Sski Oktober 2023

Keterangan, Tanda-tanda dan Sumber Data Notes, Symbols and Sources of Data
r Angka diperbaiki (revisi) r Revised Figures

* Angka Sementara * Preliminary Figures
** Angka Sangat Sementara ** Very Preliminary Figures
*** Angka Sangat Sangat Sementara *** Very Very Preliminary Figures
- Angka tidak ada - Not Available
… Data belum tersedia … Figures are Not Available Yet
nap Data tidak dapat dihitung nap Not Applicable
- Tanda koma pada angka-angka harap dibaca sebagai titik, dan sebaliknya tanda titik - Commas in number please read as point, and vice versa, please read the point as a
harap dibaca sebagai koma comma.
- Suatu jumlah tidak selalu sama besarnya dengan penjumlahan angka-angka yang
bersangkutan karena pembulatan - An amount is not always equal to the sum of the respective figures due to rounding up.
- Sumber data: Bank Indonesia, kecuali dinyatakan lain - Data source: Bank Indonesia, unless mentioned otherwise.
Disusun dan diseminasikan oleh Compiled and disseminated by:

Departemen Statistik, Bank Indonesia Statistics Department, Bank Indonesia
Menara Sjafruddin Prawiranegara, Lantai 14 Sjafruddin Prawiranegara Tower, 14 Floor
Jl. MH Thamrin No. 2, Jakarta 10350 Jl. MH Thamrin No. 2, Jakarta 10350
Telepon +62-21-2981-8165/4182/5237 Phone +62-21-2981-8165/4182/5237
Faksimili +62-21-3864932 Fax +62-21-3864932
SINGKATAN/ ABBREVIATION
AFS Available for Sale

APBN Anggaran Pendapatan dan Belanja Negara/ State Budget
APYD Aktiva Produktif Yang Diklasifikasikan/ Classified Earnings Assets

ATM Anjungan Tunai Mandiri/ AutomatedTeller Machine
ATMR Aset Tertimbang Menurut Risiko/ Risk Weighted Assets
BBM Bahan Bakar Minyak/ Bio Fuels
BEI Bursa Efek Indonesia/ Indonesia Stock Exchange
BI Bank Indonesia
BIS Bank for International Settlements
BOPO
Biaya Operasional terhadap Pendapatan Operasional/ Operations Expenses to Operations Income
BPS Basis Points
BPS Badan Pusat Statistik/ Statistics Indonesia
BPR Bank Perkreditan Rakyat/ Rural Banks
BUMN Badan Usaha Milik Negara/ State Owned Enterprises
CAR Capital Adequacy Ratio
CDS Credit Default Swap
CKPN Cadangan Kerugian Penurunan Nilai/ Allowance for Impairment Losses

CPO Crude Palm Oil
CSR Currency Substitution Ratio
DER Debt to Equity Ratio
DN Dalam Negeri/ Domestic
DPK Dana Pihak Ketiga/ Third Party Funds
DSR Debt to Service Ratio
EBA Efek Beragun Aset/ Asset Backed Securities
EUR Euro
FASBI Fasilitas Simpanan Bank Indonesia/ Bank Indonesia Deposit Facility
FASBIS Fasilitas Simpanan Bank Indonesia Syariah/ Bank Indonesia Sharia Deposit Facility
FTK Fine Tuning Kontraksi/ Fine Tuning Contraction
IHPR Indeks Harga Properti Residensial/ Residential Property Price Index

IHSG Indeks Harga Saham Gabungan/ Composite Stock Price Index
IKK Indeks Keyakinan Konsumen/ Consumer Confidence Index
IKNB Institusi Keuangan Non Bank/ Non-Bank Financial Institution
IMF International Monetary Fund
IPO Initial Public Offering
ISSK Indeks Stabilitas Sistem Keuangan/ Financil System Stability Index

JISDOR Jakarta Interbank Spot Dollar Rate
KAP Kualitas Aktiva Produktif/ Earnings Assets Quality
KEMENKEUKementerian Keuangan/ Ministry of Finance
KPMM Kewajiban Penyediaan Modal Minimum/ Capital Adequacy Ratio
KPP Kredit Pemilikan Properti/ Real Estate Loans
KPR Kredit Kepemilikan Rumah/ Mortgage Loans
KPRS Kredit Pemilikan Rumah Susun/ Mortgage Loans for Flat/Small Apartment
KPwLN Kantor Perwakilan Luar Negri/ Representative Office Abroad
LIBOR London Interbank Offered Rate
LN Luar Negeri/ Foreign/ External
LPS Lembaga Penjamin Simpanan/ Indonesia Deposit Insurance Corporation

LTV Loan to Value
NAB Nilai Aktiva Bersih/ Net Asset Value
NIM Net Interest Margin
NOM Net Operating Margin
NPF Non Performing Financing
NPL Non Performing Loan
O/N Overnight
OJK Otoritas Jasa Keuangan/ Financial Services Authority
ON Obligasi Negara/ Government Bond
PDB Produk Domestik Bruto/ Gross Domestic Products
PK Pembiayaan Konsumen/ Consumer Financing
PP Perusahaan Pembiayaan/ Finacing Institutions
PUAB Pasar Uang Antar Bank/ Inter Bank Money Market
PUAS Pasar Uang Antar Bank Syariah/ Inter Sharia Bank Money Market
REPO Repurchase Agreement
ROA Return On Assets
ROE Return On Equity
RRH Rata-Rata Harian/ Daily Average
RRT Rata - Rata Tertimbang/ Weighted Average
RT Rumah Tangga/ Households
SBI Sertifikat Bank Indonesia/ Bank Indonesia Sertificates
SBSN Surat Berharga Syariah Nasional/ Sharia Government Securities

SDA Sumber Daya Alam/ Natural Resource
SGD Singapore Dollar
SGU Sewa Guna Usaha/ Lease
SIBOR Singapore Interbank Offered Rate
SLA Service Level Agreement
SPN Surat Perbendaharaan Negara/ Treasury Note
SPN-S Surat Perbendaharaan Negara Syariah/ Sharia Treasury Note
SUN Surat Utang Negara/ Government Securities
UE Uang Elektronik/ Money Electronics
ULN Utang Luar Negri/ External Debt
UMKM Usaha Mikro Kecil dan Menengah/ Micro, Small, Medium Enterprises (MSMEs)
UP Unit Penyertaan/ Mutual Fund Units
UUS Unit Usaha Syariah/ Sharia Business Unit Operations
Valas Valuta Asing/ Foreign Exchange
WTI West Texas Intermediate
YOY Year on year
KATA PENGANTAR/ FOREWORD
Dalam rangka mendukung tugas-tugas terkait kebijakan Makroprudensial/ Stabilitas In order to support related tasks Macroprudential policy/ Financial System Stability, Bank
Sistem Keuangan (SSK), Bank Indonesia (BI) menyusun dan menerbitkan Statistik Sistem Indonesia (BI) compiles and publishes the Indonesia Financial System Statistics (IFSS). BI
Keuangan Indonesia (SSKI). BI mempublikasikan SSKI secara bulanan sejak edisi Maret publishes IFSS on a monthly basis starting in March 2016 edition where the previous edition
2016 dimana pada publikasi sebelumnya diterbitkan secara triwulanan. SSKI merupakan was published on a quarterly basis. IFSS is a collection of indicators that describe the
kumpulan indikator yang menggambarkan perkembangan berbagai elemen ekonomi development of various economic elements related to the financial system that became the focus
terkait sistem keuangan yang menjadi fokus kebijakan Makroprudensial/ SSK (Stabilitas of Macroprudential policy/ Financial System Stability in Indonesia. IFSS include a collection of
Sistem Keuangan) di Indonesia. SSKI mencakup kumpulan indikator terkait lembaga indicators related to financial institutions, financial markets (money and capital markets),
keuangan (terutama bank), pasar keuangan (pasar uang dan modal),termasuk elemen including related economic institutions (government, non-financial corporations and
ekonomi terkait (pemerintah, korporasi dan rumah tangga). Selain itu, SSKI juga households). In addition, IFSS also presents several indicators related to the development of
menyajikan beberapa indikator yang berkaitan dengan perkembangan Keuangan Inklusif Financial Inclusion (FI), Micro, Small, Medium Enterprises (MSMEs) and property sector
(KI), UMKM serta sektor properti yang merupakan bagian yang tak terpisahkan dalam which is an integral part in supporting Macroprudential policy/ Financial System Stability in
mendukung kebijakan Makroprudensial/ SSK di Indonesia. Indonesia.
Penyusunan SSKI bekerjasama

dengan otoritas/ lembaga lain yang menyediakan sumber data seperti Kementerian IFSS is compiled in cooperation with authorities/ institutions that provide data sources such as
Keuangan, Otoritas Jasa Keuangan dan PT. Bursa Efek Indonesia. Selanjutnya, untuk Ministry of Finance, the Financial Services Authority and the Indonesia Stock Exchange.
menjaga standar kualitas dan bisa diperbandingkan dengan statistik yang sama di negara Furthermore, to maintain quality standards and comparability with similar statistics in other
lain, beberapa tabel atau indikator di SSKI mengacu kepada metodologi/ standar statistik countries, some tables or indicators in IFSS refers to the methodology/ statistical standard that
yang banyak digunakan oleh beberapa negara lain maupun lembaga internasional. Untuk is widely used by other countries and international institutions. For some tables or other
beberapa tabel atau indikator lainnya menggunakan standar yang sudah umum digunakan indicators using standards that are commonly used and accoring to the user needs in Indonesia.
dan sesuai kebutuhan di Indonesia.
With the publication of IFSS is expected to provide more benefits for stakeholders as well as
Dengan diterbitkannya SSKI ini diharapkan dapat memberikan manfaat lebih bagi being one of important reference for all those who need statistics relating to Macroprudential
stakeholders serta menjadi salah satu referensi bagi semua pihak yang membutuhkan policy/ Financial System Stability. Suggestions, constructive criticisms and comments from all
statistik yang berkaitan dengan kebijakan makroprudensial/ SSK. Saran, kritik dan parties is ecpected to further improve the coverage and quality of this IFSS onward.
komentar yang konstruktif dari semua pihak sangat diharapkan guna lebih
menyempurnakan cakupan dan kualitas SSKI ini ke depan.
DEPARTEMEN STATISTIK STATISTICS DEPARTMENT

DAFTAR ISI/ TABLE OF CONTENT
KETERANGAN EXPLANATION
DAFTAR SINGKATAN LIST OF ABBREVIATION
KATA PENGANTAR FOREWORD
DAFTAR ISI TABLE OF CONTENT
TABEL: TABLE:
A. INDIKATOR UTAMA SISTEM KEUANGAN A. MAIN INDICATORS OF FINANCIAL SYSTEM
Tabel 1. Indikator Utama (Ringkasan) Table 1. Main Indicators (Summary)
B. INDIKATOR MAKROEKONOMI B. MACROECONOMIC INDICATORS
Tabel 2. Indikator Makroekonomi Table 2. Macroeconomic Indicators
C. INDIKATOR INSTITUSI KEUANGAN C. INDICATORS OF FINANCIAL INSTITUTION
C.1 INDIKATOR SEKTOR PERBANKAN C.1 INDICATORS OF BANKING SECTORS
Tabel 3. Indikator Sektor Perbankan Table 3. Indicators of Banking Sector
Tabel 4. Financial Soundness Indicators (FSI) Table 4. Financial Soundness Indicators (FSI)
Tabel 5a. Total Locational Banking Statistics (LBS) Indonesia Table 5a. Total Locational Banking Statistics (LBS) Indonesia
Tabel 5b. Total Locational Banking Statistics (LBS) Indonesia Berdasarkan Jenis Instrumen Table 5b. Total Locational Banking Statistics (LBS) Indonesia By Type Of Instruments
Tabel 5c. Locational Banking Statistics (LBS) Indonesia Terhadap Nonresiden (Cross-Border) Berdasarkan Jenis Table 5c. Locational Banking Statistics (LBS) Indonesia Vis a Vis Nonresident (Cross-Border) By Type Of
Instrumen Instruments
Tabel 5d. Locational Banking Statistics (LBS) Indonesia Terhadap Nonresiden (Cross-Border) Berdasarkan Sektor Tabel 5d. Locational Banking Statistics (LBS) Indonesia Vis a Vis Nonresident (Cross-Border) By
Lawan Counterparty Sector
Tabel 5d.1. Locational Banking Statistics (LBS) Indonesia Terhadap Nonresiden (Cross-Border) Pada Sektor Bank Table 5d.1. Locational Banking Statistics (LBS) Indonesia Vis a Vis Nonresident (Cross-Border) In Banking
Berdasarkan Sub-Sektor Lawan Sector By Counterparty Sub-Sector
Tabel 5d.2. Locational Banking Statistics (LBS) Indonesia Terhadap Nonresiden (Cross-Border) Pada Sektor Table 5d.2. Locational Banking Statistics (LBS) Indonesia Vis a Vis Nonresident (Cross-Border) In the
Nonbank Berdasarkan Sub-sektor Lawan Nonbank Sector By Counterparty Sub-Sector
C.2 INDIKATOR INSTITUSI KEUANGAN NON BANK (IKNB) C.2 INDICATORS OF NON BANK FINANCIAL INSTITUTION
Tabel 6. Indikator Asuransi Table 6. Indicators of Insurance
Tabel 7. Indikator Perusahaan Pembiayaan Table 7. Indicators of Finance Company
Tabel 8. Indikator Dana Pensiun Table 8. Indicators of Pension Funds
Tabel 9. Indikator Perusahaan Modal Ventura Table 9. Indicators of Venture Capital
Tabel 10. Indikator Lembaga Penjaminan Table 10. Indicators of Guarantee Institution
Tabel 11. Indikator Perusahaan Pembiayaan Infrastruktur Table 11. Indicators of Infrastructure Finance Company
Tabel 11a. Indikator Perusahaan Pembiayaan Infrastruktur Table 11a. Indicators of Infrastructure Finance Company
Tabel 12. Indikator Tekfin Peer-to-Peer Lending Tabel 12. Peer-to-Peer Lending Fintech Indicators
D. INDIKATOR PASAR KEUANGAN D. INDICATORS OF FINANCIAL MARKET
D.1. INDIKATOR PASAR UANG D.1. INDICATORS OF MONEY MARKET
Tabel 13. Indikator Pasar Uang dan Pasar Valas Table 13. Indicators of Money Market and Forex Market
D.2. INDIKATOR PASAR MODAL D.2. INDICATORS OF CAPITAL MARKET
Tabel 14. Indikator Pasar Modal Table 14. Indicators of Capital Market
E. INDIKATOR PEMERINTAH PUSAT DAN SEKTOR RIIL E. INDICATORS OF CENTRAL GOVERNMENT AND REAL SECTOR
Tabel 15. Indikator Utang Sektor Pemerintah Pusat Table 15. Indicators of Central Government Debt
Tabel 16. Indikator Sektor Korporasi Table 16. Indicators of Corporate Sector
Tabel 16a. Indikator Sektor Korporasi Table 16a. Indicators of Corporate Sector
Tabel 17. Indikator Penunjang Sektor Rumah Tangga Table 17 Indicators of Household Support Sector
Tabel 18. Indikator Sektor Properti Table 18. Indicators of Property Sector
F. INDIKATOR KEUANGAN INKLUSIF DAN UMKM G. INDICATORS OF FINANCIAL INCLUSION AND MICRO, SMALL AND MEDIUM ENTERPRISE
Tabel 19. Indikator Keuangan Inklusif Table 19. Indicators of Financial Inclusion
Tabel 20. Indikator UMKM Table 20. Indicators of Micro, Small and Medium Enterprises (MSMEs)
DAFTAR ISTILAH GLOSSARY
TABEL 1. INDIKATOR UTAMA (RINGKASAN)
TABLE 1. SUMMARY
2022 2023
KOMPONEN SATUAN/ UNIT 2018 2019 2020 2021 2022 COMPONENTS
Aug Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep
1 Makroekonomi Macroeconomic 1
2 Pertumbuhan Ekonomi (PDB) %, yoy 5.17 5.02 -2.07 3.70* 5.31* - 5.73* - - 5.01* - - 5.04* - - 5.17* - - … Growth Domestic Product 2
3 BI 7-day (Reverse) Repo Rate % 6.00 5.00 3.75 3.50 5.50 3.75 4.25 4.75 5.25 5.50 5.75 5.75 5.75 5.75 5.75 5.75 5.75 5.75 5.75 BI 7-day (Reverse) Repo Rate 3
4 Kurs USD Rp/USD 14,481 13,901 14,105 14,269 15,731 14,875 15,247 15,542 15,737 15,731 14,979 15,274 15,062 14,751 14,969 15,026 15,083 15,239 15,526 USD exchange rate 4
5 Transaksi Berjalan terhadap PDB Harga Berlaku % -2.94 -2.71 -0.42* 0.30* 0.96* - 1.34* - - 1.13* - - 0.90* - - -0.55** - - … Current Account to GDP at Current Price 5
6 6
7 Perbankan 1) Bank Industries 1) 7
8 Aset Perbankan terhadap Aset Sektor Keuangan % 77.71 77.31 77.98 78.35 78.57 77.90 78.01 78.41 78.36 78.57 78.23 78.10 78.03 77.86 77.74 77.82 77.71 * … … Banks Assets to Financial Sector Assets 8
9 Non Performing Loan (NPL) Gross Bank Umum % 2.37 2.53 3.06 - - - - - - - - - - - - - - - - Aggregate NPL, Gross 9
10 Current Account Saving Account (CASA) terhadap DPK Bank Umum % 55.77 56.86 57.92 - - - - - - - - - - - - - - - - Current Account Saving Account (CASA) to Third Party Funds 10
11 Kewajiban Penyediaan Modal Minimum (KPMM) Bank Umum Konvensional % 22.97 23.40 23.89 - - - - - - - - - - - - - - - - Minimum Capital Adequacy Ratio (CAR) 11
Modal Inti Terhadap Aset Tertimbang Menurut Risiko (ATMR) Bank Umum
12 % 21.29 21.86 22.24 - - - - - - - - - - - - - - - - Core Capital to Risk Weighted-Assets 12
Konvensional
13 Loan to Deposit Ratio (LDR) Bank Umum Konvensional % 94.78 94.43 82.54 - - - - - - - - - - - - - - - - Loan to Deposit Ratio of Conventional Commercial Banks 13
14 Return on Assets (ROA) Bank Umum Konvensional % 2.55 2.47 1.59 - - - - - - - - - - - - - - - - Return On Assets (ROA) 14
Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Bank Umum
15 % 77.86 79.39 86.58 - - - - - - - - - - - - - - - - Operating Expenses towards Operational Revenue 15
Konvensional
16 Non Performing Loan (NPL) Gross Bank Umum % - - - 3.00 2.44 2.88 2.78 2.72 2.65 2.44 2.59 2.58 2.49 2.53 2.52 2.44 2.51 2.47 * … Non Performing Loan (NPL) Gross Commercial Banks 16
17 Current Account Saving Account (CASA) terhadap DPK Bank Umum % - - - 61.63 63.30 62.38 62.45 63.17 62.69 63.30 62.34 62.24 62.17 62.40 61.64 62.27 62.22 61.76 * … Current Account Saving Account (CASA) to Third Party Funds 17
18 Kewajiban Penyediaan Modal Minimum (KPMM) Bank Umum Konvensional % - - - 25.67 25.66 25.20 25.17 25.13 25.47 25.66 25.89 26.02 24.69 24.58 26.07 26.74 27.45 … … Minimum Capital Adequacy Ratio (CAR) 18
Modal Inti Terhadap Aset Tertimbang Menurut Risiko (ATMR) Bank Umum
19 % - - - 24.07 24.10 23.55 23.49 23.47 23.82 24.10 24.38 24.51 23.19 23.04 24.51 25.17 25.86 … … Core Capital to Risk Weighted-Assets 19
Konvensional
20 Loan to Deposit Ratio (LDR) Bank Umum Konvensional % - - - 77.13 78.78 81.22 82.05 79.90 79.60 78.78 79.34 79.80 80.51 80.84 82.13 82.76 82.90 84.19 * … Loan to Deposit Ratio of Conventional Commercial Banks 20
21 Return on Assets (ROA) Bank Umum Konvensional % - - - 1.84 2.43 2.48 2.51 2.47 2.47 2.43 3.02 2.75 2.77 2.72 2.69 2.73 2.74 … … Return On Assets (ROA) 21
Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Bank Umum
22 % - - - 83.58 78.65 76.69 77.16 77.52 77.51 78.65 86.07 81.99 79.36 78.60 77.55 77.34 77.55 … … Operating Expenses towards Operational Revenue 22
Konvensional
23 23
24 Institusi Keuangan Non Bank (IKNB) 2) Non Bank Financial Institutions (NBFI) 2) 24
25 Aset IKNB terhadap Aset Sektor Keuangan % 22.29 22.69 22.02 21.65 21.43 22.10 21.99 21.59 21.64 21.43 21.77 21.90 21.97 22.14 22.26 22.18 22.29 * … … NBFI Assets to Financial Sector Assets 25
26 26
27 Pasar Uang dan Pasar Modal Money Market and Capital Market 27
28 Rata-Rata Harian (RRH) Volume Transaksi PUAB Rupiah Overnight Rp Miliar/ Billions of Rp 11,922 12,664 6,982 5,104 6,972 7,721 9,114 11,106 8,641 6,967 12,701 13,076 12,340 15,720 13,387 13,159 16,506 13,823 12,117 Daily Average Volume of Transactions Interbank Money Market Rupiah Overnight 28
29 RRH Volume Transaksi PUAB Valas Dalam Negeri Overnight USD Ribu/Thousands of USD 198,613 166,791 123,362 49,579 92,307 47,659 90,409 83,276 147,364 111,500 119,262 95,275 98,048 69,143 141,571 143,588 76,225 108,450 72,525 Daily Average Volume of Transaction Interbank Money Market Forex Domestic Overnight 29
30 RRH Volume Transaksi Repo Tenor 1 Minggu Rp Miliar/ Billions of Rp 333 339 187 333 1,456 1,958 3,682 4,161 841 909 1,742 1,801 3,287 3,348 3,734 5,128 5,207 3,697 2,773 Daily Average Volume of Transaction Repo Tenor 1 Week 30
31 Indeks Harga Saham Gabungan (IHSG) Akhir Periode Poin/ Point 6,194 6,300 5,979 6,581 6,851 7,179 7,041 7,099 7,081 6,851 6,839 6,843 6,805 6,916 6,633 6,662 6,931 6,953 6,940 Composite Stock Price Indexs (CSPI) end period 31
32 Nilai Kapitalisasi Pasar Saham Rp Miliar/ Billions of Rp 7,023,497 7,265,016 6,970,009 8,255,624 9,499,139 9,361,900 9,238,085 9,420,709 9,559,871 9,499,139 9,425,459 9,499,080 9,488,182 9,790,231 9,354,254 9,459,175 10,059,818 10,243,990 10,288,444 Stock Market Capitalization 32
33 Price Earning Ratio (PER), average Kali/ Times 13.59 17.09 10.22 19.16 12.32 14.10 14.13 13.40 12.78 12.32 12.68 12.89 13.03 13.80 12.83 12.97 13.54 13.76 13.82 Price Earning Ratio (PER), average 33
34 Rata-rata Nilai Transaksi Harian Saham Rp Miliar/ Billions of Rp 8,500 9,185 9,210 13,410 14,828 14,103 15,706 12,986 13,005 13,168 10,295 9,822 10,197 11,013 11,171 9,642 9,659 11,198 11,363 Average Daily Trading 34
35 Nilai Neto Transaksi Beli Saham oleh Investor Asing Rp Miliar/ Billions of Rp -50,746 49,196 -47,813 37,974 60,575 7,535 3,049 11,278 735 -20,910 -3,213 5,709 4,123 12,294 1,671 -4,377 2,715 -20,102 -4,058 Net Value of Foreign Investor Transaction 35
36 36
37 Pemerintah Pusat Central Government 37
38 Utang Pemerintah terhadap PDB Harga Berlaku % 30.07 30.19 39.40 40.72 * 39.48 * - 39.11 * - - 39.48 * - - 39.10 * - - 38.11 * - - … Government Debt to GDP at Current Price 38
39 39
40 Korporasi 3) Corporation 3) 40
41 Debt to Equity Ratio (DER) kali/ Times 1.22 1.19 1.28 - - - - - - - - - - - - - - - … Debt to Equity Ratio (DER) 41
42 Return on Assets (ROA) % 4.65 3.62 0.99 - - - - - - - - - - - - - - - … Return on Assets (ROA) 42
43 Return on Equity (ROE) % 10.14 7.88 2.22 - - - - - - - - - - - - - - - … Return on Equity (ROE) 43
44 Debt to Equity Ratio (DER) kali/ Times - - - 1.26 1.07 * - 1.09 * - - 1.07 * - - 1.01 * - - 1.03 * - - … Debt to Equity Ratio (DER) 44
45 Return on Assets (ROA) % - - - 3.41 6.84 * - 6.37 * - - 6.84 * - - 6.48 * - - 5.05 * - - … Return on Assets (ROA) 45
46 Return on Equity (ROE) % - - - 7.79 14.54 * - 13.67 * - - 14.54 * - - 13.01 * - - 10.18 * - - … Return on Equity (ROE) 46
47 47
48 Rumah Tangga Households 48
49 NPL Sektor Rumah Tangga (Kredit dari Perbankan) % 1.59 1.68 1.87 1.77 1.63 1.80 1.74 1.76 1.73 1.63 1.75 1.77 1.75 1.87 1.93 1.87 1.94 1.93 * … NPL of Household Sector (Loans from Banks) 49
50 Indeks Keyakinan Konsumen (IKK) Poin/ Point 127.02 126.37 96.50 118.34 119.87 124.72 117.20 120.30 119.06 119.87 123.00 122.42 123.31 126.05 128.34 127.13 123.50 125.25 … Consumer Confidence Index (CCI) 50
51 51
52 Properti Property 52
53 NPL Kredit Pemilikan Properti % 2.40 2.62 2.78 2.41 2.26 2.42 2.38 2.40 2.40 2.26 2.46 2.50 2.42 2.64 2.72 2.72 2.81 2.76 2.66 NPL of Property Loans 53
Composite Residential Property Price Index
54 IHPR Gabungan Poin/ Point 207.3 210.97 213.98 217.13 106.30 - 105.80 - - 106.30 - - 106.75 - - 107.26 - - … 54
55 55
56 Keuangan Inklusif dan UMKM Financial Inclusion and Micro, Small, Medium Enterprises (MSMEs) 56
57 Jumlah Rekening DPK Perbankan per 1.000 Penduduk Dewasa Rekening/ Account 1,589 1,632 1,909 2,186 2,574 2,507 2,504 2,557 2,476 2,574 2,564 2,676 2,588 2,590 2,615 2,637 2,660 2,688 … Number of Third Party Funds per 1.000 Adults 57
58 Jumlah Rekening Kredit Perbankan per 1.000 Penduduk Dewasa Rekening/ Account 230 241 247 432 625 662 665 654 653 625 607 411 411 411 414 415 415 422 … Number of Account Credit per 1.000 Adults 58
59 Kredit UMKM terhadap PDB Harga Berlaku % 6.96 7.02 7.07 7.21 6.90 - 6.94 * - - 6.90 * - - 6.75 * - - 6.81 * - - … MSMEs Credit to GDP at Current Price 59
60 Kredit UMKM terhadap Total Kredit Perbankan % 19.27 19.55 19.67 21.02 20.80 20.82 20.78 20.68 20.80 20.80 20.87 20.80 20.87 20.88 20.74 20.74 20.74 20.79 * … MSMEs Credit to Total Credit 60
Keterangan: Note
1)
Sejak tahun 2021, terdapat perubahan pengelompokan bank berdasarkan modal inti dari BUKU menjadi KBMI dengan 1)
Since 2021, there is a change in classification of bank from BUKU to KBMI refer to POJK No.12/POJK.03/2021
klasifikasi mengacu pada POJK No.12/POJK.03/2021
- Bank tipe I didefinisikan sebagai bank KBMI I yakni bank dengan modal inti s.d. Rp 6 triliun rupiah. - Type I bank is defined as KBMI I bank which has Core Capital up to Rp 6 trillion rupiah.
- Bank tipe II didefinisikan sebagai bank KBMI II yakni bank dengan modal inti >Rp6 Triliun s.d. Rp14 triliun. - Type II bank are defined as KBMI II bank which has Core Capital > Rp 6 Trillion up to Rp 14 trillion.
- Bank tipe III didefinisikan sebagai bank KBMI III yakni bank dengan modal inti >Rp14 triliun s.d. Rp70 triliun. - Type III bank are defined as KBMI III bank which has Core Capital > Rp 14 trillion up to Rp 70 trillion.
2) - Bank
IKNB tipe perhitungan
dalam IV didefinisikan sebagai bank
ini mencakup DanaKBMI IV yakni
Pensiun, bank dengan
Perusahaan modal Modal
Pembiayaan, inti >Rp70 triliun.
Ventura, - Type IV bank are defined as KBMI IV bank which has Core Capital >Rp 70 trillion.
2)
OFC consist of Pension Funds, Finance Company, Venture Capitals, Infrastructure Finance Company, Insurance, Mutual Funds,
Pembiayaan
3) Infrastruktur,
Korporasi Non KeuanganAsuransi, Reksadana,
yang terdaftar di BEIPerusahaan Penjaminan,
dengan kapitalisasi pasarPerusahaan Ekspor
terbesar. Angka Impor,
terkini Credit Guaranteed Coorporation, Expor Impor Company, and Pawn Shop
dan Pegadaian
merupakan angka sementara. Pada Tw II 2021 terdapat perubahan Sektor dari 8 Sektor menjadi 11 4)
Non Financial Corporation listed in IDX with largest market capitalisation. Current figures is preliminary figures
Sektor
* Angka Sementara * Preliminary figures
** Angka sangat Sementara ** Very preliminary figures
Sumber: Bank Indonesia (BI), Biro Pusat Statistik (BPS), Bursa Efek Indonesia (BEI), Kementrian Source: Bank Indonesia (BI), Statistics Indonesia, Indonesia Stock Exchange (IDX), Ministry of Finance (MoF), Financial Service
Keuangan (Kemenkeu), Otoritas Jasa Keuangan (OJK) diolah Authority (FSA) processed
Statistik Sistem Keuangan Indonesia 9 Bank Indonesia
Indonesia Financial System Statistics

TABEL 2. INDIKATOR MAKROEKONOMI
TABLE 2. INDICATORS OF MACROECONOMIC
2022 2023
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sept
1 Transaksi Berjalan terhadap PDB Harga Berlaku % -2.94 -2.71 -0.42* 0.30* 0.96* 1.34* - - 1.13* - - 0.90* - - -0.55** - - … Current Account to GDP at Current Price 1
2 Aset Finansial Luar Negeri terhadap PDB Harga Berlaku % 33.27 33.54 38.16* 36.33* 34.15* 33.42* - - 34.15* - - 34.84* - - 34.20** - - … External Financial Assets to GDP at Current Price 2
3 Aset Finansial Luar Negeri terhadap Ekspor % 148.51 170.49 208.21* 163.06* 134.90* 134.01* - - 134.90* - - 137.64* - - 140.88** - - … External Financial Assets to Export 3
4 Kewajiban Finansial Luar Negeri terhadap PDB Harga Berlaku % 63.69 63.74 64.57* 59.71* 53.23* 53.43* - - 53.23* - - 53.82* - - 52.93** - - … External Financial Liabilities to GDP at Current Price 4
5 Kewajiban Finansial Luar Negeri terhadap Ekspor % 284.32 323.98 352.33* 268.01* 210.22* 214.22* - - 210.22* - - 212.64* - - 218.00** - - … External Financial Liabilities to Export 5
6 Utang Luar Negeri (ULN) Menurut Jangka Waktu Sisa terhadap PDB Harga Berlaku % 36.02 36.07 39.33* 34.89* 30.10* 30.23* - - 30.10* - - 30.16* - - 29.30* - - … External Debt by remaining maturity to GDP at Current Price 6
7 Jangka Pendek (≤ 1 Tahun) % 5.77 5.66 6.14* 5.01* 5.05* 4.79* - - 5.05* - - 5.03* - - 4.65* - - … Short term (≤ 1 year) 7
8 Pemerintah % 1.23 0.98 1.33* 1.07* 1.08* 0.99* - - 1.08* - - 1.15* - - 0.88* - - … Government 8
9 Bank Sentral % 0.03 0.03 0.00* 0.00* 0.07* 0.00* - - 0.07* - - 0.07* - - 0.07* - - … Central Bank 9
10 Swasta % 4.51 4.65 4.81* 3.94* 3.90* 3.79* - - 3.90* - - 3.81* - - 3.69* - - … Private 10
11 Jangka Panjang (> 1 Tahun) % 30.25 30.41 33.19* 29.88* 25.05* 25.44* - - 25.05* - - 25.13* - - 24.65* - - … Long term (> 1 year) 11
12 Pemerintah % 16.34 16.88 18.14* 15.80* 13.05* 12.96* - - 13.05* - - 13.35* - - 13.35* - - … Government 12
13 Bank Sentral % 0.26 0.24 0.27* 0.76* 0.63* 0.63* - - 0.63* - - 0.63* - - 0.62* - - … Central Bank 13
14 Swasta % 13.64 13.28 14.79* 13.32* 11.37* 11.85* - - 11.37* - - 11.15* - - 10.69* - - … Private 14
15 Utang Luar Negeri terhadap Ekspor % 160.82 183.32 214.62 156.61 118.76* 121.14* - - 118.76* - - 119.04* - - 120.64* - - … External Debt to Export 15
16 Utang Luar Negeri Jangka Pendek menurut Jangka Waktu Sisa terhadap Ekspor % 25.78 28.76 33.50 22.48 19.95* 19.20* - - 19.95* - - 19.89* - - 19.14* - - … Short term External Debt by remaining maturity to Export 16
17 Rasio Pembayaran Utang Luar Negeri % 54.05 54.12 52.75 41.22 39.84* 38.07* - - 38.27* - - 36.29* - - 38.94** - - … External Debt Service Ratio (DSR) 17
18 Posisi Cadangan Devisa dalam Bulan Impor dan Pembayaran ULN Pemerintah Bulan/ Month 6.50 7.30 9.80 7.80 6.00 5.70 5.60 5.80 6.00 6.10 6.00 6.20 6.30 6.00 6.00 6.00 6.00 … Reserves in month of import and official debt repayment 18
19 19
20 Indikator Makroekonomi Internasional International Macroeconomic Indicators 20
21 Pertumbuhan Ekonomi Dunia1) %, yoy 3.60 2.80 -3.50 6.20 3.40 - - - 3.40 - - - - - - - - 3.00 * World Economic Growth 1) 21
22 Suku Bunga Internasional Internasional Interest Rate 22
23 London Interbank Offered Rate (LIBOR) 3 Bulan % per tahun/ per year 2.81 1.91 0.24 0.21 4.77 3.75 4.46 4.78 4.77 4.81 4.97 5.19 5.30 5.52 5.55 5.63 5.66 5.66 London Interbank Offered Rate (LIBOR) 3 month 23
24 Singapore Interbank Offered Rate (SIBOR) 3 Bulan2) % per tahun/ per year - - - - - - - - - - - - - - - - - - Singapore Interbank Offered Rate (SIBOR) 3 month 24
25 Credit Default Swap (CDS) Negara Kawasan Tenor 5 Tahun 5-year Credit Default Swap (CDS) of Selected Countries in the Region 25
26 Jepang bps 24.85 19.96 16.27 17.54 24.82 28.25 30.42 24.31 24.82 24.61 25.37 25.57 23.32 19.50 16.02 15.84 21.59 26.50 Japan 26
27 China bps 66.85 31.21 27.96 40.13 72.88 109.94 125.19 78.23 72.88 53.42 71.31 73.62 72.52 67.40 60.55 53.32 76.47 82.66 China 27
28 Malaysia bps 109.81 34.76 37.52 45.30 78.68 121.45 107.11 74.40 78.68 66.41 71.72 74.20 71.36 64.38 54.05 41.49 51.36 50.86 Malaysia 28
29 Thailand bps 44.00 25.30 36.80 32.42 61.39 90.59 87.72 60.44 61.39 49.63 49.87 53.74 49.97 56.33 52.52 35.44 37.91 52.34 Thailand 29
30 Harga Komoditas Internasional International Commodity Price 30
31 Batubara USD/Metric Ton 80.79 61.36 54.06 92.13 198.04 195.19 191.07 183.97 198.04 155.50 134.60 112.22 89.69 78.19 71.80 63.65 67.02 70.00 Coal 31
32 Minyak Kelapa Sawit USD/Metric Ton 440.64 685.57 899.45 1208.35 893.82 808.23 799.69 880.93 893.82 901.78 909.24 928.90 950.98 838.92 766.00 847.38 824.26 793.88 Crude Palm Oil (CPO) 32
33 Minyak West Texas Intermediate (WTI) USD/ barel 48.95 59.82 47.05 71.53 76.52 83.87 87.26 84.78 76.52 78.11 76.84 73.37 79.44 71.59 70.23 76.39 81.40 89.58 Oil West Texas Intermediate (WTI) 33
34 Karet USD/kg 1.59 1.88 2.44 2.18 1.82 1.79 1.70 1.75 1.82 1.99 2.09 2.02 1.91 1.85 1.83 1.82 1.75 1.76 Rubber 34
35 Kopi Robusta7) USD /pound 77.25 71.61 75.71 115.09 88.93 107.90 94.73 92.59 88.93 103.49 106.38 108.48 118.50 124.45 124.26 126.34 124.55 120.76 Coffee Robusta7) 35
36 36
37 Indikator Makroekonomi Domestik Domestic Macroeconomic Indicators 37
38 Pertumbuhan Ekonomi Indonesia %, yoy 5.17 5.02 -2.07 3.70* 5.31* 5.73* - - 5.01* - - 5.04* - - 5.17* - - … Growth Domestic Product 38
39 Produk Domestik Bruto (PDB) Harga Konstan Rp Miliar/ Billions of Rp 10,425,852 10,949,038 10,722,999 11,120,078 * 11,710,398 * 2,977,973 * - - 2,988,637 * - - 2,961,551 * - - 3,075,749 * - - … Gross Domestic Bruto (GDP), constant price 39
40 Produk Domestik Bruto (PDB) Harga Berlaku Rp Miliar/ Billions of Rp 14,838,756 15,832,535 15,443,353 16,976,691 * 19,588,446 * 5,066,994 * - - 5,114,911 * - - 5,072,370 * - - 5,226,670 * - - … Gross Domestic Bruto (GDP), current price 40
41 Produk Domestik Bruto (PDB) Harga Berlaku, Annualized Rp Miliar/ Billions of Rp 14,838,756 15,832,535 15,443,353 16,976,691 * 19,588,446 * 18,972,127 * - - 19,588,446 * - - 20,152,218 * - - 20,480,945 * - - … Gross Domestic Bruto (GDP), current price, Annualized 41
42 Konsumsi Rumah Tangga Harga Berlaku Rp Miliar/ Billions of Rp 8,274,214 8,965,837 8,899,918 9,236,020 * 10,160,356 * 2,564,716 * - - 2,641,889 * - - 2,682,037 * - - 2,786,083 * - - … Household Consumption, current price 42
43 BI Rate % - - - - - - - - - - - - - - - - - - BI Rate 43
44 BI 7-day (Reverse) Repo Rate3) % 6.00 5.00 3.75 3.50 5.50 4.25 4.75 5.25 5.50 5.75 5.75 5.75 5.75 5.75 5.75 5.75 5.75 5.75 BI 7-day (Reverse) Repo Rate3) 44
45 Inflasi (yoy) %, yoy 3.13 2.72 1.68 1.87 5.51 5.95 5.71 5.42 5.51 5.28 5.47 4.97 4.33 4.00 3.52 3.08 3.27 2.28 Inflation Rate 45
46 Inflasi (mtm) %, mtm - - - - - 1.17 -0.11 0.09 0.66 0.33 0.13 0.18 0.33 0.09 0.14 0.21 -0.02 0.19 Inflation Rate 46
47 IndONIA (Indonesian Overnight Index Average)4) % 4.75 5.53 3.90 2.82 3.75 3.44 4.00 4.50 4.87 5.10 5.51 5.59 5.63 5.56 5.61 5.61 5.62 5.60 IndONIA (Indonesian Overnight Index Average)4) 47
48 JIBOR (Jakarta Interbank Offered Rate)5) JIBOR (Jakarta Interbank Offered Rate)5) 48
49 Overnight % 4.80 - - - - - - - - - - - - - - - - - Overnight 49
50 1 Minggu % 5.44 5.87 4.37 3.53 4.47 4.08 4.71 5.25 5.62 5.85 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 1 Week 50
51 1 Bulan % 6.22 6.37 4.53 3.59 4.76 4.36 5.09 5.65 6.02 6.27 6.39 6.40 6.40 6.40 6.39 6.40 6.40 6.40 1 Month 51
52 JISDOR (Jakarta Interbank Spot Dollar Rate) Rp/USD 14,481 13,901 14,105 14,278 15,592 15,232 15,596 15,742 15,592 14,992 15,240 14,977 14,661 15,003 15,000 15,092 15,237 15,487 JISDOR (Jakarta Interbank Spot Dollar Rate) 52
53 Kurs USD Rp/USD 14,481 13,901 14,105 14,269 15,731 15,247 15,542 15,737 15,731 14,979 15,274 15,062 14,751 14,969 15,026 15,083 15,239 15,526 USD exchange rate 53
54 Kurs Jual Rp/USD 14,553 13,971 14,176 14,340 15,810 15,323 15,620 15,816 15,810 15,054 15,350 15,137 14,825 15,044 15,101 15,158 15,315 15,604 Selling rate 54
55 Kurs Beli Rp/USD 14,409 13,832 14,034 14,198 15,652 15,171 15,464 15,658 15,652 14,904 15,198 14,987 14,677 14,894 14,951 15,008 15,163 15,448 Buying rate 55
56 Currency Substitution Ratio8) Currency Substitution Ratio8) 56
57 Giro valas terhadap Uang Beredar dalam Arti Sempit (M1) % 9.18 9.64 9.71 11.62 13.69 12.18 12.28 13.90 13.69 14.29 14.77 14.83 13.67 13.53 13.73 13.95 14.22 * … Foreign Currency Demand Deposits to Narrow Money Supply (M1) 57
58 (Giro valas + Deposito valas) terhadap (M1+ Deposito Rupiah) % 11.63 11.53 10.75 11.79 13.47 12.50 12.71 13.54 13.47 13.79 14.15 14.08 12.99 12.85 12.79 13.09 r 13.25 * … (Foreign Currency Demand Deposits + Foreign Currency Time Deposits) to (M1+ Rp Time Deposits) 58
(Giro valas + Deposito Valas + Tabungan Valas) terhadap (M1 + Deposito Rupiah + (Foreign Currency Demand Deposits + Foreign Currency Time Deposits + Foreign Currency Savings) to (M1 +
59 % 10.62 10.37 9.97 10.65 12.08 11.41 11.66 12.27 12.08 12.35 12.64 12.61 11.76 11.54 11.42 11.64 r 11.76 * … 59
Tabungan Rupiah) RpTime Depositos + Rp Savings )
60 Posisi Investasi Internasional Indonesia (Net) USD Juta/ Millions of USD -317,051 -337,919 -279,975 -277,408 -251,640 * -261,307 * - - -251,640 * - - -254,001 * - - -253,301 ** - - … Indonesia International Investment Position (Net) 60
61 Aset Finansial Luar Negeri USD Juta/ Millions of USD 346,696 375,320 404,481 431,017 450,675 * 436,564 * - - 450,675 * - - 466,130 * - - 462,726 ** - - … External Financial Assets 61
62 Kewajiban Finansial Luar Negeri USD Juta/ Millions of USD 663,747 713,239 684,456 708,425 702,314 * 697,871 * - - 702,314 * - - 720,131 * - - 716,027 ** - - … External Financial Liabilities 62
63 Neraca Pembayaran Indonesia Indonesia Balance of Payments 63
64 Transaksi berjalan USD Juta/ Millions of USD -30,633 -30,279 -4,433 3,511 12,670 * 4,547 * - - 3,723 * - - 2,982 * - - -1,933 ** - - … Current Account 64
65 a.l Neraca Perdagangan USD Juta/ Millions of USD -228 3507.73 28,301 43,806 62,672 * 17,623 * - - 16,951 * - - 14,701 * - - 10,352 ** - - … o/w. Trade Balance 65
66 Ekspor Barang USD Juta/ Millions of USD 180,725 168,455 163,402 232,835 292,538 * 77,836 * - - 72,759 * - - 67,320 * - - 61,977 ** - - … Export 66
67 Impor Barang USD Juta/ Millions of USD -180,953 -164,948 -135,101 -189,029 -229,866 * -60,213 * - - -55,808 * - - -52,619 * - - -51,625 ** - - … Import 67
68 Transaksi Modal dan Finansial USD Juta/ Millions of USD 25,219 36,603 7,921 12,572 -7,874 * -5,377 * - - 686 * - - 3,685 * - - -4,964 ** - - … Capital and Financial Account 68
69 a.l Transaksi Finansial USD Juta/ Millions of USD 25,122 36563.59 7884.35 12,492 -8,325 * -5,379 * - - 240 * - - 3,684 * - - -4,969 ** - - … o/w Financial Account 69
70 Aset USD Juta/ Millions of USD -19,186 -15,339 -16,831 -13,715 -24,831 * -9,093 * - - -2,816 * - - -4,911 * - - -5,323 ** - - … Assets 70
71 Kewajiban USD Juta/ Millions of USD 44,308 51,903 24,715 26,207 16,505 * 3,714 * - - 3,056 * - - 8,595 * - - 354 ** - - … Liabilities 71
72 1. Investasi Langsung USD Juta/ Millions of USD 12,511 20531.07 14,142 17,286 14,816 * 3,346 * - - 3,451 * - - 3,861 * - - 3,309 ** - - … 1. Direct Investment 72
73 Aset USD Juta/ Millions of USD -6,399 -4,462 -5,033 -3,927 -6,612 * -2,153 * - - -1,806 * - - -1,870 * - - -1,449 ** - - … Assets 73
74 Kewajiban USD Juta/ Millions of USD 18,910 24,994 19,175 21,213 21,428 * 5,499 * - - 5,258 * - - 5,731 * - - 4,759 ** - - … Liabilities 74
75 2. Investasi Portofolio USD Juta/ Millions of USD 9,312 21,990 3,369 5,086 -8,469 * -3,121 * - - -1,717 * - - 3,030 * - - -2,587 ** - - … 2. Portfolio Investment 75
76 Aset USD Juta/ Millions of USD -5,171 410 -1,199 -1,778 -5,047 * -1,624 * - - -747 * - - -1,260 * - - -765 ** - - … Assets 76
77 Kewajiban USD Juta/ Millions of USD 14,483 21,581 4,567 6,863 -3,422 * -1,497 * - - -970 * - - 4,291 * - - -1,822 ** - - … Liabilities 77
78 3. Derivatif Finansial USD Juta/ Millions of USD 34 186 18 333 48 * 9* - - -11 * - - 205 * - - -83 ** - - … 3. Financial Derivative 78
79 4. Investasi Lainnya USD Juta/ Millions of USD 3,266 -6,144 -9,645 -10,212 -14,721 * -5,613 * - - -1,483 * - - -3,412 * - - -5,609 ** - - … 4. Other Investment 79
80 Aset USD Juta/ Millions of USD -8,233 -12,203 -11,908 -9,486 -14,507 * -5,645 * - - -728 * - - -2,370 * - - -3,261 ** - - … Assets 80
81 Kewajiban USD Juta/ Millions of USD 11,499 6,059 2,264 -726 -214 * 32 * - - -755 * - - -1,042 * - - -2,348 ** - - … Liabilities 81
82 Neraca keseluruhan USD Juta/ Millions of USD -5,414 6,324 2,597 13,461 3,999 * -1,304 * - - 4,730 * - - 6,517 * - - -7,372 ** - - … Overall Balance 82
83 Posisi Cadangan Devisa USD Juta/ Millions of USD 120,654 129,183 135,897 144,905 137,233 130,782 130,197 133,994 137,233 139,404 140,311 145,189 144,167 139,286 137,541 137,674 137,090 134,856 Reserves Position 83
84 Credit Default Swap (CDS) Indonesia tenor 5 tahun bps 137.45 67.72 67.78 75.30 99.57 160.38 138.42 92.50 99.57 88.10 93.83 96.47 95.91 88.80 86.12 73.67 81.25 92.94 Indonesia 5-year Credit Default Swap (CDS) 84
85 Utang Luar Negeri (ULN) Menurut Jangka Waktu Sisa dan Kelompok Peminjam External Debt by Remaining Maturity and Group of Borrower 85
86 Total USD Juta/ Millions of USD 375,430 403,563 416,935 413,972 397,131 * 394,829 * 390,302 * 393,592 * 397,131 * 405,573 * 401,534 * 403,573 * 403,949 * 399,385 * 396,375 * 397,076 * 395,147 ** … Total 86
87 Utang Jangka Pendek (≤ 1 Tahun) USD Juta/ Millions of USD 60,174 63,313 65,079 59,430 66,648 * 62,533 * 63,262 * 65,471 * 66,648 * 67,246 * 68,095 * 67,348 * 64,880 * 64,436 * 62,854 * 63,561 * 64,017 ** … Short term debt (≤ 1 year) 87
88 Utang Jangka Panjang (> 1 Tahun) USD Juta/ Millions of USD 315,256 340,249 351,857 354,542 330,483 * 332,296 * 327,040 * 328,121 * 330,483 * 338,327 * 333,439 * 336,224 * 339,070 * 334,949 * 333,521 * 333,515 * 331,129 ** … Long term debt (> 1 year) 88
89 Pemerintah USD Juta/ Millions of USD 183,197 199,876 206,375 200,175 186,474 * 182,289 * 179,687 * 181,577 * 186,474 * 194,288 * 192,282 * 194,016 * 194,055 * 192,560 * 192,548 * 193,174 * 191,598 ** … Government 89
92 Bank Sentral USD Juta/ Millions of USD 3,078 2,996 2,871 9,030 9,198 * 8,222 * 8,283 * 8,580 * 9,198 * 9,344 * 9,259 * 9,396 * 9,423 * 9,268 * 9,289 * 9,365 * 9,271 ** … Central Bank 92
93 Utang Jangka Pendek (≤ 1 Tahun) USD Juta/ Millions of USD 351 283 21 27 872 * 36 * 36 * 148 * 872 * 880 * 961 * 974 * 970 * 941 * 941 * 1,043 * 1,053 ** … Short term debt (≤ 1 year) 93
95 Swasta USD Juta/ Millions of USD 189,155 200,690 207,689 204,767 201,458 * 204,319 * 202,332 * 203,435 * 201,458 * 201,941 * 199,993 * 200,160 * 200,471 * 197,557 * 194,538 * 194,537 * 194,277 ** … Private 95
96 Bank USD Juta/ Millions of USD 34,367 35,245 33,600 32,898 34,252 * 34,758 * 34,799 * 34,799 * 34,252 * 33,603 * 33,037 * 33,596 * 33,789 * 33,374 * 32,273 * 31,419 * 32,024 ** … Bank 96
99 Nonbank USD Juta/ Millions of USD 154,788 165,445 174,089 171,869 167,206 * 169,560 * 167,533 * 168,636 * 167,206 * 168,338 * 166,955 * 166,565 * 166,682 * 164,183 * 162,265 * 163,118 * 162,253 ** … Non Bank 99
102 Total Aset Sektor Keuangan Rp Miliar/ Bilions of Rp 10,557,778 11,270,373 11,968,846 13,121,335 14,376,871 * 13,669,524 14,017,133 14,104,749 14,376,871 14,205,167 14,251,037 14,303,367 14,274,100 14,244,968 14,440,549 14,433,896 * … … Total Asset of Financial Sector 102
103 Perbankan Rp Miliar/ Bilions of Rp 8,204,039 8,712,597 9,332,969 10,280,747 11,295,623 10,663,235 10,990,679 11,052,980 11,295,623 11,113,170 11,129,428 11,161,595 11,113,125 11,073,365 11,237,802 11,217,156 … … Bank 103
104 Institusi Keuangan Non Bank (IKNB) 6) Rp Miliar/ Bilions of Rp 2,353,739 2,557,776 2,635,877 2,840,588 3,081,249 * 3,006,289 3,026,454 3,051,769 3,081,249 3,091,997 3,121,609 3,141,772 3,160,975 3,171,602 3,202,747 3,216,740 * 3,117,370 * … Non Bank Financial Institution (NBFI) 6) 104
Keterangan: Note:
- PDB menggunakan Tahun Dasar 2010. Penetapan angka sangat sementara, sementara, dan angka tetap, sesuai
- GDP by Base Year 2010. Forecast, preliminary, and fixed figures statement refers to BPS publications
dengan publikasi BPS.
- PDB yang digunakan dalam perhitungan rasio menggunakan PDB Harga Berlaku. - GDP as denominator is at current price
- Ekspor yang digunakan dalam perhitungan rasio merupakan ekspor yang terdiri dari ekspor barang, jasa,
- Export as denominator includes goods, services, income & current transfer based on BOP
penerimaan pendapatan primer dan penerimaan jasa sekunder pada Neraca Pembayaran Indonesia.
1)
Angka terkini merupakan angka proyeksi untuk keseluruhan tahun 2021 berdasarkan WEO Oktober 2021 1)
Current datum is estimated growth based on World Economic Outlook - IMF period of October 2021 (Update). Estimated growth is
(Update). Angka proyeksi merupakan angka perkiraan untuk keseluruhan tahun yang dipublikasikan melalui
estimation for annual growth published by IMF on January, April, July and October.
World Economic Outlook IMF tiap Januari, April, Juli dan Oktober.
2)
Monetary Authority of Singapore memutuskan menghentikan perhitungan SIBOR 3 bulan sejak Januari 2)
Monetary Authority of Singapore decided to discontinue calculation of SIBOR 3 M with effect from 1 January 2014
2014.
Penggunaan BI 7-Day Repo Rate sebagai suku bunga acuan berlaku mulai tanggal 19 Agustus 2016.
3)
3)
The BI 7-Day (Reverse) Repo Rate, effective from 19th August 2016. Before 19th August 2016, BI Rate as policy rate
Sebelum periode tersebut, suku bunga acuan menggunakan BI Rate.
4)
Data IndONIA pada periode 2 Januari 2017 – 31 Juli 2018 adalah data suku bunga rata-rata tertimbang 4)
Historical data of IndONIA from January 2nd, 2017 until July 31st, 2018 are the volume-weighted average of interest rate of rupiah
transaksi PUAB overnight, yang dimaknai sama dengan IndONIA. Sejak 2 Januari 2019, benchmark rate unsecured transactions in Indonesia interbank money market of which could be considered the same as definition of IndONIA. Since
JIBOR overnight digantikan dengan indeks suku bunga antarbank untuk jangka waktu overnight di Indonesia January 2nd, 2019, JIBOR will be replaced by the interbank interest rate index for the Indonesian overnight period or Indonia (Indonesia
atau IndONIA (Indonesia Overnight Index Average). Overnight Index Average).
5)
Rata-rata harian. 5)
Daily Average
6)
Sejak posisi Januari 2017 terdapat perubahan cakupan total Aset IKNB. Cakupan OFC ditambah PT. SMF,
PT. Danareksa, PT. PNM, LKM, dan Jasa Penunjang Asuransi dan Reasuransi. Perubahan angka tersebut Since January 2017, data coverage of asset IKNB has been changed. OFCs' coverage includes PT. Sarana Multigriya Finance, PT.
6)
karena angka PT.Danareksa diganti dengan Reksadana yang sebelumnya digunakan sebagai pendekatan mutual Danareksa/Mutual Funds, PT. Permodalan Nasional Madani, LKM and Insurance Supporting Services. The figures changed due to
fund. Selain itu, Angka Jasa Penunjang masih menggunakan angka Desember 2016 dan angka Lembaga PT.Danareksa replace Reksadana/Mutual Funds, which previously used as a mutual fund approach.
Keuangan Khusus masih menggunakan angka periode sebelumnya.
7)
Data Kopi Robusta mengalami perubahan sejak periode publikasi Oktober 2021 karena terdapat perubahan 7)
Data has changed since the October 2021 publication period due to a ticker change in Bloomberg.
ticker dalam Bloomberg.
8)
Sejak November 2021, tabungan rupiah yang dapat ditarik sewaktu-waktu direklasifikasi dari sebelumnya 8)
Since November 2021, rupiah saving deposits that can be withdrawn at any time is reclassified from quasi money to narrow money, due
komponen uang kuasi, menjadi M1 karena sifatnya yang mudah digunakan untuk transaksi. Data reklasifikasi
to its highly liquid nature. Backdated data available since January 2011.
tersedia sejak Januari 2011.
Sumber: BI, BPS, Kemenkeu, IMF, OJK, dan Bloomberg (diolah) Source: BI, Statistics Indonesia, MoF, IMF, FSA, and Bloomberg (processed)
Statistik Sistem Keuangan Indonesia

10 Bank Indonesia
TABEL 3. INDIKATOR SEKTOR PERBANKAN 1) /
TABLE 3. INDICATORS OF BANKING SECTOR 1)
2022 2023
Aug Sept Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug*
1 Jumlah Bank Umum Satuan / Unit 115 110 109 107 106 107 107 107 107 106 106 106 106 106 105 105 105 … Number of Commercial Banks 1
2 Jumlah Bank Perkreditan Rakyat Satuan / Unit 1,597 1,545 1,506 1,468 1,441 1,450 1,446 1,445 1,442 1,441 1,437 1,429 1,426 1,416 1,413 1,413 1,413 … Number of Rural Banks 2
3 Aset Bank Umum Rp Miliar/ Billions of Rp 8,068,346 8,562,974 9,177,894 10,112,304 11,113,321 10,393,089 10,487,576 10,814,058 10,874,853 11,113,321 10,932,183 10,947,533 10,979,992 10,932,358 10,888,888 11,052,100 11,030,031 … Commercial Banks Assets 3
4 Aset BPR Rp Miliar/ Billions of Rp 135,693 149,623 155,075 168,443 182,302 175,039 175,659 176,621 178,127 182,302 180,988 181,895 181,603 180,767 184,477 185,702 187,124 … Rural Banks Assets 4
5 Aset Perbankan terhadap Aset Sektor Keuangan 2) % 77.71 77.31 77.98 78.35 78.57 77.90 78.01 78.41 78.36 78.57 78.23 78.10 78.03 77.86 77.74 77.82 77.71 * … Banks Assets to Financial Sector Assets 2) 5
6 6
7 Komposisi Penyaluran Dana Allocation of Funds 7
8 Penempatan pada BI % 9.82 9.26 8.52 11.33 11.69 9.30 9.36 11.01 10.24 11.69 10.07 9.88 9.98 9.40 8.72 8.84 8.43 … Placement at Bank Indonesia 8
9 Penempatan pada Bank Lain % 2.83 2.96 2.78 2.21 2.22 2.44 2.26 2.14 2.23 2.22 2.45 2.25 2.19 2.73 2.23 2.12 2.10 … Placement at Other Banks 9
10 Surat Berharga % 12.06 12.23 16.12 18.10 16.84 17.41 17.37 17.06 17.19 16.84 17.32 17.89 17.61 17.25 16.91 16.74 17.05 … Marketable Securities 10
11 Kredit yang Diberikan % 68.60 68.64 60.98 57.55 58.72 60.00 60.35 59.17 59.00 58.72 58.53 58.98 59.65 60.22 61.19 61.33 61.56 … Extended Credit 11
12 Lainnya % 6.68 6.91 11.60 10.81 10.53 10.85 10.66 10.62 11.34 10.53 11.63 10.99 10.57 10.40 10.96 10.96 10.87 … Others 12
13 13
14 Komposisi Portofolio Kewajiban Composition of Liabilities Portfolio to Total Assets 14
15 a.l. Dana Pihak Ketiga % 69.78 70.05 72.62 73.96 73.37 73.21 72.92 73.30 73.33 73.37 72.76 72.97 72.91 73.15 73.54 72.77 73.11 … o.w Third Party Funds 15
16 Giro % 16.30 17.12 18.38 21.20 22.91 21.47 21.46 23.05 22.57 22.91 22.12 22.28 22.18 21.96 21.70 21.85 21.98 … Demand Deposits 16
17 Tabungan % 22.62 22.72 23.68 24.05 23.53 24.20 24.08 23.26 23.40 23.53 23.23 23.13 23.14 23.68 23.63 23.46 23.51 … Saving Accounts 17
18 Deposito % 30.86 30.22 30.56 28.71 26.92 27.54 27.38 27.00 27.36 26.92 27.40 27.56 27.58 27.51 28.21 27.45 27.62 … Term Deposits 18
19 Kewajiban kepada Bank Indonesia % 0.03 0.03 0.07 0.02 0.02 0.01 0.02 0.01 0.01 0.02 0.04 0.02 0.04 0.05 0.06 0.16 0.11 … Obligations to Bank Indonesia 19
20 Kewajiban kepada Bank Lain % 2.39 2.31 1.93 1.59 1.56 1.64 1.57 1.53 1.44 1.56 1.57 1.46 1.50 1.68 1.58 1.66 1.62 … Obligations to Other Banks 20
21 Surat Berharga yang diterbitkan % 1.43 1.58 1.36 1.16 1.04 1.05 1.06 1.03 1.04 1.04 1.00 0.97 0.94 0.96 0.97 0.98 0.94 … Marketable Securities Issued 21
22 Pinjaman yang Diterima % 3.68 3.49 2.94 2.25 2.64 2.39 2.61 2.64 2.69 2.64 2.56 2.55 2.49 2.38 2.36 2.38 2.34 … Loans received 22
23 23
24 Permodalan Bank Umum Konvensional 6) Capital of Commercial Banks 6) 24
25 Kewajiban Penyediaan Modal Minimum (KPMM) % 22.97 23.40 23.89 - - - - - - - - - - - - - - - Minimum Capital Adequacy Ratio (CAR) 25
26 Modal Inti terhadap ATMR % 21.29 21.86 22.24 - - - - - - - - - - - - - - - Core Capital to Risk Weighted-Assets 26
27 Modal Inti terhadap Total Modal % 92.68 93.42 93.09 - - - - - - - - - - - - - - - Core Capital to Total Capital 27
28 Kewajiban Penyediaan Modal Minimum (KPMM) % - - - 25.67 25.66 25.20 25.17 25.13 25.47 25.66 25.89 26.02 24.69 24.58 26.07 26.74 27.45 … Minimum Capital Adequacy Ratio (CAR) 28
29 Modal Inti terhadap ATMR % - - - 24.07 24.10 23.55 23.49 23.47 23.82 24.10 24.38 24.51 23.19 23.04 24.51 25.17 25.86 … Core Capital to Risk Weighted-Assets 29
30 Modal Inti terhadap Total Modal % - - - 93.78 93.90 93.44 93.30 93.42 93.50 93.90 94.18 94.21 93.95 93.76 94.01 94.14 94.19 … Core Capital to Total Capital 30
31 31
32 Permodalan Bank Umum Syariah Capital of Sharia Banks 32
33 Kewajiban Penyediaan Modal Minimum (KPMM) % 20.39 20.59 21.64 25.71 26.28 23.63 23.52 23.38 23.65 26.28 26.11 26.19 26.01 25.35 25.16 25.35 … … Minimum Capital Adequacy Ratio (CAR) 33
34 Aktiva Produktif Yang Diklasifikasikan terhadap Aktiva Produktif 3) % 3.04 2.77 2.65 1.94 1.83 2.08 2.10 2.05 2.06 1.83 2.02 1.97 1.90 1.96 2.00 2.05 … … Classified Earnings Assets to Productive Assets3) 34
35 35
36 Rentabilitas Bank Umum Konvensional 6) Profitability of Commercial Banks 36
37 BUKU I Group of Business Acitivies I 37
38 Return On Assets (ROA) % 1.39 1.17 -0.38 - - - - - - - - - - - - - - - Return On Assets (ROA) 38
39 Net Interest Margin (NIM) % 5.60 4.87 3.37 - - - - - - - - - - - - - - - Net Interest Margin (NIM) 39
40
40 Biaya Operasional terhadap Pendapatan Operasional (BOPO) % 87.90 89.55 103.91 - - - - - - - - - - - - - - - Operating Expenses towards Operational Revenue
41 BUKU II Group of Business Acitivies II 41

