatan
23. Sulawesi Utara 18 27 19 64 23. Sulawesi Utara
24. Sulawesi Tenggara 16 4 6 26 24. Sulawesi Tenggara
25. Sulawesi Barat 1 1 - 2 25. Sulawesi Barat
26. Gorontalo 4 3 2 9 26. Gorontalo
27. Nusa Tenggara Barat 29 47 38 114 27. Nusa Tenggara Barat
28. Bali 136 54 136 326 28. Bali
29. Nusa Tenggara Timur 11 4 3 18 29. Nusa Tenggara Timur
30. Maluku 2 9 6 17 30. Maluku
31. Papua 7 12 2 21 31. Papua
32. Maluku Utara 3 4 - 7 32. Maluku Utara
33. Papua Barat 3 3 3 9 33. Papua Barat
34. Lainnya - - - - 34. Others
Total 1.630 1.607 2.853 6.090 Total
135
Tabel 2.15 Kegiatan Usaha BPR Syariah

(Sharia Rural Banks Operation)
2016 2017
Penyaluran Dana iB 4.459 5.544 6.287 7.367 7.451 7.536 7.631 7.668 7.667 7.977 8.159 8.175 8.270 8.449 8.689 8.747 8.887 Disbursement of Fund iB
Pembiayaan iB 3.554 4.433 5.005 5.765 5.857 5.971 6.133 6.325 6.464 6.408 6.486 6.448 6.494 6.591 6.663 6.710 6.872 Financing iB
Antar Bank Aktiva iB 906 1.110 1.282 1.602 1.594 1.565 1.498 1.343 1.203 1.570 1.673 1.727 1.776 1.858 2.027 2.036 2.015 Interbank Assets iB
Sumber Dana iB 3.911 4.866 5.439 6.456 6.536 6.650 6.755 6.790 6.795 7.091 7.239 7.236 7.317 7.480 7.678 7.712 7.852 Source of Funds iB
Dana Pihak Ketiga 2.938 3.666 4.028 4.802 4.884 4.966 5.046 5.059 4.997 5.281 5.452 5.435 5.510 5.669 5.824 5.897 6.000 Third Party Funds
Tabungan iB Wadiah 527 668 790 997 960 963 984 982 934 977 1.041 1.046 1.034 1.105 1.179 1.166 1.149 Wadiah Savings iB
Tabungan iB Mudharabah 590 701 750 861 860 861 870 835 784 846 872 878 901 945 983 972 1.003 Mudharabah Savings iB
Deposito iB Mudharabah 1.820 2.297 2.488 2.944 3.064 3.142 3.192 3.242 3.279 3.458 3.539 3.512 3.575 3.620 3.663 3.759 3.847 Deposit Mudharabah iB
Antar Bank Passiva 855 1.104 1.265 1.480 1.483 1.506 1.530 1.548 1.618 1.636 1.611 1.621 1.627 1.622 1.655 1.617 1.656 Interbank Liabilities
Pinjaman yang Diterima 91 55 92 120 113 116 114 120 119 116 118 121 116 129 129 128 125 Loan received
Kewajiban Lainnya 27 41 54 54 56 63 65 63 61 58 58 58 65 59 69 70 72 Other Liabilities
Beberapa Komponen Modal 616 732 844 1.028 1.061 1.014 1.012 1.012 1.054 1.058 1.068 1.100 1.125 1.145 1.181 1.200 1.202 Some Components of Capital
Modal Disetor 472 556 646 840 861 861 881 897 909 909 914 877 881 890 908 913 917 Paid-In Capital
Cadangan 61 82 109 121 125 141 149 153 154 154 155 154 154 155 154 156 158 Reserves
L/R Tahun berjalan 106 129 122 138 17 28 38 50 72 75 83 109 129 138 159 23 36 Current Earnings (Profit/Loss)
L/R Tahun Lalu (24) (35) (32) (70) 58 (16) (56) (87) (81) (81) (84) (39) (38) (39) (40) 108 90 Current Earnings (Profit/Loss)
136
Tabel 2.16 Aset dan Pembiayaan BPR Syariah

(Asset and Financing of Sharia Rural Bank)
2016 2017
Aset 4.699 5.833 6.573 7.739 7.868 7.955 8.045 8.089 8.124 8.427 8.590 8.603 8.713 8.899 9.158 9.227 9.375 Assets
Pembiayaan iB 3.554 4.433 5.005 5.765 5.857 5.971 6.133 6.325 6.464 6.408 6.486 6.448 6.494 6.591 6.663 6.710 6.872 Financing iB
Lancar 3.335 4.145 4.610 5.292 5.306 5.407 5.550 5.718 5.870 5.769 5.773 5.773 5.813 5.923 6.087 6.065 6.187 Current
Kurang Lancar 73 91 136 135 195 196 199 200 200 213 197 194 188 153 109 166 191 Sub Standard
Diragukan 52 66 81 95 96 93 94 106 104 126 157 121 125 123 101 106 111 Doubtful
Macet 94 132 177 243 260 275 290 302 290 300 358 360 368 392 365 373 384 Lost
Non Performing Financing 219 288 395 473 551 563 583 608 594 639 713 675 681 668 575 645 686 Non Performing Financing
(Nominal) (Nominal)
Non Performing Financing (%) 6,15 6,50 7,89 8,20 9,40 9,44 9,51 9,51 9,18 9,97 10,99 10,47 10,49 10,13 8,63 9,61 9,98 Non Performing Financing (%)
137
Tabel 3.1. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
Penerima Kredit Lapangan Usaha Loans by Industrial Origin
1. Pertanian, Perburuan dan Kehutanan 212.386 254.954 254.432 252.958 258.002 261.630 266.091 263.487 267.794 272.951 276.453 279.205 283.827 278.047 281.608 1. Agricultures, Hunting and Forestry
NPL 3.827 4.853 5.214 5.009 5.146 5.588 5.153 5.319 5.414 5.720 5.798 5.438 6.286 6.038 5.994 NPL
2. Perikanan 7.698 8.843 8.933 9.134 11.708 9.064 9.256 9.100 9.101 9.387 9.268 9.382 9.479 9.144 9.295 2. Fisher
NPL 195 262 300 298 388 296 297 262 259 254 262 241 242 384 312 NPL
3. Pertambangan dan Penggalian 141.824 135.273 121.349 120.769 117.575 118.679 119.955 120.023 110.968 116.089 116.398 127.513 126.335 134.333 127.229 3. Mining and Quarrying
NPL 3.574 5.582 5.627 5.104 6.053 6.646 7.534 8.120 8.013 7.412 8.135 9.404 9.043 8.444 9.067 NPL
4. Industri Pengolahan 660.536 760.048 727.503 729.416 732.076 740.039 745.523 737.141 738.078 743.516 737.504 755.540 781.765 766.356 749.529 4. Procesing Industry
NPL 12.267 18.977 21.402 21.756 22.616 27.285 28.679 28.759 28.912 28.816 29.708 29.693 26.924 27.890 27.432 NPL
5. Listrik, gas dan air 81.130 99.447 100.600 98.629 99.999 101.512 111.134 115.817 116.597 121.522 125.342 133.327 135.461 135.486 133.705 5. Electricity, Gas and Water
NPL 1.547 2.289 2.244 1.753 1.729 1.738 1.842 1.854 1.980 1.618 1.624 2.002 2.218 2.207 2.195 NPL
6. Konstruksi 147.266 172.934 165.293 170.304 174.905 180.531 192.656 191.734 196.550 205.044 209.244 210.057 214.757 205.128 210.537 6. Construction
NPL 6.784 7.005 8.003 7.851 8.495 8.734 8.765 9.008 9.670 8.735 9.148 9.064 8.279 9.256 9.421 NPL
7. Perdagangan Besar dan Eceran 716.733 792.503 762.572 779.600 779.004 796.577 819.926 806.026 808.640 831.022 824.194 830.284 841.384 807.953 816.254 7. Wholesale and Retail Trade
NPL 22.782 27.948 32.231 33.075 33.833 35.025 33.192 34.293 35.036 36.699 39.033 39.652 35.789 37.501 38.181 NPL
8. Penyediaan akomodasi dan penyediaan makan 73.583 85.861 86.741 88.075 88.849 88.930 90.763 90.191 91.195 92.388 91.956 92.895 93.390 93.361 93.833 8. Provision of accomodation and theprovision of eating and
minum drinking
NPL 1.057 1.967 2.201 2.492 2.876 2.832 2.749 3.105 3.130 3.015 2.523 2.319 2.533 3.060 3.187 NPL
9. Transportasi, pergudangan dan komunikasi 171.805 177.546 175.043 175.910 175.085 176.126 177.595 173.960 171.877 168.314 165.584 165.337 171.795 167.412 166.665 9. Transportation, Warehousing
NPL 5.516 6.815 8.061 7.715 7.306 8.014 9.682 10.036 9.649 8.033 8.140 7.786 8.303 8.501 8.782 and Communications
NPL
10. Perantara Keuangan 166.182 164.681 170.850 167.326 161.159 169.745 179.546 174.943 175.231 176.858 178.074 181.062 193.946 192.524 194.881 10. Financial intermediaries
NPL 1.559 1.052 1.267 1.198 1.227 1.398 1.540 1.665 1.800 1.851 1.873 2.591 2.415 2.383 2.725 NPL
11. Real Estate, Usaha Persewaan, dan Jasa 165.466 184.755 182.728 184.036 180.858 186.909 198.244 194.220 197.921 200.836 200.004 203.183 209.999 204.867 204.083 11. Real Estate, Business, Ownership, and Business Services
Perusahaan
NPL 3.391 4.817 5.387 5.309 5.235 5.586 5.437 5.576 5.977 5.676 6.556 5.738 5.470 4.916 5.176 NPL
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 11.002 12.914 9.594 13.524 14.144 13.935 13.694 13.624 14.482 14.541 14.335 14.765 14.702 22.513 22.467 12. Government administration, Defese and Compulsory social
Sosial Wajib security
NPL 7 11 8 7 48 9 5 5 5 7 7 6 4 11 11 NPL
13. Jasa Pendidikan 6.648 8.129 7.986 8.104 8.194 8.312 8.432 8.358 8.402 8.481 8.416 8.472 8.553 8.508 8.544 13. Education Services
NPL 69 140 155 161 187 141 151 155 252 223 167 184 127 156 147 NPL
14. Jasa Kesehatan dan Kegiatan Sosial 12.325 21.488 14.890 15.063 15.204 15.434 16.245 16.175 16.105 16.180 16.917 17.167 16.966 16.266 16.309 14. Health Services and Social Activities
NPL 197 157 193 183 216 236 205 194 197 181 180 165 134 191 187 NPL
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 67.744 57.989 53.414 53.742 53.397 55.058 56.271 55.842 55.751 56.893 56.660 57.246 58.707 57.574 57.390 15. Community, Sociocultural,Entertainment and Other Individual
Perorangan lainnya Services
NPL 1.929 2.175 2.355 2.219 2.396 2.561 2.387 2.376 2.341 2.225 2.231 1.994 1.775 2.170 2.259 NPL
16. Jasa Perorangan yang Melayani Rumah Tangga 2.220 2.708 2.643 2.611 2.604 2.613 2.655 2.639 2.609 2.585 2.603 2.637 2.644 2.630 2.632 16. Individual Services which
NPL 53 54 73 74 75 74 71 72 76 74 77 72 68 76 82 Serve Households
NPL
17. Badan Internasional dan Badan Ekstra Internasional 211 110 85 85 71 176 189 48 48 99 236 240 231 186 123 17. International Agency and Other Extra Agency International
Lainnya
NPL 7 2 2 2 1 1 1 1 1 1 35 34 31 25 0 NPL
18. Kegiatan yang belum jelas batasannya 15.889 11.960 11.280 11.223 10.889 11.232 12.043 11.205 10.730 10.141 10.136 10.785 10.611 2.505 2.414 18. Business Activities which are not clearly defined
NPL 304 240 235 232 231 282 248 227 227 215 114 120 73 75 81 NPL
Penerima Kredit Bukan Lapangan Usaha Loans to Non Industrial Origin
- Untuk Pemilikan Rumah Tinggal 302.916 326.327 327.934 331.562 333.479 335.819 339.850 338.950 338.373 341.798 343.638 348.251 353.648 353.763 353.130 - For Home Ownership
NPL 6.533 7.555 8.807 8.588 8.989 9.532 8.877 9.600 9.589 9.524 9.488 9.536 8.666 9.609 10.095 NPL
- Untuk Pemilikan Flat atau Apartemen 13.236 13.017 12.773 12.967 12.622 12.945 12.899 12.814 12.710 12.742 12.743 12.830 12.922 12.873 12.863 - For Apartement Ownership
NPL 144 176 232 205 208 229 219 251 311 296 308 302 290 331 336 NPL
- Untuk Pemilikan Ruko atau Rukan 25.969 26.579 26.260 26.401 26.953 27.076 26.970 27.101 27.162 27.143 27.124 27.183 27.421 27.106 27.156 - For Shop House Ownership
NPL 651 827 914 902 970 1.086 1.029 1.079 1.136 1.130 1.120 1.158 1.063 1.101 1.160 NPL
- Untuk Pemilikan Kendaraan Bermotor 123.165 120.557 119.722 119.452 119.335 118.462 117.646 119.560 119.612 119.758 118.982 118.089 118.133 118.989 119.101 - For Vehicles Ownership
NPL 1.312 1.691 1.701 1.702 1.767 1.821 1.784 1.913 1.917 1.668 1.674 1.611 1.561 1.494 1.470 NPL
- Untuk Pemilikan Peralatan Rumah Tangga Lainnya 367.466 429.773 427.450 432.012 433.521 439.669 446.681 438.626 448.813 453.996 454.303 459.018 468.215 474.833 478.494 - Others
(termasuk pinjaman multiguna)
NPL 3.667 3.917 4.366 4.510 4.576 4.746 4.574 4.730 4.874 4.626 4.613 4.388 3.976 4.324 4.472 NPL
Bukan Lapangan Usaha Lainnya 180.908 189.508 197.833 197.546 197.074 199.982 204.044 208.857 207.541 210.092 215.403 220.473 222.306 220.632 219.838 Non Industrial Origin Others
NPL 2.017 2.419 2.785 2.732 2.728 2.755 2.736 2.824 2.780 2.729 2.749 2.749 2.864 3.171 3.218 NPL
139
Tabel 3.2. Kredit dan NPL Bank Umum Konvensional - BUKU 1

Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit and NPL Credit of Commercial Conventional Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Beneficiary-Group of Business Activities 1 )
2016 2017
1. Pertanian, Perburuan dan Kehutanan 3.249 2.032 1.986 1.866 1.663 1.661 1.575 1.605 824 859 889 935 1.080 1.043 1.134 1. Agricultures, Hunting and Forestry
NPL 109 94 102 94 107 113 113 123 56 56 59 59 58 56 62 NPL
2. Perikanan 267 192 189 195 160 155 151 150 96 97 101 99 98 101 105 2. Fisher
NPL 12 10 11 12 10 10 9 10 7 7 7 7 5 4 4 NPL
3. Pertambangan dan Penggalian 1.245 999 1.015 981 206 199 214 208 188 188 179 178 177 151 166 3. Mining and Quarrying
NPL 25 23 40 31 16 14 14 13 9 9 9 33 33 33 33 NPL
NPL 185 120 128 123 118 113 118 117 116 120 131 134 97 116 116 NPL
5. Listrik, gas dan air 165 223 254 249 189 178 173 175 147 140 137 141 134 128 123 5. Electricity, Gas and Water
NPL 1 1 1 0 0 0 0 0 0 0 1 1 0 0 0 NPL
NPL 137 95 146 145 152 142 149 151 122 136 142 138 113 125 128 NPL
NPL 615 599 590 583 613 532 488 441 317 351 335 330 306 306 311 NPL
minum drinking
NPL 38 94 112 159 158 122 123 121 40 28 29 32 28 26 27 NPL
9. Transportasi, pergudangan dan komunikasi 3.419 1.907 2.045 1.795 1.584 1.530 1.532 1.494 1.145 1.178 1.174 1.164 1.185 1.040 1.049 9. Transportation, Warehousing
NPL 39 61 39 34 31 38 46 30 30 28 35 22 22 23 and Communications
NPL
126
NPL 192 73 91 87 116 115 116 115 120 112 110 136 103 105 95 NPL
11. Real Estate, Usaha Persewaan, dan Jasa 4.732 4.446 4.325 3.858 1.953 2.033 2.032 1.960 1.855 1.719 1.726 1.762 1.804 1.750 1.729 11 Real Estate, Business, Ownership,
Perusahaan and Business Services
NPL 99 97 102 51 52 69 69 51 43 49 44 40 39 40 57 NPL
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 0 30 10 0 0 0 1 1 1 1 0 0 0 0 0 12. Government administration, Defese
Sosial Wajib and Compulsory social security
NPL - - - - 0 0 0 0 0 - - - - - - NPL
13. Jasa Pendidikan 377 199 193 118 115 115 118 116 94 97 99 107 108 98 98 13. Education Services
NPL 2 2 1 1 2 2 1 2 7 1 7 7 6 6 7 NPL
14. Jasa Kesehatan dan Kegiatan Sosial 458 508 482 414 361 372 368 366 218 224 223 234 246 246 253 14. Health Services and Social Activities
NPL 3 3 4 4 11 11 12 13 1 0 0 0 4 0 0 NPL
NPL 125 78 88 78 73 62 61 57 51 66 65 65 55 55 53 NPL
16. Jasa Perorangan yang Melayani Rumah Tangga 125 87 84 70 85 68 68 87 77 72 77 80 77 68 71 16. Individual Services which
NPL 2 3 3 3 2 2 2 2 2 3 1 1 2 2 Serve Households
NPL
4
17. Badan Internasional dan Badan Ekstra Internasional 5 - - 0 - - - - - - - - - - 0 17. International Agency and Other Extra Agency International
Lainnya
NPL 1 - - - - - - - - - - - - - - NPL
18. Kegiatan yang belum jelas batasannya 130 30 26 34 21 18 19 20 27 29 44 41 90 94 31 18. Business Activities which are not clearly defined
NPL 0 2 1 1 1 1 1 0 1 1 2 2 2 2 1 NPL
NPL 60 44 48 59 57 77 86 73 63 62 66 75 60 64 74 NPL
- Untuk Pemilikan Flat atau Apartemen 214 32 32 270 32 264 261 247 231 225 213 209 202 196 187 - For Apartement Ownership
NPL 1 0 0 1 1 8 14 7 4 6 6 7 5 4 9 NPL
- Untuk Pemilikan Ruko atau Rukan 69 68 68 56 63 62 58 57 44 45 44 43 38 27 27 - For Shop House Ownership
NPL 2 9 9 2 1 1 3 1 1 1 1 3 3 1 0 NPL
- Untuk Pemilikan Kendaraan Bermotor 1.078 277 247 223 212 199 149 141 117 110 87 82 77 70 68 - For Vehicles Ownership
NPL 5 2 2 3 5 11 11 31 22 11 6 9 8 9 10 NPL
NPL 137 83 93 99 102 106 103 111 119 120 118 125 89 106 108 NPL
NPL 185 122 125 122 123 136 122 125 127 129 130 123 112 118 120 NPL
140

(Credit and NPL Credit of Commercial Conventional Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Beneficiary-Group of Business Activities 2)
2016 2017
NPL 944 1.230 1.405 1.216 1.227 1.339 1.412 1.477 1.455 1.428 1.431 1.359 1.224 1.242 1.245 NPL
NPL 41 46 54 55 58 58 59 58 59 59 62 62 52 53 54 NPL
NPL 449 655 663 629 925 1.182 1.208 1.178 1.257 1.178 1.513 1.459 1.241 990 1.150 NPL
NPL 3.046 2.449 3.406 3.564 3.726 3.871 4.156 4.360 4.331 3.958 4.362 4.532 3.620 3.855 3.793 NPL
NPL 145 48 20 20 20 20 19 17 17 18 18 53 20 15 15 NPL
NPL 2.202 2.231 2.479 2.284 2.298 2.370 2.516 2.583 2.557 2.542 2.713 2.722 2.259 2.478 2.656 NPL
NPL 2.949 3.665 4.199 4.839 4.627 4.400 4.462 4.683 5.212 5.540 5.271 5.363 4.567 4.862 5.132 NPL
minum drinking
NPL 176 357 363 476 817 764 750 774 820 791 779 772 710 993 1.074 NPL
9. Transportasi, pergudangan dan komunikasi 30.115 16.657 17.241 17.515 17.821 17.902 18.487 18.017 18.217 17.842 17.135 17.234 16.717 16.560 16.786 9. Transportation, Warehousing and Communications
NPL 1.582 1.156 1.189 1.106 1.048 1.058 870 973 1.024 925 1.062 1.095 735 815 781 NPL
NPL 134 196 215 214 217 292 379 391 430 432 429 403 369 370 363 NPL
11. Real Estate, Usaha Persewaan, dan Jasa 37.010 42.427 41.730 43.109 45.234 45.995 46.478 45.685 46.690 47.714 49.012 49.790 50.603 50.341 48.563 11 Real Estate, Business, Ownership, and Business Services
Perusahaan
NPL 740 608 668 703 637 720 754 752 762 712 1.264 895 667 693 703 NPL
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 1.100 601 542 454 470 431 464 474 540 534 521 492 620 590 636 12. Government administration, Defese and Compulsory social
NPL 0 - - - - - - - - - - - 0 0 0 NPL
NPL 16 18 19 19 19 19 19 19 107 105 30 30 28 27 27 NPL
NPL 59 23 19 16 17 17 17 18 31 25 24 24 18 19 18 NPL
NPL 534 713 748 709 773 860 784 774 787 689 731 692 487 776 879 NPL
16. Jasa Perorangan yang Melayani Rumah Tangga 111 141 149 145 156 151 159 159 183 182 193 201 210 214 223 16. Individual Services which Serve Households
NPL 10 8 5 5 5 6 6 6 7 4 5 6 6 8 13 NPL
Lainnya
NPL 5 1 2 1 1 1 1 1 0 - 34 34 30 24 0 NPL
18. Kegiatan yang belum jelas batasannya 2.095 748 708 747 637 633 1.276 1.246 604 599 547 610 754 623 595 18. Business Activities which are not clearly defined
NPL 7 10 11 11 12 17 15 14 14 13 4 10 4 4 5 NPL
NPL 701 711 774 765 798 810 844 905 897 907 896 864 832 889 902 NPL
NPL 21 15 16 16 20 20 22 27 49 47 47 47 46 46 47 NPL
NPL 99 74 85 75 80 86 84 88 95 98 96 96 82 82 84 NPL
NPL 81 278 298 250 255 197 214 197 187 191 177 176 182 119 118 NPL
NPL 378 382 434 461 441 483 480 468 487 455 434 356 334 377 397 NPL
NPL 441 160 173 168 176 192 204 261 243 244 305 349 293 304 307 NPL
141

2016 2017
NPL 1.129 1.654 1.503 1.529 1.543 1.580 1.409 1.478 1.438 1.428 1.629 1.634 2.414 2.424 2.198 NPL
NPL 58 87 83 80 79 76 73 61 60 54 56 52 45 135 51 NPL
NPL 1.923 1.958 1.913 2.065 2.651 2.907 2.826 3.628 3.667 3.183 3.630 4.675 3.499 3.552 3.502 NPL
NPL 5.268 8.745 9.019 9.540 9.778 10.509 10.664 10.556 10.632 10.742 10.687 11.229 10.633 11.238 9.167 NPL
NPL 551 1.302 1.279 1.272 1.253 1.245 1.216 1.229 1.238 1.223 1.223 1.248 1.233 1.229 1.223 NPL
NPL 2.421 3.342 3.690 3.707 4.304 4.452 4.350 4.515 4.546 3.656 3.957 3.789 3.457 3.842 3.918 NPL
NPL 9.029 10.947 11.417 11.776 11.787 11.688 10.917 11.394 11.926 11.967 13.709 13.904 12.566 13.049 11.538 NPL
8. Penyediaan akomodasi dan penyediaan makan 30.377 32.785 32.921 33.142 32.926 33.116 33.880 33.772 34.146 34.589 34.614 35.314 35.568 35.271 26.071 8. Provision of accomodation and the provision of eating and
minum drinking
NPL 421 725 857 974 990 1.030 993 1.304 1.314 1.253 1.148 1.017 950 1.180 838 NPL
NPL 1.973 2.708 3.342 3.483 3.071 3.401 3.214 3.429 3.054 2.735 2.602 2.744 2.161 2.255 1.984 NPL
NPL 786 304 469 440 445 453 566 667 710 753 748 695 576 529 165 NPL
11. Real Estate, Usaha Persewaan, dan Jasa 68.420 72.282 73.360 73.688 72.196 73.236 76.412 74.128 77.226 77.216 76.072 76.878 80.441 77.210 64.035 11 Real Estate, Business, Ownership,
Perusahaan and Business Services
NPL 1.657 2.481 2.602 2.608 2.544 2.659 2.507 2.793 3.023 2.871 3.030 2.928 2.652 2.135 2.005 NPL
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 256 1.109 1.099 1.096 1.095 1.102 1.067 1.065 1.069 1.064 1.124 1.133 1.102 1.100 1.100 12. Government administration, Defese
Sosial Wajib and Compulsory social security
NPL 1 1 0 0 0 0 0 0 0 1 1 1 0 0 0 NPL
NPL 20 37 72 71 70 70 65 70 70 66 66 67 47 52 34 NPL
NPL 51 61 89 89 89 90 78 86 81 75 75 49 47 51 46 NPL
NPL 399 810 618 619 673 653 608 654 626 587 592 581 705 702 538 NPL
16. Jasa Perorangan yang Melayani Rumah Tangga 118 133 125 130 129 130 126 139 102 99 91 84 85 91 70 16. Individual Services which
NPL 5 Serve Households
NPL
4 6 10 9 9 9 9 8 9 9 9 7 7 7
Lainnya
NPL 1 1 0 0 0 0 0 0 1 1 1 1 1 0 0 NPL
18. Kegiatan yang belum jelas batasannya 635 2.431 2.252 1.995 2.278 2.219 2.348 1.640 1.873 1.444 1.403 1.387 1.220 1.165 1.160 18. Business Activities which are not clearly defined
NPL 9 10 9 8 7 90* 103 97 95 94 3 3 1 2 2 NPL
NPL 3.735 4.292 4.908 4.779 5.075 5.189 5.030 5.425 5.302 5.201 5.147 5.229 4.838 5.446 5.156 NPL
NPL 77 94 137 107 104 109 113 132 149 141 151 149 147 150 152 NPL
NPL 312 450 478 486 538 563 568 588 625 600 577 599 576 593 543 NPL
NPL 507 566 581 599 619 630 622 718 727 644 609 575 548 525 468 NPL
NPL 1.016 1.508 1.619 1.551 1.559 1.594 1.575 1.641 1.762 1.771 1.811 1.797 1.677 1.757 1.706 NPL
NPL 803 1.215 1.472 1.454 1.436 1.397 1.364 1.409 1.364 1.348 1.358 1.328 1.385 1.651 1.176 NPL
142