42 Return On Assets (ROA) % 1.54 1.42 1.31 - - - - - - - - - - - - - - - Return On Assets (ROA) 42
44
45 BUKU III Group of Business Acitivies III 45

48
49 BUKU IV Group of Business Acitivies IV 49

52
53 Agregat Aggregate 53
56
57 KBMI I Group of Business Acitivies I 57

58 Return On Assets (ROA) % - - - 0.60 0.77 0.69 0.82 0.81 0.83 0.77 1.59 1.36 1.36 1.16 1.40 0.82 1.30 … Return On Assets (ROA) 58
59 Net Interest Margin (NIM) % - - - 3.70 4.46 4.29 4.35 4.38 4.42 4.46 4.67 4.61 4.69 4.65 4.93 4.68 5.06 … Net Interest Margin (NIM) 59
60
60 Biaya Operasional terhadap Pendapatan Operasional (BOPO) % - - - 95.91 92.60 93.40 92.70 92.55 92.28 92.60 92.40 90.01 89.08 90.83 88.28 92.57 88.80 … Operating Expenses towards Operational Revenue
61 KBMI II Group of Business Acitivies II 61

64
65 KBMI III Group of Business Acitivies III 65

68
69 KBMI IV Group of Business Acitivies IV 69

72
73 Agregat Aggregate 73
76
77 77
78 Rentabilitas Bank Umum Syariah 4)
Profitability of Sharia Banks 4) 78
79 Return On Assets (ROA) % 1.28 1.73 1.40 1.55 2.00 2.04 2.07 2.05 2.04 2.00 2.04 2.08 2.18 2.14 2.10 2.08 … … Return On Assets (ROA) 79
80 Net Operations Margin (NOM) % 1.42 1.91 1.45 1.66 2.59 2.60 2.66 2.65 2.72 2.59 3.04 2.83 2.91 2.88 2.83 2.77 … … Net Operations Margin (NOM) 80
81 Biaya Operasional terhadap Pendapatan Operasional (BOPO) % 89.18 84.45 85.55 84.33 77.28 77.34 76.67 76.86 76.71 77.28 77.51 76.05 75.78 75.88 75.98 76.02 … … Operating Expenses towards Operational Revenue 81
82 82
83 Risiko Likuiditas 6)
Liquidity Risk 6) 83
84 Loan to Deposit Ratio Bank Umum Konvensional % 94.78 94.43 82.54 - - - - - - - - - - - - - - - Loan to Deposit Ratio of Conventional Commercial Banks 84
85 Current Account Saving Account (CASA) terhadap DPK % 55.77 56.86 57.92 - - - - - - - - - - - - - - - Current Account Saving Account (CASA) to Third Party Funds 85
86 Loan to Deposit Ratio Bank Umum Konvensional % - - - 77.13 78.78 81.22 82.05 79.90 79.60 78.78 79.34 79.80 80.51 80.84 82.13 82.76 82.90 84.19 Loan to Deposit Ratio of Conventional Commercial Banks 86
87 Current Account Saving Account (CASA) terhadap DPK % - - - 61.63 63.30 62.38 62.45 63.17 62.69 63.30 62.34 62.24 62.17 62.40 61.64 62.27 62.22 61.76 Current Account Saving Account (CASA) to Third Party Funds 87
88 88
89 Risiko Kredit 6) Credit Risk 6) 89
90 NPL Gross Agregat % 2.37 2.53 3.06 - - - - - - - - - - - - - - - Aggregate NPL, Gross 90
91 Berdasarkan Jenis Penggunaan By Type of Use 91
92 Kredit Investasi % 2.43 2.29 2.95 - - - - - - - - - - - - - - - Investment 92
93 Kredit Modal Kerja % 2.82 3.22 3.92 - - - - - - - - - - - - - - - Working Capital 93
94 Kredit Konsumsi % 1.54 1.60 1.79 - - - - - - - - - - - - - - - Consumption 94
95 Berdasarkan 10 Lapangan Usaha Utama By 10 Main Sector of Loan Recipients 95
96 Sektor Perdagangan Besar dan Eceran % 3.62 3.45 4.43 - - - - - - - - - - - - - - - Wholesale and Retail Sector 96
97 Sektor Industri Pengolahan % 2.53 3.88 4.58 - - - - - - - - - - - - - - - Manufacturing Sector 97
98 Sektor Pertanian, Perburuan, dan Kehutanan % 1.32 1.53 1.94 - - - - - - - - - - - - - - - Agriculture, Hunting and Forestry Sector 98
99 Sektor Transportasi, Pergudangan dan Komunikasi % 2.68 1.64 2.16 - - - - - - - - - - - - - - - Transportation, Storage and Communication Sector 99
100 Sektor Perantara Keuangan % 1.17 0.50 0.50 - - - - - - - - - - - - - - - Financial Intermediary Sector 100
101 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan % 1.86 2.30 3.10 - - - - - - - - - - - - - - - Real Estate, Leasing and Business Services Sector 101
102 Sektor Konstruksi % 3.14 3.55 3.45 - - - - - - - - - - - - - - - Construction, Mining and Quarrying Sector 102
103 Sektor Listrik, Gas dan Air % 1.33 0.89 1.24 - - - - - - - - - - - - - - - Electricity, Gas and Water Sector 103
104 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum % 5.53 5.56 5.39 - - - - - - - - - - - - - - - Accomodation, Food and Beverages Services 104
105 Berdasarkan Bukan Lapangan Usaha By Non-Economic Sector 105
106 a.l Rumah Tangga % 1.59 1.68 1.87 - - - - - - - - - - - - o/w Household 106
107 NPL Gross Agregat % - - - 3.00 2.44 2.88 2.78 2.72 2.65 2.44 2.59 2.58 2.49 2.53 2.52 2.44 2.51 2.47 Aggregate NPL, Gross 107
108 Berdasarkan Jenis Penggunaan By Type of Use 108
109 Kredit Investasi % - - - 2.70 1.97 2.45 2.39 2.27 2.16 1.97 2.09 2.07 1.89 1.90 1.91 1.81 1.90 1.87 Investment 109
110 Kredit Modal Kerja % - - - 3.99 3.25 3.83 3.68 3.62 3.57 3.25 3.50 3.46 3.37 3.37 3.32 3.22 3.30 3.22 Working Capital 110
111 Kredit Konsumsi % - - - 1.69 1.54 1.70 1.65 1.66 1.63 1.54 1.64 1.66 1.64 1.75 1.81 1.75 1.82 1.81 Consumption 111
112 Berdasarkan 10 Lapangan Usaha Utama By 10 Main Sector of Loan Recipients 112
113 Sektor Perdagangan Besar dan Eceran % - - - 4.08 3.61 4.21 4.08 4.03 4.01 3.61 3.94 3.95 3.83 3.83 3.88 3.57 3.85 3.90 Wholesale and Retail Sector 113
114 Sektor Industri Pengolahan % - - - 5.18 3.77 4.64 4.65 4.42 4.19 3.77 4.04 4.06 3.99 3.94 3.75 3.67 3.52 3.51 Manufacturing Sector 114
115 Sektor Pertanian, Perburuan, dan Kehutanan % - - - 1.57 1.38 1.55 1.51 1.57 1.48 1.38 1.48 1.49 1.45 1.51 1.93 1.90 1.98 1.94 Agriculture, Hunting and Forestry Sector 115
116 Sektor Transportasi, Pergudangan dan Komunikasi % - - - 2.07 1.63 1.81 1.72 1.75 1.78 1.63 1.73 1.68 1.29 1.27 1.15 1.10 1.10 1.12 Transportation, Storage and Communication Sector 116
117 Sektor Perantara Keuangan % - - - 1.30 0.74 1.00 0.95 0.82 0.86 0.74 0.77 0.68 0.59 0.57 0.56 0.55 0.57 0.51 Financial Intermediary Sector 117
118 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan % - - - 2.79 2.00 2.68 2.39 2.22 2.14 2.00 2.02 1.97 1.85 2.03 2.17 2.20 2.35 2.16 Real Estate, Leasing and Business Services Sector 118
119 Sektor Konstruksi % - - - 3.62 3.55 3.87 3.74 3.70 3.68 3.55 3.74 3.70 3.52 3.71 3.72 3.64 3.95 3.92 Construction, Mining and Quarrying Sector 119
120 Sektor Listrik, Gas dan Air % - - - 1.04 0.47 1.15 0.80 0.75 0.74 0.47 0.47 0.46 0.47 0.47 0.45 0.45 0.44 0.43 Electricity, Gas and Water Sector 120
121 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum % - - - 6.34 5.37 5.69 5.07 5.30 5.24 5.37 5.52 4.98 4.71 4.38 3.81 3.61 3.78 3.53 Accomodation, Food and Beverages Services 121
122 Sektor Perikanan % - - - 5.64 6.52 6.89 7.03 7.00 6.80 6.52 7.07 7.12 6.90 7.06 7.08 5.17 5.43 5.54 Fishery Sector 122
123 Berdasarkan Bukan Lapangan Usaha By Non-Economic Sector 123
124 a.l Rumah Tangga % - - - 1.77 1.63 1.80 1.74 1.76 1.73 1.63 1.75 1.77 1.75 1.87 1.93 1.87 1.94 1.93 o/w Household 124
125 Berdasarkan Wilayah (Dalam Negeri) By Domestic Regions 125
126 Sumatra % 2.47 2.79 2.99 2.69 2.42 2.74 2.65 2.68 2.57 2.42 2.57 2.64 2.35 2.43 2.43 2.27 2.50 2.48 Sumatra 126
127 Jawa % 2.32 2.51 3.21 3.22 2.54 2.98 2.89 2.81 2.76 2.54 2.70 2.68 2.61 2.63 2.63 2.57 2.61 2.57 Jawa 127
128 Bali & Nusa Tenggara % 2.11 2.18 1.83 1.90 1.94 2.66 2.28 2.24 2.12 1.94 2.09 2.09 2.09 2.10 2.01 1.77 1.83 1.75 Bali & Nusa Tenggara 128
129 Kalimantan % 3.16 2.76 3.07 2.68 2.41 2.81 2.74 2.76 2.62 2.41 2.30 2.31 2.19 2.25 2.25 2.14 2.26 2.13 Kalimantan 129
130 Sulawesi % 3.00 3.05 2.52 2.84 2.32 2.95 2.83 2.82 2.66 2.32 2.54 2.58 2.47 2.56 2.59 2.44 2.67 2.67 Sulawesi 130
131 Maluku & Papua % 2.27 2.04 1.92 2.26 2.30 2.83 2.64 2.67 2.55 2.30 2.57 2.63 2.47 2.64 2.75 2.46 2.47 2.47 Maluku & Papua 131
132 Emiten LQ 45 5) (Dengan Pembagian 9 Sektor Ekonomi) LQ 45 Companies 5) 132
133 a.l. Sektor Konstruksi % - - - - - - - - - - - - - - - - - - o/w Construction Sector 133
134 Sektor Jasa-jasa Dunia Usaha % - - - - - - - - - - - - - - - - - - Business Services Sector 134
135 Sektor Jasa-jasa Sosial Masyarakat % - - - - - - - - - - - - - - - - - - Social Services Sector 135
136
136 100 Debitur Korporasi Terbesar (Dengan Pembagian 9 Sektor Ekonomi) 100 Largest Corporate Debtors
137 Sektor Perdagangan, Hotel, dan Restoran % - - - - - - - - - - - - - - - - - - Trade, Hotel and Restaurant Sector 137
138 Sektor Perindustrian % - - - - - - - - - - - - - - - - - - Industrial Sector 138
139 Sektor Jasa Dunia Usaha % - - - - - - - - - - - - - - - - - - Business Services Sector 139
140
140 Sektor Pertanian, Perburuan dan Sarana Pertanian % - - - - - - - - - - - - - - - - - - Agriculture, Hunting and Forestry
141
141 Sektor Pengangkutan, Pergudangan dan Komunikasi % - - - - - - - - - - - - - - - - - - Transportation, Storage and Communication Sector
142 Sektor Jasa-jasa Sosial Masyarakat % - - - - - - - - - - - - - - - - - - Social Services Sector 142

143 Sektor Konstruksi % - - - - - - - - - - - - - - - - - - Construction Sector 143
144 Sektor Pertambangan % - - - - - - - - - - - - - - - - - - Mining Sector 144
145 Sektor Listrik, Gas dan Air % - - - - - - - - - - - - - - - - - - Electricity, Gas and Water Sector 145
146
146 Emiten LQ 45 5) (Dengan Pembagian 18 Sektor Ekonomi) LQ 45 Companies (by 18 Main Sectors)
147 a.l.Sektor Perdagangan Besar dan Eceran % 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 … … … o/w Wholesale and Retail Sector 147
148 Sektor Real Estate, Usaha Persewaan, dan Jasa Perusahaan % 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 … … … Real Estate, Leasing and Business Services Sector 148
149 Kegiatan yang Belum Jelas Batasannya % 0.09 0.08 2.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 … … … Activities without Clear Category 149
150 Pertanian, Perburuan, dan Kehutanan % 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 … … … Agricultures, Hunting, and Forestry Sector 150
151
151 100 Debitur Korporasi Terbesar (Dengan Pembagian 18 Sektor Ekonomi) 100 Largest Corporate Debtors
5
2022 2023
152 Pertanian, Perburuan dan Kehutanan % 0.51 1.40 1.81 0.56 1.44 1.46 1.43 1.46 1.45 1.44 1.52 1.41 1.51 1.54 2.95 … … … Agriculture, Hunting and Forestry Sector 152
153 Perikanan % 9.33 17.36 13.25 29.99 27.39 27.81 28.52 28.02 27.45 27.39 28.16 27.35 27.64 29.26 27.98 … … … Fishery Sector 153
154 Pertambangan dan Penggalian % 6.72 10.17 6.76 4.55 1.94 2.24 2.15 1.96 2.00 1.94 1.97 2.15 1.65 1.70 1.49 … … … Mining and Quarrying Sector 154
155 Industri Pengolahan % 0.84 6.03 5.13 7.94 5.25 5.22 5.23 5.25 5.25 5.25 5.24 5.12 5.39 5.26 5.07 … … … Manufacturing Sector 155
156 Listrik, Gas dan Air % 2.84 2.02 1.06 1.60 0.40 0.77 0.73 0.73 0.73 0.40 0.14 0.14 1.04 1.05 1.02 … … … Electricity, Gas and Water Sector 156
157 Konstruksi % 2.94 2.51 0.27 0.53 0.28 0.42 0.44 0.42 0.42 0.28 0.28 0.27 0.25 0.25 0.25 … … … Construction Sector 157
158 Perdagangan Besar dan Eceran % 6.36 9.12 5.45 5.54 2.61 2.35 2.62 2.49 2.76 2.61 2.19 2.19 2.34 1.82 1.66 … … … Wholesale and Retail Sector 158
159 Penyediaan Akomodasi dan Makan Minum % 9.45 10.02 6.60 9.87 8.07 7.73 7.18 7.11 7.17 8.07 7.87 5.87 5.85 5.71 3.60 … … … Provision of Accomodation and Water Supply Sector 159
160 Transportasi, Pergudangan, dan Komunikasi % 3.45 5.27 1.51 2.19 1.16 1.23 1.17 1.18 1.19 1.16 1.21 1.20 0.50 0.48 0.45 … … … Transportation, Storage and Communication Sector 160
161 Perantara Keuangan % 1.10 1.80 0.36 1.36 0.47 0.61 0.62 0.75 0.51 0.47 0.48 0.40 0.37 0.36 0.36 … … … Financial Intermediary Sector 161
162 Real Estate, Usaha Persewaan, dan Jasa Perusahaan % 0.65 2.68 1.17 0.62 0.64 0.67 0.66 0.67 0.66 0.64 0.61 0.60 0.58 0.56 0.58 … … … Real Estate, Leasing and Business Services Sector 162
163 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib % 0.21 0.24 0.13 0.29 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 … … … General Government, Defense and Mandatory Social Security Secto 163
164 Jasa Pendidikan % 0.42 1.16 1.65 1.65 0.00 0.36 0.33 0.33 0.00 0.00 0.16 0.94 1.52 1.48 1.41 … … … Education Services Sector 164
165 Jasa Kesehatan dan Kegiatan Sosial % 2.04 1.56 1.45 0.00 0.03 0.02 0.00 0.00 0.03 0.03 0.03 0.03 0.03 0.03 0.03 … … … Healthcare Services and Social Activities Sector 165
166 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya % 4.29 3.83 2.94 1.62 2.01 1.99 1.84 2.01 2.11 2.01 1.83 1.53 1.34 1.41 1.27 … … … Social Services, Socio-cultural, Entertainment Services and other P 166
167 Jasa Perorangan yang Melayani Rumah Tangga % 19.63 22.80 0.29 3.60 1.30 5.90 5.84 5.11 5.17 1.30 2.67 2.20 2.14 2.25 2.09 … … … Other Personal Service Activities 167
168 Badan Internasional dan Badan Ekstra Internasional Lainnya % 2.74 3.39 0.01 - 0.73 2.33 2.22 2.05 1.76 0.73 0.80 0.80 1.07 0.00 0.25 … … … International Organizations and Other Extraterritorial Bodies 168
169 Kegiatan yang Belum Jelas Batasannya % 1.66 3.16 6.87 3.90 0.50 0.56 0.34 0.49 0.50 0.50 0.62 0.62 0.55 0.56 0.62 … … … Activities without Clear Category 169
170 170
171 Penyaluran Dana Assets Portfolio 171
172 Penempatan pada BI Rp Miliar/ Billions of Rp 767,134 766,781 775,395 1,146,356 1,293,578 967,534 982,898 1,190,872 1,113,744 1,293,578 1,097,911 1,079,990 1,090,396 1,020,490 946,654 968,781 924,596 … Placement at Bank Indonesia 172
173 Penempatan pada Bank Lain Rp Miliar/ Billions of Rp 220,990 245,271 252,800 223,134 245,442 253,469 237,638 230,981 242,319 245,442 267,471 246,393 238,800 296,255 242,412 232,940 230,154 … Placement at Other Banks 173
174 Surat Berharga Rp Miliar/ Billions of Rp 941,936 1,012,695 1,466,904 1,830,962 1,863,495 1,811,093 1,823,656 1,845,763 1,869,531 1,863,495 1,889,286 1,955,704 1,923,808 1,871,421 1,835,865 1,835,591 1,869,946 … Marketable Securities 174
175 Kredit yang Diberikan Rp Miliar/ Billions of Rp 5,358,012 5,683,757 5,547,618 5,820,636 6,497,620 6,240,687 6,337,684 6,400,561 6,417,976 6,497,620 6,382,835 6,445,815 6,516,518 6,534,780 6,644,325 6,723,224 6,751,633 … Extended Credits 175
176 Lainnya Rp Miliar/ Billions of Rp 521,915 572,307 1,055,418 1,093,047 1,165,605 1,128,504 1,119,269 1,148,840 1,233,945 1,165,605 1,268,456 1,201,077 1,155,039 1,128,971 1,189,929 1,201,631 1,191,726 … Others 176
177 177
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178 Portofolio Kewajiban Liabilities Portfolio 178
179 a.l.Dana Pihak Ketiga Rp Miliar/ Billions of Rp 5,630,448 5,998,648 6,665,390 7,479,463 8,153,590 7,608,401 7,647,334 7,927,036 7,974,132 8,153,590 7,953,823 7,988,710 8,005,579 7,996,571 8,007,690 8,042,101 8,064,492 8,082,870 o/w Third Party Funds 179
180 Kewajiban kepada Bank Indonesia Rp Miliar/ Billions of Rp 2,797 2,147 6,011 1,672 2,127 876 2,306 1,002 1,568 2,127 4,196 2,436 4,108 5,751 6,895 17,387 12,649 … Obligations to Bank Indonesia 180
181 Kewajiban kepada Bank Lain Rp Miliar/ Billions of Rp 192,555 197,517 176,681 160,594 173,399 170,643 164,217 165,835 156,551 173,399 171,284 159,970 164,724 183,279 172,111 183,223 178,362 … Obligations to Other Banks 181
182 Surat Berharga yang Diterbitkan Rp Miliar/ Billions of Rp 115,129 135,029 125,079 117,684 115,117 109,004 110,978 111,393 112,635 115,117 108,827 106,679 103,602 105,205 105,921 108,267 103,232 … Marketable Securities Issued 182
183 Pinjaman yang Diterima Rp Miliar/ Billions of Rp 296,746 299,055 270,036 227,554 293,291 248,790 274,223 285,620 292,296 293,291 279,789 278,649 273,001 260,678 256,521 262,494 257,779 … Loans Received 183
184 184
185 Kredit yang Diberikan Loans 185
186 Total Kredit yang Diberikan Rp Miliar/ Billions of Rp 5,358,012 5,683,757 5,547,618 5,820,636 6,497,620 6,240,687 6,337,684 6,400,561 6,417,976 6,497,620 6,382,835 6,445,815 6,516,518 6,534,780 6,644,325 6,723,224 6,751,633 6,804,986 Total Loans 186
187 Berdasarkan Jenis Valuta Rp Miliar/ Billions of Rp 5,358,012 5,683,757 5,547,618 5,820,636 6,497,620 6,240,687 6,337,684 6,400,561 6,417,976 6,497,620 6,382,835 6,445,815 6,516,518 6,534,780 6,644,325 6,723,224 6,751,633 6,804,986 By Type of Currency 187
188 Rupiah Rp Miliar/ Billions of Rp 4,535,707 4,878,763 4,776,163 4,997,310 5,533,094 5,308,074 5,384,264 5,427,522 5,445,195 5,533,094 5,471,037 5,509,560 5,593,078 5,630,007 5,696,995 5,775,485 5,806,486 5,841,295 Rupiah 188
189 Valas Rp Miliar/ Billions of Rp 822,305 804,994 771,455 823,326 964,526 932,613 953,421 973,038 972,781 964,526 911,797 936,255 923,440 904,774 947,330 947,739 945,147 963,691 Foreign Reserves 189
190 Kepada Bank Lain Rp Miliar/ Billions of Rp 63,130 66,766 66,058 52,051 74,057 61,233 62,784 67,055 70,504 74,057 71,956 70,495 71,060 70,230 67,249 67,208 66,127 65,591 To Other Bank 190
191 Kepada Pihak Ketiga Rp Miliar/ Billions of Rp 5,294,882 5,616,992 5,481,560 5,768,585 6,423,564 6,179,454 6,274,901 6,333,506 6,347,472 6,423,564 6,310,879 6,375,320 6,445,457 6,464,551 6,577,076 6,656,016 6,685,506 6,739,395 To Third Party 191
192 Berdasarkan Jenis Penggunaan Rp Miliar/ Billions of Rp 5,294,882 5,616,992 5,481,560 5,768,585 6,423,564 6,179,454 6,274,901 6,333,506 6,347,472 6,423,564 6,310,879 6,375,320 6,445,457 6,464,551 6,577,076 6,656,016 6,685,506 6,739,395 By Type of Use 192
193 Kredit Investasi Rp Miliar/ Billions of Rp 1,308,747 1,481,226 1,468,687 1,527,639 1,710,944 1,634,410 1,653,465 1,693,843 1,719,862 1,710,944 1,712,623 1,744,225 1,733,481 1,730,769 1,775,929 1,792,719 1,803,106 1,818,276 Investment Credit 193
194 Kredit Modal Kerja Rp Miliar/ Billions of Rp 2,512,476 2,576,497 2,465,419 2,621,250 2,940,289 2,843,725 2,892,088 2,905,465 2,877,196 2,940,289 2,827,709 2,849,022 2,914,884 2,930,855 2,986,270 3,035,026 3,039,719 3,060,968 Working Capital Credit 194
195 Kredit Konsumsi Rp Miliar/ Billions of Rp 1,473,659 1,559,269 1,547,454 1,619,696 1,772,331 1,701,319 1,729,347 1,734,198 1,750,414 1,772,331 1,770,547 1,782,073 1,797,093 1,802,927 1,814,877 1,828,271 1,842,681 1,860,151 Consumption Credit 195
196 Berdasarkan 10 Lapangan Usaha Utama Rp Miliar/ Billions of Rp 3,526,026 3,744,145 3,625,417 3,798,139 4,185,196 4,045,566 4,108,086 4,138,622 4,136,759 4,185,196 4,088,858 4,129,445 4,166,620 4,179,633 4,251,776 4,312,509 4,325,790 4,347,169 By 10 Main Sector Loan Recipients (Excludes Household) 196
197 Sektor Perdagangan Besar dan Eceran Rp Miliar/ Billions of Rp 975,995 1,006,069 942,188 974,420 1,043,912 1,035,029 1,047,692 1,050,979 1,040,988 1,043,912 1,019,433 1,032,812 1,052,203 1,054,635 1,066,840 1,083,328 1,091,229 1,100,822 Wholesale and Retail Sector 197
198 Sektor Industri Pengolahan Rp Miliar/ Billions of Rp 899,088 931,727 893,642 951,109 1,067,006 1,030,562 1,047,501 1,058,879 1,054,606 1,067,006 1,036,066 1,040,278 1,034,107 1,037,664 1,051,679 1,060,255 1,060,754 1,065,125 Manufacturing Sector 198
199 Sektor Pertanian, Perburuan, dan Kehutanan Rp Miliar/ Billions of Rp 354,878 369,903 385,586 415,515 458,325 442,754 447,333 446,814 454,514 458,325 454,388 459,030 462,302 462,743 472,226 473,708 480,081 482,862 Agriculture, Hunting and Forestry Sector 199
200 Sektor Transportasi, Pergudangan dan Komunikasi Rp Miliar/ Billions of Rp 217,323 246,935 266,189 306,242 313,052 310,854 318,996 314,849 313,011 313,052 309,489 313,610 303,265 314,545 334,331 343,185 341,978 339,110 Transportation, Storage and Communication Sector 200
201 Sektor Perantara Keuangan Rp Miliar/ Billions of Rp 244,486 249,782 216,297 224,714 305,787 274,756 271,875 279,848 283,827 305,787 292,814 300,181 318,211 319,276 330,277 334,369 327,650 331,949 Financial Intermediary Sector 201
202
202 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan Rp Miliar/ Billions of Rp 248,218 269,360 259,978 265,315 314,584 288,549 304,672 305,043 308,634 314,584 312,527 315,989 318,857 318,087 323,520 334,332 338,723 340,681 Real Estate, Leasing and Business Services Sector
203 Sektor Konstruksi Rp Miliar/ Billions of Rp 316,097 362,271 376,473 380,381 396,583 379,698 386,860 397,467 397,398 396,583 384,669 387,734 403,520 403,946 395,678 403,108 400,445 394,052 Construction, Mining and Quarrying Sector 203
204 Sektor Listrik, Gas dan Air Rp Miliar/ Billions of Rp 170,190 198,255 168,881 159,701 162,327 159,702 160,558 161,030 160,352 162,327 157,131 157,881 151,456 146,492 154,847 157,303 162,151 165,189 Electricity, Gas and Water Sector 204
205
205 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum Rp Miliar/ Billions of Rp 99,751 109,842 116,183 120,741 123,620 123,661 122,600 123,714 123,430 123,620 122,341 121,930 122,699 122,245 122,378 122,921 122,778 127,380 Accomodation, Food and Beverages Services
206 Berdasarkan Bukan Lapangan Usaha By Non-economy Sector 206

207 a.l Rumah Tangga Rp Miliar/ Billions of Rp - 1,319,340 1,320,209 1,384,709 1,524,479 1,462,032 1,486,172 1,490,832 1,505,247 1,524,479 1,522,334 1,531,981 1,546,488 1,551,772 1,563,550 1,574,032 1,586,016 1,601,048 o/w Household 207
208 Berdasarkan Wilayah (Dalam Negeri) Rp Miliar/ Billions of Rp 5,221,348 5,529,840 5,380,702 5,644,265 6,271,629 6,049,694 6,141,115 6,197,094 6,198,593 6,271,629 6,166,436 6,229,695 6,305,153 6,329,774 6,437,102 6,510,426 6,537,840 6,652,050 By Domestic Regions 208
209 Sumatra Rp Miliar/ Billions of Rp 607,751 634,942 634,939 646,990 694,496 678,984 686,370 687,013 688,230 694,496 684,726 686,529 696,111 701,326 709,352 715,980 719,037 735,507 Sumatra 209
210 Jawa Rp Miliar/ Billions of Rp 3,986,616 4,220,909 4,053,157 4,257,665 4,774,170 4,598,135 4,672,080 4,719,656 4,713,012 4,774,170 4,686,609 4,737,821 4,792,789 4,812,891 4,904,980 4,961,092 4,979,104 5,063,074 Jawa 210
211 Bali & Nusa Tenggara Rp Miliar/ Billions of Rp 142,403 158,450 166,781 173,855 180,852 180,403 181,080 182,179 183,329 180,852 179,181 180,760 180,969 181,046 182,721 186,463 188,590 193,802 Bali & Nusa Tenggara 211
212 Kalimantan Rp Miliar/ Billions of Rp 200,659 212,883 213,924 228,976 252,651 241,508 244,075 246,543 248,476 252,651 250,059 255,188 259,490 258,545 261,520 264,083 264,892 268,602 Kalimantan 212
213 Sulawesi Rp Miliar/ Billions of Rp 225,144 237,593 244,080 264,940 290,061 274,134 280,084 283,452 286,513 290,061 287,328 289,680 294,562 294,598 296,522 299,821 302,516 306,451 Sulawesi 213
214 Maluku & Papua Rp Miliar/ Billions of Rp 58,775 65,062 67,820 71,839 79,398 76,530 77,425 78,251 79,032 79,398 78,531 79,717 81,231 81,368 82,008 82,986 83,701 84,615 Maluku & Papua 214
215 Kredit kepada Emiten LQ 45 (Dengan Pembagian 9 Sektor Ekonomi) Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Credit to LQ 45 Companies 215
216 Sektor Pertanian, Perburuan dan Sarana Pertanian Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Agriculture, Hunting, and Agricultural Infrastructure Sector 216
217 Sektor Pertambangan Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Mining Sector 217
218 Sektor Perindustrian Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Industrial Sector 218
219 Sektor Listrik, Gas dan Air Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Electricity, Gas and Water Sector 219
220 Sektor Konstruksi Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Construction Sector 220
221 Sektor Perdagangan, Restoran dan Hotel Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Trade, Restaurant and Hotel Sector 221
222 Sektor Pengangkutan, Pergudangan dan Komunikasi Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Transportation, Warehouse and Communication Sector 222
223 Sektor Jasa-jasa Dunia Usaha Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Business Services Sector 223
224 Sektor Jasa-jasa Sosial Masyarakat Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Social Services Sector 224
225 Sektor Lain-lain Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Other Sector 225
226 Kredit kepada Emiten LQ 45 (Dengan Pembagian 18 Sektor Ekonomi) Rp Miliar/ Billions of Rp 195,211 210,221 193,638 166,032 190,986 197,577 198,613 194,711 198,121 190,986 181,437 170,897 172,251 172,278 180,664 … … … Credits to LQ 45 Companies 226
227 Pertanian, Perburuan dan Kehutanan Rp Miliar/ Billions of Rp 51.39 3,017 918 780 2,126 2,178 2,812 2,506 2,468 2,126 2,356 2,591 3,393 3,323 3,638 … … … Agriculture, Hunting and Forestry Sector 227
228 Perikanan Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - … … … Fishery Sector 228
229 Pertambangan dan Penggalian Rp Miliar/ Billions of Rp 12,188 11,004 5,575 8,916 8,779 10,298 7,259 7,594 8,794 8,779 8,437 10,177 7,888 7,345 7,986 … … … Mining and Quarrying Sector 229
230 Industri Pengolahan Rp Miliar/ Billions of Rp 64,772 79,082 68,422 56,240 78,202 75,373 78,596 74,427 78,861 78,202 72,126 73,646 72,302 71,589 76,933 … … … Manufacturing Sector 230
231 Listrik, Gas dan Air Rp Miliar/ Billions of Rp 267 2,270 - - 83 110 110 83 83 83 55 55 55 - 4,497 … … … Electricity, Gas and Water Sector 231
232 Konstruksi Rp Miliar/ Billions of Rp 48,200 34,645 43,439 38,131 42,439 44,684 45,150 45,260 43,636 42,439 42,293 31,445 32,375 32,375 32,375 … … … Construction Sector 232
233 Perdagangan Besar dan Eceran Rp Miliar/ Billions of Rp 10,031 15,027 11,360 4,754 3,083 3,877 3,789 3,985 3,029 3,083 3,596 1,970 1,857 2,114 2,249 … … … Wholesale and Retail Sector 233
234 Penyediaan Akomodasi dan Makan Minum Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - … … … Provision of Accomodation and Water Supply Sector 234
235 Transportasi, Pergudangan, dan Komunikasi Rp Miliar/ Billions of Rp 14,714 17,664 21,591 21,429 22,733 29,522 28,872 28,749 28,399 22,733 19,372 19,627 21,754 22,638 22,410 … … … Transportation, Storage and Communication Sector 235
236 Perantara Keuangan Rp Miliar/ Billions of Rp 22,064 20,186 11,134 18,103 32,409 30,513 31,009 30,755 31,561 32,409 32,052 31,079 32,321 32,590 30,312 … … … Financial Intermediary Sector 236
237 Real Estate, Usaha Persewaan, dan Jasa Perusahaan Rp Miliar/ Billions of Rp 5,111 5,496 9,992 7,532 45 19 33 19 45 45 45 - - - - … … … Real Estate, Leasing and Business Services Sector 237
238 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - … … … General Government, Defense and Mandatory Social Security Secto 238
239 Jasa Pendidikan Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - … … … Education Services Sector 239
240 Jasa Kesehatan dan Kegiatan Sosial Rp Miliar/ Billions of Rp 3.36 1.83 0.26 - - - - - - - - - - - - … … … Healthcare Services and Social Activities Sector 240
241 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya Rp Miliar/ Billions of Rp 11,367 15,705 21,205 10,137 306 107 96 308 310 306 306 218 218 218 218 … … … Social Services, Socio-cultural, Entertainment Services and other P 241
242 Jasa Perorangan yang Melayani Rumah Tangga Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - … … … Other Personal Service Activities 242
243 Badan Internasional dan Badan Ekstra Internasional Lainnya Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - … … … International Organizations and Other Extraterritorial Bodies 243
244 Kegiatan yang Belum Jelas Batasannya Rp Miliar/ Billions of Rp 6,441 6,125 2 9.3 783 895 887 1,025 936 783 799 88 88 87 45 … … … Activities without Clear Category 244
245 Kredit kepada 100 Debitur Korporasi Terbesar (Dengan Pembagian 9 Sekto Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Credit to 100 Largest Corporate Debtors 245
246 Sektor Pertanian, Perburuan dan Sarana Pertanian Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Agriculture, Hunting, and Agricultural Infrastructure Sector 246
247 Sektor Pertambangan Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Mining Sector 247
248 Sektor Perindustrian Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Industrial Sector 248
249 Sektor Listrik, Gas dan Air Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Electricity, Gas and Water Sector 249
250 Sektor Konstruksi Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Construction Sector 250
251 Sektor Perdagangan, Restoran dan Hotel Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Trade, Restaurant and Hotel Sector 251
252 Sektor Pengangkutan, Pergudangan dan Komunikasi Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Transportation, Warehouse and Communication Sector 252
253 Sektor Jasa-jasa Dunia Usaha Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Business Services Sector 253
254 Sektor Jasa-jasa Sosial Masyarakat Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Social Services Sector 254
255 Sektor Lain-lain Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Other Sector 255
256 100 Debitur Korporasi Terbesar (Dengan Pembagian 18 Sektor Ekonomi) Rp Miliar/ Billions of Rp 1,528,694 1,740,678 1,778,146 1,694,585 1,975,788 1,873,796 1,919,884 1,958,577 1,943,582 1,975,788 1,929,623 1,968,679 2,068,766 2,060,902 2,146,745 … … … 100 Largest Corporate Debtors 256
257 Pertanian, Perburuan dan Kehutanan Rp Miliar/ Billions of Rp 127,976 126,153 132,549 124,372 120,181 118,469 120,758 118,647 119,054 120,181 118,933 122,725 118,721 116,774 121,092 … … … Agriculture, Hunting and Forestry Sector 257
258 Perikanan Rp Miliar/ Billions of Rp 5,419 5,729 6,236 5,850 5,724 5,618 5,522 5,636 5,730 5,724 5,603 5,697 5,698 5,628 5,906 … … … Fishery Sector 258
259 Pertambangan dan Penggalian Rp Miliar/ Billions of Rp 115,520 121,692 114,685 124,420 196,102 182,183 181,310 203,876 196,265 196,102 186,439 197,251 209,574 192,338 225,043 … … … Mining and Quarrying Sector 259
260 Industri Pengolahan Rp Miliar/ Billions of Rp 292,139 309,917 354,120 334,917 376,430 360,009 371,646 374,612 369,648 376,430 368,573 378,806 375,209 380,208 397,272 … … … Manufacturing Sector 260
261 Listrik, Gas dan Air Rp Miliar/ Billions of Rp 157,527 201,608 164,408 143,783 149,418 147,321 151,504 152,823 153,144 149,418 149,355 149,929 155,783 153,693 157,929 … … … Electricity, Gas and Water Sector 261
262 Konstruksi Rp Miliar/ Billions of Rp 148,300 188,812 238,408 225,912 245,297 231,589 234,118 242,763 244,487 245,297 244,132 246,591 270,893 270,541 270,131 … … … Construction Sector 262
263 Perdagangan Besar dan Eceran Rp Miliar/ Billions of Rp 130,479 133,818 123,295 105,850 120,892 131,754 133,482 139,022 128,589 120,892 117,216 117,186 117,164 117,337 125,503 … … … Wholesale and Retail Sector 263
264 Penyediaan Akomodasi dan Makan Minum Rp Miliar/ Billions of Rp 33,119 37,743 40,730 39,561 35,273 34,982 35,292 35,661 35,350 35,273 36,037 35,547 35,681 35,127 33,933 … … … Provision of Accomodation and Water Supply Sector 264
265 Transportasi, Pergudangan, dan Komunikasi Rp Miliar/ Billions of Rp 109,194 136,899 169,635 190,253 199,409 192,431 198,087 196,214 195,265 199,409 191,539 192,373 197,643 207,081 219,542 … … … Transportation, Storage and Communication Sector 265
266 Perantara Keuangan Rp Miliar/ Billions of Rp 212,038 242,578 237,310 216,136 336,238 294,641 294,752 305,123 311,134 336,238 321,773 328,168 350,359 351,005 359,406 … … … Financial Intermediary Sector 266
267 Real Estate, Usaha Persewaan, dan Jasa Perusahaan Rp Miliar/ Billions of Rp 86,367 99,155 109,150 107,839 121,007 109,968 115,815 116,846 118,396 121,007 121,768 124,674 126,226 126,802 126,051 … … … Real Estate, Leasing and Business Services Sector 267
268 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib Rp Miliar/ Billions of Rp 11,531 15,100 2,530 1,096 5,136 1,774 2,645 2,781 3,310 5,136 4,946 4,806 35,866 35,577 35,436 … … … General Government, Defense and Mandatory Social Security Secto 268
269 Jasa Pendidikan Rp Miliar/ Billions of Rp 5,406 6,714 7,587 7,567 6,846 7,005 6,922 6,924 6,938 6,846 5,851 8,002 8,184 8,293 8,614 … … … Education Services Sector 269
270 Jasa Kesehatan dan Kegiatan Sosial Rp Miliar/ Billions of Rp 9,739 17,025 15,111 14,462 15,054 14,081 14,252 14,276 14,717 15,054 15,730 14,882 15,094 15,470 15,954 … … … Healthcare Services and Social Activities Sector 270
271 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya Rp Miliar/ Billions of Rp 24,607 35,841 43,067 38,938 25,346 26,121 28,175 25,591 24,184 25,346 27,551 27,784 30,918 29,409 30,743 … … … Social Services, Socio-cultural, Entertainment Services and other P 271
272 Jasa Perorangan yang Melayani Rumah Tangga Rp Miliar/ Billions of Rp 188 211 260 227 229 203 204 204 201 229 170 206 256 241 257 … … … Other Personal Service Activities 272
273 Badan Internasional dan Badan Ekstra Internasional Lainnya Rp Miliar/ Billions of Rp 950 800 381 389 797 680 711 767 797 797 730 724 705 683 675 … … … International Organizations and Other Extraterritorial Bodies 273
274 Kegiatan yang Belum Jelas Batasannya Rp Miliar/ Billions of Rp 58,193 60,884 18,686 13,011 16,407 14,968 24,689 16,811 16,372 16,407 13,278 13,327 14,794 14,698 13,258 … … … Activities without Clear Category 274
275 275
276 Dana Pihak Ketiga Third Party Funds 276
277 Total Dana Pihak Ketiga Rp Miliar/ Billions of Rp 5,630,448 5,998,648 6,665,390 7,479,463 8,153,590 7,608,401 7,647,334 7,927,036 7,974,132 8,153,590 7,953,823 7,988,709 8,005,579 7,996,571 8,007,690 8,042,101 8,064,491 8,082,870 Total Third Party Funds 277
278 Berdasarkan Jenis Dana Pihak Ketiga By Type of Third Party Funds 278
279 Giro Rp Miliar/ Billions of Rp 1,315,034 1,465,848 1,687,135 2,143,505 2,546,160 2,231,301 2,250,347 2,492,142 2,454,127 2,546,160 2,418,295 2,439,538 2,435,690 2,401,282 2,362,764 2,415,360 2,423,913 2,410,149 Demand Deposits 279
280 Tabungan Rp Miliar/ Billions of Rp 1,825,259 1,945,185 2,173,501 2,432,260 2,615,185 2,514,887 2,525,287 2,515,148 2,544,965 2,615,185 2,539,797 2,532,409 2,541,308 2,588,290 2,572,971 2,592,815 2,593,563 2,581,953 Saving Accounts 280
281 Deposito Rp Miliar/ Billions of Rp 2,490,155 2,587,615 2,804,755 2,903,698 2,992,245 2,862,213 2,871,700 2,919,746 2,975,040 2,992,245 2,995,731 3,016,762 3,028,580 3,006,999 3,071,955 3,033,926 3,047,015 3,090,768 Time Deposits 281
282 Berdasarkan Jenis Valuta By Type of Currency 282
283 Rupiah Rp Miliar/ Billions of Rp 4,825,128 5,164,773 5,756,007 6,442,601 6,907,838 6,500,459 6,523,285 6,758,119 6,745,172 6,907,838 6,720,958 6,716,043 6,729,253 6,787,370 6,837,944 6,877,179 6,875,935 6,884,367 Rupiah 283
284 Valuta Asing Rp Miliar/ Billions of Rp 805,320 833,875 909,383 1,036,861 1,245,752 1,107,942 1,124,049 1,168,917 1,228,960 1,245,752 1,232,865 1,272,667 1,276,326 1,209,201 1,169,746 1,164,922 1,188,557 1,198,503 Foreign Currencies 284
285 285
286 Total Pendapatan Operasional Bank Umum Konvensional Rp Miliar/ Billions of Rp 820,646 926,303 981,650 1,064,432 1,186,632 722,733 843,702 943,918 1,041,967 1,186,632 198,329 278,497 367,600 465,715 548,116 660,681 786,449 … Total Operating Income of Conventional Commercial Banks 286
287 Total Beban Operasional Bank Umum Konvensional Rp Miliar/ Billions of Rp 638,990 735,429 849,954 889,655 933,289 554,235 651,004 731,744 807,589 933,289 170,701 228,353 291,724 366,072 425,060 510,955 609,884 … Total Operating Expenses of Conventional Commercial Banks 287
288 288
289 Total Pendapatan Operasional Bank Umum Syariah Rp Miliar/ Billions of Rp 34,952 36,014 35,548 38,969 42,657 28,001 31,582 35,264 38,559 42,657 4,039 7,651 12,051 15,925 19,571 23,414 … … Total Operating Income of Sharia Commercial Banks 289
290 Total Beban Operasional Bank Umum Syariah Rp Miliar/ Billions of Rp 31,169 30,415 30,410 32,861 32,966 21,656 24,215 27,102 29,579 32,966 3,130 5,819 9,132 12,083 14,870 17,799 … … Total Operating Expenses of Sharia Commercial Banks 290
291 291
292 Suku Bunga Rata-rata Tertimbang Rupiah Weighted Average Rupiah Interest Rate 292
293 Giro % 2.20 2.27 1.91 1.71 1.91 1.62 1.64 1.69 1.75 1.91 1.92 1.91 1.92 1.92 1.97 1.98 1.96 2.01 Demand Deposits 293
294 Tabungan % 1.31 1.17 0.86 0.69 0.67 0.65 0.66 0.67 0.67 0.67 0.67 0.67 0.69 0.67 0.67 0.67 0.67 0.66 Saving Accounts 294
295 Deposito 1 bulan % 6.92 6.02 4.22 2.92 3.95 2.87 2.97 3.36 3.69 3.95 4.00 4.18 4.20 4.18 4.19 4.19 4.24 4.58 Term Deposits (1 month) 295
296 Kredit Credit 296
297 Kredit Konsumsi % 11.73 11.62 10.97 10.53 10.36 10.24 10.24 10.41 10.38 10.36 10.38 10.39 10.39 10.37 10.35 10.29 10.27 10.25 Consumption 297
298 Kredit Investasi % 10.38 9.90 8.88 8.35 8.51 8.15 8.18 8.26 8.34 8.51 8.62 8.72 8.80 8.84 8.85 8.82 8.84 8.83 Investment 298
299 Kredit Modal Kerja % 10.37 10.09 9.21 8.63 8.60 8.42 8.46 8.58 8.60 8.60 8.75 8.89 8.95 8.92 8.93 8.93 8.95 8.93 Working Capital 299
300 Suku Bunga Rata-rata Tertimbang Valas Weighted Average Foreign Exchange Interest Rate 300
301 Giro % 0.50 0.78 0.42 0.17 1.01 0.27 0.41 0.57 0.78 1.01 1.00 1.08 1.03 0.98 0.97 1.11 1.13 1.27 Demand Deposits 301
302 Tabungan % 0.45 0.43 0.28 0.17 0.43 0.22 0.25 0.34 0.34 0.43 0.49 0.57 0.71 0.73 0.73 0.58 0.66 0.69 Saving Accounts 302
303 Deposito 1 bulan % 2.11 2.09 0.72 0.37 2.74 1.12 1.50 2.00 2.42 2.74 2.86 2.88 3.00 2.92 3.00 3.05 3.25 3.48 Term Deposits (1 month) 303
304 Kredit Credit 304
305 Kredit Konsumsi % 3.59 6.36 4.06 3.71 6.21 4.28 4.31 4.48 4.46 6.21 6.27 6.28 6.43 6.70 6.65 6.34 6.45 6.44 Consumption 305
306 Kredit Investasi % 5.30 4.85 3.74 3.69 6.16 4.72 5.33 5.49 5.87 6.16 6.28 6.37 6.53 6.60 6.67 6.73 6.78 6.87 Investment 306
307 Kredit Modal Kerja % 4.34 4.35 3.45 3.03 5.51 4.11 4.56 4.80 5.12 5.51 5.56 5.61 5.67 5.69 5.81 5.94 6.04 6.10 Working Capital 307
Keterangan: Notes:
- Data pendapatan dan beban merupakan data akumulatif sampai dengan periode bersangkutan. - Data on income and expenses are accumulated up to end of respective period
1)
Terdiri dari Bank Umum Konvensional (termasuk UUS) dan Bank Umum Syariah, kecuali dinyatakan lain. Including Conventional and Sharia Commercial Banks, unless stated otherwise
1)
2)
Aset perbankan termasuk aset BPR dan total aset sektor keuangan tidak termasuk aset bank sentral. Angka terkini merupakan 2)
Banking Assets including Rural Bank Assets and Total Financial Sectors Assets
angka sementara. excluding Central Bank Assets
3)
Sejak Juni 2014 berlaku ketentuan baru mengenai RBBR Syariah termasuk didalamnya formula KAP. 3)
Since June 2014, new Regulation of RBBR Sharia (including KAP formulation) applied
4)
Rentability published in IFSS refers to OJK Regulation No.8/POJK.03/2015 pertaining
4)
Rentabilitas yang disajikan pada SSKI untuk seluruh periode adalah sesuai dengan konsep LSMK dan POJK No.8/POJK.03/2015 Monetary and Financial Stability Reports of Syariah Bank and Syariah Business Unit, dated 11
tanggal 11 Juni 2014 serta turunannya SEOJK No.10/SEOJK.03/2015 tanggal 11 Juni 2014 tentang Penilaian TKS BUS dan UUS. June 2014, and OJK Circular No.10/SEOJK.03/2015, dated 11 June 2014 pertaining
Assesments of Performance Level of Syariah Bank and Syariah Business Unit
5)
Emiten LQ 45 mengikuti cakupan dalam LQ 45 BEI yang dipublikasikan pada Februari dan Agustus setiap tahun. 5)
LQ 45 Emitents are obtained from BEI publications in February and August
6)
Sejak tahun 2021, terdapat perubahan pengelompokan bank berdasarkan modal inti dari BUKU menjadi KBMI dengan Since 2021, there is a change in classification of bank from BUKU to KBMI refer to POJK
6)
klasifikasi mengacu pada POJK No.12/POJK.03/2021 No.12/POJK.03/2021

- Type I bank is defined as KBMI I bank which has Core Capital up to Rp 6 trillion
- Bank tipe I didefinisikan sebagai bank KBMI I yakni bank dengan modal inti s.d. Rp 6 triliun rupiah.
rupiah.
- Type II bank are defined as KBMI II bank which has Core Capital > Rp 6 Trillion up
- Bank tipe II didefinisikan sebagai bank KBMI II yakni bank dengan modal inti >Rp6 Triliun s.d. Rp14 triliun.
to Rp 14 trillion.
- Type III bank are defined as KBMI III bank which has Core Capital > Rp 14 trillion
- Bank tipe III didefinisikan sebagai bank KBMI III yakni bank dengan modal inti >Rp14 triliun s.d. Rp70 triliun.
up to Rp 70 trillion.
- Bank tipe IV didefinisikan sebagai bank KBMI IV yakni bank dengan modal inti >Rp70 triliun. - Type IV bank are defined as KBMI IV bank which has Core Capital >Rp 70 trillion.
Sumber: BI dan OJK (diolah) Source: BI and FSA (processed)
5
TABEL 4. FINANCIAL SOUNDNESS INDICATORS (FSI)
2021 2022 2023

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
1 Core FSIs for Deposit takers Core FSIs for Deposit takers 1
2 Regulatory capital to risk-weighted assets 20.97 21.59 22.14 24.02 22.16 22.51 23.48 24.02 24.13 23.14 23.10 23.53 24.13 23.21 25.26 Regulatory capital to risk-weighted assets 2
3 Total regulatory capital 1,130,791,913.68 1,238,140,485.67 1,242,417,246.64 1,403,588,469.21 1,242,063,046.47 1,279,361,650.87 1,348,335,946.01 1,403,588,469.21 1,545,911,525.71 1,396,429,359.18 1,426,489,716.98 1,474,244,864.34 1,545,911,525.71 1,507,130,831.44 1,553,433,282.80 Total regulatory capital 3
4 Risk-weighted assets 5,392,992,439.55 5,734,480,745.13 5,610,961,777.95 5,843,653,861.76 5,604,869,815.54 5,683,026,718.00 5,743,489,370.08 5,843,653,861.76 6,405,521,288.21 6,034,835,653.12 6,174,466,570.15 6,266,440,452.46 6,405,521,288.21 6,492,243,541.97 6,150,531,086.05 Risk-weighted assets 4
5 Tier 1 capital to risk-weighted assets 19.23 20.06 20.47 22.39 20.37 20.71 21.85 22.39 22.56 21.49 21.40 21.85 22.56 21.69 23.65 Tier 1 capital to risk-weighted assets 5
6 Tier 1 capital 1,037,215,829.54 1,150,391,635.42 1,148,416,152.02 1,308,210,146.43 1,141,846,518.24 1,177,062,430.77 1,255,097,715.75 1,308,210,146.43 1,445,034,177.92 1,296,926,716.63 1,321,196,853.48 1,369,080,393.17 1,445,034,177.92 1,408,158,266.85 1,454,633,385.06 Tier 1 capital 6
8 Nonperforming loans net of provisions to capital 4.70 5.36 4.29 3.58 4.50 4.59 4.33 3.58 2.92 3.52 3.43 3.28 2.92 3.07 3.30 Nonperforming loans net of provisions to capital 8
9 Nonperforming loans net of provisions 53,141,479.95 66,367,331.21 53,262,722.60 50,298,316.80 55,941,887.94 58,766,743.16 58,377,022.70 50,298,316.80 45,112,849.37 49,111,318.69 48,985,251.10 48,289,565.64 45,112,849.37 46,317,763.91 51,264,946.76 Nonperforming loans net of provisions 9
11 Common Equity Tier 1 capital to risk-weighted assets 19.23 20.05 20.30 22.07 20.20 20.54 21.54 22.07 22.08 21.09 20.92 21.37 22.08 21.23 23.23 Common Equity Tier 1 capital to risk-weighted assets 11
12 Common Equity Tier 1 capital 1,036,807,989.54 1,149,841,170.42 1,138,977,618.65 1,289,772,665.13 1,132,076,544.37 1,167,285,156.95 1,236,898,713.20 1,289,772,665.13 1,414,236,420.96 1,272,479,775.70 1,291,963,675.81 1,339,276,451.87 1,414,236,420.96 1,378,146,228.77 1,429,039,830.02 Common Equity Tier 1 capital 12
14 Tier 1 capital to assets 12.82 13.40 12.56 13.17 12.46 12.61 13.15 13.17 13.29 13.04 13.13 13.29 13.29 12.96 13.23 Tier 1 capital to assets 14
16 Total assets 8,088,643,496.06 8,582,503,814.75 9,140,950,494.00 9,933,490,752.00 9,164,557,978.00 9,334,043,492.00 9,542,078,823.00 9,933,490,752.00 10,873,337,417.00 9,947,489,317.00 10,065,100,417.00 10,298,757,574.00 10,873,337,417.00 10,865,337,691.00 10,995,113,799.00 Total assets 16
17 Nonperforming loans to total gross loans 2.21 2.34 2.64 2.64 2.72 2.87 2.85 2.64 2.15 2.60 2.61 2.47 2.15 2.20 2.15 Nonperforming loans to total gross loans 17
18 Nonperforming loans 125,355,405.99 142,082,129.93 167,766,514.24 173,341,695.46 174,229,172.29 180,734,620.39 181,889,406.53 173,341,695.46 156,601,855.77 175,099,422.04 176,636,309.85 174,480,810.92 156,601,855.77 160,513,831.83 162,255,026.82 Nonperforming loans 18
19 Total gross loans 5,682,994,046.12 6,073,553,514.55 6,348,336,893.90 6,564,553,769.32 6,410,181,852.72 6,291,107,038.64 6,381,168,653.26 6,564,553,769.32 7,295,716,174.34 6,743,024,301.74 6,776,339,016.26 7,051,318,356.22 7,295,716,174.34 7,303,767,294.31 7,543,824,523.30 Total gross loans 19
20 Loan concentration by economic activity 84.11 82.69 83.36 86.30 83.40 83.01 82.35 86.30 84.29 85.74 83.86 83.98 84.29 84.45 83.31 Loan concentration by economic activity 20
21 Loan concentration by economic activity 2,229,961,074.13 2,307,699,351.80 2,221,415,441.18 2,341,044,671.04 2,224,784,587.54 2,252,007,192.38 2,252,007,192.38 2,341,044,671.04 2,569,243,000.00 2,394,353,391.43 2,525,832,000.00 2,542,525,491.76 2,569,243,000.00 2,548,612,000.00 2,617,290,786.54 Loan concentration by economic activity 21
22 Total gross loans to nonfinancial corporations 2,651,252,043.78 2,790,645,958.40 2,664,720,955.20 2,712,716,925.27 2,667,720,787.15 2,712,786,533.23 2,734,749,275.67 2,712,716,925.27 3,047,982,913.17 2,792,432,265.96 3,011,835,073.25 3,027,391,133.04 3,047,982,913.17 3,017,928,286.66 3,141,679,944.77 Total gross loans to nonfinancial corporations 22
23 Provisions to nonperforming loans 57.61 53.29 68.25 70.98 67.89 67.48 67.91 70.98 71.19 71.95 72.27 72.32 71.19 71.14 68.40 Provisions to nonperforming loans 23
24 Specific provisions 72,213,926.03 75,714,798.73 114,503,791.65 123,043,378.66 118,287,284.35 121,967,877.23 123,512,383.83 123,043,378.66 111,489,006.40 125,988,103.35 127,651,058.75 126,191,245.28 111,489,006.40 114,196,067.92 110,990,080.07 Specific provisions 24
25 Nonperforming loans 125,355,405.99 142,082,129.93 167,766,514.24 173,341,695.46 174,229,172.29 180,734,620.39 181,889,406.53 173,341,695.46 156,601,855.77 175,099,422.04 176,636,309.85 174,480,810.92 156,601,855.77 160,513,831.83 162,255,026.82 Nonperforming loans 25
26 Return on assets 2.50 2.45 1.47 1.80 1.79 1.78 1.85 1.80 2.40 2.08 2.29 2.45 2.40 2.69 2.65 Return on assets 26
27 Net income before taxes 190,977,753.41 203,099,246.76 131,437,042.57 173,742,632.43 167,199,980.68 167,440,396.64 175,993,843.10 173,742,632.43 252,304,534.22 212,984,959.30 235,468,423.07 254,610,312.53 252,304,534.22 299,392,944.44 294,680,609.17 Net income before taxes 27
29 Return on equity 13.34 12.35 7.08 9.00 8.60 9.04 9.39 9.00 12.43 11.20 11.71 12.66 12.43 14.82 14.02 Return on equity 29
30 Net income after taxes 152,190,645.86 156,643,782.43 92,890,815.79 128,109,347.73 115,629,998.94 122,457,344.61 130,829,916.62 128,109,347.73 196,787,484.92 171,819,416.40 180,251,552.17 197,687,256.60 196,787,484.92 247,463,178.03 235,945,605.58 Net income after taxes 30
31 Capital 1,141,242,943.96 1,268,805,895.77 1,312,018,772.53 1,424,135,266.77 1,344,942,259.61 1,354,104,770.18 1,393,957,754.51 1,424,135,266.77 1,583,085,790.40 1,534,281,358.54 1,539,907,397.78 1,561,157,325.30 1,583,085,790.40 1,670,238,844.79 1,682,652,726.32 Capital 31
32 Interest margin to gross income 69.75 65.31 60.96 60.49 58.71 59.78 60.55 60.49 66.46 64.06 67.55 66.79 66.46 64.05 65.24 Interest margin to gross income 32
33 Interest margin 377,250,179.95 388,988,315.95 381,902,467.66 431,203,323.48 103,403,521.73 210,581,072.21 317,206,396.81 431,203,323.48 487,847,974.12 113,912,857.95 237,228,060.77 363,856,524.71 487,847,974.12 129,347,464.67 260,256,607.74 Interest margin 33
34 Gross income 540,831,379.70 595,627,128.52 626,483,549.28 712,819,090.55 176,118,912.34 352,267,972.93 523,834,640.25 712,819,090.55 733,992,308.02 177,834,841.25 351,181,294.83 544,781,756.24 733,992,308.02 201,948,061.52 398,923,972.98 Gross income 34
35 Noninterest expenses to gross income 48.12 46.30 46.95 43.45 40.67 41.81 42.39 43.45 45.31 44.20 44.64 43.66 45.31 43.34 43.69 Noninterest expenses to gross income 35
36 Noninterest expenses 260,239,843.95 275,775,331.48 294,147,094.11 309,700,488.73 71,630,466.94 147,299,346.49 222,070,555.08 309,700,488.73 332,551,171.49 78,605,718.78 156,783,872.61 237,858,959.66 332,551,171.49 87,515,193.37 174,293,633.94 Noninterest expenses 36
37 Gross income 540,831,379.70 595,627,128.52 626,483,549.28 712,819,090.55 176,118,912.34 352,267,972.93 523,834,640.25 712,819,090.55 733,992,308.02 177,834,841.25 351,181,294.83 544,781,756.24 733,992,308.02 201,948,061.52 398,923,972.98 Gross income 37
38 Liquid assets to total assets 14.57 14.76 17.45 20.04 17.72 17.75 18.52 20.04 18.28 17.74 16.50 15.55 18.28 16.37 15.05 Liquid assets to total assets 38
39 Liquid assets 1,178,511,693.08 1,266,838,228.60 1,617,650,379.62 2,047,980,501.56 1,660,319,758.78 1,686,985,042.29 1,820,078,405.65 2,047,980,501.56 2,048,742,904.18 1,814,236,755.50 1,716,496,820.27 1,645,322,193.86 2,048,742,904.18 1,812,963,101.44 1,675,965,226.76 Liquid assets 39
41 Liquid assets to short-term liabilities 21.45 21.88 25.62 29.58 26.02 26.01 27.51 29.58 26.64 26.12 24.16 22.73 26.64 24.27 22.26 Liquid assets to short-term liabilities 41
42 Liquid assets 1,178,511,693.08 1,266,838,228.60 1,617,650,379.62 2,047,980,501.56 1,660,319,758.78 1,686,985,042.29 1,820,078,405.65 2,047,980,501.56 2,048,742,904.18 1,814,236,755.50 1,716,496,820.27 1,645,322,193.86 2,048,742,904.18 1,812,963,101.44 1,675,965,226.76 Liquid assets 42
43 Short-term liabilities 5,493,274,530.00 5,788,810,130.42 6,313,666,757.89 6,923,559,597.80 6,380,008,155.88 6,485,575,510.03 6,615,118,267.99 6,923,559,597.80 7,689,377,036.43 6,944,671,838.19 7,103,251,894.30 7,238,393,762.12 7,689,377,036.43 7,468,708,537.46 7,528,790,763.25 Short-term liabilities 43
44 Liquidity coverage ratio 190.24 209.16 267.91 257.79 263.80 259.28 259.19 257.79 241.44 254.31 239.43 236.49 241.44 242.57 230.36 Liquidity coverage ratio 44
45 High-quality liquid assets 1,309,406,726.25 1,441,484,190.83 2,211,258,959.00 2,585,360,107.46 2,287,569,254.13 2,313,965,876.18 2,420,759,636.65 2,585,360,107.46 2,704,354,079.59 2,631,860,041.35 2,364,002,594.75 2,522,327,742.03 2,704,354,079.59 2,728,210,694.84 2,593,778,194.78 High-quality liquid assets 45
46 Total net cash outflows 688,283,682.27 689,181,331.22 825,366,818.57 1,002,882,957.36 867,169,946.75 892,449,311.20 933,974,664.14 1,002,882,957.36 1,120,111,162.84 1,034,900,805.36 987,325,758.99 1,066,579,717.94 1,120,111,162.84 1,124,730,263.16 1,125,971,815.30 Total net cash outflows 46
47 Net stable funding ratio 126.94 128.68 140.57 142.46 138.62 140.85 140.49 142.46 147.85 137.69 140.55 133.84 147.85 135.32 135.77 Net stable funding ratio 47
48 Available amount of stable funding 5,096,876,521.55 5,460,486,408.01 5,777,817,173.44 6,217,479,118.67 5,749,862,132.95 5,889,704,045.84 6,030,829,415.89 6,217,479,118.67 4,036,948,560.89 6,180,203,591.64 3,462,159,560.11 6,383,459,880.07 4,036,948,560.89 5,586,770,435.93 6,276,428,730.77 Available amount of stable funding 48
49 Required amount of stable funding 4,015,327,935.15 4,243,532,124.16 4,110,224,007.14 4,364,512,581.57 4,147,828,367.65 4,181,666,099.05 4,292,615,597.57 4,364,512,581.57 2,730,466,517.37 4,488,593,873.69 2,463,224,274.57 4,769,465,762.97 2,730,466,517.37 4,128,590,844.97 4,622,933,052.42 Required amount of stable funding 49
50 Net open position in foreign exchange to capital 6.42 4.55 7.12 6.72 9.27 7.23 8.92 6.72 2.86 * 10.33 * 1.66 * 1.01 * 2.86 * 0.47 * 5.34 * Net open position in foreign exchange to capital 50
51 Net open position in foreign exchange 72,556,795.00 56,373,476.00 88,451,566.00 94,337,926.00 115,098,461.00 92,457,882.00 120,302,731.00 94,337,926.00 44,180,722.00 * 144,311,068.00 * 23,699,575.00 * 14,876,665.00 * 44,180,722.00 * 7,020,120.00 * 83,027,797.00 * Net open position in foreign exchange 51
53 Residential real estate prices (Percentage change/last 12 months) 2.95 1.24 1.25 1.19 0.96 0.96 1.03 1.19 1.65 1.57 1.66 1.94 1.65 1.79 1.92 Residential real estate prices (Percentage change/last 12 months) 53
54 Additional FSIs Additional FSIs 54
55 Deposit takers Deposit takers 55
56 Large exposures to capital 0.47 0.51 79.89 59.83 72.71 73.32 60.20 59.83 62.26 65.18 70.34 66.11 62.26 64.01 68.83 Large exposures to capital 56
57 Value of large exposures 4,826,970.00 5,911,519.00 917,425,001.00 782,691,670.00 830,281,297.00 862,992,512.00 755,536,945.00 782,691,670.00 899,746,640.00 845,282,332.00 929,389,057.00 905,117,952.00 899,746,640.00 901,341,847.00 1,001,281,037.00 Value of large exposures 57
59 Geographical distribution of loans to total loans Geographical distribution of loans to total loans 59
60 Geographic distribution of total loans Geographic distribution of total loans 60
61 Geographic distribution of total loans: Domestic economy 98.66 98.51 98.35 98.11 98.28 98.16 98.23 98.11 97.92 98.10 98.03 98.10 97.92 98.08 98.07 Geographic distribution of total loans: Domestic economy 61
62 Loans to Domestic economy 5,395,527,711.71 5,753,255,452.55 5,998,410,342.20 6,440,233,051.47 6,060,927,681.56 5,933,058,001.43 6,025,858,306.12 6,440,233,051.47 7,143,781,912.45 6,614,766,073.79 6,642,659,693.15 6,917,532,449.28 7,143,781,912.45 7,163,462,812.33 7,398,234,804.44 Loans to Domestic economy 62
63 Geographic distribution of total loans: Advanced economies 0.45 0.50 0.56 0.61 0.57 0.61 0.50 0.61 0.64 0.61 0.65 0.64 0.64 0.58