2016 2017
NPL 1.285 1.525 1.835 1.817 1.943 2.190 1.888 1.917 2.148 2.481 2.355 2.077 2.303 1.991 2.259 NPL
NPL 79 103 130 131 220 126 117 109 108 108 93 75 112 151 160 NPL
NPL 847 2.560 2.611 2.000 2.108 2.090 2.768 2.755 2.564 2.527 2.517 2.758 3.708 3.210 3.739 NPL
NPL 3.386 6.896 7.982 7.681 8.113 11.825 12.765 12.839 12.994 13.216 13.702 13.033 11.814 11.923 13.648 NPL
NPL 462 514 514 37 36 38 37 38 49 51 52 180 455 456 450 NPL
NPL 1.288 887 1.182 1.225 1.257 1.291 1.222 1.266 1.947 1.896 1.886 1.983 2.068 2.458 2.340 NPL
NPL 8.877 10.885 13.808 13.981 14.793 16.108 15.310 15.863 15.598 16.830 17.626 17.888 16.550 17.396 19.455 NPL
8. Penyediaan akomodasi dan penyediaan makan 27.224 34.150 34.307 35.066 35.784 35.468 35.883 35.542 36.076 36.500 36.226 36.483 36.830 37.105 46.451 8. Provision of accomodation and the provision of eating and
minum drinking
NPL 369 763 814 833 859 856 833 850 868 864 491 419 773 783 1.154 NPL
NPL 1.102 2.453 2.835 2.506 2.526 2.865 4.890 4.991 4.976 3.674 3.744 3.327 4.877 4.926 5.520 NPL
NPL 59 296 268 259 273 270 263 272 267 276 267 989 960 957 1.302 NPL
11. Real Estate, Usaha Persewaan, dan Jasa 49.865 57.974 56.163 56.045 54.184 57.858 64.789 64.106 63.546 65.327 64.558 65.928 67.835 66.410 80.287 11 Real Estate, Business, Ownership, and Business Services
Perusahaan
NPL 655 1.250 1.543 1.518 1.520 1.585 1.607 1.628 1.637 1.664 1.639 1.521 1.217 1.172 1.503 NPL
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 9.560 10.908 7.680 11.711 12.316 12.139 11.899 11.822 12.612 12.682 12.430 12.880 12.971 20.814 20.723 12. Government administration, Defese and Compulsory social
NPL 3 7 6 5 46 6 4 4 4 5 5 4 3 10 10 NPL
NPL 16 15 15 6 8 9 7 7 7 7 20 24 23 24 25 NPL
NPL 31 20 28 35 61 61 58 54 57 56 56 55 50 105 105 NPL
NPL 439 570 634 600 604 644 640 654 597 567 516 366 325 379 561 NPL
16. Jasa Perorangan yang Melayani Rumah Tangga 1.762 2.077 1.999 1.971 1.926 1.950 1.970 1.930 1.928 1.900 1.910 1.934 1.939 1.932 1.944 16. Individual Services which Serve Households
NPL 34 37 55 52 52 52 49 49 51 48 47 42 41 47 49 NPL
Lainnya
NPL - - - - - - - - - - - - - - - NPL
18. Kegiatan yang belum jelas batasannya 6.697 7.420 7.227 7.328 6.886 7.592 7.685 7.643 7.554 7.443 7.534 8.052 8.015 107 128 18. Business Activities which are not clearly defined
NPL 5 0 0 0 0 0 10 10 11 10 11 10 10 10 10 NPL
NPL 1.298 1.767 2.201 2.119 2.199 2.330 2.230 2.447 2.577 2.568 2.599 2.593 2.252 2.458 3.202 NPL
NPL 16 40 48 46 46 45 38 50 49 62 64 66 70 76 84 NPL
NPL 172 241 270 259 265 295 299 336 354 372 384 391 353 375 478 NPL
NPL 636 760 760 784 822 849 833 860 875 775 830 800 777 788 818 NPL
NPL 1.511 1.446 1.650 1.627 1.710 1.779 1.684 1.753 1.744 1.715 1.714 1.603 1.461 1.628 1.804 NPL
NPL 521 794 852 826 839 841 815 826 861 863 828 820 983 1.012 1.545 NPL
143
Tabel 3.6. Pembiayaan dan NPF Bank Umum Syariah - BUKU 1

(Financing and NPF of Commercial Sharia Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Beneficiary - Group of Business Activities 1)
2016 2017
Penerima Pembiayaan Lapangan Usaha Financing by Industrial Origin
1. Pertanian, Perburuan dan Kehutanan 505 397 57 60 58 60 332 335 343 363 369 397 53 75 74 1. Agricultures, Hunting and Forestry
NPF 6 11 11 10 11 20 27 18 22 23 28 23 11 11 10 NPF
2. Perikanan 109 71 3 3 3 3 8 8 8 9 9 8 3 2 3 2. Fisher
NPF 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 NPF
3. Pertambangan dan Penggalian 371 201 225 224 223 222 219 219 218 163 163 163 43 43 41 3. Mining and Quarrying
NPF 84 32 32 32 32 32 32 32 32 28 28 28 28 28 28 NPF
4. Industri Pengolahan 2.071 1.103 502 476 496 489 495 582 573 573 583 535 446 446 450 4. Procesing Industry
NPF 41 48 68 68 94 167 139 95 93 73 102 96 74 80 55 NPF
5. Listrik, gas dan air 510 180 172 170 172 175 174 172 210 205 207 212 220 218 230 5. Electricity, Gas and Water
NPF 2 2 2 2 2 2 2 2 2 2 7 7 2 2 2 NPF
6. Konstruksi 1.158 815 564 581 598 643 678 687 714 749 744 725 785 651 641 6. Construction
NPF 64 96 96 100 108 105 105 106 99 87 94 98 85 98 98 NPF
NPF 268 287 288 263 375 482 502 369 376 362 434 352 146 149 150 NPF
8. Penyediaan akomodasi dan penyediaan makan 445 214 203 163 165 168 217 215 224 223 223 227 175 198 243 8. Provision of accomodation and the provision of eating and
minum drinking
NPF 17 6 5 5 3 3 3 4 25 24 24 24 24 24 42 NPF
9. Transportasi, pergudangan dan komunikasi 1.315 1.109 813 808 805 669 795 803 790 800 798 776 631 628 640 9. Transportation, Warehousing and Communications
NPF 36 68 56 52 81 111 112 66 122 123 140 122 88 88 88 NPF
10. Perantara Keuangan 2.568 1.379 876 886 883 884 970 970 957 896 906 908 987 952 816 10. Financial intermediaries
NPF 26 23 34 34 35 33 33 33 34 34 34 33 32 30 32 NPF
11. Real Estate, Usaha Persewaan, dan Jasa 1.145 1.342 973 1.078 1.066 1.060 1.192 1.181 1.287 1.412 1.432 1.536 1.465 1.454 1.674 11 Real Estate, Business, Ownership, and Business Services
Perusahaan
NPF 29 61 67 63 98 142 144 93 277 128 290 87 598 598 622 NPF
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12. Government administration, Defese and Compulsory social
NPF - - - - - - - - - - - - - - - NPF
13. Jasa Pendidikan 417 513 509 578 590 623 633 635 664 676 672 675 674 674 679 13. Education Services
NPF 1 2 2 2 2 1 2 1 1 1 1 15 1 1 1 NPF
14. Jasa Kesehatan dan Kegiatan Sosial 204 203 197 204 222 251 275 280 283 303 316 339 361 404 406 14. Health Services and Social Activities
NPF 0 0 0 0 3 5 5 1 3 3 5 5 1 1 3 NPF
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 1.047 281 277 254 254 252 603 581 586 588 566 520 140 141 94 15. Community, Sociocultural,Entertainment and Other Individual
NPF 4 5 5 5 56 87 92 41 64 67 84 53 5 22 6 NPF
NPF 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NPF
17. Badan Internasional dan Badan Ekstra Internasional - - - - - - - - - - - - - - - 17. International Agency and Other Extra Agency International
Lainnya
NPF - - - - - - - - - - - - - - - NPF
18. Kegiatan yang belum jelas batasannya 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 18. Business Activities which are not clearly defined
NPF 0 - - - - - - - - - - - - - - NPF
Penerima Pembiayaan Bukan Lapangan Usaha Financing to Non Industrial Origin
- Untuk Pemilikan Rumah Tinggal 235 292 244 249 253 253 259 260 263 268 282 291 284 288 300 - For Home Ownership
NPF 19 21 18 20 21 25 25 25 25 27 28 29 25 26 27 NPF
NPF 0 0 - - - - 0 0 0 0 - 0 0 - - NPF
- Untuk Pemilikan Ruko atau Rukan 11 13 9 24 10 10 10 10 11 11 12 12 12 12 13 - For Shop House Ownership
NPF - - - - - - - 0 0 0 0 0 0 0 0 NPF
- Untuk Pemilikan Kendaraan Bermotor 3.715 3.174 3.247 3.291 3.369 3.461 2.143 2.213 2.334 2.415 2.448 2.458 537 530 521 - For Vehicles Ownership
NPF 47 39 46 43 45 45 22 22 23 23 27 27 1 1 0 NPF
NPF 34 42 43 41 40 42 42 44 46 47 48 49 43 48 52 NPF
Bukan Lapangan Usaha Lainnya 430 48 32 31 30 29 28 28 28 28 27 30 34 31 29 Non Industrial Origin Others
NPF 1 1 2 2 2 2 2 2 1 1 1 1 1 1 0 NPF
144

(Financing and NPF of Commercial Sharia Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Beneficiary - Group of Business Activities 2 )
2016 2017
NPF 354 131 134 123 125 163 134 138 140 146 148 142 145 178 84 NPF
2. Perikanan 338 879 981 1.047 1.050 1.026 1.112 1.089 1.036 1.123 1.063 1.052 1.155 1.140 1.138 2. Fisher
NPF 4 12 17 16 16 23 34 21 22 23 32 32 16 27 29 NPF
NPF 246 196 222 202 179 280 549 376 341 346 298 320 375 503 470 NPF
NPF 340 423 501 490 498 509 627 578 535 501 519 510 425 413 376 NPF
NPF 386 35 36 36 35 43 36 36 142 38 38 37 35 35 35 NPF
NPF 673 227 285 285 281 272 330 313 276 290 233 217 190 197 223 NPF
NPF 1.043 759 1.005 755 764 925 868 887 997 976 969 1.124 1.020 1.083 1.061 NPF
8. Penyediaan akomodasi dan penyediaan makan 806 1.127 1.183 1.202 1.180 1.241 1.142 1.114 1.095 1.213 1.240 1.273 1.268 1.176 1.143 8. Provision of accomodation and the provision of eating and
minum drinking
NPF 35 24 29 28 29 38 26 27 38 28 26 26 22 22 22 NPF
NPF 696 215 256 218 199 230 243 241 161 156 169 155 185 145 147 NPF
NPF 363 60 62 62 63 152 112 113 164 167 221 204 260 260 639 NPF
11 Real Estate, Usaha Persewaan, dan Jasa 4.295 4.585 4.763 4.794 4.757 5.207 5.679 5.549 5.611 5.654 5.439 5.435 5.852 5.801 5.886 11 Real Estate, Business, Ownership, and Business Services
Perusahaan
NPF 211 279 290 325 344 370 316 217 202 207 244 233 268 241 249 NPF
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 84 16 13 12 13 11 13 12 10 10 9 9 9 8 8 12. Government administration, Defese and Compulsory social
NPF 3 2 2 2 2 2 1 1 1 1 1 1 1 1 1 NPF
NPF 14 40 19 37 63 18 35 33 38 19 20 19 15 38 45 NPF
NPF 52 9 8 6 5 20 4 4 7 4 4 18 4 4 4 NPF
NPF 429 62 105 73 83 128 86 83 106 143 141 137 117 151 137 NPF
NPF 0 2 2 2 3 3 3 3 4 7 7 7 7 7 8 NPF
17. Badan Internasional dan Badan Ekstra Internasional - 0 0 1 - - - - - 1 1 - - - - 17. International Agency and Other Extra Agency International
Lainnya
NPF - 0 0 - - - - - - 0 0 - - - - NPF
18. Kegiatan yang belum jelas batasannya 6.330 1.311 1.066 1.119 1.065 768 715 655 671 624 606 694 531 515 499 18. Business Activities which are not clearly defined
NPF 282 218 214 212 210 174 119 106 106 97 95 95 56 57 63 NPF
NPF 720 563 650 649 634 861 462 498 508 531 515 516 488 536 544 NPF
NPF 30 16 19 30 29 38 24 26 50 30 30 19 16 46 37 NPF
NPF 65 41 59 69 73 128 62 52 46 46 48 56 38 38 44 NPF
NPF 36 41 7 17 16 84 79 81 79 20 19 21 42 49 53 NPF
(termasuk
NPF pinjaman multiguna) NPF
591 144 169 393 392 396 388 383 371 178 162 150 127 142 148
NPF 65 126 160 159 151 186 230 201 184 144 126 128 90 85 69 NPF
145

(Financing and NPF of Commercial Sharia Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Beneficiary - Group of Business Activities 3)
2016 2017
1. Pertanian, Perburuan dan Kehutanan - 4.088 4.064 4.102 3.988 4.054 3.870 3.950 3.906 3.861 4.470 4.490 4.054 3.965 3.975 1. Agricultures, Hunting and Forestry
NPF - 208 225 219 190 182 170 168 156 158 149 145 131 138 135 NPF
2. Perikanan - 47 64 67 81 82 85 84 83 82 83 81 81 81 80 2. Fisher
NPF - 4 4 3 4 4 3 2 2 2 11 12 11 13 13 NPF
3. Pertambangan dan Penggalian - 1.500 1.465 1.419 1.401 1.364 1.306 1.298 1.392 1.426 1.415 1.426 1.725 1.706 1.689 3. Mining and Quarrying
NPF - 148 147 145 142 141 137 138 142 141 140 131 160 128 147 NPF
4. Industri Pengolahan - 4.466 4.248 4.413 4.238 4.334 4.365 4.235 4.286 4.237 4.208 4.184 4.218 4.365 4.225 4. Procesing Industry
NPF - 295 298 290 290 291 209 214 210 207 206 160 262 264 277 NPF
5. Listrik, gas dan air - 2.615 2.846 3.101 3.439 3.490 3.540 3.524 3.567 3.322 3.286 3.297 4.106 4.067 4.030 5. Electricity, Gas and Water
NPF - 388 391 385 383 390 531 532 531 286 287 476 474 470 470 NPF
6. Konstruksi - 2.089 1.998 2.069 2.103 2.150 2.156 2.292 2.302 2.225 2.281 2.186 2.222 1.815 1.856 6. Construction
NPF - 128 125 104 96 101 93 75 124 126 123 118 107 57 56 NPF
7. Perdagangan Besar dan Eceran - 5.841 5.744 5.620 5.622 5.658 5.666 5.620 5.563 5.778 5.662 5.641 5.756 5.496 5.334 7. Wholesale and Retail Trade
NPF - 870 925 879 873 890 645 655 609 673 689 692 633 655 533 NPF
8. Penyediaan akomodasi dan penyediaan makan - 341 353 373 388 408 475 467 469 495 492 489 504 491 484 8. Provision of accomodation and the provision of eating and
minum drinking
NPF - 19 21 18 19 20 20 26 25 26 27 28 26 32 32 NPF
9. Transportasi, pergudangan dan komunikasi - 4.094 4.030 3.997 3.979 3.924 3.992 3.818 3.716 3.685 3.652 3.600 4.032 3.535 3.458 9. Transportation, Warehousing and Communications
NPF - 176 322 311 349 318 314 290 282 391 395 308 235 250 240 NPF
10. Perantara Keuangan - 3.956 3.746 3.839 3.942 4.346 4.594 4.665 4.914 4.887 4.882 4.718 4.689 4.589 4.086 10. Financial intermediaries
NPF - 99 127 101 78 83 73 74 74 78 64 131 116 132 129 NPF
11 Real Estate, Usaha Persewaan, dan Jasa 1.437 1.414 1.464 1.468 1.520 1.661 1.612 1.705 1.794 1.765 1.853 2.000 1.899 1.910 11 Real Estate, Business, Ownership, and Business Services
Perusahaan -
NPF - 40 45 40 39 41 39 42 33 46 46 35 30 36 36 NPF
12. Admistrasi Pemerintahan, Pertahanan dan Jaminan 250 250 250 250 250 250 250 250 250 250 250 - - - 12. Government administration, Defese and Compulsory social
Sosial Wajib - security
NPF - - - - - - - - - - - - - - - NPF
13. Jasa Pendidikan - 681 700 707 752 728 786 777 790 804 800 810 834 814 819 13. Education Services
NPF - 27 26 25 23 23 23 22 22 23 22 22 8 8 8 NPF
14. Jasa Kesehatan dan Kegiatan Sosial - 889 893 912 942 945 981 954 985 991 1.043 1.058 1.195 1.161 1.184 14. Health Services and Social Activities
NPF - 41 44 31 31 31 32 19 17 19 17 13 12 12 10 NPF
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan - 1.534 1.183 1.194 1.197 1.232 1.248 1.247 1.235 1.240 1.268 1.297 1.317 1.326 1.358 15. Community, Sociocultural,Entertainment and Other Individual
NPF - 144 158 135 133 128 116 112 109 107 102 100 81 84 85 NPF
16. Jasa Perorangan yang Melayani Rumah Tangga - 113 117 118 120 116 113 109 105 101 96 91 84 81 76 16. Individual Services which Serve Households
NPF - 1 1 2 2 3 2 3 4 5 6 8 5 6 5 NPF
17. Badan Internasional dan Badan Ekstra Internasional - - - - - - - - - - - - - - 17. International Agency and Other Extra Agency International
Lainnya -
NPF - - - - - - - - - - - - - - - NPF
18. Kegiatan yang belum jelas batasannya - 19 - - - - - - - - - - - - - 18. Business Activities which are not clearly defined
NPF - - - - - - - - - - - - - - - NPF
- Untuk Pemilikan Rumah Tinggal - 6.396 6.567 6.656 6.730 6.825 6.917 6.925 6.969 7.022 7.056 7.217 7.236 7.223 7.248 - For Home Ownership
NPF - 158 208 197 204 239 200 228 217 228 237 230 170 191 190 NPF
- Untuk Pemilikan Flat atau Apartemen - 280 275 273 271 270 269 267 258 256 254 253 246 245 239 - For Apartement Ownership
NPF - 11 12 5 7 8 6 9 9 9 9 13 7 8 8 NPF
- Untuk Pemilikan Ruko atau Rukan - 166 175 183 186 193 193 187 193 192 188 184 187 186 183 - For Shop House Ownership
NPF - 12 13 12 12 13 12 14 14 13 13 14 11 11 10 NPF
- Untuk Pemilikan Kendaraan Bermotor - 210 197 192 187 183 182 177 171 168 163 159 156 150 145 - For Vehicles Ownership
NPF - 5 6 5 4 5 4 4 4 4 4 4 3 3 3 NPF
- Untuk Pemilikan Peralatan Rumah Tangga Lainnya - 9.688 9.433 9.431 9.405 9.618 9.661 9.591 9.726 10.030 10.181 10.372 10.561 10.632 10.805 - Others
(termasuk
NPF pinjaman multiguna) NPF
- 313 359 337 332 346 300 330 345 340 325 308 246 265 257
Bukan Lapangan Usaha Lainnya - - - - - - - - - - - - - - - Non Industrial Origin Others
NPF - - - - - - - - - - - - - - - NPF
146
Tabel 3.9. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use )
2016 2017
Jenis Penggunaan Type of Use
Kredit kepada Pihak Ketiga Credit to Third Party
1. Modal Kerja 1.757.449 1.916.256 1.824.382 1.848.712 1.847.163 1.891.051 1.961.581 1.930.757 1.933.052 1.971.580 1.966.176 1.990.265 2.049.098 1.969.299 1.963.139 1. Working Capital
NPL 43.840 57.302 65.860 65.360 67.488 72.679 73.423 75.477 75.561 73.597 77.765 78.072 73.591 75.307 76.256 NPL
2. Investasi 903.194 1.035.889 1.031.557 1.031.766 1.036.557 1.045.452 1.058.634 1.053.759 1.059.692 1.075.267 1.077.145 1.108.838 1.125.467 1.135.494 1.134.358 2. Investments
NPL 21.223 27.045 29.096 29.077 30.569 33.768 34.514 35.550 37.393 37.159 37.847 38.431 36.123 37.975 38.984 NPL
3. Konsumsi 1.013.666 1.105.759 1.111.970 1.119.971 1.122.986 1.133.951 1.148.093 1.145.924 1.153.544 1.165.529 1.172.195 1.185.838 1.202.630 1.208.198 1.210.584 3. Consumption
NPL 14.324 16.586 18.804 18.639 19.238 20.169 19.219 20.398 20.592 19.973 19.951 19.744 18.422 20.029 20.752 NPL
Total Kredit 3.674.308 4.057.904 3.967.908 4.000.448 4.006.707 4.070.454 4.168.308 4.130.440 4.146.287 4.212.377 4.215.516 4.284.941 4.377.195 4.312.991 4.308.081 Total Credit
NPL 79.388 100.933 113.761 113.077 117.295 126.616 127.156 131.425 133.546 130.728 135.563 136.246 128.135 133.311 135.991 NPL
Orientasi Penggunaan User Orientation

1. Ekspor 61.014 93.281 89.877 90.503 89.482 93.222 90.845 87.206 89.284 90.402 90.695 94.218 96.852 113.737 114.948 1. Ekspor
NPL 2.224 2.327 2.119 1.923 2.035 2.216 2.130 2.532 2.685 2.647 2.790 2.380 2.059 2.901 3.170 NPL
2. Impor 56.049 62.694 57.976 58.039 56.254 56.388 54.895 54.348 51.247 49.948 48.800 48.844 44.759 43.363 43.051 2. Impor
NPL 636 2.325 2.416 2.574 2.822 2.849 2.514 2.459 2.792 2.646 2.610 2.547 1.189 1.049 805 NPL
3. Lainnya 3.557.246 3.901.930 3.820.055 3.851.906 3.860.970 3.920.844 4.022.568 3.988.886 4.005.757 4.072.026 4.076.021 4.141.879 4.235.584 4.155.891 4.150.082 3. Other
NPL 76.528 96.281 109.226 108.580 112.437 121.550 122.512 126.434 128.069 125.435 130.164 131.320 124.888 129.361 132.016 NPL
NPL 79.388 100.933 113.761 113.077 117.295 126.616 127.156 131.425 133.546 130.728 135.563 136.246 128.135 133.311 135.991 NPL
147
Tabel 3.10. Kredit dan NPL Kredit Bank Umum Konvensional - BUKU 1 Kepada Pihak Ketiga Bukan Bank
Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Commercial Conventional Banks - Group of Business Activities 1 to Non Bank Third Party
Based on Types and Orientation of Use)
2016 2017
1. Modal Kerja 42.055 29.951 29.271 27.331 23.608 23.603 23.840 23.613 19.341 19.698 20.305 20.880 21.534 20.001 20.407 1. Working Capital
NPL 1.107 863 927 830 864 831 818 774 659 676 703 758 623 654 652 NPL
2. Investasi 19.737 15.195 14.993 13.070 11.302 10.836 10.419 10.476 7.059 7.126 7.137 7.169 7.383 7.265 7.316 2. Investments
NPL 568 470 552 583 603 509 498 490 264 292 267 260 249 245 267 NPL
3. Konsumsi 48.132 40.947 41.711 43.271 43.058 44.534 39.908 39.961 37.169 37.406 37.639 37.979 37.985 38.030 38.421 3. Consumption
NPL 391 260 278 286 290 339 339 348 336 327 327 342 277 301 321 NPL
Total Kredit 109.924 86.092 85.975 83.672 77.968 78.973 74.167 74.050 63.569 64.229 65.080 66.028 66.902 65.296 66.145 Total Credit
NPL 2.067 1.594 1.758 1.699 1.757 1.679 1.655 1.611 1.259 1.296 1.297 1.361 1.149 1.200 1.239 NPL

1. Ekspor 580 28 28 13 12 12 11 10 10 10 10 10 60 53 53 1. Ekspor
NPL 3 0 0 0 0 0 0 0 0 - 0 0 - - - NPL
2. Impor 23 41 39 60 36 59 59 39 38 40 44 42 55 33 32 2. Impor
NPL 0 3 3 2 2 - - - - 3 - - - - - NPL
3. Lainnya 109.321 86.024 85.908 83.599 77.919 78.902 74.097 74.002 63.521 64.180 65.027 65.976 66.787 65.209 66.060 3. Other
NPL 2.063 1.591 1.755 1.698 1.756 1.679 1.655 1.611 1.259 1.293 1.297 1.361 1.149 1.200 1.239 NPL
NPL 2.067 1.594 1.758 1.699 1.757 1.679 1.655 1.611 1.259 1.296 1.297 1.361 1.149 1.200 1.239 NPL
148
2016 2017
NPL 8.897 9.596 11.433 11.311 11.430 11.986 12.268 12.708 13.035 12.325 13.290 13.323 10.779 11.370 11.770 NPL
NPL 4.143 3.819 4.033 4.557 4.995 5.005 5.157 5.367 5.837 6.093 6.440 6.187 5.258 5.854 6.138 NPL
NPL 1.722 1.619 1.779 1.734 1.769 1.789 1.848 1.945 1.958 1.943 1.956 1.887 1.770 1.817 1.855 NPL
NPL 14.762 15.034 17.246 17.602 18.194 18.780 19.273 20.020 20.830 20.361 21.687 21.397 17.806 19.041 19.763 NPL