14 Bank Indonesia
2021 2022 2023
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
139 Maturity distribution of investments Maturity distribution of investments 139
140 Maturity distribution of investments: 1–30 days Satuan / Unit Maturity distribution of investments: 1–30 days 140
141 Maturity distribution of investments: 31–90 days Satuan / Unit Maturity distribution of investments: 31–90 days 141
142 Maturity distribution of investments: >90 days Satuan / Unit Maturity distribution of investments: >90 days 142
143 Total investments Satuan / Unit Total investments 143
144 Insurance Corporations Insurance Corporations 144
145 Shareholder equity to total invested assets (Life insurance only) Satuan / Unit Shareholder equity to total invested assets (Life insurance only) 145
146 Capital Rp Juta / Millions of Rp Capital 146
147 Total invested assets Rp Juta / Millions of Rp Total invested assets 147
148 Shareholder equity to total invested assets (Nonlife insurance only) Satuan / Unit Shareholder equity to total invested assets (Nonlife insurance only) 148
151 Shareholder equity to total invested assets (Life insurance & nonlife insurance) Satuan / Unit Shareholder equity to total invested assets (Life insurance & nonlife insurance) 151
154 Combined ratio (Nonlife insurance only) Satuan / Unit Combined ratio (Nonlife insurance only) 154
155 Net claims and underwriting expenses Rp Juta / Millions of Rp Net claims and underwriting expenses 155
156 Net premium earned Rp Juta / Millions of Rp Net premium earned 156
157 Return on assets (Life insurance only) Satuan / Unit Return on assets (Life insurance only) 157
158 Net income before taxes Rp Juta / Millions of Rp Net income before taxes 158
159 Total assets Rp Juta / Millions of Rp Total assets 159
160 Return on equity (Life insurance only) Satuan / Unit Return on equity (Life insurance only) 160
161 Net income after taxes Rp Juta / Millions of Rp Net income after taxes 161
163 Return on equity (Nonlife insurance only) Satuan / Unit Return on equity (Nonlife insurance only) 163
166 Return on equity (Life insurance & nonlife insurance) Satuan / Unit Return on equity (Life insurance & nonlife insurance) 166
169 Pension Funds Pension Funds 169
170 Liquid assets to estimated pension payments in the next year Satuan / Unit Liquid assets to estimated pension payments in the next year 170
171 Liquid assets Rp Juta / Millions of Rp Liquid assets 171
172 Estimated pension payments in the next year Rp Juta / Millions of Rp Estimated pension payments in the next year 172
173 Return on assets Satuan / Unit Return on assets 173
174 Net income before taxes Rp Juta / Millions of Rp Net income before taxes 174
175 Total assets Rp Juta / Millions of Rp Total assets 175
176 Nonfinancial corporations Nonfinancial corporations 176
177 Total debt to equity Satuan / Unit 66.92 67.86 78.34 72.76 82.72 77.78 74.56 72.76 59.15 * 70.20 * 63.00 * 61.34 * 59.15 * 55.45 * 57.27 * Total debt to equity 177
178 Total debt Rp Juta / Millions of Rp 1,359,733,113.02 1,364,169,730.90 1,583,862,398.57 1,670,306,560.72 1,743,003,319.25 1,657,031,033.44 1,660,287,829.98 1,670,306,560.72 1,739,885,952.54 * 1,751,369,253.43 * 1,734,444,484.91 * 1,755,357,016.70 * 1,739,885,952.54 * 1,688,255,541.64 * 1,715,989,003.54 * Total debt 178
179 Equity Rp Juta / Millions of Rp 2,031,995,190.56 2,010,292,974.41 2,021,818,082.17 2,295,532,771.15 2,107,220,293.61 2,130,325,403.57 2,226,827,619.79 2,295,532,771.15 2,941,277,727.53 * 2,494,873,391.89 * 2,753,266,292.34 * 2,861,816,206.35 * 2,941,277,727.53 * 3,044,770,057.55 * 2,996,232,443.21 * Equity 179
180 External debt to equity Satuan / Unit External debt to equity 180
181 Total debt to nonresident Rp Juta / Millions of Rp Total debt to nonresident 181
183 Foreign currency debt to equity Satuan / Unit Foreign currency debt to equity 183
184 Total debt in foreign currency Rp Juta / Millions of Rp Total debt in foreign currency 184
185 Equity Rp Juta / Millions of Rp Equity 185
186 Total debt to GDP Satuan / Unit 9.16 8.62 10.26 9.84 10.27 9.76 9.78 9.84 8.88 * 8.94 * 8.85 * 8.96 * 8.88 * 8.24 * 8.38 * Total debt to GDP 186
187 Total debt Rp Juta / Millions of Rp 1,359,733,113.02 1,364,169,730.90 1,583,862,398.57 1,670,306,560.72 1,743,003,319.25 1,657,031,033.44 1,660,287,829.98 1,670,306,560.72 1,739,885,952.54 * 1,751,369,253.43 * 1,734,444,484.91 * 1,755,357,016.70 * 1,739,885,952.54 * 1,688,255,541.64 * 1,715,989,003.54 * Total debt 187
188 Gross domestic product Rp Juta / Millions of Rp 14,838,756,000.00 15,832,657,200.00 15,443,353,200.00 16,976,690,800.00 16,976,690,800.00 16,976,690,800.00 16,976,690,800.00 16,976,690,800.00 19,588,445,600.00 * 19,588,445,600.00 * 19,588,445,600.00 * 19,588,445,600.00 * 19,588,445,600.00 * 20,480,945,100.00 * 20,480,945,100.00 * Gross domestic product 188
189 Return on equity Satuan / Unit 1.57 7.67 1.63 7.73 1.93 3.63 5.12 7.73 13.88 * 9.91 * 12.52 * 13.57 * 13.88 * 12.97 * 9.82 * Return on equity 189
190 Net income after taxes Rp Juta / Millions of Rp 31,832,418.93 154,271,021.16 33,028,892.60 177,507,074.20 40,599,263.32 77,350,826.85 114,057,177.96 177,507,074.20 408,133,330.26 * 247,128,932.23 * 344,846,583.52 * 388,373,241.33 * 408,133,330.26 * 394,910,576.77 * 294,230,681.37 * Net income after taxes 190
192 Earnings to interest and principal expenses Satuan / Unit Earnings to interest and principal expenses 192
193 Earnings before interest and tax (EBIT) Rp Juta / Millions of Rp Earnings before interest and tax (EBIT) 193
194 Debt service payments Rp Juta / Millions of Rp Debt service payments 194
195 Earnings to interest expenses Satuan / Unit Earnings to interest expenses 195
196 Earnings before interest and tax (EBIT) Rp Juta / Millions of Rp Earnings before interest and tax (EBIT) 196
197 Interest expenses Rp Juta / Millions of Rp Interest expenses 197
198 Households Households 198
199 Household debt to gross domestic product Satuan / Unit 17.32 17.38 17.71 17.32 16.20 16.39 16.64 17.32 16.10 * 14.95 * 15.29 * 15.67 * 16.10 * 15.66 * 15.98 * Household debt to gross domestic product 199
200 Household debt Rp Juta / Millions of Rp 2,569,450,981.87 2,751,749,133.51 2,734,623,817.42 2,940,917,221.33 2,749,839,676.28 2,782,997,329.15 2,825,664,811.29 2,940,917,221.33 3,154,376,635.79 * 2,928,400,209.51 * 2,995,042,407.48 * 3,069,363,771.90 * 3,154,376,635.79 * 3,207,645,214.31 * 3,271,948,032.91 * Household debt 200
201 Gross domestic product Rp Juta / Millions of Rp 14,838,756,000.00 15,832,657,200.00 15,443,353,200.00 16,976,690,800.00 16,976,690,800.00 16,976,690,800.00 16,976,690,800.00 16,976,690,800.00 19,588,445,600.00 * 19,588,445,600.00 * 19,588,445,600.00 * 19,588,445,600.00 * 19,588,445,600.00 * 20,480,945,100.00 * 20,480,945,100.00 * Gross domestic product 201
202 Household debt service and principal payments to income Satuan / Unit Household debt service and principal payments to income 202
203 Household debt service and principal payments Rp Juta / Millions of Rp Household debt service and principal payments 203
204 Household's Gross disposable income Rp Juta / Millions of Rp Household's Gross disposable income 204
205 Household debt to household disposal income Satuan / Unit Household debt to household disposal income 205
206 Household debt Rp Juta / Millions of Rp 2,569,450,981.87 2,751,749,133.51 2,734,623,817.42 2,940,917,221.33 2,749,839,676.28 2,782,997,329.15 2,825,664,811.29 2,940,917,221.33 3,154,376,635.79 2,928,400,209.51 2,995,042,407.48 3,069,363,771.90 3,154,376,635.79 3,207,645,214.31 3,271,948,032.91 Household debt 206
207 Household's Gross disposable income Rp Juta / Millions of Rp Household's Gross disposable income 207
208 Real estate markets Real estate markets 208
209 Commercial real estate prices (Percentage change/last 12 months) Satuan / Unit 1.52 0.32 0.12 0.60 0.45 0.32 0.35 0.60 0.34 0.26 0.41 0.45 0.34 0.24 0.32 Commercial real estate prices (Percentage change/last 12 months) 209
210 Residential real estate loans to total gross loans Satuan / Unit 11.35 11.71 11.43 11.52 11.31 11.79 11.78 11.52 12.96 13.35 13.38 13.23 12.96 13.32 13.22 Residential real estate loans to total gross loans 210
211 Residential real estate loans Rp Juta / Millions of Rp 645,121,105.09 711,317,588.84 725,901,838.45 756,238,847.25 724,886,388.00 741,811,505.99 751,459,486.02 756,238,847.25 945,864,865.56 900,033,480.00 906,617,505.33 932,900,549.55 945,864,865.56 973,151,073.10 997,443,317.13 Residential real estate loans 211
212 Total gross loans Rp Juta / Millions of Rp 5,682,994,046.12 6,073,553,514.55 6,348,336,893.90 6,564,553,769.32 6,410,181,852.72 6,291,107,038.64 6,381,168,653.26 6,564,553,769.32 7,295,716,174.34 6,743,024,301.74 6,776,339,016.26 7,051,318,356.22 7,295,716,174.34 7,303,767,294.31 7,543,824,523.30 Total gross loans 212
213 Commercial real estate loans to total gross loans Satuan / Unit 13.98 13.87 13.56 13.03 13.15 13.57 13.44 13.03 15.02 15.07 15.45 15.17 15.02 15.15 14.91 Commercial real estate loans to total gross loans 213
214 Commercial real estate loans Rp Juta / Millions of Rp 794,480,891.64 842,337,069.74 860,920,894.37 855,119,016.10 842,656,750.53 853,860,403.85 857,373,865.74 855,119,016.10 1,096,019,631.87 1,016,218,676.52 1,046,942,688.08 1,069,903,399.73 1,096,019,631.87 1,106,193,066.94 1,124,982,432.14 Commercial real estate loans 214
215 Total gross loans Rp Juta / Millions of Rp 5,682,994,046.12 6,073,553,514.55 6,348,336,893.90 6,564,553,769.32 6,410,181,852.72 6,291,107,038.64 6,381,168,653.26 6,564,553,769.32 7,295,716,174.34 6,743,024,301.74 6,776,339,016.26 7,051,318,356.22 7,295,716,174.34 7,303,767,294.31 7,543,824,523.30 Total gross loans 215
Terdapat perubahan tahun dasar Indeks Harga Properti Residensial dari 2002=100 menjadi 2018=100 There was a change in the base year of the Residential Property Price Index from 2002=100 to 2018=100
Sumber: BI, Bloomberg dan OJK (diolah) Source: BI, Bloomberg and FSA (processed)

15 Bank Indonesia
TABEL 5a. TOTAL LOCATIONAL BANKING STATISTICS (LBS) INDONESIA 1)
TABLE 5a. TOTAL LOCATIONAL BANKING STATISTICS (LBS) INDONESIA 1)
2022 2022 2022 2022 2022 2023 2023 2023 2023 2023 2023 2023 2023
2018 2019 2020 2021 2022
Negara Mitra, Sektor Satuan/ Unit Aug Sep Oct Nov Dec Jan* Feb* Mar* Apr* May* Jun* Jul* Aug* Counterparty Countries
Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
1 Seluruh Negara USD Juta/ Millions of USD 531,943 519,218 586,466 571,114 626,746 598,624 687,316 648,307 683,763 649,734 678,669 642,583 667,706 633,074 675,494 640,875 670,903 635,554 683,763 649,734 707,811 670,394 694,763 658,092 704,121 665,224 714,447 681,507 704,389 668,347 708,522 673,826 690,446 622,746 702,032 666,290 All Countries 1
2 Luar Negeri (Nonresiden) USD Juta/ Millions of USD 15,652 49,873 16,407 52,624 19,052 53,491 20,020 53,505 25,888 52,598 25,882 51,889 23,970 52,237 23,208 52,536 25,100 52,582 25,888 52,598 28,750 54,867 26,621 53,618 24,671 53,243 27,502 53,664 24,981 53,832 24,089 53,667 23,746 52,148 23,714 53,495 Cross-Border (Nonresident) 2
3 Bank USD Juta/ Millions of USD 13,896 42,141 14,558 43,220 18,022 43,629 18,883 40,899 23,326 39,568 23,963 39,357 22,177 39,755 21,516 39,825 23,278 39,870 23,326 39,568 24,944 41,635 22,516 40,353 21,287 39,962 24,280 39,947 21,859 40,127 20,396 39,592 20,513 38,102 19,736 38,840 Bank 3
4 a.l. : Antar-Kantor USD Juta/ Millions of USD 6,847 32,620 6,314 34,456 8,312 35,549 8,846 33,048 10,434 - 9,822 - 9,504 - 9,324 - 10,428 - 10,434 - 10,900 0 10,159 0 10,339 0 11,179 0 10,185 0 10,354 0 10,282 0 10,437 0 of which: Related Offices 4
5 Non-Bank USD Juta/ Millions of USD 1,734 7,732 1,849 9,377 1,030 9,862 1,131 12,597 2,555 12,999 1,915 12,515 1,788 12,465 1,684 12,684 1,815 12,686 2,555 12,999 3,796 13,187 4,093 13,223 3,378 13,249 3,213 13,636 3,112 13,674 3,683 14,051 3,224 14,009 3,967 14,619 Non-Bank 5
6 Institusi Keuangan Non-Bank USD Juta/ Millions of USD 818 4,933 909 6,251 74 6,201 64 7,623 494 8,915 191 8,574 172 8,662 234 8,732 328 8,495 493.679 8,915 1,241 9,022 1,241 8,944 240.976 9,075 218.076 9,374 124.247 9,496 545.651 10,028 470.461 9,890 519.608 10,298 Non-Bank Financial Institutions 6
7 Sektor Non-Finansial USD Juta/ Millions of USD 915 2,799 940 3,126 956 3,661 1,068 4,974 2,061 4,084 1,723 3,941 1,616 3,803 1,450 3,952 1,487 4,191 2,061 4,084 2,555 4,165 2,852 4,279 3,137 4,174 2,995 4,262 2,988 4,178 3,138 4,024 2,754 4,118 3,447 4,321 Non-Financial Sector 7
8 Indonesia (Residen) USD Juta/ Millions of USD 516,291 468,659 570,056 517,775 607,692 544,990 667,289 594,662 657,861 597,136 652,776 590,694 643,724 580,837 652,278 588,339 645,794 582,973 657,861 597,136 679,046 615,527 668,127 604,473 679,432 611,981 686,922 627,842 679,378 614,515 684,400 620,159 666,668 570,598 678,286 612,795 Indonesia (Resident) 8
9 Bank USD Juta/ Millions of USD 94,029 28,774 103,445 28,343 124,559 50,895 151,013 49,731 138,121 51,593 123,001 52,065 118,681 52,051 130,728 51,486 129,243 49,451 138,121 51,593 139,037 55,750 129,982 53,306 130,018 51,520 126,474 56,764 122,841 51,442 126,083 56,605 114,205 50,770 120,403 54,298 Bank 9
10 a.l. : Antar-Kantor USD Juta/ Millions of USD 619 2,091 350 1,834 1,852 28,497 1,923 32,993 1,724 - 2,070 - 1,775 - 1,880 - 1,667 - 1,724 - 1,810 0 1,644 0 1,691 0 1,786 0 1,696 0 1,728 0 1,595 0 1,717 0 of which: Related Offices 10
11 Non-Bank USD Juta/ Millions of USD 419,925 438,363 464,537 487,955 480,625 492,632 513,446 543,524 516,361 544,384 526,090 537,441 521,635 527,673 518,027 535,734 513,048 532,105 516,361 544,384 536,129 558,527 534,267 549,917 545,477 557,416 556,322 569,276 552,344 561,710 554,259 562,167 548,325 518,541 553,419 557,097 Non-Bank 11
12 Institusi Keuangan Non-Bank USD Juta/ Millions of USD 26,168 41,855 27,188 49,672 24,537 47,452 28,646 54,100 30,404 52,815 29,232 55,649 29,871 53,791 29,191 52,045 29,111 51,795 30,404 52,815 31,616 55,519 31,607 53,587 32,708 51,671 33,790 53,814 34,194 55,003 34,732 54,826 33,187 47,834 34,033 51,824 Non-Bank Financial Institutions 12
13 Sektor Non-Finansial USD Juta/ Millions of USD 393,757 396,508 437,349 438,283 456,087 445,180 484,800 489,424 485,957 491,569 496,858 481,792 491,764 473,883 488,836 483,688 483,938 480,310 485,957 491,569 504,513 503,008 502,661 496,330 512,770 505,745 522,532 515,462 518,151 506,707 519,527 507,341 515,138 470,707 519,386 505,273 Non-Financial Sector 13
14 Lokasi Tidak Teridentifikasi USD Juta/ Millions of USD 1 686 3 714 2 142 7 140 13 - 12 - 12 - 9 - 10 - 13 0 14 0 14 0 17 0 24 0 30 0 32 0 32 0 32 0 Unallocated by Location 14
Keterangan: Note:
1)
LBS ini menggambarkan aset dan kewajiban pada laporan keuangan (neraca) bank dalam negeri terhadap
LBS describes outstanding claims and liabilities of banks located in Indonesia to non resident for
1)
Bukan Penduduk dalam semua jenis instrumen, sesuai dengan Guidelines Bank for International Settlements
each instruments breakdown, based on Guidelines Bank for International Settlements (BIS)
(BIS)
- Tahun 2023 menggunakan banking list 2022. - In 2023, using the 2022 banking list.
- Sejak Januari 2022, informasi golongan lawan antar bank dan antar kantor tidak tersedia karena keterbatasan - Since January 2022, counterpart information on unrelated banks and related offices is not
sumber data provided due to the limitation of data sources
- Sejak Januari 2022, terdapat perpindahan klasifikasi data Loan & Deposit ke Other Claims/Liabilitieskarena - Since January 2022, there has been a shifting data on Loan & Deposit to Other
keterbatasan sumber data Claims/Liabilities due to limited data sources
*Angka Sementara *Preliminary Figures
Sumber: Bank Indonesia Source: Bank Indonesia

TABEL 5b. TOTAL LOCATIONAL BANKING STATISTICS (LBS) INDONESIA BERDASARKAN JENIS INSTRUMEN 1)
TABLE 5b. TOTAL LOCATIONAL BANKING STATISTICS (LBS) INDONESIA BY TYPE OF INSTRUMENTS 1)
2022 2022 2022 2022
2018 2019 2020 2021 2022
Aug Sep Oct Nov
Negara Mitra, Sektor Satuan/ Unit Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims
Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total
1 Seluruh Negara USD Juta/ Millions of USD 531,943 438,295 77,651 15,997 519,218 440,100 14,424 64,694 586,466 483,916 85,893 16,657 571,114 484,208 14,717 72,189 626,746 495,096 112,059 19,592 598,624 517,797 13,268 67,559 687,316 528,379 135,255 23,681 648,307 558,604 13,064 76,639 683,763 531,709 125,455 26,599 649,734 554,506 11,653 83,576 678,669 521,333 131,330 26,007 642,583 548,493 11,800 82,290 667,706 513,534 128,537 25,635 633,074 539,110 11,599 82,365 675,494 522,503 126,805 26,187 640,875 547,075 11,401 82,399 670,903
2 Luar Negeri (Nonresiden) USD Juta/ Millions of USD 15,652 8,366 1,760 5,526 49,873 29,877 3,494 16,502 16,407 9,828 1,401 5,178 52,624 30,681 3,965 17,978 19,052 11,823 1,658 5,571 53,491 27,675 4,020 21,796 20,020 11,750 1,910 6,360 53,505 23,893 5,001 24,611 25,888 11,264 5,167 9,457 52,598 23,696 4,539 24,363 25,882 11,785 5,093 9,004 51,889 22,791 4,597 24,501 23,970 10,866 4,537 8,567 52,237 23,537 4,717 23,984 23,208 10,271 4,402 8,535 52,536 23,922 4,601 24,013 25,100
3 Bank USD Juta/ Millions of USD 13,896 8,365 883 4,649 42,141 27,486 3,274 11,382 14,558 9,827 539 4,192 43,220 28,031 2,420 12,769 18,022 11,821 787 5,414 43,629 24,469 2,084 17,077 18,883 11,730 936 6,217 40,899 19,742 2,782 18,376 23,326 11,264 2,706 9,357 39,568 19,580 2,554 17,434 23,963 11,785 3,269 8,909 39,357 18,530 2,735 18,092 22,177 10,866 2,840 8,471 39,755 19,458 2,713 17,583 21,516 10,271 2,823 8,422 39,825 19,824 2,590 17,411 23,278
4 a.l. : Antar-Kantor USD Juta/ Millions of USD 6,847 2,558 31 4,258 32,620 20,871 695 11,054 6,314 2,621 13 3,680 34,456 21,855 148 12,453 8,312 2,997 138 5,177 35,549 18,481 211 16,857 8,846 2,615 255 5,977 33,048 14,865 188 17,995 10,434 1,065 344 9,025 - - - - 9,822 903 363 8,555 - - - - 9,504 1,059 335 8,110 - - - - 9,324 967 315 8,041 - - - - 10,428
5 Non-Bank USD Juta/ Millions of USD 1,734 1 877 856 7,732 2,391 221 5,120 1,849 1 862 986 9,377 2,650 1,545 5,182 1,030 2 871 157 9,862 3,206 1,936 4,719 1,131 20 974 137 12,597 4,146 2,219 6,233 2,555 0 2,461 93 12,999 4,085 1,985 6,929 1,915 0 1,825 90 12,515 4,244 1,862 6,409 1,788 0 1,698 91 12,465 4,061 2,004 6,400 1,684 0 1,579 105 12,684 4,071 2,011 6,602 1,815
6 Institusi Keuangan Non-Bank USD Juta/ Millions of USD 818 - - 818 4,933 829 20 4,084 909 0 - 909 6,251 685 1,374 4,192 74 - - 74 6,201 1,410 1,802 2,989 64 0 - 64 7,623 1,230 2,078 4,315 494 0 414 80 8,915 1,101 1,855 5,959 191 0 128 63 8,574 1,117 1,721 5,736 172 0 103 68 8,662 1,080 1,871 5,711 234 0 144 90 8,732 1,065 1,881 5,786 328
7 Sektor Non-Finansial USD Juta/ Millions of USD 915 1 877 37 2,799 1,562 201 1,036 940 1 862 77 3,126 1,965 172 990 956 2 871 83 3,661 1,797 134 1,730 1,068 20 974 73 4,974 2,916 140 1,918 2,061 - 2,047 14 4,084 2,984 130 970 1,723 - 1,696 27 3,941 3,127 141 673 1,616 - 1,594 22 3,803 2,981 132 689 1,450 - 1,435 15 3,952 3,006 130 815 1,487
8 Indonesia (Residen) USD Juta/ Millions of USD 516,291 429,929 75,891 10,471 468,659 410,223 10,930 47,506 570,056 474,085 84,492 11,479 517,775 453,527 10,752 53,497 607,692 483,271 110,400 14,021 544,990 490,122 9,248 45,620 667,289 516,622 133,345 17,322 594,662 534,711 8,064 51,887 657,861 520,432 120,287 17,143 597,136 530,810 7,114 59,212 652,776 509,537 126,236 17,003 590,694 525,702 7,202 57,789 643,724 502,657 124,000 17,067 580,837 515,573 6,882 58,382 652,278 512,222 122,403 17,652 588,339 523,153 6,800 58,386 645,794
9 Bank USD Juta/ Millions of USD 94,029 69,039 22,634 2,355 28,774 20,775 5,525 2,474 103,445 75,820 25,177 2,448 28,343 21,106 4,860 2,376 124,559 100,690 19,644 4,225 50,895 17,117 4,467 29,311 151,013 120,716 25,597 4,699 49,731 12,800 3,759 33,173 138,121 121,076 11,695 5,350 51,593 14,426 3,359 33,807 123,001 102,412 15,919 4,670 52,065 15,950 3,258 32,857 118,681 99,422 14,119 5,140 52,051 15,815 2,962 33,274 130,728 112,946 12,189 5,593 51,486 15,036 2,914 33,536 129,243
10 a.l. : Antar-Kantor USD Juta/ Millions of USD 619 375 166 78 2,091 592 72 1,427 350 281 25 44 1,834 300 13 1,521 1,852 615 20 1,217 28,497 344 79 28,075 1,923 470 76 1,377 32,993 150 314 32,529 1,724 195 249 1,280 - - - - 2,070 296 428 1,346 - - - - 1,775 157 307 1,311 - - - - 1,880 295 300 1,285 - - - - 1,667
11 Non-Bank USD Juta/ Millions of USD 419,925 360,851 53,257 5,817 438,363 389,351 5,405 43,606 464,537 398,239 59,315 6,983 487,955 432,413 5,891 49,651 480,625 382,551 90,756 7,318 492,632 472,993 4,781 14,858 513,446 395,905 107,747 9,794 543,524 521,375 4,304 17,844 516,361 399,353 108,592 8,416 544,384 515,856 3,755 24,773 526,090 407,084 110,317 8,689 537,441 509,218 3,944 24,279 521,635 403,202 109,881 8,552 527,673 499,292 3,920 24,461 518,027 399,230 110,214 8,582 535,734 507,635 3,886 24,213 513,048
12 Institusi Keuangan Non-Bank USD Juta/ Millions of USD 26,168 17,867 6,507 1,794 41,855 26,852 4,048 10,955 27,188 18,724 5,980 2,484 49,672 32,787 4,257 12,628 24,537 16,408 5,532 2,597 47,452 36,634 3,487 7,332 28,646 16,868 7,067 4,711 54,100 41,749 3,131 9,220 30,404 19,355 7,096 3,953 52,815 35,066 2,500 15,249 29,232 17,813 7,252 4,167 55,649 37,981 2,693 14,974 29,871 18,230 7,602 4,039 53,791 35,913 2,657 15,221 29,191 18,300 6,908 3,984 52,045 34,355 2,600 15,090 29,111
13 Sektor Non-Finansial USD Juta/ Millions of USD 393,757 342,984 46,750 4,022 396,508 362,499 1,357 32,651 437,349 379,515 53,335 4,499 438,283 399,625 1,634 37,023 456,087 366,143 85,224 4,721 445,180 436,359 1,295 7,526 484,800 379,036 100,680 5,083 489,424 479,626 1,174 8,624 485,957 379,998 101,496 4,463 491,569 480,790 1,255 9,524 496,858 389,271 103,065 4,522 481,792 471,237 1,251 9,305 491,764 384,972 102,279 4,512 473,883 463,379 1,263 9,241 488,836 380,931 103,306 4,599 483,688 473,280 1,285 9,123 483,938
14 Lokasi Tidak Teridentifikasi USD Juta/ Millions of USD 1 1 - - 686 0 - 686 3 3 - - 714 0 - 714 2 2 - - 142 0 - 142 7 7 - - 140 0 - 140 13 13 - - - - - - 12 12 - - - - - - 12 12 - - - - - - 9 9 - - - - - - 10
Keterangan:
1)
LBS ini menggambarkan aset dan kewajiban pada laporan keuangan (neraca) bank dalam negeri
terhadap Bukan Penduduk dalam semua jenis instrumen, sesuai dengan Guidelines Bank for
International Settlements (BIS)
- Tahun 2023 menggunakan banking list 2022.
- Sejak Januari 2022, informasi golongan lawan antar bank dan antar kantor tidak tersedia karena
keterbatasan sumber data
- Sejak Januari 2022, terdapat perpindahan klasifikasi data Loan & Deposit ke Other
Claims/Liabilitieskarena keterbatasan sumber data
*Angka Sementara
Sumber: Bank Indonesia

2022 2022 2023 2023 2023 2023 2023 2023 2023
Nov Dec Jan* Feb* Mar* Apr* May* Jun* Jul*
Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities
519,063 125,015 26,825 635,554 541,491 11,348 82,716 683,763 531,709 125,455 26,599 649,734 554,506 11,653 83,576 707,811 548,295 134,590 24,927 670,394 570,378 11,710 88,306 694,763 535,393 134,858 24,512 658,092 559,195 11,322 87,574 704,121 544,905 134,809 24,406 665,224 568,074 11,342 85,808 714,447 552,347 136,826 25,274 681,507 583,465 11,316 86,725 704,389 550,669 129,327 24,393 668,347 571,341 11,151 85,856 708,522 553,535 130,818 24,168 673,826 575,486 11,190 87,150 690,446 547,503 118,987 23,955 622,746 529,409 10,197
11,215 4,465 9,420 52,582 23,964 4,622 23,996 25,888 11,264 5,167 9,457 52,598 23,696 4,539 24,363 28,750 16,036 5,983 6,731 54,867 24,834 4,419 25,614 26,621 13,797 6,251 6,573 53,618 23,915 4,304 25,399 24,671 12,912 5,382 6,377 53,243 23,270 4,298 25,675 27,502 15,469 5,327 6,706 53,664 23,134 4,374 26,157 24,981 13,251 5,191 6,539 53,832 23,434 4,437 25,961 24,089 11,337 5,993 6,759 53,667 22,941 4,306 26,420 23,746 11,460 5,530 6,756 52,148 22,531 3,748
11,215 2,749 9,315 39,870 19,865 2,619 17,386 23,326 11,264 2,706 9,357 39,568 19,580 2,554 17,434 24,944 16,036 2,297 6,610 41,635 20,757 2,407 18,471 22,516 13,797 2,255 6,464 40,353 19,735 2,293 18,325 21,287 12,912 2,103 6,272 39,962 19,035 2,299 18,629 24,280 15,469 2,252 6,560 39,947 18,910 2,112 18,925 21,859 13,251 2,162 6,447 40,127 19,166 2,162 18,799 20,396 11,337 2,387 6,672 39,592 18,818 2,039 18,736 20,513 11,460 2,377 6,676 38,102 17,877 1,950
1,140 341 8,947 - - - - 10,434 1,065 344 9,025 - - - - 10,900 4,173 362 6,365 - - - - 10,159 3,618 345 6,196 - - - - 10,339 3,939 358 6,041 - - - - 11,179 4,503 355 6,321 - - - - 10,185 3,539 404 6,242 - - - - 10,354 3,390 495 6,468 - - - - 10,282 3,335 495 6,452 - - -
0 1,717 98 12,686 4,074 2,003 6,609 2,555 0 2,461 93 12,999 4,085 1,985 6,929 3,796 0 3,686 110 13,187 4,033 2,012 7,143 4,093 0 3,996 97 13,223 4,138 2,012 7,074 3,378 0 3,279 99 13,249 4,203 1,999 7,046 3,213 0 3,075 138 13,636 4,182 2,262 7,192 3,112 0 3,029 83 13,674 4,237 2,275 7,162 3,683 0 3,606 77 14,051 4,100 2,267 7,684 3,224 0 3,153 71 14,009 4,617 1,798
0 242 86 8,495 940 1,874 5,681 494 0 414 80 8,915 1,101 1,855 5,959 1,241 0 1,166 75 9,022 969 1,876 6,177 1,241 0 1,170 71 8,944 939 1,879 6,127 241 0 180 61 9,075 1,091 1,865 6,119 218 0 150 68 9,374 1,040 2,106 6,228 124 0 71 53 9,496 1,169 2,120 6,206 546 0 496 49 10,028 1,073 2,113 6,842 470 0 417 53 9,890 1,269 1,778
- 1,475 12 4,191 3,134 129 929 2,061 - 2,047 14 4,084 2,984 130 970 2,555 - 2,519 36 4,165 3,064 136 965 2,852 - 2,826 26 4,279 3,199 133 947 3,137 - 3,099 38 4,174 3,112 134 928 2,995 - 2,925 70 4,262 3,141 157 964 2,988 - 2,958 30 4,178 3,067 155 956 3,138 - 3,110 28 4,024 3,027 154 842 2,754 - 2,736 18 4,118 3,347 20
507,839 120,549 17,406 582,973 517,527 6,726 58,720 657,861 520,432 120,287 17,143 597,136 530,810 7,114 59,212 679,046 532,244 128,606 18,196 615,527 545,544 7,291 62,692 668,127 521,582 128,606 17,939 604,473 535,281 7,018 62,174 679,432 531,976 129,427 18,029 611,981 544,804 7,044 60,133 686,922 536,855 131,499 18,568 627,842 560,331 6,942 60,569 679,378 537,388 124,136 17,854 614,515 547,907 6,714 59,895 684,400 542,166 124,826 17,409 620,159 552,545 6,884 60,730 666,668 536,012 113,457 17,199 570,598 506,879 6,449
113,354 10,401 5,489 49,451 12,737 3,010 33,704 138,121 121,076 11,695 5,350 51,593 14,426 3,359 33,807 139,037 119,575 13,998 5,463 55,750 16,483 3,221 36,046 129,982 112,909 11,714 5,359 53,306 14,431 3,150 35,725 130,018 112,584 12,057 5,377 51,520 15,474 3,258 32,788 126,474 106,798 13,981 5,695 56,764 20,054 3,050 33,659 122,841 105,925 11,562 5,354 51,442 14,846 2,952 33,645 126,083 107,537 13,347 5,199 56,605 19,148 3,043 34,414 114,205 101,157 7,934 5,114 50,770 15,873 2,818
198 200 1,269 - - - - 1,724 195 249 1,280 - - - - 1,810 210 259 1,341 - - - - 1,644 207 124 1,314 - - - - 1,691 223 130 1,338 - - - - 1,786 292 127 1,367 - - - - 1,696 246 115 1,335 - - - - 1,728 332 67 1,329 - - - - 1,595 289 50 1,256 - - -
394,459 110,148 8,441 532,105 504,274 3,716 24,115 516,361 399,353 108,592 8,416 544,384 515,856 3,755 24,773 536,129 412,647 114,608 8,874 558,527 528,467 4,070 25,990 534,267 408,632 116,892 8,744 549,917 520,241 3,869 25,808 545,477 419,331 117,370 8,777 557,416 528,696 3,786 24,934 556,322 429,976 117,518 8,828 569,276 539,632 3,892 25,752 552,344 431,363 112,574 8,407 561,710 532,372 3,762 25,576 554,259 434,551 111,478 8,230 562,167 532,729 3,841 25,597 548,325 434,757 105,523 8,045 518,541 490,366 3,631
18,286 6,899 3,926 51,795 34,338 2,471 14,986 30,404 19,355 7,096 3,953 52,815 35,066 2,500 15,249 31,616 19,818 7,590 4,208 55,519 36,849 2,588 16,082 31,607 19,996 7,500 4,111 53,587 35,072 2,441 16,074 32,708 21,365 7,125 4,218 51,671 34,274 2,356 15,041 33,790 21,956 7,516 4,318 53,814 35,764 2,436 15,614 34,194 22,347 7,627 4,220 55,003 36,829 2,432 15,742 34,732 22,818 7,691 4,224 54,826 36,668 2,365 15,793 33,187 22,093 6,760 4,334 47,834 29,856 2,288
376,173 103,249 4,515 480,310 469,936 1,245 9,129 485,957 379,998 101,496 4,463 491,569 480,790 1,255 9,524 504,513 392,829 107,018 4,666 503,008 491,618 1,482 9,908 502,661 388,635 109,393 4,633 496,330 485,168 1,428 9,733 512,770 397,965 110,245 4,559 505,745 494,422 1,430 9,892 522,532 408,020 110,002 4,511 515,462 503,868 1,456 10,138 518,151 409,016 104,948 4,187 506,707 495,543 1,330 9,834 519,527 411,733 103,787 4,007 507,341 496,061 1,476 9,804 515,138 412,664 98,763 3,711 470,707 460,511 1,343
10 - - - - - - 13 13 - - - - - - 14 14 - - - - - - 14 14 - - - - - - 17 17 - - - - - - 24 24 - - - - - - 30 30 - 0 - - - - 32 32 - - - - - - 32 32 - - - - -
2023 2023
Jul* Aug*
Liabilities Claims Liabilities Counterparty Countries
Other Instruments Total Loan & Deposits Debt Securities Other Instruments Total Loan & Deposits Debt Securities Other Instruments
83,139 702,032 548,143 129,454 24,435 666,290 566,906 10,916 88,468 All Countries 1
25,869 23,714 10,523 6,067 7,123 53,495 23,056 3,866 26,573 Cross-Border (Nonresident) 2
18,275 19,736 10,523 2,180 7,033 38,840 18,033 1,933 18,874 Bank 3
- 10,437 3,276 359 6,802 - - - - of which: Related Offices 4
7,594 3,967 0 3,887 79 14,619 4,986 1,933 7,699 Non-Bank 5
6,843 520 0 458 61 10,298 1,676 1,780 6,841 Non-Bank Financial Institutions 6
751 3,447 - 3,429 18 4,321 3,310 153 858 Non-Financial Sector 7
57,270 678,286 537,588 123,387 17,312 612,795 543,850 7,050 61,895 Indonesia (Resident) 8
32,079 120,403 103,815 11,335 5,253 54,298 15,669 3,090 35,539 Bank 9
- 1,717 280 125 1,312 - - - - of which: Related Offices 10
24,543 553,419 433,733 112,052 7,635 557,097 527,441 3,959 25,697 Non-Bank 11
15,690 34,033 21,890 7,683 4,460 51,824 33,263 2,337 16,224 Non-Bank Financial Institutions 12
8,854 519,386 411,842 104,369 3,175 505,273 494,178 1,623 9,472 Non-Financial Sector 13
- 32 32 - - - - - - Unallocated by Location 14
Note:
LBS describes outstanding claims and liabilities of banks located in Indonesia to non resident for each instruments
1)
breakdown, based on Guidelines Bank for International Settlements (BIS)
- In 2023, using the 2022 banking list.
- Since January 2022, counterpart information on unrelated banks and related offices is not provided due to the limitation
of data sources
- Since January 2022, there has been a shifting data on Loan & Deposit to Other Claims/Liabilities due to limited data
sources
*Preliminary Figures
Source: Bank Indonesia

2022 2022 2022 2022 2022 2023 2023
2018 2019 2020 2021 2022
Aug Sep Oct Nov Dec Jan* Feb*
Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
Negara Mitra Satuan/ Unit
Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total
1 Seluruh Negara Mitra 15,652 8,366 1,760 5,526 49,873 29,877 3,494 16,502 16,407 9,828 1,401 5,178 52,624 30,681 3,965 17,978 19,052 11,823 1,658 5,571 53,491 27,675 4,020 21,796 20,020 11,750 1,910 6,360 53,505 23,893 5,001 24,611 25,888 11,264 5,167 9,457 52,598 23,696 4,539 24,363 25,882 11,785 5,093 9,004 51,889 22,791 4,597 24,501 23,970 10,866 4,537 8,567 52,237 23,537 4,717 23,984 23,208 10,271 4,402 8,535 52,536 23,922 4,601 24,013 25,100 11,215 4,465 9,420 52,582 23,964 4,622 23,996 25,888 11,264 5,167 9,457 52,598 23,696 4,539 24,363 28,750 16,036 5,983 6,731 54,867 24,834 4,419 25,614 26,621 13,797 6,251 6,573 53,618 23,915
2 Amerika - - - - - - - -
3 Amerika Serikat 6,700 3,983 438 2,278 4,011 2,509 624 878 5,639 3,726 155 1,759 4,118 2,883 274 962 7,881 5,059 201 2,622 4,552 3,397 265 891 7,822 4,509 219 3,093 3,853 2,475 536 841 11,190 5,710 1,808 3,671 2,723 1,806 82 835 10,239 5,347 1,105 3,788 2,487 1,543 104 840 9,141 4,683 976 3,482 2,383 1,451 82 851 8,649 4,330 841 3,477 2,654 1,734 71 849 9,647 4,956 997 3,693 2,578 1,673 80 826 11,190 5,710 1,808 3,671 2,723 1,806 82 835 13,784 6,746 3,086 3,953 3,646 2,671 87 889 12,353 4,641 3,482 4,230 3,276 2,292
4 Kanada 21.46 21.09 0.26 0.10 190 169 9.63 11.75 20.45 19.77 0.68 0.00 44.66 27.46 7.63 9.57 68.69 68.34 0.23 0.12 28.16 17.85 1.12 9.19 30 29 1 0 47 32 3 12 35 34 0 0 41 29 4 9 20 20 0 0 34 22 2 10 21 20 0 0 56 45 2 10 24 23 0 0 34 24 1 9 26 25 1 0 34 22 3 9 35 34 0 0 41 29 4 9 28 28 0 0 51 41 2 8 104 104 1 0 50 40
5 Brazil 0.07 - 0.07 - 2.35 2.22 0.13 - 0.85 - 0.85 - 3.28 3.14 0.14 - 0.17 - 0.17 - 4.64 4.48 0.15 - 0 - 0 - 6 5 0 - 1 - 1 0 5 5 0 - 1 - 1 - 4 4 0 - 1 - 1 0 5 5 0 - 1 - 1 0 5 5 0 - 0 - - 0 5 4 0 - 1 - 1 0 5 5 0 - 0 - 0 0 5 5 - - 0 - - 0 5 5
6 Eropa - - - - - - - -
7 Belanda 38.06 12.37 9.65 16.04 421 310 13.56 97.71 143.29 66.90 3.36 73.03 267 136 10.41 121.27 7.40 5.02 2.34 0.04 61 40 9.83 11.46 10 2 0 8 129 63 52 14 5 5 0 0 109 70 28 11 46 46 0 0 214 166 36 12 54 47 2 6 178 138 28 12 70 68 2 0 188 149 27 12 66 65 1 0 103 64 28 11 5 5 0 0 109 70 28 11 88 87 0 0 95 63 22 11 10 6 0 4 100 59
8 Belgia 75.57 74.49 0.40 0.68 123 99.07 21.44 2.08 58 57 0.67 0.10 150 137 11.64 1.10 43 43 0.33 0.05 178 173 4.19 0.67 57 57 0 0 266 239 26 1 92 91 0 0 272 250 21 1 71 55 16 0 270 258 11 1 138 122 15 0 300 282 17 1 147 147 0 0 246 223 22 1 61 61 0 0 224 201 22 1 92 91 0 0 272 250 21 1 365 364 0 0 316 294 21 1 168 167 1 0 219 194
9 Inggris 623 296 1.43 325 3,703 1,588 661 1,455 919 631 2.12 286 2,968 1,138 334 1,497 1,052 609 3.10 440 3,189 1,291 399 1,499 1,100 671 7 422 3,403 1,205 423 1,776 1,496 1,055 2 439 2,185 314 331 1,540 1,534 1,078 46 410 2,196 354 287 1,555 1,458 1,023 17 419 2,226 334 339 1,553 1,430 963 22 446 2,212 324 338 1,550 1,577 1,113 2 462 2,191 312 335 1,545 1,496 1,055 2 439 2,185 314 331 1,540 1,227 1,090 1 135 2,813 832 332 1,649 1,143 960 3 180 2,787 839
10 Jerman 356 320 8.63 27.25 743 430 105 208 523 495 0.50 27.10 838 519 102 217 349 311 3.04 34.59 682 345 45 293 421 389 0 32 578 316 61 201 364 354 3 7 657 321 132 204 319 316 2 1 697 316 176 205 370 364 5 1 711 313 192 206 572 569 3 1 670 307 159 204 446 440 2 4 655 300 151 204 364 354 3 7 657 321 132 204 575 426 3 146 654 314 124 216 363 294 4 65 686 311
11 Norwegia 81.48 81.48 - - 11.72 0.83 0.64 10.25 21 21 0.03 - 32.61 1.20 5.88 25.53 116 116 0.00 - 25.03 4.75 0.70 19.58 1 1 - - 28 12 1 14 50 50 - - 14 1 2 11 106 106 - - 17 2 2 13 86 86 - - 15 1 1 12 51 51 - - 13 1 0 11 76 76 - - 14 2 1 11 50 50 - - 14 1 2 11 106 106 0 - 17 2 4 11 101 101 0 - 19 3
12 Perancis 109 100 2.23 6.92 1,033 615 19.83 398 268 257 1.89 8.80 766 310 26.24 430 418 409 2.30 6.48 703 237 21.06 445 86 74 3 9 662 172 18 473 449 434 2 13 1,726 1,278 22 427 743 727 3 14 721 219 27 475 425 400 3 23 791 307 26 459 382 361 3 17 759 292 25 443 545 530 3 12 749 289 23 438 449 434 2 13 1,726 1,278 22 427 622 606 2 14 690 213 23 454 442 420 5 17 626 158
13 Swiss (termasuk BIS) 29.11 25.92 1.75 1.44 70.29 19.65 44.25 6.39 45.04 33.67 2.19 9.18 85 16.03 56.97 12.17 26.23 24.43 0.03 1.78 147 21.55 113.40 12.19 111 103 - 9 226 23 165 38 35 32 0 3 158 31 102 25 26 19 0 7 134 30 78 26 37 33 - 3 159 26 105 29 21 20 - 1 166 38 101 27 78 77 0 0 208 81 102 25 35 32 0 3 158 31 102 25 30 29 0 2 164 32 104 28 32 22 2 8 163 31
14 Afrika dan Timur Tengah - - - - - - - -
15 Arab Saudi 82.31 52.43 4.59 25.29 29.70 6.71 0.55 22.44 112 76 3.24 32.46 33.13 9.02 0.35 23.75 77 71 4.60 2.18 34.95 14.21 - 20.73 46 44 1 2 64 19 39 7 32 25 6 1 28 21 0 7 43 30 12 2 26 19 - 7 47 33 12 2 27 20 0 7 38 30 7 1 27 20 0 7 39 30 8 1 25 18 0 7 32 25 6 1 28 21 0 7 40 28 10 1 25 18 - 7 42 36 6 1 25 19
16 Kuwait 0.55 0.03 0.07 0.45 27.59 1.12 - 26.47 0.08 0.03 - 0.05 38.58 1.36 12.21 25.01 0.55 0.03 0.52 - 38.40 1.29 12.79 24.32 0 0 - 0 18 1 12 5 0 0 - 0 6 2 0 4 10 0 10 0 7 2 0 4 0 0 0 - 6 2 0 4 0 0 0 - 6 2 0 4 0 0 0 - 6 2 0 4 0 0 - 0 6 2 0 4 0 0 - 0 6 2 0 4 0 0 0 0 6 2
17 Mesir 1.39 - 1.39 - 5.11 0.72 4.39 - 2.80 - 2.80 - 5.15 0.62 4.53 - 1.26 - 1.26 - 2.03 1.98 0.05 - 3 - 3 - 3 2 1 - - - - - 2 2 - - 3 - 3 - 2 2 - - 2 - 2 - 3 3 - - - - - - 3 3 - - 0 - 0 - 2 2 - - - - - - 2 2 - - 0 - - 0 2 2 - - - - - - 2 2
18 Qatar 66.14 0.04 0.37 65.73 381 2.51 0.92 378 68.65 0.04 0.07 68.53 487 78.24 15.89 393 154.15 0.04 15.17 138.94 441 2.02 19.58 419 245 0 0 245 545 11 15 519 246 0 0 245 586 16 11 559 253 0 0 252 553 18 10 524 251 0 0 250 540 18 11 511 245 0 0 245 529 17 10 501 244 0 1 243 586 17 10 559 246 0 0 245 586 16 11 559 257 0 0 257 604 6 10 587 252 0 0 252 591 5
19 Uni Emirat Arab 565 8.49 555 1.27 138 10.85 122 5.14 581 1.72 578 0.89 201 8.90 122 70.02 600 0.80 599 0.59 227 11.81 142 72.85 592 2 588 2 241 14 143 84 33 4 28 1 236 21 138 77 73 3 69 1 257 31 145 81 100 3 95 1 257 36 142 79 49 4 44 1 238 20 140 78 49 3 44 1 240 24 138 77 33 4 28 1 236 21 138 77 35 3 32 0 243 19 144 80 37 3 34 1 234 13
20 Asia dan Pasifik - - - - - - - -
21 Australia 247 202 27.58 17.72 1,134 189 86.80 858 237 194 32.47 10.39 1,270 265 96.42 909 368 323 36.25 8.92 1,033 87 56.60 889 409 360 33 15 959 130 86 744 323 232 33 59 929 150 63 716 264 201 30 33 982 178 80 725 288 215 30 42 966 163 86 717 314 239 27 48 930 142 87 702 335 256 29 50 915 147 80 687 323 232 33 59 929 150 63 716 329 223 37 69 1,001 186 60 755 332 233 34 65 988 180
22 Brunai Darusalam 0.43 0.43 - - 1.07 0.98 - 0.09 0.29 0.29 - - 1.34 1.29 - 0.05 0.41 0.39 0.02 0.00 1.29 1.29 - - 0 0 - 0 1 1 - - 1 1 - 0 2 2 - - 1 1 - 0 2 1 - 1 1 0 0 0 3 2 - 1 1 1 - 0 2 2 - 1 1 1 0 0 2 1 - 0 1 1 - 0 2 2 - - 1 1 - 0 2 2 - - 1 1 - 0 1 1
23 Filipina 6.84 0.10 6.00 0.74 13.12 12.95 0.15 0.02 11.97 0.44 11.24 0.29 24.47 23.11 1.32 0.05 3.75 0.01 3.66 0.08 37.76 32.68 5.07 0.01 2 0 2 0 71 52 9 10 25 0 24 0 41 34 6 0 2 1 1 0 49 49 - 0 2 1 1 0 57 50 6 0 16 1 16 0 38 32 6 0 25 1 24 0 44 37 6 0 25 0 24 0 41 34 6 0 49 0 49 0 43 37 6 0 25 0 25 0 42 36
24 India 180 0.38 128 51.64 169 20.83 37.99 111 68 0.31 21.19 46.63 156 22.50 17.35 116 56 0.28 6.64 48.66 171 26.43 16.46 128 74 0 7 66 291 42 13 236 125 0 79 46 265 48 19 198 357 0 308 49 212 54 15 143 306 0 258 48 213 56 17 139 309 0 262 47 211 59 15 136 204 0 157 47 197 44 18 135 125 0 79 46 265 48 19 198 35 0 12 23 286 58 19 209 36 0 14 22 270 45
25 Jepang 1,242 276 11.29 954 9,945 6,354 218 3,373 1,517 514 3.88 999 10,123 6,488 210 3,425 745 444 4.96 297 13,589 6,397 112 7,080 860 648 8 204 14,034 6,335 159 7,540 828 589 5 234 14,202 6,392 93 7,717 690 474 9 208 14,362 6,307 101 7,954 696 488 10 197 14,189 6,318 97 7,775 589 410 12 167 14,145 6,359 94 7,692 689 469 6 214 14,051 6,355 81 7,615 828 589 5 234 14,202 6,392 93 7,717 1,441 1,325 5 111 14,731 6,466 89 8,176 1,527 1,451 9 66 14,651 6,451
26 Kamboja 0.14 - - 0.14 0.13 0.13 - - 0.03 - 0.03 - 0.09 0.09 - - - - - - 0.06 0.06 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 1 1 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - 0 - - 0 0 0 - - - - - - 0 0
27 Korea Selatan 111 28.49 28.30 54.35 2,099 1,186 194 719 72.05 12.66 13.63 45.76 1,975 926 133 916 296.90 78.48 129.00 89.42 2,549 1,191 86 1,272 722 182 261 279 2,848 1,105 135 1,608 1,020 189 342 489 4,115 2,243 167 1,705 1,043 288 337 418 3,891 2,208 193 1,491 974 268 323 382 3,901 2,249 184 1,469 945 227 321 396 3,847 2,195 176 1,475 854 127 324 404 3,834 2,187 182 1,465 1,020 189 342 489 4,115 2,243 167 1,705 1,050 256 324 470 4,017 2,057 168 1,792 1,035 244 335 456 3,821 1,894
28 Laos - - - - 0.41 0.41 - - - - - - 0.50 0.50 - - - - - - 0.40 0.40 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0
29 Malaysia 75.78 14.01 5.93 55.85 3,334 874 60.32 2,399 61.98 12.04 6.80 43.14 3,243 446 84.47 2,713 60.30 20.39 12.15 27.75 2,845 362 99.84 2,383 92 47 30 15 3,457 488 99 2,871 761 203 541 16 2,954 379 162 2,413 601 18 567 16 2,978 422 116 2,440 579 15 546 17 2,826 277 141 2,408 724 170 536 18 2,900 365 153 2,381 907 351 540 16 3,020 471 165 2,384 761 203 541 16 2,954 379 162 2,413 782 196 569 17 3,102 372 157 2,573 750 186 546 17 3,031 323
30 Myanmar 0.00 - - 0.00 1.65 1.65 - - - - - - 1.61 1.61 - - - - - - 1.67 1.67 - - - - - - 2 2 - - - - - - 1 1 - - - - - - 2 2 - - - - - - 1 1 - - - - - - 1 1 - - - - - - 1 1 - - - - - - 1 1 - - - - - - 1 1 - - - - - - 1 1
31 Selandia Baru 14.72 14.72 - 0.01 12.38 6.02 6.11 0.25 17.03 17.03 - 0.01 12.05 6.99 4.87 0.19 15.96 15.96 - 0.00 10.28 7.64 2.47 0.17 28 28 - 0 13 9 3 0 33 33 - 0 16 10 6 0 38 38 - - 15 11 4 0 36 36 - - 14 10 4 0 29 29 - 0 14 10 3 0 34 34 - - 16 10 5 0 33 33 - 0 16 10 6 0 41 41 - 0 17 10 6 0 37 37 - - 15 10
32 Taiwan 5.97 2.01 0.79 3.17 463 29.85 65.70 368 5.77 1.22 1.41 3.14 536 55.02 135 346 11.60 7.35 2.65 1.61 524 147.46 155 221 31 12 17 3 501 123 159 219 64 1 61 2 440 63 146 231 83 16 64 3 398 66 115 217 91 21 68 3 414 65 137 212 60 1 57 2 406 62 139 205 75 3 70
2023 2023 2023 2023 2023 2023 2023
Feb* Mar* Apr* May* Jun* Jul* Aug*
Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
Counterparty Countries
Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other Loan & Debt Other
Total Total Total Total Total Total Total Total Total Total Total Total
Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments Deposits Securities Instruments
4,304 25,399 24,671 12,912 5,382 6,377 53,243 23,270 4,298 25,675 27,502 15,469 5,327 6,706 53,664 23,134 4,374 26,157 24,981 13,251 5,191 6,539 53,832 23,434 4,437 25,961 24,089 11,337 5,993 6,759 53,667 22,941 4,306 26,420 23,746 11,460 5,530 6,756 52,148 22,531 3,748 25,869 23,714 10,523 6,067 7,123 53,495 23,056 3,866 26,573 All Counterparty Countries 1
America 2
83 902 10,358 3,730 2,507 4,121 2,575 1,586 65 924 12,478 5,872 2,304 4,302 2,643 1,646 59 938 11,828 5,229 2,291 4,308 2,567 1,539 65 962 10,904 3,747 2,671 4,486 2,655 1,626 61 968 10,564 3,414 2,708 4,442 2,427 1,401 63 963 10,747 3,064 2,837 4,846 2,814 1,767 61 986 United States of America 3
2 7 60 59 2 0 34 25 2 8 41 38 3 0 36 27 1 8 28 25 3 0 59 48 3 8 33 29 5 - 34 23 4 7 33 27 5 - 32 23 1 7 30 26 4 - 30 22 1 7 Canada 4
0 - 0 - - 0 5 5 0 - 0 - - 0 5 5 0 - 0 - 0 0 5 5 0 - 0 - 0 - 5 5 0 - - - - - 5 5 0 - - - - - 5 5 0 - Brazil 5
Europe 6
30 11 11 10 1 0 124 83 30 11 75 75 0 0 119 73 35 11 5 4 1 0 123 73 39 10 5 4 1 - 138 89 39 10 37 36 1 0 154 104 39 10 6 6 1 - 170 121 38 10 Netherlands 7
25 1 318 317 1 0 255 233 21 1 43 43 0 0 252 232 19 1 60 60 0 0 291 273 17 1 51 51 0 0 165 146 18 1 60 60 0 0 107 89 17 1 41 41 - 0 143 128 14 1 Belgium 8
330 1,618 1,162 1,004 2 156 2,868 899 329 1,640 1,288 1,112 2 175 3,008 947 364 1,697 1,143 1,017 3 124 3,017 958 367 1,692 1,173 1,048 2 123 2,881 895 364 1,622 1,146 1,019 2 126 2,820 884 309 1,628 1,156 1,020 3 133 2,873 936 308 1,629 United Kingdom 9
159 216 345 274 3 67 687 314 150 223 407 320 9 77 701 326 145 229 389 329 14 47 724 353 134 237 378 329 2 47 765 395 131 239 321 266 10 45 699 369 97 233 282 251 3 28 683 344 104 235 Germany 10
5 11 66 66 0 - 20 3 4 13 51 51 0 - 19 3 2 15 51 51 0 - 16 2 1 13 1 1 0 - 15 2 1 12 81 81 0 - 10 2 1 7 76 76 0 - 16 3 1 12 Norway 11
23 445 163 144 5 15 628 151 23 454 674 651 4 19 661 170 24 467 330 314 2 14 652 175 26 451 416 400 2 14 661 187 26 449 642 625 2 15 629 166 26 437 524 506 3 15 618 160 26 432 France 12
103 29 25 19 0 5 162 31 101 30 23 20 0 2 172 28 115 29 35 21 0 14 180 30 123 27 25 20 0 4 172 33 112 26 22 17 - 5 144 32 84 28 23 19 0 4 153 27 97 29 Switzerland (including BIS) 13
Africa and Middle East 14
- 6 51 43 6 2 28 21 - 7 86 81 5 0 25 18 - 7 69 62 7 0 29 21 - 7 80 74 6 0 31 25 0 6 49 41 8 1 28 22 0 6 73 65 7 1 25 19 - 6 Saudi Arabia 15
0 4 0 0 - - 6 2 0 4 0 0 - - 6 2 0 4 0 0 - - 6 2 0 4 0 0 - 0 6 2 0 4 - - - - 7 2 - 5 0 0 - 0 6 2 - 4 Kuwait 16
- - 0 - 0 - 3 3 - - 0 - 0 - 3 3 0 - 0 - 0 - 3 3 - - 0 - 0 - 2 2 - - 0 - 0 - 3 3 - - 0 - 0 - 3 3 - - Egypt 17
10 576 255 0 0 255 574 5 11 558 260 0 0 260 586 3 13 570 256 0 0 255 581 6 13 562 254 0 - 254 576 4 13 560 252 0 - 252 575 4 13 558 250 0 - 250 569 4 13 552 Qatar 18
141 79 12 3 6 3 247 23 144 80 8 3 4 0 260 27 151 82 8 4 4 1 245 16 149 80 10 3 6 1 243 15 148 80 11 3 7 2 57 28 14 15 17 3 14 1 246 17 149 79 United Arab Emirates 19
Asia and Pacific 20
57 751 364 262 35 68 949 142 52 755 386 284 34 68 1,037 211 50 777 326 222 34 71 995 178 49 768 352 243 35 74 970 167 52 751 356 244 35 78 954 156 47 751 316 201 36 80 927 137 43 747 Australia 21
- - 1 1 - 0 2 2 - - 1 1 - 0 2 2 - - 1 1 0 0 1 1 - - 1 1 0 - 1 1 - - 1 1 - - 1 1 - - 1 1 - - 1 1 - - Brunei Darussalam 22
6 0 67 0 67 0 46 39 7 0 81 0 81 0 46 40 6 0 59 0 58 0 47 40 6 0 79 0 78 0 44 38 6 0 78 0 77 0 28 27 - 0 39 0 39 0 28 28 - 0 Philippines 23
20 205 34 0 12 21 278 47 23 209 79 0 32 47 282 45 22 214 63 0 17 46 289 45 32 211 62 0 16 46 285 46 29 210 74 0 18 56 286 47 30 209 39 0 18 20 288 46 32 210 India 24
97 8,103 1,984 1,889 10 84 14,710 6,437 107 8,166 2,040 1,913 22 105 14,950 6,446 91 8,412 1,116 1,056 7 53 14,887 6,463 90 8,334 1,147 1,092 8 46 14,867 6,438 68 8,361 1,207 1,152 20 35 14,605 6,470 60 8,075 982 935 10 36 14,914 6,418 101 8,396 Japan 25
- - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - Cambodia 26
160 1,767 1,100 279 360 461 3,833 1,878 169 1,786 1,074 235 359 480 4,075 2,093 154 1,827 1,113 238 378 498 3,999 2,049 138 1,812 1,162 214 376 572 4,476 1,995 125 2,356 1,055 159 338 559 4,180 1,723 107 2,351 1,034 78 377 579 4,344 1,906 104 2,333 South Korea 27
- - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - - - - - 0 0 - - Lao PDR 28
155 2,553 739 154 571 15 3,105 346 148 2,611 767 188 564 15 3,038 370 141 2,527 771 203 552 15 3,025 361 134 2,529 801 239 548 14 3,025 372 133 2,521 246 204 28 15 2,783 314 108 2,362 684 132 538 14 2,974 309 111 2,554 Malaysia 29
- - - - - - 2 2 - - - - - - 2 2 - - - - - - 2 2 - - - - - - 1 1 - - - - - - 2 2 - - - - - - 2 2 - - Myanmar 30
4 0 33 33 - - 19 12 7 1 31 31 - - 15 12 3 1 33 33 - 0 16 11 4 1 31 31 - - 19 11 7 1 29 29 - 0 21 11 9 1 31 31 - 0 20 12 8 1 New Zealand 31
138 238 54 11 40 2 452 65 143 244 81 42 39 1 452 62 140 250 80 51 27 2 455 61 146 247 115 73 41 1 444 59 138 246 139 95 42 2 429 65 118 246 172 129 39 3 446 80 121 245 China, Taipei 32
78 1,231 144 14 124 5 1,389 50 78 1,260 111 18 80 12 1,367 51 77 1,238 97 25 68 4 1,338 42 51 1,246 143 28 111 4 1,346 41 49 1,256 143 54 87 2 1,255 24 36 1,196 157 66 90 1 1,354 20 21 1,313 Thailand 33
- 1 55 0 - 55 64 64 - 0 58 0 - 58 95 89 - 6 71 0 - 71 71 68 - 3 56 0 - 56 77 77 - 0 67 0 - 67 91 88 - 3 64 0 - 64 88 87 - 1 Timor Leste 34
267 983 1,700 508 1,161 31 2,251 970 275 1,006 1,852 528 1,291 34 2,217 952 273 992 1,700 444 1,231 25 2,425 1,162 279 984 1,743 394 1,322 27 2,394 1,155 259 980 1,826 482 1,321 24 2,462 1,205 252 1,005 1,690 375 1,284 32 2,472 1,228 253 991 China 35
18 0 16 0 16 0 20 2 18 0 28 10 18 0 13 2 11 0 37 7 17 13 12 2 10 0 50 6 32 12 11 2 9 0 83 9 73 1 13 2 11 0 100 14 85 1 15 2 13 0 Vietnam 36
Offshore centres 37
911 695 842 625 93 123 3,701 2,078 925 698 937 724 84 130 3,631 1,918 1,008 706 772 583 83 106 3,204 1,484 1,010 710 751 570 88 93 3,182 1,451 1,018 713 751 537 90 124 3,076 1,521 826 729 761 555 82 125 3,020 1,472 829 719 Hong Kong 38
- 9 1,195 880 - 316 50 41 - 9 1,228 915 - 313 58 44 - 13 1,232 913 - 319 44 34 - 10 1,062 744 - 317 62 54 - 9 1,067 748 - 318 44 34 - 10 1,171 851 - 320 39 30 - 9 Cayman Islands 39
1,369 4,788 3,396 2,563 344 489 12,511 6,329 1,365 4,817 3,063 2,166 373 524 12,158 5,824 1,356 4,979 3,133 2,287 373 473 12,688 6,378 1,424 4,886 3,073 1,963 625 484 12,340 6,096 1,380 4,864 3,183 2,041 637 505 12,324 6,072 1,371 4,881 3,054 1,997 573 484 12,278 6,062 1,313 4,903 Singapore 40
115 169 121 22 15 83 1,646 1,381 103 162 249 148 16 85 1,732 1,461 112 159 173 74 18 81 1,837 1,547 124 165 130 31 17 81 1,773 1,489 117 166 223 119 22 82 1,898 1,637 110 152 195 83 26 86 1,933 1,661 104 168 Others 41
Note:
1)

- Since January 2022, counterpart information on unrelated banks and related offices is not provided due to the limitation
of data sources
- Since January 2022, there has been a shifting data on Loan & Deposit to Other Claims/Liabilities due to limited data
sources

2022 2022 2022 2022 2022 2023 2023
2018 2019 2020 2021 2022
Aug Sep Oct Nov Dec Jan* Feb*
Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
Negara Mitra Satuan/ Unit
Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks
1 Seluruh Negara Mitra 15,652 13,896 1,734 49,873 42,141 7,732 16,407 14,558 1,849 52,624 43,220 9,377 19,052 18,022 1,030 53,491 43,629 9,862 20,020 18,883 1,131 53,505 40,899 12,597 25,888 23,326 2,555 52,598 39,568 12,999 25,882 23,963 1,915 51,889 39,357 12,515 23,970 22,177 1,788 52,237 39,755 12,465 23,208 21,516 1,684 52,536 39,825 12,684 25,100 23,278 1,815 52,582 39,870 12,686 25,888 23,326 2,555 52,598 39,568 12,999 28,750 24,944 3,796 54,867 41,635 13,187 26,621 22,516 4,093 53,618 40,353 13,223
2 Amerika - - - - - -
3 Amerika Serikat 6,700 6,603 95 4,011 3,593 418 5,639 5,544 95 4,118 3,701 417 7,881 7,697 184 4,552 4,024 528 7,822 7,651 166 3,853 3,319 529 11,190 9,510 1,674 2,723 2,017 690 10,239 9,221 1,015 2,487 1,815 665 9,141 8,246 890 2,383 1,765 611 8,649 7,883 759 2,654 1,957 684 9,647 8,738 903 2,578 1,897 672 11,190 9,510 1,674 2,723 2,017 690 13,784 10,827 2,949 3,646 2,939 684 12,353 8,995 3,346 3,276 2,574 690
4 Kanada 21 21 - 190 170 20 20 20 - 45 10 35 69 69 0 28 3 25 30 30 0 47 11 36 35 35 0 41 10 32 20 20 0 34 9 25 21 21 0 56 9 48 24 24 0 34 8 26 26 26 0 34 9 25 35 35 0 41 10 32 28 28 0 51 7 44 104 104 0 50 7 43
5 Brazil 0 0 - 2 0 2 1 1 - 3 0 3 0 0 - 5 0 4 0 0 - 6 0 5 1 1 0 5 0 5 1 1 - 4 0 4 1 1 0 5 0 5 1 1 0 5 0 5 0 - 0 5 0 4 1 1 0 5 0 5 0 0 0 5 - 5 0 - 0 5 0 5
6 Eropa - - - - - -
7 Belanda 38 16 22 421 374 47 143 70 73 267 227 40 7 7 - 61 22 40 10 10 0 129 65 64 5 5 0 109 36 73 46 46 0 214 132 83 54 48 6 178 111 67 70 70 0 188 110 78 66 66 0 103 40 63 5 5 0 109 36 73 88 87 0 95 30 66 10 6 4 100 39 62
8 Belgia 76 76 0 123 113 10 58 58 0 150 141 9 43 43 0 178 168 10 57 57 0 266 256 10 92 92 0 272 261 11 71 71 0 270 259 11 138 138 0 300 290 11 147 147 0 246 235 11 61 61 0 224 214 10 92 92 0 272 261 11 365 365 0 316 302 14 168 168 0 219 207 12
9 Inggris 623 602 0 3,703 3,378 325 919 915 4 2,968 2,442 500 1,052 1,048 4 3,189 2,540 649 1,100 1,087 13 3,403 2,500 904 1,496 1,495 0 2,185 1,474 711 1,534 1,531 2 2,196 1,506 690 1,458 1,458 0 2,226 1,536 690 1,430 1,430 0 2,212 1,497 715 1,577 1,577 0 2,191 1,460 731 1,496 1,495 0 2,185 1,474 711 1,227 1,226 0 2,813 2,106 707 1,143 1,143 0 2,787 2,110 677
10 Jerman 356 352 4 743 676 67 523 520 3 838 759 79 349 349 0 682 637 46 421 420 0 578 524 53 364 364 0 657 605 52 319 319 0 697 642 55 370 370 0 711 655 56 572 572 0 670 614 55 446 446 0 655 599 56 364 364 0 657 605 52 575 575 0 654 600 54 363 363 0 686 633 53
11 Norwegia 81 81 - 12 6 5 21 21 - 33 12 21 116 116 - 25 7 18 1 1 - 28 4 24 50 50 - 14 6 8 106 106 - 17 6 11 86 86 - 15 6 9 51 51 - 13 5 9 76 76 - 14 6 8 50 50 - 14 6 8 106 106 - 17 9 8 101 101 - 19 10 9
12 Perancis 109 105 5 1,033 980 54 268 263 5 766 654 112 418 414 4 703 635 68 86 81 5 662 566 97 449 443 5 1,726 1,617 109 743 739 5 721 627 94 425 421 4 791 689 102 382 377 5 759 653 106 545 541 5 749 639 110 449 443 5 1,726 1,617 109 622 616 6 690 574 116 442 437 5 626 504 122
13 Swiss (termasuk BIS) 29 29 - 70 50 20 45 45 0 85 33 52 26 26 0 147 85 63 111 111 0 226 130 95 35 35 0 158 76 82 26 21 5 134 71 63 37 37 0 159 78 82 21 21 0 166 76 90 78 78 0 208 75 133 35 35 0 158 76 82 30 30 0 164 80 84 32 32 0 163 80 83
14 Afrika dan Timur Tengah - - - - - -
15 Arab Saudi 82 58 24 30 9 21 112 81 30 33 12 21 77 77 - 35 12 23 46 46 - 64 52 12 32 32 - 28 16 12 43 43 - 26 14 12 47 47 - 27 15 12 38 38 - 27 15 12 39 39 - 25 13 12 32 32 - 28 16 12 40 40 - 25 13 12 42 42 - 25 14 11
16 Kuwait 1 1 - 28 26 2 0 0 - 39 37 1 1 1 - 38 37 1 0 0 - 18 16 2 0 0 - 6 3 3 10 10 - 7 4 3 0 0 - 6 4 3 0 0 - 6 4 2 0 0 - 6 3 2 0 0 - 6 3 3 0 0 - 6 3 3 0 0 - 6 3 3
17 Mesir 1 1 - 5 4 1 3 3 - 5 5 1 1 1 - 2 0 2 3 3 - 3 1 2 - - - 2 0 2 3 3 - 2 0 2 2 2 - 3 0 3 - - - 3 0 3 0 0 - 2 0 2 - - - 2 0 2 0 0 - 2 0 2 - - - 2 0 2
18 Qatar 66 66 - 381 379 2 69 69 - 487 470 18 154 154 - 441 424 17 245 245 - 545 520 25 246 246 - 586 561 26 253 253 - 553 525 28 251 251 - 540 512 28 245 245 - 529 502 26 244 244 - 586 560 26 246 246 - 586 561 26 257 257 - 604 588 16 252 252 - 591 576 15
19 Uni Emirat Arab 565 13 552 138 16 122 581 6 575 201 10 192 600 33 567 227 13 214 592 32 560 241 13 228 33 33 - 236 17 219 73 73 - 257 17 241 100 100 - 257 17 240 49 49 - 238 17 221 49 49 - 240 17 223 33 33 - 236 17 219 35 35 - 243 16 227 37 37 - 234 16 218
20 Asia dan Pasifik - - - - - -
21 Australia 247 247 0 1,134 931 202 237 237 0 1,270 941 329 368 368 0 1,033 875 157 409 408 0 959 763 196 323 323 0 929 738 191 264 264 0 982 738 244 288 287 0 966 742 224 314 314 0 930 728 202 335 335 0 915 728 187 323 323 0 929 738 191 329 328 0 1,001 773 228 332 331 0 988 744 244
22 Brunai Darusalam 0 0 - 1 0 1 0 0 - 1 0 1 0 0 0 1 0 1 0 0 0 1 0 1 1 1 0 2 0 2 1 1 0 2 0 2 1 1 0 3 0 3 1 1 0 2 0 2 1 1 0 2 0 2 1 1 0 2 0 2 1 1 0 2 0 2 1 1 0 1 0 1
23 Filipina 7 7 0 13 6 7 12 12 0 24 4 20 4 4 - 38 17 21 2 2 0 71 49 22 25 25 0 41 24 16 2 2 0 49 31 18 2 2 0 57 40 17 16 16 0 38 21 17 25 25 0 44 27 17 25 25 0 41 24 16 49 49 0 43 26 17 25 25 0 42 25 17
24 India 180 180 0 169 149 21 68 68 0 156 133 24 56 55 0 171 133 38 74 59 14 291 244 47 125 125 0 265 216 49 357 357 0 212 161 51 306 306 0 213 164 49 309 309 0 211 161 50 204 204 0 197 148 49 125 125 0 265 216 49 35 35 0 286 238 48 36 36 0 270 220 50
25 Jepang 1,242 479 762 9,945 9,257 688 1,517 729 788 10,123 9,841 282 745 728 17 13,589 10,401 3,189 860 843 17 14,034 10,810 3,223 828 827 1 14,202 10,675 3,514 690 684 6 14,362 10,811 3,544 696 691 5 14,189 10,683 3,497 589 586 4 14,145 10,672 3,461 689 688 1 14,051 10,638 3,401 828 827 1 14,202 10,675 3,514 1,441 1,438 3 14,731 11,043 3,670 1,527 1,523 4 14,651 10,994 3,633
26 Kamboja 0 0 0 0 - 0 0 0 - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 1 - 1 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 0 0 - 0 - 0 - - - 0 - 0
27 Korea Selatan 111 106 5 2,099 2,028 71 72 72 1 1,975 1,780 196 297 297 0 2,549 2,240 309 722 722 0 2,848 2,383 466 1,020 1,013 7 4,115 3,155 960 1,043 1,037 6 3,891 3,182 710 974 967 6 3,901 3,197 704 945 938 7 3,847 3,078 768 854 848 6 3,834 3,068 766 1,020 1,013 7 4,115 3,155 960 1,050 1,044 6 4,017 3,017 1,001 1,035 1,027 7 3,821 2,836 985
28 Laos - - - 0 - 0 - - - 1 - 1 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0
29 Malaysia 76 69 7 3,334 2,662 672 62 53 8 3,243 2,501 742 60 51 10 2,845 2,411 435 92 72 20 3,457 2,922 535 761 239 521 2,954 2,580 373 601 49 552 2,978 2,566 411 579 38 541 2,826 2,458 368 724 193 531 2,900 2,490 410 907 383 524 3,020 2,633 387 761 239 521 2,954 2,580 373 782 237 546 3,102 2,710 392 750 217 533 3,031 2,646 385
30 Myanmar 0 - 0 2 - 2 - - - 2 - 2 - - - 2 - 2 - - - 2 - 2 - - - 1 - 1 - - - 2 - 2 - - - 1 - 1 - - - 1 - 1 - - - 1 - 1 - - - 1 - 1 - - - 1 - 1 - - - 1 - 1
31 Selandia Baru 15 15 - 12 6 6 17 17 0 12 5 7 16 16 - 10 3 8 28 28 0 13 4 9 33 33 0 16 6 10 38 38 - 15 4 11 36 36 - 14 4 10 29 29 - 14 3 10 34 34 - 16 6 10 33 33 0 16 6 10 41 41 0 17 6 10 37 37 - 15 5 10
32 Taiwan 6 6 0 463 77 386 6 6 0 536 94 442 12 11 0 524 168 356 31 30 1 501 123 378 64 54 10 440 118 322 83 72 10 398 63 335 91 80 11 414 81 332 60 36 24 406 83 323 75 50 24 441 119 322 64 54 10 440 118 322 72 61 11 443 108 335 60 50 11 438 109 329
33 Thailand 73 73 1 1,632 1,488 144 48 47 1 1,704 1,680 24 110 110 0 2,130 2,117 12 170 170 0 1,461 1,443 18 159 159 0 1,324 1,300 23 192 192 0 1,591 1,568 24 128 128 0 1,319 1,293 26 91 90 0 1,348 1,324 24 128 128 0 1,346 1,324 23 159 159 0 1,324 1,300 23 124 124 0 1,376 1,350 25 130 130 0 1,357 1,331 26
34 Timor Leste 121 121 - 139 137 2 52 52 - 82 80 2 30 30 - 45 42 3 38 38 - 62 44 18 44 44 - 117 109 8 69 69 0 79 70 8 46 46 - 40 31 9 68 68 - 48 39 9 77 77 - 87 79 8 44 44 - 117 109 8 81 81 - 77 69 8 75 75 - 60 52 8
35 Tiongkok 403 312 91 4,584 4,458 126 446 408 38 4,484 4,349 135 660 616 44 3,611 3,365 246 734 615 119 3,002 2,701 301 2,267 2,221 46 2,298 2,134 164 2,210 2,168 42 2,454 2,314 140 1,891 1,836 55 2,315 2,161 154 2,014 1,952 62 2,325 2,162 163 2,271 2,208 63 2,343 2,164 179 2,267 2,221 46 2,298 2,134 164 1,922 1,872 50 2,539 2,369 170 1,875 1,829 46 2,341 2,178 163
36 Vietnam 41 41 - 22 21 1 12 12 - 27 26 1 47 47 - 111 110 1 184 184 - 26 25 1 138 138 0 11 10 2 345 345 - 27 25 3 319 319 - 27 24 2 305 305 - 14 12 2 200 200 - 11 9 2 138 138 0 11 10 2 107 107 0 12 10 2 88 88 - 20 18 2
37 Offshore centres - - - - - -
38 Hong Kong 1,244 1,234 10 2,658 2,605 52 1,321 1,263 58 3,570 3,038 532 1,984 1,949 35 3,552 2,848 704 1,401 1,342 58 3,231 2,098 1,133 1,304 1,247 57 3,451 2,089 1,363 1,526 1,466 60 3,439 2,015 1,424 1,343 1,285 58 3,487 2,165 1,322 1,333 1,274 59 3,460 2,072 1,388 1,273 1,220 53 3,554 2,168 1,386 1,304 1,247 57 3,451 2,089 1,363 875 821 54 3,757 2,349 1,408 782 718 63 3,616 2,220 1,395
39 Cayman, Kepulauan 1,019 904 115 9 1 8 1,042 952 90 22 0 22 588 548 39 18 0 18 1,040 1,011 29 126 4 122 1,321 1,321 - 69 26 43 1,132 1,131 2 62 11 51 1,165 1,163 2 68 1 67 992 992 - 68 5 62 1,262 1,262 - 46 2 44 1,321 1,321 - 69 26 43 1,201 1,201 - 50 5 46 1,161 1,161 - 53 8 45
40 Singapura 1,943 1,907 37 11,535 8,140 3,395 2,919 2,844 75 14,255 9,880 4,374 3,106 2,995 111 11,674 9,876 1,798 3,572 3,467 105 11,830 8,818 3,011 3,208 2,978 229 12,110 9,247 2,861 3,547 3,340 207 12,271 9,695 2,574 3,652 3,445 207 13,253 10,533 2,719 3,399 3,169 230 1

22 Bank Indonesia
2023 2023 2023 2023 2023 2023
Mar* Apr* May* Jun* Jul* Aug*
Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks Total Banks Nonbanks
24,671 21,287 3,378 53,243 39,962 13,249 27,502 24,280 3,213 53,664 39,947 13,636 24,981 21,859 3,112 53,832 40,127 13,674 24,089 20,396 3,683 53,667 39,592 14,051 23,746 20,513 3,224 52,148 38,102 14,009 23,714 19,736 3,967 53,495 38,840 14,619 All Cross-Border (Nonresident) 1
America 2
10,358 7,986 2,367 2,575 1,890 676 12,478 10,318 2,153 2,643 1,970 658 11,828 9,659 2,161 2,567 2,032 527 10,904 8,307 2,588 2,655 2,119 526 10,564 7,931 2,624 2,427 1,909 504 10,747 7,966 2,771 2,814 1,970 832 United States of America (US) 3
60 60 0 34 7 27 41 41 0 36 6 29 28 28 0 59 8 51 33 33 - 34 9 25 33 33 - 32 6 26 30 30 - 30 6 24 Canada (CA) 4
0 - 0 5 0 5 0 0 0 5 0 5 0 0 0 5 0 5 0 0 - 5 0 5 - - - 5 0 5 - - - 5 0 5 Brazil (BR) 5
Europe 6
11 11 0 124 38 86 75 75 0 119 42 76 5 5 0 123 48 75 5 5 - 138 48 90 37 37 0 154 48 106 6 6 - 170 58 112 Netherlands (NL) 7
318 318 0 255 243 13 43 43 0 252 240 12 60 60 0 291 278 13 51 51 0 165 152 13 60 60 0 107 95 12 41 41 0 143 128 15 Belgium (BE) 8
1,162 1,160 1 2,868 2,182 686 1,288 1,286 3 3,008 2,280 729 1,143 1,143 1 3,017 2,269 748 1,173 1,172 1 2,881 2,131 750 1,146 1,146 0 2,820 2,110 710 1,156 1,155 0 2,873 2,181 692 United Kingdom (GB) 9
345 345 0 687 632 55 407 407 0 701 645 56 389 389 0 724 666 58 378 378 - 765 709 56 321 321 - 699 646 53 282 281 - 683 630 53 Germany (DE) 10
66 66 - 20 9 11 51 51 - 19 7 12 51 51 - 16 5 10 1 1 - 15 5 10 81 81 - 10 5 5 76 76 - 16 6 10 Norway (NO) 11
163 157 6 628 514 113 674 669 6 661 534 127 330 324 6 652 520 132 416 411 5 661 531 130 642 637 6 629 495 134 524 519 5 618 484 133 France (FR) 12
25 25 0 162 84 78 23 23 0 172 79 93 35 30 5 180 85 95 25 23 2 172 76 95 22 22 0 144 65 79 23 21 2 153 76 77 Switzerland, including BIS (CH) 13
51 51 - 28 16 11 86 86 - 25 14 11 69 69 - 29 17 11 80 80 - 31 20 11 49 49 - 28 17 11 73 73 - 25 14 11 Saudi Arabia (SA) 15
0 0 - 6 3 3 0 0 - 6 4 2 0 0 - 6 3 2 0 0 - 6 3 2 - - - 7 5 2 0 0 - 6 3 2 Kuwait (KW) 16
0 0 - 3 0 2 0 0 - 3 0 3 0 0 - 3 0 3 0 0 - 2 0 2 0 0 - 3 0 3 0 0 - 3 0 3 Egypt (EG) 17
255 255 - 574 560 14 260 260 - 586 572 15 256 256 - 581 563 18 254 254 - 576 561 15 252 252 - 575 559 16 250 250 - 569 554 15 Qatar (QA) 18
12 12 - 247 18 230 8 8 - 260 20 240 8 8 - 245 19 226 10 10 - 243 19 224 11 11 - 57 19 39 17 17 - 246 22 224 United Arab Emirates (AE) 19
Asia and Pacific 20
364 364 0 949 744 205 386 385 0 1,037 760 278 326 326 0 995 753 242 352 352 0 970 744 225 356 355 0 954 733 221 316 316 - 927 726 201 Australia (AU) 21
1 1 0 2 0 2 1 1 0 2 0 1 1 1 0 1 0 1 1 1 - 1 0 1 1 1 - 1 0 1 1 1 - 1 0 1 Brunei Darussalam (BN) 22
67 67 0 46 30 16 81 81 0 46 29 17 59 59 0 47 29 18 79 79 - 44 26 18 78 78 - 28 10 18 39 39 0 28 9 19 Philippines (PH) 23
34 33 0 278 226 52 79 79 0 282 231 50 63 63 0 289 238 51 62 62 - 285 234 52 74 74 - 286 239 47 39 39 0 288 240 49 India (IN) 24
1,984 1,977 7 14,710 11,059 3,631 2,040 2,033 7 14,950 11,150 3,737 1,116 1,112 4 14,887 11,160 3,710 1,147 1,142 5 14,867 11,143 3,712 1,207 1,203 5 14,605 10,833 3,754 982 977 5 14,914 11,192 3,704 Japan (JP) 25
- - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 Cambodia (KH) 26
1,100 1,094 6 3,833 2,830 1,003 1,074 1,069 5 4,075 3,045 1,030 1,113 1,108 5 3,999 2,987 1,012 1,162 1,157 5 4,476 2,918 1,557 1,055 1,050 6 4,180 2,627 1,553 1,034 1,029 5 4,344 2,807 1,537 South Korea (KR) 27
- - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 - - - 0 - 0 Lao PDR (LA) 28
739 197 542 3,105 2,722 383 767 214 553 3,038 2,639 399 771 229 541 3,025 2,599 426 801 262 540 3,025 2,612 414 246 238 8 2,783 2,419 365 684 152 532 2,974 2,595 379 Malaysia (MY) 29
- - - 2 - 2 - - - 2 - 2 - - - 2 - 2 - - - 1 - 1 - - - 2 - 2 - - - 2 - 2 Myanmar (MM) 30
33 33 - 19 7 12 31 31 - 15 4 12 33 33 - 16 5 11 31 31 - 19 8 11 29 29 - 21 10 11 31 31 - 20 9 12 New Zealand (NZ) 31
54 39 15 452 114 338 81 71 10 452 110 341 80 70 10 455 114 341 115 106 10 444 107 337 139 126 13 429 101 328 172 164 8 446 115 331 China, Taipei (TW) 32
144 143 0 1,389 1,361 28 111 110 0 1,367 1,330 37 97 96 1 1,338 1,310 27 143 142 1 1,346 1,325 21 143 142 0 1,255 1,231 25 157 157 0 1,354 1,334 21 Thailand (TH) 33
55 55 - 64 57 8 58 58 - 95 87 8 71 71 - 71 62 9 56 56 - 77 68 9 67 67 - 91 82 10 64 64 - 88 79 9 Timor Leste (TL) 34
1,700 1,652 49 2,251 2,092 159 1,852 1,833 19 2,217 2,054 163 1,700 1,693 8 2,425 2,258 167 1,743 1,736 7 2,394 2,231 163 1,826 1,784 42 2,462 2,251 210 1,690 1,649 41 2,472 2,238 235 China (CN) 35
16 16 0 20 18 2 28 28 - 13 11 2 37 37 - 12 10 2 50 50 - 11 9 2 83 83 - 13 11 2 100 100 0 15 13 2 Vietnam (VN) 36
Offshore centres 37
842 790 52 3,701 2,289 1,412 937 888 50 3,631 2,149 1,482 772 726 46 3,204 1,625 1,579 751 714 37 3,182 1,607 1,575 751 716 35 3,076 1,671 1,405 761 732 30 3,020 1,676 1,343 Hong Kong (HK) 38
1,195 1,195 - 50 4 46 1,228 1,227 - 58 13 45 1,232 1,231 - 44 6 38 1,062 1,061 - 62 30 33 1,067 1,067 - 44 11 33 1,171 1,171 - 39 4 35 Cayman Islands (KY) 39
3,396 3,064 332 12,511 9,769 2,740 3,063 2,658 404 12,158 9,391 2,764 3,133 2,808 325 12,688 9,840 2,843 3,073 2,591 481 12,340 9,582 2,756 3,183 2,697 486 12,324 9,385 2,935 3,054 2,488 566 12,278 9,129 3,144 Singapore (SG) 40
121 119 2 1,646 446 1,200 249 246 3 1,732 532 1,200 173 173 1 1,837 618 1,219 130 129 1 1,773 566 1,207 223 223 1 1,898 511 1,387 195 194 0 1,933 545 1,388 Others 41
Note:
LBS describes outstanding claims and liabilities of banks located in Indonesia to non resident for
1)
each instruments breakdown, based on Guidelines Bank for International Settlements (BIS)
- Since January 2022, counterpart information on unrelated banks and related offices is not provided
due to the limitation of data sources
- Since January 2022, there has been a shifting data on Loan & Deposit to Other Claims/Liabilities
due to limited data sources

23 Bank Indonesia
TABEL 5d.1. LOCATIONAL BANKING STATISTICS (LBS) INDONESIA TERHADAP
NONRESIDEN (CROSS-BORDER) PADA SEKTOR BANK BERDASARKAN SUB-SEKTOR
LAWAN 1)
TABEL 5d.1. LOCATIONAL BANKING STATISTICS (LBS) INDONESIA VIS A VIS

NONRESIDENT (CROSS-BORDER) IN BANKING SECTOR BY COUNTERPARTY SUB-
SECTOR 1)
2022 2022 2022 2022 2022 2023 2023 2023 2023 2023 2023 2023 2023
2018 2019 2020 2021 2022
Aug Sep Oct Nov Dec Jan* Feb* Mar* Apr* May* Jun* Jul* Aug*
Negara Mitra Satuan/ Unit Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Counterparty Countries
Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related Related
Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total Total
Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices Offices
1 Seluruh Negara Mitra USD Juta/ Millions of USD 13,896 6,847 42,141 32,620 14,558 6,314 43,220 34,456 18,022 8,312 43,629 35,549 18,883 8,846 40,899 33,048 23,326 10,434 39,568 - 23,963 9,822 39,357 - 22,177 9,504 39,755 - 21,516 9,324 39,825 - 23,278 10,428 39,870 - 23,326 10,434 39,568 - 24,944 10,900 41,635 - 22,516 10,159 40,353 - 21,287 10,339 39,962 - 24,280 11,179 39,947 - 21,859 10,185 40,127 - 20,396 10,354 39,592 - 20,513 10,282 38,102 - 19,736 10,437 38,840 - All Counterparty Countries 1
2 Amerika - - - - America 2
3 Amerika Serikat USD Juta/ Millions of USD 6,603 2,643 3,593 3,133 5,544 2,265 3,701 3,411 7,697 3,389 4,024 3,358 7,651 3,230 3,319 2,640 9,510 3,831 2,017 - 9,221 3,968 1,815 - 8,246 3,708 1,765 - 7,883 3,581 1,957 - 8,738 3,857 1,897 - 9,510 3,831 2,017 - 10,827 4,940 2,939 - 8,995 4,464 2,574 - 7,986 4,466 1,890 - 10,318 4,668 1,970 - 9,659 4,623 2,032 - 8,307 4,889 2,119 - 7,931 4,724 1,909 - 7,966 5,249 1,970 - United States of America 3
4 Kanada USD Juta/ Millions of USD 21.46 2.51 170 - 20.45 5.15 10.11 0.10 69 6 3 0 30 1 11 0 35 1 10 - 20.06 0.62 8.68 - 20.67 0.51 8.50 - 23.54 0.56 7.70 - 26.23 0.58 9.48 - 34.56 0.60 9.58 - 28.26 0.80 7.05 - 104.30 0.79 6.60 - 60.07 0.81 6.60 - 41.29 0.92 6.38 - 27.85 0.93 8.25 - 33.44 0.89 8.65 - 32.57 0.81 6.19 - 30.22 0.59 5.84 - Canada 4
5 Brazil USD Juta/ Millions of USD 0.07 - 0.13 - 0.85 - 0.14 - 0 - 0 - 0 - 0 - 1 - 0 - 0.97 - 0.02 - 0.87 - 0.06 - 0.61 - 0.12 - - - 0.08 - 0.64 - 0.16 - 0.03 - - - - - 0.05 - - - 0.15 - 0.12 - 0.10 - 0.12 - 0.11 - 0.12 - 0.11 - - - 0.08 - - - 0.17 - Brazil 5
6 Eropa - - - - Europe 6
7 Belanda USD Juta/ Millions of USD 15.91 5.54 374 350 70 0.04 227 206 7 - 22 1 10 - 65 - 5 - 36 - 46.34 - 131.71 - 48.46 - 111.15 - 69.79 - 109.85 - 66.06 - 39.91 - 5.36 - 35.59 - 87.49 - 29.69 - 5.88 - 38.76 - 10.74 - 38.19 - 74.76 - 42.30 - 4.60 - 47.54 - 4.65 - 47.95 - 37.12 - 47.73 - 6.15 - 57.56 - Netherlands 7
8 Belgia USD Juta/ Millions of USD 75.52 - 113 - 58 - 141 - 43 - 168 - 57 - 256 - 92 1 261 - 71 16 259 - 138 15 290 - 147 0 235 - 61 1 214 - 92 1 261 - 365 1 302 - 168 1 207 - 318 - 243 - 43 - 240 - 60 - 278 - 51 - 152 - 60 - 95 - 41 - 128 - Belgium 8
9 Inggris USD Juta/ Millions of USD 602 458 3,378 2,341 915 392 2,442 2,138 1,048 622 2,540 2,231 1,087 522 2,500 2,213 1,495 594 1,474 - 1,531 589 1,506 - 1,458 625 1,536 - 1,430 675 1,497 - 1,577 749 1,460 - 1,495 594 1,474 - 1,226 310 2,106 - 1,143 301 2,110 - 1,160 347 2,182 - 1,286 317 2,280 - 1,143 340 2,269 - 1,172 337 2,131 - 1,146 327 2,110 - 1,155 335 2,181 - United Kingdom 9
10 Jerman USD Juta/ Millions of USD 352 145 676 570 520 212 759 655 349 72 637 605 420 84 524 477 364 38 605 - 319 38 642 - 370 43 655 - 572 38 614 - 446 48 599 - 364 38 605 - 575 179 600 - 363 99 633 - 345 112 632 - 407 123 645 - 389 81 666 - 378 79 709 - 321 106 646 - 281 67 630 - Germany 10
11 Norwegia USD Juta/ Millions of USD 81 0.28 6.30 - 20.98 0.28 11.57 - 116 0 7 - 1 0 4 - 50 0 6 - 105.72 0.24 6.32 - 85.76 0.22 5.80 - 51.17 0.23 4.83 - 75.93 0.24 5.72 - 50.45 0.24 6.14 - 106.25 0.24 8.96 - 101.01 0.23 10.09 - 65.80 0.22 8.74 - 51.12 0.22 7.19 - 51.15 0.21 5.45 - 1.07 0.22 5.10 - 81.12 0.23 5.43 - 75.99 0.22 5.62 - Norway 11
12 Perancis USD Juta/ Millions of USD 105 101.52 980 608 263 98 654 576 414 108 635 556 81 14 566 498 443 25 1,617 - 738.53 19.11 627.14 - 420.75 25.77 689.08 - 377.21 35.75 653.08 - 540.68 22.11 639.09 - 443.30 25.28 1,617.12 - 616.27 26.42 573.99 - 436.73 15.76 504.06 - 157.32 9.71 514.49 - 668.66 17.71 533.68 - 324.49 11.50 519.77 - 410.76 9.71 531.20 - 636.54 15.48 494.57 - 519.16 3.95 483.95 - France 12
13 Swiss (termasuk BIS) USD Juta/ Millions of USD 29.11 0.54 50 0.38 45.03 0.54 32.82 0.37 26 0 85 0 111 1 130 0 35 1 76 - 20.94 0.72 70.90 - 36.79 0.84 77.57 - 21.15 0.75 75.89 - 78.35 0.90 74.89 - 35.16 1.02 76.16 - 30.24 1.20 80.22 - 31.50 1.40 80.04 - 24.64 1.43 84.20 - 22.59 1.44 79.06 - 30.03 1.81 84.64 - 23.00 1.64 76.24 - 21.84 1.73 65.05 - 21.45 1.64 76.32 - Switzerland (including BIS) 13
14 Afrika dan Timur Tengah - - - - Africa and Middle East 14
15 Arab Saudi USD Juta/ Millions of USD 58.20 - 8.76 0.00 81 - 11.82 0.00 77 - 12 0 46 - 52 0 32 - 16 - 43.38 - 14.14 - 46.83 - 15.04 - 38.26 - 15.46 - 38.83 - 13.21 - 32.24 - 15.90 - 39.57 - 13.30 - 42.30 - 13.96 - 50.86 - 16.49 - 86.15 - 13.88 - 68.99 - 17.24 - 80.19 - 19.86 - 49.27 - 16.76 - 72.70 - 13.78 - Saudi Arabia 15
16 Kuwait USD Juta/ Millions of USD 0.55 0.03 25.68 - 0.08 0.03 37.09 - 1 0 37 - 0 0 16 - 0 - 3 - 10.35 - 3.65 - 0.05 - 3.57 - 0.13 - 3.50 - 0.08 - 3.46 - 0.08 - 3.19 - 0.11 - 3.32 - 0.16 - 3.41 - 0.03 - 3.49 - 0.03 - 3.55 - 0.03 - 3.43 - 0.06 - 3.41 - - - 4.72 - 0.18 - 3.17 - Kuwait 16
17 Mesir USD Juta/ Millions of USD 1.39 - 4.39 - 2.80 0.38 4.53 - 1 - 0 - 3 - 1 - - - 0 - 3.28 - 0.04 - 1.93 - 0.04 - - - 0.05 - 0.04 - 0.04 - - - 0.04 - 0.29 - 0.04 - - - 0.04 - 0.19 - 0.04 - 0.27 - 0.05 - 0.35 - 0.04 - 0.08 - 0.04 - 0.16 - 0.04 - 0.24 - 0.04 - Egypt 17
18 Qatar USD Juta/ Millions of USD 66.14 65.58 379 378 68.65 68.53 470 469 154 139 424 419 245 244 520 519 246 245 561 - 252.54 252.00 524.65 - 250.54 250.15 511.99 - 245.21 244.86 502.05 - 243.91 243.33 559.58 - 245.67 245.42 560.54 - 257.22 256.87 587.79 - 251.95 251.74 575.86 - 254.75 254.54 559.68 - 260.00 259.58 571.87 - 255.59 255.20 563.26 - 253.68 253.68 560.66 - 252.46 252.38 559.01 - 249.53 249.48 553.59 - Qatar 18
19 Uni Emirat Arab USD Juta/ Millions of USD 12.58 0.01 16.31 - 5.52 0.01 9.67 - 33 0 13 - 32 - 13 - 33 - 17 - 72.82 14.97 16.72 - 99.63 14.98 17.25 - 49.19 15.05 16.53 - 48.99 15.00 16.65 - 33.28 - 16.79 - 34.79 - 16.43 - 37.45 - 16.37 - 12.24 - 17.58 - 8.05 - 19.72 - 7.70 - 18.74 - 10.49 - 18.52 - 11.44 - 18.72 - 17.40 - 21.92 - United Arab Emirates 19
20 Asia dan Pasifik - - - - Asia and Pacific 20
21 Australia USD Juta/ Millions of USD 247 29.51 931 852 237 43.44 941 849 368 88 875 825 408 48 763 697 323 81 738 - 263.93 51.58 738.41 - 287.31 61.63 742.33 - 313.67 67.95 728.38 - 334.65 64.55 727.91 - 322.90 80.82 737.97 - 328.47 85.93 772.66 - 331.02 92.27 743.64 - 364.04 93.17 743.52 - 385.17 124.61 759.68 - 325.58 87.09 753.08 - 351.72 108.48 744.40 - 355.45 103.86 732.61 - 315.94 98.01 725.60 - Australia 21
22 Brunai Darusalam USD Juta/ Millions of USD 0.43 - 0.03 0.01 0.29 - 0.06 0.01 0 - 0 - 0 - 0 - 1 - 0 - 0.61 - 0.04 - 0.54 - 0.03 - 0.63 - 0.03 - 0.71 - 0.02 - 0.78 - 0.04 - 0.90 - 0.04 - 1.01 - 0.04 - 0.97 - 0.04 - 1.16 - 0.17 - 1.05 - 0.05 - 0.91 - 0.06 - 0.66 - 0.03 - 0.63 - 0.05 - Brunei Darussalam 22
23 Filipina USD Juta/ Millions of USD 6.83 - 6.41 - 11.96 - 4.21 - 4 - 17 - 2 - 49 - 25 - 24 - 1.80 - 31.42 - 1.50 - 40.00 - 16.43 - 21.10 - 24.89 - 26.90 - 24.53 - 24.24 - 49.29 - 26.18 - 25.03 - 25.06 - 67.15 - 29.51 - 80.77 - 29.29 - 58.59 - 28.81 - 78.52 - 26.30 - 77.61 24.02 10.11 - 38.97 9.40 9.37 - Philippines 23
24 India USD Juta/ Millions of USD 180 60.14 149 111 68 46.37 133 118 55 47 133 119 59 51 244 232 125 46 216 - 356.92 48.70 161.15 - 305.55 47.58 163.85 - 309.06 47.04 160.87 - 203.68 46.81 148.25 - 125.41 46.40 216.35 - 34.73 22.11 237.89 - 35.66 21.48 220.25 - 33.49 21.29 226.14 - 78.95 47.01 231.09 - 63.41 50.90 238.13 - 61.98 54.47 233.69 - 73.65 54.25 239.21 - 38.71 28.49 239.50 - India 24
25 Jepang USD Juta/ Millions of USD 479 275 9,257 8,962 729 309 9,841 9,519 728 352 10,401 10,292 843 302 10,810 10,648 827 389 10,675 - 684 303 10,811 - 691 289 10,683 - 586 221 10,672 - 688 308 10,638 - 827 389 10,675 - 1,438 439 11,043 - 1,523 416 10,994 - 1,977 643 11,059 - 2,033 1,192 11,150 - 1,112 316 11,160 - 1,142 372 11,143 - 1,203 529 10,833 - 977 307 11,192 - Japan 25
26 Kamboja USD Juta/ Millions of USD 0 - - - 0.03 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 0 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Cambodia 26
27 Korea Selatan USD Juta/ Millions of USD 106.14 39.37 2,028 1,811 71.52 41.21 1,780 1,650 297 198 2,240 2,156 722 523 2,383 2,203 1,013 757 3,155 - 1,037 683 3,182 - 967 655 3,197 - 938 643 3,078 - 848 657 3,068 - 1,013 757 3,155 - 1,044 795 3,017 - 1,027 794 2,836 - 1,094 863 2,830 - 1,069 858 3,045 - 1,108 899 2,987 - 1,157 973 2,918 - 1,050 937 2,627 - 1,029 941 2,807 - South Korea 27
28 Laos USD Juta/ Millions of USD - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Lao PDR 28
29 Malaysia USD Juta/ Millions of USD 68.56 40.84 2,662 2,238 53.49 37.33 2,501 2,302 51 22 2,411 2,323 72 18 2,922 2,673 239 15 2,580 - 49 9 2,566 - 38 11 2,458 - 193 11 2,490 - 383 13 2,633 - 239 15 2,580 - 237 13 2,710 - 217 13 2,646 - 197 10 2,722 - 214 11 2,639 - 229 10 2,599 - 262 9 2,612 - 238 9 2,419 - 152 9 2,595 - Malaysia 29
30 Myanmar USD Juta/ Millions of USD - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Myanmar 30
31 Selandia Baru USD Juta/ Millions of USD 14.72 2.53 6.31 0.07 17.03 3.88 5.03 0.41 16 5 3 0 28 7 4 1 33 6 6 - 37.55 6.97 4.09 - 36.00 5.95 4.11 - 28.92 5.17 3.28 - 34.16 7.39 5.70 - 33.48 6.41 5.96 - 40.56 5.98 6.41 - 36.82 6.75 4.81 - 32.79 6.88 7.14 - 31.10 5.89 3.73 - 32.65 6.76 5.12 - 30.73 5.01 7.69 - 28.56 3.38 9.55 - 30.52 3.29 8.64 - New Zealand 31
32 Taiwan USD Juta/ Millions of USD 5.65 1.62 76.83 11.41 5.76 0.97 93.71 11.10 11 1 168 11 30 1 123 13 54 1 118 - 72.29 0.99 63.47 - 79.86 2.11 81.10 - 36.21 0.86 83.17 - 50.48 1.56 119.21 - 54.41 0.89 118.12 - 60.90 0.85 107.80 - 49.68 0.85 109.30 - 39.39 7.20 114.29 - 70.83 38.04 110.22 - 69.62 42.47 113.71 - 105.57 67.26 107.05 - 126.05 80.71 100.72 - 163.54 112.89 114.58 - China, Taipei 32
33 Thailand USD Juta/ Millions of USD 72.72 4.92 1,488 1,429 46.66 5.66 1,680 1,631 110 33 2,117 2,085 170 92 1,443 1,388 159 26 1,300 - 192.24 81.84 1,567.86 - 128.40 6.13 1,293.13 - 90.30 9.90 1,323.88 - 128.03 11.42 1,323.71 - 158.60 26.41 1,300.20 - 124.27 32.22 1,350.35 - 130.01 32.27 1,330.89 - 143.32 33.34 1,361.20 - 110.22 19.90 1,329.77 - 96.39 15.56 1,310.44 - 142.44 16.45 1,324.70 - 142.46 13.68 1,230.86 - 156.59 23.14 1,333.65 - Thailand 33
34 Timor Leste USD Juta/ Millions of USD 121 121 137.16 136.78 52.23 52.23 80 80 30 30 42 42 38 38 44 44 44 44 109 - 68.72 68.72 70.11 - 46.37 46.37 30.92 - 67.85 67.85 39.41 - 77.23 77.23 79.28 - 43.74 43.74 108.80 - 80.86 80.86 69.33 - 74.66 74.66 51.75 - 55.35 55.35 56.69 - 58.25 58.25 86.81 - 70.71 70.71 62.18 - 56.42 56.42 67.60 - 67.13 67.13 81.83 - 63.83 63.83 78.58 - Timor Leste 34
35 Tiongkok USD Juta/ Millions of USD 312 57.35 4,458 1,599 408 107.57 4,349 1,813 616 189 3,365 1,635 615 304 2,701 1,267 2,221 473 2,134 - 2,168 292 2,314 - 1,836 328 2,161 - 1,952 315 2,162 - 2,208 478 2,164 - 2,221 473 2,134 - 1,872 414 2,369 - 1,829 416 2,178 - 1,652 368 2,092 - 1,833 341 2,054 - 1,693 291 2,258 - 1,736 253 2,231 - 1,784 257 2,251 - 1,649 216 2,238 - China 35
36 Vietnam USD Juta/ Millions of USD 41.29 - 21.22 - 12.49 0.20 25.60 0.96 47 - 110 100 184 - 25 - 138 8 10 - 344.58 - 24.50 - 318.77 - 24.36 - 305.13 11.79 12.27 - 199.64 12.58 9.41 - 137.80 8.27 9.77 - 106.73 29.56 10.46 - 87.80 8.92 17.66 - 16.17 - 17.82 - 27.61 9.63 11.03 - 36.94 15.58 10.47 - 50.13 15.36 9.00 - 82.93 9.46 10.86 - 100.17 13.88 13.05 - Vietnam 36
37 Offshore centres - - - - Offshore centres 37
38 Hong Kong USD Juta/ Millions of USD 1,234 1,022 2,605 1,481 1,263 1,078 3,038 1,396 1,949 1,619 2,848 881 1,342 898 2,098 855 1,247 1,029 2,089 - 1,466 932 2,015 - 1,285 890 2,165 - 1,274 945 2,072 - 1,220 1,032 2,168 - 1,247 1,029 2,089 - 821 630 2,349 - 718 593 2,220 - 790 653 2,289 - 888 687 2,149 - 726 628 1,625 - 714 530 1,607 - 716 532 1,671 - 732 544 1,676 - Hong Kong 38
39 Cayman, Kepulauan USD Juta/ Millions of USD 904 758 0.62 0.05 952 611 0.35 0.18 548 496 0 0 1,011 912 4 1 1,321 1,242 26 - 1,130.59 1,030.81 10.74 - 1,163.42 1,063.55 0.52 - 992.07 992.07 5.14 - 1,262.10 1,212.12 1.54 - 1,321.02 1,241.85 25.99 - 1,200.91 1,150.88 4.96 - 1,160.52 1,110.60 7.61 - 1,195.12 1,115.48 3.89 - 1,227.31 1,117.91 13.10 - 1,231.36 1,121.21 5.64 - 1,061.17 951.41 29.73 - 1,066.59 956.61 11.25 - 1,170.59 1,010.69 4.45 - Cayman Islands 39
40 Singapura USD Juta/ Millions of USD 1,907 962 8,140 6,341 2,844 887 9,880 7,435 2,995 875 9,876 7,642 3,467 1,548 8,818 6,389 2,978 1,471 9,247 - 3,340 1,341 9,695 - 3,445 1,324 10,533 - 3,169 1,290 10,814 - 3,357 1,465 10,730 - 2,978 1,471 9,247 - 3,090 1,478 9,785 - 3,369 1,436 9,663 - 3,064 1,270 9,769 - 2,658 1,273 9,391 - 2,808 1,311 9,840 - 2,591 1,362 9,582 - 2,697 1,271 9,385 - 2,488 1,144 9,129 - Singapore 40
41 Lainnya USD Juta/ Millions of USD 171 50 400 269 170 49 357 194 160 22 418 270 114 8 494 293 236 110 444 - 294 73 476 - 321 90 492 - 335 106 468 - 318 104 494 - 236 110 444 - 221 5 509 - 219 7 532 - 119 7 446 - 246 7 532 - 173 7 618 - 129 8 566 - 223 7 511 - 194 6 545 - Others 41
Keterangan: Note:
1)
LBS ini menggambarkan aset dan kewajiban pada laporan keuangan (neraca) bank dalam negeri terhadap
1)
Bukan Penduduk dalam semua jenis instrumen, sesuai dengan Guidelines Bank for International
Settlements (BIS)
- Tahun 2023 menggunakan banking list 2022. - In 2023, using the 2022 banking list.
- Sejak Januari 2022, informasi golongan lawan antar bank dan antar kantor tidak tersedia karena - Since January 2022, counterpart information on unrelated banks and related offices is not provided due to the limitation
keterbatasan sumber data of data sources
- Sejak Januari 2022, terdapat perpindahan klasifikasi data Loan & Deposit ke Other - Since January 2022, there has been a shifting data on Loan & Deposit to Other Claims/Liabilities due to limited data
Claims/Liabilitieskarena keterbatasan sumber data sources