1. Ekspor 14.365 17.960 17.239 15.245 14.788 16.096 15.751 15.856 15.534 16.467 16.372 14.813 14.543 13.814 14.344 1. Ekspor
NPL 363 515 341 338 336 354 340 337 336 349 343 353 303 300 300 NPL
2. Impor 8.570 7.503 7.452 7.759 8.403 9.226 9.004 9.058 8.610 8.356 8.251 8.148 5.544 5.607 5.514 2. Impor
NPL 66 190 185 184 182 188 182 181 386 383 406 411 165 165 165 NPL
3. Lainnya 610.915 502.651 499.766 499.609 511.391 520.059 531.704 529.487 543.658 535.868 537.165 547.166 540.512 535.100 537.974 3. Other
NPL 14.332 14.329 16.720 17.080 17.676 18.239 18.751 19.502 20.109 19.630 20.938 20.633 17.338 18.575 19.298 NPL
NPL 14.762 15.034 17.246 17.602 18.194 18.780 19.273 20.020 20.830 20.361 21.687 21.397 17.806 19.041 19.763 NPL
149
2016 2017
NPL 15.161 22.742 24.253 25.211 25.731 26.341 25.094 26.445 26.624 25.165 27.395 27.038 25.236 25.282 23.201 NPL
NPL 10.541 12.435 12.715 13.062 13.562 14.571 14.503 15.526 15.867 15.533 15.769 17.586 15.758 17.101 14.015 NPL
NPL 6.449 8.127 9.193 8.977 9.333 9.483 9.272 9.911 9.929 9.706 9.653 9.675 9.171 10.124 9.200 NPL
NPL 32.151 43.304 46.162 47.250 48.627 50.395 48.869 51.883 52.420 50.403 52.816 54.300 50.164 52.507 46.416 NPL

1. Ekspor 32.517 59.473 57.443 60.094 60.014 62.127 59.825 56.561 58.269 58.060 59.196 63.713 66.089 65.584 60.674 1. Ekspor
NPL 1.055 1.353 1.326 1.137 1.254 1.286 1.204 1.603 1.752 1.709 1.833 1.424 1.357 1.391 1.232 NPL
2. Impor 42.081 49.644 44.936 44.324 42.048 41.181 40.769 40.594 37.838 36.586 35.545 35.224 34.000 34.426 33.774 2. Impor
NPL 554 2.033 2.128 2.332 2.581 2.606 2.269 2.214 2.339 2.204 2.147 2.080 965 884 634 NPL
3. Lainnya 1.154.919 1.398.715 1.374.387 1.386.851 1.382.076 1.398.068 1.425.278 1.415.345 1.414.543 1.429.062 1.419.496 1.429.640 1.467.401 1.443.193 1.278.027 3. Other
NPL 30.542 39.918 42.708 43.781 44.791 46.503 45.396 48.065 48.329 46.490 48.836 50.795 47.843 50.233 44.550 NPL
NPL 32.151 43.304 46.162 47.250 48.627 50.395 48.869 51.883 52.420 50.403 52.816 54.300 50.164 52.507 46.416 NPL
150
2016 2017
NPL 14.495 20.288 24.854 23.978 25.380 29.175 30.828 31.455 31.060 31.476 32.419 32.807 32.964 33.995 36.285 NPL
NPL 4.440 8.493 9.406 8.708 9.039 10.843 11.641 11.851 12.838 12.804 12.608 11.942 12.322 12.003 16.006 NPL
NPL 4.153 5.048 5.782 5.661 5.883 6.140 5.899 6.272 6.446 6.355 6.420 6.271 5.896 6.337 7.931 NPL
NPL 23.088 33.829 40.041 38.347 40.302 46.157 48.368 49.578 50.344 50.635 51.447 51.021 51.182 52.335 60.222 NPL

1. Ekspor 13.302 15.351 14.739 14.734 14.272 14.583 14.945 14.490 15.232 15.667 14.958 15.520 16.015 34.145 39.751 1. Ekspor
NPL 802 459 452 448 446 576 587 592 597 590 613 602 399 1.210 1.638 NPL
2. Impor 4.865 5.051 5.170 5.467 5.336 5.596 4.866 4.454 4.562 4.761 4.757 5.227 4.959 3.074 3.496 2. Impor
NPL 14 57 58 57 57 56 57 58 61 56 56 55 58 - 6 NPL
3. Lainnya 1.534.907 1.761.487 1.709.049 1.729.726 1.736.978 1.768.822 1.833.856 1.813.971 1.827.850 1.871.342 1.881.398 1.924.909 1.983.748 1.938.370 2.093.758 3. Other
NPL 22.272 33.313 39.531 37.842 39.800 45.524 47.724 48.928 49.686 49.989 50.778 50.365 50.725 51.124 58.579 NPL
NPL 23.088 33.829 40.041 38.347 40.302 46.157 48.368 49.578 50.344 50.635 51.447 51.021 51.182 52.335 60.222 NPL
151
Tabel 3.14. Pembiayaan dan NPF Pembiayaan Bank Umum Syariah - BUKU 1 Kepada Pihak Ketiga Bukan Bank
(Financing and NPF of Commercial Sharia Banks- Group of Business Activities 1 to Non Bank Third Party
Based on Types and Orientation of Use )
2016 2017
Pembiayaan kepada Pihak Ketiga Financing to Third Party
NPF 348 348 383 358 372 400 368 365 411 356 383 366 331 342 344 NPF
NPF 231 293 282 279 527 792 831 496 742 601 889 579 764 789 794 NPF
NPF 101 104 109 107 109 115 92 94 96 99 105 106 71 77 80 NPF
Total Pembiayaan 25.698 17.495 14.323 14.517 14.615 14.677 14.926 15.004 15.270 15.488 15.601 15.698 11.396 11.166 11.192 Total Financing
NPF 681 746 775 744 1.009 1.307 1.292 955 1.249 1.056 1.377 1.051 1.165 1.208 1.218 NPF

1. Ekspor 181 - 0 0 0 0 0 0 0 0 0 0 0 0 0 1. Ekspor
NPF 0 - - - - - - - - - - - - - - NPF
2. Impor 372 24 - - - - - - - - - - - - - 2. Impor
NPF 0 - - - - - - - - - - - - - - NPF
3. Lainnya 25.144 17.472 14.322 14.517 14.615 14.677 14.926 15.004 15.270 15.488 15.601 15.698 11.396 11.166 11.192 3. Other
NPF 681 746 775 744 1.009 1.307 1.292 955 1.249 1.056 1.377 1.051 1.165 1.208 1.218 NPF
NPF 681 746 775 744 1.009 1.307 1.292 955 1.249 1.056 1.377 1.051 1.165 1.208 1.218 NPF
152
(Financing and NPF of Commercial Sharia Banks - Group of Business Activities 2 to Non Bank Third Party
2016 2017
NPF 3.832 1.924 2.270 2.124 2.149 2.369 2.653 2.394 2.442 2.437 2.429 2.606 2.458 2.490 2.887 NPF
NPF 1.299 771 917 748 751 980 870 784 837 710 736 672 683 873 706 NPF
NPF 1.508 932 1.064 1.318 1.295 1.693 1.246 1.241 1.237 949 901 891 801 896 896 NPF
NPF 6.639 3.627 4.252 4.191 4.195 5.042 4.769 4.419 4.517 4.096 4.067 4.169 3.942 4.259 4.489 NPF

1. Ekspor 68 469 428 418 396 404 314 289 239 199 160 161 145 141 126 1. Ekspor
NPF 0 - - - - - - - - 0 0 0 0 0 0 NPF
2. Impor 138 442 380 429 432 325 196 202 198 206 204 203 200 223 235 2. Impor
NPF 1 42 42 - - - 6 6 6 1 1 1 0 0 0 NPF
3. Lainnya 122.041 84.860 86.858 87.225 87.301 88.626 90.398 89.028 88.330 103.240 103.840 104.834 110.538 109.026 109.891 3. Other
NPF 6.638 3.584 4.210 4.191 4.195 5.042 4.763 4.413 4.511 4.095 4.066 4.168 3.941 4.258 4.489 NPF
NPF 6.639 3.627 4.252 4.191 4.195 5.042 4.769 4.419 4.517 4.096 4.067 4.169 3.942 4.259 4.489 NPF
153
(Financing and NPF of Commercial Sharia Banks - Group of Business Activities 3 to Non Bank Third Party
2016 2017

1. Modal Kerja - 16.821 15.934 16.420 16.327 17.033 17.294 17.065 17.302 17.252 17.863 17.845 18.674 17.919 17.333 1. Working Capital
NPF - 1.610 1.668 1.549 1.561 1.578 1.394 1.337 1.331 1.162 1.147 1.173 1.201 1.173 1.118 NPF
2. Investasi - 17.140 17.181 17.225 17.582 17.567 17.793 17.839 17.966 17.926 17.789 17.627 18.143 17.473 17.229 2. Investments
NPF - 977 1.190 1.139 1.091 1.068 1.014 1.036 1.007 1.126 1.138 1.205 1.088 1.111 1.058 NPF
3. Konsumsi - 16.740 16.648 16.734 16.780 17.089 17.222 17.147 17.317 17.669 17.842 18.185 18.385 18.436 18.619 3. Consumption
NPF - 499 599 556 558 610 522 586 589 594 588 570 437 479 468 NPF
Total Pembiayaan - 50.701 49.764 50.379 50.689 51.690 52.310 52.050 52.585 52.847 53.495 53.657 55.202 53.828 53.181 Total Financing
NPF - 3.085 3.457 3.245 3.211 3.256 2.930 2.959 2.927 2.882 2.872 2.948 2.727 2.762 2.644 NPF

1. Ekspor - - - - - - - - - - - - - - - 1. Ekspor
NPF - - - - - - - - - - - - - - - NPF
2. Impor - - - - - - - - - - - - - - - 2. Impor
NPF - - - - - - - - - - - - - - - NPF
3. Lainnya - 50.701 49.764 50.379 50.689 51.690 52.310 52.050 52.585 52.310 53.495 53.657 55.202 53.828 53.181 3. Other
NPF - 3.085 3.457 3.245 3.211 3.256 2.930 2.959 2.927 2.930 2.872 2.948 2.727 2.762 2.644 NPF
Total Pembiayaan - 50.701 49.764 50.379 50.689 51.690 52.310 52.050 52.585 52.310 53.495 53.657 55.202 53.828 53.181 Total Financing
NPF - 3.085 3.457 3.245 3.211 3.256 2.930 2.959 2.927 2.930 2.872 2.948 2.727 2.762 2.644 NPF
154
Tabel 3.17. Kredit dan NPL Bank Umum Konvensional dan Bank Umum Syariah berdasarkan BUKU
kepada Pihak Ketiga Bukan Bank Yang Penarikannya Menggunakan Kartu
(Credit and Non Performing Loan (NPL) of Commercial Conventional and Sharia Banks based on Group of Business Activities
to Non Bank Third Party Withdrawn By Card )
2016 2017
Pengelompokan Bank 2014 2015 Group of Banks
1. BUKU 1 - - - - - - - - - - - - 0 - - 1. BUKU 1
NPL - - - - - - - - - - - - - - - NPL
2. BUKU 2 8.758 103 121 121 133 139 156 166 182 201 215 246 265 285 302 2. BUKU 2
NPL 166 7 8 7 7 8 8 10 12 12 15 16 12 16 17 NPL
3. BUKU 3 29.239 41.914 42.624 42.143 42.377 42.473 42.635 43.232 42.659 42.872 42.945 43.908 44.684 44.689 36.547 3. BUKU 3
NPL 580 1.098 1.213 1.229 1.199 1.164 1.150 1.188 1.208 1.192 1.205 1.173 1.253 1.490 1.040 NPL
4. BUKU 4 24.932 28.523 28.485 28.443 28.291 28.617 28.562 28.579 28.692 28.806 29.180 29.617 30.691 30.434 38.492 4. BUKU 4
NPL 436 712 764 742 756 762 743 746 770 776 760 745 746 767 1.247 NPL
5 BUKU 1 SYARIAH - - - - - - - - - - - - - - - 5 BUKU 1 SYARIAH
NPF - - - - - - - - - - - - - - - NPF
6 BUKU 2 SYARIAH 403 385 330 390 389 399 401 387 352 377 368 386 368 364 329 6 BUKU 2 SYARIAH
NPF 17 19 27 31 34 39 43 32 19 24 27 30 18 21 12 NPF
7 BUKU 3 SYARIAH 403 - - - - - - - - - - - - - - 7 BUKU 3 SYARIAH
NPF 17 - - - - - - - - - - - - - - NPF
8 Bank Umum 63.332 70.926 71.560 71.097 71.191 71.628 71.754 72.364 71.885 72.255 72.708 74.157 76.007 75.771 75.670 8 Commercial Bank
NPL 1.200 1.836 2.013 2.010 1.997 1.973 1.943 1.976 2.010 2.004 2.007 1.965 2.029 2.293 2.316 NPL
155
Tabel 3.1.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
Keterangan 2011 2012 2013 2014 2015 Items
1. Pertanian, Perburuan dan Kehutanan 109.790 142.451 177.162 212.386 254.954 254.432 252.958 258.002 261.630 266.091 263.487 267.794 272.951 276.453 279.205 283.827 278.047 281.608 1. Agricultures, Hunting and Forestry
NPL 1.523 2.603 2.553 3.827 4.853 5.214 5.009 5.146 5.588 5.153 5.319 5.414 5.720 5.798 5.438 6.286 6.038 5.994 NPL
2. Perikanan 4.935 5.492 6.391 7.698 8.843 8.933 9.134 11.708 9.064 9.256 9.100 9.101 9.387 9.268 9.382 9.479 9.144 9.295 2. Fisher
NPL 291 197 185 195 262 300 298 388 296 297 262 259 254 262 241 242 384 312 NPL
3. Pertambangan dan Penggalian 87.780 104.207 126.826 141.824 135.273 121.349 120.769 117.575 118.679 119.955 120.023 110.968 116.089 116.398 127.513 126.335 134.333 127.229 3. Mining and Quarrying
NPL 302 1.292 1.920 3.574 5.582 5.627 5.104 6.053 6.646 7.534 8.120 8.013 7.412 8.135 9.404 9.043 8.444 9.067 NPL
4. Industri Pengolahan 344.597 445.807 577.880 660.536 760.048 727.503 729.416 732.076 740.039 745.523 737.141 738.078 743.516 737.504 755.540 781.765 766.356 749.529 4. Procesing Industry
NPL 11.746 10.479 10.023 12.267 18.977 21.402 21.756 22.616 27.285 28.679 28.759 28.912 28.816 29.708 29.693 26.924 27.890 27.432 NPL
5. Listrik, gas dan air 45.841 59.073 79.493 81.130 99.447 100.600 98.629 99.999 101.512 111.134 115.817 116.597 121.522 125.342 133.327 135.461 135.486 133.705 5. Electricity, Gas and Water
NPL 247 253 587 1.547 2.289 2.244 1.753 1.729 1.738 1.842 1.854 1.980 1.618 1.624 2.002 2.218 2.207 2.195 NPL
6. Konstruksi 75.395 95.921 116.090 147.266 172.934 165.293 170.304 174.905 180.531 192.656 191.734 196.550 205.044 209.244 210.057 214.757 205.128 210.537 6. Construction
NPL 2.865 3.410 4.746 6.784 7.005 8.003 7.851 8.495 8.734 8.765 9.008 9.670 8.735 9.148 9.064 8.279 9.256 9.421 NPL
7. Perdagangan Besar dan Eceran 375.017 499.567 644.047 716.733 792.503 762.572 779.600 779.004 796.577 819.926 806.026 808.640 831.022 824.194 830.284 841.384 807.953 816.254 7. Wholesale and Retail Trade
NPL 12.500 12.668 15.898 22.782 27.948 32.231 33.075 33.833 35.025 33.192 34.293 35.036 36.699 39.033 39.652 35.789 37.501 38.181 NPL
8. Penyediaan akomodasi dan penyediaan makan 30.425 44.640 59.306 73.583 85.861 86.741 88.075 88.849 88.930 90.763 90.191 91.195 92.388 91.956 92.895 93.390 93.361 93.833 8. Provision of accomodation and the
minum provision of eating and drinking
NPL 629 443 571 1.057 1.967 2.201 2.492 2.876 2.832 2.749 3.105 3.130 3.015 2.523 2.319 2.533 3.060 3.187 NPL
9. Transportasi, pergudangan 97.966 122.235 163.418 171.805 177.546 175.043 175.910 175.085 176.126 177.595 173.960 171.877 168.314 165.584 165.337 171.795 167.412 166.665 9. Transportation, Warehousing
dan komunikasi and Communications
NPL 2.400 2.522 3.208 5.516 6.815 8.061 7.715 7.306 8.014 9.682 10.036 9.649 8.033 8.140 7.786 8.303 8.501 8.782 NPL
10. Perantara Keuangan 105.184 124.958 151.154 166.182 164.681 170.850 167.326 161.159 169.745 179.546 174.943 175.231 176.858 178.074 181.062 193.946 192.524 194.881 10. Financial intermediaries
NPL 309 193 427 1.559 1.052 1.267 1.198 1.227 1.398 1.540 1.665 1.800 1.851 1.873 2.591 2.415 2.383 2.725 NPL
11. Real Estate, Usaha Persewaan, 116.201 150.568 193.182 165.466 184.755 182.728 184.036 180.858 186.909 198.244 194.220 197.921 200.836 200.004 203.183 209.999 204.867 204.083 11. Real Estate, Business, Ownership,
dan Jasa Perusahaan and Business Services
NPL 1.767 2.446 3.477 3.391 4.817 5.387 5.309 5.235 5.586 5.437 5.576 5.977 5.676 6.556 5.738 5.470 4.916 5.176 NPL
12. Admistrasi Pemerintahan, Pertahanan 3.014 2.793 6.498 11.002 12.914 9.594 13.524 14.144 13.935 13.694 13.624 14.482 14.541 14.335 14.765 14.702 22.513 22.467 12. Government administration, Defense
dan Jaminan Sosial Wajib and Compulsory social security
NPL 15 5 4 7 11 8 7 48 9 5 5 5 7 7 6 4 11 11 NPL
13. Jasa Pendidikan 4.064 4.612 5.477 6.648 8.129 7.986 8.104 8.194 8.312 8.432 8.358 8.402 8.481 8.416 8.472 8.553 8.508 8.544 13. Education Services
NPL 63 50 57 69 140 155 161 187 141 151 155 252 223 167 184 127 156 147 NPL
14. Jasa Kesehatan dan Kegiatan Sosial 7.611 8.671 10.153 12.325 21.488 14.890 15.063 15.204 15.434 16.245 16.175 16.105 16.180 16.917 17.167 16.966 16.266 16.309 14. Health Services and Social Activities
NPL 334 396 197 197 157 193 183 216 236 205 194 197 181 180 165 134 191 187 NPL
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 39.294 45.006 53.861 67.744 57.989 53.414 53.742 53.397 55.058 56.271 55.842 55.751 56.893 56.660 57.246 58.707 57.574 57.390 15. Community, Sociocultural,
Perorangan lainnya Entertainment and Other Individual
Services
NPL 774 1.088 1.181 1.929 2.175 2.355 2.219 2.396 2.561 2.387 2.376 2.341 2.225 2.231 1.994 1.775 2.170 2.259 NPL
16. Jasa Perorangan yang Melayani 691 711 1.537 2.220 2.708 2.643 2.611 2.604 2.613 2.655 2.639 2.609 2.585 2.603 2.637 2.644 2.630 2.632 16. Individual Services which
Rumah Tangga Serve Households
NPL 37 49 34 53 54 73 74 75 74 71 72 76 74 77 72 68 76 82 NPL
17. Badan Internasional dan 3.305 501 318 211 110 85 85 71 176 189 48 48 99 236 240 231 186 123 17. International Agency and Other Extra
Badan Ekstra Internasional Lainnya Agency International
NPL 53 8 6 7 2 2 2 1 1 1 1 1 1 35 34 31 25 0 NPL
18. Kegiatan yang belum jelas 81.689 50.396 3.984 15.889 11.960 11.280 11.223 10.889 11.232 12.043 11.205 10.730 10.141 10.136 10.785 10.611 2.505 2.414 18. Business Activities which are not
batasannya clearly defined
NPL 1.339 892 25 304 240 235 232 231 282 248 227 227 215 114 120 73 75 81 NPL
- Untuk Pemilikan Rumah Tinggal 176.659 211.476 268.764 302.916 326.327 327.934 331.562 333.479 335.819 339.850 338.950 338.373 341.798 343.638 348.251 353.648 353.763 353.130 - For Home Ownership
NPL 3.291 4.395 5.766 6.533 7.555 8.807 8.588 8.989 9.532 8.877 9.600 9.589 9.524 9.488 9.536 8.666 9.609 10.095 NPL
- Untuk Pemilikan Flat atau Apartemen 5.573 10.275 12.024 13.236 13.017 12.773 12.967 12.622 12.945 12.899 12.814 12.710 12.742 12.743 12.830 12.922 12.873 12.863 - For Apartement Ownership
NPL 57 86 89 144 176 232 205 208 229 219 251 311 296 308 302 290 331 336 NPL
- Untuk Pemilikan Ruko atau Rukan 15.207 19.988 24.979 25.969 26.579 26.260 26.401 26.953 27.076 26.970 27.101 27.162 27.143 27.124 27.183 27.421 27.106 27.156 - For Shop House Ownership
NPL 260 380 532 651 827 914 902 970 1.086 1.029 1.079 1.136 1.130 1.120 1.158 1.063 1.101 1.160 NPL
- Untuk Pemilikan Kendaraan Bermotor 105.725 98.658 104.458 123.165 120.557 119.722 119.452 119.335 118.462 117.646 119.560 119.612 119.758 118.982 118.089 118.133 118.989 119.101 - For Vehicles Ownership
NPL 998 1.082 849 1.312 1.691 1.701 1.702 1.767 1.821 1.784 1.913 1.917 1.668 1.674 1.611 1.561 1.494 1.470 NPL
- Untuk Pemilikan Peralatan Rumah Tangga 119.841 278.867 277.825 367.466 429.773 427.450 432.012 433.521 439.669 446.681 438.626 448.813 453.996 454.303 459.018 468.215 474.833 478.494 - Others
Lainnya (termasuk pinjaman multiguna)
NPL 1.413 2.663 2.483 3.667 3.917 4.366 4.510 4.576 4.746 4.574 4.730 4.874 4.626 4.613 4.388 3.976 4.324 4.472 NPL
Bukan Lapangan Usaha Lainnya 244.288 180.987 222.068 180.908 189.508 197.833 197.546 197.074 199.982 204.044 208.857 207.541 210.092 215.403 220.473 222.306 220.632 219.838 Non Industrial Origin Others
NPL 4.482 2.995 3.462 2.017 2.419 2.785 2.732 2.728 2.755 2.736 2.824 2.780 2.729 2.749 2.749 2.864 3.171 3.218 NPL
156
Tabel 3.2.a. Kredit dan NPL Bank Persero Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of State Owned Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
NPL 677 1.397 1.186 1.291 1.432 1.734 1.722 1.851 2.098 1.795 1.812 2.038 2.364 2.239 1.963 2.182 1.882 1.925 NPL
NPL 209 108 112 88 105 132 134 223 129 121 113 112 112 97 79 115 155 163 NPL
NPL 83 217 217 881 2.592 2.647 2.036 2.070 2.058 2.732 2.724 2.529 2.490 2.476 2.715 3.661 3.164 3.654 NPL
NPL 4.740 4.499 3.883 3.388 6.729 7.738 7.339 7.685 11.406 12.196 12.270 12.438 12.662 13.157 12.495 11.273 11.379 11.412 NPL
NPL 39 14 13 441 494 495 17 16 17 16 26 37 39 39 168 434 435 424 NPL
NPL 1.133 1.198 1.598 2.012 1.910 2.262 2.309 2.366 2.417 2.213 2.350 3.100 2.986 3.014 3.017 2.924 3.609 3.488 NPL
NPL 6.206 6.391 7.887 8.537 10.603 12.949 13.289 13.857 15.098 13.760 14.378 14.091 15.232 16.014 16.214 14.873 15.700 16.265 NPL
NPL 279 134 257 378 734 785 763 794 792 769 895 905 898 532 462 772 820 851 NPL
NPL 761 680 617 1.005 1.752 1.845 1.526 1.613 1.945 3.982 3.990 3.977 2.613 2.682 2.245 3.838 3.896 3.739 NPL
NPL 173 47 137 78 311 290 293 301 295 284 306 293 302 294 1.019 982 986 985 NPL
dan Jasa Perusahaan
NPL 285 364 540 633 1.257 1.368 1.345 1.347 1.414 1.421 1.445 1.451 1.487 1.467 1.337 1.020 985 1.019 and Business
NPL Services
12. Admistrasi Pemerintahan, Pertahanan 2.382 2.199 11.926 9.551 10.898 7.670 11.702 12.307 12.130 11.890 11.813 12.602 12.682 12.430 12.880 12.971 20.814 20.723 12. Government administration, Defense
NPL 15 5 4 3 7 6 5 46 6 3 4 4 5 5 4 3 10 10 NPL
13. Jasa Pendidikan 682 701 896 1.164 1.324 1.345 1.363 1.356 1.363 1.345 1.313 1.315 1.315 1.297 1.290 1.389 1.378 1.376 13. Education Services
NPL 17 11 13 16 18 27 17 19 20 18 22 24 22 21 24 25 28 26 NPL
NPL 214 260 134 45 32 40 48 74 74 68 64 66 65 65 65 58 93 92 NPL
Services
NPL 136 176 203 474 613 678 642 647 687 678 686 627 593 543 389 356 412 442 NPL
16. Jasa Perorangan yang Melayani 222 350 1.154 1.762 2.077 1.999 1.971 1.926 1.950 1.971 1.931 1.930 1.901 1.911 1.935 1.940 1.933 1.926 16. Individual Services which
NPL 7 8 9 34 37 55 52 52 52 49 49 51 48 47 42 41 47 48 NPL
17. Badan Internasional dan 3.208 14 1 4 3 3 3 4 4 4 4 4 36 37 38 38 54 56 17. International Agency and Other Extra
NPL 53 - - - - - - - - - - - - - - - - - NPL
18. Kegiatan yang belum jelas 61.692 46.968 1.975 7.084 8.194 7.764 7.872 7.509 8.284 8.463 7.874 7.788 7.617 7.707 8.234 8.200 279 258 18. Business Activities which are not
NPL 1.073 835 1 7 6 7 7 7 7 16 10 11 11 11 11 11 11 11 NPL