24 Bank Indonesia
2022 2022 2022 2022 2022 2023
2018 2019 2020 2021 2022
Aug Sep Oct Nov Dec Jan*
Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims
Negara Mitra Satuan/Unit
Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others Total Others
1 Seluruh Negara Mitra 1,734 818 815 100.07 7,732 4,933 2,006 792 1,849 909 873 67.49 9,377 6,251 2,218 908 1,030 74 791 164.23 9,862 6,201 2,566 1,095 1,131 64 853 214.95 12,597 7,623 3,351 1,623 2,555 494 597 1,463 12,999 8,915 2,624 1,460 1,915 191 643 1,080 12,515 8,574 2,542 1,399 1,788 172 625 991 12,465 8,662 2,414 1,389 1,684 234 608 843 12,684 8,732 2,538 1,414 1,815 328 593 893 12,686 8,495 2,755 1,437 2,555 494 597 1,463 12,999 8,915 2,624 1,460 3,796 1,241 640 1,916
2 Amerika - - - - - - - -
3 Amerika Serikat 95.17 0.00 13.08 82.08 418 214 150 53.65 94.82 - 60.34 34.48 417 262 96 59.08 184.15 11.46 13.31 159.38 528 378 86 63.13 166.00 2.19 6.43 157.39 529 407 46 75.67 1,674.00 414.00 1.00 1,259.00 690.00 490.00 147.00 54.00 1,015.00 128.00 - 886.00 665.00 405.00 207.00 53.00 890.00 103.00 - 786.00 611.00 409.00 149.00 53.00 759.00 144.00 - 615.00 684.00 450.00 178.00 57.00 903.00 242.00 1.00 660.00 672.00 455.00 164.00 53.00 1,674.00 414.00 1.00 1,259.00 690.00 490.00 147.00 54.00 2,949.00 1,168.00 1.00 1,780.00
4 Kanada - - - - 20.41 2.00 9.91 8.51 - - - - 34.55 1.86 20.05 12.64 0 - - 0 24.84 0.59 7.16 17.09 0 - - 0 36.00 0.97 23.06 11.98 - - - - 32.00 1.00 16.00 15.00 - - - - 25.00 1.00 8.00 16.00 - - - - 48.00 1.00 30.00 16.00 - - - - 26.00 1.00 10.00 15.00 - - - - 25.00 1.00 8.00 15.00 - - - - 32.00 1.00 16.00 15.00 - - - -
5 Brazil - - - - 2.22 - 0.06 2.16 - - - - 3.14 - 0.04 3.10 - - - - 4.48 - 0.02 4.47 - - - - 5.39 - 0.10 5.29 - - - - 5.00 - - 4.00 - - - - 4.00 - - 4.00 - - - - 5.00 - - 5.00 - - - - 5.00 - - 5.00 - - - - 4.00 - - 4.00 - - - - 5.00 - - 4.00 - - - -
6 Eropa - - - - - - - -
7 Belanda 22.14 16.02 6.12 0.01 47.37 10.78 16.56 20.03 73.03 73.03 - 0.01 40.20 8.61 8.84 22.75 - - - - 39.58 5.68 6.84 27.06 0.01 - - 0.01 64.11 3.48 31.87 28.76 - - - - 73.00 8.00 32.00 33.00 - - - - 83.00 17.00 33.00 33.00 6.00 - 6.00 - 67.00 10.00 24.00 33.00 - - - - 78.00 13.00 33.00 33.00 - - - - 63.00 8.00 22.00 33.00 - - - - 73.00 8.00 32.00 33.00 - - - -
8 Belgia 0.04 - 0.04 - 9.50 0.21 0.24 9.05 0.05 - 0.04 0.00 8.68 0.20 0.20 8.28 0.05 - 0.05 - 10.17 0.62 0.32 9.23 0.04 - 0.04 - 10.46 0.62 0.41 9.43 - - - - 11.00 1.00 - 10.00 - - - - 11.00 1.00 - 10.00 - - - - 11.00 1.00 - 10.00 - - - - 11.00 1.00 - 10.00 - - - - 10.00 1.00 - 9.00 - - - - 11.00 1.00 - 10.00 - - - -
9 Inggris 0.07 0.03 0.03 0.01 325 246 45.17 33.14 3.99 2.13 1.85 0.01 500 450 15.51 34.61 3.57 3.49 0.08 0.00 649 582 18.94 47.50 13.02 12.83 0.16 0.03 904 819 37.36 47.01 - - - - 711.00 636.00 30.00 45.00 2.00 2.00 - - 690.00 606.00 38.00 46.00 - - - - 690.00 617.00 28.00 45.00 - - - - 715.00 647.00 25.00 44.00 - - - - 731.00 664.00 22.00 46.00 - - - - 711.00 636.00 30.00 45.00 - - - -
10 Jerman 3.75 0.00 3.74 0.00 66.53 35.21 16.09 15.23 2.90 - 2.90 - 79.04 46.87 13.76 18.42 0.39 - 0.39 - 45.64 20.97 3.91 20.76 0.00 - - 0.00 53.37 23.15 5.92 24.30 - - - - 52.00 16.00 5.00 30.00 - - - - 55.00 21.00 5.00 29.00 - - - - 56.00 21.00 6.00 29.00 - - - - 55.00 21.00 6.00 29.00 - - - - 56.00 21.00 6.00 29.00 - - - - 52.00 16.00 5.00 30.00 - - - -
11 Norwegia - - - - 5.42 0.98 0.49 3.95 - - - - 21.05 4.17 0.13 16.75 - - - - 17.67 5.42 2.26 9.99 - - - - 23.84 4.55 10.50 8.78 - - - - 8.00 1.00 2.00 4.00 - - - - 11.00 1.00 1.00 8.00 - - - - 9.00 1.00 1.00 7.00 - - - - 9.00 1.00 1.00 6.00 - - - - 8.00 1.00 1.00 6.00 - - - - 8.00 1.00 2.00 4.00 - - - -
12 Perancis 4.82 4.48 0.34 0.00 53.68 5.56 1.20 46.91 4.73 4.20 0.53 0.00 112.06 32.25 27.95 51.86 4.28 4.14 0.14 - 67.98 10.08 3.48 54.42 5.02 4.72 0.30 0.01 96.62 36.50 1.94 58.18 5.00 5.00 - - 109.00 38.00 1.00 69.00 5.00 5.00 - - 94.00 33.00 1.00 60.00 4.00 4.00 - - 102.00 41.00 1.00 60.00 5.00 4.00 - - 106.00 38.00 1.00 66.00 5.00 4.00 - - 110.00 43.00 1.00 66.00 5.00 5.00 - - 109.00 38.00 1.00 69.00 6.00 5.00 - -
13 Swiss (termasuk BIS) - - - - 19.93 1.49 8.39 10.05 0.02 - - 0.02 52.34 34.12 7.90 10.33 0.22 - 0.19 0.03 62.60 42.97 10.27 9.35 0.08 - - 0.08 95.48 67.27 17.23 10.98 - - - - 82.00 62.00 9.00 11.00 5.00 - 5.00 - 63.00 45.00 9.00 10.00 - - - - 82.00 63.00 9.00 10.00 - - - - 90.00 63.00 9.00 18.00 - - - - 133.00 63.00 60.00 10.00 - - - - 82.00 62.00 9.00 11.00 - - - -
14 Afrika dan Timur Tengah - - - - - - - -
15 Arab Saudi 24.10 24.10 - - 20.94 17.92 1.97 1.04 30.07 30.07 - - 21.31 18.55 1.17 1.60 - - - - 23.29 17.63 0.70 4.96 - - - - 12.46 0.09 2.58 9.79 - - - - 12.00 1.00 2.00 9.00 - - - - 12.00 1.00 2.00 9.00 - - - - 12.00 1.00 2.00 9.00 - - - - 12.00 1.00 2.00 8.00 - - - - 12.00 1.00 2.00 9.00 - - - - 12.00 1.00 2.00 9.00 - - - -
16 Kuwait - - - - 1.92 0.90 0.80 0.22 - - - - 1.48 1.03 0.13 0.32 - - - - 1.41 0.97 0.13 0.32 - - - - 1.97 0.78 0.68 0.52 - - - - 3.00 1.00 - 1.00 - - - - 3.00 1.00 - 1.00 - - - - 3.00 2.00 - 1.00 - - - - 2.00 1.00 - 1.00 - - - - 2.00 1.00 - 1.00 - - - - 3.00 1.00 - 1.00 - - - -
17 Mesir - - - - 0.72 - - 0.72 - - - - 0.62 - - 0.62 - - - - 1.98 - - 1.98 - - - - 2.37 - 0.00 2.37 - - - - 2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - - 3.00 - - 3.00 - - - - 3.00 - - 3.00 - - - - 2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - -
18 Qatar - - - - 2.30 0.90 - 1.41 - - - - 17.67 15.34 - 2.33 - - - - 16.63 15.84 - 0.79 - - - - 24.80 15.66 7.84 1.30 - - - - 26.00 11.00 14.00 1.00 - - - - 28.00 12.00 15.00 1.00 - - - - 28.00 12.00 15.00 1.00 - - - - 26.00 11.00 14.00 1.00 - - - - 26.00 11.00 14.00 1.00 - - - - 26.00 11.00 14.00 1.00 - - - -
19 Uni Emirat Arab 552.45 - 552.45 - 122.16 4.35 111.35 6.46 575 - 575 - 192 4.45 182 5.55 567 - 567 - 214 5.41 201 7.10 560 - 560 - 228 14.96 209 3.99 - - - - 219.00 15.00 201.00 3.00 - - - - 241.00 13.00 224.00 4.00 - - - - 240.00 15.00 220.00 5.00 - - - - 221.00 13.00 205.00 4.00 - - - - 223.00 16.00 204.00 4.00 - - - - 219.00 15.00 201.00 3.00 - - - -
20 Asia dan Pasifik - - - - - - - -
21 Australia 0.02 - - 0.02 202 68.57 71.11 62.54 0.01 - - 0.01 329 69.84 186 73.67 0.00 - - 0.00 157 72.60 9 76.26 0.01 - - 0.01 196 74.66 39 82.68 - - - - 191.00 74.00 32.00 85.00 - - - - 244.00 75.00 83.00 86.00 - - - - 224.00 73.00 69.00 81.00 - - - - 202.00 72.00 48.00 81.00 - - - - 187.00 72.00 32.00 83.00 - - - - 191.00 74.00 32.00 85.00 - - - -
22 Brunai Darusalam - - - - 1.04 0.05 0.89 0.10 - - - - 1.28 0.05 0.97 0.27 0.00 - - 0.00 1.23 0.74 0.14 0.36 0.00 - - 0.00 1.47 0.79 0.04 0.63 - - - - 2.00 1.00 - 1.00 - - - - 2.00 1.00 1.00 1.00 - - - - 3.00 1.00 1.00 1.00 - - - - 2.00 1.00 1.00 1.00 - - - - 2.00 1.00 1.00 1.00 - - - - 2.00 1.00 - 1.00 - - - -
23 Filipina 0.01 - - 0.01 6.71 0.00 0.17 6.54 0.01 - - 0.01 20.25 0.00 0.15 20.11 - - - - 20.73 0.00 0.20 20.53 0.01 - - 0.01 22.38 0.00 0.13 22.25 - - - - 16.00 - - 16.00 - - - - 18.00 - - 18.00 - - - - 17.00 - - 17.00 - - - - 17.00 - - 17.00 - - - - 17.00 - - 17.00 - - - - 16.00 - - 16.00 - - - -
24 India 0.10 - 0.10 0.00 20.91 - 0.40 20.51 0.01 - - 0.01 23.59 1.02 1.03 21.55 0.27 0.26 - 0.00 38.35 11.83 0.93 25.60 14.35 14.34 - 0.01 47.09 4.62 2.63 39.84 - - - - 49.00 5.00 2.00 42.00 - - - - 51.00 5.00 1.00 45.00 - - - - 49.00 5.00 2.00 42.00 - - - - 50.00 5.00 2.00 43.00 - - - - 49.00 5.00 2.00 42.00 - - - - 49.00 5.00 2.00 42.00 - - - -
25 Jepang 762 756 6.63 0.09 688 490 115 83 788 784 3.15 0.04 282 42.86 148 91 17 0 17.01 0.03 3,189 2,309.55 779 100 17 - 16.45 0.07 3,223 2,351.08 737 134 1 - 1 - 3,514 3,253 116 145 6 - 6 - 3,544 3,339 61 144 5 - 4 - 3,497 3,285 70 143 4 - 3 - 3,461 3,249 73 140 1 - 1 - 3,401 3,188 73 140 1 - 1 - 3,514 3,253 116 145 3 - 3 -
26 Kamboja 0.00 - - 0.00 0.13 - 0.02 0.10 - - - - 0.09 - 0.01 0.08 - - - - 0.06 - 0.02 0.05 - - - - 0.17 - 0.04 0.13 - - - - - - - - - - - - 1.00 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
27 Korea Selatan 4.99 4.45 0.53 0.02 71.12 12.11 7.34 51.67 0.53 - 0.51 0.02 196 80.69 51.09 64 0.09 - 0.06 0.03 309 6.06 157.77 145 0.15 - 0.03 0.12 466 17.66 327.10 121 7 - 6 - 960 492 359 109 6 - 5 - 710 317 291 101 6 - 6 - 704 311 292 101 7 - 6 - 768 305 365 99 6 - 6 - 766 301 360 105 7 - 6 - 960 492 359 109 6 - 6 -
28 Laos - - - - 0.41 - - 0.41 - - - - 0.50 - - 0.50 - - - - 0.40 - - 0.40 - - - - 0.15 - 0.01 0.14 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
29 Malaysia 7.22 1.74 5.44 0.05 672 398 198 76.38 8.50 1.81 6.65 0.04 742 444 196 102 9.50 1.79 7.70 0.02 435 101 201 132 19.59 1.76 17.74 0.09 535 94 268 172 521 - 521 - 373 160 59 155 552 - 552 - 411 165 85 161 541 - 540 - 368 171 44 153 531 - 531 - 410 158 99 153 524 - 524 - 387 160 77 150 521 - 521 - 373 160 59 155 546 - 545 -
30 Myanmar 0.00 - - 0.00 1.65 - - 1.65 - - - - 1.61 - - 1.61 - - - - 1.67 - 0.01 1.67 - - - - 1.95 - 0.45 1.49 - - - - 1.00 - - 1.00 - - - - 2.00 - - 1.00 - - - - 1.00 - - 1.00 - - - - 1.00 - - 1.00 - - - - 1.00 - - 1.00 - - - - 1.00 - - 1.00 - - - -
31 Selandia Baru - - - - 6.07 0.11 0.22 5.74 0.00 - - 0.00 7.01 0.08 0.26 6.67 - - - - 7.64 0.14 0.23 7.26 0.00 - - 0.00 9.43 0.37 0.21 8.86 - - - - 10.00 - - 10.00 - - - - 11.00 - - 10.00 - - - - 10.00 - 1.00 9.00 - - - - 10.00 - 1.00 9.00 - - - - 10.00 - - 10.00 - - - - 10.00 - - 10.00 - - - -
32 Taiwan 0.32 - 0.32 0.01 386 287 72.67 26.43 0.01 - - 0.01 442 389 22.54 30.74 0.18 - 0.18 0.01 356 293 28.86 34.50 1.02 - 1.00 0.01 378 296 26.90 54.96 10.00 - - 10.00 322.00 253.00 19.00 50.00 10.00 - - 10.00 335.00 261.00 21.00 53.00 11.00 - - 11.00 332.00 262.00 20.00 50.00 24.00 - - 24.00 323.00 256.00 18.00 49.00 24.00 - 1.00 24.00 322.00 254.00 19.00 49.00 10.00 - - 10.00 322.00 253.00 19.00 50.00 11.00 - 1.00 10.00
33 Thailand 0.70 0.03 0.67 0.00 143.64 124.66 6.80 12.18 0.93 - 0.93 0.01 24.08 - 12.76 11.31 0.06 0.05 - 0.00 12.44 0.49 1.02 10.93 0.00 - - 0.00 17.99 0.52 4.81 12.65 - - - - 23.00 1.00 12.00 11.00 - - - - 24.00 1.00 12.00 11.00 - - - - 26.00 1.00 15.00 10.00 - - - - 24.00 1.00 12.00 11.00 - - - - 23.00 1.00 11.00 11.00 - - - - 23.00 1.00 12.00 11.00 - - - -
34 Timor Leste - - - - 1.87 - 0.18 1.69 - - - - 1.89 - 0.01 1.88 - - - - 2.94 - 0.01 2.92 - - - - 17.75 - 6.86 10.89 - - - - 8.00 - 1.00 7.00 - - - - 8.00 - 1.00 8.00 - - - - 9.00 - 1.00 8.00 - - - - 9.00 - 1.00 8.00 - - - - 8.00 - 1.00 7.00 - - - - 8.00 - 1.00 7.00 - - - -
35 Tiongkok 90.58 - 90.57 0.00 126 4.94 83.08 38.41 38.27 - 38.27 0.00 135 5.79 79.93 49.72 43.92 - 43.92 - 246 8.32 169.24 68.30 118.72 0.00 67.32 51.40 301 4.80 178.14 117.57 46.00 - - 46.00 164.00 12.00 34.00 119.00 42.00 - 2.00 40.00 140.00 12.00 27.00 101.00 55.00 - 2.00 53.00 154.00 12.00 34.00 109.00 62.00 - - 62.00 163.00 12.00 31.00 120.00 63.00 - - 63.00 179.00 12.00 29.00 138.00 46.00 - - 46.00 164.00 12.00 34.00 119.00 50.00 - 2.00 48.00
36 Vietnam - - - - 0.69
2023 2023 2023 2023 2023 2023 2023 2023
Jan* Feb* Mar* Apr* May* Jun* Jul* Aug*
Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities Claims Liabilities
Non- Non- Non- Non- Non- Non- Non- Non- Non-
Non-Bank Non-Bank Non-Bank Non-Bank Non-Bank Non-Bank Non-Bank Non-Bank Non-Bank
Total Financial Others Total Financial Others Total Financial Others Total Financial Others Total Financial Others Total Financial Others Total Financial Others Total Financial Others Total Financial Others Total Total Total Total Total Total
Financial Ins. Financial Ins. Financial Ins. Financial Ins. Financial Ins. Financial Ins. Financial Ins. Financial Ins. Financial Ins.
Corporations Corporations Corporations Corporations Corporations Corporations Corporations Corporations Corporations
13,187 9,022 2,650 1,516 4,093 1,241 618 2,234 13,223 8,944 2,768 1,511 3,378 241 812 2,325 13,249 9,075 2,639 1,534 3,213 218 856 2,139 13,636 9,374 2,678 1,584 3,112 124 806 2,182 13,674 9,496 2,615 1,563 3,683 14,051 3,224 14,009 3,967 14,619 All Counterparty Countries 1
America 2
684.00 474.00 154.00 56.00 3,346.00 1,169.00 1.00 2,176.00 690.00 476.00 158.00 56.00 2,367.00 179.00 1.00 2,187.00 676.00 486.00 130.00 60.00 2,153.00 154.00 1.00 1,999.00 658.00 476.00 123.00 59.00 2,161.00 70.00 1.00 2,090.00 527.00 384.00 89.00 53.00 2,588.00 526.00 2,624.00 504.00 2,771.00 832.00 United States of America 3
44.00 1.00 27.00 15.00 - - - - 43.00 1.00 25.00 16.00 - - - - 27.00 1.00 11.00 15.00 - - - - 29.00 1.00 11.00 17.00 - - - - 51.00 1.00 33.00 16.00 - 25.00 - 26.00 - 24.00 Canada 4
5.00 - - 5.00 - - - - 5.00 - - 5.00 - - - - 5.00 - - 5.00 - - - - 5.00 - - 5.00 - - - - 5.00 - - 5.00 - 5.00 - 5.00 - 5.00 Brazil 5
Europe 6
66.00 10.00 20.00 36.00 4.00 - 4.00 - 62.00 8.00 19.00 35.00 - - - - 86.00 18.00 32.00 36.00 - - - - 76.00 9.00 32.00 35.00 - - - - 75.00 11.00 29.00 35.00 - 90.00 - 106.00 - 112.00 Netherlands 7
14.00 1.00 2.00 10.00 - - - - 12.00 1.00 2.00 9.00 - - - - 13.00 1.00 2.00 10.00 - - - - 12.00 1.00 1.00 10.00 - - - - 13.00 2.00 1.00 10.00 - 13.00 - 12.00 - 15.00 Belgium 8
707.00 632.00 29.00 47.00 - - - - 677.00 606.00 24.00 47.00 1.00 1.00 - - 686.00 610.00 27.00 49.00 3.00 2.00 - - 729.00 653.00 26.00 50.00 1.00 - - - 748.00 673.00 26.00 50.00 1.00 750.00 - 710.00 - 692.00 United Kingdom 9
54.00 16.00 5.00 33.00 - - - - 53.00 16.00 5.00 32.00 - - - - 55.00 16.00 6.00 34.00 - - - - 56.00 17.00 6.00 34.00 - - - - 58.00 17.00 7.00 34.00 - 56.00 - 53.00 - 53.00 Germany 10
8.00 1.00 3.00 5.00 - - - - 9.00 1.00 3.00 6.00 - - - - 11.00 1.00 5.00 6.00 - - - - 12.00 1.00 6.00 5.00 - - - - 10.00 1.00 6.00 3.00 - 10.00 - 5.00 - 10.00 Norway 11
116.00 43.00 1.00 71.00 5.00 5.00 - - 122.00 48.00 1.00 72.00 6.00 5.00 - - 113.00 37.00 2.00 74.00 6.00 5.00 - - 127.00 47.00 4.00 76.00 6.00 5.00 - - 132.00 51.00 5.00 76.00 5.00 130.00 6.00 134.00 5.00 133.00 France 12
84.00 63.00 9.00 11.00 - - - - 83.00 63.00 9.00 11.00 - - - - 78.00 63.00 4.00 11.00 - - - - 93.00 76.00 4.00 13.00 5.00 - 5.00 - 95.00 78.00 5.00 12.00 2.00 95.00 - 79.00 2.00 77.00 Switzerland (including BIS) 13
12.00 1.00 2.00 8.00 - - - - 11.00 1.00 2.00 8.00 - - - - 11.00 1.00 2.00 8.00 - - - - 11.00 1.00 3.00 8.00 - - - - 11.00 1.00 2.00 8.00 - 11.00 - 11.00 - 11.00 Saudi Arabia 15
3.00 1.00 - 2.00 - - - - 3.00 1.00 - 2.00 - - - - 3.00 1.00 - 1.00 - - - - 2.00 1.00 - 1.00 - - - - 2.00 1.00 - 1.00 - 2.00 - 2.00 - 2.00 Kuwait 16
2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - - 3.00 - - 3.00 - - - - 3.00 - - 3.00 - 2.00 - 3.00 - 3.00 Egypt 17
16.00 11.00 3.00 1.00 - - - - 15.00 11.00 2.00 1.00 - - - - 14.00 11.00 2.00 1.00 - - - - 15.00 13.00 - 1.00 - - - - 18.00 14.00 3.00 1.00 - 15.00 - 16.00 - 15.00 Qatar 18
227.00 12.00 211.00 3.00 - - - - 218.00 12.00 202.00 4.00 - - - - 230.00 14.00 212.00 4.00 - - - - 240.00 16.00 220.00 5.00 - - - - 226.00 17.00 204.00 5.00 - 224.00 - 39.00 - 224.00 United Arab Emirates 19
Asia and Pacific 20
228.00 77.00 57.00 94.00 - - - - 244.00 75.00 78.00 91.00 - - - - 205.00 77.00 39.00 90.00 - - - - 278.00 79.00 107.00 92.00 - - - - 242.00 78.00 71.00 93.00 - 225.00 - 221.00 - 201.00 Australia 21
2.00 1.00 - 1.00 - - - - 1.00 1.00 - 1.00 - - - - 2.00 1.00 - 1.00 - - - - 1.00 1.00 - 1.00 - - - - 1.00 1.00 - 1.00 - 1.00 - 1.00 - 1.00 Brunei Darussalam 22
17.00 - - 17.00 - - - - 17.00 - - 17.00 - - - - 16.00 - - 16.00 - - - - 17.00 - - 17.00 - - - - 18.00 - 1.00 17.00 - 18.00 - 18.00 - 19.00 Philippines 23
48.00 5.00 1.00 42.00 - - - - 50.00 5.00 4.00 41.00 - - - - 52.00 5.00 4.00 43.00 - - - - 50.00 5.00 4.00 42.00 - - - - 51.00 5.00 5.00 40.00 - 52.00 - 47.00 - 49.00 India 24
3,670 3,442 78 151 4 1 2 - 3,633 3,408 75 150 7 1 5 - 3,631 3,409 72 150 7 1 6 - 3,737 3,502 80 155 4 1 3 - 3,710 3,462 91 156 5 3,712 5 3,754 5 3,704 Japan 25
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Cambodia 26
1,001 516 367 118 7 - 7 - 985 507 359 119 6 - 6 - 1,003 514 365 125 5 - 4 - 1,030 527 372 131 5 - 5 - 1,012 521 367 125 5 1,557 6 1,553 5 1,537 South Korea 27
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Lao PDR 28
392 166 64 162 533 - 533 - 385 162 60 162 542 - 541 - 383 166 57 159 553 - 553 - 399 169 66 164 541 - 541 - 426 169 94 163 540 414 8 365 532 379 Malaysia 29
1.00 - - 1.00 - - - - 1.00 - - 1.00 - - - - 2.00 - - 1.00 - - - - 2.00 - - 1.00 - - - - 2.00 - - 1.00 - 1.00 - 2.00 - 2.00 Myanmar 30
10.00 - - 10.00 - - - - 10.00 - - 10.00 - - - - 12.00 - - 11.00 - - - - 12.00 - - 11.00 - - - - 11.00 - - 11.00 - 11.00 - 11.00 - 12.00 New Zealand 31
335.00 264.00 19.00 52.00 11.00 - 1.00 10.00 329.00 259.00 18.00 51.00 15.00 - - 15.00 338.00 267.00 21.00 50.00 10.00 - - 10.00 341.00 271.00 19.00 51.00 10.00 - - 10.00 341.00 269.00 23.00 49.00 10.00 337.00 13.00 328.00 8.00 331.00 China, Taipei 32
25.00 1.00 14.00 11.00 - - - - 26.00 1.00 14.00 11.00 - - - - 28.00 1.00 15.00 12.00 - - - - 37.00 5.00 19.00 13.00 1.00 - 1.00 - 27.00 5.00 10.00 12.00 1.00 21.00 - 25.00 - 21.00 Thailand 33
8.00 - 1.00 7.00 - - - - 8.00 - 1.00 7.00 - - - - 8.00 - 1.00 7.00 - - - - 8.00 - - 7.00 - - - - 9.00 - 1.00 8.00 - 9.00 - 10.00 - 9.00 Timor Leste 34
170.00 12.00 40.00 118.00 46.00 - - 46.00 163.00 12.00 34.00 117.00 49.00 - 2.00 47.00 159.00 12.00 28.00 119.00 19.00 - 2.00 18.00 163.00 14.00 31.00 118.00 8.00 - - 7.00 167.00 14.00 27.00 126.00 7.00 163.00 42.00 210.00 41.00 235.00 China 35
2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - - 2.00 - - 2.00 - - - - 2.00 - - 2.00 - 2.00 - 2.00 - 2.00 Vietnam 36
Offshore centres 37
1,408.00 1,195.00 129.00 84.00 63.00 7.00 56.00 - 1,395.00 1,203.00 109.00 82.00 52.00 7.00 44.00 - 1,412.00 1,193.00 138.00 81.00 50.00 7.00 42.00 - 1,482.00 1,283.00 119.00 80.00 46.00 7.00 39.00 - 1,579.00 1,386.00 115.00 78.00 37.00 1,575.00 35.00 1,405.00 30.00 1,343.00 Hong Kong 38
46.00 - 45.00 - - - - - 45.00 - 45.00 - - - - - 46.00 - 45.00 - - - - - 45.00 - 44.00 - - - - - 38.00 - 38.00 - - 33.00 - 33.00 - 35.00 Cayman Islands 39
2,677 1,668 903 106 70 57 14 - 2,707 1,658 944 106 332 45 212 75 2,740 1,764 874 102 404 46 247 112 2,764 1,790 847 127 325 40 211 74 2,843 1,914 805 123 481 2,756 486 2,935 566 3,144 Singapore 40
1,108.00 409.00 465.00 235.00 2.00 2.00 - - 1,217.00 408.00 572.00 236.00 2.00 2.00 - - 1,200.00 408.00 547.00 246.00 3.00 3.00 - - 1,200.00 416.00 532.00 251.00 1.00 1.00 - - 1,219.00 418.00 555.00 245.00 1.00 1,207.00 1.00 1,387.00 - 1,388.00 Others 41
Note:
1)
LBS describes outstanding claims and liabilities of banks located in Indonesia to non resident for each
instruments breakdown, based on Guidelines Bank for International Settlements (BIS)
- Since January 2022, counterpart information on unrelated banks and related offices is not provided due to
-the limitation
Since Januaryof 2022,
data sources
there has been a shifting data on Loan & Deposit to Other Claims/Liabilities due to
limited data sources

TABEL 6. INDIKATOR ASURANSI/
TABLE 6. INDICATORS OF INSURANCE
2022 2023
KOMPONEN SATUAN/ UNIT 2018 2019 2020 2021 2022 COMPONENT
Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
1 Jumlah Asuransi Konvensional Satuan / Unit 138 137 135 135 136 136 136 136 137 136 136 136 136 136 135 134 134 134 Number of Coventional Insurance 1
2 Asuransi Jiwa Satuan / Unit 53 53 52 53 52 53 53 53 53 52 52 52 52 52 51 50 50 50 Life Insurance 2
3 Asuransi Umum Satuan / Unit 74 73 72 71 72 71 71 71 72 72 72 72 72 72 72 72 72 72 General Insurance 3
4 Reasuransi Satuan / Unit 6 6 6 6 7 7 7 7 7 7 7 7 7 7 7 7 7 7 Reinsurance 4
5 Penyelenggara Program Asuransi Sosial Satuan / Unit 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Social Insurance Issuers 5
6
6 Asuransi ASN, TNI/POLRI, Kecelakaan Penumpang Umum dan Lalu Lintas Jalan Satuan / Unit 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Insurance for ASN, TNI/POLRI, General Passenger Accidents and Road Traffic
7 Aset Asuransi terhadap Aset Sektor Keuangan % 8.61 8.97 9.01 9.46 9.35 9.86 9.75 9.57 9.60 9.35 9.55 9.58 9.56 9.67 9.74 9.69 9.77 * … Assets of Insurance to Assets of Financial Sector 7
8 8
9 RASIO KINERJA RATIO 9
10 ASURANSI JIWA KONVENSIONAL CONVENTIONAL LIFE INSURANCE 10
11 Komposisi Portofolio Investasi Asuransi Jiwa Konvensional Composition of Portfolio Investment of Conventional Life Insurance 11
12 Deposito Berjangka dan Sertifikat Deposito % - - - - - - - - - - - - - - - - - - Time Deposit and Certificate of Deposits 12
13 Deposito Berjangka % 7.70 7.02 6.65 7.19 7.83 7.78 7.28 7.37 7.65 7.83 7.39 7.24 6.70 6.77 7.31 6.83 6.53 6.78 Time Deposit 13
14 Sertifikat Deposito % 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Certificate of Deposits 14
15 Saham % 30.47 30.25 28.96 27.80 29.16 28.23 28.51 29.70 29.43 29.16 29.30 29.70 29.65 29.72 28.89 28.90 29.01 28.73 Stocks 15
16 Surat Utang Korporasi dan Sukuk Korporasi % - - - - - - - - - - - - - - - - - - Corporate Bonds and Sukuk 16
17 Obligasi Korporasi % 5.55 5.60 5.43 5.18 6.46 6.03 6.21 6.36 6.29 6.46 6.68 6.87 6.88 6.70 6.64 6.77 6.87 6.68 Bonds 17
18 MTN % 0.55 1.64 2.27 1.79 1.51 1.69 1.62 1.68 1.59 1.51 1.36 1.36 1.35 1.28 1.27 1.26 1.23 1.22 Medium Term Note 18
19 Surat Berharga yang Diterbitkan oleh Negara RI % 13.76 15.21 16.56 19.77 26.51 23.90 24.27 24.97 25.87 26.51 26.90 27.42 28.17 28.31 28.67 29.28 29.50 30.12 Marketable Securities Issued by Government 19
20 Reksa Dana % 36.02 34.02 33.62 31.49 19.76 24.21 23.76 21.51 20.78 19.76 19.59 18.57 18.28 18.23 18.22 17.92 17.74 17.39 Mutual Funds 20
21 Lainnya % 5.95 6.26 6.52 6.78 8.77 8.17 8.34 8.41 8.40 8.77 8.79 8.85 8.97 9.00 8.99 9.03 9.11 9.08 Others 21
22 Return on Assets (ROA) % -0.42 -1.56 0.07 0.73 1.93 1.55 3.88 2.00 1.78 1.93 1.91 2.01 1.69 1.45 r 1.38 r 1.28 r 1.13 r 1.22 Return on Assets (ROA) 22
23 Return on Investment (ROI)3) % -0.47 -1.77 0.08 0.83 2.18 1.78 4.45 2.29 2.03 2.18 2.18 2.29 1.92 1.65 r 1.57 r 1.46 r 1.29 r 1.38 Return on Investment (ROI) 3) 23
24 Return on Equity (ROE) 3) % -2.92 -12.33 0.85 7.67 10.97 9.94 25.01 12.88 11.46 10.97 10.79 11.24 9.50 6.95 r 6.53 r 6.12 r 5.43 r 5.84 Return on Equity (ROE)3) 24
25 Rasio Investasi terhadap Cadangan Teknis % 113.29 112.45 110.79 106.90 118.36 115.45 115.44 115.48 116.02 118.36 118.28 118.72 118.37 121.75 122.11 122.45 122.55 123.21 Investment to Technical Reserves Ratio 25
26 Rasio Kecukupan Premi terhadap Pembayaran Klaim % 130.69 120.92 114.62 115.43 107.89 110.15 108.89 108.08 106.29 107.89 120.73 111.75 106.59 107.74 106.53 106.69 105.88 105.87 Premium Income to Claims Paid Ratio 26
27 Rasio Kecukupan Premi terhadap Pembayaran Klaim dan Biaya Umum % 116.46 107.92 102.43 104.10 96.72 98.59 97.73 97.01 95.44 96.72 105.20 98.69 94.73 94.80 94.04 94.30 93.47 93.57 Premium Income to Claims Paid and General Expenses Ratio 27
28 Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim % 135.34 135.18 126.40 132.01 120.87 125.22 119.99 121.04 122.78 120.87 139.33 124.92 122.08 126.58 124.73 129.07 131.53 129.85 Premium Income and Investment Yields to Claims Paid Ratio 28
Rasio Kecukupan Premi dan Hasil Investasi terhadap Pembayaran Klaim dan Biaya 29
29 % 120.61 120.65 112.96 119.05 108.36 112.08 107.69 108.64 110.26 108.36 121.41 110.33 108.49 111.38 110.10 114.08 116.11 114.76 Premium Income and Investment Yields to Claims Paid and General Expenses Ratio
Umum
30 Rasio Sesi Asuransi % 2.77 3.15 3.39 2.92 3.36 3.50 3.42 3.43 3.38 3.36 5.73 4.57 4.18 3.86 3.68 3.58 3.51 3.37 Cession Ratio 30
31 31
32 ASURANSI SOSIAL SOCIAL INSURANCE 32
33 Komposisi Portofolio Investasi Asuransi Sosial Composition of Portfolio Investment of Social Insurance 33
34 Deposito % 12.61 11.37 13.02 19.30 13.51 13.37 12.09 11.80 12.31 13.51 13.90 12.29 11.23 12.00 12.96 12.71 10.80 11.74 Deposit 34
35 Saham % 18.26 18.79 15.27 10.85 10.09 11.28 10.51 10.65 10.62 10.09 10.15 10.13 9.98 10.03 9.25 9.21 9.25 9.04 Stocks 35
36 Sukuk atau Obligasi % 11.49 12.33 16.49 15.86 5.18 5.49 5.52 5.49 5.23 5.18 5.18 5.20 4.89 4.81 4.82 4.79 5.15 5.12 Sharia Bonds or Corporate Bonds 36
37 Surat Berharga Yang Diterbitkan Negara RI % 46.66 47.21 46.27 46.49 65.11 62.98 65.43 65.50 65.46 65.11 64.31 65.82 67.26 66.47 66.45 66.82 68.45 67.83 Marketable Securities Issued by Government 37
38 Reksa Dana % 10.17 9.64 8.41 7.02 5.73 6.47 6.04 6.16 6.00 5.73 6.08 6.17 6.28 6.33 6.15 6.12 5.98 5.89 Mutual Funds 38
39 Lainnya % 0.80 0.66 0.56 0.48 0.39 0.42 0.41 0.40 0.39 0.39 0.39 0.38 0.37 0.36 0.36 0.35 0.37 0.37 Others 39
40 40
41 ASURANSI JIWA KONVENSIONAL CONVENTIONAL LIFE INSURANCE 41
42 ASET Rp Miliar/ Billions of Rp 520,633 553,215 544,204 589,808 585,858 606,112 596,681 596,312 600,195 585,858 589,259 590,312 586,203 586,253 585,938 587,181 590,796 588,761 ASSETS 42
43 INVESTASI Rp Miliar/ Billions of Rp 463,962 488,184 481,659 518,301 517,079 528,634 520,760 520,573 526,177 517,079 518,140 517,843 514,680 515,238 515,409 516,737 520,252 520,526 INVESTMENT 43
44 Deposito Berjangka dan Sertifikat Deposito Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Time Deposit and Certificate of Deposits 44
45 Deposito Berjangka 1) Rp Miliar/ Billions of Rp 35,705 34,290 32,029 37,248 40,500 41,146 37,932 38,391 40,250 40,500 38,276 37,467 34,491 34,876 37,670 35,285 33,964 35,284 Time Deposit1) 45
46 Sertifikat Deposito 1) Rp Miliar/ Billions of Rp 20 10 - - 3 - 3 3 3 3 3 3 3 3 3 2 2 - Certificate Deposits1) 46
47 Saham Rp Miliar/ Billions of Rp 141,370 147,686 139,467 144,106 150,797 149,229 148,476 154,625 154,841 150,797 151,824 153,777 152,613 153,107 148,906 149,342 150,930 149,539 Stocks 47
48 Surat Utang Korporasi dan Sukuk Korporasi Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Corporate Bonds and Sharia Bonds 48
49 Obligasi Korporasi 1) Rp Miliar/ Billions of Rp 25,768 27,335 26,147 26,856 33,386 31,887 32,341 33,102 33,089 33,386 34,600 35,563 35,397 34,502 34,245 35,000 35,750 34,759 Bonds 1) 49
50 MTN 1) Rp Miliar/ Billions of Rp 2,555 7,994 10,932 9,302 7,812 8,909 8,446 8,730 8,340 7,812 7,058 7,032 6,948 6,593 6,542 6,513 6,413 6,359 Medium Term Note 1) 50
51 Surat Berharga yang Diterbitkan oleh Negara RI Rp Miliar/ Billions of Rp 63,827 74,243 79,774 102,469 137,053 126,320 126,395 129,963 136,146 137,053 139,367 142,012 144,960 145,865 147,771 151,310 153,490 156,783 Marketable Securities Issued by Government 51
52 Surat Berharga yang Diterbitkan oleh Negara Selain Negara RI Rp Miliar/ Billions of Rp 900 245 29 623 621 296 353 605 827 621 633 633 568 481 220 192 188 188 Marketable Securities Issued by Non Government 52
53 Surat Berharga yang Diterbitkan oleh Bank Indonesia Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Marketable Securities Issued by Central Bank 53
54 Surat Berharga yang Diterbitkan oleh Lembaga Multinasional Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Marketable Securities Issued by Multinational 54
55 Reksa Dana Rp Miliar/ Billions of Rp 167,105 166,075 161,915 163,200 102,177 127,977 123,728 112,000 109,324 102,177 101,483 96,161 94,079 93,921 93,916 92,598 92,295 90,532 Mutual Funds 55
56
56 Kontrak Investasi Kolektif Efek Beragun Aset Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Collective Investment Contract - Assets Backed Securities
57 Efek Beragun Aset 1) Rp Miliar/ Billions of Rp 207 436 397 322 219 260 247 244 240 219 218 218 204 204 205 192 191 191 Asset-Backed Securities1) 57
58 Repo 1) Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Repurchase Order 1) 58
59 Dana Investasi Real Estat Rp Miliar/ Billions of Rp 9 48 8 14 14 14 14 14 14 14 12 12 12 12 12 12 r 12 r 12 Real Estate Investment Funds 59
60 Penyertaan Langsung Rp Miliar/ Billions of Rp 7,748 9,850 11,872 14,090 23,700 22,040 23,326 23,275 23,326 23,700 23,729 23,798 23,340 23,444 23,476 23,741 24,258 24,076 Direct Placement 60
61
61 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Investasi Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Property
62
62 Tanah, Bangunan dengan Hak Strata, atau Tanah dengan Bangunan, untuk Investasi 1)Rp Miliar/ Billions of Rp 15,505 16,123 15,254 16,187 16,446 15,607 15,630 15,652 15,675 16,446 16,447 16,485 17,230 17,214 17,246 17,293 17,379 17,406 Buildings With Strata Title or Real Estate For Investment 1)
63
63 Pembelian Piutang untuk Perusahaan Pembiayaan dan/atau Bank Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Refinancing
64
64 Pembiayaan Melalui Kerjasama dengan Pihak Lain (Executing) 1) Rp Miliar/ Billions of Rp 320 320 368 351 351 351 351 351 351 351 351 351 351 356 361 361 361 361 Executing 1)
65 Emas Murni Rp Miliar/ Billions of Rp - - 7 - - - - - - - - - - - - - - - Gold 65

66 Pinjaman yang Dijamin dengan Hak Tanggungan Rp Miliar/ Billions of Rp 164 101 139 119 116 120 119 117 116 116 117 111 109 111 109 108 110 109 Mortgage 66
67 Pinjaman Polis2) Rp Miliar/ Billions of Rp 2,147 2,185 2,193 2,196 2,228 2,242 2,250 2,267 2,288 2,228 2,219 2,242 2,241 2,174 2,204 2,222 2,195 2,215 Policy Receivables 2) 67
68 Obligasi Daerah - 40 - - - - - - - - - - - - - - - Municipal Bonds 68

2022 2023
69
Infrastructure Investment Fund in the Form of Collective Investment Contracts
69 Dana Investasi Infrastruktur Berbentuk Kontrak Investasi Kolektif 155 260 250 233 237 237 236 236 233 233 233 233 224 220 220 219 219
70 Investasi Lain Rp Miliar/ Billions of Rp 612 1,089 828 970 1,425 1,999 912 998 1,111 1,425 1,570 1,747 1,900 2,153 2,305 2,345 2,494 2,494 Other Investments 70
71 71
72 BUKAN INVESTASI Rp Miliar/ Billions of Rp 56,671 65,031 62,546 71,506 68,779 77,478 75,921 75,738 74,018 68,779 71,119 72,469 71,523 71,015 70,530 70,444 70,543 68,235 NON INVESTMENT 72
73 Kas dan Bank Rp Miliar/ Billions of Rp 8,059 13,712 9,615 17,246 10,739 14,384 12,707 12,780 12,617 10,739 11,783 13,150 11,095 11,310 11,751 11,888 11,499 9,822 Cash and Bank 73
74 Tagihan Premi Penutupan Langsung Rp Miliar/ Billions of Rp 3,517 3,180 3,776 3,948 4,147 4,084 4,645 4,126 4,107 4,147 5,063 4,682 4,594 5,531 4,825 4,783 4,540 4,274 Premium Receivables 74
75 Tagihan Premi Reasuransi 1) Rp Miliar/ Billions of Rp 1 1 2 1 0 1 2 2 2 0 1 1 0 0 0 0 0 0 Reinsurance Premium Receivable1) 75
76 Aset Reasuransi 1) Rp Miliar/ Billions of Rp 3,574 3,688 3,966 4,267 3,770 4,140 3,892 3,883 3,839 3,770 3,989 3,972 3,982 3,745 3,791 3,778 3,751 3,708 Reinsurance Asset 1) 76
77 Tagihan Klaim Koasuransi Rp Miliar/ Billions of Rp 55 116 104 80 91 102 100 98 89 91 104 101 91 73 76 73 74 58 Coinsurance Claim Receivables 77
78 Tagihan Klaim Reasuransi Rp Miliar/ Billions of Rp 2,232 3,180 3,847 5,383 4,996 5,465 5,311 5,155 5,165 4,996 4,932 4,960 4,664 4,603 4,335 4,396 4,627 4,559 Reinsurance Claim Receivable 78
79 Tagihan Investasi Rp Miliar/ Billions of Rp 1,361 337 479 528 438 357 480 618 400 438 507 346 393 344 445 240 337 194 Investment Receivables 79
80 Tagihan Hasil Investasi Rp Miliar/ Billions of Rp 3,431 3,373 2,614 3,034 4,127 3,823 3,931 3,592 3,243 4,127 3,778 3,838 5,254 4,090 3,719 4,487 3,938 4,052 Investment Yield Receivables 80
81 Pinjaman Polis2) Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Policy Receivables 2) 81
82
82 Bangunan dengan Hak Strata atau Tanah dengan Bangunan untuk Dipakai Sendiri Rp Miliar/ Billions of Rp 4,984 5,302 5,453 5,632 5,829 5,649 5,645 5,639 5,627 5,829 5,824 5,819 4,724 4,876 4,867 4,845 4,837 4,832 Property
83 Biaya Akuisisi yang ditangguhkan 1) Rp Miliar/ Billions of Rp 111 279 473 879 724 803 792 775 767 724 713 835 704 3,967 3,934 3,890 3,872 3,849 Deferred Acquisition Cost 1) 83
84 Aset Tetap Lain Rp Miliar/ Billions of Rp 1,938 2,333 2,550 2,701 2,832 2,623 2,715 2,751 2,705 2,832 2,848 2,831 2,963 2,943 2,930 3,038 3,041 3,162 Other Fixed Assets 84
85 Aset Lain Rp Miliar/ Billions of Rp 27,409 29,529 29,665 27,806 31,086 36,047 35,703 36,321 35,460 31,086 31,578 31,934 33,059 29,532 29,855 29,024 30,026 29,724 Other Assets 85
86 86
87 LIABILITAS DAN EKUITAS Rp Miliar/ Billions of Rp 520,633 553,215 544,204 589,808 585,858 606,112 596,681 596,312 600,195 585,858 589,259 590,312 586,203 586,253 585,938 587,181 590,796 588,761 LIABILITIES AND EQUITY 87
88 LIABILITAS Rp Miliar/ Billions of Rp 445,653 482,553 499,643 533,939 482,413 511,474 503,490 503,199 506,305 482,413 484,204 484,430 481,725 463,188 461,401 463,472 466,986 465,166 LIABILITIES 88
89 UTANG Rp Miliar/ Billions of Rp 36,107 48,407 64,885 49,080 45,542 53,592 52,393 52,410 52,779 45,542 46,136 48,245 46,912 40,009 39,304 41,475 42,450 42,704 PAYABLES 89
90 Utang Klaim Rp Miliar/ Billions of Rp 10,413 20,572 29,480 20,279 16,824 22,787 22,809 22,359 22,793 16,824 16,933 17,011 17,228 11,496 11,651 11,852 11,905 11,793 Claim Payables 90
91 Utang Koasuransi Rp Miliar/ Billions of Rp 60 90 18 16 32 29 29 34 34 32 49 50 33 33 33 33 33 33 Coinsurance Payables 91
92 Utang Reasuransi Rp Miliar/ Billions of Rp 2,618 3,195 3,618 3,557 3,567 4,053 3,779 3,700 3,783 3,567 3,907 3,908 3,824 3,767 3,289 3,392 3,455 3,454 Reinsurance Payables 92
93 Utang Komisi Rp Miliar/ Billions of Rp 1,828 1,976 2,327 2,368 2,166 1,833 1,964 2,021 1,995 2,166 1,987 1,817 1,844 1,676 1,758 1,774 1,807 1,794 Commission Payables 93
94 Utang Pajak Rp Miliar/ Billions of Rp 884 643 1,636 753 1,126 926 1,150 1,082 1,142 1,126 1,117 1,216 1,152 1,167 909 832 860 751 Tax Payables 94
95 Biaya yang Masih Harus Dibayar Rp Miliar/ Billions of Rp 4,999 5,443 5,331 5,211 5,226 4,995 5,146 5,156 5,243 5,226 5,349 5,678 5,101 4,578 4,668 4,556 4,830 4,961 Accrued Expenses 95
96 Utang Lain Rp Miliar/ Billions of Rp 15,305 16,487 22,475 16,897 16,601 18,969 17,517 18,058 17,789 16,601 16,794 18,564 17,731 17,293 16,996 19,037 19,561 19,918 Other Payables 96
97 CADANGAN TEKNIS Rp Miliar/ Billions of Rp 409,546 434,146 434,758 484,859 436,871 457,882 451,096 450,789 453,526 436,871 438,068 436,185 434,812 423,179 422,097 421,997 424,536 422,462 TECHNICAL RESERVES 97
98 Cadangan Premi Rp Miliar/ Billions of Rp 401,292 425,519 424,895 473,058 425,622 444,908 438,611 438,529 441,587 425,622 424,920 422,812 421,415 408,952 408,069 408,108 410,561 408,713 Premium Reserves 98
99 Cadangan Atas Premi Yang Belum Merupakan Pendapatan Rp Miliar/ Billions of Rp 2,917 3,121 3,163 3,210 3,747 4,909 4,572 4,417 4,013 3,747 5,459 5,435 5,247 6,127 5,837 5,580 5,727 5,439 Unearned Premium Reserves 99
100 Cadangan Klaim Rp Miliar/ Billions of Rp 5,232 5,403 6,582 8,523 7,270 7,851 7,725 7,738 7,820 7,270 7,576 7,814 8,025 7,972 8,055 8,173 8,110 8,159 Claim Reserves 100
101 Cadangan atas Risiko Bencana (Catastrophic) 1) Rp Miliar/ Billions of Rp 105 102 118 67 232 215 189 103 105 232 113 124 126 127 135 136 138 151 Catastrophic Reserve 1) 101
102 PINJAMAN SUBORDINASI Rp Miliar/ Billions of Rp 539 537 1 1 501 1 501 501 501 501 501 501 501 501 501 501 501 651 SUBORDINATE LOANS 102
103 103
104 EKUITAS Rp Miliar/ Billions of Rp 74,442 70,125 44,560 55,868 102,944 94,637 92,690 92,612 93,389 102,944 104,554 105,381 103,977 122,564 124,036 123,208 123,308 122,943 EQUITY 104
105 Modal Disetor Rp Miliar/ Billions of Rp 26,442 27,833 33,844 54,831 68,190 68,142 68,142 68,142 68,142 68,190 68,190 68,685 68,551 68,551 68,576 68,446 68,452 68,552 Paid in Capital 105
106 Agio Saham Rp Miliar/ Billions of Rp 19,775 19,945 19,915 23,671 24,447 24,416 24,416 24,416 24,416 24,447 24,447 24,447 25,191 25,191 25,191 25,191 25,191 25,191 Additional Paid In Capital 106
107 Saldo Laba Rp Miliar/ Billions of Rp 13,312 9,985 7,394 -1,545 12,390 728 1,833 3,227 2,795 12,390 12,795 13,732 12,764 11,403 11,519 10,526 9,555 10,801 Profit / Loss 107
108 Komponen Ekuitas Lainnya Rp Miliar/ Billions of Rp 14,913 12,362 -16,593 -21,089 -2,084 1,351 (1,701) (3,174) (1,964) (2,084) (879) (1,483) (2,529) 17,418 18,751 19,045 20,111 18,400 Other Equity Components 108
109 109
110 PENDAPATAN Rp Miliar/ Billions of Rp 193,690 207,393 187,507 214,373 187,741 124,601 137,031 153,713 174,798 187,741 14,181 27,989 43,959 57,321 72,114 89,470 109,161 125,654 REVENUES 110
111 a.l Pendapatan Premi Rp Miliar/ Billions of Rp 186,047 185,333 171,932 184,324 169,953 112,130 126,746 139,566 153,546 169,953 13,867 26,775 39,730 51,162 63,750 75,958 90,043 104,485 o.w. Premium Income 111
112 Hasil Investasi Rp Miliar/ Billions of Rp 6,624 21,854 17,676 26,476 20,455 15,346 12,922 16,734 23,829 20,455 2,136 3,156 5,774 8,948 10,891 15,928 21,810 23,666 Investment Yields 112
113 113
114 BEBAN Rp Miliar/ Billions of Rp 186,052 189,367 187,253 200,545 188,611 120,476 136,443 151,968 171,632 188,611 14,154 28,829 46,663 61,298 78,003 94,646 113,405 131,011 EXPENSES 114
115 a.l Klaim dan Manfaat Dibayar Rp Miliar/ Billions of Rp 85,699 82,436 74,028 71,864 67,936 43,940 50,327 55,243 62,066 67,936 5,270 10,606 16,096 20,716 26,281 30,981 37,399 43,282 o.w. Claims and Benefits Paid 115
116 Klaim Penebusan Unit 1) Rp Miliar/ Billions of Rp 56,660 70,828 75,978 87,821 89,590 57,861 66,071 73,884 82,394 89,590 6,216 13,354 21,178 26,770 33,563 40,212 47,642 55,413 Unit Redemption Claim 1) 116
117 Beban Pemasaran Rp Miliar/ Billions of Rp 2,266 2,628 2,089 1,754 1,948 1,336 1,424 1,570 1,746 1,948 153 316 475 572 764 898 1,077 1,274 Marketing Expenses 117
118 Beban Pendidikan dan Pelatihan Rp Miliar/ Billions of Rp 261 304 216 188 192 110 150 155 175 191.95 11 29 48 62 79 97 119 148 Education and Training Expenses 118
119 Beban Umum dan Administrasi Lainnya Rp Miliar/ Billions of Rp 7,876 7,958 7,829 8,046 7,882 5,263 5,770 6,287 7,126 7,882 836 1,438 2,019 2,912 3,472 4,028 5,025 5,725 Other General and Administration Expenses 119
120 Laba (Rugi) Setelah Pajak Rp Miliar/ Billions of Rp -2,173 -8,646 378 4,284 11,296 7,241 8,388 9,780 10,704 11,296 603 1,696 1,517 1,169 1,654 1,832 1,836 3,127 Income (Loss) After Tax 120
121 121
122 ASURANSI SOSIAL SOCIAL INSURANCE 122
124 INVESTASI Rp Miliar/ Billions of Rp 372,288 439,819 495,063 565,578 645,250 619,747 625,516 633,210 643,293 645,250 648,274 656,173 675,599 686,717 695,935 703,119 713,339 723,104 INVESTMENT 124
125 Deposito Rp Miliar/ Billions of Rp 46,949 49,995 64,439 109,130 87,147 82,853 75,608 74,719 79,183 87,147 90,129 80,653 75,841 82,431 90,163 89,364 77,022 84,921 Deposit 125
126 Saham Rp Miliar/ Billions of Rp 67,987 82,659 75,577 61,362 65,074 69,896 65,765 67,455 68,307 65,074 65,784 66,471 67,424 68,879 64,398 64,768 65,980 65,345 Stocks 126
127 Sukuk atau Obligasi Rp Miliar/ Billions of Rp 42,764 54,249 81,628 89,707 33,413 33,994 34,509 34,734 33,616 33,413 33,551 34,144 33,038 33,026 33,576 33,678 36,710 37,041 Sharia Bond or Corporate Bonds 127
128 Surat Berharga Yang Diterbitkan Negara RI Rp Miliar/ Billions of Rp 173,727 207,644 229,041 262,941 420,120 390,298 409,284 414,737 421,069 420,120 416,888 431,922 454,387 456,444 462,465 469,793 488,286 490,517 Marketable Securities Issued by Government 128
129 Reksa Dana Rp Miliar/ Billions of Rp 37,876 42,390 41,619 39,715 36,971 40,127 37,810 39,033 38,586 36,971 39,405 40,465 42,404 43,436 42,833 43,027 42,684 42,618 Mutual Funds 129
130 Efek Beragun Aset Rp Miliar/ Billions of Rp 730 609 479 296 135 196 155 148 148 135 129 128 116 110 110 99 94 93 Assets-Backed Securities 130
131 Penyertaan Langsung Rp Miliar/ Billions of Rp 1 1 1 45 350 350 350 350 350 350 350 350 350 350 350 350 523 523 Direct Placement 131
132
132 Bangunan Dengan Hak Strata atau Tanah Dengan Bangunan Untuk Investasi Rp Miliar/ Billions of Rp 2,256 2,271 2,279 2,382 2,039 2,034 2,034 2,034 2,034 2,039 2,039 2,039 2,039 2,040 2,040 2,040 2,040 2,047 Building or Lands for Investments
133 NON INVESTASI Rp Miliar/ Billions of Rp 16,508 17,532 39,393 85,868 112,704 111,549 110,567 111,511 111,115 112,704 118,855 119,163 106,092 107,851 105,142 109,590 105,395 99,816 NON INVESTMENT 133
135 EKUITAS DAN ASET NETO Rp Miliar/ Billions of Rp 321,523 366,860 493,428 605,787 700,516 673,042 678,456 686,613 695,470 700,516 708,542 716,456 721,986 735,298 742,083 752,341 759,674 767,395 EQUITY AND ASSET (NETT) 135
136 PREMI BRUTO Rp Miliar/ Billions of Rp 146,899 179,219 211,780 223,952 232,432 150,474 170,362 190,127 210,607 232,432 19,364 39,397 60,078 80,673 102,054 122,875 145,028 166,682 GROSS PREMIUM 136
137 KLAIM BRUTO Rp Miliar/ Billions of Rp 123,014 143,860 131,957 133,112 162,511 104,016 118,593 133,008 147,750 162,511 15,221 30,712 47,571 62,698 79,502 96,722 114,973 134,050 GROSS CLAIM 137
Keterangan: Note:
- Hanya menyajikan jenis asuransi yang memiliki aset terbesar. Khusus data Total Aset Asuransi - Only presents a type of insurance that has the greatest asset. For insurance assets consist of assets of Life
merupakan gabungan total aset Asuransi Jiwa dan Asuransi Sosial. Assurance and Social Insurance

2022 2023
- Perhitungan rasio berdasarkan publikasi OJK. - Calculation of ratio based on FSA

1)
Sejak Agustus 2017, terdapat beberapa penyesuaian pada laporan sesuai dengan POJK nomor 1)
Since August 2017, there are several requirements in accordance with POJK report number 71 / POJK.05 /
71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi.
2016 on the Financial Health of Insurance and Reinsurance. Related to that, starting January 2017 there are
Sehubungan
2) dengan
Pinjaman Polis hal tersebut,menjadi
dikategorikan mulai bulan Januari
instrumen 2017, sejak
investasi terdapat penambahan
Agustus komponenPOJK
2017 berdasarkan yang dirinci
nomor 2)
Policy components
Receivables specified
is categorized as publications
investment instrument since August 2017 based on POJK number 71 /
several as OJK
sebagaimana
3)
71/POJK.05/2016publikasi
Sejak publikasi Maret OJK.
2018,
tentang dilakukan
Kesehatan perubahan
Keuangan metode perhitungan
Perusahaan Asuransi danROI & ROE yaitu
Perusahaan dengan
Reasuransi. POJK.05 / 2016 regarding Financial
3)
Since publication of March 2018, theHealth of for
method Insurance Company
calculating andROE
ROI and Reinsurance Company
is modified, in which
menyetahunkan laba bersih menggunakan metode Trailing Twelve Months (TTM) yang umumnya dipakai
henceforwards, the component of net profit is calculated using Trailing Twelve Months method.
pada analisis laporan
* Angka Sementara keuangan untuk mengurangi dampak faktor musiman *Preliminary Figures
Sumber: OJK (diolah) Source: FSA (Processed)

TABEL 7. INDIKATOR PERUSAHAAN PEMBIAYAAN/
TABLE 7. INDICATORS OF FINANCE COMPANY
2022 2023
1 Jumlah Perusahaan Pembiayaan Satuan / Unit 185 184 176 161 153 154 154 154 153 153 153 153 153 153 152 152 151 151 Number of Finance Company 1
2 Aset Perusahaan Pembiayaan terhadap Aset Sektor Keuangan % 4.78 4.60 3.81 3.30 3.46 3.35 3.41 3.38 3.39 3.46 3.44 3.52 3.58 3.60 3.61 3.63 3.64 * … Assets of Finance Company to Assets of Financial Sector 2
3 Return on Assets (ROA) % 4.34 4.79 1.99 4.51 5.67 5.36 5.18 5.29 5.37 5.67 5.77 5.79 5.79 5.78 5.73 5.84 5.81 5.66 Return on Assets (ROA) 3
4 Return on Equity (ROE) % 13.87 14.28 5.27 11.39 14.38 13.59 13.03 13.27 13.45 14.38 14.68 14.86 14.90 14.96 14.86 15.43 15.37 15.01 Return on Equity (ROE) 4
5 Komposisi Pembiayaan terhadap Total Pembiayaan Composition of Financing to Total Financing 5
6 Sewa Guna Usaha (SGU) % - - - - - - - - - - - - - - - - - - Lease 6
7 Anjak Piutang (AP) % - - - - - - - - - - - - - - - - - - Factoring 7
8 Kartu Kredit (KK) % - - - - - - - - - - - - - - - - - - Credit Card 8
9 Pembiayaan Konsumen (PK) % - - - - - - - - - - - - - - - - - - Consumer Finance 9
10 Piutang Pembiayaan Konvensional - Neto % 95.54 96.48 96.88 96.25 95.49 95.54 95.44 95.46 95.51 95.49 95.46 95.46 95.43 95.34 95.25 95.19 95.07 95.01 Convensional Financing- Neto 10
11 Piutang Pembiayaan Investasi - Neto % 31.22 29.81 30.01 31.37 34.06 34.03 34.18 34.17 34.49 34.06 34.05 34.11 34.13 33.89 33.81 33.75 33.74 33.71 Investment Financing - Neto 11
12 Piutang Pembiayaan Modal Kerja - Neto % 5.51 5.85 6.66 7.95 9.52 8.88 8.82 9.20 9.27 9.52 9.12 9.30 9.57 9.79 9.68 9.68 9.58 9.55 Working Capital Financing - Neto 12
13 Piutang Pembiayaan Multiguna - Neto % 58.78 60.78 60.17 56.81 51.80 52.49 52.30 51.98 51.62 51.80 52.17 51.91 51.61 51.55 51.66 51.65 51.66 51.63 Multipurpose Financing - Neto 13
Other Financing - Neto 14
14 Piutang Pembiayaan Lainnya Berdasarkan Persetujuan OJK - Neto % 0.03 0.04 0.05 0.12 0.12 0.14 0.13 0.11 0.13 0.12 0.12 0.14 0.11 0.11 0.11 0.11 0.09 0.11
15 Piutang Pembiayaan Berdasarkan Prinsip Syariah - Neto % 4.46 3.52 3.12 3.75 4.51 4.46 4.56 4.54 4.49 4.51 4.54 4.54 4.57 4.66 4.75 4.81 4.93 4.99 Sharia Financing- Neto 15
16
16 Piutang Pembiayaan Jual Beli Berdasarkan Prinsip Syariah - Neto % 3.76 3.14 2.69 3.21 3.83 3.84 3.92 3.89 3.82 3.83 3.83 3.84 3.86 3.95 4.01 4.06 3.98 4.01 Trading Financing - Neto
17
17 Piutang Pembiayaan Investasi Berdasarkan Prinsip Syariah - Neto % 0.01 0.02 0.02 0.05 0.11 0.09 0.10 0.10 0.10 0.11 0.12 0.12 0.12 0.12 0.13 0.13 0.31 0.32 Investment Financing - Neto
18
18 Piutang Pembiayaan Jasa Berdasarkan Prinsip Syariah - Neto % 0.69 0.35 0.41 0.50 0.57 0.53 0.54 0.55 0.56 0.57 0.58 0.58 0.58 0.59 0.61 0.63 0.64 0.66 Services Financing - Neto
19 Komposisi Pembiayaan terhadap Total Aset 1) Composition of Financing to Total Assets 1) 19

20 Piutang Pembiayaan Konvensional - Neto % 82.57 84.20 78.55 80.94 81.39 81.86 81.35 81.04 81.78 81.39 82.08 81.49 81.25 81.34 81.66 80.69 80.96 81.28 Convensional Financing- Neto 20
21 Piutang Pembiayaan Investasi - Neto % 32.68 30.90 30.97 32.60 35.66 35.62 35.81 35.79 36.11 35.66 35.67 35.73 35.77 35.55 35.49 35.45 35.49 35.48 Investment Financing - Neto 21
22 Piutang Pembiayaan Modal Kerja - Neto % 5.77 6.07 6.88 8.26 9.97 9.30 9.24 9.64 9.71 9.97 9.56 9.74 10.03 10.27 10.16 10.17 10.08 10.05 Working Capital Financing - Neto 22
23 Piutang Pembiayaan Multiguna - Neto % 61.52 62.99 62.10 59.02 54.24 54.94 54.80 54.45 54.05 54.24 54.65 54.38 54.08 54.07 54.23 54.26 54.34 54.35 Multipurpose Financing - Neto 23
24
24 Piutang Pembiayaan Lainnya Berdasarkan Persetujuan OJK - Neto % 0.03 0.04 0.05 0.12 0.13 0.14 0.14 0.12 0.14 0.13 0.13 0.15 0.12 0.12 0.12 0.11 0.10 0.12 Other Financing - Neto
25 Piutang Pembiayaan Berdasarkan Prinsip Syariah - Neto % 3.86 3.07 2.53 3.16 3.84 3.82 3.89 3.85 3.84 3.84 3.90 3.88 3.89 3.98 4.07 4.08 4.20 4.27 Sharia Financing- Neto 25
26
26 Piutang Pembiayaan Jual Beli Berdasarkan Prinsip Syariah - Neto % 84.31 89.29 86.27 85.40 84.89 86.01 85.96 85.73 85.13 84.89 84.51 84.57 84.51 84.69 84.55 84.27 80.73 80.45 Trading Financing - Neto
27
27 Piutang Pembiayaan Investasi Berdasarkan Prinsip Syariah - Neto % 0.24 0.63 0.65 1.22 2.41 2.05 2.12 2.19 2.30 2.41 2.63 2.69 2.71 2.66 2.68 2.74 6.26 6.42 Investment Financing - Neto
28
28 Piutang Pembiayaan Jasa Berdasarkan Prinsip Syariah - Neto % 15.45 10.07 13.08 13.38 12.69 11.94 11.91 12.08 12.57 12.69 12.86 12.74 12.78 12.66 12.77 12.99 13.01 13.13 Services Financing - Neto
29 29
30 NERACA BALANCE SHEET 30
31 ASET Rp Miliar/ Bilions of Rp 504,763 518,138 456,061 433,108 487,919 454,653 466,262 474,288 478,259 487,919 489,156 501,872 511,511 514,365 514,696 524,396 524,930 529,733 ASSETS 31
32 a.l. Pembiayaan Rp Miliar/ Bilions of Rp 436,267 452,216 369,758 364,232 415,864 389,539 397,430 402,642 409,494 415,864 420,604 428,417 435,531 438,853 441,230 444,516 447,034 453,157 o.w. Financing 32
33 Sewa Guna Usaha (SGU) Rp Miliar/ Bilions of Rp - - - - - - - - - - - - - - - - - Lease 33
34 Anjak Piutang (AP) Rp Miliar/ Bilions of Rp - - - - - - - - - - - - - - - - - Factoring 34
35 Kartu Kredit (KK) Rp Miliar/ Bilions of Rp - - - - - - - - - - - - - - - - - Credit Card 35
36 Pembiayaan Konsumen (PK) Rp Miliar/ Bilions of Rp - - - - - - - - - - - - - - - - - Consumer Finance 36
37 Piutang Pembiayaan Konvensional - Neto Rp Miliar/ Bilions of Rp 416,794 436,294 358,235 350,557 397,120 372,159 379,288 384,380 391,123 397,120 401,517 408,956 415,620 418,399 420,293 423,118 425,003 430,543 Convensional Financing- Neto 37
38 Piutang Pembiayaan Investasi - Neto Rp Miliar/ Bilions of Rp 136,208 134,825 110,958 114,276 141,630 132,574 135,836 137,570 141,220 141,630 143,211 146,132 148,659 148,736 149,167 150,008 150,828 152,759 Investment Financing - Neto 38
39 Piutang Pembiayaan Modal Kerja - Neto Rp Miliar/ Bilions of Rp 24,037 26,474 24,634 28,953 39,579 34,597 35,054 37,046 37,977 39,579 38,379 39,844 41,690 42,965 42,711 43,033 42,836 43,287 Working Capital Financing - Neto 39
40 Piutang Pembiayaan Multiguna - Neto Rp Miliar/ Bilions of Rp 256,417 274,836 222,467 206,907 215,399 204,455 207,868 209,301 211,397 215,399 219,415 222,375 224,778 226,216 227,922 229,601 230,928 233,981 Multipurpose Financing - Neto 40
41
41 Piutang Pembiayaan Lainnya Berdasarkan Persetujuan OJK - Neto Rp Miliar/ Bilions of Rp 133 159 176 422 511 532 530 463 530 511 512 606 493 482 494 476 411 516 Other Financing - Neto
42 Piutang Pembiayaan Berdasarkan Prinsip Syariah - Neto Rp Miliar/ Bilions of Rp 19,472 15,922 11,523 13,674 18,745 17,381 18,141 18,263 18,372 18,745 19,087 19,460 19,911 20,454 20,937 21,398 22,031 22,615 Sharia Financing- Neto 42
43
43 Piutang Pembiayaan Jual Beli Berdasarkan Prinsip Syariah - Neto Rp Miliar/ Bilions of Rp 16,418 14,218 9,941 11,677 15,913 14,949 15,595 15,657 15,639 15,913 16,130 16,458 16,826 17,322 17,702 18,032 17,786 18,193 Trading Financing - Neto
44
44 Piutang Pembiayaan Investasi Berdasarkan Prinsip Syariah - Neto Rp Miliar/ Bilions of Rp 47 101 75 167 452 357 385 400 423 452 502 524 540 544 561 585 1,380 1,452 Investment Financing - Neto
45
45 Piutang Pembiayaan Jasa Berdasarkan Prinsip Syariah - Neto Rp Miliar/ Bilions of Rp 3,008 1,604 1,507 1,830 2,379 2,075 2,161 2,205 2,310 2,379 2,455 2,479 2,545 2,589 2,673 2,781 2,866 2,970 Services Financing - Neto
46 Pertumbuhan Pembiayaan %, yoy 5.17 3.66 -18.23 -1.49 14.18 8.57 10.68 12.17 12.96 14.18 14.57 15.28 16.35 15.13 16.38 16.37 16.22 16.33 Growth of Financing 46
47 Sewa Guna Usaha (SGU) %, yoy - - - - - - - - - - - - - - - - - - Lease 47
48 Anjak Piutang (AP) %, yoy - - - - - - - - - - - - - - - - - - Factoring 48
49 Kartu Kredit (KK) %, yoy - - - - - - - - - - - - - - - - - - Credit Card 49
50 Pembiayaan Konsumen (PK) %, yoy - - - - - - - - - - - - - - - - - - Consumer Finance 50
51 Piutang Pembiayaan Konvensional - Neto %, yoy 7.96 4.68 -17.89 -2.14 13.28 7.14 9.25 10.92 11.88 13.28 13.78 14.58 15.68 14.53 15.82 15.89 15.59 15.69 Convensional Financing- Neto 51
52 Piutang Pembiayaan Investasi - Neto %, yoy 14.42 -1.02 -17.70 2.99 23.94 20.92 21.67 23.74 23.11 23.94 20.38 19.93 19.14 17.89 17.55 17.57 16.09 15.23 Investment Financing - Neto 52
53 Piutang Pembiayaan Modal Kerja - Neto %, yoy 5.30 10.14 -6.95 17.53 36.70 23.72 27.05 31.56 32.81 36.70 33.68 32.76 34.25 33.39 37.65 32.52 28.37 25.12 Working Capital Financing - Neto 53
54 Piutang Pembiayaan Multiguna - Neto %, yoy 5.05 7.18 -19.05 -6.99 4.10 -2.32 0.17 1.22 2.69 4.10 7.16 8.70 10.75 9.58 11.44 12.25 13.27 14.44 Multipurpose Financing - Neto 54
55
55 Piutang Pembiayaan Lainnya Berdasarkan Persetujuan OJK - Neto %, yoy 4 20 11 139.55 21.17 19.13 19.48 5.35 22.80 21.17 7.64 24.56 -0.70 -4.62 15.42 -0.31 -18.69 -3.15 Other Financing - Neto
56 Piutang Pembiayaan Berdasarkan Prinsip Syariah - Neto %, yoy -32.29 -18.23 -27.63 18.67 37.08 52.04 52.41 47.07 42.05 37.08 34.26 32.38 32.54 29.06 28.99 26.82 29.85 30.11 Sharia Financing- Neto 56
57
57 Piutang Pembiayaan Jual Beli Berdasarkan Prinsip Syariah - Neto %, yoy -35.21 -13.40 -30.08 17.47 36.27 52.37 52.77 49.31 42.34 36.27 32.44 30.55 31.62 28.10 27.11 24.27 22.09 21.70 Trading Financing - Neto
58
58 Piutang Pembiayaan Investasi Berdasarkan Prinsip Syariah - Neto %, yoy 206 117 -25.71 122.07 171.44 352.28 174.30 146.19 155.00 171.44 164.29 164.46 88.05 71.89 71.20 72.77 339.32 306.54 Investment Financing - Neto
59
59 Piutang Pembiayaan Jasa Berdasarkan Prinsip Syariah - Neto %, yoy -11.59 -46.69 -6.02 21.45 30.00 34.57 39.05 24.67 29.72 30.00 32.95 30.78 30.40 28.78 35.30 37.41 37.52 43.13 Services Financing - Neto
60 60
61 LIABILITAS LIABILITIES 61
62 a.l. Pendanaan/ Utang Rp Miliar/ Bilions of Rp 356,579 347,680 288,054 265,544 305,808 277,876 286,904 292,899 295,834 305,808 303,686 313,887 321,699 324,431 328,830 337,177 337,922 340,422 o.w. Financing/ Loans 62
63 Pinjaman Yang Diterima Rp Miliar/ Bilions of Rp 285,016 278,241 231,997 215,954 256,638 223,233 233,114 239,450 247,119 256,638 253,419 259,496 267,200 270,167 275,954 281,872 275,315 279,781 Loans received 63
64 Pinjaman Bank/ Lainnya Dalam Negeri Rp Miliar/ Bilions of Rp 180,231 178,418 140,202 143,403 197,721 160,396 171,231 177,426 185,706 197,721 195,325 201,232 209,462 213,777 221,352 226,181 220,842 224,927 Bank Loans/ Others from Domestic 64
65 Pinjaman Bank/ Lainnya Luar Negeri Rp Miliar/ Bilions of Rp 104,785 99,822 91,796 72,550 58,917 62,837 61,883 62,023 61,413 58,917 58,094 58,264 57,739 56,390 54,602 55,692 54,473 54,854 Banks Loans/ Others from Abroad 65
66 Surat Berharga yang Diterbitkan Rp Miliar/ Bilions of Rp 70,505 68,603 55,071 48,430 48,209 53,681 52,846 52,501 47,757 48,209 49,312 53,437 53,186 53,026 52,239 54,668 61,966 60,001 Issued Securities 66
67 Subordinasi Rp Miliar/ Bilions of Rp 1,058 837 985 1,161 961 962 944 949 958 961 954 954 1,313 1,238 637 636 641 640 Subordination 67
68 68
69 EKUITAS EQUITY 69
70 Modal Sendiri Rp Miliar/ Bilions of Rp 119,588 133,899 134,055 134,371 148,584 142,263 143,765 146,480 147,731 148,584 150,607 152,454 152,502 149,989 150,596 149,417 151,991 154,448 Paid in Capital 70
71 Penyertaan Modal Rp Miliar/ Bilions of Rp 1,207 1,314 1,334 1,424 1,602 1,570 1,537 1,548 1,562 1,602 1,611 1,622 1,616 1,625 1,701 1,711 1,722 1,727 Equity Capital 71
72 72
73 Pendapatan Operasional Rp Miliar/ Bilions of Rp 105,174 112,259 98,867 92,876 103,919 66,010 74,353 84,941 94,185 103,919 10,306 18,626 28,290 38,083 47,946 58,291 68,395 78,649 Operating Income 73
74 a.l. Pendapatan Bunga Rp Miliar/ Bilions of Rp 88,216 94,468 84,773 76,944 86,318 55,828 62,612 70,917 78,477 86,318 8,573 15,309 23,109 31,320 39,329 47,347 55,484 63,785 a.l. Interest Income 74
75 75
76 Beban Operasional Rp Miliar/ Bilions of Rp 84,898 88,604 90,058 74,885 78,608 50,487 56,757 64,935 71,681 78,608 8,192 14,269 22,084 30,003 37,588 45,378 53,026 60,795 Operating Expenses 76
77 a.l. Beban Bunga Rp Miliar/ Bilions of Rp 26,650 27,557 23,129 16,623 17,383 10,994 12,512 14,005 15,708 17,383 1,827 3,483 5,405 7,304 9,327 11,341 13,430 15,517 a.l. Interest Expenses 77
78 78
79 Laba Sebelum Pajak Rp Miliar/ Bilions of Rp 21,510 24,516 9,799 19,671 25,862 15,920 18,046 20,559 23,025 25,862 2,225 4,542 6,527 8,542 10,701 13,507 15,828 18,442 Income before Tax 79
80 Laba Setelah Pajak Rp Miliar/ Bilions of Rp 16,025 18,131 7,027 15,289 20,361 12,606 14,327 16,292 18,171 20,361 1,739 3,660 5,228 6,848 8,554 10,910 12,624 14,745 Income after Tax 80

30 Bank Indonesia
TABEL 7. INDIKATOR PERUSAHAAN PEMBIAYAAN/
TABLE 7. INDICATORS OF FINANCE COMPANY
2022 2023
Keterangan:
1)
Perhitungan Komposisi Piutang Pembiayaan Konvensional - Neto dan Piutang Pembiayaan Berdasarkan Prinsip Note:
1)
Calculation of the Composition of Conventional Financing Receivables - Net and Financing Receivables Based on Sharia Principles -
Syariah - Neto dilakukan oleh Bank Indonesia dengan membandingkan terhadap Total Aset. Sumber data yang
Net is carried out by Bank Indonesia by comparing against Total Assets. The source of the data used is from the OJK
digunakan dari OJK.
- Data pendapatan dan Biaya serta Laba Rugi merupakan data akumulasi pada tahun yang bersangkutan - Income and Expense statement accumulated in the current year
- Sejak September 2016 Piutang Pembiayaan dirinci sebagaimana publikasi OJK. - Since September 2016 the detail of Financing have been accustemed to be in conformity with th FSA publication.
- Revisi sejak September 2016 cakupan indikator Modal Sendiri ditambahkan dengan Komponen Ekuitas Lainnya. - Since September 2016 data coverage of equity has been changed. Own equity coverage includes other component of equity.
* Angka Sementara *Preliminary Figures
Sumber: OJK (diolah) Source: FSA (processed)

31 Bank Indonesia
TABEL 8. INDIKATOR DANA PENSIUN/
TABLE 8. INDICATORS OF PENSION FUNDS
2022 2023
1 Jumlah Perusahaan Dana Pensiun Satuan / Unit 232 224 215 208 197 199 198 197 197 197 195 194 194 194 194 194 194 193 Number of Pension Funds 1
2 DPPK-PPIP Satuan / Unit 44 41 44 42 36 37 36 35 36 36 35 35 35 35 35 35 35 35 DPPK-PPIP 2
3 DPPK-PPMP Satuan / Unit 164 158 148 141 136 137 137 137 136 136 135 135 135 135 135 135 135 135 DPPK-PPMP 3
4 DPLK Satuan / Unit 24 25 23 25 25 25 25 25 25 25 25 24 24 24 24 24 24 23 DPLK 4
5 Aset Dana Pensiun terhadap Aset Sektor Keuangan % 2.55 2.59 2.63 2.50 2.38 2.48 2.45 2.40 2.41 2.38 2.42 2.42 2.43 2.45 2.47 2.46 2.47 * … Assets Pension Funds to Assets of Financial Sector 5
6 6
7 Return on Assets (ROA) 1) % 7.25 7.12 5.86 6.42 5.74 3.90 4.37 4.77 5.25 5.74 0.50 0.95 1.57 2.09 2.72 3.30 3.86 4.42 Return on Assets (ROA) 1) 7
8 Return on Investment (ROI) % 7.49 7.65 6.51 6.64 5.93 4.04 4.52 4.94 5.42 5.93 0.52 0.98 1.62 2.15 2.81 3.41 3.98 4.57 Return on Investment (ROI) 8
9 Rasio Investasi terhadap Aset (RITA) % 96.82 96.91 97.19 96.82 97.33 96.69 96.93 96.86 97.15 97.33 96.92 96.96 96.88 96.73 96.71 96.58 96.64 96.72 Investment to Assets Ratio 9
10 Komposisi Investasi Dana Pensiun Investment Composition of Pension Funds 10
11 Surat Berharga Pemerintah % 22.72 23.85 24.54 29.22 32.66 31.12 31.89 32.27 32.68 32.66 32.68 33.40 33.93 33.98 33.42 33.84 34.17 34.64 Government Securities 11
12 Tabungan % 0.15 0.16 0.22 0.25 0.09 0.24 0.22 0.19 0.17 0.09 0.17 0.17 0.18 0.19 0.25 0.19 0.26 0.17 Saving 12
13 Deposito On Call % 0.41 0.36 0.34 0.59 0.43 0.52 0.53 0.62 0.69 0.43 0.99 0.70 0.68 0.56 0.64 0.81 0.55 0.68 Deposit On Call 13
14 Deposito Berjangka % 26.18 28.20 28.19 26.37 26.31 25.55 25.03 24.64 24.95 26.31 25.33 24.87 24.73 24.79 25.77 25.31 24.80 24.47 Time Deposit 14
15 Sertifikat Deposito % 0.57 0.18 0.00 0.01 0.05 0.01 0.00 0.00 0.00 0.05 0.05 0.05 0.05 0.05 0.05 0.01 0.01 0.01 Deposit Certificate 15
16 Sertifikat Bank Indonesia % - - - - - - - - - - - - - - - - - - Bank Indonesia Certificate 16
17 Saham % 11.73 10.82 10.51 9.68 8.60 9.34 9.24 9.43 9.01 8.60 8.67 8.69 8.55 8.57 8.16 8.30 8.47 8.43 Stock 17
18 Obligasi % 21.19 20.74 20.60 19.06 17.80 18.41 18.52 18.26 18.11 17.80 17.82 18.00 17.82 17.81 17.71 17.62 17.86 17.83 Bond 18
19 Sukuk % 1.28 1.41 1.49 1.55 1.67 1.60 1.64 1.68 1.70 1.67 1.81 1.86 1.81 1.85 1.85 1.85 1.85 1.88 Sharia bond 19
20 Unit Penyertaan Reksadana % 6.47 5.37 5.61 5.06 4.10 4.87 4.58 4.55 4.44 4.10 4.18 3.99 4.03 4.03 3.99 3.97 3.94 3.83 Mutual Fund Units 20
21 Efek Beragun Aset dari KIK EBA % 0.39 0.36 0.32 0.20 0.17 0.13 0.12 0.11 0.11 0.17 0.16 0.16 0.15 0.15 0.14 0.18 0.18 0.17 Assets Backed Securities from CICABS 21
22
22 Unit Penyertaan Dana Investasi Real Estate berbentuk KIK % 0.04 0.02 0.01 0.01 0.00 0.01 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Real Estate Investment Funds in the form of CIC
23 Penyertaan Langsung 2) % 3.59 3.46 3.30 3.37 3.38 3.40 3.42 3.41 3.36 3.38 3.38 3.39 3.42 3.41 3.42 3.39 3.38 3.38 Direct Investment 2) 23
24 Tanah % 1.56 1.50 1.56 1.61 1.01 0.98 1.00 1.00 0.99 1.01 1.01 1.01 0.96 0.96 0.95 0.94 0.94 0.94 Land 24
25 Bangunan % 0.97 0.72 0.65 0.55 0.49 0.53 0.52 0.52 0.51 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 Building 25
26 Tanah dan Bangunan % 2.68 2.72 2.51 2.41 3.16 3.22 3.23 3.22 3.18 3.16 3.17 3.16 3.11 3.09 3.07 3.04 3.02 3.02 Land and Building 26
27 27
29 INVESTASI (Nilai Wajar) Rp Miliar/ Billions of Rp 260,944 282,635 305,832 316,981 333,492 324,870 324,992 325,945 329,957 333,492 333,236 334,364 336,144 338,287 340,402 343,290 344,858 345,997 INVESTMENT (Fair Value) 29
30 a.l.Surat Berharga Pemerintah Rp Miliar/ Billions of Rp 59,297 67,410 75,045 92,608 108,913 101,101 103,649 105,195 107,816 108,913 108,902 111,679 114,070 114,947 113,746 116,159 117,849 119,869 o.w. Government Bond 30
31 Tabungan Rp Miliar/ Billions of Rp 399 459 671 799 296 780 714 611 571 296 582 558 618 629 859 655 888 595 Saving 31
32 Deposito On Call Rp Miliar/ Billions of Rp 1,060 1,028 1,034 1,864 1,436 1,682 1,727 2,013 2,268 1,436 3,292 2,325 2,281 1,902 2,195 2,782 1,905 2,357 Deposit On Call 32
33 Deposito Berjangka Rp Miliar/ Billions of Rp 68,308 79,700 86,215 83,590 87,744 82,996 81,345 80,314 82,327 87,744 84,421 83,165 83,121 83,860 87,728 86,873 85,520 84,656 Time Deposit 33
34 Sertifikat Deposito Rp Miliar/ Billions of Rp 1,495 501 0 39 165 40 0 0 0 165 166 167 168 168 169 19 20 20 Certificate of Deposit 34
35 Sertifikat Bank Indonesia Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - - - Certificate of Central Bank 35
36 Saham Rp Miliar/ Billions of Rp 30,601 30,579 32,139 30,695 28,670 30,339 30,014 30,739 29,724 28,670 28,884 29,050 28,737 29,006 27,793 28,477 29,211 29,160 Share 36
37 Obligasi Rp Miliar/ Billions of Rp 55,291 58,631 63,014 60,415 59,354 59,819 60,180 59,525 59,770 59,354 59,382 60,180 59,916 60,254 60,288 60,486 61,592 61,689 Bond 37
38 Sukuk Rp Miliar/ Billions of Rp 3,335 3,993 4,562 4,925 5,586 5,211 5,316 5,468 5,601 5,586 6,030 6,208 6,069 6,263 6,302 6,337 6,385 6,501 Sharia bond 38
39 Unit Penyertaan Reksadana Rp Miliar/ Billions of Rp 16,884 15,168 17,170 16,031 13,689 15,806 14,887 14,825 14,636 13,689 13,924 13,348 13,544 13,638 13,583 13,623 13,591 13,252 Mutual Fund Units 39
40 Efek Beragun Aset dari KIK EBA Rp Miliar/ Billions of Rp 1,010 1,028 965 624 551 417 374 367 350 551 540 520 494 491 476 617 614 589 Assets Backed Securities from CICABS 40
Unit Penyertaan Dana Investasi Real Estate berbentuk KIK 41
41 Rp Miliar/ Billions of Rp 3 3 3 3 3 3 3 3 Real Estate Investment Funds in the Form of CIC
112 45 46 28 4 28 28 27 27 4
42 Penyertaan Langsung 2) Rp Miliar/ Billions of Rp 9,373 9,789 10,100 10,680 11,261 11,051 11,124 11,108 11,096 11,261 11,274 11,321 11,513 11,543 11,658 11,645 11,649 11,683 Direct Investment 2) 42
43 Tanah Rp Miliar/ Billions of Rp 4,080 4,238 4,775 5,109 3,361 3,178 3,252 3,263 3,269 3,361 3,363 3,370 3,243 3,234 3,234 3,232 3,248 3,240 Land 43
44 Bangunan Rp Miliar/ Billions of Rp 2,531 2,033 1,980 1,748 1,645 1,736 1,683 1,683 1,679 1,645 1,645 1,643 1,645 1,645 1,665 1,666 1,684 1,679 Building 44
45 Tanah dan Bangunan Rp Miliar/ Billions of Rp 6,997 7,692 7,672 7,626 10,554 10,471 10,486 10,494 10,508 10,554 10,565 10,565 10,460 10,445 10,446 10,445 10,431 10,435 Land and Building 45
46 NON INVESTASI (Nilai Wajar) Rp Miliar/ Billions of Rp 8,564 9,013 8,839 10,415 9,143 11,133 10,293 10,551 9,681 9,143 10,581 10,476 10,833 11,433 11,563 12,168 11,986 11,740 NON INVESTMENT (Fair Value) 46
48 TOTAL ASET BERSIH Rp Miliar/ Billions of Rp 267,884 289,737 312,285 324,684 340,707 333,692 333,237 334,421 337,289 340,707 341,715 342,321 344,349 347,354 349,450 353,014 354,738 355,426 TOTAL NET ASSETS 48
Keterangan: Note:
1)
Mulai bulan Agustus 2021 menggunakan formula selisih antara pendapatan investasi dengan beban 1)
Since August 2021, OJK use formula for the difference between investment income and investment expenses divided by the average Available Assets
investasi dibagi dengan rata-rata Aset Tersedia dari Januari sampai dengan bulan berjalan from January to the current month
2)
Berdasarkan SE OJK Nomor 4 Tahun 2021 terkait Bentuk dan Susunan Laporan Berkala Dana 2)
Based on SE OJK No.4 2021 regarding Form and Structure of Pension Fund Periodic Reports, since May 2021 the terminology of 'Direct
Pensiun, sejak Mei 2021 terminologi 'Penempatan Langsung pada Saham' disesuaikan menjadi
Investment in Shares' has been adjusted to 'Direct Investment'.
'Penyertaan Langsung'.
- Revisi berdasarkan Statistik Dana Pensiun tahun 2016 - Revision based on Pension Fund Statistics 2016
- Liabilitas merupakan liabilitas diluar liabilitas aktuaria yang terdiri dari Hutang Manfaat Pensiun - Liabilities excluding actuarial liability that consists of benefit payables,
Jatuh Tempo,
Hutang Investasi, Pendapatan Diterima Dimuka, Beban yang Masih Harus Dibayar, dan Liabilitas di investment debt, deffered revenue, accrued expenses, and others liabilities
luar Liabilitas
- DPPK PPMPManfaat PensiunPemberi
: Dana Pensiun Lain Kerja Program Pensiun Manfaat Pasti
- EPF DBPP: Employer Pension Funds Defined Benefit Pension Plan
- DPPK PPIP : Dana Pensiun Pemberi Kerja Program Pensiun Iuran Pasti - EPF DCPP: Employer Pension Funds Defined Contribution Pension Plan
- DPLK : Dana Pensiun Lembaga Keuangan - FIPF: Financial Institution Pension Funds
- KIK EBA: Kontrak Investasi Kolektif Efek Beragun Aset - CICABS: Collective Investment Contract Asset Backed Securities
- Sejak bulan Desember 2016, terdapat penambahan komposisi aset yaitu MTN dan Repo - Since Desember 2016, OJK add two component in assets, Medium Term Notes and Repo

TABEL 9. INDIKATOR PERUSAHAAN MODAL VENTURA
TABLE 9. INDICATORS OF VENTURE CAPITAL COMPANY
2022 2023
KOMPONEN SATUAN/ UNIT 2020 2021 2022 COMPONENT
1 Jumlah Perusahaan Modal Ventura Satuan / Unit 61 60 54 56 56 54 54 54 55 55 55 55 55 55 55 55 Number of Conventional Venture Capital Company 1
2 Aset Modal Ventura terhadap Aset Sektor Keuangan % 0.16 0.16 0.18 0.18 0.18 0.17 0.17 0.18 0.18 0.19 0.20 0.19 0.19 0.19 0.19 * … Assets of Venture Capitals to Assets of Financial Sector 2
3 3
4 Return on Asset % 2.31 2.37 4.70 3.33 3.48 3.67 3.63 4.70 1.01 3.53 2.96 2.32 1.70 1.69 1.85 2.05 Return on Assets 4
5 Return on Equity % 4.28 4.38 7.89 5.18 5.43 5.63 5.75 7.89 2.00 5.19 4.52 3.50 2.44 2.31 2.61 2.91 Return on Equity 5
6 NPF % 5.60 4.09 3.60 3.40 3.41 3.67 3.90 3.60 4.00 3.90 3.68 3.85 4.97 4.10 4.39 4.21 NPF 6
7 Rasio Investasi dan Pembiayaan terhadap Total Aset (IFAR) % 69.04 75.61 69.46 74.69 73.94 72.75 72.60 69.46 68.69 68.02 66.96 67.35 66.59 66.60 65.54 64.45 Investment and Financing to Assets Ratio (IFAR) 7
8 Biaya Operasional Terhadap Pendapatan Operasional (BOPO) % 90.70 90.47 79.72 83.48 82.87 82.13 82.46 79.72 95.23 82.76 85.00 88.25 92.17 92.63 92.13 91.49 Operational Revenue to Operational Expense (BOPO) 8
9 Rasio Gearing Kali/Times 0.79 0.71 0.65 0.78 0.79 0.74 0.73 0.65 0.65 0.62 0.64 0.65 0.64 0.62 0.62 0.61 Gearing Ratio 9
10 Komposisi Penyertaan Modal Ventura Composition of Share and Other Equity of Venture Capitals 10
11 Penyertaan Saham % 22.81 37.95 37.73 35.64 35.79 36.20 36.55 37.73 38.25 37.55 36.61 36.78 37.15 36.37 36.74 42.09 Equity Investments 11
12 Obligasi Konversi % 5.20 4.46 4.12 4.14 4.14 3.77 4.05 4.12 4.12 4.11 4.17 4.14 4.24 4.28 4.44 5.09 Converted Bonds 12
13 Pembelian Surat Utang Start-Up % - - - - - - - - - - - - - - - - Purchase of Start-Up Notes 13
14 Pembiayaan Bagi Hasil (Net) % 71.99 57.59 58.15 60.22 60.07 60.02 59.41 58.15 57.63 58.35 59.22 59.08 58.60 59.35 58.82 52.82 Profit Sharing Financing (Net) 14
15 Komposisi Investasi Modal Ventura Berdasarkan Prinsip Syariah Composition of Venture Capital Investment Based on Sharia Principles 15
16 Penyertaan Saham % 3.41 3.59 19.21 18.27 19.07 19.29 19.64 19.21 19.49 20.51 22.20 22.85 22.36 23.12 23.72 6.37 Share Investment 16
17 Pembelian Sukuk atau Obligasi Syariah Konversi (Neto) % - - - - - - - - - - - - - - - - Purchase of Sukuk or Convertible Sharia Bonds (Net) 17
Pembelian Sukuk atau Obligasi Syariah yang Diterbitkan Pasangan Usaha pada Tahap Rintisan Awal 18
18 % - - - - - - - - - - - - - - - - Purchase of Sukuk or Sharia Bonds Issued by Business Partners at the Start-Up Stage
(Start-Up)
19 Pembiayaan Berdasarkan Prinsip Bagi Hasil (Neto) % 96.59 96.41 80.79 81.73 80.93 80.71 80.36 80.79 80.51 79.49 77.80 77.15 77.64 76.88 76.28 93.63 Financing Based on Profit Sharing Principles (Net) 19
20 20
21 ASET Rp Miliar /Billions of Rp 19,479 21,268 25,940 24,050 24,199 24,479 24,598 25,940 26,098 26,748 27,912 27,731 27,645 27,351 27,644 27,610 ASSETS 21
22 Kas dan Setara Kas Rp Miliar /Billions of Rp 2,510 2,207 2,965 2,556 2,763 2,931 3,033 2,965 3,196 3,561 4,170 3,857 4,148 5,125 6,056 6,110 Cash and cash equivalents 22
23 Kas Rp Miliar /Billions of Rp 417 23 26 92 117 68 88 26 92 89 100 16 84 59 62 78 Cash 23
24 Simpanan pada Bank Dalam Negeri Rp Miliar /Billions of Rp 2,092 2,185 2,939 2,464 2,646 2,864 2,945 2,939 3,103 3,472 4,070 3,841 4,064 5,065 5,993 6,031 Deposits at Domestic Banks 24
25 Giro Rp Miliar /Billions of Rp 491 1,187 1,126 912 854 1,120 1,186 1,126 1,351 1,344 1,349 1,340 1,300 2,537 1,174 1,344 Giro 25
26 Simpanan Lainnya Rp Miliar /Billions of Rp 1,601 998 1,813 1,552 1,792 1,743 1,759 1,813 1,753 2,129 2,721 2,502 2,763 2,528 4,819 4,688 Other Savings 26
27 Simpanan Pada Bank Luar Negeri Rp Miliar /Billions of Rp 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 Deposits at Foreign Banks 27
28 Giro Rp Miliar /Billions of Rp 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Giro 28
29 Simpanan Lainnya Rp Miliar /Billions of Rp - - - - - - - - - - - - 1 1 1 1 Other Savings 29
30 Aset Tagihan Derivatif Rp Miliar /Billions of Rp 24 19 8 7 7 8 11 8 9 7 5 5 4 6 5 7 Derivative Collectible Assets 30
31 Pembiayaan/Penyertaan Modal Ventura Rp Miliar /Billions of Rp 12,622 15,330 17,325 17,300 17,238 17,148 17,200 17,325 17,255 17,496 18,037 18,036 17,728 17,544 17,433 15,193 Financing/ Investment of Venture Capital 31
32 Penyertaan Saham Rp Miliar /Billions of Rp 2,879 5,818 6,537 6,165 6,169 6,208 6,286 6,537 6,601 6,569 6,604 6,633 6,587 6,381 6,405 6,395 Investment in Shares 32
33 Penyertaan Melalui Pembelian Obligasi Konversi (Neto) Rp Miliar /Billions of Rp 656 683 714 716 714 647 696 714 711 718 752 747 753 751 774 773 Investment through Convertible Bonds (Net) 33
34
Pembiayaan Melalui Pembelian Surat Utang yang Diterbitkan Pasangan Usaha pada Tahap Rintisan
34 Rp Miliar /Billions of Rp - - - - - - - - - - - - - - - - Financing through Debt Securities issued by Business Partner at Start-Up and/or Business Development (Net)
Awal (Start-Up) dan/atau Pengembangan Usaha (Neto)
35 Pembiayaan Usaha Produktif (Neto) Rp Miliar /Billions of Rp 9,087 8,829 10,075 10,419 10,355 10,292 10,218 10,075 9,943 10,209 10,681 10,656 10,389 10,413 10,254 8,025 Financing in Productive Business 35
36 Investasi Modal Ventura Berdasarkan Prinsip Syariah Rp Miliar /Billions of Rp 826 751 692 664 655 661 658 692 671 698 654 641 680 672 684 2,601 Investment in Venture Capital Based on Sharia Principles 36
37 Penyertaan Saham Rp Miliar /Billions of Rp - 27 133 121 125 127 129 133 131 143 145 147 152 155 162 166 Share Investment 37
38 Pembelian Sukuk atau Obligasi Syariah Konversi (Neto) Rp Miliar /Billions of Rp - - - - - - - - - - - - - - - - Purchase of Sukuk or Convertible Sharia Bonds (Net) 38
Pembelian Sukuk atau Obligasi Syariah yang Diterbitkan Pasangan Usaha pada Tahap Rintisan Awal 39
39 Rp Miliar /Billions of Rp - - - - - - - - - - - - - - - - Purchase of Sukuk or Sharia Bonds Issued by Business Partners at the Start-Up Stage
(Start-Up)
40 Pembiayaan Berdasarkan Prinsip Bagi Hasil (Neto) Rp Miliar /Billions of Rp - 724 559 543 530 533 529 559 540 555 508 495 528 517 522 2,435 Financing Based on Profit Sharing Principles (Net) 40
41 Penyertaan pada Dana Ventura Rp Miliar /Billions of Rp 51 183 270 240 241 241 241 270 270 270 265 272 272 274 274 274 Investments in the Venture Fund 41
42 Piutang Pengelolaan Dana Ventura Rp Miliar /Billions of Rp 3 3 6 1 1 1 6 6 1 0 1 0 0 1 1 0 Receivables of Venture Fund Management 42
43 Tagihan Terkait Kegiatan Usaha Lain Rp Miliar /Billions of Rp 3 15 22 21 21 26 22 22 19 19 22 21 21 23 21 21 Claims Related to Other Business Activities 43
44 Investasi dalam Surat Berharga Rp Miliar /Billions of Rp 194 53 30 36 36 31 32 30 30 31 30 29 29 28 28 109 Investment on Securities 44
45 Aset Tetap dan Inventaris - Neto Rp Miliar /Billions of Rp 547 479 393 429 422 384 378 393 387 383 378 381 379 374 368 380 Fixed Assets and Inventory (Net) 45
46 Aset Tetap dan Inventaris Bruto Rp Miliar /Billions of Rp 950 1,019 1,062 1,054 1,059 1,032 1,038 1,062 1,069 1,077 1,084 1,099 1,109 1,117 1,123 1,148 Fixed Assets and Inventory (Gross) 46
47 Akumulasi Penyusutan Aset Tetap dan Inventaris Rp Miliar /Billions of Rp 403 540 669 625 637 648 660 669 683 694 706 718 731 743 755 768 Accumulated Depreciation of Fixed Assets and Inventory 47
48 Aset Pajak Tangguhan Rp Miliar /Billions of Rp 108 112 115 113 115 119 122 115 134 121 126 124 124 115 124 114 Defered Tax Assets 48
49 Rupa-Rupa Aset Rp Miliar /Billions of Rp 2,593 2,116 4,114 2,684 2,699 2,929 2,894 4,114 4,125 4,163 4,225 4,365 4,259 3,188 2,651 2,800 Other Assets 49
50 50
51 LIABILITAS Rp Miliar /Billions of Rp 9,478 9,846 11,659 11,875 11,952 11,844 11,825 11,659 11,741 11,801 12,424 12,219 12,020 11,785 11,934 11,830 LIABILITIES 51
52 Liabilitas Segera Rp Miliar /Billions of Rp 814 1,104 1,537 1,425 1,360 1,442 1,443 1,537 1,553 1,596 1,491 1,282 1,096 1,283 1,180 1,192 Immediate Liabilities 52
53 Liabilitas Derivatif Rp Miliar /Billions of Rp 8 8 9 7 8 8 8 9 8 9 9 8 8 9 9 9 Derivative Liabilities 53
54 Utang Pajak Rp Miliar /Billions of Rp 36 88 229 178 204 217 228 229 238 259 292 198 194 194 202 206 Tax Liabilities 54
55 Pinjaman yang diterima Rp Miliar /Billions of Rp 7,022 7,288 8,840 8,928 9,061 8,837 8,942 8,840 8,695 8,685 9,371 9,503 9,456 9,033 8,911 8,782 Loan 55
56 Pinjaman/Pendanaan yang Diterima dari Dalam Negeri Rp Miliar /Billions of Rp 5,570 5,915 6,896 7,221 7,300 7,125 7,098 6,896 6,664 6,656 7,276 7,431 7,413 7,075 7,009 6,716 Domestic Loans/Financing 56
57 Pinjaman/Pendanaan Yang Diterima dari Bank Rp Miliar /Billions of Rp 3,477 4,132 5,274 5,610 5,674 5,496 5,414 5,274 5,103 5,088 5,690 5,875 5,789 5,478 5,352 5,083 Bank Loans/Financing 57
58
58 Pinjaman/Pendanaan yang Diterima dari Lembaga Jasa Keuangan Nonbank Rp Miliar /Billions of Rp 543 582 525 540 534 531 609 525 482 478 482 474 477 485 479 474 Non Bank Financial Industry Loans/Financing
59 Pinjaman/Pendanaan yang Diterima Lainnya Rp Miliar /Billions of Rp 1,549 1,200 1,098 1,071 1,092 1,098 1,075 1,098 1,079 1,089 1,103 1,082 1,147 1,111 1,179 1,159 Other Loans/Financing 59
60 Pinjaman/Pendanaan yang Diterima dari Luar Negeri Rp Miliar /Billions of Rp 1,452 1,374 1,943 1,707 1,760 1,713 1,844 1,943 2,030 2,029 2,095 2,073 2,044 1,959 1,901 2,066 Foreign Loans/Financing 60
61 Pinjaman/Pendanaan yang Diterima dari Bank Rp Miliar /Billions of Rp 194 131 198 166 168 157 151 198 195 190 297 283 278 278 278 272 Bank Loans/Financing 61
62
62 Pinjaman/Pendanaan yang Diterima dari Lembaga Jasa Keuangan Nonbank Rp Miliar /Billions of Rp 1,050 1,236 1,720 1,533 1,581 1,545 1,665 1,720 1,810 1,813 1,773 1,764 1,740 1,655 1,598 1,762 Non Bank Financial Industry Loans/Financing
63 Pinjaman/Pendanaan yang Diterima Lainnya Rp Miliar /Billions of Rp 209 7 26 8 11 11 27 26 26 26 26 26 26 26 26 32 Other Loans/Financing 63

64 Surat Berharga yang Diterbitkan Rp Miliar /Billions of Rp 886 811 390 575 547 547 408 390 590 580 567 550 550 550 700 700 Issued Securities 64
65 Liabilitas Pajak Tangguhan Rp Miliar /Billions of Rp 0 0 54 53 53 54 54 54 53 53 51 51 51 51 51 52 Deffered Tax Liabilities 65
66 Pinjaman/Pendanaan Subordinasi Rp Miliar /Billions of Rp 36 63 34 34 34 34 34 34 33 33 33 32 32 32 213 214 Subordinate Loans/Financing 66
67 Pinjaman/Pendanaan Subordinasi Dalam Negeri Rp Miliar /Billions of Rp 22 49 18 19 19 19 19 18 18 18 18 17 17 17 17 16 Domestic Subordinate Loans/Financing 67
68 Pinjaman/Pendanaan Subordinasi Luar Negeri Rp Miliar /Billions of Rp 14 14 16 15 15 16 16 16 15 15 15 15 15 15 196 198 Foreign Subordinate Loans/Financing 68
69 Rupa-Rupa Liabilitas Rp Miliar /Billions of Rp 675 483 568 675 684 704 708 568 571 587 611 594 632 632 668 675 Other Liabilities 69
70 70
71 EKUITAS Rp Miliar /Billions of Rp 10,001 11,423 14,280 12,175 12,247 12,636 12,773 14,280 14,357 14,947 15,488 15,512 15,625 15,566 15,710 15,780 EQUITY 71
72 Modal Rp Miliar /Billions of Rp 7,549 7,207 9,171 7,595 7,595 7,926 7,990 9,171 9,205 9,705 10,224 10,244 10,245 10,160 10,260 10,262 Capital 72
73 a.l Modal Disetor Rp Miliar /Billions of Rp 7,325 6,674 8,866 7,316 7,316 7,646 7,692 8,866 8,774 9,261 9,765 9,785 9,786 9,701 9,801 9,801 o-w Paid-up Capital 73
74 Simpanan Pokok dan Simpanan Wajib Rp Miliar /Billions of Rp - - - - - - - - - - - - - - - - Main Savings and Mandatory Savings 74
75 Tambahan modal Disetor Rp Miliar /Billions of Rp 224 535 248 223 223 224 241 248 375 387 402 402 402 402 402 404 Additional Paid-up Capital 75
76 Disagio Rp Miliar /Billions of Rp - 1 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Disagio 76
77 Modal Saham Diperoleh Kembali Rp Miliar /Billions of Rp 0 - 60 60 60 60 60 60 60 60 60 60 60 60 60 60 Share Capital Recoverable 77
78 Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali Rp Miliar /Billions of Rp 0.10 -0.24 -0.21 -0.22 -0.22 -0.21 -0.21 -0.21 -0.21 -0.20 -0.20 -0.20 -0.20 -0.19 -0.19 -0.19 Difference in Restructuring Transactions Value between Common Control Entities 78
79 Cadangan Rp Miliar /Billions of Rp 182 448 544 547 547 544 544 544 544 543 546 546 547 567 567 566 Reserves 79
80 Saldo Laba (Rugi) yang Ditahan Rp Miliar /Billions of Rp 1,835 3,230 3,569 3,588 3,585 3,569 3,569 3,569 4,551 4,543 4,520 4,515 4,659 4,641 4,630 4,630 Retained Profit (Loss) 80
81 Laba (Rugi) Bersih Setelah Pajak Rp Miliar /Billions of Rp 421 507 966 410 485 562 636 966 24 127 169 176 155 176 233 298 Profit (Loss) after Tax 81
82 Komponen Ekuitas Lainnya Rp Miliar /Billions of Rp 14 30 31 34 35 35 34 31 33 29 29 31 20 22 20 23 Other Component Equity 82
83 TOTAL LIABILITAS DAN EKUITAS Rp Miliar /Billions of Rp 19,479 21,268 25,940 24,050 24,199 24,479 24,598 25,940 26,098 26,748 27,912 27,731 27,645 27,351 27,644 27,610 TOTAL LIABILITIES AND EQUITY 83
84 84
85 PENDAPATAN Rp Miliar /Billions of Rp 3,275 3,658 4,810 2,830 3,237 3,680 4,109 4,810 503 821 1,224 1,600 1,968 2,374 2,820 3,267 REVENUES 85
86 Pendapatan Operasional Rp Miliar /Billions of Rp 2,603 2,529 3,751 2,330 2,661 2,993 3,331 3,751 377 649 978 1,275 1,573 1,905 2,241 2,580 Operational Revenues 86
87 Pendapatan dari Kegiatan Operasi Rp Miliar /Billions of Rp 2,521 2,341 3,534 2,175 2,489 2,811 3,134 3,534 347 616 941 1,223 1,520 1,839 2,166 2,492 Income from Operating Activities 87
88 Pendapatan Dividen dari Kegiatan Penyertaan Saham Rp Miliar /Billions of Rp 24 44 2 1 1 1 1 2 0 0 0 0 1 1 1 1 Dividend Income from Share Investment Activities 88
89
89 Pendapatan dari Keuntungan Penjualan Aset Penyertaan atau Surat Berharga Rp Miliar /Billions of Rp 38 129 199 78 86 93 111 199 11 17 28 42 54 66 75 84 Profit Income from Investment Assets Sales or Securities
90
90 Pendapatan Bunga dari Kegiatan Penyertaan Melalui Pembelian Obligasi Konversi Rp Miliar /Billions of Rp 7 12 13 9 10 10 11 13 3 3 4 6 7 9 10 12 Interest Income from Investment through Convertible Bonds
91
Pendapatan Bunga dari Kegiatan Pembiayaan Melalui Pembelian Surat Utang yang Diterbitkan
91 Rp Miliar /Billions of Rp 0 - - - - - - - - - - - - - - - Interest Income from Financing through Debt Securities issued by Business Partner at Start-Up and/or Business Development
Pasangan Usaha pada Tahap Rintisan Awal (Start-up) dan/atau Pengembangan Usaha
92 Pendapatan Bunga dari Kegiatan Pembiayaan Usaha Produktif Rp Miliar /Billions of Rp 2,452 2,155 3,319 2,088 2,392 2,706 3,010 3,319 332 597 909 1,174 1,458 1,763 2,080 2,395 Interest Income from Financing in Productive Business 92
93 Pendapatan dari Kegiatan Operasi Berdasarkan Prinsip Syariah Rp Miliar /Billions of Rp 66 89 63 41 46 51 56 63 9 9 15 20 24 30 36 41 Income from Operating Activities Based on Sharia Principles 93
94 Pendapatan dari Penyertaan pada Dana Ventura Rp Miliar /Billions of Rp 0 32 33 13 14 14 14 33 - - (6) (6) (6) (4) (4) (4) Income from Investments in Venture Funds 94
95 Pendapatan dari Kegiatan Pengelolaan Dana Ventura Rp Miliar /Billions of Rp - 2 2 1 2 2 2 2 - - 0 0 0 1 1 1 Income from Venture Fund Management Activities 95
96 Pendapatan dari Kegiatan Usaha Lain Rp Miliar /Billions of Rp 16 65 116 97 108 112 123 116 20 23 27 37 34 38 40 48 Income from Other Business Activities 96
97
97 Pendapatan Fee/Imbal Jasa dari Kegiatan Penerusan Pembiayaan (Channeling) Rp Miliar /Billions of Rp - 0 3 2 2 2 3 3 - 1 1 1 1 1 1 1 Income / Service Fee from Channeling Activities
98 Pendapatan Operasional Lain Terkait Pembiayaan Rp Miliar /Billions of Rp 91 307 10 55 50 86 109 10 32 14 14 13 1 (4) 18 24 Other Operating Income Related to Financing 98
99 Pendapatan Operasional Lainnya Rp Miliar /Billions of Rp 375 621 790 354 412 465 518 790 62 116 175 238 299 355 422 495 Other Operational Revenues 99
100 Pendapatan Non Operasional Rp Miliar /Billions of Rp 205 202 259 92 114 136 151 259 33 42 57 74 94 118 140 168 Non Operational Revenues 100
101 101
102 BEBAN Rp Miliar /Billions of Rp 2,833 3,151 3,695 2,315 2,628 2,964 3,325 3,695 482 665 1,025 1,391 1,774 2,143 2,526 2,893 EXPENSES 102
103 Beban Operasional Rp Miliar /Billions of Rp 2,784 3,127 3,628 2,286 2,588 2,911 3,264 3,628 448 645 992 1,347 1,727 2,090 2,469 2,835 Operational Expenses 103
104 Beban Bunga dan/atau Imbal Hasil Rp Miliar /Billions of Rp 789 857 991 648 734 819 904 991 88 165 251 337 435 528 618 706 Interest Expenses 104
105 Beban Premi Atas Transaksi SWAP Rp Miliar /Billions of Rp - - - - - - - - - - - - - - - - Premium on SWAP Transaction Expenses 105
106 Beban Premi Asuransi Rp Miliar /Billions of Rp 10 34 21 23 26 29 32 21 3 3 8 11 14 14 20 23 Insurance Premium Expenses 106
107 Beban Tenaga Kerja Rp Miliar /Billions of Rp 1,182 1,267 1,469 946 1,068 1,191 1,317 1,469 147 258 391 530 667 793 953 1,093 Employees Expenses 107
108 Beban Pemasaran Rp Miliar /Billions of Rp 2 2 2 1 1 2 2 2 0 0 0 0 1 1 1 1 Marketing Expenses 108
109 Beban Penyisihan/Penyusutan Rp Miliar /Billions of Rp 413 486 553 327 362 399 494 553 147 101 166 227 304 367 431 498 Allowance/Depreciation Expenses 109
110 Beban Sewa Rp Miliar /Billions of Rp 43 35 32 21 24 26 29 32 3 7 9 12 15 19 24 28 Rent Expenses 110
111 Beban Pemeliharaan dan Perbaikan Rp Miliar /Billions of Rp 11 13 12 8 9 9 11 12 1 2 4 4 5 7 8 9 Maintenance Expenses 111
112 Beban Administrasi dan Umum Rp Miliar /Billions of Rp 291 339 426 267 305 342 370 426 44 85 123 186 235 274 338 391 General and Administration Expenses 112
113 Beban Operasional Lainnya Rp Miliar /Billions of Rp 44 95 121 44 57 95 105 121 16 24 40 40 51 88 77 87 Others Expenses 113
114 Beban Non Operasional Rp Miliar /Billions of Rp 49 24 67 29 41 52 61 67 33 21 33 44 48 54 56 58 Non Operational Expenses 114
115 LABA (RUGI) SEBELUM PAJAK Rp Miliar /Billions of Rp 442 507 1,115 515 608 717 784 1,115 22 155 199 209 193 230 295 374 PROFIT (LOSS) BEFORE TAX 115
116 TAKSIRAN PAJAK PENGHASILAN Rp Miliar /Billions of Rp - - - - - - - - - - - - - - INCOME TAX ESTIMATION 116
117 Pajak Tahun Berjalan Rp Miliar /Billions of Rp 53 17 145 98 116 150 145 145 17 38 42 45 45 50 57 60 Current Tax 117
Statistik Sistem Keuangan Indonesia 33 Bank Indonesia10
TABEL 9. INDIKATOR PERUSAHAAN MODAL VENTURA
TABLE 9. INDICATORS OF VENTURE CAPITAL COMPANY
2022 2023
KOMPONEN SATUAN/ UNIT 2020 2021 2022 COMPONENT
118 Pendapatan (Beban) Pajak Tangguhan Rp Miliar /Billions of Rp 33 17 (4) (7) (7) (5) (3) (4) 19 9 12 11 6 (4) (4) (16) Deffered Tax Revenues (Expenses) 118
119 LABA (RUGI) SETELAH PAJAK Rp Miliar /Billions of Rp 421 507 966 410 485 562 636 966 24 127 169 176 155 176 233 298 PROFIT (LOSS) AFTER TAX 119
120 Laba rugi setelah pajak (TTM) Rp Miliar /Billions of Rp 421 507 966 620 716 898 973 966 1,009 1,078 976 965 953 923 888 854 PROFIT (LOSS) AFTER TAX (TTM) 120
121 KEUNTUNGAN (KERUGIAN) KOMPEREHENSIF LAINNYA PERIODE BERJALAN Rp Miliar /Billions of Rp 2.67 18.38 5.13 0.63 0.75 0.90 5.16 5.13 1.24 1.35 2.25 2.36 2.31 3.63 3.51 5.04 OTHER CURRENT COMPREHENSIVE PROFIT (LOSS) 121
122 LABA (RUGI) BERSIH KOMPREHENSIF TAHUN BERJALAN Rp Miliar /Billions of Rp 424 526 971 411 486 563 641 971 25 128 171 178 157 180 237 303 CURRENT COMPREHENSIVE NETT PROFIT 122
Keterangan: Note:
- Indikator Perusahaan Modal Ventura diatas merupakan format baru yang menyesuaikan perubahan pos-pos pada publikasi
- Indicators of Venture Capital Company is a new format that adapts to changes to posts in FSA publications since October 2020.
OJK per Oktober 2020.
- Data tersedia sejak November 2019 - Data available since November 2019.
- Data termasuk syariah - Data including Sharia
Statistik Sistem Keuangan Indonesia 34 Bank Indonesia10

TABEL 10. INDIKATOR LEMBAGA PENJAMINAN/
TABLE 10. INDICATORS OF GUARANTEE INSTITUTION
2022 2023
1 Jumlah Lembaga Penjaminan Unit 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 20 Number of Guarantee Institutions 1
2 Aset Lembaga Penjaminan terhadap Aset Sektor Keuangan % 0.17 0.23 0.84 0.25 0.24 0.25 0.26 0.26 0.27 0.24 0.24 r 0.25 r 0.26 r 0.26 r 0.27 r 0.27 r 0.27 * … Assets of Guarantee Institutions to Assets of Financial Sector 2
Porsi Outstanding Penjaminan Usaha Produktif terhadap Oustanding Ratio Outstanding Credit Guarantee of Productive Business to Oustanding Credit
3 % 56.22 55.84 60.39 65.80 73.60 72.34 66.60 72.68 73.21 73.60 74.20 74.07 75.76 76.36 77.23 77.55 77.81 77.11 3
Penjaminan Guarantee
4 4
5 KINERJA KEUANGAN FINANCIAL PERFORMANCE 5
6 ASET Rp Miliar/ Billions of Rp 18,085 19,682 22,114 32,454 34,029 34,557 35,625 36,860 38,279 34,029 34,224 r 35,444 r 36,844 r 37,079 r 37,962 r 38,476 r 39,289 r 39,246 ASSETS 6
7 a.l Kas & Giro Bank Rp Miliar/ Billions of Rp 351 273 458 471 627 547 507 602 992 627 536 540 539 468 468 615 610 549 o-w Cash & banks 7
8 Investasi Rp Miliar/ Billions of Rp 11,744 12,377 13,409 18,500 20,036 19,216 19,514 19,809 20,199 20,036 20,446 21,267 22,226 22,268 22,632 22,820 23,187 22,724 Investment 8
9 Piutang IJP Rp Miliar/ Billions of Rp 2,705 2,928 2,517 4,000 3,639 5,369 6,032 6,102 6,531 3,639 3,648 3,732 4,077 4,124 4,120 4,405 4,660 4,798 RGS receivables 9
10 Pendapatan yang masih harus diterima Rp Miliar/ Billions of Rp 12 14 10 26 53 42 47 61 41 53 51 53 55 60 48 54 54 63 Accrued income 10
11 Beban dibayar di muka Rp Miliar/ Billions of Rp 1,447 1,923 2,097 5,065 5,526 5,682 5,759 5,968 6,059 5,526 5,377 5,610 5,742 5,904 6,264 5,932 6,067 6,179 Prepaid expenses 11
12 Piutang dalam rangka restrukturisasi penjaminan Rp Miliar/ Billions of Rp 0 0 0 - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Restructuring guarantee receivables 12
13 Piutang co-guarantee/reasuransi/penjaminan ulang Rp Miliar/ Billions of Rp 369 446 458 473 771 522 570 621 674 771 360 371 389 391 191 203 220 243 Co-guarantee / reinsurance / re-guarantee receivables 13
14 Aset tetap - netto Rp Miliar/ Billions of Rp 501 543 589 310 481 335 327 321 326 481 482 484 480 480 479 476 480 487 Fixed assets - net 14
15 Aset tidak berwujud - netto Rp Miliar/ Billions of Rp 4 5 43 41 34 27 26 25 23 34 33 32 30 29 33 32 32 31 Intangible assets - net 15
16 Aset pajak tangguhan Rp Miliar/ Billions of Rp 210 238 816 1,156 1,478 1,479 1,481 1,481 1,481 1,478 1,479 1,476 1,480 1,481 1,809 1,809 1,808.473 1,808.350 Deffered tax assets 16
17 Aset lainnya Rp Miliar/ Billions of Rp 741 935 1,718 2,413 1,384 1,338 1,362 1,870 1,953 1,384 1,384 1,443 1,441 1,495 1,521 1,631 1,608.144 1,732.268 Other assets 17
19 a.l Utang klaim Rp Miliar/ Billions of Rp 88 15 10 104 58 90 107 138 154 58 79 76 134 112 126 101 124 87 o.w Claim liabilities 19
20 IJP yang ditangguhkan Rp Miliar/ Billions of Rp 3,977 4,830 7,461 10,530 10,238 9,777 10,249 11,336 11,864 10,238 10,001 10,323 10,824 11,587 11,732 11,768 12,182 12,537 Deffered RGS 20
21 Utang pajak Rp Miliar/ Billions of Rp 12 29 178 233 271 235 236 240 221 271 283 341 376 67 185 178 201 226 Tax expenses 21
22 Utang premi reasuransi Rp Miliar/ Billions of Rp 137 210 384 501 248 532 659 829 941 248 303 594 788 922 975 1,178 1,237 1,364 Reinsurance premium liabilities 22
23 Utang komisi Rp Miliar/ Billions of Rp 3 5 6 5 9 6 6 6 7 9 71 106 124 132 154 168 183 196 Comission liabilities 23
24 Utang IJP Ulang (IJPU) Rp Miliar/ Billions of Rp 51 58 40 61 76 45 56 73 81 76 25 26 29 31 32 36 38 44 RGS co-guarantee (RGSC) liabilities 24
25 Cadangan klaim Rp Miliar/ Billions of Rp 473 444 917 5,267 7,356 6,631 6,731 6,930 7,310 7,356 7,445 7,540 7,609 7,783 8,154 8,184 8,151 8,200 Claim reserves 25
26 Beban yang masih harus dibayar Rp Miliar/ Billions of Rp 9 7 11 14 23 29 34 30 34 23 395 373 442 422 305 326 356 380 Accrued expenses 26
27 Liabilitas pajak tangguhan Rp Miliar/ Billions of Rp 0 0 0 - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Deffered tax liabilities 27
28 Utang imbalan pasca kerja Rp Miliar/ Billions of Rp 4 4 80 106 105 100 101 102 103 105 110 111 113 116 108 109 110 108 Post-employment benefit liabilities 28
29 Obligasi wajib konversi Rp Miliar/ Billions of Rp 0 0 0 - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Mandatory convertible bonds 29
30 Liabilitas lainnya Rp Miliar/ Billions of Rp 403 430 529 992 1,002 2,179 2,478 2,184 2,337 1,002 198 506 190 177 297 270 325 323 Other liabilities 30
31 31
32 EKUITAS Rp Miliar/ Billions of Rp 12,927 13,651 12,499 14,641 14,643 14,934 14,969 14,992 15,227 14,643 14,824 14,944 15,078 15,074 15,361 15,606 15,718 14,837 EQUITY 32
33 Modal1) Rp Miliar/ Billions of Rp 9,296 9,330 9,560 12,621 12,720 12,655 12,648 12,648 12,648 12,720 12,701 12,727 12,727 12,727 12,727 12,794 12,783.98 12,784.01 Capital1) 33
34 a.l Modal disetor Rp Miliar/ Billions of Rp 9,297 9,330 9,560 12,621 12,720 12,655 12,648 12,648 12,648 12,720 12,701 12,727 12,727 12,727 12,727 12,794 12,783.98 12,784.01 o.w Paid-up capital 34
35 Agio Rp Miliar/ Billions of Rp -0.34 0.42 0.00 - 0.00 -0.44 -0.44 -0.44 -0.44 0.00 - - - - - - - - Agio 35
36 Disagio Rp Miliar/ Billions of Rp 0.00 0.00 -0.23 (0) 0.00 0.00 0.00 0.00 0.00 0.00 - - - - - - - - Disagio 36
37 Cadangan Rp Miliar/ Billions of Rp 3,220 3,568 2,218 922 1,115 1,014 1,014 1,016 1,016 1,115 1,115 1,116 1,128 1,130 1,134 1,134 1,141 1,275 Reserves 37
38 Cadangan umum Rp Miliar/ Billions of Rp 2,824 3,167 1,827 529 720 619 619 621 621 720 720 721 730 733 736 736 740 875 General reserves 38
39 Cadangan tujuan Rp Miliar/ Billions of Rp 316 318 305 307 309 310 310 310 310 309 310 310 311 311 311 311 315 315 Specific reserves 39
40 Cadangan lainnya Rp Miliar/ Billions of Rp 81 83 85 86 86 86 86 86 86 86 86 86 87 86 86 86 85.7311 85.7927 Other reserves 40
41 Hibah Rp Miliar/ Billions of Rp 0.10 0.10 0.10 0 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 Grant 41
42 Saldo laba / (rugi) Rp Miliar/ Billions of Rp -7 -15 28 399 -12 891 890 888 888 -12 1,104 1,092 1,067 1,049 1,156 1,156 1,130 26 Retained profit / (loss) 42
43 Laba / (rugi) tahun berjalan Rp Miliar/ Billions of Rp 397 603 417 607 1,139 709 815 890 993 1,139 180 316 435 409 542 682 830 953 Profit / (loss) current period 43
44 Pendapatan komprehensif lainnya Rp Miliar/ Billions of Rp 20 164 276 90 -319 -334 -399 -451 -318 -319 -276 -307 -278 -241 -197 -159 -167 -202 Other comprehensive income 44
45 45
46 PENDAPATAN Rp Miliar/ Billions of Rp 2,639 3,570 4,093 6,156 7,780 4,900 5,561 6,233 6,976 7,780 595 1,140 1,688 2,264 2,883 3,489 4,091 4,679 INCOME 46
47 Pendapatan Operasional Rp Miliar/ Billions of Rp 2,185 3,056 4,082 6,143 7,761 4,885 5,530 6,195 6,935 7,761 592 1,134 1,683 2,257 2,870 3,475 4,077 4,663 Operational Income 47
48 Pendapatan IJP Bersih Rp Miliar/ Billions of Rp 1,411 2,205 2,892 4,734 5,990 3,700 4,234 4,764 5,334 5,990 577 1,115 1,675 2,247 2,855 3,458 4,056 4,638 Net RGS revenue 48
49 Pendapatan Operasional Lainnya Rp Miliar/ Billions of Rp 774 851 1,191 1,409 1,771 1,185 1,296 1,430 1,601 1,771 14 18 7 10 15 17 20 25 Other Operasional Income 49
50 Pendapatan Non Operasional Rp Miliar/ Billions of Rp 453 514 11 13 19 15 30 38 41 19 3 7 5 7 14 15 14 16 Non Operational Income 50
51 51
52 BEBAN Rp Miliar/ Billions of Rp 2,126 2,819 3,496 5,225 6,275 3,948 4,474 5,045 5,681 6,275 394 751 1,074 1,537 2,253 2,813 3,303 3,829 EXPENSE 52
53 Beban Operasional Rp Miliar/ Billions of Rp 2,125 2,816 2,989 4,553 6,023 3,623 4,127 4,693 5,431 6,023 393 750 1,073 1,536 2,252 2,811 3,301 3,827 Operating Expenses 53
54 Beban Klaim Rp Miliar/ Billions of Rp 1,229 1,804 2,201 3,539 4,708 2,857 3,232 3,677 4,308 4,708 362 693 1,002 1,436 2,119 2,652 3,115 3,603 Claim Expenses 54
55 Beban Operasional lainnya Rp Miliar/ Billions of Rp 896 1,011 788 1,015 1,315 766 894 1,017 1,123 1,315 31 57 71 100 132 159 186 224 Other Operating Expenses 55
56 Beban Non Operasional Rp Miliar/ Billions of Rp 0.71 3.10 506.63 671 252 324.98 347.11 351.33 249.75 252.00 0.77 1.06 0.82 1.06 1.49 1.78 1.67 1.85 Non Operating Expenses 56
57 57
58 Laba/ (rugi) Operasional Rp Miliar/ Billions of Rp 60 240 1093 1,589 1,738 1,262 1,403 1,501 1,504 1,738 221 428 593 632 768 928 1,137 1,296 Operating profit / (loss) 58
59 Laba/ (rugi) sebelum pajak penghasilan Rp Miliar/ Billions of Rp 513 751 597 931 1,506 r 952 1,087 1,188 1,295 1,506 r 223 433 598 637 780 941 1,150 1,310 Proft/ (loss) before tax 59
60 Pajak Penghasilan Rp Miliar/ Billions of Rp 117 148 180 324 r 367 r 244 r 272 r 298 r 303 r 367 r 43 117 164 229 239 259 319 357 Income tax 60
61 Laba (Rugi) Bersih Rp Miliar/ Billions of Rp 397 603 417 607 1,139 r 709 815 890 993 1,139 r 180 316 435 409 542 682 830 953 Income (Loss) Net 61
62 Pendapatan komprehensif lainnya Rp Miliar/ Billions of Rp -203 84 152 (74) -126 -142 -205 -257 -124 -126 42 11 40 77 133 173 164 130 Other comprehensive income 62
63 Laba/ (rugi) komprehensif Rp Miliar/ Billions of Rp 193 687 569 534 1,012 567 610 633 868 1,012 221 328 475 485 675 855 995 1,084 Comprehensive profit / (loss) 63
64 64
65 KINERJA OPERASIONAL OPERATIONAL PERFORMANCE 65
66 Outstanding Penjaminan - Usaha Produktif Rp Miliar/ Billions of Rp 115,139 132,890 153,800 144,615 203,148 176,842 201,898 191,909 199,268 203,148 207,479 212,468 225,266 230,044 234,351 240,044 246,246 250,679 Outstanding Credit Guarantee - Productive Business 66
67 Outstanding Penjaminan - Usaha Non Produktif Rp Miliar/ Billions of Rp 89,672 105,109 100,874 75,157 72,875 67,633 101,239 72,150 72,927 72,875 72,126 74,381 72,080 71,233 69,109 69,504 70,239 74,428 Outstanding Credit Guarantee - Non Productive Business 67
68 Total Outstanding Penjaminan Rp Miliar/ Billions of Rp 204,811 238,000 254,674 219,772 276,023 244,475 303,136 264,059 272,195 276,023 279,605 286,848 297,346 301,277 303,460 309,548 316,485 325,107 Total Outstanding Credit Guarantee 68
Keterangan: Note:
- Sejak periode Januari 2023, komponen modal merupakan jumlah dari subkomponen modal * since January 2023, the capital is the sum of paid-in capital, agio, disagio, and capital deposit
disetor, agio, disagio, dan setoran modal diterima dimuka received in advance
- Data pendapatan dan biaya serta laba rugi merupakan data akumulasi pada tahun yang
- Income & Expense statement and Profit/ Loss statement accumulated in the current year
bersangkutan.
- Sejak November 2017, komponen indikator tabel lembaga penjaminan dijabarkan lebih - Since November 2017, the indicators of guarantee institutions tables are in detailed in order to be in
detail sehingga sejalan dengan publikasi OJK. line with OJK publications
- Perubahan akun pada publikasi statistik penjaminan disebabkan adanya perubahan template
- The change in account of Indicators of Guarantee Institution is due to the change in the monthly
pelaporan bulanan perusahaan penjaminan berdasarkan SEOJK 1 Tahun 2023 tentang Laporan
reporting template of guarantee companies based on SEOJK 1 2023 about Reports of Guarantee
Perusahaan Penjaminan, Perusahaan Penjaminan Syariah, dan Unit Usaha Syariah (SEOJK
Companies, Sharia Guarantee Companies, and Sharia Business Units.
terlampir).
10
TABEL 11. INDIKATOR PERUSAHAAN PEMBIAYAAN INFRASTRUKTUR/
TABLE 11. INDICATORS OF INFRASTRUCTURE FINANCE COMPANY
KOMPONEN SATUAN/ UNIT 2017 2018 2019 2020 2021