NPL 1.930 2.612 3.519 3.572 3.957 4.712 4.509 4.662 4.797 4.633 5.033 5.102 5.063 5.044 5.025 4.402 4.981 5.217 NPL
NPL 32 66 46 58 86 107 101 104 102 97 111 114 106 111 112 110 124 127 NPL
NPL 59 141 146 221 298 321 305 314 339 347 381 397 409 421 430 383 407 425 NPL
NPL 56 95 142 320 418 417 418 435 434 435 459 453 376 441 427 434 432 442 NPL
NPL 456 1.690 1.483 1.770 1.730 1.954 1.923 1.997 2.056 1.959 2.052 2.039 2.002 1.978 1.871 1.666 1.857 1.913 NPL
NPL 1.150 302 318 392 624 684 650 663 658 629 644 668 667 630 627 776 794 824 NPL
157
Tabel 3.3.a. Kredit dan NPL BUSN Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Foreign Exchange Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
NPL 588 640 613 1.385 1.719 1.809 1.803 1.792 1.894 1.739 1.885 1.853 1.845 1.902 1.892 2.651 2.689 2.601 NPL
NPL 45 43 35 41 78 94 89 90 93 103 78 77 72 93 89 84 186 105 NPL
NPL 166 728 1.178 1.889 1.590 1.575 1.780 2.748 3.230 3.541 4.157 4.181 3.655 4.393 5.470 4.278 4.112 4.248 NPL
NPL 4.628 3.683 3.842 5.126 6.562 8.012 8.732 8.822 9.588 9.979 10.112 9.591 9.265 9.451 10.583 10.555 11.433 10.932 NPL
NPL 202 127 450 957 1.637 1.618 1.606 1.584 1.459 1.573 1.582 1.693 1.334 1.335 1.544 1.535 1.528 1.527 NPL
NPL 1.011 843 737 1.840 2.023 2.378 2.355 2.854 3.014 3.170 3.186 3.233 2.600 2.930 3.145 3.078 3.063 3.312 NPL
NPL 4.802 4.168 4.931 9.143 9.818 11.295 11.772 11.983 12.449 12.249 12.620 13.035 13.500 15.149 15.555 14.341 14.996 15.000 NPL
NPL 262 152 160 464 673 808 1.016 1.255 1.251 1.285 1.537 1.546 1.466 1.451 1.328 1.298 1.538 1.613 NPL
NPL 1.186 1.124 1.498 2.632 3.573 4.791 4.547 4.458 4.791 4.612 5.009 4.529 4.364 4.447 4.574 3.679 3.810 4.247 NPL
NPL 101 102 214 1.106 524 764 701 690 788 954 1.045 1.128 1.168 1.221 1.218 1.123 1.097 1.456 NPL
dan Jasa Perusahaan
NPL 1.069 1.475 1.988 1.966 2.852 3.176 3.165 3.059 3.272 3.156 3.305 3.502 3.310 3.802 3.308 3.216 2.579 2.771 and Business
NPL Services
12. Admistrasi Pemerintahan, Pertahanan 341 190 15,11297452 32 274 276 275 307 308 356 369 381 383 407 421 172 155 155 12. Government administration, Defense
NPL - 0 0 4 2 2 2 2 2 1 1 1 2 2 2 1 1 1 NPL
13. Jasa Pendidikan 2.217 2.619 3.197 4.018 4.858 5.044 5.051 5.100 5.160 5.211 5.117 5.103 5.169 5.142 5.162 5.296 5.276 5.291 13. Education Services
NPL 32 27 29 35 83 105 122 145 99 110 109 112 93 108 108 83 109 100 NPL
NPL 101 114 44 118 94 128 113 111 128 104 98 97 89 87 72 57 81 76 NPL
Services
NPL 490 415 473 970 867 969 921 1.040 1.057 971 1.016 1.008 938 975 907 862 918 888 NPL
16. Jasa Perorangan yang Melayani 166 161 170 173 273 317 324 336 334 341 326 315 317 309 301 299 304 300 16. Individual Services which
NPL 12 17 10 6 8 9 13 13 13 13 15 14 16 18 21 17 20 23 NPL
17. Badan Internasional dan 6 5 9 54 75 51 51 44 150 165 27 27 51 28 28 27 26 13 17. International Agency and Other Extra
NPL - - 0 1 1 0 0 0 0 0 0 1 1 1 1 1 0 0 NPL
18. Kegiatan yang belum jelas 3.479 2.042 697 589 884 1.733 1.746 1.600 1.303 1.902 1.830 1.204 1.196 1.162 1.258 1.079 1.051 1.056 18. Business Activities which are not
NPL 52 4 7 23 33 224 221 219 188 129 116 115 106 97 98 58 59 65 NPL
NPL 1.003 1.329 1.630 2.048 2.365 2.767 2.771 2.908 3.260 2.824 3.072 2.996 3.023 2.993 3.025 2.919 3.121 3.327 NPL
NPL 21 18 22 78 78 90 93 95 111 97 107 150 135 140 132 126 154 151 NPL
NPL 174 211 321 350 420 477 489 542 622 551 569 611 596 573 601 561 588 628 NPL
NPL 855 909 683 959 1.246 1.263 1.265 1.310 1.360 1.324 1.407 1.427 1.267 1.211 1.161 1.107 1.040 1.003 NPL
NPL 420 427 513 1.214 1.363 1.647 1.796 1.801 1.876 1.798 1.872 1.979 1.765 1.818 1.768 1.666 1.782 1.863 NPL
NPL 921 892 1.187 808 793 1.030 1.008 981 978 1.004 977 925 868 856 851 914 1.182 1.191 NPL
158
Tabel 3.4.a. Kredit dan NPL BUSN Non Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Non-Foreign Exchange Commercial Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
1. Pertanian, Perburuan dan Kehutanan 572 914 1.433 2.185 2.659 1.771 1.732 1.734 1.692 1.695 1.659 1.464 1.515 1.543 1.580 1.621 1.650 1.679 1. Agricultures, Hunting and Forestry
NPL 14 13 32 77 124 109 95 106 122 108 101 94 97 100 99 59 55 54 NPL
2. Perikanan 167 209 250 374 837 173 176 177 196 192 175 155 220 185 183 165 164 166 2. Fisher
NPL 2 7 6 24 31 21 21 20 20 19 20 19 19 19 19 1 2 2 NPL
3. Pertambangan dan Penggalian 404 612 998 1.104 737 572 566 527 521 536 523 523 468 468 462 207 181 195 3. Mining and Quarrying
NPL 8 13 15 45 102 97 89 60 85 86 87 85 79 79 88 59 59 59 NPL
NPL 117 193 246 287 449 344 356 387 502 392 351 348 235 272 269 143 153 127 NPL
5. Listrik, gas dan air 187 97 148 445 291 214 211 212 214 225 221 255 248 245 252 246 241 254 5. Electricity, Gas and Water
NPL 0 1 1 3 3 3 2 2 2 2 2 2 2 7 7 2 3 4 NPL
NPL 96 134 135 125 166 220 223 207 212 211 250 198 178 196 188 106 136 134 NPL
NPL 288 448 530 809 948 619 604 748 776 804 642 610 628 691 612 414 435 427 NPL
NPL 20 30 34 91 77 100 84 95 74 58 48 65 39 56 42 36 35 52 NPL
NPL 45 181 97 111 264 207 202 226 259 148 110 171 175 190 169 117 118 117 NPL
NPL 16 22 58 334 94 119 116 150 147 148 155 185 176 152 177 135 134 127 NPL
dan Jasa Perusahaan
NPL 254 308 279 95 147 166 216 251 296 295 269 431 266 426 239 617 625 664 and Business
NPL Services
12. Admistrasi Pemerintahan, Pertahanan 1 1 0 67 7 0 0 0 0 0 0 0 0 0 0 0 0 0 12. Government administration, Defense
NPL - - 0 1 1 - - 0 0 0 0 0 - - - - - - NPL
13. Jasa Pendidikan 301 453 451 709 1.054 745 817 841 879 890 895 940 960 882 891 777 769 773 13. Education Services
NPL 3 7 3 1 10 5 5 6 5 5 6 98 93 24 37 6 6 7 NPL
14. Jasa Kesehatan dan Kegiatan Sosial 381 463 514 699 923 674 655 672 707 745 563 559 584 592 576 602 638 639 14. Health Services and Social Activities
NPL 5 5 5 4 6 6 6 10 12 13 9 12 12 13 13 9 6 8 NPL
Services
NPL 49 138 171 77 76 47 48 98 117 115 51 68 68 103 71 14 33 17 NPL
NPL 1 4 3 4 3 3 4 4 3 4 3 3 3 3 4 4 4 4 NPL
17. Badan Internasional dan 0 3 0 0 0 - - - - - - - - - - - - - 17. International Agency and Other Extra
NPL - - 0 - 0 - - - - - - - - - - - - - NPL
18. Kegiatan yang belum jelas 20 33 23 6.182 1.038 26 35 22 18 20 20 18 19 33 29 33 34 32 18. Business Activities which are not
NPL 0 0 - 272 197 1 1 1 1 1 0 1 1 2 2 1 1 1 NPL
NPL 141 131 135 153 151 79 96 101 124 149 131 113 113 120 128 67 69 72 NPL
- Untuk Pemilikan Flat atau Apartemen 87 150 184 251 368 260 499 252 480 466 444 243 233 230 229 150 148 145 - For Apartement Ownership
NPL 1 - - 0 5 2 3 2 8 15 9 5 5 4 3 3 3 3 NPL
- Untuk Pemilikan Ruko atau Rukan 124 109 116 162 164 134 147 133 131 125 99 97 96 95 94 31 28 29 - For Shop House Ownership
NPL 10 9 4 3 3 1 1 1 1 1 1 3 3 3 3 1 1 1 NPL
- Untuk Pemilikan Kendaraan Bermotor 1.206 2.193 1.934 3.052 1.825 1.290 1.253 1.223 1.194 1.162 1.135 1.099 1.089 1.055 1.006 987 966 942 - For Vehicles Ownership
NPL 48 46 9 15 13 8 6 9 14 13 34 23 12 9 11 9 10 10 NPL
NPL 82 121 125 196 211 94 97 101 107 106 114 128 136 138 128 100 121 125 NPL
Bukan Lapangan Usaha Lainnya 4.545 5.691 6.037 469 543 518 619 706 800 865 903 832 943 912 876 866 777 755 Non Industrial Origin Others
NPL 41 28 51 5 14 3 3 3 4 5 5 7 9 11 12 14 19 23 NPL
159
Tabel 3.5.a. Kredit dan NPL BPD Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Regional Development Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
NPL 240 552 722 1.073 1.218 1.391 1.218 1.226 1.262 1.305 1.311 1.359 1.341 1.483 1.410 1.320 1.336 1.336 NPL
NPL 22 29 32 42 49 53 53 55 54 53 51 50 50 52 53 40 41 42 NPL
3. Pertambangan dan Penggalian 1.280 1.931 1.265 1.129 979 953 955 914 933 924 949 952 898 883 852 858 852 701 3. Mining and Quarrying
NPL 45 83 81 146 422 411 395 376 378 376 370 428 420 421 339 335 338 339 NPL
NPL 220 272 359 525 610 683 662 711 729 746 747 773 804 804 773 696 728 750 NPL
NPL 5 111 122 146 155 127 127 127 127 126 121 123 123 124 159 126 120 120 NPL
NPL 607 1.154 2.101 2.366 2.657 2.926 2.745 2.850 2.874 2.903 2.957 2.910 2.862 2.891 2.650 2.128 2.395 2.433 NPL
NPL 900 1.101 1.573 2.490 2.896 3.223 3.216 3.282 3.274 3.229 3.252 3.333 3.284 3.294 3.190 2.962 3.201 3.323 NPL
NPL 60 118 120 123 481 504 626 729 711 636 625 614 611 484 487 426 667 670 NPL
9. Transportasi, pergudangan 2.835 3.425 3.291 3.323 2.629 2.630 2.720 2.657 2.657 2.716 2.651 2.683 2.692 2.677 2.801 2.820 2.811 2.864 9. Transportation, arehousing
NPL 47 245 394 977 598 610 510 465 476 481 483 481 505 501 482 474 491 479 NPL
NPL 19 21 18 38 67 85 80 79 86 74 76 83 90 94 95 94 84 75 NPL
dan Jasa Perusahaan
NPL 136 258 623 618 521 556 528 527 552 542 533 566 574 821 817 550 540 536 and Business
NPL Services
12. Admistrasi Pemerintahan, Pertahanan 197 129 107 761 1.064 995 901 867 867 867 867 916 903 924 924 1.052 1.041 1.088 12. Government administration, Defense
NPL - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NPL
13. Jasa Pendidikan 675 638 690 639 729 699 723 748 747 876 930 941 932 992 1.023 986 995 1.016 13. Education Services
NPL 8 4 9 12 25 14 13 13 13 14 14 13 10 10 10 9 9 11 NPL
14. Jasa Kesehatan dan Kegiatan Sosial 727 804 849 1.057 1.384 1.335 1.366 1.547 1.565 1.675 1.680 1.666 1.679 1.800 1.884 1.951 1.910 1.881 14. Health Services and Social Activities
NPL 14 18 14 28 24 19 15 21 22 21 23 22 15 14 14 10 11 11 NPL
Services
NPL 97 338 334 397 563 605 552 556 643 567 568 587 583 568 594 519 780 885 NPL
NPL 17 20 12 10 6 6 6 6 6 6 6 7 7 8 6 6 6 7 NPL
NPL 0 8 6 6 1 2 1 1 1 1 1 0 0 34 34 30 24 0 NPL
18. Kegiatan yang belum jelas 239 150 47 112 101 75 68 60 54 56 56 68 68 44 46 286 280 223 18. Business Activities which are not
NPL 12 8 1 0 3 3 3 4 4 6 6 6 5 3 2 3 3 4 NPL
NPL 179 282 428 714 1.025 1.189 1.166 1.274 1.314 1.240 1.326 1.340 1.286 1.292 1.319 1.239 1.400 1.434 NPL
NPL 3 2 16 9 7 34 8 7 7 8 24 42 50 53 54 51 50 55 NPL
NPL 17 18 55 70 95 99 97 105 111 117 115 112 109 110 112 105 91 91 NPL
- Untuk Pemilikan Kendaraan Bermotor 438 418 450 499 468 464 460 461 458 458 453 456 454 489 486 493 489 482 - For Vehicles Ownership
NPL 4 4 4 5 6 6 5 5 5 5 5 6 5 5 6 5 5 6 NPL
NPL 162 225 229 364 389 438 465 453 483 487 493 508 505 459 460 376 401 408 NPL
NPL 260 154 190 247 253 291 284 296 317 292 316 305 306 366 353 297 317 327 NPL
160
Tabel 3.6.a. Kredit dan NPL Bank Campuran Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Join Venture Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
NPL 3 1 1 1 361 172 170 170 211 206 211 69 72 74 74 75 76 77 NPL
NPL 13 9 0 - - - 1 1 1 1 1 1 1 1 1 1 - - NPL
NPL - 117 360 547 704 684 593 590 610 591 586 600 582 581 602 566 627 627 NPL
NPL 921 859 678 1.329 1.846 1.872 1.936 2.001 2.063 2.404 2.374 2.398 2.569 2.566 2.472 2.083 1.981 1.947 NPL
NPL - - - - - - - - - - - - - - - - - - NPL
NPL 18 70 163 440 249 217 217 217 217 269 265 230 109 117 65 43 53 53 NPL
NPL 274 439 356 1.097 2.130 2.308 2.131 2.036 1.520 1.287 1.562 1.741 1.938 1.786 1.944 1.679 1.716 1.703 NPL
8. Penyediaan akomodasi dan penyediaan makan 309 1.129 1.508 594 582 582 577 571 568 421 444 385 380 351 353 344 358 370 8. Provision of accomodation and the
NPL 9 9 0 - 3 3 3 3 3 0 0 0 0 0 0 0 0 0 NPL
NPL 210 284 430 645 424 407 390 389 382 302 302 349 302 245 241 148 139 154 NPL
NPL - - - 4 56 9 9 8 82 81 82 111 114 113 83 82 82 82 NPL
NPL 31 32 47 44 33 44 44 44 44 16 16 16 22 24 22 54 178 175 NPL
NPL - - - - - - - - - - - - - - - - - - NPL
13. Jasa Pendidikan 187 202 242 118 125 116 114 112 122 64 60 59 61 61 65 64 51 50 13. Education Services
NPL 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 NPL
NPL 0 - 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NPL
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 661 778 436 471 811 789 783 684 686 767 1.080 1.071 974 971 1.033 967 956 951 15. Community, ociocultural,
Services
NPL 2 21 1 11 56 55 55 54 56 56 54 51 42 42 33 24 26 27 NPL
NPL - - - - - - - - - - - - - - - - - - NPL
NPL - - - - - - - - - - - - - - - - - - NPL
18. Kegiatan yang belum jelas 455 159 174 265 179 166 164 156 159 155 146 147 144 136 201 150 33 19 18. Business Activities which are not
NPL 0 - - - - - - - - - - - - - 7 - - - NPL
NPL 37 41 55 47 57 58 44 42 35 30 36 37 36 36 38 37 36 43 NPL
NPL 1 1 6 0 - - 1 1 1 1 - - 0 - - - - - NPL
NPL 0 0 5 7 12 16 10 8 13 13 13 13 13 13 13 13 14 15 NPL
NPL 34 28 10 12 8 7 7 7 7 7 8 7 7 6 6 7 7 10 NPL
- Untuk Pemilikan Peralatan Rumah Tangga 810 969 1.059 1.423 6.914 7.182 7.315 7.483 7.664 7.862 4.698 5.309 5.486 5.607 3.246 3.492 3.626 3.740 - Others
NPL 84 117 30 38 112 117 119 116 118 120 88 105 109 110 61 68 65 66 NPL
NPL 396 336 326 232 299 319 331 334 354 363 417 400 413 415 443 410 398 392 NPL
161
Tabel 3.7.a. Kredit dan NPL Bank Asing Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Penerima Kredit
(Credit Channeling and NPL Credit Channeling of Foreign Owned Banks to Non Bank Third Party Based on Business Sector and non Business Sector of Credit Channeling Beneficiary)
2016 2017
NPL 0 0 0 - - - - 0 - 0 0 - - - - - - - NPL
NPL - - - - - - - - - - - - - - - - - - NPL
NPL - 136 69 65 172 214 210 209 285 208 196 189 186 185 190 145 142 141 NPL
NPL 1.120 973 1.014 1.612 2.781 2.752 2.731 3.010 2.997 2.961 2.904 3.364 3.282 3.460 3.101 2.172 2.216 2.264 NPL
NPL - - - - - 1 - - 133 125 124 125 119 119 124 121 120 120 NPL
6. Konstruksi 556 2.070 3.899 5.954 7.512 7.058 6.894 6.747 6.914 7.821 7.717 8.214 8.250 8.959 9.201 8.704 8.397 7.948 6. Construction
NPL 0 12 12 1 0 1 1 0 0 - - - - - - - - - NPL
NPL 29 120 622 706 1.552 1.838 1.941 1.926 1.909 1.863 1.838 2.225 2.117 2.100 2.137 1.520 1.453 1.461 NPL
8. Penyediaan akomodasi dan penyediaan makan 217 278 460 709 1.202 1.324 1.354 1.350 1.401 1.549 1.526 1.566 1.521 1.680 1.756 1.756 1.747 1.806 8. Provision of accomodation and the
NPL 0 0 0 0 0 0 0 0 0 0 - - - - - - - - NPL
NPL 151 8 172 145 205 200 200 157 161 157 142 142 75 75 76 47 47 47 NPL
NPL - - - - - - - - - - - - - - - - - - NPL
dan Jasa Perusahaan
NPL - 8 0 35 7 6 11 7 8 7 8 10 17 17 15 13 9 10 and Business
NPL Services
NPL - - - - - - - - - - - - - - - - - - NPL
13. Jasa Pendidikan 1 0 0 0 39 37 37 37 40 46 43 43 43 41 41 41 38 38 13. Education Services
NPL 0 0 - - - - - - - - - - - - - - - - NPL
NPL 0 - - 0 - - - - - - - - - - - - - - NPL
15. Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 1.082 1.469 943 961 1.146 1.089 1.036 914 912 892 865 753 767 781 800 840 806 796 15. Community, Sociocultural,
Services
NPL 0 0 0 0 0 0 0 0 - - - - - - - - - - NPL
16. Jasa Perorangan yang Melayani - - - - - - - - - - - - - - - - - - 16. Individual Services which
NPL - - - - - - - - - - - - - - - - - - NPL
17. Badan Internasional dan - - - - - - - - 0 - - - - - - - - - 17. International Agency and Other Extra
NPL - - - - - - - - - - - - - - - - - - NPL
18. Kegiatan yang belum jelas 15.804 1.044 1.068 1.655 1.563 1.516 1.337 1.542 1.413 1.448 1.279 1.505 1.097 1.054 1.018 862 829 827 18. Business Activities which are not
NPL 202 45 16 1 2 0 0 0 83 96 95 94 93 1 1 0 0 0 NPL
- Untuk Pemilikan Rumah Tinggal 574 544 522 570 635 920 913 916 924 931 925 941 952 1.045 1.060 1.082 1.073 1.072 - For Home Ownership
NPL - 0 0 - 0 1 1 1 3 2 2 2 2 3 2 2 2 3 NPL
NPL - - - - - - - - - - - - - - 0 - - - NPL
- Untuk Pemilikan Ruko atau Rukan - - - 2 1 1 1 1 1 1 1 1 1 15 14 16 15 11 - For Shop House Ownership
NPL - - - - - - - - - - - - - - - - - - NPL
- Untuk Pemilikan Kendaraan Bermotor 16 24 24 24 24 80 80 79 79 80 78 77 77 75 73 74 73 71 - For Vehicles Ownership
NPL - - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 NPL
NPL 209 83 102 85 113 116 110 108 106 104 111 114 109 109 100 100 98 96 NPL
NPL 1.715 1.282 1.389 333 436 459 456 451 444 444 465 475 466 471 463 453 461 460 NPL
162
Tabel 3.8.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha dan Bukan Lapangan Usaha Per Lokasi Dati I Bank Penyalur Kredit - Februari 2017
Credit and NPL of Commercial Bank to Non Banks Third Party Based on Business Sector and non Business Sector of Credit by Region - February 2017)
Lapangan Usaha Bukan Lapangan Usaha