Mar Apr May
1 Jumlah Perusahaan Pembiayaan Infrastruktur Unit 2 2 2 2 2 2 2 2
2 Aset Perusahaan Pembiayaan Infrastruktur terhadap Aset Sektor Keuangan % 0.70 0.69 1.01 0.97 0.98 0.96 1.04 1.07
3 Komposisi Aset
4 Penempatan pada Bank % 28.36 10.81 13.90 15.51 13.07 16.34 15.00 18.25
5 Surat Berharga yang Dimiliki % 8.55 10.68 7.58 6.15 8.13 6.07 5.76 5.20
6 Pendapatan yang Masih Akan Diterima % 0.57 0.81 0.70 1.08 1.27 1.15 1.12 1.20
7 Pinjaman yang Diberikan % 57.97 71.58 73.50 59.41 50.42 57.83 52.98 51.02
8 Pinjaman Langsung % 49.93 60.78 60.89 48.13 40.43 46.54 42.57 40.95
9 Refinancing % 3.46 4.52 5.92 4.80 3.08 4.76 4.40 4.24
10 Pinjaman Subordinasi % 4.58 6.28 6.69 6.48 6.90 6.52 6.01 5.83
11 Penyertaan Modal % 3.95 5.28 4.68 3.59 3.10 3.18 2.93 2.82
12 Lain-lain % 0.60 0.84 -0.36 14.26 24.01 15.44 22.21 21.51
13
14 ASET Rp Miliar/ Billions of Rp 68,301 73,056 88,194 115,740 129,135 116,768 125,894 130,270
15 Kas Rp Miliar/ Billions of Rp 0.13 0.14 0.12 0.13 0.12 0.13 0.13 0.13
16 Penempatan pada Bank Rp Miliar/ Billions of Rp 19,369 7,896 12,262 17,956 16,876 19,080 18,879 23,773
17 Surat Berharga yang Dimiliki Rp Miliar/ Billions of Rp 5,841 7,804 6,682 7,117 10,500 7,087 7,254 6,777
18 Pendapatan yang Masih Akan Diterima Rp Miliar/ Billions of Rp 391 591 619 1,252 1,637 1,340 1,406 1,562
19 Pinjaman yang Diberikan Rp Miliar/ Billions of Rp 39,595 52,292 64,825 76,019 86,510 76,084 76,024 75,952
20 Pinjaman Langsung Rp Miliar/ Billions of Rp 34,100 44,402 53,704 55,706 52,214 54,342 53,596 53,352
21 Refinancing Rp Miliar/ Billions of Rp 2,366 3,305 5,222 5,553 3,978 5,564 5,537 5,517
22 Pinjaman Subordinasi Rp Miliar/ Billions of Rp 3,129 4,585 5,899 7,500 8,916 7,618 7,565 7,591
23 Lain-lain Rp Miliar/ Billions of Rp 0 0 0 7,260 21,402 8,560 9,326 9,493
24 Penyertaan Modal Rp Miliar/ Billions of Rp 2,695 3,861 4,124 4,150 4,007 3,708 3,690 3,678
25 Cadangan Kerugian Penurunan Nilai Aset Keuangan Rp Miliar/ Billions of Rp -734 -973 -1,420 -2,127 -1,863 -2,068 -2,044 -2,021
26 Pinjaman yang Diberikan Rp Miliar/ Billions of Rp -734 -973 -1,377 -2,032 -1,781 -1,983 -1,959 -1,935
27 Aset Tidak Berwujud (Net) Rp Miliar/ Billions of Rp 48 51 48 47 42 41 43 43
28 Aset Tetap (Net) Rp Miliar/ Billions of Rp 728 734 689 653 621 646 652 648
29 Aset Pajak Tangguhan Rp Miliar/ Billions of Rp 77 137 146 157 111 128 139 139
30 Aset lain-lain Rp Miliar/ Billions of Rp 291 663 218 10,514 10,695 10,721 19,851 19,720
31
32 LIABILITAS Rp Miliar/ Billions of Rp 31,812 35,347 49,125 75,689 87,974 76,666 85,672 89,888
33 Beban yang Masih Harus Dibayar Rp Miliar/ Billions of Rp 299 365 491 551 591 578 687 695
34 Utang Pajak Rp Miliar/ Billions of Rp 37 82 200 267 130 303 11 9
35 Pendapatan Diterima Dimuka Rp Miliar/ Billions of Rp 18 101 93 11 56 21 25 25
36 Liabilitas Lancar Lainnya Rp Miliar/ Billions of Rp 3 9 5 6 5 8 14 11
37 Surat Berharga yang Diterbitkan Rp Miliar/ Billions of Rp 15,740 15,930 24,257 23,202 25,274 25,343 25,329 29,589
38 Pinjaman yang Diterima Rp Miliar/ Billions of Rp 15,461 18,508 23,608 51,184 61,447 49,567 59,195 58,982
39 Pemerintah Republik Indonesia Rp Miliar/ Billions of Rp 2,609 3,358 4,050 23,970 32,647 24,028 33,975 33,948
40 Bank/Lembaga Keuangan
41 Dalam Negeri Rp Miliar/ Billions of Rp 6,835 13,705 17,002 18,809 17,597 16,843 16,583 16,486
42 Luar Negeri Rp Miliar/ Billions of Rp 6,018 1,445 2,556 8,405 11,203 8,696 8,638 8,548
43 Imbalan Pasca Kerja Rp Miliar/ Billions of Rp 89 96 153 160 183 161 161 161
44 Liabilitas Lain-lain Rp Miliar/ Billions of Rp 164 257 318 307 289 686 250 416
45
46 EKUITAS Rp Miliar/ Billions of Rp 36,490 37,709 39,069 40,051 41,161 40,102 40,222 40,382
47 Modal Rp Miliar/ Billions of Rp 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546
48 Modal Disetor Rp Miliar/ Billions of Rp 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517
49 Agio Rp Miliar/ Billions of Rp 30 30 29.8 29.8 30 29.8 29.8 29.8
50 Modal Saham Dipesan Rp Miliar/ Billions of Rp 0 - 0 0 0 0 0 0
51 Cadangan Rp Miliar/ Billions of Rp 849 1,209 1,470 1,981 2,557 1,981 1,981 1,985
52 Cadangan Umum Rp Miliar/ Billions of Rp 823 1,183 1,443 1,954 2,526 1,954 1,954 1,954
53 Cadangan Tujuan Rp Miliar/ Billions of Rp 26 26 26 26 31 26 26 31
54 Saldo Laba (Rugi) Rp Miliar/ Billions of Rp 1,426 1,988 2,699 3,234 4,118 5,183 5,183 5,178
55 Laba (Rugi) Periode Berjalan Rp Miliar/ Billions of Rp 1,193 1,491 1,783 1,974 1,915 467 614 774
56 Pendapatan Komprehensif Lainnya Rp Miliar/ Billions of Rp 475 474 572 315 23 -75 -102 -102
57 Keuntungan Rp Miliar/ Billions of Rp 475 504 597 335 82 5 -19 -16
58 Kerugian Rp Miliar/ Billions of Rp 0 -30 -25 -20 -58 -80 -83 -86

36 Bank Indonesia
59 TOTAL LIABILITAS DAN EKUITAS Rp Miliar/ Billions of Rp 68,301 73,056 88,194 115,740 129,135 116,768 125,894 130,270
60
61 PENDAPATAN OPERASIONAL Rp Miliar/ Billions of Rp 3,780 4,646 6,114 6,563 6,116 1,535 2,017 2,533
62 Pendapatan bunga, provisi, dan fee pinjaman yang diberikan
63 Pinjaman Langsung Rp Miliar/ Billions of Rp 2,531 2,917 3,781 4,291 3,635 990 1,283 1,582
64 Refinancing Rp Miliar/ Billions of Rp 228 139 401 417 384 92 122 153
65 Pinjaman Subordinasi Rp Miliar/ Billions of Rp 160 334 783 563 679 141 191 242
66 Lainnya Rp Miliar/ Billions of Rp 13 14 15 39 153 14 18 21
67 Pendapatan fee penjaminan Rp Miliar/ Billions of Rp 0 7 7 2 3 1 1 2
68 Pendapatan jasa konsultasi Rp Miliar/ Billions of Rp 24 28 23 26 27 4 5 6
69 Pendapatan dividen Rp Miliar/ Billions of Rp 0 - 0 4 - 0 0 0
70 Pendapatan bunga investasi Rp Miliar/ Billions of Rp 726 1,049 969 1,169 1,192 282 386 506
71 Peningkatan nilai wajar aset keuangan Rp Miliar/ Billions of Rp 0 67 42 0 - 0 0 0
72 Penurunan nilai wajar kewajiban keuangan Rp Miliar/ Billions of Rp 0 - 0 0 - 0 0 0
73 Keuntungan penjualan aset keuangan Rp Miliar/ Billions of Rp 89 0 5 8 2 2 2 2
74 Keuntungan dari penyertaan modal dengan metode ekuitas Rp Miliar/ Billions of Rp -22 -12 5 13 - 3 4 6
75 Pendapatan operasional lainnya Rp Miliar/ Billions of Rp 31 103 82 32 42 6 6 12
76
77 BEBAN OPERASIONAL Rp Miliar/ Billions of Rp 2,331 2,897 3,908 4,059 3,841 965 1,291 1,619
78 Bunga pinjaman, provisi dan fee Rp Miliar/ Billions of Rp
79 Bunga pinjaman Rp Miliar/ Billions of Rp 1,270 1,955 2,673 3,107 3,314 899 1,176 1,472
80 Beban provisi dan fee Rp Miliar/ Billions of Rp 22 13 17 13 28 15 15 16
81 Beban klaim penjaminan Rp Miliar/ Billions of Rp - - 0 0 - 0 0 0
82 Penurunan nilai wajar aset keuangan Rp Miliar/ Billions of Rp 4 83 35 0 5 0 0 0
83 Kerugian dari penyertaan modal dengan metode ekuitas Rp Miliar/ Billions of Rp 115 0 0 0 46 0 0 0
84 Beban penurunan nilai aset keuangan
85 Penempatan pada bank Rp Miliar/ Billions of Rp 0 0 0 11 -18 -18 -17 -17
86 Surat berharga yang dimiliki Rp Miliar/ Billions of Rp 0 0 0 5 -2 -10 -10 -10
87 Pinjaman yang diberikan Rp Miliar/ Billions of Rp 399 211 438 248 -262 -71 -91 -109
88 Lainnya Rp Miliar/ Billions of Rp - 0 0 7 5 7 7 8
89 Beban gaji dan tunjangan Rp Miliar/ Billions of Rp 300 328 419 409 452 92 144 179
90 Beban Pengembangan Usaha Rp Miliar/ Billions of Rp 70 95 88 66 72 11 13 15
91 Beban Depresiasi dan Amortisasi Rp Miliar/ Billions of Rp 35 51 64 60 64 16 22 27
92 Beban umum dan administrasi Rp Miliar/ Billions of Rp 105 100 111 129 125 23 31 37
93 Beban operasional lainnya Rp Miliar/ Billions of Rp 10 59 62 4 14 1 1 2
94
95 LABA (RUGI) OPERASIONAL Rp Miliar/ Billions of Rp 1,450 1,749 2,206 2,504 2,275 570 727 914
96 LABA (RUGI) SEBELUM PAJAK PENGHASILAN Rp Miliar/ Billions of Rp 1,459 1,756 2,261 2,502 2,242 555 723 909
97 LABA (RUGI) SETELAH PAJAK PENGHASILAN Rp Miliar/ Billions of Rp 1,193 1,491 1,783 1,974 1,915 467 614 774
Keterangan:
- Data pendapatan dan biaya serta laba rugi merupakan data akumulasi pada tahun yang bersangkutan
Sumber: OJK (diolah)

37 Bank Indonesia
2021 2022
COMPONENT
Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
2 2 2 2 2 2 2 2 2 2 Number of Infrastructure Finance Company 1
1.09 1.07 1.06 1.05 1.02 1.01 0.98 0.99 0.99 0.97 Assets of Infrastructure Finance Company to Assets of Financial Sector 2
Composition of Assets 3
21.27 19.12 18.77 19.76 15.94 14.50 13.07 13.40 13.74 14.13 Banks 4
5.04 5.38 5.48 6.35 7.21 7.92 8.13 8.03 8.40 8.56 Securities 5
1.07 1.18 1.34 1.19 1.38 1.52 1.27 1.45 1.58 1.43 Accrued Income 6
48.59 49.89 49.97 48.60 49.15 49.43 50.42 49.81 48.90 47.96 Loans 7
39.81 40.94 41.05 39.77 40.08 40.46 40.43 40.01 39.13 39.28 Direct Financing 8
3.10 3.15 3.13 2.38 2.48 2.31 3.08 2.88 2.87 1.76 Refinancing 9
5.69 5.80 5.79 6.45 6.59 6.67 6.90 6.92 6.90 6.92 Subordinate Loan 10
3.13 3.18 3.18 3.13 3.22 3.22 3.10 3.09 3.04 3.08 Equity Capital 11
20.90 21.24 21.26 20.97 23.10 23.41 24.01 24.22 24.34 24.84 Others 12
13
134,046 131,310 131,382 133,267 130,180 129,412 129,135 129,104 129,467 128,588 ASSETS 14
0.14 0.13 0.13 0.13 0.13 0.13 0.12 0.12 0.13 0.13 Cash 15
28,507 25,110 24,660 26,333 20,755 18,762 16,876 17,302 17,785 18,163 Banks 16
6,761 7,065 7,203 8,460 9,387 10,248 10,500 10,363 10,874 11,013 Securities 17
1,434 1,554 1,760 1,590 1,794 1,966 1,637 1,866 2,045 1,841 Accrued Income 18
75,049 75,529 75,756 75,483 77,803 80,753 86,510 86,104 85,489 85,394 Loans 19
53,358 53,756 53,931 52,999 52,177 52,357 52,214 51,660 50,661 50,506 Direct Financing 20
4,150 4,132 4,113 3,175 3,223 2,990 3,978 3,720 3,715 2,264 Refinancing 21
7,622 7,621 7,602 8,598 8,580 8,627 8,916 8,930 8,929 8,901 Subordinate Loan 22
9,918 10,019 10,109 10,710 13,823 16,778 21,402 21,793 22,184 23,724 Others 23
4,194 4,181 4,174 4,171 4,190 4,163 4,007 3,989 3,940 3,957 Share 24
-2,024 -2,043 -2,012 -1,978 -1,967 -1,944 -1,863 -1,866 -1,857 -1,805 Allowance for Impairment Losses of Financial Asset 25
-1,941 -1,958 -1,924 -1,893 -1,881 -1,856 -1,781 -1,782 -1,770 -1,721 Loans 26
42 42 41 41 40 40 42 41 41 41 Intangible Assets (Net) 27
644 639 636 631 628 625 621 618 614 612 Fixed Assets (Net) 28
141 150 155 143 103 105 111 119 108 101 Deferred Tax Assets 29
19,297 19,082 19,009 18,394 17,446 14,694 10,695 10,569 10,427 9,270 Other Assets 30
31
94,126 91,258 91,171 92,781 89,371 88,480 87,974 87,761 87,978 86,880 LIABILITIES 32
1,229 644 611 490 569 569 591 688 621 515 Accrued Expenses 33
19 8 4 13 31 56 130 150 135 138 Tax Payable 34
35 55 62 102 59 70 56 55 55 70 Prepaid Income 35
13 41 12 4 8 10 5 8 12 6 Other Current Liability 36
29,679 27,457 27,403 27,379 26,762 25,503 25,274 25,325 25,318 24,551 Issued Securities 37
62,472 62,479 62,256 63,628 61,392 61,685 61,447 61,070 61,227 60,642 Borrowings 38
33,977 33,974 33,930 33,917 33,868 33,885 32,647 32,647 32,560 32,517 Indonesia Government 39
Bank/Financial Institution 40
17,037 17,045 16,955 18,389 16,284 16,443 17,597 17,128 17,376 16,847 Domestic 41
11,459 11,459 11,371 11,322 11,241 11,357 11,203 11,295 11,291 11,278 Foreign 42
161 165 165 165 164 164 183 183 183 194 Employment Benefits Liabilities 43
519 410 656 999 385 422 289 283 428 764 Other Liabilities 44
45
39,919 40,051 40,211 40,487 40,810 40,932 41,161 41,343 41,489 41,707 EQUITY 46
32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 Capital 47
32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 Subscribed Capital Stock 48
29.8 29.8 29.8 29.8 29.8 29.8 29.8 29.8 29.8 29.8 Agio 49
0 0 0 0 0 0 0 0 0 0 Booked Capital Share 50
2,557 2,557 2,557 2,557 2,557 2,557 2,557 2,557 2,557 2,557 Reserves 51
2,526 2,526 2,526 2,526 2,526 2,526 2,526 2,526 2,526 2,526 General Reserves 52
31 31 31 31 31 31 31 31 31 31 Spesific Reserves 53
4,074 4,082 4,082 4,082 4,082 4,082 4,118 6,034 6,001 6,001 Retained Earnings (Loss) 54
879 1,020 - 1,438 1,598 1,712 1,915 185 361 592 Retained Earnings (Loss) Current Period 55
-137 -154 -159 -137 26 35 23 21 24 10 Other Comprehensive Income 56
-55 -66 -78 -63 86 95 82 50 40 11 Income 57
-82 -88 -82 -75 -61 -61 -58 -29 -16 -1 Loss 58

38 Bank Indonesia
134,046 131,310 131,382 133,267 130,180 129,412 129,135 129,104 129,467 128,588 TOTAL LIABILITIES AND EQUITY 59
60
3,033 3,527 4,034 4,626 5,120 5,531 6,116 547 1,051 1,614 OPERATIONAL INCOME 61
Interest income, fees, and fee loans 62
1,892 2,192 2,527 2,772 3,066 3,346 3,635 304 569 875 Direct Loans 63
188 212 237 266 285 309 384 25 47 71 Refinancing 64
292 342 393 506 564 620 679 61 108 162 Subordinated Loans 65
41 51 56 64 88 115 153 55 109 174 Others 66
2 2 3 3 3 3 3 0 0 0 Underwriting Fee Income 67
10 12 16 17 19 20 27 2 2 2 Consulting Services Revenue 68
0 0 0 0 0 - - - - - Dividend Income 69
581 687 782 976 1,072 1,114 1,192 86 206 320 Interest Income Investments 70
0 0 0 2 1 12 0 10 6 5 Increase in Fair Value of Financial Assets 71
0 0 0 0 0 0 0 0 0 0 Decrease in Fair Value of Financial Liabilities 72
2 2 2 2 2 2 2 0 0 0 Gains on Sale of Financial Assets 73
7 7 0 0 0 -31 0 1 0 -8 Gains from Equity Investments under Equity Method 74
19 19 19 20 20 21 42 4 4 13 Other Operational Income 75
76
1,984 2,324 2,634 2,942 3,259 3,517 3,841 318 604 899 OPERATIONAL EXPENSES 77
Interest on Loans, fees, and fee 78
1,779 2,038 2,299 2,574 2,830 3,065 3,314 246 488 767 Interest on Loans 79
18 18 23 24 25 27 28 1 5 5 Fees and Fee Expenses 80
0 0 0 0 0 0 0 0 0 0 Insurance Claims Expense 81
0 0 1 1 1 1 5 0 2 6 Decrease in Fair Value of Financial Assets 82
0 0 16 19 29 0 46 0 5 0 Losses from Equity Investments under Equity Method 83
Expense Impairment of Financial Assets 84
-17 -18 -18 -17 -18 -18 -18 0 0 0 Banks 85
-10 -10 -9 -8 -6 -4 -2 0 -1 -3 Securities 86
-110 -93 -123 -152 -157 -188 -262 -3 -19 -68 Loans 87
5 6 10 8 9 10 5 2 4 3 Others 88
214 257 290 325 356 392 452 32 63 107 Salaries and Allowances 89
20 24 27 39 42 49 72 9 12 23 Business Development Expense 90
32 39 44 49 54 59 64 5 10 14 Depreciation and Amortization Expense 91
52 59 70 78 87 105 125 13 23 35 General and Administration Expense 92
2 2 3 4 6 20 14 13 11 10 Other Operational Expense 93
TOTAL OPERATIONAL INCOME AND EXPENSES 94
1,048 1,203 1,400 1,683 1,861 2,014 2,275 229 446 715 OPERATIONAL PROFIT (LOSS) 95
1,036 1,188 1,385 1,659 1,844 1,984 2,242 218 419 686 PROFIT (LOSS) BEFORE INCOME TAX 96
879 1,020 1,185 1,438 1,598 1,712 1,915 185 361 592 PROFIT (LOSS) AFTER INCOME TAX 97
Note:
- Income & Expense statement and Profit/ Loss statement accumulated in the current year
Source: FSA (processed)

39 Bank Indonesia
TABEL 11a. INDIKATOR PERUSAHAAN PEMBIAYAAN INFRASTRUKTUR/
TABLE 11a. INDICATORS OF INFRASTRUCTURE FINANCE COMPANY
2022 2023
1 Jumlah Perusahaan Pembiayaan Infrastruktur Unit - - - - 2 2 2 2 2 2 2 2 2 2 2 2 2 1 Number of Infrastructure Finance Company 1
2 Aset Perusahaan Pembiayaan Infrastruktur terhadap Aset Sektor Keuangan % - - - - 0.93 0.97 0.95 0.93 0.95 0.93 0.92 0.91 0.90 0.90 0.93 0.91 0.91 * … Assets of Infrastructure Finance Company to Assets of Financial Sector 2
3 Komposisi Aset Composition of Assets 3

4 Kas dan Setara Kas % - - - - 11.97 14.03 12.52 11.40 12.67 11.97 10.35 9.80 10.37 10.99 12.90 11.48 11.02 3.30 Cash and cash equivalents 4
5 Investasi dalam Surat Berharga/Surat Berharga Syariah % - - - - 7.87 8.03 8.04 8.07 8.08 7.87 8.00 7.88 8.18 7.94 7.59 7.63 7.77 13.69 Investment in Securities/Securities Sharia Valuable 5
6 Aset Tagihan Derivatif % - - - - 0.16 0.10 0.16 0.16 0.16 0.16 0.16 0.17 0.17 0.17 0.18 0.18 0.18 1.55 Derivative Receivable Assets 6
7 Piutang Pembiayaan Neto % - - - - 72.73 70.14 71.65 72.59 71.93 72.73 73.96 73.79 72.85 72.33 71.08 71.45 71.70 76.70 Net Financing Receivable 7
8 Piutang Pembiayaan Berdasarkan Prinsip Syariah Neto % - - - - 4.82 3.84 3.89 4.03 4.67 4.82 4.98 4.96 5.14 5.09 5.02 5.91 6.01 0.00 Financing Receivables Based on Sharia Principles Net 8
9 Aset Ijarah Neto % - - - - 0.13 0.07 0.09 0.10 0.10 0.13 0.14 0.14 0.15 0.19 0.18 0.25 0.25 0.00 Net Ijarah Assets 9
10 Penyertaan Modal % - - - - 1.26 2.53 2.48 2.48 1.30 1.26 1.30 1.31 1.30 1.29 1.23 1.23 1.25 1.34 Equity capital 10
11 Lain-Lain % - - - - 1.06 1.26 1.18 1.18 1.11 1.06 1.12 1.95 1.83 2.01 1.82 1.88 1.82 3.42 Others 11
12 12
13 ASET Rp Miliar/ Billions of Rp - - - - 133,898 131,671 130,317 130,886 134,045 133,898 130,469 129,209 128,047 129,118 132,970 131,591 130,820 14,884 ASSETS 13
14 Kas dan Setara Kas Rp Miliar/ Billions of Rp - - - - 16,021 18,477 16,314 14,925 16,982 16,021 13,498 12,660 13,284 14,195 17,148 15,101 14,418 491 Cash and cash equivalents 14
15 Kas Rp Miliar/ Billions of Rp - - - - 0.13 0.12 0.13 0.13 0.13 0.13 0.12 0.13 0.13 0.12 0.12 0.13 0.13 0 Cash 15
16 Simpanan pada Bank Dalam Negeri Rp Miliar/ Billions of Rp - - - - 15,732 13,639 12,205 11,966 14,778 15,732 13,237 12,394 13,033 13,948 16,891 14,841 14,161 491 Deposits at Domestic Banks 16
17 Giro Pada Bank Dalam Negeri Rp Miliar/ Billions of Rp - - - - 2,131 1,427 2,118 1,352 2,526 2,131 1,664 1,890 1,612 1,172 1,693 3,983 783 491 Current Accounts at Domestic Banks 17
18 Simpanan Lainnya Pada Bank Dalam Negeri Rp Miliar/ Billions of Rp - - - - 13,601 12,212 10,087 10,613 12,252 13,601 11,572 10,504 11,421 12,776 15,198 10,858 13,379 0 Other Deposits at Domestic Banks 18
19 Simpanan Pada Bank Luar Negeri Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Deposits at Overseas Banks 19
20 Giro Pada Bank Luar Negeri Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Current Account with Foreign Bank 20
21 Simpanan Lainnya Pada Bank Luar Negeri Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other Deposits at Overseas Banks 21
22 Dana yang Dibatasi Penggunaannya (Restricted Fund) Rp Miliar/ Billions of Rp - - - - 289 4,838 4,109 2,959 2,204 289 261 267 251 247 257 260 257 0 Restricted Funds (Restricted Funds) 22
23 Investasi dalam Surat Berharga/Surat Berharga Syariah Rp Miliar/ Billions of Rp - - - - 10,535 10,578 10,475 10,563 10,831 10,535 10,441 10,182 10,478 10,248 10,087 10,036 10,168 2,037 Investment in Securities/Securities Sharia Valuable 23
24 Aset Tagihan Derivatif Rp Miliar/ Billions of Rp - - - - 211 128 204 206 210 211 204 214 217 218 243 240 230 230 Derivative Receivable Assets 24
25 Piutang Pembiayaan Neto Rp Miliar/ Billions of Rp - - - - 97,388 92,360 93,366 95,004 96,415 97,388 96,491 95,344 93,282 93,391 94,514 94,019 93,791 11,416 Net Financing Receivable 25
26 Pemberian Pinjaman Langsung (Direct Lending) untuk Pembiayaan Infrastruktur Neto Rp Miliar/ Billions of Rp - - - - 50,215 48,941 49,275 49,904 49,893 50,215 49,485 49,592 47,906 48,223 49,204 48,886 49,205 10,017 Direct Lending for Net Infrastructure Financing 26
27 Refinancing atas Infrastruktur yang Telah Dibiayai Pihak Lain Neto Rp Miliar/ Billions of Rp - - - - 4,594 4,685 4,603 4,676 4,745 4,594 4,437 4,514 4,303 4,253 4,355 4,196 4,217 0 Refinancing of Infrastructure That Has Been Funded by Others Net 27
28 Pemberian Pembiayaan Subordinasi yang Berkaitan dengan Pembiayaan Infrastruktur Neto Rp Miliar/ Billions of Rp - - - - 11,158 10,702 10,712 10,421 10,894 11,158 11,211 10,333 10,236 10,198 10,315 10,379 10,431 1,399 Provision of Subordinated Financing Relating to Net Infrastructure Financing 28
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Berkaitan dengan Pembiayaan Infrastruktur Setelah Activities or Provision of Other Financing Facilities Relating to Infrastructure Financing
29 Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 29
Memperoleh Persetujuan Otoritas Jasa Keuangan Neto After Obtaining Net Financial Services Authority Approval
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Tidak Berkaitan dengan Pembiayaan Infrastruktur Activities or Provision of Other Financing Facilities Not Relating to Infrastructure Financing
30 Rp Miliar/ Billions of Rp - - - - 31,421 28,032 28,777 30,002 30,883 31,421 31,358 30,904 30,836 30,717 30,641 30,557 29,940 0 30
Berdasarkan Penugasan Pemerintah Neto Based on Government Assignments Net
31 Piutang Pembiayaan Berdasarkan Prinsip Syariah Neto Rp Miliar/ Billions of Rp - - - - 6,452 5,051 5,069 5,276 6,254 6,452 6,500 6,413 6,581 6,567 6,678 7,771 7,860 0 Financing Receivables Based on Sharia Principles Net 31
Pemberian Pembiayaan Langsung (Direct Financing) untuk Pembiayaan Infrastruktur Berdasarkan Prinsip Syariah
32 Rp Miliar/ Billions of Rp - - - - 2,065 1,385 1,341 1,347 2,199 2,065 2,202 2,210 2,161 2,175 2,396 2,453 2,521 0 Provision of Direct Financing for Infrastructure Financing Based on Net Sharia Principles 32
Neto
33 Refinancing atas Infrastruktur yang Telah Dibiayai Pihak Lain Berdasarkan Prinsip Syariah Neto Rp Miliar/ Billions of Rp - - - - 4,387 3,666 3,727 3,929 4,054 4,387 4,298 4,203 4,420 4,393 4,282 5,318 5,339 0 Refinancing of Infrastructure Funded by Other Parties Based on Net Sharia Principles 33
Pemberian Pembiayaan Subordinasi yang Berkaitan dengan Pembiayaan Infrastruktur Berdasarkan Prinsip Syariah Provision of Subordinated Financing Related to Infrastructure Financing Based on Net Sharia
Neto Principles
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Berkaitan dengan Pembiayaan Infrastruktur Setelah Activities or Provision of Other Financing Facilities Relating to Infrastructure Financing
Memperoleh Persetujuan Otoritas Jasa Keuangan Berdasarkan Prinsip Syariah Neto After Obtaining Financial Services Authority Approval Based on Net Sharia Principles
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Tidak Berkaitan dengan Pembiayaan Infrastruktur Activities or Provision of Other Financing Facilities Not Relating to Infrastructure Financing
Berdasarkan Penugasan Pemerintah Berdasarkan Prinsip Syariah Neto Based on Government Assignments Based on Net Sharia Principles
37 Aset Ijarah Neto Rp Miliar/ Billions of Rp - - - - 179 87 117 130 130 179 179 179 198 241 241 332 332 0 Net Ijarah Assets 37
38 Aset Ijarah Bruto Rp Miliar/ Billions of Rp - - - - 179 87 117 130 130 179 179 179 198 240 240 331 331 0 Gross Ijarah Assets 38
39 Pendapatan dan Biaya Lainnya sehubungan Transaksi Pembiayaan yang Diamortisasi Rp Miliar/ Billions of Rp - - - - -7 -2 -3 -5 -6 -7 -9 -11 -13 -15 -17 -20 -24 0 Other Income and Expenses related to Amortized Financing Transactions 39
40 Akumulasi Penyusutan Rp Miliar/ Billions of Rp - - - - 7 2 3 4 5 7 9 10 12 14 17 20 23 0 Accumulated depreciation 40

41 Penyertaan Modal Rp Miliar/ Billions of Rp - - - - 1,693 3,327 3,238 3,241 1,740 1,693 1,698 1,694 1,669 1,667 1,635 1,622 1,635 200 Equity capital 41
42 Penyertaan Modal pada Perusahaan di Sektor Jasa Keuangan Rp Miliar/ Billions of Rp - - - - 688 619 607 683 599 688 604 697 699 693 692 690 604 0 Equity Participation in Companies in the Financial Services Sector 42
43 Penyertaan Modal pada Perusahaan yang Bergerak dalam Proyek Infrastruktur Rp Miliar/ Billions of Rp - - - - 1,005 2,708 2,631 2,559 1,141 1,005 1,095 997 970 974 943 932 1,031 200 Equity Participation in Companies Engaged in Infrastructure Projects 43
44 Tagihan terkait Kegiatan Usaha Lain: Rp Miliar/ Billions of Rp - - - - 180 416 292 310 226 180 280 337 195 272 207 242 111 219 Claims related to Other Business Activities: 44
45 Tagihan terkait Pemberian Dukungan Kredit/Pembiayaan Rp Miliar/ Billions of Rp - - - - 167 410 288 306 222 167 262 319 186 262 197 230 102 215 Bills related to the Provision of Credit/Financing Support 45
46 Tagihan terkait Pemberian Jasa Konsultasi Rp Miliar/ Billions of Rp - - - - 13 6 4 4 3 13 18 18 9 10 10 12 9 4 Invoices related to the provision of consulting services 46
47 Tagihan terkait Upaya Mencarikan Pasar Swap yang Berkaitan dengan Pembiayaan Infrastruktur Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Invoices related to Efforts to Find Swap Markets Related to Infrastructure Financing 47
48 Aset Tetap dan Inventaris Neto Rp Miliar/ Billions of Rp - - - - 596 590 591 594 597 596 592 590 586 584 584 581 578 237 Fixed Assets and Net Inventory 48
49 Aset Tetap dan Inventaris Bruto Rp Miliar/ Billions of Rp - - - - 845 828 832 838 843 845 845 845 845 846 848 839 840 338 Fixed Assets and Gross Inventory 49
50 Akumulasi Penyusutan Aset Tetap dan Inventaris Rp Miliar/ Billions of Rp - - - - 249 238 241 243 246 249 252 255 258 261 264 258 261 101 Accumulated Depreciation of Fixed Assets and Inventory 50
51 Aset Tak Berwujud Neto Rp Miliar/ Billions of Rp - - - - 46 39 39 39 39 46 47 47 48 47 45 44 44 8 Net Intangible Assets 51
52 Aset Tidak Berwujud Bruto Rp Miliar/ Billions of Rp - - - - 151 139 140 142 143 151 153 154 156 156 155 156 157 52 Gross Intangible Assets 52
53 Akumulasi Amortisasi Aset Tidak Berwujud Rp Miliar/ Billions of Rp - - - - 105 100 101 103 104 105 106 107 108 109 111 112 113 43 Accumulated Amortization of Intangible Assets 53
54 Aset Pajak Tangguhan Rp Miliar/ Billions of Rp - - - - 83 75 88 85 85 83 83 92 100 104 91 96 85 29 Deferred tax assets 54
55 Rupa-Rupa Aset Rp Miliar/ Billions of Rp - - - - 512 542 525 511 536 512 455 1,457 1,409 1,585 1,498 1,507 1,567 16 Various Assets 55
56 56
57 LIABILITAS Rp Miliar/ Billions of Rp - - - - 90,892 89,517 88,082 88,537 91,142 90,892 87,315 85,921 84,548 85,455 89,136 88,152 87,189 12,449 LIABILITIES 57
58 Liabilitas Segera Rp Miliar/ Billions of Rp - - - - 537 432 378 515 591 537 650 521 479 716 776 1,331 781 6 Immediate Liability 58
59 Liabilitas Derivatif Rp Miliar/ Billions of Rp - - - - 10 3 0 1 0 10 41 13 45 52 14 1 2 1 Derivative Liabilities 59
60 Utang Pajak Rp Miliar/ Billions of Rp - - - - 274 131 192 226 246 274 241 182 193 35 31 80 103 4 Tax Payable 60
61 Pinjaman/Pendanaan Yang Diterima Rp Miliar/ Billions of Rp - - - - 53,578 54,731 53,356 54,095 53,578 53,578 50,473 49,083 48,141 49,179 48,730 47,091 47,786 4,225 Loans/Funding Received 61
62 Pinjaman/Pendanaan yang Diterima dari Pemerintah Rp Miliar/ Billions of Rp - - - - 24,640 26,538 26,496 26,446 26,367 24,640 24,640 24,352 24,389 24,389 24,389 24,389 23,944 0 Loans/Funding Received from the Government 62
63 Pinjaman/Pendanaan yang Diterima dari Pemerintah Pusat Rp Miliar/ Billions of Rp - - - - 24,640 26,538 26,496 26,446 26,367 24,640 24,640 24,352 24,389 24,389 24,389 24,389 23,944 0 Loans/Funding Received from the Central Government 63
64 Pinjaman/Pendanaan yang Diterima dari Pemerintah Daerah Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Loans/Funding Received from Local Government 64
65 Pinjaman/Pendanaan yang Diterima dari Pemerintah Asing Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Loans/Funding Received from Foreign Governments 65
66 Pinjaman/Pendanaan yang Diterima dari Organisasi Multilateral Rp Miliar/ Billions of Rp - - - - 1,656 1,545 1,577 1,614 1,641 1,656 1,585 1,624 837 863 966 250 253 257 Loans/Funding Received from Multilateral Organizations 66
67 Pinjaman/Pendanaan yang Diterima dari Bank Rp Miliar/ Billions of Rp - - - - 25,586 24,937 23,530 24,247 23,760 25,586 22,633 21,459 21,291 21,082 20,488 19,943 21,071 3,968 Loans/Funding Received from Banks 67
68 Pinjaman/Pendanaan Yang Diterima Dari Bank Dalam Negeri Rp Miliar/ Billions of Rp - - - - 16,619 16,458 14,839 15,388 14,790 16,619 14,095 12,753 12,706 12,674 11,955 11,379 12,474 3,968 Loans/Funding Received From Domestic Banks 68
69 Pinjaman/Pendanaan Yang Diterima Dari Bank Luar Negeri Rp Miliar/ Billions of Rp - - - - 8,967 8,479 8,691 8,859 8,970 8,967 8,538 8,706 8,585 8,408 8,532 8,565 8,597 0 Loans/Funding Received From Foreign Banks 69
70 Pinjaman/Pendanaan yang Diterima dari Lembaga Keuangan non Bank Rp Miliar/ Billions of Rp - - - - 1,697 1,711 1,753 1,787 1,810 1,697 1,616 1,647 1,625 2,845 2,887 2,509 2,518 0 Loans/Funding Received from Non-Bank Financial Institutions 70
71 Pinjaman/Pendanaan yang Diterima dari Lembaga Keuangan non Bank Dalam Negeri Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Loans/Funding Received from Domestic Non-Bank Financial Institutions 71
72 Pinjaman/Pendanaan yang Diterima dari Lembaga Keuangan non Bank Luar Negeri Rp Miliar/ Billions of Rp - - - - 1,697 1,711 1,753 1,787 1,810 1,697 1,616 1,647 1,625 2,845 2,887 2,509 2,518 0 Loans/Funding Received from Overseas Non-Bank Financial Institutions 72
73 Surat Berharga/Surat Berharga Syariah yang Diterbitkan Rp Miliar/ Billions of Rp - - - - 24,877 23,388 23,559 22,957 25,250 24,877 24,513 24,659 24,566 24,414 28,526 28,562 27,307 3,330 Securities/Sharia Securities Issued 73
74 Liabilitas Imbalan Pasca Kerja Rp Miliar/ Billions of Rp - - - - 141 169 165 162 162 141 140 140 140 139 139 158 158 35 Post-Employment Benefits Liability 74
75 Liabilitas Pajak Tangguhan Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Deferred Tax Liability 75
76 Pinjaman/Pendanaan Subordinasi Rp Miliar/ Billions of Rp - - - - 11,185 10,094 10,085 10,166 10,987 11,185 10,969 10,930 10,748 10,674 10,715 10,725 10,773 4,849 Subordinated Loans/Funding 76
77 Pinjaman/Pendanaan Subordinasi Dalam Negeri Rp Miliar/ Billions of Rp - - - - 11,185 10,094 10,085 10,166 10,987 11,185 10,969 10,930 10,748 10,674 10,715 10,725 10,773 4,849 Domestic Subordinated Loans/Funding 77
78 Pinjaman/Pendanaan Subordinasi Luar Negeri Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 - - - - - - - - Overseas Subordinated Loans/Funding 78
79 Rupa-Rupa Liabilitas Rp Miliar/ Billions of Rp - - - - 290 570 347 415 328 290 287 393 236 244 204 203 280 0 Various Liabilities 79
80 80
81 EKUITAS Rp Miliar/ Billions of Rp - - - - 43,006 42,153 42,235 42,349 42,903 43,006 43,154 43,288 43,499 43,663 43,835 43,439 43,631 2,318 EQUITY 81
82 Modal Rp Miliar/ Billions of Rp - - - - 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 32,546 2,030 Capital 82
83 Modal Disetor Rp Miliar/ Billions of Rp - - - - 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 32,517 2,000 Paid-up capital 83
84 Tambahan modal Disetor Rp Miliar/ Billions of Rp - - - - 30 30 30 30 30 30 30 30 30 30 30 30 30 30 Additional Paid-in Capital 84
85 Disagio Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Disagio 85
86 Modal Saham Diperoleh Kembali Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Share Capital Recovered 86
87 Biaya Emisi Efek Ekuitas Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Equity Securities Issuance Cost 87
88 Cadangan Rp Miliar/ Billions of Rp - - - - 3,111 3,111 3,111 3,111 3,111 3,111 3,111 3,111 3,111 3,120 3,120 3,769 3,769 44 Reserve 88
89 Cadangan Umum Rp Miliar/ Billions of Rp - - - - 3,075 3,075 3,075 3,075 3,075 3,075 3,075 3,075 3,075 3,075 3,075 3,725 3,725 0 General Reserve 89
90 Cadangan Tujuan Rp Miliar/ Billions of Rp - - - - 36 36 36 36 36 36 36 36 36 44 44 44 44 44 Destination Reserve 90
91 Saldo Laba (Rugi) yang Ditahan Rp Miliar/ Billions of Rp - - - - 5,011 5,018 5,018 5,018 5,018 5,011 7,296 7,258 7,258 7,225 7,225 5,980 5,980 224 Retained Profit (Loss) 91
92 Laba (Rugi) Bersih Setelah Pajak Rp Miliar/ Billions of Rp - - - - 2,397 1,396 1,687 1,902 2,300 2,397 226 438 658 848 1,017 1,248 1,441 52 Net Profit (Loss) After Tax 92
93 Komponen Ekuitas Lainnya Rp Miliar/ Billions of Rp - - - - -60 81 -127 -229 -73 -60 -25 -65 -75 -75 -73 -104 -105 -33 Other equity components 93
94 TOTAL LIABILITAS DAN EKUITAS Rp Miliar/ Billions of Rp - - - - 133,898 131,671 130,317 130,886 134,045 133,898 130,469 129,209 128,047 129,118 132,970 131,591 130,820 14,884 TOTAL LIABILITIES AND EQUITY 94
95 95
96 PENDAPATAN Rp Miliar/ Billions of Rp - - - - 7,408 4,487 5,087 5,722 6,713 7,408 690 1,367 2,086 2,794 3,469 4,270 5,013 858 INCOME 96
97 Pendapatan Operasional Rp Miliar/ Billions of Rp - - - - 6,245 3,667 4,218 4,748 5,642 6,245 630 1,210 1,838 2,445 3,069 3,768 4,400 858 Operating Income 97
98 Pendapatan dari Kegiatan Operasi Rp Miliar/ Billions of Rp - - - - 5,833 3,607 4,120 4,673 5,222 5,833 608 1,160 1,769 2,354 2,975 3,664 4,281 721 Income from Operations 98
99 Pendapatan Bunga Pinjaman yang Diberikan Rp Miliar/ Billions of Rp - - - - 5,538 3,452 3,930 4,455 4,972 5,538 564 1,060 1,616 2,161 2,720 3,352 3,916 721 Interest Income on Loans 99
100 Pemberian Pinjaman Langsung (Direct Lending) untuk Pembiayaan Infrastruktur Rp Miliar/ Billions of Rp - - - - 3,600 2,297 2,599 2,930 3,249 3,600 342 647 976 1,306 1,650 2,075 2,421 658 Direct Lending for Infrastructure Financing 100
101 Refinancing atas Infrastruktur yang Telah Dibiayai Pihak Lain Rp Miliar/ Billions of Rp - - - - 268 139 169 200 232 268 34 63 98 129 161 192 224 0 Refinancing of Infrastructure That Has Been Funded by Others 101
Provision of Subordinated Financing Related to Business Development Infrastructure

102 Pemberian Pembiayaan Subordinasi yang Berkaitan dengan Pembiayaan Infrastruktur Pengembangan Usaha Rp Miliar/ Billions of Rp - - - - 735 457 521 599 664 735 82 150 243 328 411 492 577 63 102
Financing
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Berkaitan dengan Pembiayaan Infrastruktur Setelah Activities or Provision of Other Financing Facilities Related to Infrastructure Financing
Memperoleh Persetujuan Otoritas Jasa Keuangan After Obtaining Financial Services Authority Approval
Kegiatan atau Pemberian Fasilita Pembiayaan Lain yang Tidak Berkaitan dengan Pembiayaan Infrastruktur Activities or Provision of Other Financing Facilities Not Relating to Infrastructure
Berdasarkan Penugasan Pemerintah Financing Based on Government Assignments
105 Pendapatan Pembiayaan yang Diberikan Berdasarkan Prinsip Syariah Rp Miliar/ Billions of Rp - - - - 295 155 190 218 250 295 43 100 153 194 255 312 364 0 Financing Income Provided Based on Sharia Principles 105
106 Pemberian Pembiayaan Langsung (Direct Financing) untuk Pembiayaan Infrastruktur Rp Miliar/ Billions of Rp - - - - 92 52 67 72 77 92 12 39 58 66 94 115 123 0 Provision of Direct Financing for Infrastructure Financing 106
107 Refinancing atas Infrastruktur yang Telah Dibiayai Pihak Lain Rp Miliar/ Billions of Rp - - - - 202 103 123 145 172 202 32 61 94 128 161 197 242 0 Refinancing of Infrastructure That Has Been Funded by Others 107
108 Pemberian Pembiayaan Subordinasi yang Berkaitan dengan Pembiayaan Infrastruktur Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Provision of Subordinated Financing Related to Infrastructure Financing 108
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Berkaitan dengan Pembiayaan Infrastruktur setelah Activities or Provision of Other Financing Facilities Related to Infrastructure Financing
memperoleh Persetujuan Otoritas Jasa Keuangan after obtaining Financial Services Authority Approval
Kegiatan atau Pemberian Fasilitas Pembiayaan Lain yang Tidak Berkaitan dengan Pembiayaan Infrastruktur Activities or Provision of Other Financing Facilities Not Relating to Infrastructure
Berdasarkan Penugasan Pemerintah Financing Based on Government Assignments
111 Pendapatan dari Kegiatan Usaha Lain Rp Miliar/ Billions of Rp - - - - 302 -10 8 -11 323 302 1 0 (10) (4) (23) (28) (31) 9 Income from Other Business Activities 111
112 Pendapatan Operasional Lain terkait Pembiayaan Rp Miliar/ Billions of Rp - - - - 56 46 47 47 54 56 20 37 61 76 101 123 137 118 Other Operating Income related to Financing 112
113 Pendapatan Operasional Lainnya Rp Miliar/ Billions of Rp - - - - 54 24 43 39 43 54 1 12 17 18 16 8 13 10 Other Operating Income 113
114 Pendapatan Non Operasional Rp Miliar/ Billions of Rp - - - - 1,163 820 869 974 1,071 1,163 60 158 249 348 399 502 613 0 Non-Operational Income 114
115 115
116 BEBAN Rp Miliar/ Billions of Rp - - - - 4,519 2,876 3,112 3,483 3,995 4,519 410 842 1,295 1,785 2,245 2,788 3,309 784 EXPENSES 116
117 Beban Operasional Rp Miliar/ Billions of Rp - - - - 4,500 2,811 3,119 3,471 3,981 4,500 408 840 1,281 1,772 2,227 2,763 3,281 784 Operating Expenses 117
118 Beban Bunga, Imbal Hasil, Provisi, dan Fee Rp Miliar/ Billions of Rp - - - - 3,368 2,121 2,404 2,718 3,034 3,368 322 695 1,061 1,438 1,820 2,223 2,599 560 Interest Expense, Yield, Provision, and Fee 118
119 Beban Premi atas Transaksi Swap Rp Miliar/ Billions of Rp - - - - 43 29 35 23 26 43 - 5 12 18 6 8 1 0 Premium Expense on Swap Transactions 119
120 Beban Tenaga Kerja Rp Miliar/ Billions of Rp - - - - 509 344 391 433 478 509 38 77 117 170 218 273 314 111 Labor Load 120
121 Beban Pemasaran Rp Miliar/ Billions of Rp - - - - 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Marketing Expenses 121
122 Beban Penyisihan/Penyusutan Rp Miliar/ Billions of Rp - - - - 205 123 52 35 154 205 16 20 43 64 54 106 164 9 Allowance/Depreciation Expense 122
123 Beban Penurunan Nilai Aset Keuangan Rp Miliar/ Billions of Rp - - - - 126 56 80 86 95 126 10 17 7 19 48 57 77 72 Impairment Expenses for Financial Assets 123
124 Beban Sewa Rp Miliar/ Billions of Rp - - - - 8 6 6 6 7 8 0 1 1 2 2 3 3 0 Rental expenses 124
125 Beban Pemeliharaan dan Perbaikan Rp Miliar/ Billions of Rp - - - - 18 12 12 14 15 18 1 2 2 3 4 4 7 0 Maintenance and Repair Expense 125
126 Beban Administrasi dan Umum Rp Miliar/ Billions of Rp - - - - 219 120 136 154 170 219 15 19 31 56 72 86 112 30 Administration and General Expenses 126
127 Beban Operasional Lainnya Rp Miliar/ Billions of Rp - - - - 3 2 2 2 2 3 6 6 6 2 3 4 5 2 Other Operating Expenses 127
128 Beban Non Operasional Rp Miliar/ Billions of Rp - - - - 19 66 -7 12 14 19 2 1 15 13 18 25 28 0 Non-Operating Expenses 128
129 129
130 LABA (RUGI) SEBELUM PAJAK Rp Miliar/ Billions of Rp - - - - 2,889 1,611 1,975 2,239 2,718 2,889 280 526 791 1,009 1,224 1,483 1,704 74 PROFIT (LOSS) BEFORE TAX 130
131 Taksiran Pajak Penghasilan Rp Miliar/ Billions of Rp - - - - - - - - - - - - - - - - 0 0 Estimated income tax 131
132 Pajak Tahun Berjalan Rp Miliar/ Billions of Rp - - - - 477 213 280 325 407 477 52 92 145 176 211 245 265 7 Current Year's Tax 132
133 Pendapatan (Beban) Pajak Tangguhan Rp Miliar/ Billions of Rp - - - - -16 -1 -8 -11 -11 -16 -3 4 12 3 5 10 1 -15 Deferred Tax Income (Expense) 133
134 LABA (RUGI) BERSIH SETELAH PAJAK Rp Miliar/ - - - - 2,397 1396 1687 1902 2300 2397 226 438 658 848 1017 1248 1441 52 NET PROFIT (LOSS) AFTER TAX 134
135 KEUNTUNGAN (KERUGIAN) PENDAPATAN KOMPREHENSIF LAINNYA PERIODE BERJALAN - - - - -66 60 174 -231 -75 -66 35 0 -9 -10 -7 -38 -39 -12 OTHER COMPREHENSIVE INCOME BENEFITS (LOSS) FOR THE CURRENT PERIOD 135
136 LABA (RUGI) BERSIH KOMPREHENSIF TAHUN BERJALAN - - - - 2,330 1,456 1,860 1,672 2,225 2,330 261 438 649 839 1,010 1,210 1,401 40 COMPREHENSIVE NET PROFIT (LOSS) FOR THE YEAR 136
Keterangan: Note:
- Data pendapatan dan biaya serta laba rugi merupakan data akumulasi pada tahun yang bersangkutan - Income & Expense statement and Profit/ Loss statement accumulated in the current year
- Terdapat perubahan format laporan sesuai dengan SEOJK No. 26 Tahun 2021 mulai April 2022 - There is a change in the report format in accordance with SEOJK No. 26 of 2021 starting April 2022
- Per Agustus 2023 terdapat perusahaan yang mengalami perubahan klasifikasi sektoral - As of August 2023, there are companies that have experienced changes in sectoral classification
- Data termasuk Syariah - Include Sharia Data


TABEL 12. INDIKATOR TEKFIN PEER-TO-PEER LENDING
TABLE 12. PEER-TO-PEER LENDING FINTECH INDICATORS
2022 2023
1 Jumlah Akumulasi Rekening Lender Number of Accounts of Lender Accounts by Residence of Lender 1
2 Jawa (Lender dari Jawa) Akun/ Account 155,230 500,030 581,455 621,888 772,966 729,886 742,225 757,604 765,645 772,966 779,350 784,656 791,433 800,106 814,015 826,341 845,008 764,181 Java 2
3 Luar Jawa (Lender dari Luar Jawa) Akun/ Account 50,281 102,149 131,578 184,247 222,963 211,740 214,662 219,259 221,288 222,963 224,056 224,931 226,295 230,148 243,494 257,760 284,627 309,461 Outside of Java 3
4 Luar Negeri (Lender dari Luar Negeri) Akun/ Account 1,996 3,756 3,930 3,359 3,526 3,505 3,509 3,514 3,524 3,526 3,535 3,541 3,545 3,544 3,550 3,553 3,575 3,581 Overseas 4
5 Agregat (Total) Akun/ Account 207,507 605,935 716,963 809,494 999,455 945,131 960,396 980,377 990,457 999,455 1,006,941 1,013,128 1,021,273 1,033,798 1,061,059 1,087,654 1,133,210 1,077,223 Total 5
6 6
7 Jumlah Akumulasi Rekening Borrower Number of Account of Borrower Accounts by Residence of Borrower 7
8 Jawa (Borrower dari Jawa) Akun/ Account 3,664,645 15,397,251 37,037,196 62,512,781 83,000,601 74,095,196 75,604,166 77,273,451 77,674,432 83,000,601 86,254,140 88,028,508 89,769,695 91,521,058 93,228,763 94,988,648 96,196,991 98,076,728 Java 8
9 Luar Jawa (Borrower dari Luar Jawa) Akun/ Account 694,803 3,171,872 6,524,166 10,734,071 16,795,179 14,121,607 14,607,817 15,136,249 15,482,991 16,795,179 17,808,922 18,411,500 19,120,315 19,663,351 20,247,356 20,813,094 21,086,629 21,722,013 Outside of Java 9
10 Agregat (Total) Akun/ Account 4,359,448 18,569,123 43,561,362 73,246,852 99,795,780 88,216,803 90,211,983 92,409,700 93,157,423 99,795,780 104,063,062 106,440,008 108,890,010 111,184,409 113,476,119 115,801,742 117,283,620 119,798,741 Total 10
11 11
12 Jumlah Akumulasi Transaksi Lender Accumulated Total of Lender Transactions by Residence of Lender 12
13 Jawa Akun/ Account 5,744,372 41,126,937 93,609,610 172,194,129 271,302,061 236,887,728 245,577,857 255,535,415 263,441,287 271,302,061 279,626,174 287,582,861 295,077,004 303,180,020 311,374,131 318,943,101 326,651,912 342,859,044 Java 13
14 Luar Jawa Akun/ Account 499,159 1,459,580 2,150,152 3,354,443 3,997,705 3,630,470 3,727,120 3,816,777 3,911,814 3,997,705 4,074,836 4,143,601 4,218,310 4,273,203 4,335,033 4,404,095 4,474,187 5,503,754 Outside of Java 14
15 Luar Negeri Akun/ Account 2,547,785 17,831,694 40,843,117 54,456,330 87,610,272 69,896,295 72,041,933 82,842,506 85,046,229 87,610,272 89,957,503 92,243,519 93,746,981 96,696,139 99,720,889 102,227,964 104,826,916 96,057,644 Overseas 15
17 17
18 Jumlah Akumulasi Transaksi Borrower Accumulated Total of Borrower Transactions by Residence of Borrower 18
19 Jawa Akun/ Account 12,169,789 68,215,545 210,745,007 446,374,462 598,023,575 540,212,837 551,453,135 565,146,109 575,864,565 598,023,575 610,558,146 621,042,448 630,863,318 641,934,390 653,059,222 663,687,468 674,537,586 685,049,383 Java 19
20 Luar Jawa Akun/ Account 2,161,652 13,660,488 37,662,416 86,747,100 124,472,838 109,854,581 112,783,424 116,234,136 119,048,102 124,472,838 127,873,387 130,703,049 133,512,876 136,300,233 139,363,243 142,233,489 145,167,655 148,052,023 Outside of Java 20
22 22
23 Akumulasi Jumlah Pinjaman Accumulated Loan by Residence of Borrower 23
24 Jawa (Borrower dari Jawa) Rp Miliar/ Rp Billion 19,617.46 69,823.52 132,383 246,625 432,316 361,697 376,984 394,658 409,615 432,316 447,159 460,738 475,026 489,962 505,983 520,579 534,311 549,520 Java 24
25 Luar Jawa (Borrower dari Luar Jawa) Rp Miliar/ Rp Billion 3,048.61 11,673.99 23,520 49,227 95,690 74,427 78,016 82,236 85,900 95,690 99,643 103,738 107,733 111,452 115,851 119,903 123,544 127,986 Outside of Java 25
26 Agregat (Total) Rp Miliar/ Rp Billion 22,666.07 81,497.51 155,903 295,853 528,006 436,124 455,000 476,895 495,516 528,006 546,802 564,476 582,759 601,413 621,834 640,482 657,855 677,507 Total 26
27 27
28 Rata-Rata Kualitas Pinjaman Ratio of Loan Quality 28
29 Rasio Pinjaman Lancar (s.d. 30 hari) % 95.25 - - 91 90 89 90 90 90 90 90 90 90 90 89 90 88 89 Performing (paid up to 30 days after due) 29
30 % 3.30 - - 7 7 8 7 7 7 7 7 7 7 7.2 7.3 6.6 8.1 7.6 Non-Current (in arrears by more than 30 up to 90 days after due) 30
Rasio Pinjaman Tidak Lancar (30 hari s.d. 90 hari)
31 Rasio Pinjaman Macet (>90 hari) % 1.45 - - 2 3 3 3 3 3 3 3 3 3 2.8 3.4 3.3 3.5 2.9 Non-Performing (in arrears by more than 90 days after due) 31

TABEL 13. INDIKATOR PASAR UANG DAN PASAR VALAS/
TABLE 13. INDICATORS OF MONEY MARKET AND FOREX MARKET
2022 2023
Sept Oct Nov Dec Jan Feb Mar Apr May Jun Jul Agt Sept
1 INDIKATOR KEDALAMAN PASAR KEUANGAN . . INDICATORS OF FINANCIAL DEEPENING 1
2 PASAR UANG1) MONEY MARKET 1) 2
3 PASAR UANG RUPIAH RUPIAH MONEY MARKET 3
4 PUAB2) INTERBANK MONEY MARKET 2) 4
5 RRH Volume Transaksi Daily Average of Volume of Transactions 5
6 Seluruh Tenor Rp Miliar/ Billions of Rp 18,551 19,018 9,608 6,863 9,764 14,044 15,762 11,149 10,310 15,721 17,633 18,587 23,400 18,667 20,842 24,782 21,215 20,313 All Tenor 6
7 a.l.: o.w.: 7
8 Overnight Rp Miliar/ Billions of Rp 11,922 12,664 6,982 5,104 6,972 9,114 11,106 8,641 6,967 12,701 13,076 12,340 15,720 13,387 13,159 16,506 13,823 12,117 Overnight 8
9 1 minggu Rp Miliar/ Billions of Rp 3,234 3,215 1,285 574 1,302 3,102 2,191 1,305 1,664 1,470 1,743 2,840 3,721 3,072 3,735 3,923 4,153 4,065 1 week 9
10 1 bulan Rp Miliar/ Billions of Rp 117 150 70 62 77 63 5 34 122 6 56 75 183 27 231 85 160 18 1 month 10
11 RRH Frekuensi Transaksi Daily Average of Frequency of Transactions 11
12 Seluruh Tenor Juta transaksi/ Millions transaction 212 209 105 78 98 137 137 109 100 139 156 164 190 159 186 208 189 188 All Tenor 12
13 a.l.: o.w.: 13
14 Overnight Juta transaksi/ Millions transaction 132 130 69 54 65 84 88 77 62 104 110 100 116 103 111 130 117 104 Overnight 14
15 1 minggu Juta transaksi/ Millions transaction 40 39 17 8 15 32 24 15 19 18 19 31 36 32 35 35 38 42 1 week 15
16 1 bulan Juta transaksi/ Millions transaction 1.50 1.68 0.75 0.19 0.67 0.77 0.05 0.41 1.55 0.14 1 1 2 0 3 1 2 0 1 month 16
RRH Spread Suku Bunga Tertinggi dan Terendah Daily Average of Interest Rate Spread Highest and Lowest Interbank Money Market Rupiah
17 bps 29 25 14 3 9 16 20 24 22 23 28 28 28 33 27 25 24 23 17
PUAB Rupiah (overnight) (Overnight)
18 Jumlah Pelaku satuan/ unit 101 98 91 92 91 83 84 83 80 82 82 82 82 84 83 85 86 85 Number of players 18