Rumah
Jasa
Penyediaan Jasa Badan Rumah Rumah Rumah Rumah Tangga -
Real Estate, Admistrasi Jasa Kemasyarak
Pertanian, akomodasi Transportasi, Perorangan Internasional Kegiatan Tangga - Tangga - Tangga - Tangga - Untuk Bukan
Perdagangan Usaha Pemerintahan, Kesehatan atan, Sosial
perburuan Pertambangan Industri Listrik, gas dan pergudangan Perantara Jasa Pendidi- yang dan Badan yang belum Untuk Untuk Untuk Untuk Pemilikan Lapangan
Perikanan Konstruksi Besar dan Persewaan, Pertahanan dan Budaya,
Keterangan dan dan Penggalian Pengolahan dan air
Eceran
penyediaan dan Keuangan
dan Jasa dan Jaminan
kan
Kegiatan Hiburan dan
Melayani Ekstra jelas Pemilikan Pemilikan Pemilikan Pemilikan Peralatan Usaha Location
Kehutanan makan komunikasi Rumah Internasional batasannya Rumah Flat atau Ruko atau Kendaraan Rumah Lainnya
Perusahaan Sosial Wajib Sosial Perorangan
minum Tangga Lainnya Tinggal Apartemen Rukan Bermotor Tangga
lainnya
Lainnya
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 1 2 3 4 5 6
Jawa Barat 5.397 469 959 52.870 863 14.135 72.866 6.780 14.110 2.106 13.072 10 1.138 1.691 5.162 413 0 155 71.015 1.180 2.249 3.984 47.141 43.573Jawa Barat
NPL 263 24 180 4.696 6 669 3.149 107 310 127 839 0 16 35 221 12 0 12 1.945 55 89 66 566 195 NPL
Banten 319 42 405 19.405 726 6.706 15.566 1.017 2.383 2.867 3.229 14 291 257 1.439 91 0 41 25.064 527 1.068 8.644 13.283 8.457Banten
NPL 35 0 167 523 0 258 448 73 210 6 47 0 4 2 39 4 0 0 456 9 22 62 181 34 NPL
DKI Jakarta 134.210 3.769 100.842 428.349 125.850 130.652 276.412 46.470 108.404 174.790 148.464 5.525 2.877 5.976 26.339 334 74 1.405 92.130 7.972 8.057 88.839 87.295 78.602DKI Jakarta
NPL 2.609 26 6.865 15.172 2.055 4.068 13.821 1.477 6.156 2.256 2.760 8 47 19 701 9 0 4 2.383 149 240 1.123 1.146 2.478 NPL
D.I Yogyakarta 537 87 13 2.409 34 828 8.857 2.333 640 642 1.046 0 269 379 979 77 0 14 3.582 57 255 378 6.573 509D.I Yogyakarta
NPL 11 2 3 87 0 14 301 145 29 4 22 0 1 1 41 10 0 0 72 1 21 2 45 4 NPL
Jawa Tengah 6.705 807 156 45.617 441 8.778 76.899 5.057 3.055 3.909 4.142 3 949 1.516 3.231 409 3 68 17.790 268 1.030 2.580 22.820 26.981Jawa Tengah
NPL 173 28 7 1.736 1 364 3.192 119 310 93 169 0 25 10 69 9 0 5 416 8 48 29 232 87 NPL
Jawa Timur 10.161 806 1.270 102.067 1.816 14.418 105.083 5.615 11.827 2.523 10.188 6 837 1.439 4.860 470 0 267 35.840 1.482 2.604 3.964 60.265 4.300Jawa Timur
NPL 294 14 58 3.198 4 952 4.611 107 401 90 133 2 24 15 156 11 0 9 735 20 109 43 374 89 NPL
Bengkulu 1.241 31 32 349 17 199 3.475 149 90 23 132 50 79 173 274 12 0 5 1.608 15 183 58 4.224 3.573Bengkulu
NPL 24 2 2 7 0 8 168 5 2 0 2 0 0 1 5 0 0 1 26 0 10 1 19 8 NPL
Jambi 5.402 61 97 1.123 11 685 6.957 796 351 146 392 1 24 115 501 25 0 3 3.565 30 387 178 8.972 320Jambi
NPL 101 3 28 12 0 120 350 9 14 0 21 0 0 0 19 1 0 1 132 1 20 3 64 4 NPL
Aceh 2.304 66 29 2.009 189 632 5.779 209 146 38 242 1 201 99 439 21 0 11 1.430 35 155 179 15.611 87Aceh
NPL 63 5 5 20 0 100 411 14 4 0 6 0 1 1 61 3 0 5 42 1 18 3 55 2 NPL
Sumatera Utara 41.020 344 202 35.493 490 6.007 45.097 2.168 3.444 1.419 3.725 13 302 1.119 1.734 129 0 39 12.252 307 1.923 3.273 22.984 1.548Sumatera Utara
NPL 686 32 3 654 2 438 1.878 116 56 11 154 0 3 63 89 3 0 7 681 6 79 44 225 31 NPL
Sumatera Barat 3.772 112 323 4.278 12 627 11.839 510 349 429 313 1 108 114 540 18 0 3 2.895 60 254 149 6.380 11.015Sumatera Barat
NPL 166 7 9 36 0 20 744 14 29 9 26 0 4 3 18 1 0 1 95 19 23 3 65 21 NPL
Riau 12.650 65 261 2.507 171 1.623 10.692 1.676 1.209 256 1.702 2 109 380 902 26 0 12 7.317 54 678 323 14.633 394Riau
NPL 405 6 5 77 2 133 651 41 166 3 95 0 2 3 45 1 0 3 341 7 32 3 121 8 NPL
Sumatera Selatan 11.529 94 1.230 7.259 225 3.153 14.417 1.083 725 177 1.339 59 208 248 758 33 0 42 6.608 53 959 384 17.696 739Sumatera Selatan
NPL 300 3 59 195 0 429 784 21 31 3 109 0 1 6 28 1 0 16 257 2 63 8 133 12 NPL
Bangka Belitung 375 97 1.605 621 3 209 2.268 183 80 33 109 1 3 69 107 4 0 0 1.171 10 162 87 2.947 27Bangka Belitung
NPL 6 4 70 7 0 46 151 9 2 0 12 0 0 0 4 1 0 0 48 1 7 1 14 0 NPL
Kepulauan Riau 68 74 195 3.822 903 1.420 5.642 1.139 3.680 34 1.620 1 89 70 335 21 0 1 6.182 31 730 357 5.675 532Kepulauan Riau
NPL 7 2 1 47 98 71 140 8 98 1 35 0 0 1 9 0 0 0 105 1 25 3 45 4 NPL
Lampung 8.197 567 134 4.089 28 826 13.170 372 1.349 418 651 0 209 220 534 32 0 4 3.218 48 263 255 4.791 4.306Lampung
NPL 64 7 0 33 1 31 687 29 19 2 11 0 9 2 16 1 0 1 105 3 13 5 39 24 NPL
Kalimantan Selatan 7.522 122 1.283 1.501 348 1.113 8.645 629 1.703 228 1.124 0 70 291 523 19 0 8 7.969 46 386 159 9.094 338Kalimantan Selatan
NPL 28 7 10 14 2 55 531 9 162 2 92 0 0 5 15 1 0 2 356 5 37 2 60 2 NPL
Kalimantan Barat 11.038 132 54 1.349 48 1.029 9.678 697 1.311 803 612 3 46 148 468 12 0 31 3.870 49 780 195 11.154 80Kalimantan Barat
NPL 337 3 0 304 2 80 362 34 64 2 12 0 0 2 11 0 0 2 98 1 26 3 53 1 NPL
Kalimantan Timur 3.481 150 3.661 5.987 660 3.408 13.459 1.919 3.545 481 3.968 7 79 128 1.354 48 0 24 7.332 99 781 1.276 13.684 317Kalimantan Timur
NPL 41 7 1.545 50 1 540 1.258 43 437 17 322 0 1 1 285 1 0 4 482 8 69 22 164 6 NPL
Kalimantan Tengah 4.798 64 6 382 103 361 4.534 212 203 36 232 1 9 51 303 22 0 5 2.587 15 117 73 6.738 34Kalimantan Tengah
NPL 12 1 1 4 0 18 129 4 5 0 11 0 0 0 7 1 0 0 83 0 4 2 30 0 NPL
Sulawesi Tengah 1.259 116 97 243 33 584 6.227 299 142 4 173 0 10 21 278 19 0 2 2.172 15 303 90 10.903 26Sulawesi Tengah
NPL 25 30 14 11 0 60 400 8 5 0 10 0 0 1 29 1 0 0 50 0 12 1 56 0 NPL
Sulawesi Selatan 2.862 443 328 7.563 233 6.175 28.717 3.459 2.613 1.627 2.610 12 276 339 1.804 134 0 32 12.006 123 1.721 2.463 20.900 6.834Sulawesi Selatan
NPL 35 13 21 87 4 208 986 35 39 88 117 0 3 5 61 2 0 3 500 4 102 28 171 24 NPL
Sulawesi Utara 427 179 1.223 716 46 909 6.806 574 447 16 474 3 34 35 314 13 0 2 3.878 68 280 227 7.953 6.539Sulawesi Utara
NPL 14 33 6 135 0 125 337 21 12 3 11 0 0 7 19 0 0 0 230 8 18 3 181 57 NPL
Gorontalo 527 38 5 130 3 159 2.505 220 51 1 76 0 5 12 108 8 0 1 832 7 43 52 2.997 1.954Gorontalo
NPL 12 1 0 10 0 45 192 5 1 0 5 0 0 0 6 0 0 1 39 0 2 1 57 5 NPL
Sulawesi Barat 373 15 3 74 2 76 1.577 43 18 10 31 0 2 27 140 13 0 0 206 2 31 21 1.876 1.254Sulawesi Barat
NPL 3 0 0 2 0 3 66 2 0 0 1 0 0 0 2 1 0 0 4 0 2 0 7 4 NPL
Sulawesi Tenggara 299 87 39 328 8 414 4.758 455 119 3 188 0 23 23 210 12 0 4 1.881 61 407 81 8.966 124Sulawesi Tenggara
NPL 3 4 1 12 0 47 305 18 9 0 6 0 1 0 15 0 0 2 71 0 32 2 39 2 NPL
Nusa Tenggara Barat 762 68 3.729 343 28 635 7.666 817 189 43 470 1 13 144 321 21 0 21 3.038 95 234 238 8.229 3.941Nusa Tenggara Barat
NPL 14 1 2 19 0 25 282 7 3 1 14 0 0 0 11 1 0 2 71 2 8 4 64 26 NPL
Bali 1.608 149 9 1.695 134 2.080 22.262 6.901 1.012 421 1.918 49 223 701 1.841 111 0 6 10.301 90 466 357 13.496 1.062Bali
NPL 29 36 1 39 2 68 533 653 18 5 76 0 0 4 27 5 0 0 165 25 4 2 81 10 NPL
Nusa Tenggara Timur 244 73 17 182 68 503 5.642 475 192 24 208 0 30 31 234 13 0 0 1.194 16 102 87 7.316 5.022Nusa Tenggara Timur
NPL 6 2 0 4 12 83 319 3 7 1 8 0 1 0 4 0 0 0 21 0 1 1 69 23 NPL
Maluku 102 53 3 74 7 223 1.958 140 113 6 96 0 1 4 104 10 0 0 628 3 49 42 3.171 1.584Maluku
NPL 2 4 1 2 0 14 58 5 3 0 12 0 0 0 2 0 0 0 8 0 1 1 14 12 NPL
Papua 647 58 36 390 20 1.145 6.480 711 644 35 471 68 7 34 770 42 27 72 2.138 15 360 61 6.054 3.078Papua
NPL 172 2 2 58 1 274 376 35 80 0 14 0 1 0 170 0 0 2 60 1 18 1 58 32 NPL
Maluku Utara 24 19 4 39 1 199 1.495 84 60 1 62 2 16 4 74 4 1 0 424 23 29 22 2.317 1.533Maluku Utara
NPL 1 1 0 4 0 17 58 4 2 0 2 0 0 0 4 0 0 0 5 0 0 0 12 6 NPL
Papua Barat 105 38 42 76 7 596 2.549 151 310 49 236 46 9 13 291 16 17 134 1.005 7 110 26 2.354 1.146Papua Barat
NPL 55 1 1 4 0 37 229 6 100 0 13 0 0 0 68 0 0 0 13 0 5 0 33 5 NPL
Lainnya 1.641 0 8.938 16.190 177 32 6.278 487 2.154 1.287 767 16.587 0 437 116 0 0 0 0 0 0 0 0 8Other
NPL 0 0 0 172 0 0 273 0 0 0 8 0 0 0 0 0 0 0 0 0 0 0 0 0 NPL
Total 281.608 9.295 127.229 749.529 133.705 210.537 816.254 93.833 166.665 194.881 204.083 22.467 8.544 16.309 57.390 2.632 123 2.414 353.130 12.863 27.156 119.101 478.494 219.838 Total
NPL 5.994 312 9.067 27.432 2.195 9.421 38.181 3.187 8.782 2.725 5.176 11 147 187 2.259 82 0 81 10.095 336 1.160 1.470 4.472 3.218 NPL
163
Tabel 3.9.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use )
2016 2017
1. Modal Kerja 1.316.689 1.585.659 1.757.449 1.916.256 1.824.382 1.848.712 1.847.163 1.891.051 1.961.581 1.930.757 1.933.052 1.971.580 1.966.176 1.990.265 2.049.098 1.969.299 1.963.139 1. Working Capital
NPL 28.963 31.470 43.840 57.302 65.860 65.360 67.488 72.679 73.423 75.477 75.561 73.597 77.765 78.072 73.591 75.307 76.256 NPL
2. Investasi 591.425 798.157 903.194 1.035.889 1.031.557 1.031.766 1.036.557 1.045.452 1.058.634 1.053.759 1.059.692 1.075.267 1.077.145 1.108.838 1.125.467 1.135.494 1.134.358 2. Investments
NPL 10.032 13.633 21.223 27.045 29.096 29.077 30.569 33.768 34.514 35.550 37.393 37.159 37.847 38.431 36.123 37.975 38.984 NPL
3. Konsumsi 799.748 909.058 1.013.666 1.105.759 1.111.970 1.119.971 1.122.986 1.133.951 1.148.093 1.145.924 1.153.544 1.165.529 1.172.195 1.185.838 1.202.630 1.208.198 1.210.584 3. Consumption
NPL 11.600 13.176 14.324 16.586 18.804 18.639 19.238 20.169 19.219 20.398 20.592 19.973 19.951 19.744 18.422 20.029 20.752 NPL
Total Kredit 2.707.862 3.292.874 3.674.308 4.057.904 3.967.908 4.000.448 4.006.707 4.070.454 4.168.308 4.130.440 4.146.287 4.212.377 4.215.516 4.284.941 4.377.195 4.312.991 4.308.081 Total Credit
NPL 50.595 58.279 79.388 100.933 113.761 113.077 117.295 126.616 127.156 131.425 133.546 130.728 135.563 136.246 128.135 133.311 135.991 NPL

1. Ekspor 47.799 62.518 61.014 93.281 89.877 90.503 89.482 93.222 90.845 87.206 89.284 90.402 90.695 94.218 96.852 113.737 114.948 1. Ekspor
NPL 1.616 1.571 2.224 2.327 2.119 1.923 2.035 2.216 2.130 2.532 2.685 2.647 2.790 2.380 2.059 2.901 3.170 NPL
2. Impor 38.985 70.611 56.049 62.694 57.976 58.039 56.254 56.388 54.895 54.348 51.247 49.948 48.800 48.844 44.759 43.363 43.051 2. Impor
NPL 587 618 636 2.325 2.416 2.574 2.822 2.849 2.514 2.459 2.792 2.646 2.610 2.547 1.189 1.049 805 NPL
3. Lainnya 2.621.078 3.159.745 3.557.246 3.901.930 3.820.055 3.851.906 3.860.970 3.920.844 4.022.568 3.988.886 4.005.757 4.072.026 4.076.021 4.141.879 4.235.584 4.155.891 4.150.082 3. Other
NPL 48.392 56.091 76.528 96.281 109.226 108.580 112.437 121.550 122.512 126.434 128.069 125.435 130.164 131.320 124.888 129.361 132.016 NPL
NPL 50.595 58.279 79.388 100.933 113.761 113.077 117.295 126.616 127.156 131.425 133.546 130.728 135.563 136.246 128.135 133.311 135.991 NPL
164
Tabel 3.10.a. Kredit dan NPL Bank Persero Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of State Owned Banks to Non Bank Third Party Based on Types and Orientation of Use)
2016 2017
1. Modal Kerja 503.972 580.070 629.678 714.270 664.704 684.181 682.642 705.409 746.745 735.993 739.865 764.833 767.840 777.119 798.563 770.303 765.331 1. Working Capital
NPL 13.784 12.967 14.936 20.476 24.174 23.419 24.510 28.265 29.168 29.900 29.541 29.819 30.794 31.022 31.054 32.349 32.759 NPL
2. Investasi 168.585 274.979 324.486 398.953 404.312 405.453 412.543 417.465 429.062 430.175 433.922 444.562 448.405 473.265 481.889 488.586 490.689 2. Investments
NPL 2.559 3.844 4.375 8.156 8.883 8.126 8.458 10.250 10.951 11.244 12.228 12.108 11.911 11.224 11.514 11.263 11.796 NPL
3. Konsumsi 286.571 326.677 370.924 423.630 425.632 431.909 430.622 435.356 445.068 443.128 448.163 455.258 459.557 468.462 479.330 485.166 484.945 3. Consumption
NPL 4.905 5.656 6.333 7.113 8.194 7.906 8.174 8.387 8.100 8.680 8.759 8.622 8.625 8.491 7.772 8.595 8.950 NPL
Total Kredit 959.128 1.181.726 1.325.087 1.536.852 1.494.648 1.521.543 1.525.808 1.558.231 1.620.874 1.609.296 1.621.951 1.664.653 1.675.803 1.718.846 1.759.782 1.744.054 1.740.965 Total Credit
NPL 21.249 22.467 25.643 35.745 41.251 39.450 41.142 46.902 48.220 49.824 50.529 50.549 51.330 50.737 50.339 52.207 53.505 NPL

1. Ekspor 13.169 13.717 11.572 14.113 13.658 13.648 13.225 13.475 13.860 13.373 14.091 14.517 13.861 14.345 14.783 32.939 38.048 1. Ekspor
NPL 540 502 796 459 452 447 445 576 586 591 597 590 613 601 399 1.210 1.488 NPL
2. Impor 10.542 27.799 1.995 2.017 1.870 2.426 2.331 2.597 2.005 1.962 1.985 2.117 2.130 2.536 2.463 833 815 2. Impor
NPL 372 470 8 57 58 57 57 56 57 58 57 56 56 55 58 - 1 NPL
3. Lainnya 935.417 1.140.209 1.311.520 1.520.722 1.479.121 1.505.468 1.510.251 1.542.159 1.605.009 1.593.961 1.605.874 1.648.019 1.659.812 1.701.964 1.742.536 1.710.283 1.702.102 3. Other
NPL 20.336 21.496 24.839 35.230 40.741 38.946 40.640 46.270 47.577 49.176 49.875 49.904 50.661 50.081 49.883 50.998 52.016 NPL
Total Kredit 959.128 1.181.726 1.325.087 1.536.852 1.494.648 1.521.543 1.525.808 1.558.231 1.620.874 1.609.296 1.621.951 1.664.653 1.675.803 1.718.846 1.759.782 1.744.054 1.740.965 Total Credit
NPL 21.249 22.467 25.643 35.745 41.251 39.450 41.142 46.902 48.220 49.824 50.529 50.549 51.330 50.737 50.339 52.207 53.505 NPL
165
Tabel 3.11.a. Kredit dan NPL BUSN Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Foreign Exchange Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use)
2016 2017
NPL 9.122 10.151 16.570 19.374 23.313 23.502 24.478 25.989 26.336 27.474 27.038 25.664 28.631 29.247 27.758 28.000 28.395 NPL
NPL 4.540 6.057 11.139 12.762 14.445 15.456 16.386 17.328 17.354 18.398 18.679 18.161 18.829 20.667 19.159 20.221 20.572 NPL
NPL 3.785 4.356 5.456 6.264 7.274 7.423 7.637 8.207 7.598 8.004 8.088 7.656 7.591 7.538 7.293 7.867 8.163 NPL
NPL 17.448 20.564 33.165 38.401 45.032 46.381 48.502 51.523 51.288 53.876 53.805 51.480 55.051 57.452 54.210 56.088 57.130 NPL

1. Ekspor 9.391 14.471 18.501 14.018 12.670 12.997 12.449 13.238 13.181 12.266 12.699 13.130 13.390 13.397 13.476 12.121 11.917 1. Ekspor
NPL 22 153 740 286 315 281 266 280 268 680 686 696 823 870 834 822 821 NPL
2. Impor 11.385 15.784 21.058 22.074 20.787 21.021 21.191 21.613 20.921 20.428 19.852 19.768 19.531 19.640 19.098 19.157 19.356 2. Impor
NPL 97 76 398 964 920 934 1.178 1.141 850 859 948 922 932 832 165 166 155 NPL
3. Lainnya 1.093.502 1.281.267 1.442.249 1.560.690 1.600.000 1.603.050 1.604.569 1.618.967 1.645.158 1.626.993 1.632.926 1.641.142 1.636.507 1.650.992 1.714.506 1.678.941 1.680.638 3. Other
NPL 17.329 20.335 32.027 37.150 43.797 45.166 47.057 50.101 50.170 52.337 52.171 49.863 53.296 55.751 53.211 55.100 56.154 NPL
NPL 33.165 38.401 45.032 46.381 48.502 51.523 51.288 53.876 53.805 51.480 55.051 57.452 54.210 56.088 57.130 NPL
166
Tabel 3.12.a. Kredit dan NPL BUSN Non Devisa Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Non-Foreign Exchange Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use)
2016 2017
NPL 810 1.001 1.509 1.715 1.438 1.402 1.445 1.495 1.326 1.290 1.373 1.179 1.177 1.207 810 862 859 NPL
NPL 692 618 850 982 629 671 927 1.138 1.082 815 1.018 894 1.155 830 914 942 946 NPL
NPL 336 319 373 397 186 207 218 257 288 295 280 278 286 285 194 223 234 NPL
Total Kredit 89.451 108.228 126.001 131.833 60.296 61.561 62.318 63.737 65.700 61.889 58.623 59.833 60.526 61.377 50.163 49.558 50.107 Total Credit
NPL 1.838 1.938 2.732 3.093 2.253 2.280 2.591 2.891 2.697 2.400 2.672 2.351 2.618 2.322 1.917 2.026 2.039 NPL

1. Ekspor 5 0 5 0 0 0 1 0 0 0 0 1 1 1 51 50 51 1. Ekspor
NPL - - - - - - - - - - 0 - - - - - - NPL
2. Impor 6 2 293 68 57 80 55 77 76 54 52 53 53 51 63 40 38 2. Impor
NPL - - - 3 3 2 2 - - - - 3 - - - - - NPL
3. Lainnya 89.439 108.226 125.703 131.765 60.239 61.481 62.263 63.660 65.623 61.834 58.571 59.780 60.472 61.325 50.049 49.467 50.018 3. Other
NPL 1.838 1.938 2.732 3.091 2.250 2.279 2.589 2.891 2.697 2.400 2.672 2.348 2.618 2.322 1.917 2.026 2.039 NPL
NPL 1.838 1.938 2.732 3.093 2.253 2.280 2.591 2.891 2.697 2.400 2.672 2.351 2.618 2.322 1.917 2.026 2.039 NPL
167
Tabel 3.13.a. Kredit dan NPL BPD Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Regional Development Banks to Non Bank Third Party Based on Types and Orientation of Use)
2016 2017
NPL 3.207 4.838 6.172 7.658 8.391 8.045 8.330 8.529 8.223 8.293 8.465 7.947 8.192 8.100 6.922 7.305 7.518 NPL
NPL 1.134 1.683 2.826 2.637 2.826 2.706 2.696 2.684 2.863 2.851 2.889 3.338 3.414 3.016 2.806 3.470 3.503 NPL
NPL 684 922 1.408 1.775 2.056 2.025 2.140 2.238 2.149 2.279 2.313 2.262 2.286 2.303 2.073 2.265 2.320 NPL
NPL 5.025 7.444 10.406 12.070 13.274 12.776 13.166 13.452 13.235 13.423 13.667 13.547 13.892 13.418 11.801 13.039 13.341 NPL

1. Ekspor 87 65 51 25 25 24 25 23 22 27 27 23 18 15 16 17 14 1. Ekspor
NPL 14 9 11 8 8 8 7 7 7 7 7 7 2 2 2 2 2 NPL
2. Impor 5 3 3 2 2 2 2 2 2 2 4 4 1 1 1 1 1 2. Impor
NPL 1 1 1 - - - - - - - - - - - - - - NPL
3. Lainnya 218.759 264.473 301.402 328.733 325.859 328.164 332.627 338.360 344.872 344.873 351.727 354.927 356.182 357.505 357.842 350.401 352.288 3. Other
NPL 5.010 7.434 10.395 12.062 13.266 12.769 13.159 13.445 13.228 13.416 13.660 13.541 13.890 13.416 11.800 13.037 13.339 NPL
NPL 5.025 7.444 10.406 12.070 13.274 12.776 13.166 13.452 13.235 13.423 13.667 13.547 13.892 13.418 11.801 13.039 13.341 NPL
168
Tabel 3.14.a. Kredit dan NPL Bank Campuran Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Joint Venture Banks to Non Bank Third Party Based on Types and Orientation of Use)
2016 2017
NPL 1.307 1.171 3.111 4.951 4.885 4.796 4.768 4.411 4.499 4.720 4.863 5.019 4.927 4.794 4.245 4.245 4.198 NPL
NPL 537 867 1.011 916 890 757 748 783 717 736 708 737 625 752 514 638 650 NPL
NPL 524 432 336 488 517 511 508 527 532 562 561 578 580 561 535 519 526 NPL
NPL 2.368 2.470 4.458 6.355 6.292 6.064 6.025 5.720 5.749 6.018 6.132 6.334 6.133 6.108 5.294 5.401 5.374 NPL

1. Ekspor 17.518 24.128 20.269 33.237 33.876 32.568 31.984 33.842 32.164 30.932 31.337 34.597 32.336 30.499 32.529 31.979 29.403 1. Ekspor
NPL 619 340 366 760 701 722 689 697 642 632 559 635 597 330 288 342 335 NPL
2. Impor 5.989 9.350 16.213 17.106 15.801 15.602 14.533 15.135 14.824 14.119 13.482 13.084 11.805 11.419 10.073 9.592 8.980 2. Impor
NPL 8 26 221 417 376 402 411 416 391 333 469 359 352 358 359 326 289 NPL
3. Lainnya 129.788 167.880 159.444 163.383 161.696 160.338 159.829 161.928 161.595 161.587 160.514 166.725 165.854 175.602 178.319 174.358 172.976 3. Other
NPL 1.742 2.104 3.870 5.178 5.215 4.940 4.924 4.608 4.716 5.052 5.103 5.339 5.183 5.420 4.646 4.733 4.749 NPL
NPL 2.368 2.470 4.458 6.355 6.292 6.064 6.025 5.720 5.749 6.018 6.132 6.334 6.133 6.108 5.294 5.401 5.374 NPL
169
Tabel 3.15.a. Kredit dan NPL Bank Asing Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan
(Credit and NPL of Foreign Owned Banks to Non Bank Third Party Based on Types and Orientation of Use)
2016 2017
NPL 732 1.341 1.542 3.126 3.588 3.735 3.956 3.990 3.870 3.801 4.281 3.968 4.044 3.701 2.803 2.547 2.527 NPL
NPL 569 564 1.023 1.592 1.424 1.360 1.353 1.585 1.547 1.506 1.870 1.921 1.913 1.942 1.216 1.442 1.516 NPL
NPL 1.366 1.491 418 549 577 568 561 553 550 577 591 578 583 566 555 561 559 NPL
NPL 2.667 3.396 2.984 5.268 5.589 5.663 5.869 6.128 5.967 5.884 6.742 6.467 6.540 6.209 4.574 4.549 4.602 NPL

1. Ekspor 7.629 10.136 10.616 31.888 29.648 31.266 31.800 32.643 31.618 30.609 31.130 28.135 31.090 35.960 35.997 36.630 35.516 1. Ekspor
NPL 421 567 311 814 645 464 628 656 628 622 836 720 754 577 536 525 523 NPL
2. Impor 11.058 17.673 16.486 21.428 19.459 18.908 18.143 16.964 17.067 17.783 15.871 14.922 15.278 15.196 13.061 13.739 13.861 2. Impor
NPL 109 45 8 884 1.059 1.180 1.174 1.236 1.216 1.209 1.318 1.307 1.270 1.302 607 557 360 NPL
3. Lainnya 154.172 197.690 216.928 196.636 193.141 193.065 191.431 195.769 200.310 199.639 196.145 201.434 197.194 194.490 192.333 192.441 192.060 3. Other
NPL 2.136 2.783 2.665 3.570 3.885 4.019 4.067 4.236 4.124 4.053 4.588 4.441 4.516 4.330 3.431 3.467 3.719 NPL
NPL 2.667 3.396 2.984 5.268 5.589 5.663 5.869 6.128 5.967 5.884 6.742 6.467 6.540 6.209 4.574 4.549 4.602 NPL
170
Tabel 3.16.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Penggunaan dan Orientasi Penggunaan per Lokasi Dati I Bank Penyalur Kredit - Februari 2017
(Credit and Non Perfoming Loan (NPL) of Commercial Banks to Non Bank Third Party Based on Types and Orientation of Use by Bank Location for February 2017)
Modal Kerja Investasi Konsumsi Orientasi Penggunaan (User Orientation)

Lokasi Location
(Working Capital) (Investment) (Consumption)
Ekspor Impor Lainnya
1. Jawa Barat 138.264 53.932 169.142 3.978 1.139 356.221 1. Jawa Barat
NPL 7.480 3.187 2.918 162 42 13.380 NPL
2. Banten 38.160 16.636 57.044 521 68 111.251 2. Banten
NPL 1.336 482 764 9 - 2.573 NPL
3. DKI Jakarta 1.025.999 694.743 362.895 69.213 35.666 1.978.759 3. DKI Jakarta
NPL 35.286 22.768 7.519 1.621 737 63.215 NPL
4. D.I Yogyakarta 12.026 7.119 11.354 345 22 30.132 4. D.I Yogyakarta
NPL 356 314 146 18 - 797 NPL
5. Jawa Tengah 122.379 39.367 71.470 4.328 664 228.224 5. Jawa Tengah
NPL 4.941 1.369 821 126 6 7.000 NPL
6. Jawa Timur 214.129 59.522 108.456 9.029 3.067 370.012 6. Jawa Timur
NPL 8.427 1.651 1.370 429 20 11.000 NPL
7. Bengkulu 4.222 2.110 9.661 227 0 15.766 7. Bengkulu
NPL 160 67 63 10 - 280 NPL
8. Jambi 9.038 7.652 13.452 751 2 29.390 8. Jambi
NPL 508 170 225 55 - 848 NPL
9. Aceh 8.567 3.848 17.498 239 2 29.673 9. Aceh
NPL 571 128 121 33 - 786 NPL
10. Sumatera Utara 88.088 54.658 42.287 10.987 1.527 172.518 10. Sumatera Utara
NPL 2.923 1.274 1.066 214 - 5.049 NPL
11. Sumatera Barat 15.823 7.524 20.752 1.194 2 42.903 11. Sumatera Barat
NPL 820 266 226 86 - 1.225 NPL
12. Riau 17.696 16.548 23.399 1.469 122 56.052 12. Riau
NPL 857 781 512 35 - 2.115 NPL
13. Sumatera Selatan 23.495 19.084 26.439 1.972 6 67.040 13. Sumatera Selatan
NPL 1.304 683 474 66 - 2.394 NPL
14. Bangka Belitung 4.721 1.048 4.404 364 0 9.808 14. Bangka Belitung
NPL 234 77 70 7 - 375 NPL
15. Kepulauan Riau 9.822 9.292 13.508 188 26 32.408 15. Kepulauan Riau
NPL 214 304 182 4 - 697 NPL
16. Lampung 20.453 10.346 12.881 944 63 42.674 16. Lampung
NPL 789 124 188 18 - 1.084 NPL
17. Kalimantan Selatan 12.752 12.377 17.992 428 7 42.686 17. Kalimantan Selatan
NPL 607 328 462 12 0 1.384 NPL
18. Kalimantan Barat 13.094 14.364 16.128 1.001 39 42.546 18. Kalimantan Barat
NPL 836 380 182 26 - 1.372 NPL
19. Kalimantan Timur 22.025 20.333 23.490 547 2 65.299 19. Kalimantan Timur
NPL 2.413 2.139 752 21 - 5.283 NPL
20. Kalimantan Tengah 5.603 5.718 9.564 380 1 20.504 20. Kalimantan Tengah
NPL 154 41 118 8 - 305 NPL
21. Sulawesi Tengah 7.330 2.176 13.508 489 1 22.526 21. Sulawesi Tengah
NPL 501 94 120 30 - 685 NPL
22. Sulawesi Selatan 39.536 19.692 44.046 1.776 40 101.458 22. Sulawesi Selatan
NPL 1.258 449 827 23 - 2.511 NPL
23. Sulawesi Utara 7.911 4.308 18.945 1.736 2 29.425 23. Sulawesi Utara
NPL 510 214 497 40 - 1.181 NPL
26. Gorontalo 2.823 1.026 5.884 145 0 9.588 26. Gorontalo
NPL 205 74 104 19 - 364 NPL
25. Sulawesi Barat 1.728 675 3.389 176 - 5.616 25. Sulawesi Barat
NPL 67 14 17 3 - 95 NPL
24. Sulawesi Tenggara 5.009 1.961 11.520 219 1 18.270 24. Sulawesi Tenggara
NPL 280 145 146 10 - 560 NPL
27. Nusa Tenggara Barat 8.660 6.609 15.775 189 1 30.855 27. Nusa Tenggara Barat
NPL 314 69 175 24 - 534 NPL
28. Bali 24.783 16.338 25.772 775 14 66.104 28. Bali
NPL 668 828 286 20 - 1.763 NPL
29. Nusa Tenggara Timur 6.456 1.481 13.738 136 1 21.538 29. Nusa Tenggara Timur
NPL 403 47 115 4 - 560 NPL
30. Maluku 2.280 615 5.478 146 2 8.226 30. Maluku
NPL 77 28 35 4 - 136 NPL
31. Papua 8.386 3.270 11.707 393 1 22.968 31. Papua
NPL 958 229 170 13 - 1.344 NPL
32. Maluku Utara 1.634 457 4.349 143 1 6.294 32. Maluku Utara
NPL 67 26 23 8 - 108 NPL
33. Papua Barat 3.372 1.312 4.648 422 - 8.912 33. Papua Barat
NPL 281 233 57 12 - 559 NPL
34. Lainnya 36.874 18.217 8 100 563 54.437 34. Others
NPL 453 - - - - 453 NPL
Total 1.963.139 1.134.358 1.210.584 114.948 43.051 4.150.082 Total
NPL 76.256 38.984 20.752 3.170 805 132.016 NPL
171
Tabel 3.17.a. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lokasi Dati I Bank Penyalur Kredit
(Credit and NPL 0f Commercial Banks to Non Bank Third Party Based on Bank Location)
2016 2017
NPL 5.318 6.833 8.094 8.724 10.070 9.962 10.857 13.138 12.665 12.739 13.305 13.221 13.687 13.287 12.932 13.439 13.585 NPL
2. Banten 64.337 76.353 89.177 97.056 103.360 104.077 105.643 106.548 109.705 108.916 109.566 109.740 109.686 110.085 112.602 110.755 111.840 2. Banten
NPL 1.055 1.162 1.645 2.054 1.970 1.914 1.954 2.079 2.174 2.344 2.428 2.424 2.352 2.465 2.373 2.538 2.582 NPL
3. DKI Jakarta 1.310.522 1.604.953 1.782.027 1.981.495 1.919.280 1.924.036 1.892.232 1.952.705 2.003.639 1.986.283 1.984.619 2.016.819 2.018.760 2.061.820 2.117.143 2.091.877 2.083.637 3. DKI Jakarta
NPL 20.366 22.048 34.143 46.765 52.613 52.913 52.979 57.496 59.839 61.207 62.790 61.297 65.936 68.614 63.315 64.344 65.573 NPL
NPL 387 383 461 471 643 674 698 726 725 742 817 804 804 768 700 752 815 NPL
NPL 2.887 3.492 4.414 6.531 7.190 7.025 7.537 7.756 7.756 7.854 7.797 7.484 7.417 7.609 6.716 6.964 7.131 NPL
NPL 6.257 5.331 6.277 6.824 8.382 8.477 8.693 9.440 8.850 9.526 9.662 9.501 9.817 9.312 10.567 11.213 11.448 NPL
NPL 131 203 283 321 350 345 360 375 364 376 362 352 352 302 254 289 291 NPL
8. Jambi 19.282 23.615 26.225 28.729 28.791 29.165 29.429 29.698 30.396 30.127 30.245 30.520 30.243 30.370 30.651 29.906 30.143 8. Jambi
NPL 328 467 654 809 950 930 987 986 918 940 918 841 850 822 805 794 903 NPL
9. Aceh 20.755 23.538 25.221 27.219 27.058 27.539 27.877 28.170 28.620 28.464 28.810 29.088 29.494 29.752 29.949 29.589 29.914 9. Aceh
NPL 958 1.070 1.101 993 1.070 1.058 1.113 1.085 1.064 1.090 1.059 1.013 1.001 918 789 808 819 NPL
10. Sumatera Utara 130.886 155.203 166.025 178.387 172.948 172.099 172.775 175.767 180.119 176.072 176.650 183.923 183.226 185.823 187.937 186.934 185.033 10. Sumatera Utara
NPL 2.470 3.296 4.140 4.821 5.263 5.311 5.552 5.696 5.535 5.891 5.953 5.694 5.631 5.533 4.704 5.219 5.263 NPL
NPL 627 750 987 1.201 1.369 1.359 1.391 1.439 1.410 1.467 1.443 1.406 1.437 1.356 1.232 1.317 1.312 NPL
12. Riau 43.303 48.573 52.114 56.425 55.574 56.147 56.244 57.156 58.235 57.668 57.894 58.317 58.276 57.979 58.333 57.504 57.643 12. Riau
NPL 1.256 1.489 1.688 2.101 2.349 2.288 2.303 2.381 2.323 2.449 2.406 2.320 2.315 2.198 2.007 2.124 2.150 NPL
13. Sumatera Selatan 44.204 53.339 60.193 64.873 63.960 64.927 65.225 65.856 67.320 66.496 67.010 69.414 69.286 69.600 70.848 69.910 69.018 13. Sumatera Selatan
NPL 1.382 1.844 1.995 1.992 2.199 2.216 2.254 2.360 2.455 2.565 2.543 2.498 2.516 2.414 2.288 2.407 2.461 NPL
14. Bangka Belitung 5.467 7.813 8.767 9.397 8.766 9.394 9.147 9.228 9.615 9.506 9.404 9.993 10.029 10.200 10.578 10.149 10.173 14. 2246,423
NPL 50 102 147 234 267 261 329 342 298 337 348 360 351 360 359 377 382 NPL
NPL 410 393 484 549 580 502 576 615 622 758 720 716 728 544 625 686 701 NPL
16. Lampung 30.146 35.422 38.488 41.410 40.534 41.036 41.329 42.010 42.749 42.358 42.781 43.155 43.285 43.627 44.526 43.362 43.680 16. Lampung
NPL 668 603 859 850 922 930 981 984 1.290 1.351 1.298 1.243 1.225 1.176 1.098 1.095 1.102 NPL
17. Kalimantan Selatan 26.634 31.584 34.920 39.640 39.556 40.057 40.222 40.646 41.663 41.096 41.358 41.884 41.674 42.229 43.057 42.389 43.121 17. Kalimantan Selatan
NPL 403 544 848 1.224 1.458 1.459 1.509 1.554 1.470 1.576 1.632 1.475 1.459 1.442 1.254 1.422 1.397 NPL
18. Kalimantan Barat 24.728 30.303 34.790 38.257 39.026 39.572 39.952 40.610 41.458 41.509 44.180 44.834 43.670 43.987 44.472 43.306 43.586 18. Kalimantan Barat
NPL 198 340 412 665 792 793 836 1.646 1.536 1.694 1.568 1.552 1.085 1.119 1.309 1.372 1.398 NPL
19. Kalimantan Timur 52.316 64.093 65.898 67.023 65.870 65.690 65.354 65.922 67.242 66.090 66.759 67.781 67.560 68.595 67.602 65.983 65.848 19. Kalimantan Timur
NPL 1.239 2.489 3.076 4.125 4.593 4.080 5.011 5.285 5.136 5.293 5.237 5.252 5.581 5.428 4.922 5.178 5.304 NPL
20. Kalimantan Tengah 14.281 16.748 17.356 17.990 18.127 18.260 18.478 18.744 19.387 19.270 19.520 19.473 19.498 19.718 19.618 20.743 20.885 20. Kalimantan Tengah
NPL 106 154 205 229 276 260 285 299 273 293 273 285 287 297 281 301 312 NPL
21. Sulawesi Tengah 13.523 16.408 18.806 20.702 20.482 21.091 21.140 21.503 22.185 21.752 22.138 22.366 22.410 22.686 23.044 22.772 23.015 21. Sulawesi Tengah
NPL 239 325 353 407 478 460 494 523 511 547 569 555 570 685 621 700 715 NPL
22. Sulawesi Selatan 66.433 75.625 83.568 95.041 94.243 96.315 97.275 98.918 101.622 100.782 101.458 102.779 102.663 102.933 103.891 102.643 103.274 22. Sulawesi Selatan
NPL 1.817 2.153 2.620 3.034 3.312 3.237 3.305 3.353 3.101 3.223 3.108 3.085 3.093 2.587 2.376 2.540 2.534 NPL
23. Sulawesi Utara 19.768 23.299 25.997 29.529 29.282 29.594 29.909 30.260 30.687 30.313 30.552 30.800 30.981 31.241 31.420 30.930 31.163 23. Sulawesi Utara
NPL 405 593 788 984 1.085 1.070 1.128 1.158 1.142 1.228 1.221 1.186 1.189 1.155 1.070 1.181 1.221 NPL
24. Gorontalo 5.522 6.735 8.184 9.040 9.000 9.148 9.226 9.298 9.504 9.400 9.532 9.572 9.585 9.668 9.717 9.663 9.734 24. Gorontalo
NPL 110 191 292 348 393 391 389 407 377 392 391 387 380 362 326 348 383 NPL
25. Sulawesi Barat 3.366 3.870 4.280 4.598 4.722 4.840 4.921 5.145 5.400 5.480 5.531 5.584 5.616 5.685 5.684 5.720 5.792 25. Sulawesi Barat
NPL 86 148 147 74 77 73 70 73 66 67 65 68 72 81 79 88 98 NPL
26. Sulawesi Tenggara 10.602 12.963 14.186 16.090 16.493 16.915 17.287 17.582 17.906 17.827 18.032 18.116 18.248 18.394 18.262 18.283 18.489 26. Sulawesi Tenggara
NPL 154 226 335 393 436 442 458 474 445 471 498 506 513 494 491 550 570 NPL
27. Nusa Tenggara Barat 15.323 18.383 21.242 23.977 24.250 24.756 25.130 25.421 25.799 25.676 25.911 26.261 26.525 31.840 31.392 30.676 31.045 27. Nusa Tenggara Barat
NPL 217 258 370 476 558 533 563 591 535 561 568 537 528 516 496 543 558 NPL
28. Bali 38.418 47.875 55.483 60.973 60.519 61.256 61.851 62.541 63.773 63.761 64.478 65.230 65.730 66.223 67.033 66.490 66.893 28. Bali
NPL 199 239 520 1.293 1.482 1.499 1.512 1.612 1.538 1.614 1.729 1.787 1.405 1.301 1.440 1.698 1.782 NPL
29. Nusa Tenggara Timur 12.525 14.917 17.094 19.488 19.164 19.556 19.877 20.279 20.845 20.833 21.150 21.507 21.697 21.853 21.913 21.456 21.675 29. Nusa Tenggara Timur
NPL 174 199 232 297 360 356 366 381 370 391 378 445 472 543 507 553 564 NPL
30. Maluku 5.576 6.545 7.072 7.707 7.745 7.884 7.959 8.096 8.269 8.169 8.194 8.361 8.346 8.429 8.521 8.308 8.373 30. Maluku
NPL 163 163 141 139 147 152 148 148 144 148 151 147 143 141 135 142 140 NPL
31. Papua 14.439 17.763 20.431 22.187 21.284 21.747 21.954 22.407 23.015 22.763 23.115 23.578 23.712 23.847 24.279 23.240 23.362 31. Papua
NPL 179 311 797 1.107 1.172 1.147 1.194 1.222 1.265 1.302 1.298 1.288 1.301 1.269 1.090 1.243 1.356 NPL
32. Maluku Utara 3.847 4.631 5.067 5.685 5.711 5.832 5.910 5.984 6.094 6.054 6.116 6.196 6.254 6.321 6.405 6.355 6.439 32. Maluku Utara
NPL 77 129 116 104 111 111 120 121 114 132 123 122 132 126 106 116 116 NPL
33. Irian Jaya Barat 5.398 6.731 7.616 8.123 7.938 8.299 8.420 8.533 8.859 8.765 8.896 9.214 9.091 9.254 9.685 9.204 9.333 33. Papua Barat
NPL 76 132 423 456 478 484 484 498 482 495 519 543 568 508 414 519 571 NPL
34. Lainnya 15.310 23.731 34.166 48.581 44.356 47.545 70.501 47.213 46.730 46.030 46.117 47.240 48.420 49.986 55.172 55.148 55.100 34. Others
NPL 202 222 337 335 366 365 860 374 363 360 370 336 367 513 456 453 453 NPL
Total 2.707.862 3.292.874 3.674.308 4.057.904 3.967.908 4.000.448 4.006.707 4.070.454 4.168.308 4.130.440 4.146.287 4.212.377 4.215.516 4.284.941 4.377.195 4.312.991 4.308.081 Total
NPL 50.595 58.279 79.388 100.933 113.761 113.077 117.295 126.616 127.156 131.425 133.546 130.728 135.563 136.246 128.135 133.311 135.991 NPL
172
Tabel 3.18. Kredit dan NPL Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Hubungan Penerima Kredit dengan Bank
(Credit and NPL of Commercial Banks to Non Bank Third Party Based on Bank Relation with Beneficiary)
2016 2017
Kredit Kepada Pihak Tidak Loan for Non Connected
2.674.701 3.263.361 3.639.181 4.012.012 3.926.170 3.957.867 3.967.521 4.028.045 4.124.798 4.089.207 4.103.118 4.165.282 4.167.357 4.234.025 4.320.302 4.257.138 4.250.672
Terkait Parties
e. Macet 34.218 39.310 49.751 67.912 75.902 75.169 78.449 83.524 80.277 84.862 88.845 88.338 90.095 90.980 84.516 86.610 88.029 e. Lost
Non Performing Loan Pihak Tidak 50.371 58.175 79.306 100.655 113.069 112.396 116.653 125.833 126.393 130.666 132.784 129.978 134.783 135.456 127.355 132.532 135.211 Non Performing Loan of Non
Terkait Connected Parties
Kredit Kepada PihakTerkait 33.161 29.513 35.128 45.893 41.739 42.581 39.186 42.409 43.510 41.233 43.169 47.094 48.159 50.916 56.893 55.853 57.409 Loan for Connected Parties
a. Lancar a. Current
32.694 29.235 34.920 44.462 40.227 41.118 37.702 40.980 42.129 39.926 41.787 45.648 46.567 49.303 55.454 54.182 55.699
b. DPK b. Special Mention

243 174 126 1.153 820 782 842 646 618 548 620 696 811 822 659 892 931
c. Kurang Lancar c. Sub-Standard

15 15 5 246 210 205 204 143 129 130 129 125 124 130 123 125 124
d. Diragukan d. Doubtful
13 8 5 3 421 5 5 204 208 10 5 4 4 4 3 2 5
e. Macet e. Lost
196 81 71 28 61 470 433 436 427 620 629 622 653 657 655 652 651
Non Performing Loan of

Non Performing Loan Pihak Terkait 224 104 82 277 692 681 642 783 764 759 762 750 781 791 780 779 780
Connected Parties
173
Tabel 3.19.a. Kredit dan NPL Bank Umum kepada Pihak Ketiga Bukan Bank Yang Penarikannya Menggunakan Kartu Berdasarkan Kelompok Bank
(Credit and Non Performing Loan (NPL) of Commercial Banks to Non Bank Third Party Withdrawn By Card Based on Group of Bank)
2016 2017
Pengelompokan Bank 2012 2013 2014 2015 Group of Banks
1. Bank Persero 9.326 10.726 16.261 19.114 19.161 19.004 19.084 19.262 19.199 19.100 19.126 19.194 19.337 19.611 19.998 19.994 19.995 1. State Owned Banks
NPL 188 221 320 548 600 574 587 586 562 569 583 586 569 559 546 556 559 NPL
Foreign Exchange
2. BUSN Devisa 16.823 24.184 30.898 35.308 35.746 35.717 35.924 36.305 36.677 37.167 37.028 37.346 37.613 38.697 39.990 39.719 39.624 2.
Commercial Banks
NPL 363 386 554 874 973 992 972 941 939 938 948 933 938 921 1.012 1.271 1.291 NPL
3. Non-Foreign Exchange
3. BUSN Non Devisa - - - - - - 0 - - - - - - - - - -
Commercial Banks
NPL - - - - - - - - - - - - - - - - NPL
Regional Development
4. BPD 2 2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4.
Banks
NPL 0 0 0 - - - - - - - - - - - - - - NPL
5. Bank Campuran 3.656 3.984 4.382 5.133 5.372 5.226 5.080 5.011 4.926 4.850 4.768 4.760 4.772 4.795 4.764 4.840 4.814 5. Joint Venture Banks
NPL 182 195 113 151 159 169 171 179 179 189 193 206 210 203 192 184 186 NPL
6. Bank Asing 12.762 12.770 11.791 11.457 11.281 11.150 11.103 11.049 10.952 11.247 10.963 10.955 10.985 11.053 11.255 11.218 11.237 6. Foreign Owned Banks
NPL 581 622 213 264 280 274 268 268 263 279 286 279 289 281 279 281 280 NPL
7. Bank Umum 42.568 51.666 63.332 71.013 71.560 71.097 71.191 71.628 71.628 72.364 71.885 72.255 72.708 74.157 76.007 75.771 75.670 7. Commercial Bank
NPL 1.314 1.424 1.200 1.836 2.013 2.010 1.997 1.973 1.973 1.976 2.010 2.004 2.007 1.965 2.029 2.293 2.316 NPL
174
Tabel 3.20.a. Penerusan Kredit (Off - Balance Sheet ) dan NPL Penerusan Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Lapangan Usaha Penerima Penerusan Kredit
(Credit Channeling (Off-Balance Sheet) and Non Performing Loan (NPL) of Commercial Banks Based on Industries Sector and non Industries Sector of Credit Channeling Beneficiary)
2016 2017
Penerima Kredit Lapangan Usaha Loan by Industrial Origin
1. Pertanian, Perburuan dan 3.106 2.943 2.922 2.812 2.828 2.800 2.765 2.759 2.749 2.553 2.749 2.748 2.636 2.637 2.651 2.623 2.620 1. Agricultures, Hunting and Forestry
Kehutanan
NPL 1.998 1.966 2.005 1.902 1.947 1.944 1.944 1.946 1.906 1.905 1.908 1.910 1.891 1.892 1.891 1.891 1.894 NPL
2. Perikanan 106 103 101 102 102 104 103 102 103 102 103 103 102 102 100 103 99 2. Fisheries
NPL 71 69 69 68 68 68 68 68 68 68 69 69 68 68 70 73 69 NPL
3. Pertambangan dan Penggalian 2 1.265 1 159 154 3 2 158 2 2 2 2 2 2 2 2 2 3. Mining and Quarrying
NPL 1 0 1 1 1 3 1 1 1 1 1 1 1 1 1 1 1 NPL
4. Industri Pengolahan 3.756 4.356 3.276 3.373 3.288 2.945 2.556 2.614 2.553 2.532 2.564 1.968 303 248 248 248 248 4. Procesing Industry
NPL 995 117 325 406 400 338 336 343 337 336 340 336 41 41 41 41 41 NPL
5. Listrik, gas dan air 8.127 8.581 7.093 7.048 7.232 7.140 1.195 520 409 407 410 177 4 4 4 4 4 5. Electricity, Gas and Water
NPL 274 292 291 225 323 250 224 224 142 142 142 142 2 2 2 2 2 NPL
6. Konstruksi 804 1.002 1.037 1.133 1.133 1.123 1.117 1.154 1.088 1.079 1.092 1.076 31 31 31 32 31 6. Construction
NPL 778 976 1.001 1.110 1.079 1.070 1.064 1.101 1.066 1.057 1.070 1.053 11 11 11 11 11 NPL
7. Perdagangan Besar dan Eceran 481 804 844 715 736 768 757 754 689 710 693 588 585 583 584 607 604 7. Big and Retail Trade
NPL 349 356 374 369 350 354 351 351 351 351 355 351 351 351 351 351 350 NPL
8. Penyediaan akomodasi dan 40 16 91 39 39 39 44 39 39 39 39 39 39 39 39 38 38 8. Provision of accomodation and Food
penyediaan makan minum Supply Drinking
NPL 38 16 39 38 38 38 43 38 38 38 38 38 38 38 37 37 37 NPL
9. Transportasi, pergudangan dan 1.916 2.002 1.741 1.819 1.830 184 160 160 160 159 160 160 34 34 34 34 33 9. Transportation, Warehousing and
komunikasi Communications
NPL 34 45 51 50 49 32 32 32 32 32 32 32 32 32 32 32 32 NPL
10. Perantara Keuangan 408 346 355 453 439 438 440 440 480 609 483 483 483 480 480 479 479 10. Transitional Finance
NPL 404 342 330 427 414 413 415 413 454 455 458 458 458 454 455 455 455 NPL
11. Real Estate, Usaha Persewaan, 175 171 600 222 222 222 222 222 222 222 210 210 210 194 176 175 175 11. Real Estate, Business, Ownership,
NPL 139 140 134 132 132 132 132 132 132 132 132 132 132 132 132 132 132 NPL
12. Admistrasi Pemerintahan, 200 197 199 178 40 41 40 40 40 40 40 40 40 40 40 40 40 12. Government administration, Defese
Pertahanan dan Jaminan Sosial and Compulsory Social Security
Wajib
NPL 141 140 141 140 38 37 38 38 38 38 38 37 37 37 37 37 38 NPL

13. Jasa Pendidikan 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 13. Education Services
NPL 30 29 29 29 29 29 29 29 29 29 29 29 29 29 30 30 30 NPL
14. Jasa Kesehatan dan Kegiatan 80 73 90 96 94 147 93 95 93 93 93 92 91 93 93 93 92 14. Health Services and Social Activities
Sosial
NPL 79 73 90 95 94 147 93 95 93 92 93 92 91 93 93 92 92 NPL
15. Jasa Kemasyarakatan, Sosial 539 550 529 535 524 521 519 520 518 517 517 516 517 517 516 516 516 15. Community,
Budaya, Hiburan dan Perorangan Sociocultural,Entertainment and
lainnya Other Individual Services
NPL 503 503 501 522 521 518 516 517 515 514 514 513 514 514 513 513 513 NPL
16. Jasa Perorangan yang Melayani 21 189 13 13 12 12 12 12 12 12 12 12 12 12 12 12 12 16. Individual Services which Serve
Rumah Tangga Households
NPL 14 14 11 11 11 11 11 11 11 11 11 11 11 11 11 11 11 NPL
17. Badan Internasional dan Badan 85 - 80 79 79 79 90 78 78 79 78 77 77 77 77 77 77 17. International Agency and Other Extra
Ekstra Internasional Lainnya Agency International
NPL 79 - 79 79 78 78 78 78 78 79 77 77 77 77 77 77 77 NPL
18. Kegiatan yang belum jelas 4.702 4.747 4.300 4.253 4.478 4.378 4.342 4.378 4.408 4.437 4.402 4.372 4.354 4.346 4.326 4.306 4.291 18. Business Activities which are not
NPL 4.107 123 3.749 3.765 3.757 3.750 3.743 3.772 3.729 3.715 3.717 3.693 3.684 3.688 3.682 3.673 3.672 NPL
Total 24.576 27.375 23.301 23.059 23.260 20.975 14.488 14.074 13.673 13.622 13.676 12.693 9.549 9.466 9.441 9.418 9.392 Total
NPL 10.034 5.202 9.220 9.372 9.330 9.215 9.121 9.189 9.022 8.996 9.024 8.975 7.469 7.472 7.467 7.460 7.457 NPL
175
Tabel 3.21.a. Penerusan Kredit (Off-Balance Sheet) dan NPL Penerusan Kredit Bank Umum Kepada Pihak Ketiga Bukan Bank Berdasarkan Jenis Kredit dan Golongan Penyalur Kredit
(Off-Balance Sheet Credit Channeling and NPL of Commercial Banks to Non-Bank Third Party Based on Types of Credit and Classification of Credit Providers)
2016 2017
Berdasarkan Jenis Kredit Based on the type of credit
1. Kredit Usaha Kecil 1. Small Business Loans
a. Dalam rangka penerusan kredit 2.229 2.394 2.425 2.437 2.453 2.452 2.453 2.452 2.452 2.448 2.449 2.448 2.460 2.451 2.451 2.449 2.445 a. Channeling Credit From BI
dari BI
NPL 2.179 2.345 2.375 2.387 2.404 2.403 2.403 2.402 2.402 2.398 2.399 2.398 2.410 2.401 2.401 2.399 2.396 NPL
b. Lainnya 1.182 1.166 1.201 1.164 1.158 1.155 1.150 1.145 1.141 1.139 1.134 1.124 1.122 1.119 1.134 1.133 1.128 b. Other
NPL 905 922 972 988 987 987 987 985 985 984 982 978 977 975 974 973 972 NPL
2. Bukan KUK 2. Not Small Business Loans
a. Kredit kelolaan 15.308 16.013 13.841 14.461 14.443 12.145 5.732 5.307 4.904 4.836 4.920 4.072 927 937 934 933 933 a. Loans
NPL 2.648 1.739 1.957 2.067 2.016 1.850 1.818 1.860 1.741 1.730 1.745 1.725 211 222 224 228 228 NPL
b. Dalam rangka penerusan kredit 72 44 40 44 40 40 40 40 41 44 45 44 44 41 41 41 44 b. Channeling Credit from BI
dari BI
NPL 72 44 40 44 40 40 40 40 41 44 45 44 44 41 41 41 44 NPL
c. Bantuan Proyek 7 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6 c. Aid Project
NPL 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 NPL
d. Kredit Kelolaan di luar bantuan 10 5 4 10 38 38 38 37 4 4 4 4 4 4 17 17 16 d. Credit Channeling
proyek
NPL 8 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 NPL
e. Lainnya 5.768 7.746 5.783 4.937 5.121 5.138 5.071 5.086 5.126 5.145 5.119 4.995 4.985 4.909 4.858 4.840 4.819 e. Other
NPL 4.222 148 3.872 3.882 3.879 3.931 3.869 3.897 3.850 3.835 3.849 3.827 3.823 3.829 3.823 3.815 3.814 NPL
Berdasarkan Golongan Penyalur Based Distribution Group

1. Koperasi 2.240 2.148 2.149 2.144 2.149 2.168 2.169 2.151 2.150 2.148 2.156 2.154 2.151 2.149 2.148 2.146 2.146 1. Cooperation
NPL 2.147 2.058 2.063 2.065 2.071 2.091 2.092 2.071 2.073 2.072 2.075 2.073 2.070 2.068 2.068 2.066 2.066 NPL
2. Lembaga Swadaya Masyarakat 4.401 212 4.014 4.008 3.998 3.996 3.992 3.998 3.992 3.990 3.992 3.988 3.987 3.993 3.990 3.986 3.985 2. Non-Governmental
Organization
NPL 4.281 211 3.960 3.956 3.948 3.947 3.941 3.938 3.923 3.924 3.922 3.916 3.912 3.916 3.910 3.903 3.902 NPL
3. Swasta Lainnya 17.936 25.015 17.138 16.907 17.113 14.811 8.327 7.926 7.531 7.484 7.528 6.551 3.411 3.325 3.302 3.287 3.262 3. Other Private
NPL 3.606 2.933 3.197 3.351 3.310 3.177 3.088 3.180 3.025 3.000 3.026 2.986 1.487 1.488 1.488 1.491 1.489 NPL
Total 24.576 27.375 23.301 23.059 23.260 20.975 14.488 14.074 13.673 13.622 13.676 12.693 9.549 9.466 9.441 9.418 9.392 Total
176
Tabel 3.22.a. Kredit Bank Perkreditan Rakyat Berdasarkan Sektor Ekonomi

(Credit of Rural Banks Based on Economic Sector)
2016 2017
1 Pertanian, Perburuhan, dan 3.640 4.040 4.477 4.573 4.691 4.731 4.792 4.904 5.020 4.982 4.963 4.924 4.909 4.904 4.908 4.945 5.021 1. Agriculture, Hunting, and Forestry
Kehutanan
2 Perikanan 106 137 196 228 237 244 252 260 269 259 263 263 266 271 289 305 308 2. Fishery
3 Pertambangan dan 99 113 138 118 123 124 130 131 132 141 145 157 160 165 162 162 168 3. Mining and Quarrying
Penggalian
4 Industri Pengolahan 674 783 881 943 935 942 971 980 1.012 1.002 1.008 1.050 1.027 1.034 1.044 1.039 1.078 4. Processing industry
5 Listrik, Gas dan Air 29 38 52 61 61 62 68 70 73 72 70 74 76 80 73 74 75 5. Electricity, Gas and Water
6 Konstruksi 1.009 1.426 1.469 1.797 1.769 1.803 1.856 1.914 1.990 2.008 2.017 2.098 2.109 2.141 2.112 2.037 2.074 6. Construction
7 Perdagangan Besar dan 14.382 15.088 17.593 19.151 19.182 19.365 19.653 20.356 20.798 20.529 20.667 20.582 20.694 20.839 21.021 21.052 21.272 7. Wholesale and Retail Trade
Eceran
8 Penyediaan Akomodasi dan 311 405 495 571 615 612 613 623 651 647 663 640 664 678 696 709 742 8. Provision of accommodation and
Penyedian Makan Minum the provision of eating and
9 Transportasi, Pergudangan 1.140 1.104 1.339 1.439 1.466 1.489 1.530 1.540 1.560 1.559 1.576 1.594 1.609 1.643 1.650 1.688 1.728 drinking
9. Transportation, Warehousing and
dan Komunikasi communications
10 Perantara Keuangan 64 69 96 170 171 167 169 173 178 172 178 180 171 174 173 178 173 10. Financial intermediaries
11 Real Estate, Usaha 272 516 1.406 1.891 1.874 1.867 1.839 1.873 1.884 1.927 1.897 1.897 1.899 1.902 1.909 1.915 1.949 11. Real Estate, Business,
Persewaan, dan Jasa Ownership, and Business
12 Perusahaan Pemerintahan,
Administrasi 56 78 90 113 106 108 109 112 108 104 101 108 109 123 105 101 108 12. Services
Government administration,
Pertanahan Dan Jaminan Defese and Compulsory Social
Sosial Wajib Security
13 Jasa Pendidikan 120 149 159 197 204 208 203 209 222 207 216 208 216 206 208 207 217 13. Education services
14 Jasa Kesehatan dan Kegiatan 82 139 138 184 187 186 182 186 187 181 182 185 190 188 193 195 196 14. Health Services and Social
Sosial Activities
15 Jasa Kemasyarakatan, Sosial 1.565 2.427 3.087 2.642 2.538 2.517 2.499 2.087 2.120 2.134 2.156 2.153 2.058 2.031 2.070 2.077 2.107 15. Community, Sociocultural,
Budaya, Hiburan dan Entertainment and Other
Perorangan Lainnya Individual Services
16 Jasa Perorangan yang 506 683 870 919 927 944 971 965 977 979 992 986 993 1.000 985 975 973 16. Individual Services which Serve
Melayani Rumah Tangga
17 Kegiatan Usaha yang Belum 1.939 2.611 2.905 3.416 3.439 3.460 3.574 3.601 3.770 3.710 3.714 3.796 3.807 3.872 4.001 3.971 3.999 17. Business Activities are not clearly
Jelas Batasannya defined
18 Bukan Lapangan Usaha - 5.376 2.470 2.726 3.192 3.245 3.261 3.294 3.337 3.426 3.545 3.672 3.643 3.694 3.708 3.733 3.794 3.699 18. Loans to Non Industrial Origin -
19 Bukan Lapangan Usaha - 18.449 26.900 30.273 33.200 33.720 34.126 34.503 34.879 35.386 35.089 35.259 35.544 35.680 36.025 36.352 36.442 36.981 19. Non Industrial Origin-Others
Lainnya
Total 49.818 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 Total
177
Tabel 3.23.a. Kredit Bank Perkreditan Rakyat Berdasarkan Jenis Penggunaan

(Credit of Rural Banks Based on Type of Use)
2016 2017
Modal Kerja Working Capital
- Pertanian, Perburuhan, dan Kehutanan 3.074 3.455 3.833 3.911 4.024 4.065 4.123 4.230 4.337 4.301 4.286 4.248 4.249 4.235 4.248 4.280 4.353 - Agricultures, hunting and forestry
- Perikanan 99 127 183 209 218 223 232 239 246 238 241 242 243 247 262 276 279 - Fisheries
- Pertambangan dan Penggalian 88 97 126 101 107 107 114 115 115 125 128 138 139 144 143 142 146 - Mining and Quarrying
- Industri Pengolahan 619 703 774 828 811 814 844 851 879 870 874 914 886 889 904 902 940 - Procesing industry
- Listrik, Gas dan Air 28 37 46 51 50 51 57 58 62 61 59 64 65 70 64 64 64 - Electricity, gas and water
- Konstruksi 933 1.315 1.307 1.619 1.593 1.636 1.691 1.749 1.829 1.849 1.857 1.938 1.950 1.983 1.959 1.884 1.925 - Construction
- Perdagangan Besar dan Eceran 13.433 14.028 16.243 17.592 17.571 17.723 18.001 18.677 19.097 18.859 18.972 18.879 18.933 19.054 19.183 19.127 19.376 - Big and retail trade
- Penyediaan Akomodasi dan Penyedian Makan Minum 264 326 375 422 453 453 454 464 491 486 483 470 479 496 506 513 539 - Provision of accomodation and food supply
- Transportasi, Pergudangan dan Komunikasi 702 718 854 939 948 975 986 987 996 997 996 1.007 1.007 1.013 1.011 1.013 1.036 - drinking
Transportation, warehousing and
- Perantara Keuangan 56 56 84 149 144 140 143 146 153 148 155 158 149 151 151 152 151 - communications
Transitional Finance
- Real Estate, Usaha Persewaan dan Jasa Perusahaan 216 443 1.235 1.657 1.628 1.617 1.584 1.612 1.620 1.666 1.634 1.625 1.636 1.633 1.635 1.644 1.667 - Real estate, Rental Business, and services
- Administrasi Pemerintahan, Pertanahan dan Jaminan 42 59 66 78 74 78 77 80 78 75 74 82 82 96 77 72 78 - company
Government administration, the defense and
- Jasa Pendidikan 83 102 107 118 118 123 124 129 132 126 127 126 124 123 123 123 125 - Education services
- Jasa Kesehatan dan Kegiatan Sosial 65 85 102 132 137 134 136 137 136 130 129 131 133 130 137 136 131 - Health and social services
- Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 1.363 2.161 2.815 2.311 2.215 2.178 2.150 1.748 1.774 1.776 1.787 1.776 1.690 1.657 1.691 1.684 1.713 - Community, Sociocultural,Entertainment and
Perorangan Lainnya Other Individual Services
- Jasa Perorangan yang Melayani Rumah Tangga 437 563 687 691 699 713 747 740 755 756 770 761 765 765 745 740 737 - Individual services which serve households
- Kegiatan Usaha yang Belum Jelas Batasannya 1.531 2.165 2.361 2.705 2.706 2.730 2.819 2.826 2.963 2.907 2.901 2.958 2.971 3.014 3.119 3.084 3.118 - International Agency and Other Extra Agency
International
- Bukan Lapangan Usaha - Rumah Tangga - 43 - - - - - - - - - - - - - - - - Not the business field households
- Bukan Lapangan Usaha - Lainnya - 376 - - - - - - - - - - - - - - - - Not the business field other
Total Modal Kerja 23.030 26.860 31.198 33.514 33.495 33.760 34.281 34.787 35.665 35.368 35.472 35.517 35.499 35.704 35.958 35.838 36.379 Total Working Capital
Investasi Investment
- Pertanian, Perburuhan, dan Kehutanan 565 585 644 662 667 666 668 674 682 681 677 676 661 669 659 665 668 - Agricultures, hunting and forestry
- Perikanan 7 9 13 19 19 21 19 21 23 21 22 22 24 24 27 29 29 - Fisheries
- Pertambangan dan Penggalian 12 16 12 17 16 17 16 16 16 16 17 18 21 20 19 20 22 - Mining and Quarrying
- Industri Pengolahan 55 80 107 116 124 127 127 130 134 132 134 135 141 144 140 136 138 - Procesing industry
- Listrik, Gas dan Air 2 2 6 10 11 11 11 11 11 11 11 10 11 10 10 11 11 - Electricity, gas and water
- Konstruksi 77 111 162 178 177 167 165 165 161 159 159 160 159 157 153 153 148 - Construction
- Perdagangan Besar dan Eceran 949 1.059 1.350 1.559 1.611 1.641 1.652 1.679 1.701 1.669 1.695 1.704 1.762 1.784 1.838 1.925 1.896 - Big and retail trade
- Penyediaan Akomodasi dan Penyedian Makan Minum 47 78 17.787 149 162 159 159 158 159 162 180 170 184 182 190 196 203 - Provision of accomodation and food supply
- Transportasi, Pergudangan dan Komunikasi 438 386 484 500 518 514 544 553 563 562 580 587 603 630 639 675 691 - drinking
Transportation, warehousing and
- Perantara Keuangan 8 13 13 22 26 26 26 27 26 25 23 23 22 23 22 25 22 communications
- Transitional Finance
- Real Estate, Usaha Persewaan dan Jasa Perusahaan 56 73 171 234 247 250 255 261 264 261 263 272 263 268 274 271 282 - Real estate, Rental Business, and services
- Administrasi Pemerintahan, Pertanahan dan Jaminan 14 20 24 35 31 31 31 32 30 29 27 26 27 27 28 29 30 company
- Government administration, the defense and
- Jasa Pendidikan 37 47 52 79 86 84 79 80 90 82 89 83 92 82 85 84 92 - Education services
- Jasa Kesehatan dan Kegiatan Sosial 18 54 36 52 50 52 46 49 51 52 53 54 57 58 56 59 65 - Health and social services
- Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan 202 266 272 331 323 339 349 339 346 358 368 377 367 374 379 393 394 - Community, Sociocultural,Entertainment and
Perorangan Lainnya Other Individual Services
- Jasa Perorangan yang Melayani Rumah Tangga 69 120 183 228 228 231 224 226 222 223 223 225 228 235 240 234 236 - Individual services which serve households
- Kegiatan Usaha yang Belum Jelas Batasannya 408 445 544 711 734 730 755 775 807 803 813 837 836 857 882 886 881 - International Agency and Other Extra Agency
International
- Jasa Perorangan yang Melayani Rumah Tangga - 11 - - - - - - - - - - - - - - - - Not the business field households
- Bukan Lapangan Usaha - Lainnya - 111 - - - - - - - - - - - - - - - - Not the business field other
Total Investasi 2.964 3.486 4.194 4.900 5.029 5.069 5.129 5.195 5.287 5.245 5.335 5.378 5.458 5.545 5.641 5.792 5.809 Total Investment
Konsumsi Consumption
- Kredit pemilikan rumah (KPR) yang dijamin dengan hak 766 940 1.239 1.511 1.546 1.592 1.624 1.639 1.680 1.694 1.674 1.666 1.692 1.678 1.695 1.715 1.702 - Housing Loan (mortgage) secured by first
tanggungan pertama dengan tujuan untuk dihuni mortgage in order to live
- Kredit pemilikan kendaraan bermotor 1.422 1.815 1.926 1.917 1.880 1.844 1.816 1.767 1.735 1.691 1.712 1.753 1.683 1.666 1.723 1.619 1.605 - Vehicle Loans
- Kredit konsumsi lainnya 21.636 26.075 29.834 32.965 33.540 33.952 34.357 34.811 35.398 35.249 35.544 35.768 35.999 36.389 36.668 36.903 37.374 - Other consumer credit
Total Konsumsi 23.824 28.831 32.999 36.393 36.965 37.387 37.797 38.217 38.813 38.634 38.931 39.187 39.374 39.733 40.085 40.236 40.680 Total consumption
Total 49.818 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 Total
178
Tabel 3.24.a. Kredit Bank Perkreditan Rakyat Berdasarkan Lokasi Bank Penyalur
(Credit of Rural Banks Based on Banks Location)
2016 2017
2. Banten 1.128 1.289 1.437 1.676 1.740 1.763 1.821 1.871 1.912 1.894 1.921 1.961 1.966 1.997 2.016 2.036 2.064 2. Banten
3. DKI Jakarta 882 981 1.164 1.343 1.404 1.421 1.463 1.438 1.462 1.442 1.467 1.489 1.479 1.499 1.493 1.489 1.497 3. DKI Jakarta
8. Jambi 488 544 525 510 519 508 512 511 525 525 527 534 533 540 535 534 542 8. Jambi
9. Aceh 100 118 126 131 137 140 144 149 153 153 155 157 158 159 160 159 163 9. Aceh
11. Sumatera Barat 1.050 995 1.002 1.022 1.030 1.047 1.071 1.096 1.106 1.088 1.093 1.093 1.092 1.096 1.090 1.089 1.099 11. Sumatera Barat
12. Riau 694 733 818 889 896 898 905 918 936 929 933 933 939 938 936 927 926 12. Riau
16. Lampung 4.022 5.465 6.454 7.142 7.251 7.327 7.409 7.462 7.516 7.471 7.504 7.538 7.609 7.695 7.787 7.837 7.943 16. Lampung
21. Sulawesi Tengah 811 1.187 1.337 1.680 1.706 1.722 1.737 1.752 1.769 1.770 1.781 1.794 1.850 1.899 1.927 1.951 1.985 21. Sulawesi Tengah
22. Sulawesi Selatan 790 931 1.067 1.190 1.267 1.283 1.299 1.338 1.463 1.535 1.649 1.675 1.690 1.695 1.707 1.728 1.757 22. Sulawesi Selatan
27. Nusa Tenggara Barat 633 709 820 900 929 938 950 952 955 941 944 947 950 966 983 988 1.004 27. Nusa Tenggara Barat
28. Bali 4.754 5.942 7.120 8.279 8.328 8.367 8.427 8.458 8.566 8.629 8.717 8.725 8.830 8.910 9.032 9.008 9.109 28. Bali
30. Maluku 541 757 945 1.112 1.135 1.153 1.171 1.189 1.200 1.205 1.221 1.232 1.248 1.267 1.274 1.290 1.309 30. Maluku
31. Papua 412 498 643 778 801 813 827 836 834 835 840 846 850 858 858 863 878 31. Papua
34. Lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 34. Others
Total 49.818 59.176 68.391 74.807 75.489 76.216 77.207 78.199 79.764 79.247 79.738 80.083 80.330 80.982 81.684 81.867 82.868 Total
179
Tabel 3.25.a. Kredit dan Non Performing Loan UMKM dan MKM Sektor Ekonomi
(SMEs Credit & Micro, Small, and NPL Based on Economic Sector)
2016 2017
**)
UMKM UMKM
1. Pertanian, Perburuan dan 1. Agriculture, hunting, and forestry
Kehutanan
Baki Debet 40.709 48.193 54.506 61.083 61.243 61.959 62.633 62.620 64.227 63.906 63.829 64.040 66.909 67.453 67.014 67.293 67.293 Total
NPL 1.492 1.615 2.146 2.520 2.801 2.730 2.870 2.970 2.813 2.893 2.869 2.720 3.023 2.783 2.587 2.609 2.609 NPL
2. Perikanan 2. Fishery
Baki Debet 2.900 3.707 4.153 4.447 4.359 4.439 7.150 4.475 4.571 4.506 4.526 4.616 4.621 4.642 4.762 4.693 4.693 Total
NPL 163 171 157 180 199 199 301 208 197 190 188 188 177 162 150 192 192 NPL
3. Pertambangan dan Penggalian 3. Mining and quarrying
Baki Debet 5.427 4.753 4.763 4.838 4.261 4.434 4.588 4.912 4.947 5.271 5.206 4.423 4.969 4.976 4.703 4.499 4.499 Total
NPL 153 184 258 429 379 300 346 307 315 329 324 270 252 320 306 258 258 NPL
4. Industri Pengolahan 4. Processing industry
Baki Debet 59.500 60.087 67.558 76.518 77.160 76.232 77.219 76.981 79.091 77.444 77.863 79.206 81.132 83.487 84.196 80.152 80.152 Total
NPL 1.798 1.736 2.140 2.759 3.021 2.968 3.157 3.318 3.174 3.272 3.320 3.456 3.729 3.590 3.177 3.393 3.393 NPL
5. Listrik, Gas dan Air 5. Electricity, gas and water
Baki Debet 1.474 1.750 2.187 2.079 1.908 1.896 1.755 2.165 2.183 2.201 2.416 2.317 2.330 2.385 2.501 2.373 2.373 Total
NPL 14 22 26 99 107 54 51 39 33 52 65 76 77 76 72 67 67 NPL
Baki Debet 30.594 38.780 40.614 43.246 38.724 40.038 40.555 42.373 45.176 45.776 47.195 49.537 50.767 50.773 48.190 43.005 43.005 Total
NPL 1.497 1.865 2.990 3.197 3.466 3.485 3.465 3.567 3.410 3.611 3.629 3.411 3.823 3.643 3.277 3.876 3.876 NPL
7. Perdagangan Besar dan Eceran 7. Wholesale and retail trade
Baki Debet 248.870 323.056 355.198 395.843 393.314 399.019 403.423 410.484 419.701 413.454 418.453 423.225 424.154 428.300 432.560 423.204 423.204 Total
NPL 8.458 10.621 13.004 15.125 17.505 17.073 17.835 18.260 17.391 18.179 18.525 17.930 18.003 17.323 16.555 17.658 17.658 NPL
8. Penyediaan Akomodasi dan 8. Provision of accommodation and the
Penyediaan Makan Minum provision of eating and drinking
Baki Debet 13.714 18.132 21.144 26.170 25.880 26.441 27.345 27.605 27.917 28.146 28.380 28.541 30.362 30.813 30.914 30.453 30.453 Total
NPL 303 357 550 764 921 957 1.064 1.032 1.082 1.221 1.204 1.162 1.089 986 1.101 1.237 1.237 NPL
9. Transportasi, Pergudangan dan 9. Transportation, warehousing and
Komunikasi communications
Baki Debet 20.678 24.354 24.658 26.112 25.055 26.381 26.001 26.347 26.323 26.025 26.344 26.676 31.835 32.626 27.403 26.843 26.843 Total
NPL 485 654 964 1.292 1.223 1.206 1.240 1.322 1.178 1.267 1.242 1.267 1.432 1.375 1.303 1.416 1.416 NPL
10. Perantara Keuangan 10. Financial intermediaries
Baki Debet 14.147 13.963 14.578 14.340 14.394 13.979 13.544 13.514 13.620 13.308 13.374 13.805 14.048 13.846 13.707 13.290 13.290 Total
NPL 161 377 447 339 416 424 438 449 433 445 484 487 471 419 355 365 365 NPL
11. Real Estate, Usaha Persewaan, dan 11. Real estate, Business Ownership,
Jasa Perusahaan and Business Services
Baki Debet 25.859 31.572 33.462 36.894 38.466 38.469 35.962 39.244 40.049 39.066 39.722 40.373 39.812 38.544 38.504 37.412 37.412 Total
NPL 689 881 1.189 1.477 1.790 1.732 1.675 1.786 1.677 1.703 1.674 1.566 1.510 1.448 1.400 1.372 1.372 NPL
12. Administrasi Pemerintahan, 12. Government administration, defense
Pertahanan, dan Jaminan Sosial and compulsory social security
Baki Debet 229 284 221 233 221 235 1.005 235 236 227 227 216 214 215 222 223 223 Total
NPL 5 4 4 8 6 5 45 4 2 2 4 5 5 4 3 10 10 NPL
13. Jasa Pendidikan 13. Education services
Baki Debet 1.888 2.221 2.301 2.852 2.786 2.796 2.812 2.862 2.960 2.944 2.960 2.842 2.807 2.871 2.895 2.877 2.877 Total
NPL 22 39 47 53 91 82 82 83 76 83 83 79 90 91 74 79 79 NPL
14. Jasa Kesehatan dan Kegiatan Sosial 14. Health services and social activities
Baki Debet 3.518 4.237 4.803 5.595 5.542 5.550 5.660 5.743 6.033 6.127 5.989 5.921 5.970 5.982 6.045 6.037 6.037 Total
NPL 99 72 122 84 119 97 129 130 124 131 132 123 121 123 112 169 169 NPL
15. Jasa Kemasyarakatan, Sosial 15. Community, Sociocultural,
Budaya, Hiburan dan Perorangan Entertainment and Other Individual
Lainnya
Baki Debet 26.378 31.499 38.015 36.835 33.089 33.574 33.231 34.226 34.774 34.066 34.027 33.804 33.791 34.426 35.782 35.214 35.214 Services
Total
NPL 891 876 1.052 1.407 1.458 1.377 1.445 1.495 1.514 1.586 1.477 1.317 1.301 1.251 1.164 1.470 1.470 NPL
16. Jasa Perorangan yang Melayani 16. Individual services which serve
Rumah Tangga households
Baki Debet 672 1.499 2.090 2.388 2.306 2.263 2.225 2.244 2.269 2.242 2.225 2.193 2.210 2.233 2.247 2.232 2.232 Total
NPL 40 33 52 52 68 70 69 68 65 66 68 61 63 56 55 63 63 NPL
17. Badan Internasional dan Badan 17. International Agency and Other Extra
Ekstra Internasional Lainnya Agency International
Baki Debet 414 225 140 24 28 28 22 115 117 13 13 8 168 172 165 104 104 Total
NPL 8 6 6 2 2 2 1 1 1 1 1 1 34 34 31 25 25 NPL
18. Kegiatan yang Belum Jelas 18. Business activities are not clearly
Batasannya defined
Baki Debet 29.425 509 1.330 303 232 263 143 185 383 357 161 161 243 319 288 276 276 Total
NPL 731 1 5 7 5 5 4 5 14 16 16 15 14 13 13 13 13 NPL
19. Penerima Kredit Bukan Lapangan 19. Debtor is not the business field -
Baki Debet - - - - - - - - - - - - - - - - - Total
NPL - - - - - - - - - - - - - - - - - NPL
20. Tidak Teridentifikasi 20. Un-identified
Baki Debet - 3 0 1 3 4 6 2 4 0 389 1 - 11 14 - - Total
NPL - - - (0) (0) 0 - 0 - 0 14 - - (0) - - - NPL
Jumlah Total
Baki Debet 526.397 608.823 671.721 739.801 728.972 738.000 745.280 756.332 774.581 765.079 773.298 781.906 796.343 804.076 802.113 780.179 780.179 Baki Debet
NPL 17.011 19.515 25.159 29.792 33.577 32.765 34.219 35.044 33.500 35.046 35.320 34.134 35.214 33.696 31.734 34.274 34.274 NPL
180
Tabel 3.25.a. Kredit dan Non Performing Loan UMKM dan MKM Sektor Ekonomi
(SMEs Credit & Micro, Small, and NPL Based on Economic Sector)
2016 2017
**)
MKM 1) MKM 1)
1. Pertanian 1. Agriculture
Baki Debet 40.423 Total
NPL 2.005 NPL
2. Pertambangan 2. Mining
NPL 262 NPL
3. Perindustrian 3. Manufacturing
NPL 2.900 NPL
4. Listrik 4. Electricity
Baki Debet Total
NPL 131 NPL
NPL 1.637 NPL
6. Perdagangan 6. Trading
NPL 10.625 NPL
7. Pengangkutan 7. Transportation
NPL 351 NPL
8. Jasa Dunia Usaha 8. Business Services
NPL 1.754 NPL
9. Jasa Sosial 9. Social Services
NPL 1.942 NPL
10. Lain-lain 10. Others
NPL 10.107 NPL
Jumlah Total
Baki Debet 1.350.606 Baki Debet
NPL 31.714 NPL
1) Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon,sedangkan data UMKM sudah sesuai 1) Since April 2013 data presented only Micro, Small dan Medium (MSM) Enterprise data considering data MSM still based on credit limit, while data
dengan kriteria usaha pada UU No. 20 tentang UMKM MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
r) Angka-angka diperbaiki r) revised figures
**) Masih menggunakan data Januari 2017 karena data Februari 2017 belum tersedia **) Still using January 2017 data since February 2017 data are not yet available
181
Tabel 3.26.a. Kredit dan Non Performing Loan UMKM dan MKM Menurut Jenis Penggunaan
(SMEs Credit and NPL Credit Based on Type of Use)
2016 2017
**)
UMKM UMKM
1. Modal Kerja 1. Working Capital
Baki Debet 403.047 444.030 490.262 537.186 526.507 533.995 539.000 547.555 563.575 555.012 563.692 571.867 577.830 584.633 587.340 567.339 567.339 Total
NPL 13.645 14.652 18.761 22.351 25.153 24.454 25.556 26.271 25.004 26.059 26.419 25.456 26.402 25.097 23.525 24.990 24.990 NPL
2. Investasi 2. Investment
Baki Debet 123.350 164.792 181.459 202.615 202.464 204.002 206.277 208.777 211.002 210.049 209.605 210.038 218.513 219.443 214.773 212.841 212.841 Total
NPL 3.366 4.863 6.398 7.441 8.424 8.311 8.663 8.772 8.496 8.987 8.901 8.679 8.812 8.599 8.209 9.284 9.284 NPL
3. Konsumsi 3. Consumption
Baki Debet - - - - - - - - - - - - - - - - - Total
NPL - - - - - - - - - - - - - - - - - NPL
3. Tidak Teridentifikasi 4. Un-identified
Baki Debet 0 1 - 0 0 3 3 (0) 3 17 (0) 1 (0) 0 (0) - - Total
NPL - - - - - - - - - - - - - - - - - NPL
Jumlah Total
NPL 17.011 19.515 25.159 29.792 33.577 32.765 34.219 35.044 33.500 35.046 35.320 34.134 35.214 33.696 31.734 34.274 34.274 NPL
1) 1)
MKM MKM
1. Modal Kerja 1. Working Capital
NPL 17.473 NPL
2. Investasi 2. Investment
NPL 4.134 NPL
3. Konsumsi 3. Consumption
NPL 10.106 NPL
Jumlah Total
NPL 31.714 NPL
1) Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon, sedangkan data UMKM sudah 1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit, while data
sesuai dengan kriteria usaha pada UU No. 20 tentang UMKM MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
182
Tabel 3.27.a. Kredit dan Non Performing Loan Rincian Kredit UMKM dan MKM Menurut Kelompok Bank
(Detail of SMEs Credit and Detail of MKM Credit Based on Group of Bank)
2016 2017
Kelompok Bank 2012 2013 2014 2015 Category of Bank
Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan Feb **)
UMKM1) UMKM1)
1. Bank Persero 1. State Owned Banks
Baki Debet 242.861 304.751 341.804 383.166 382.618 395.863 399.415 409.149 423.352 417.635 424.734 432.150 444.548 449.627 446.774 438.495 438.495 Total
Mikro 66.555 87.657 106.269 131.573 138.076 143.449 146.914 150.281 151.298 149.603 150.960 151.859 153.739 155.416 156.962 154.793 154.793 Micro
Kecil 98.136 122.730 136.580 146.373 145.248 149.743 153.517 156.976 164.469 162.928 165.773 169.152 170.293 172.867 175.938 172.949 172.949 Small
Menengah 78.169 94.363 98.956 105.221 99.294 102.670 98.984 101.892 107.585 105.103 108.001 111.139 120.516 121.344 113.874 110.753 110.753 Medium
NPL 9.093 10.362 12.138 13.437 16.240 15.958 16.988 17.510 16.371 17.207 17.592 17.163 17.092 15.872 14.668 15.970 15.970 NPL
Mikro 1.214 1.481 1.829 2.223 3.187 3.111 3.564 3.660 3.225 3.257 3.053 2.951 2.880 2.316 2.354 2.712 2.712 Micro
Kecil 4.694 4.922 5.552 5.733 6.794 6.714 6.935 7.089 6.859 7.205 7.248 7.113 7.009 6.653 6.094 6.482 6.482 Small
Menengah 3.185 3.960 4.757 5.481 6.259 6.132 6.489 6.762 6.288 6.744 7.291 7.100 7.202 6.904 6.220 6.777 6.777 Medium
2. BPD 2. Regional Development Banks
Baki Debet 45.082 46.896 50.837 51.858 48.007 48.811 49.789 50.532 53.484 54.365 55.268 56.730 61.472 61.688 60.466 55.362 55.362 Total
Mikro 9.038 9.156 8.733 9.187 8.888 8.925 9.037 8.997 8.309 8.348 8.626 9.071 9.293 9.436 9.191 8.737 8.737 Micro
Kecil 21.091 21.232 23.456 23.843 22.824 23.115 23.405 23.650 25.121 25.130 25.457 25.777 25.662 25.949 25.314 23.671 23.671 Small
Menengah 14.953 16.509 18.647 18.829 16.295 16.771 17.346 17.885 20.054 20.887 21.185 21.881 26.516 26.302 25.962 22.953 22.953 Medium
NPL 2.612 2.965 5.015 5.851 5.745 5.656 5.832 5.879 5.872 6.023 5.851 5.534 6.814 6.676 6.421 7.272 7.272 NPL
Mikro 443 685 1.013 780 833 784 786 775 449 452 468 428 434 421 361 383 383 Micro
Kecil 1.327 1.338 1.647 1.949 2.092 2.071 2.130 2.132 2.289 2.357 2.297 2.145 2.143 2.127 1.854 1.932 1.932 Small
Menengah 842 943 2.354 3.123 2.820 2.801 2.916 2.972 3.134 3.213 3.086 2.961 4.237 4.128 4.206 4.956 4.956 Medium
3. Bank Swasta Nasional 3. Foreign Exchange Commercial
Banks
Baki Debet 228.991 245.101 261.365 289.578 282.411 277.460 280.402 280.944 282.844 278.558 278.945 278.726 275.794 278.223 280.379 279.429 279.429 Total
Mikro 21.476 21.998 25.077 24.032 22.337 21.440 21.775 21.042 20.372 20.048 18.899 17.518 17.243 16.906 16.661 15.854 15.854 Micro
Kecil 44.581 41.954 41.458 44.953 43.887 46.889 43.202 41.949 42.138 41.379 40.904 40.393 40.125 39.897 39.505 39.428 39.428 Small
Menengah 162.934 181.148 194.831 220.593 216.186 209.131 215.426 217.953 220.334 217.132 219.142 220.815 218.426 221.420 224.213 224.147 224.147 Medium
NPL 5.096 5.933 7.666 9.690 10.696 10.163 10.418 10.544 10.217 10.797 10.788 10.383 10.244 10.048 9.772 10.633 10.633 NPL
Mikro 758 750 775 748 814 838 925 861 856 864 825 806 791 750 731 767 767 Micro
Kecil 1.720 2.077 2.248 2.519 2.689 2.727 2.673 2.669 2.551 2.653 2.554 2.330 2.281 2.182 2.012 2.070 2.070 Small
Menengah 2.618 3.105 4.643 6.423 7.194 6.598 6.820 7.014 6.810 7.280 7.409 7.247 7.171 7.115 7.028 7.796 7.796 Medium
4. Bank Asing dan 4. Joint Venture Banks and Foreign
Campuran Owned Banks
Baki Debet 9.463 12.076 17.714 15.199 15.936 15.867 15.674 15.708 14.901 14.520 14.351 14.301 14.529 14.538 14.494 6.893 6.893 Total
Mikro 107 78 192 77 83 83 72 70 68 65 65 65 64 70 62 69 69 Micro
Kecil 465 466 482 756 1.500 1.559 1.507 1.459 1.103 1.074 1.062 976 937 1.075 716 702 702 Small
Menengah 8.891 11.532 17.040 14.366 14.353 14.225 14.095 14.179 13.731 13.381 13.224 13.260 13.528 13.393 13.715 6.122 6.122 Medium
NPL 208 256 341 815 897 989 980 1.110 1.039 1.019 1.088 1.055 1.065 1.100 873 398 398 NPL
Mikro 7 7 7 9 7 7 7 6 6 7 6 6 6 6 4 3 3 Micro
Kecil 40 10 13 26 90 74 75 173 179 168 205 146 147 157 34 138 138 Small
Menengah 161 238 321 780 800 908 899 930 854 844 876 902 911 936 835 258 258 Medium
Jumlah Total
NPL 17.011 19.515 25.159 29.792 33.577 32.765 34.219 35.044 33.500 35.046 35.320 34.134 35.214 33.696 31.734 34.274 34.274 NPL
183
Tabel 3.27.a. Kredit dan Non Performing Loan Rincian Kredit UMKM dan MKM Menurut Kelompok Bank
(Detail of SMEs Credit and Detail of MKM Credit Based on Group of Bank)
2016 2017
Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des Jan Feb **)
1) 1)
MKM MKM
1. Bank Persero 1. State Owned Banks
Mikro 143.877 Micro
Kecil 234.031 Small
Menengah 124.540 Medium
NPL 15.271 NPL
Mikro 9.520 Micro
Kecil 2.611 Small
2. BPD 2. Regional Development Banks
Mikro 32.580 Micro
Kecil 142.679 Small
NPL 3.297 NPL
Mikro 555 Micro
Kecil 1.489 Small
3. Bank Swasta Nasional 3. Foreign Exchange Commercial
Banks
Mikro 97.552 Micro
Kecil 228.341 Small
NPL 11.502 NPL
Mikro 2.918 Micro
Kecil 4.084 Small
4. Bank Asing dan 4. Joint Venture Banks and Foreign
Campuran Owned Banks
Mikro 29.972 Micro
Kecil 7.558 Small
NPL NPL
Mikro Micro
Kecil 481 Small
Menengah 313 Medium
Jumlah Total
NPL 31.714 NPL
1) Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon, sedangkan data UMKM 1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit,
sudah sesuai dengan kriteria usaha pada UU No. 20 tentang UMKM while data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
184
Tabel 3.28.a. Kredit UMKM dan MKM Menurut Lokasi Proyek Per Daerah Tingkat I
(SMEs Credit and MKM Credit Based on Project Location)
2016 2017
**)
UMKM UMKM
2. Banten 18.863 22.631 25.305 29.224 29.363 30.680 29.821 30.071 30.719 30.183 29.800 30.855 32.295 33.476 32.359 30.735 30.735 2. Banten
3. DKI Jakarta 93.051 95.185 104.891 118.432 113.329 113.167 113.036 114.819 116.038 114.696 116.610 115.516 117.800 118.398 117.595 120.792 120.792 3. DKI Jakarta
8. Jambi 7.809 8.772 9.383 10.576 10.501 10.640 10.752 10.871 10.936 10.842 10.548 10.681 10.579 10.637 10.755 10.403 10.403 8. Jambi
9. Aceh 6.395 7.026 7.729 8.287 8.125 8.326 8.448 8.670 8.920 8.820 8.983 8.290 8.339 8.369 8.435 7.930 7.930 9. Aceh
10 Sumatera Utara 31.470 36.947 41.483 46.080 45.979 45.554 46.140 46.352 47.135 46.335 46.299 46.868 46.929 47.117 47.206 46.348 46.348 10. Sumatera Utara
.
11 Sumatera Barat 10.663 11.804 13.238 13.644 13.517 13.842 13.910 14.071 14.231 13.953 14.126 14.129 14.020 14.034 14.084 13.076 13.076 11. Sumatera Barat
.
12 Riau 16.096 17.968 21.292 20.795 20.262 20.664 20.770 20.633 21.381 20.815 21.109 20.981 21.085 21.537 21.769 21.251 21.251 12. Riau
.
13 Kepulauan Riau 5.514 7.402 6.947 7.380 7.207 7.298 7.348 7.554 7.753 7.648 7.681 7.820 7.731 7.830 7.815 7.284 7.284 13. Kepulauan Riau
.
14 Sumatera Selatan 14.807 17.506 18.987 20.194 19.979 20.357 20.435 20.727 20.990 20.753 20.644 21.082 21.075 21.043 21.073 20.175 20.175 14. Sumatera Selatan
.
15 Bangka Belitung 2.604 2.990 3.214 3.307 3.161 3.513 3.514 3.578 3.595 3.577 4.015 4.103 4.120 4.207 4.302 3.894 3.894 15. Bangka Belitung
.
16 Lampung 10.276 11.664 12.086 13.467 13.765 13.865 14.167 14.440 14.908 14.727 14.454 14.410 14.504 14.601 14.817 14.209 14.209 16. Lampung
.
17 Kalimantan Selatan 8.086 8.914 9.794 10.249 10.276 10.524 10.615 10.700 10.941 10.704 10.704 10.854 10.933 10.908 11.005 10.701 10.701 17. Kalimantan Selatan
.
18 Kalimantan Barat 8.350 10.673 12.715 13.974 13.486 13.646 13.695 14.022 14.230 14.004 14.246 14.508 14.834 14.956 15.071 14.285 14.285 18. Kalimantan Barat
.
19 Kalimantan Timur 17.295 20.018 19.982 21.296 20.449 20.310 20.545 20.922 21.448 21.531 21.002 21.230 21.287 21.473 21.700 21.503 21.503 19. Kalimantan Timur
.
20 Kalimantan Tengah 4.433 4.837 5.604 6.643 6.533 6.731 6.799 6.987 7.291 7.241 7.264 7.535 7.876 7.950 7.964 7.820 7.820 20. Kalimantan Tengah
.
21 Sulawesi Tengah 5.559 6.595 7.155 7.749 7.425 7.632 7.654 7.897 8.164 7.908 8.132 8.156 7.840 7.996 8.066 7.488 7.488 21. Sulawesi Tengah
.
22 Sulawesi Selatan 19.460 23.596 25.765 27.627 27.872 28.077 28.498 28.759 29.227 28.901 29.853 30.180 30.038 30.579 30.613 29.531 29.531 22. Sulawesi Selatan
.
23 Sulawesi Utara 5.861 6.431 7.150 7.658 7.378 7.572 7.609 7.603 7.842 7.705 7.726 8.067 8.273 8.321 8.370 7.813 7.813 23. Sulawesi Utara
.
24 Sulawesi Tenggara 3.715 4.516 4.914 5.248 5.384 5.490 5.696 5.815 5.946 5.864 5.849 5.894 5.882 5.853 5.833 5.314 5.314 24. Sulawesi Tenggara
.
25 Sulawesi Barat 1.567 1.875 2.212 2.690 2.761 2.858 2.894 2.890 2.990 2.919 2.953 2.991 3.029 3.059 3.066 2.325 2.325 25. Sulawesi Barat
.
26 Gorontalo 1.820 2.011 2.316 2.698 2.694 2.784 2.813 2.864 2.929 2.914 2.886 2.903 2.915 2.941 2.947 2.832 2.832 26. Gorontalo
.
27 Nusa Tenggara Barat 5.175 6.318 6.703 7.278 7.369 7.519 7.724 7.857 8.096 8.000 8.088 8.213 8.329 8.533 8.851 8.581 8.581 27. Nusa Tenggara Barat
.
28 Bali 16.356 19.951 23.483 27.019 27.066 27.528 27.745 28.308 29.419 29.273 29.758 30.310 30.307 30.589 31.438 30.801 30.801 28. Bali
.
29 Nusa Tenggara Timur 3.297 4.127 5.234 6.201 6.067 6.301 6.460 6.629 6.826 6.854 6.986 7.201 7.247 7.310 7.249 6.715 6.715 29. Nusa Tenggara Timur
.
30 Maluku 1.808 2.000 17.787 2.446 2.445 2.482 2.527 2.580 2.670 2.603 2.678 2.743 2.692 2.709 2.748 2.521 2.521 30. Maluku
.
31 Papua 5.477 7.471 8.608 9.342 8.201 8.432 8.341 8.512 8.843 8.679 8.544 8.753 10.504 10.505 10.405 9.766 9.766 31. Papua
.
32 Maluku Utara 1.327 1.474 1.391 1.632 1.566 1.620 1.643 1.681 1.723 1.707 1.689 1.742 1.757 1.778 1.774 1.493 1.493 32. Maluku Utara
.
33 Papua Barat 2.523 3.376 3.836 4.005 3.434 3.578 3.579 3.616 3.749 3.677 3.653 3.764 4.531 4.462 4.441 3.495 3.495 33. Papua Barat
.
34 Lainnya 369 335 87 33 31 37 52 51 52 53 53 52 53 138 136 4 4 34. Others
.
35 Tidak Teridentifikasi 1.032 1.099 1.205 2.141 2.224 2.221 2.217 2.215 2.269 2.253 2.206 2.179 2.129 2.103 2.068 2.000 2.000 35. Un-identified
.
Jumlah 526.397 608.823 671.721 739.801 728.972 738.000 745.280 756.332 774.581 765.079 773.298 781.906 796.343 804.076 802.113 780.179 780.179 Total
185
Tabel 3.28.a. Kredit UMKM dan MKM Menurut Lokasi Proyek Per Daerah Tingkat I
(SMEs Credit and MKM Credit Based on Project Location)
2016 2017
**)
MKM 1) MKM
1)
1. Jawa Barat 207.552 1. Jawa Barat

2. Banten 70.082 2. Banten
3. DKI Jakarta 237.266 3. DKI Jakarta
4. D.I Yogyakarta 15.857 4. D.I Yogyakarta
5. Jawa Tengah 114.094 5. Jawa Tengah
6. Jawa Timur 150.323 6. Jawa Timur
7. Bengkulu 10.503 7. Bengkulu
8. Jambi 18.485 8. Jambi
9. Aceh 20.217 9. Aceh
10 Sumatera Utara 70.333 10. Sumatera Utara
.
11 Sumatera Barat 27.088 11. Sumatera Barat
.
12 Riau 37.337 12. Riau
.
13 Kepulauan Riau 15.193 13. Kepulauan Riau
.
14 Sumatera Selatan 35.261 14. Sumatera Selatan
.
15 Bangka Belitung 5.434 15. Bangka Belitung
.
16 Lampung 23.862 16. Lampung
.
17 Kalimantan Selatan 20.819 17. Kalimantan Selatan
.
18 Kalimantan Barat 19.963 18. Kalimantan Barat
.
19 Kalimantan Timur 33.123 19. Kalimantan Timur
.
20 Kalimantan Tengah 11.769 20. Kalimantan Tengah
.
21 Sulawesi Tengah 14.043 21. Sulawesi Tengah
.
22 Sulawesi Selatan 50.569 22. Sulawesi Selatan
.
23 Sulawesi Utara 18.500 23. Sulawesi Utara
.
24 Sulawesi Tenggara 10.806 24. Sulawesi Tenggara
.
25 Sulawesi Barat 4.002 25. Sulawesi Barat
.
26 Gorontalo 5.977 26. Gorontalo
.
27 Nusa Tenggara Barat 15.609 27. Nusa Tenggara Barat
.
28 Bali 33.573 28. Bali
.
29 Nusa Tenggara Timur 12.388 29. Nusa Tenggara Timur
.
30 Maluku 5.478 30. Maluku
.
31 Papua 12.161 31. Papua
.
32 Maluku Utara 3.900 32. Maluku Utara
.
33 Papua Barat 4.752 33. Papua Barat
.
34 Lainnya 14.288 34. Others
.
Jumlah 1.350.606 Total
1) Sejak bulan April 2013 data yang disajikan hanya data UMKM mengingat data MKM masih berdasarkan plafon, sedangkan data UMKM 1) Since April 2013 data presented only data Micro, Small dan Medium (MSM) Enterprise remembering data MSM still based on credit limit, while
sudah sesuai dengan kriteria usaha pada UU No. 20 tentang UMKM data MSM Enterprise already in accordance with the criteria business of MSM Enterprise in the Act No. 20
186

SPI Februari 2017

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HALAMAN KETERANGAN

Jadwal Publikasi Kedepan Advance Release Calender (ARC)

r Angka-angka diperbaiki r Revised figures

Jadwal Publikasi Kedepan Advance Release Calender (ARC)

r Angka-angka diperbaiki r Revised figures

KATA PENGANTAR i INTRODUCTION i

HALAMAN KETERANGAN ii PAGE OF REFFERENCE ii

DAFTAR ISI iii TABLE OF CONTENT iii

DAFTAR SINGKATAN iv LIST OF ABBREVIATIONS iv

DAFTAR TABEL v LIST OF TABLES v

DAFTAR TABEL TAMBAHAN DAN ix LIST OF ADDITIONAL TABLE AND ix

DATA BANK UMUM BERDASARKAN BUKU 4 COMMERCIAL BANK GROUP OF BUSINESS 4

DATA BANK PERKREDITAN RAKYAT 122 RURAL BANK DATA 122

DATA PERKREDITAN 139 CREDIT DATA 139

APYD : Aktiva Produktif Yang Diklasifikasikan APYD : Classified Earning assets

NO. NO. TABEL JUDUL HAL TABLES TOPIC PAGES

9. 1.43 - 1.50 Komposisi DPK Bank Umum 1.43 - 1.50

DATA BANK UMUM COMMERCIAL BANK

No. Nomor Tabel Nama Tabel Keterangan

1 Tabel 1 Kegiatan Usaha Perbankan Perubahan Nama Tabel

1. Nama Data : Kelompok Bank Umum berdasarkan Kegiatan Usaha

KETEPATAN WAKTU PUBLIKASI

Tabel 1 Kegiatan Usaha Perbankan

Penyaluran Dana Distribution of Funds

Sumber Dana Source of Funds

Jumlah Aset Total Assets

Jumlah Bank Total Banks

Jumlah Kantor Total Bank Offices

Tabel 1.1. Kegiatan Usaha Bank Umum

Tabel 1.2. Kegiatan Usaha Bank Umum Konvensional - BUKU 1

Tabel 1.3. Kegiatan Usaha Bank Umum Konvensional - BUKU 2

Tabel 1.4. Kegiatan Usaha Bank Umum Konvensional - BUKU 3

Tabel 1.5. Kegiatan Usaha Bank Umum Konvensional - BUKU 4

Tabel 1.6. Kegiatan Usaha Bank Umum Syariah - BUKU 1

Tabel 1.7. Kegiatan Usaha Bank Umum Syariah - BUKU 2

Tabel 1.8. Kegiatan Usaha Bank Umum Syariah - BUKU 3

Tabel 1.9. Laporan Laba / Rugi Bank Umum

Tabel 1.10. Laporan Laba / Rugi Bank Umum Konvensional - BUKU 1

Tabel 1.11. Laporan Laba / Rugi Bank Umum Konvensional - BUKU 2

Tabel 1.12. Laporan Laba / Rugi Bank Umum Konvensional - BUKU 3

Tabel 1.13. Laporan Laba / Rugi Bank Umum Konvensional - BUKU 4

Tabel 1.14. Laporan Laba / Rugi Bank Umum Syariah - BUKU 1

Tabel 1.15. Laporan Laba / Rugi Bank Umum Syariah - BUKU 2

Tabel 1.16. Laporan Laba / Rugi Bank Umum Syariah - BUKU 3

Tabel 1.17. Rekening Administratif Bank Umum

Tabel 1.18. Rekening Administratif Bank Umum Konvensional - BUKU 1

Ket: r) Angka-angka diperbaiki Note: r) Revised figures

Tabel 1.19. Rekening Administratif Bank Umum Konvensional - BUKU 2

Ket: r) Angka-angka diperbaiki Note: r) Revised figures

Tabel 1.20. Rekening Administratif Bank Umum Konvensional - BUKU 3

Tabel 1.21. Rekening Administratif Bank Umum Konvensional - BUKU 4

Ket: r) Angka-angka diperbaiki Note: r) Revised figures

Tabel 1.22. Rekening Administratif Bank Umum Syariah - BUKU 1

Tabel 1.23. Rekening Administratif Bank Umum Syariah - BUKU 2

Tabel 1.24. Rekening Administratif Bank Umum Syariah - BUKU 3

Tabel 1.25. Kinerja Bank Umum Konvensional

Total Kredit kepada pihak ketiga

Tabel 1.26. Kinerja Bank Umum Konvensional - BUKU 1

Tabel 1.27. Kinerja Bank Umum Konvensional - BUKU 2

Tabel 1.28. Kinerja Bank Umum Konvensional - BUKU 3

Tabel 1.29. Kinerja Bank Umum Konvensional - BUKU 4

Tabel 1.30. Kinerja Bank Umum Syariah - BUKU 1

Kualitas Aktiva Produktif Earning Assset Quality

Tabel 1.31. Kinerja Bank Umum Syariah - BUKU 2