19 PUAS SHARIA INTERBANK MONEY MARKET 19
21 Seluruh Tenor Rp Miliar/ Billions of Rp 894 677 758 1,729 1,916 * 744 * 694 * 904 * 1,376 * 706 * 1,366 * 1,630 * 1,574 * 1,101 * 1,398 * 1,796 * 1,476 * 1,714 * All Tenor 21
22 a.l.: o.w.: 22
23 Overnight Rp Miliar/ Billions of Rp 373 337 284 966 1,579 * 572 * 492 * 644 * 876 * 535 * 836 * 913 * 801 * 618 * 622 * 791 * 638 * 716 * Overnight 23
25 Seluruh Tenor Juta transaksi/ Millions transaction 16 13 16 19 13 * 10 * 11 * 12 * 17 * 10 * 17 * 20 * 20 * 15 * 19 * 22 * 20 * 22 * All Tenor 25
26 a.l.: o.w.: 26
27 Overnight Juta transaksi/ Millions transaction 8 7 6 15 6* 8* 8* 9* 11 * 7* 11 * 13 * 10 * 9* 9* 11 * 10 * 11 * Overnight 27
28 Jumlah Pelaku satuan/ unit 44 42 43 39 36 * 27 * 20 * 24 * 31 * 22 * 31 * 33 * 30 * 29 * 33 * 36 * 36 * 32 * Number of Players 28
29 REPO 3) REPO 3) 29
31 Seluruh Tenor Rp Miliar/ Billions of Rp 858 1,113 515 4,408 7,297 6,932 7,004 7,575 8,169 14,421 10,637 9,808 12,533 9,252 10,539 10,175 7,987 8,918 All Tenor 31
32 a.l.: o.w.: 32
33 Overnight Rp Miliar/ Billions of Rp 62 129 42 2,820 4,159 1,248 660 5,882 5,665 9,558 5,892 3,180 4,356 3,431 2,423 2,061 1,859 2,658 Overnight 33
34 1 minggu Rp Miliar/ Billions of Rp 333 339 187 333 1,456 3,682 4,161 841 909 1,742 1,801 3,287 3,348 3,734 5,128 5,207 3,697 2,773 1 week 34
35 1 bulan Rp Miliar/ Billions of Rp 125 259 85 49 218 168 307 37 61 350 200 423 345 93 24 51 72 53 1 month 35
36 Frekuensi Transaksi Frequency of Transaction 36
37 Seluruh Tenor transaksi/transaction 1,233 1,122 538 3,777 5,522 583 604 406 490 768 637 704 531 637 584 642 724 596 All Tenor 37
38 a.l.: o.w.: 38
39 Overnight transaksi/transaction 51 83 30 1,937 2,313 65 40 227 231 392 286 182 131 211 102 98 145 124 Overnight 39
40 1 minggu transaksi/transaction 432 379 240 459 1,561 338 396 68 109 136 163 252 183 273 306 388 351 234 1 week 40
41 1 bulan transaksi/transaction 155 244 73 62 202 15 24 8 12 26 15 40 12 7 2 2 4 3 1 month 41
42 Jumlah Pelaku satuan/ unit 44 40 32 50 55 38 40 32 32 36 27 38 40 38 41 37 43 40 Number of Players 42
43 PASAR UANG VALAS FOREX MONEY MARKET 43
44 PUAB Valas DN (Mata Uang USD) DOMESTIC FOREX INTERBANK MONEY MARKET (in USD currency) 44
46 Seluruh Tenor USD Ribu/Thousands of USD 309,991 263,645 192,396 109,797 200,999 141,450 131,443 248,675 187,295 192,857 153,950 172,024 128,107 235,586 241,459 184,115 207,759 220,420 * All Tenor 46
47 a.l.: o.w.: 47
48 Overnight USD Ribu/Thousands of USD 198,613 166,791 123,362 49,579 92,307 90,409 83,276 147,364 111,500 119,262 95,275 98,048 69,143 141,571 143,588 76,225 108,450 72,525 Overnight 48
49 1 minggu USD Ribu/Thousands of USD 33,070 29,533 21,955 21,913 45,591 20,227 10,429 20,023 20,591 10,714 21,325 17,190 20,750 22,619 27,000 29,240 27,477 85,230 1 week 49
50 1 bulan USD Ribu/Thousands of USD 789 2,678 1,764 4,820 3,010 2,314 952 0 1,068 71 325 0 1,357 848 429 7,150 5,559 215 1 month 50
51 RRH Frekuensi Transaksi Daily Average of Frequency of Transaction 51
52 Seluruh Tenor Juta transaksi/ Millions transaction 26 23 20 11 24 19 15 26 21 20 18 17 12 25 26 20 22 24 * All Tenor 52
53 a.l.: o.w.: 53
54 Overnight Juta transaksi/ Millions transaction 16 14 12 5 11 12 9 16 12 12 11 8 6 15 15 8 12 9 Overnight 54
55 1 minggu Juta transaksi/ Millions transaction 4 3 3 3 6 3 1 3 3 1 3 2 3 2 4 4 3 8 1 week 55
56 1 bulan Juta transaksi/ Millions transaction 0.12 0.31 0.14 0.25 0.24 0.32 0.14 0.00 0.23 0.05 0.10 0.00 0.21 0.24 0 0 0 0 1 month 56
58 PUAB Valas LN (Mata Uang USD) OVERSEAS FOREIGN INTERBANK MONEY MARKET (in USD currency) 58
60 Seluruh Tenor USD Ribu/Thousands of USD 1,670,918 1,595,784 1,282,877 1,007,000 1,232,109 1,042,705 3,389,262 1,366,864 1,354,818 1,090,100 1,311,735 920,952 854,393 1,151,690 857,618 1,028,663 1,303,218 1,231,775 All Tenor 60
61 a.l.: o.w.: 61
62 Overnight USD Ribu/Thousands of USD 1,014,620 976,731 742,807 507,413 516,286 637,136 644,262 615,614 626,227 696,750 644,660 464,905 435,964 442,176 508,882 570,250 608,923 731,575 Overnight 62
63 1 minggu USD Ribu/Thousands of USD 111,203 95,950 79,425 93,567 37,701 34,955 23,429 32,636 49,045 28,625 29,575 61,762 97,786 50,548 33,500 28,300 68,886 65,000 1 week 63
64 1 bulan USD Ribu/Thousands of USD 42,573 46,026 91,875 95,307 325,886 117,727 2,516,762 141,455 135,682 160,150 129,700 156,143 183,179 142,048 118,382 127,925 87,477 98,625 1 month 64
65 RRH Frekuensi Transaksi Daily Average of Frequency of Transaction 65
66 Seluruh Tenor Juta transaksi/ Millions transaction 26 22 15 13 13 12 13 16 15 14 14 15 16 15 14 13 13 13 All Tenor 66
67 a.l.: o.w.: 67
68 Overnight Juta transaksi/ Millions transaction 16 13 9 7 7 6 8 7 7 8 8 7 8 7 7 7 6.68 6.20 Overnight 68
69 1 minggu Juta transaksi/ Millions transaction 2 2 1 1 1 1 1 1 1 1 1 2 2 1 1 1 1.32 1.30 1 week 69
70 1 bulan Juta transaksi/ Millions transaction 1 1 1 1 2 2 2 2 2 2 2 2 3 3 2 2 2 1.50 1 month 70
72 PUAS Valas USD SHARIA INTERBANK MONEY MARKET (in USD currency) 72
74 Seluruh Tenor USD Ribu/Thousands of USD 342 572 213 806 1,598 1,159 * 1,595 * 0* 0* 429 * 375 * 0* 2,857 * 7,095 * 235 * 1,800 * 91 * 0* All Tenor 74
75 a.l.: o.w.: 75
76 Overnight USD Ribu/Thousands of USD 0* 33 * 0* 196 * 264 * 0* 0* 0* 0* 0* 0* 0* 357 * 143 * 0* 0* 91 * 0* Overnight 76
78 Seluruh Tenor Juta transaksi/ Millions transaction 0.17 * 0.10 * 0.07 * 0.14 * 0.24 * 0.14 * 0.24 * 0.00 * 0.00 * 0.10 * 0.10 * 0.00 * 0.14 * 0.33 * 0.06 * 0.30 * 0.09 * 0.00 * All Tenor 78
79 a.l.: o.w.: 79
80 Overnight Juta transaksi/ Millions transaction 0 0 0 0.03 0.03 0 0 0 0 0 0 0 0 0 0 0 0 0 Overnight 80
82 82
83 PASAR VALAS FOREX MARKET 83
84 Volume Transaksi Spot USD Ribu/Thousands of USD 3,518,199 3,291,941 2,922,843 3,423,280 4,140,170 4,288,015 3,915,261 4,019,349 4,149,552 4,527,862 4,274,205 4,675,260 5,737,800 4,888,730 5,195,619 4,673,973 4,254,557 4,302,937 Volume of Spot Transactions 84
85 Volume Transaksi Forward USD Ribu/Thousands of USD 291,938 315,966 373,123 419,515 514,381 588,518 447,339 406,409 535,704 636,721 536,173 582,120 700,750 439,636 644,193.01 588,702.66 562,946 549,093.00 Volume of Forward Transactions 85
86 Volume Transaksi Swap USD Ribu/Thousands of USD 1,603,511 1,691,924 1,423,191 1,464,130 1,698,436 1,848,668 1,873,282 1,721,708 1,687,691 1,847,690 1,854,565 1,980,360 2,499,430 1,946,744 2,247,277.57 2,382,505.33 2,133,351 2,222,821.20 Volume of Swap Transactions 86
87 Volume Transaksi Option USD Ribu/Thousands of USD 37,546 36,480 36,945 55,545 73,473 92,390 49,669 50,506 64,416 108,598 145,511 127,150 134,000 113,226 114,840.63 124,024.83 148,821 127,829.97 Volume of Option Transactions 87
88 Total Volume USD Ribu/Thousands of USD 5,451,195 5,336,312 4,756,102 5,362,472 6,426,460 6,817,591 6,285,551 6,197,972 6,437,363 7,120,872 6,810,454 7,364,890 9,071,980 7,388,335 8,201,930 7,769,205 7,099,675 7,202,681 Total Volume 88
89 Volume Transaksi Spot/Total Volume Transaksi Valas % 65 62 61 64 64 63 62 65 64 64 63 63 63 66 63 60 60 60 Volume of Spot Transactions to Total of Volume of Forex Transactions Ratio 89
90 Volume Transaksi Forward/Total Volume Transaksi Valas % 5 6 8 8 8 9 7 7 8 9 8 8 8 6 8 8 8 8 Volume of Forward Transactions to Total of Volume of Forex Transactions Ratio 90
91 Volume Transaksi Swap/Total Volume Transaksi Valas % 29 32 30 27 26 27 30 28 26 26 27 27 28 26 27 31 30 31 Volume of Swap Transactions to Total of Volume of Forex Transactions Ratio 91
92 Volume Transaksi Option/Total Volume Transaksi Valas % 1 1 1 1 1 1 1 1 1 2 2 2 1 2 1 2 2 2 Volume of Option Transactions to Total of Volume of Forex Transactions Ratio 92
93 93

42 Bank Indonesia
TABEL 13. INDIKATOR PASAR UANG DAN PASAR VALAS/
TABLE 13. INDICATORS OF MONEY MARKET AND FOREX MARKET
2022 2023
Sept Oct Nov Dec Jan Feb Mar Apr May Jun Jul Agt Sept
94 INDIKATOR SUKU BUNGA PASAR UANG INDICATORS OF INTEREST RATE OF MONEY MARKET 94
95 PASAR UANG1) MONEY MARKET 1) 95
96 PASAR UANG RUPIAH RUPIAH MONEY MARKET 96
97 PUAB2) INTERBANK MONEY MARKET 2) 97
98 RRH Suku Bunga Rata-rata Tertimbang Daily Average of Interest Rates Weighted Average 98
99 a.l.: o.w.: 99
100 Overnight % 4.74 5.53 3.90 2.82 3.30 3.44 4.00 4.50 4.87 5.10 5.51 5.59 5.63 5.56 5.61 5.61 5.62 5.60 Overnight 100
101 1 minggu % 5.36 5.84 4.38 3.31 3.86 4.07 4.67 5.27 5.58 5.79 5.94 5.96 5.98 5.94 5.95 5.96 5.96 5.96 1 week 101
102 1 bulan % 6.43 6.46 4.79 4.24 4.36 4.25 5.45 5.77 6.00 6.35 6.36 6.33 6.38 6.29 6.34 6.37 6.37 6.37 1 month 102
103 PUAS SHARIA INTERBANK MONEY MARKET 103
104 RRH Imbal Hasil Rata-rata Tertimbang Daily Average Yields Weighted Average 104
105 Overnight Overnight 105
106 Tingkat Imbalan Instrumen PUAS % 4.76 4.82 2.25 2.25 3.43* 3.45* 4.00* 4.62* 5.16* 5.12* 5.58* 5.67* 5.75* 5.64* 5.68* 5.69* 5.6820 5.6796 Yield of Sharia Interbank Money Market Instruments 106
107 REPO REPO 107
108 Repo Rate Repo Rate 108
109 a.l o.w.: 109
110 Overnight % - 5.80 3.41 2.81 3.27 3.42 4.11 4.49 4.84 5.06 5.49 5.63 5.63 5.61 5.61 5.62 5.65 5.62 Overnight 110
111 1 minggu % 5.30 5.85 4.63 3.32 3.98 4.06 4.67 5.06 5.53 5.71 5.87 5.93 5.99 5.95 5.92 5.95 5.95 5.93 1 week 111
112 1 bulan % 6.17 6.26 4.31 3.53 3.92 4.28 4.91 5.16 5.73 5.85 6.16 6.14 6.37 6.20 5.93 6.35 6.35 6.21 1 month 112
Keterangan : Notes:
1)
Transaksi dengan jangka waktu s.d 1 tahun. 1)
Transaction with maturity ≤ 1 year
2)
PUAB meliputi transaksi uncollateralized interbank call money. 2)
Interbank Money Market including uncollateralized interbank call money Transactions
3)
Repo menggunakan underlying instrumen surat berharga (SBN, SBI dan SDBI) 3)
As underlying Transactions for Repos are securities (Government Securities, Bank Indonesia Certificate and Bank Indonesia
yang ditatausahakan di BI-SSSS. Transaksi repo dan suku bunga repo 1 minggu Deposit Certificate) which are administered/ settled by BI - SSSS. 1 week-tenure of repo's transactions and repo's rate consists of
merupakan gabungan dari transaksi repo tenor 5-10 hari.
* Angka sementara 5*Preliminary
to 10 days-tenure.
figures

43 Bank Indonesia
TABEL 14. INDIKATOR PASAR MODAL/
TABLE 14. INDICATORS OF CAPITAL MARKET
2022 2023
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
1 PASAR SAHAM . . . CAPITAL MARKET 1
2 IHSG (akhir periode) Poin/Point 6,194 6,300 5,979 6,581 6,851 7,041 7,099 7,081 6,851 6,839 6,843 6,805 6,916 6,633 6,662 6,931 6,953 6,940 Jakarta Composite Stock Price Index (end of period) 2
3 Jumlah Emiten Perusahaan/Company 619 668 713 766 825 810 810 820 825 835 845 853 858 864 868 876 888 890 Number of Listed Companies 3
4 Pertumbuhan Jumlah Emiten %, yoy 9.36 7.92 6.74 7.43 7.70 8.00 7.86 8.61 7.70 8.30 9.17 9.64 9.30 9.78 10.29 10.19 9.77 9.88 Growth of Number of Emiten 4
5 Nilai Penerbitan Saham Perdana (IPO) Rp Miliar/ Billions of Rp 15,665 14,779 5,578 10,995 719 125 0 10,539 719 829 9,713 1,968 19,481 752 1,162 11,752 3,593 182 Value of Initial Public Offerings (IPO) 5
6 Nilai Kapitalisasi Pasar Saham Rp Miliar/ Billions of Rp 7,023,497 7,265,016 6,970,009 8,255,624 9,499,139 9,238,085 9,420,709 9,559,871 9,499,139 9,425,459 9,499,080 9,488,182 9,790,231 9,354,254 9,459,175 10,059,818 10,243,990 10,288,444 Value of Market Capitalization 6
7 Nilai Kapitalisasi Pasar Saham Terhadap PDB Harga Berlaku % 47.33 45.89 45.15 48.63 * 48.49 * 48.69 * - - 48.49 * - - 47.08 * - - 46.19 * - - … Value of Market Capitalization to Gross Domestic Bruto (GDP) 7
8 Pertumbuhan Kapitalisasi Pasar Saham %, yoy -0.41 3.44 -4.06 18.44 15.06 19.74 16.48 18.09 15.06 12.71 9.31 6.49 2.46 -0.63 4.88 10.15 9.42 11.37 Growth of Market Capitalization 8
9 Price Earning Ratio (PER), average 1) Kali/ Times 13.59 17.09 10.22 19.16 12.32 14.13 13.40 12.78 12.32 12.68 12.89 13.03 13.80 12.83 12.97 13.54 13.76 13.82 Price Earning Ratio (PER), average 1)
9
10 Pertanian Kali/ Times 19.27 27.21 19.50 - - - - - - - - - - - - - - - Agriculture 10
11 Pertambangan Kali/ Times -1.03 12.00 11.14 - - - - - - - - - - - - - - - Mining 11
12 Industri Dasar dan Kimia Kali/ Times 13.74 19.21 7.57 - - - - - - - - - - - - - - - Basic Industry and Chemical 12
13 Aneka Industri Kali/ Times 16.15 17.50 6.41 - - - - - - - - - - - - - - - Miscellaneous Industry 13
14 Industri Barang Konsumsi Kali/ Times 24.94 10.02 17.25 - - - - - - - - - - - - - - - Consumer Goods Industry 14
15 Properti, Real Estate dan Konstruksi Bangunan Kali/ Times 27.07 10.86 7.53 - - - - - - - - - - - - - - - Property, Real Estate and Building Construction 15
16 Infrastruktur, Utilitas dan Transportasi Kali/ Times 9.50 23.36 16.30 - - - - - - - - - - - - - - - Infrastructure, Utility and Transportation 16
17 Keuangan Kali/ Times 25.63 23.90 27.58 - - - - - - - - - - - - - - - Finance 17
18 Perdagangan, Jasa dan Investasi Kali/ Times 5.25 14.58 -1.48 - - - - - - - - - - - - - - - Trade, Services and Investment 18
19 IDX Sektor Energi Kali/ Times - - - 10.28 6.45 7.72 7.29 6.49 6.45 6.38 6.02 6.02 6.63 5.71 5.04 7.08 7.68 7.56 IDX Sector Energy 19
20 IDX Sektor Barang Baku Kali/ Times - - - 19.30 10.88 12.00 12.14 10.64 10.88 11.01 10.73 10.17 10.40 10.72 10.48 12.01 13.66 13.01 IDX Sector Basic Materials 20
21 IDX Sektor Perindustrian Kali/ Times - - - 13.38 11.18 10.22 10.34 10.67 11.18 11.16 12.86 9.55 12.61 11.36 9.89 10.14 10.81 11.03 IDX Sector Industrials 21
22 IDX Sektor Barang Konsumen Primer Kali/ Times - - - 15.63 14.09 13.42 13.74 13.70 14.09 14.31 14.55 15.99 16.88 17.13 16.64 19.45 17.23 15.93 IDX Sector Consumer Non-Cyclicals 22
23 IDX Sektor Barang Konsumen Non-Primer Kali/ Times - - - 25.80 11.75 14.59 14.06 12.49 11.75 11.46 12.03 13.00 15.23 16.38 17.30 17.07 15.22 14.71 IDX Sector Consumer Cyclicals 23
24 IDX Sektor Kesehatan Kali/ Times - - - 17.55 24.89 19.75 22.84 25.42 24.89 24.82 24.22 20.98 21.13 23.78 22.55 21.29 19.30 22.13 IDX Sector Healthcare 24
25 IDX Sektor Keuangan Kali/ Times - - - 24.11 15.44 17.60 15.68 15.88 15.44 15.49 15.66 14.78 15.65 15.36 15.17 15.98 15.80 15.84 IDX Sector Financials 25
26 IDX Sektor Properti & Real Estat Kali/ Times - - - 32.00 13.22 16.33 13.72 13.41 13.22 12.32 12.25 12.15 13.50 11.37 11.90 12.34 14.36 14.12 IDX Sector Properties & Real Estate 26
27 IDX Sektor Teknologi Kali/ Times - - - 51.59 25.85 21.74 19.90 23.64 25.85 23.99 30.23 34.58 38.74 36.21 32.18 33.19 16.97 19.34 IDX Sector Technology 27
28 IDX Sektor Infrastruktur Kali/ Times - - - 22.11 12.32 18.79 17.18 14.23 12.32 12.25 12.80 12.10 12.65 12.12 12.81 13.47 12.79 12.61 IDX Sector Infrastructures 28
29 IDX Sektor Transportasi & Logistik Kali/ Times - - - 16.79 12.13 15.19 13.02 13.89 12.13 13.15 13.32 12.78 12.28 10.47 10.66 10.52 11.50 11.48 IDX Sector Transportation & Logistic 29
30 TRANSAKSI SAHAM STOCK TRADING 30
31 Rata-rata Volume Transaksi Harian Juta Saham/ Milllion Shares 10,568 14,709 11,374 20,570 23,882 29,504 23,021 20,163 24,367 18,315 18,992 17,323 15,609 21,505 18,401 17,366 19,445 21,933 Average Daily Trading Volume 31
32 Pertumbuhan Rata-rata Volume Transaksi Harian %, yoy -11.59 39.18 -22.67 80.85 16.10 32.81 -2.74 -14.80 2.20 -7.35 -22.72 -28.74 -38.59 -2.43 -28.41 -19.69 -25.47 -25.66 Growth of Average Daily Trading Volume 32
33 Rata-rata Nilai Transaksi Harian Rp Miliar/ Billions of Rp 8,500 9,185 9,210 13,410 14,828 15,706 12,986 13,005 13,168 10,295 9,822 10,197 11,013 11,171 9,642 9,659 11,198 11,363 Average Daily Trading 33
34 Pertumbuhan Rata-rata Nilai Transaksi Harian %, yoy 11.80 8.05 0.27 45.61 10.57 24.91 -23.70 -1.10 6.71 -15.71 -28.93 -40.27 -41.31 -40.53 -41.86 -17.62 -20.60 -27.65 Growth of Average Daily Trading 34
35 Nilai Neto Transaksi Beli Investor Asing Rp Miliar/ Billions of Rp -50,746 49,196 -47,813 37,974 60,575 3,049 11,278 735 -20,910 -3,213 5,709 4,123 12,294 1,671 -4,377 2,715 -20,102 -4,058 Net Value of Foreign Investor Transaction 35
36 Nilai Transaksi Beli Investor Asing Rp Miliar/ Billions of Rp 728,937 747,925 677,316 850,807 1,212,398 110,686 94,943 100,607 92,265 75,361 72,742 88,773 58,201 100,418 61,355 69,811 77,685 72,079 Foreign Investor Buying 36
37 Nilai Transaksi Jual Investor Asing Rp Miliar/ Billions of Rp 779,683 698,729 725,129 812,833 1,151,823 107,636 83,665 99,872 113,175 78,575 67,033 84,650 45,906 98,747 65,732 67,095 97,787 76,137 Foreign Investor Selling 37
38 Rata-rata Frekuensi Transaksi Harian kali 388,927 467,682 681,332 1,293,920 1,314,808 1,390,530 1,204,157 1,207,875 1,004,759 1,106,391 1,088,780 1,185,461 1,237,121 1,292,431 1,216,384 1,217,906 1,095,937.00 * 1,095,937.41 * Average Frequency Daily Trading 38
39 Pertumbuhan Rata-rata Frekuensi Transaksi Harian %, yoy 24.67 20.25 45.68 89.91 1.61 -0.07 -16.09 -7.91 -21.52 -16.28 -28.74 -16.00 -16.37 -11.44 -10.75 7.40 -14.01 -21.19 Growth of Average Frequency Daily Trading 39
40 40
41 PASAR OBLIGASI BONDS MARKET 41
42 Rata-rata Volume Transaksi Harian Rp Miliar/ Billions of Rp 22,047 29,638 45,463 57,232 51,907 38,441 36,461 54,687 52,033 64,104 r 47,713 r 46,126 r 56,442 r 53,613 r 52,069 r 56,118 42,381 48,124 Average Daily Trading Volume 42
43 Korporasi Rp Miliar/ Billions of Rp 1,354 1,579 1,560 1,386 1,974 2,300 2,213 1,445 2,897 1,907 r 2,379 r 1,935 r 1,930 r 1,375 1,831 r 3,002 1,892 1,771 Corporation 43
44 Rata-rata Nilai Transaksi Harian Rp Miliar/ Billions of Rp 21,608 29,230 46,253 57,824 51,498 37,847 35,657 53,505 51,395 64,886 r 47,636 r 46,067 r 56,737 r 54,204 52,800 r 56,659 42,666 48,129 Average Daily Trading Corporate Bonds 44
45 Korporasi Rp Miliar/ Billions of Rp 1,354 1,570 1,566 1,410 1,987 2,339 2,214 1,448 2,924 1,932 r 2,401 r 1,953 r 1,941 r 1,388 1,846 r 3,017 1,915 1,792 Corporation 45
46 Rata-rata Frekuensi Transaksi Harian Kali/ Times 1,079 1,272 2,091 2,305 2,540 2,260 2,812 2,502 2,642 3,200 3,055 2,638 3,204 3,754 r 3,881 3,222 3,365 3,384 Average Frequency Daily Trading 46
47 Korporasi Kali/ Times 125 149 156 131 195 270 270 171 261 346 340 244 171 115 179 211 207 170 Corporation 47
48 Posisi Obligasi Rp Miliar/ Billions of Rp 2,777,208 3,197,840 4,296,467 4,952,319 5,738,094 5,542,548 5,574,917 5,591,925 5,738,094 5,761,798 5,861,761 5,919,292 5,948,989 5,838,169 5,878,534 5,906,548 5,915,678 5,866,948 Outstanding of Bonds 48
49 Korporasi Rp Miliar/ Billions of Rp 411,857 445,101 425,709 430,341 445,270 457,511 460,456 446,039 445,270 405,598 449,611 447,546 445,718 442,936 444,093 463,025 463,157 444,009 Corporation 49
50 Pertumbuhan Posisi Obligasi %, yoy 11.64 15.15 34.36 15.26 15.87 13.90 13.96 14.24 15.87 12.99 15.10 12.06 12.04 11.05 11.34 10.87 8.88 5.85 Growth of Bonds 50
51 Korporasi %, yoy 6.16 8.07 -4.36 1.09 3.47 8.41 8.90 4.73 3.47 -6.18 3.71 -0.46 -1.40 -2.33 1.05 5.74 2.75 -2.95 Corporation 51
52 REKSA DANA MUTUAL FUND 52
53 Jumlah Reksa Dana Produk/ Product 2,098 2,181 2,216 2,195 2,124 2,178 2,181 2,193 2,124 2,056 2,029 2,037 1,980 1,970 1,967 1,946 1,953 1,930 * Total Mutual Funds 53
54 Nilai Aktiva Bersih Rp Miliar/ Billions of Rp 505,390 542,196 573,542 577,335 504,306 530,646 519,074 512,166 504,306 510.459,97 509,453 507,747 497,002 504,692 508,063 516,415 517,708 513,570 * Net Asset Value 54
55 Jumlah Unit Penyertaan (UP) Beredar Ribu Unit/ Thousand of Unit 373,725,898 424,796,068 435,143,042 419,957,380 374,783,915 390,004,134 383,909,785 374,590,016 374,783,915 379,287,437 382,163,141 382,027,858 369,860,500 374,268,670 376,329,022 381,423,085 385,078,254 383,157,802 * Mutual Fund Units 55
56 Subscription Rp Miliar/ Billions of Rp 611,649 711,217 637,505 … 911,907 85,450 58,268 849,877 911,907 62,708 60,216 56,144 42,294 60,865 55,324 62,965 * … … Subscription 56
57 Redemption Rp Miliar/ Billions of Rp 540,156 656,327 602,144 … 990,242 92,834 72,716 92,806 990,242 58,792 62,549 62,543 46,780 54,205 55,093 58,759 * … … Redemption 57
Keterangan: Notes:
1)
Mulai 30 November 2021, Bursa Efek Indonesia telah memberlakukan perubahan atas metodologi 1)
As of November 30, 2021, Indonesia Stock Exchange changed to the methodology of PER from
PER dari PER Annualized menjadi PER trailing. PER Trailing menggunakan EPS trailing 12 bulan. Annualized PER to Trailing PER. The Trailing PER uses trailing 12 months of Earnings Per Share
Perubahan ini dapat berdampak perbedaan signifikan antara nilai PER per November 2021 terhadap (EPS). This change may imply a significant difference between PER value as of November 2021
nilai di bulan-bulan sebelumnya. and the previous month values.
Sumber: BEI dan OJK (diolah) Source: IDX and FSA (Processed)

TABEL 15. INDIKATOR UTANG SEKTOR PEMERINTAH PUSAT/
TABLE 15. INDICATORS OF CENTRAL GOVERNMENT DEBT
2022 2023
KOMPONEN SATUAN/UNIT 2018 2019 2020 2021 2022 COMPONENTS
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep
1 Utang Pemerintah Pusat terhadap PDB Harga Berlaku % 30.07 30.19 39.40 40.72 * 39.48 * 39.11 * - - 39.48 * - - 39.10 * - - 38.11 * - - … Government Debt to GDP at Current Price 1
2 Utang Luar Negeri Pemerintah Pusat terhadap Cadangan Devisa % 151.84 154.72 151.86 138.14 * 135.88 * 139.38 * 138.01 * 135.51 * 135.88 * 139.37 * 137.04 * 133.63 * 134.61 * 138.25 * 139.99 * 16,740.00 * 15,250.72 * … Government External Debt to Reserves Position 2
3 3
4 Komposisi Utang Pemerintah Composition of Government Debt 4
5 Residen % 40.58 41.86 52.16 58.65 62.41 62.58 62.62 62.16 62.41 62.44 62.73 63.12 63.76 62.90 63.00 62.89 62.91 63.04 Resident 5
6 Non Residen % 59.42 58.14 47.84 41.35 37.59 37.42 37.38 37.84 37.59 37.56 37.27 36.88 36.24 37.10 37.00 37.11 37.09 36.96 Non Resident 6
7 Pinjaman % 18.06 16.00 14.02 11.86 11.47 10.96 11.03 11.34 11.47 11.10 11.08 10.98 10.74 10.96 10.96 11.09 11.12 11.16 Loan 7
10 SBN % 81.94 84.00 85.98 88.14 88.53 89.04 88.97 88.66 88.53 88.90 88.92 89.02 89.26 89.04 89.04 88.91 88.88 88.84 Government Securities (SBN) 10
13 Refixing Rate 1) % 19.73 16.13 21.04 21.99 25.50 24.30 24.40 24.20 25.50 25.40 26.00 27.50 27.10 26.60 26.40 26.60 26.30 26.20 Refixing Rate 1) 13
14 Average Time to Maturity Tahun/ Year 8.36 8.52 8.47 8.60 8.27 8.49 8.43 8.39 8.27 8.23 8.17 8.14 8.13 8.24 8.15 8.15 8.12 8.16 Average Time to Maturity 14
15 15
16 Utang Pemerintah Rp Miliar/Billions of Rp 4,461,747 4,779,284 6,085,065 6,911,301 7,733,994 7,420,474 7,496,703 7,554,255 7,733,994 7,754,981 7,861,676 7,879,066 7,849,889 r 7,787,509 7,805,191 7,856,202 r 7,870,350 r 7,890,337 Government Debt 16
17 Pinjaman Loan Agreement 17
18 Berdasarkan Sumber Rp Miliar/Billions of Rp 805,617 764,480 852,910 819,448 887,100 812,994 826,571 856,422 887,100 860,620 871,440 865,482 842,856 853,261 855,092 871,001 875,167 880,341 By Source 18
19 Residen Rp Miliar/Billions of Rp 6,578 8,377 11,968 13,252 19,666 16,024 16,551 17,524 19,666 21,676 21,494 21,313 22,488 24,092 24,547 25,273 25,112 25,363 Resident 19
20 Non Residen Rp Miliar/Billions of Rp 799,039 756,103 840,942 806,197 867,434 796,969 810,021 838,898 867,434 838,944 849,946 844,168 820,369 829,169 830,545 845,728 850,054 854,978 Non Resident 20
21 Berdasarkan Denominasi Rp Miliar/Billions of Rp 805,617 764,480 852,910 819,448 887,100 812,994 826,571 856,422 887,100 860,620 871,440 865,482 842,856 853,261 855,092 871,001 875,167 880,341 By Denomination 21
22 Rupiah Rp Miliar/Billions of Rp 6,578 8,377 11,968 13,252 19,666 16,024 16,551 17,524 19,666 21,676 21,494 21,313 22,488 24,092 24,547 25,273 25,112 25,363 Rupiah 22
23 Valas Rp Miliar/Billions of Rp 799,039 756,103 840,942 806,197 867,434 796,969 810,021 838,898 867,434 838,944 849,946 844,168 820,369 829,169 830,545 845,728 850,054 854,978 Foreign Exchange 23
24 SBN Government Securities (SBN) 24
25 Berdasarkan Jenis, Denominasi dan Sumber Rp Miliar/Billions of Rp 3,656,130 4,014,804 5,232,155 6,091,852 6,846,894 6,607,481 6,670,131 6,697,832 6,846,894 6,894,360 6,990,236 7,013,584 7,007,033 6,934,248 6,950,099 6,985,202 6,995,183 7,009,995 By Type of Intrument, Denomination, and Source 25
26 SBN Rupiah Rp Miliar/Billions of Rp 2,601,634 2,961,287 4,036,121 4,822,869 5,452,364 5,242,326 5,271,948 5,297,815 5,452,364 5,519,270 5,599,331 5,658,770 5,698,370 5,594,918 5,632,897 5,663,461 5,663,939 5,662,193 Rupiah Government Securities 26
27 Residen Rp Miliar/Billions of Rp 1,708,383 1,899,429 3,062,213 3,931,528 4,690,178 4,512,068 4,558,715 4,560,885 4,690,178 4,707,380 4,795,014 4,840,239 4,875,680 4,765,561 4,786,008 4,808,270 4,817,639 4,839,192 Resident 27
28 Dapat Diperdagangkan Rp Miliar/Billions of Rp 1,475,200 1,690,883 2,896,849 3,787,637 4,547,244 4,371,357 4,417,803 4,425,532 4,547,244 4,564,146 4,632,376 4,677,601 4,714,047 4,606,468 4,611,938 4,641,618 4,658,906 4,681,402 Traded 28
29 Tidak Dapat Diperdagangkan Rp Miliar/Billions of Rp 233,183 208,546 165,365 143,892 142,934 140,711 140,911 135,352 142,934 143,234 162,638 162,638 161,633 159,094 174,070 166,652 158,732 157,790 Non Traded 29
30 Non Residen Rp Miliar/Billions of Rp 893,251 1,061,858 973,908 891,341 762,186 730,257 713,234 736,930 762,186 811,890 804,317 818,531 822,690 829,357 846,889 855,190 846,300 823,001 Non Resident 30
31 SUN Rp Miliar/Billions of Rp 2,168,007 2,431,965 3,310,782 3,949,230 4,441,122 4,254,152 4,278,263 4,301,163 4,441,122 4,480,311 4,534,265 4,584,397 4,593,392 4,536,890 4,545,755 4,569,469 4,576,427 4,602,049 Government Debt Securities (SUN) 31
36 SPN Rp Miliar/Billions of Rp 77,650 57,550 41,380 37,305 47,255 46,005 45,305 47,405 47,255 49,155 46,605 43,305 37,605 36,205 31,620 33,650 30,600 27,600 Treasury Bills (SPN) 36
38 Dapat Diperdagangkan Rp Miliar/Billions of Rp 70,577 50,191 39,988 36,872 42,148 43,487 43,755 44,908 42,148 41,637 43,848 40,561 35,140 32,278 27,661 29,723 27,628 25,200 Traded 38
39 Tidak Dapat Diperdagangkan Rp Miliar/Billions of Rp 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Non Traded 39
40 Non Residen Rp Miliar/Billions of Rp 7,073 7,359 1,392 433 5,107 2,518 1,550 2,497 5,107 7,518 2,757 2,744 2,465 3,927 3,959 3,927 2,972 2,400 Non Resident 40
41 Obligasi Negara Rp Miliar/Billions of Rp 2,090,357 2,374,415 3,269,402 3,911,925 4,393,867 4,208,147 4,232,958 4,253,758 4,393,867 4,431,156 4,487,660 4,541,092 4,555,787 4,500,685 4,514,135 4,535,819 4,545,827 4,574,449 Government Bond (ON) 41
46 SBSN Rp Miliar/Billions of Rp 433,627 529,321 725,340 873,639 1,011,242 988,174 993,686 996,652 1,011,242 1,038,959 1,065,066 1,074,373 1,104,978 1,058,028 1,087,142 1,093,992 1,087,513 1,060,144 Government Islamic Securitites (SBSN) 46
47 Residen Rp Miliar/Billions of Rp 414,583 500,877 707,852 856,938 987,205 968,646 974,974 974,423 987,205 1,008,076 1,037,857 1,046,443 1,079,352 1,041,379 1,069,514 1,077,608 1,071,004 1,043,913 Resident 47
48 Dapat Diperdagangkan Rp Miliar/Billions of Rp 373,940 457,089 669,074 825,271 956,151 942,234 948,362 953,369 956,151 976,722 1,006,504 1,015,089 1,047,999 1,010,026 1,023,183 1,031,228 1,026,124 998,921 Traded 48
50 Non Residen Rp Miliar/Billions of Rp 19,044 28,445 17,488 16,701 24,038 19,528 18,712 22,229 24,038 30,884 27,209 27,930 25,626 16,649 17,628 16,384 16,508 16,230 Non Resident 50
51 SBN Valas2) Rp Miliar/Billions of Rp 1,054,497 1,053,517 1,196,033 1,268,983 1,394,530 1,365,155 1,398,183 1,400,018 1,394,530 1,375,090 1,390,905 1,354,814 1,308,663 1,339,329 1,317,202 1,321,741 1,331,244 1,347,802 Foreign Currencies Denominated Government Securities 51
53 Non Residen Rp Miliar/Billions of Rp 959,093 960,519 1,096,069 1,160,556 1,277,871 1,249,399 1,279,143 1,282,561 1,277,871 1,261,919 1,276,116 1,243,079 1,201,988 1,230,452 1,210,783 1,214,460 1,223,031 1,238,000 Non Resident 53
54 54
55 Kepemilikan SBN Rupiah yang Diperdagangkan Rp Miliar/Billions of Rp 2,368,451 2,752,741 3,870,757 4,678,977 5,309,430 5,101,614 5,131,037 5,162,462 5,309,430 5,376,036 5,436,693 5,496,132 5,536,737 5,435,825 5,458,827 5,496,809 5,505,207 5,504,403 Ownerships of Traded Rupiah Government Bonds (SBN Rp) 55
57 Bank 3)
Rp Miliar/Billions of Rp 481,333 581,369 1,375,567 1,591,116 1,697,432 1,602,864 1,646,543 1,791,145 1,697,432 1,801,271 1,806,997 1,754,800 1,651,307 1,726,371 1,695,666 1,728,700 1,714,487 1,636,211 Bank 3)
57
58 Institusi Negara4) Rp Miliar/Billions of Rp 253,472 262,490 454,361 801,461 1,020,015 988,622 952,093 805,885 1,020,015 928,852 950,795 1,004,227 1,112,843 933,733 951,270 888,023 885,447 930,615 Government Institution 4) 58
59 Non-Bank Rp Miliar/Billions of Rp 740,396 847,024 1,066,921 1,395,060 1,829,797 1,779,872 1,819,167 1,828,502 1,829,797 1,834,023 1,874,584 1,918,574 1,949,897 1,946,364 1,965,003 2,024,896 2,058,972 2,114,576 Non-Bank 59
60 Reksadana Rp Miliar/Billions of Rp 118,633 130,863 161,321 157,933 145,824 156,119 152,740 146,996 145,824 148,267 159,820 165,045 166,951 168,472 173,087 178,819 180,526 182,043 Mutual Fund 60
61 Asuransi Rp Miliar/Billions of Rp 201,595 215,015 275,598 336,078 464,158 440,267 454,228 460,724 464,158 466,383 477,090 497,143 497,771 500,052 504,272 511,716 468,322 481,189 Insurance 61
62 Dana Pensiun Rp Miliar/Billions of Rp 212,879 256,655 267,219 319,164 408,868 403,403 408,174 409,625 408,868 406,463 417,482 429,619 432,100 434,347 441,852 459,596 518,109 528,975 Pension Fund 62
63 Sekuritas5) Rp Miliar/Billions of Rp 0 0 0 0 - - - - - - - - - - - - - - Securities Firms5) 63
64 Individu Rp Miliar/Billions of Rp 73,069 81,170 131,210 221,411 344,301 324,785 340,923 344,381 344,301 342,539 344,863 345,841 369,820 366,337 361,337 380,859 384,473 406,322 Individual 64
65 Lain-lain6) Rp Miliar/Billions of Rp 134,220 163,322 231,572 360,473 466,646 455,298 463,103 466,776 466,646 470,371 475,329 480,926 483,256 477,156 484,455 493,904 507,543 516,048 Others6) 65
66 Non Residen/ Asing Rp Miliar/Billions of Rp 893,251 1,061,858 973,908 891,341 762,186 730,257 713,234 736,930 762,186 811,890 804,317 818,531 822,690 829,357 846,889 855,190 846,300 823,001 Non Resident 66
67 67
68 Yield SBN Yield SBN 68
69 SUN Seri Benchmark7) Benchmark Series7) 69
70 5 Tahun8) % 7.76 6.36 5.18 5.06 6.15 6.65 7.14 6.31 6.15 6.31 6.52 6.34 6.16 6.00 5.89 6.05 6.13 6.52 5 Year8) 70
71 10 Tahun9) % 7.97 7.07 5.93 6.35 6.91 7.34 7.50 6.89 6.91 6.69 6.86 6.77 6.45 6.36 6.22 6.33 6.36 6.91 10 Year9) 71
72 15 Tahun10) % 8.17 7.54 6.37 6.22 6.74 7.19 7.53 6.89 6.74 6.87 7.11 6.96 6.77 6.57 6.45 6.46 6.48 7.00 15 Year10) 72
73 20 Tahun11) % 8.36 7.68 6.51 7.04 7.10 7.35 7.59 7.08 7.10 6.91 7.12 7.01 6.85 6.66 6.55 6.54 6.61 7.03 20 Year11) 73
Keterangan: Note:
- PDB yang digunakan dalam perhitungan rasio menggunakan PDB Harga Berlaku yang menggunakan Tahun Dasar -GDP as denominator is at current price with base year 2010. Forecast, preliminary, and fixed figures statement
2010. Penetapan angka sangat sementara, sementara, dan angka tetap, sesuai dengan publikasi BPS. refers to BPS publications
- Data SBN berdasarkan data BI-SSSS kecuali SBN Valas yang merupakan data hasil penerbitan di pasar perdana - Government Securities Data based on BI-SSSS (except for Foreign Currencies Denominated Government
(primary market). Securities published in primary market)
Refixing rate adalah porsi utang Pemerintah Pusat yang terekspos perubahan tingkat bunga dalam waktu setahun
1)
1)
Refixing rate is Central Government debt portion exposed to interest rates changes within the next year
mendatang.
2)
In December 2015, in order to pre-funding in 2016, the position in December 2015, including INDO26 and
2)
Posisi Desember 2015, termasuk INDO 26 dan INDO 46, dalam rangka pre funding 2016.
INDO 46
3)
Termasuk SBN yang digunakan dalam operasi moneter dengan Bank Indonesia. 3)
Including the government securities used in monetary operation with Bank Indonesia
4)
Angka net, tidak termasuk SBN yang digunakan dalam operasi moneter dengan Bank. 4)
net figures, excluding governement securities used in monetary operations with Banks
5)
Mulai Januari 2016, Angka Sekuritas dimasukkan ke dalam kelompok lain-lain. 5)
Starting from January 2016, Securities included in a group of others
6)
Lain-lain diantaranya Perusahaan Sekuritas, Korporasi dan Yayasan. 6)
Others such as Securities Company, Corporation, and Foundation
7)
Sumber dari rata-rata tengah kuotasi Dealer Utama. 7)
Source: Primary Dealers' quotations mid average
8)
SUN seri BencHmark tenor 5 tahun : 2012 = FR0060, 2013 = FR0066, 2014 dan 2015 8)
Bencmark series tenor 5 year : 2012 = FR0060, 2013 = FR0066, 2014 and 2015 = FR0069, 2016 = FR0053,
= FR0069, 2016 = FR0053, 2017 = FR0061, 2018 = FR0063, 2019 = FR0077, 2020 = 2017 = FR0061, 2018 = FR0063, 2019 = FR0077, 2020 = FR0081, 2021 = FR0086, 2022 = FR0090, 2023 =
FR0081, 2021 = FR0086, 2022 = FR0090, 2023 = FR0095 FR0095
9)
SUN seri BencHmark tenor 10 tahun : 2012 = FR0061, 2013 = FR0063, 2014 dan 2015 9)
= FR0070, 2016 = FR0056, 2017 = FR0059, 2018 = FR0064, 2019 = FR0078, 2020 = 2017 = FR0059, 2018 = FR0064, 2019 = FR0078, 2020 = FR0082, 2021 = FR0087, 2022 = FR0091, 2023 =
FR0082, 2021 = FR0087, 2022 = FR0091, 2023 = FR0096 FR0096
10)
SUN seri BencHmark tenor 15 tahun : 2012 = FR0059, 2013 = FR0064, 2014 dan 10)
2015 = FR0071, 2016 = FR0073, 2017 = FR0074, 2018 = FR0065, 2019 = FR0068, 2020 2017 = FR0074, 2018 = FR0065, 2019 = FR0068, 2020 = FR0080, 2021 = FR0088, 2022 = FR0093, 2023 =
= FR0080, 2021 = FR0088, 2022 = FR0093, 2023 = FR0098 FR0098
11)
SUN seri BencHmark tenor 20 tahun : 2012 = FR0058, 2013 = FR0065, 2014 dan
Bencmark series tenor 20 year : 2012 = FR0058, 2013 = FR0065, 2014 and 2015 = FR0068, 2016 and 2017 =
11)
2015 = FR0068, 2016 dan 2017 = FR0072, 2018 = FR0075, 2019 = FR0079, 2020 =
FR0072, 2018 = FR0075, 2019 = FR0079, 2020 = FR0083, 2021 = FR0083, 2022 = FR0092, 2023 = FR0097
FR0083, 2021 = FR0083, 2022 = FR0092, 2023 = FR0097
Sumber: BI, Kemenkeu, dan BPS (diolah) Source: BI, MoF and Statistics Indonesia (Processed)
TABEL 16.INDIKATOR SEKTOR KORPORASI/
TABLE 16. INDICATORS OF CORPORATE SECTOR
2019 2020 2021

KOMPONEN SATUAN/ UNIT 2018 2019 2020 COMPONENTS
Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
1 Jumlah Emiten Non Keuangan Perusahaan/ Company 522 574 557 574 615 586 594 610 615 619 632 Number of Listed Non Financial Corporation 1
2 Cakupan Emiten Non Keuangan dalam Perhitungan Rasio Kinerja 1)
Perusahaan/ Company 346 511 471 511 499 510 522 521 499 522 549 Number of Listed Non Financial Corporation for Performance Ratio Calculation 1)
2
3 NPL Korporasi Non Keuangan (Kredit dari Sektor Perbankan) 2)
% 2.59 2.82 2.79 2.82 3.68 2.98 3.37 3.59 3.68 3.70 3.81 NPL Non Financial Corporation 2) 3
4 4
5 RASIO KINERJA KEUANGAN FINANCIAL PERFORMANCE RATIO 5
6 SEKTOR PERTANIAN AGRICULTURE SECTOR 6
7 Rasio Solvabilitas Solvability Ratio 7
8 Debt to Equity Ratio (Total Kewajiban/Ekuitas) Kali/ Times 1.18 1.27 1.19 1.27 1.29 1.45 1.34 1.37 1.29 1.32 - Debt to Equity Ratio (Total Liabilities/Total Equity) 8
9 Debt To Asset Ratio (Total Kewajiban/ Total Aset) Kali/ Times 0.54 0.56 0.54 0.56 0.56 0.59 0.57 0.58 0.56 0.57 - Debt To Asset Ratio (Total Liabilities/Total Assets) 9
10 Rasio Likuiditas Kali/ Times Liquidity Ratio 10
11 Current Ratio (Aset Lancar/Kewajiban Lancar) Kali/ Times 1.04 0.83 0.87 0.83 1.01 0.84 0.89 0.94 1.01 1.04 - Current Ratio (Current Assets/Current Liabilities) 11
12 Quick Ratio ((Aset Lancar - Persediaan)/Kewajiban Lancar) Kali/ Times 0.69 0.52 0.56 0.52 0.72 0.55 0.62 0.65 0.72 0.71 - Quick Ratio ((Current Assets - Inventory)/Current Liabilities) 12
13 Turn Over Ratio Turn Over Ratio 13
14 Inventory Turn Over (Total Penjualan (Disetahunkan)/Persediaan) Kali/ Times 6.26 6.49 6.67 6.49 6.99 6.32 7.42 6.89 6.99 6.36 - Inventory Turn Over (Total Sales (Annualized)/Inventory) 14
15 Asset Turn Over (Total Penjualan (Disetahunkan)/Total Aset) Kali/ Times 0.53 0.53 0.51 0.53 0.54 0.51 0.53 0.53 0.54 0.55 - Asset Turn Over (Total Sales (Annualized)/Total Assets) 15
16 Rasio Profitabilitas Profitability Ratio 16
17 Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) % 0.99 -2.79 -0.99 -2.79 1.75 -4.49 -2.70 -2.33 1.75 3.12 - Return on Assets (Net Income (Annualized)/Average Assets) 17
18 Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) % 2.11 -6.21 -2.20 -6.21 4.14 -10.99 -6.45 -5.56 4.14 7.25 - Return on Equity (Net Income (Annualized)/Average Equity) 18
19 19
20 SEKTOR PERTAMBANGAN MINING SECTOR 20
24 Rasio Likuiditas Liquidity Ratio 24
31 Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) % 6.38 2.99 3.79 2.99 0.95 1.99 1.55 1.12 0.95 1.78 - Return on Assets (Net Income (Annualized)/Average Assets) 31
32 Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) % 14.82 7.11 8.85 7.11 2.20 4.89 3.69 2.63 2.20 3.80 - Return on Equity (Net Income (Annualized)/Average Equity) 32
33 33
34 SEKTOR INDUSTRI DASAR BASIC INDUSTRY SECTOR 34
47 47
48 SEKTOR ANEKA INDUSTRI MISCELLANEOUS INDUSTRY SECTOR 48
61 61
62 SEKTOR INDUSTRI BARANG KONSUMEN CONSUMER GOODS INDUSTRY SECTOR 62
75 75
76 SEKTOR PROPERTI PROPERTY SECTOR 76
87 Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) % 4.03 1.77 2.25 1.77 -2.43 0.94 0.70 -0.08 -2.43 -1.99 - Return on Assets (Net Income (Annualized)/Average Assets) 87
88 Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) % 8.84 3.78 4.83 3.78 -5.43 2.06 1.52 -0.17 -5.43 -4.69 - Return on Equity (Net Income (Annualized)/Average Equity) 88
89 89
90 SEKTOR INFRASTRUKTUR, UTILITI DAN TRANSPORTASI INFRASTRUCTURE, UTILITY AND TRANSPORTATION SECTOR 90
25
2019 2020 2021
Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
101 Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) % 2.27 3.31 2.77 3.31 -1.58 2.39 1.53 0.54 -1.58 -1.75 - Return on Assets (Net Income (Annualized)/Average Assets) 101
102 Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) % 6.08 8.85 7.46 8.85 -5.10 7.24 4.85 1.71 -5.10 -6.10 - Return on Equity (Net Income (Annualized)/Average Equity) 102
103 103
104 SEKTOR PERDAGANGAN TRADE SECTOR 104
117 117
25
2019 2020 2021
Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
118 DATA KINERJA KEUANGAN FINANCIAL PERFORMANCE DATA 118
119 SEKTOR PERTANIAN AGRICULTURE SECTOR 119
120 Aset Lancar Rp Miliar/ Billions of Rp 50,691 39,243 39,862 39,243 54,097 45,478 44,994 49,053 54,097 57,285 - Current Assets 120
121 Persediaan Rp Miliar/ Billions of Rp 17,081 15,023 14,253 15,023 15,693 15,654 13,751 15,101 15,693 18,120 - Inventory 121
122 Total Aset Rp Miliar/ Billions of Rp 200,148 183,462 185,033 183,462 202,251 194,752 191,868 194,581 202,251 210,959 - Total Assets 122
123 Rata-rata Aset Rp Miliar/ Billions of Rp 195,361 191,800 194,579 191,800 195,863 194,752 193,310 193,734 195,863 210,959 - Average Assets 123
124 Kewajiban Lancar Rp Miliar/ Billions of Rp 48,713 47,013 45,614 47,013 53,684 54,382 50,330 52,425 53,684 55,119 - Current Liabilities 124
125 Total Kewajiban Rp Miliar/ Billions of Rp 108,409 102,507 100,735 102,507 113,745 115,112 109,833 112,346 113,745 120,194 - Total Liabilities 125
126 Total Ekuitas Rp Miliar/ Billions of Rp 91,739 80,955 84,298 80,955 88,506 79,639 82,035 82,235 88,506 90,765 - Total Equity 126
127 Rata-rata Ekuitas Rp Miliar/ Billions of Rp 91,503 86,294 88,074 86,294 83,104 79,639 80,837 81,303 83,104 90,765 - Average Equity 127
128 Total Penjualan (Disetahunkan) Rp Miliar/ Billions of Rp 106,929 97,431 95,104 97,431 109,733 98,873 101,970 104,068 109,733 115,279 - Total Sales(Annualized) 128
129 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp 1,927 (5,355) -1,876 (5,355) 3,436 -8,749 -5,217 -4,522 3,436 6,578 - Net Income (Annualized) 129
130 130
131 SEKTOR PERTAMBANGAN MINING SECTOR 131
141 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp 38,540 20,217 25,758 20,217 6,562 15,507 11,356 8,003 6,562 11,603 - Net Income (Annualized) 141
142 142
143 SEKTOR INDUSTRI DASAR BASIC INDUSTRY SECTOR 143
154 154
155 SEKTOR ANEKA INDUSTRI IN MISCELLANEOUS INDUSTRY SECTOR 155
166 166
167 SEKTOR INDUSTRI BARANG KONSUMEN CONSUMER GOODS INDUSTRY SECTOR 167
178 178
179 SEKTOR PROPERTI PROPERTY SECTOR 179
189 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp 30,775 14,853 18,919 14,853 (20,835) 8,259 6,125 -672 -20,835 -16,640 - Net Income (Annualized) 189
190 190
191 SEKTOR INFRASTRUKTUR, UTILITI DAN TRANSPORTASI INFRASTRUCTURE, UTILITY AND TRANSPORTATION SECTOR 191
194 Total Aset Rp Miliar/ Billions of Rp 815,104 870,270 847,324 870,270 1,036,913 1,048,633 1,028,942 984,115 1,036,913 1,067,413 - Total Assets 194
195 Rata-rata Aset Rp Miliar/ Billions of Rp 808,071 848,225 840,876 848,225 1,024,651 1,048,633 1,038,788 1,020,563 1,024,651 1,067,413 - Average Assets 195
201 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp 18,376 28,093 23,285 28,093 (16,193) 25,073 15,924 5,533 (16,193) -18,708 - Net Income (Annualized) 201
202 202
203 SEKTOR PERDAGANGAN TRADE SECTOR 203
214 214
215 INDIKATOR HASIL SURVEI 3) INDICATORS OF SURVEY RESULTS 3) 215
216 Prompt Manufacturing Index (PMI) Indeks/ Index 52.58 51.50 52.04 51.50 47.29 45.64 28.55 44.91 47.29 50.01 51.45 Prompt Manufacturing Index (PMI) 216
25
2019 2020 2021
Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
217 Kondisi Likuiditas SB/ NB, qtq, % 30.59 24.17 25.47 24.17 8.59 14.94 -18.13 -2.82 8.59 8.01 9.59 Likuidity 217
218 Kondisi Rentabilitas SB/ NB, qtq, % 28.53 23.24 23.41 23.24 5.66 11.53 -25.56 -6.34 5.66 4.58 7.71 Profitability 218
219 Kapasitas Produksi Terpakai % 75.18 74.41 75.42 74.41 71.96 74.09 69.28 71.77 71.96 73.38 75.33 Production Capacity Utilisation 219
220 Perkembangan Realisasi Kegiatan Usaha SBT/ WNB, qtq, % 6.19 7.79 13.39 7.79 -3.90 -5.56 -35.75 -5.97 -3.90 4.50 18.98 Business Activity at Current Period 220
221 Perkiraan Kegiatan Usaha Triwulan Mendatang SBT/ WNB, qtq, % 9.35 10.70 21.42 10.70 7.68 2.13 0.52 2.21 7.68 18.98 9.77 Business Activity Expectations for the Next Quarter 221
Keterangan: Note:
- Pengelompokkan sektorisasi mengacu pada klasifikasi JASICA. - Sectoral grouping refers to the JASICA classification
- Perhitungan indikator kinerja keuangan dilakukan secara agregasi terhadap seluruh emiten saham non Keuangan di BEI - An aggregate calculation from entire non financial companies listed in IDX in the reporting
pada periode bersangkutan. Data periode terkini merupakan data sementara dan non audited, kecuali data periode Q4 yang period. The current data is preliminary figure (non audited), except for data in Q4 which is final
bersifat final dan audited. and audited.
- Data Penjualan dan Pendapatan Bersih pada data kinerja keuangan Tw I s.d Tw III disetahunkan (annualized). - Sales and Net Income are annualized
- Net Balance= % of 'increasing' responses - % of 'decreasing' responses. If x>0, means that

- SB : Saldo Bersih = % Jawaban Meningkat - % Jawaban Menurun. Jika X > 0, artinya kegiatan usaha meningkat
business activities increase compared to those previous quarter, x,0 means that business activities
dibanding periode sebelumnya, X < 0 kegiatan usaha menurun, X = 0 sama
decrease, and x=0 means that business activity remain stable
- SBT: Saldo Bersih Tertimbang = ∑ Saldo Bersih x Bobot. Bobot dihitung dari pangsa sektor dalam PDB tahun dasar
- Weighted Net Balance = sum of net balance x weight (calculated based on sector segment in GDP)
2000.
1)
Jumlah emiten yang diperhitungkan merupakan jumlah perusahaan yang sudah melaporkan laporan keuangan secara 1)
Listed companies which have submitted financial statements to IDX during SSKI preparation
lengkap pada IDX saat periode penyusunan. period
2)
Kredit perbankan kepada korporasi non keuangan baik go public maupun non go public. 2)
Banking loans to non financial corporations (listed and non listed companies)
- Indikator ini merupakan hasil Survei Kegiatan Dunia Usaha (SKDU) yang dilakukan oleh Bank Indonesia yang
3) 3)
- Based on Business Activity Survey conducted by Bank Indonesia and covered all economic
mencakup seluruh sektor ekonomi. sectors
- PMI only consist of manufaturing industry sector while calculation of production capacity
- Untuk indikator PMI hanya mencakup industri pengolahan sedangkan kapasitas produksi terpakai mencakup Pertanian,
utilisations covered Agriculture sector, mining and quarrying sector, manufacturing industry
Pertambangan dan Penggalian, Industri Pengolahan, Listrik, Gas & Air Bersih.
sector, and electricity, gas, and water supply sector
- Updating dilakukan selama 4 (empat) triwulan kebelakang - Updating is carried out for the last 4 quarters
Sumber: BI, BEI dan Bloomberg (diolah) Source: BI, IDX and Bloomberg (Processed)
25
TABEL 16a.INDIKATOR SEKTOR KORPORASI/
TABLE 16a. INDICATORS OF CORPORATE SECTOR
2021 2022* 2023**

KOMPONEN SATUAN/ UNIT 2018 2019 2020 2021 2022* COMPONENTS
Q3 Q4 Q1 Q2 Q3* Q4* Q1** Q2**
1 Jumlah Emiten Non Keuangan Perusahaan/ Company 522 574 615 657 644 657 715 670 678 699 715 743 758 Number of Listed Non Financial Corporation 1
2
Cakupan Emiten Non Keuangan dalam Perhitungan Rasio Kinerja 1)
Perusahaan/ Company 346 511 499 278 552 278 648 602 606 633 648 634 432 Number of Listed Non Financial Corporation for Performance Ratio Calculation 1)
2
3 NPL Korporasi Non Keuangan (Kredit dari Sektor Perbankan) 2)
% 2.59 2.82 3.68 3.66 3.78 3.66 2.81 3.62 3.31 3.23 2.81 2.78 2.59 NPL Non Financial Corporation 2) 3
4 4
5 RASIO KINERJA KEUANGAN FINANCIAL PERFORMANCE RATIO 5
6 SEKTOR ENERGI ENERGY SECTOR 6
8
Debt to Equity Ratio (Total Kewajiban/Ekuitas) Kali/Times - - - 1.23 1.28 1.23 1.00 1.20 1.22 1.10 1.00 0.88 0.86 Debt to Equity Ratio (Total Liabilities/Total Equity)
8
9
Debt To Asset Ratio (Total Kewajiban/ Total Aset) Kali/Times - - - 0.55 0.56 0.55 0.50 0.54 0.55 0.52 0.50 0.47 0.46 Debt To Asset Ratio (Total Liabilities/Total Assets)
9
11
Current Ratio (Aset Lancar/Kewajiban Lancar) Kali/Times - - - 1.61 1.55 1.61 1.64 1.49 1.45 1.60 1.64 1.88 1.69 Current Ratio (Current Assets/Current Liabilities)
11
12
Quick Ratio ((Aset Lancar - Persediaan)/Kewajiban Lancar) Kali/Times - - - 1.50 1.43 1.50 1.51 1.39 1.34 1.49 1.51 1.74 1.55 Quick Ratio ((Current Assets - Inventory)/Current Liabilities)
12
14
Inventory Turn Over (Total Penjualan (Disetahunkan)/Persediaan) Kali/Times - - - 23.05 20.96 23.05 25.20 24.53 23.28 25.75 25.20 29.16 26.53 Inventory Turn Over (Total Sales (Annualized)/Inventory)
14
15
Asset Turn Over (Total Penjualan (Disetahunkan)/Total Aset) Kali/Times - - - 0.58 0.52 0.58 0.79 0.61 0.66 0.74 0.79 0.87 0.87 Asset Turn Over (Total Sales (Annualized)/Total Assets)
15
17
Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) - - - 8.68 4.72 8.68 18.12 10.44 14.13 17.26 18.12 17.78 15.53 Return on Assets (Net Income (Annualized)/Average Assets)
17 %
18
Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) - - - 19.74 10.86 19.74 38.41 22.93 31.17 37.40 38.41 33.38 29.02 Return on Equity (Net Income (Annualized)/Average Equity)
18 %
19 19
20 SEKTOR BARANG BAKU BASIC MATERIALS SECTOR 20
22
22
23
23
25
25
26
26
28
28
29
29
31
31 %
32
32 %
33 33
34 SEKTOR PERINDUSTRIAN INDUSTRIAL SECTOR 34
36
36
37
37
39
39
40
40
42
42
43
43
45
45 %
46
46 %
47 47
48 SEKTOR SEKTOR BARANG KONSUMEN PRIMER CONSUMER NON-CYCLICALS SECTOR 48
50
50
51
51
53
53
54
54
56
Inventory Turn Over (Total Penjualan (Disetahunkan)/Persediaan) Kali/Times - - - 5.69 r 5.38 r 5.69 r 5.17 5.17 r 5.35 r 5.21 5.17 5.23 5.58
56 Inventory Turn Over (Total Sales (Annualized)/Inventory)
57 Asset Turn Over (Total Penjualan (Disetahunkan)/Total Aset) Kali/Times - - - 1.02 0.99 1.02 1.02 1.01 1.09 1.01 1.02 1.00 1.10 Asset Turn Over (Total Sales (Annualized)/Total Assets) 57
59 Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) % - - - 6.85 6.73 6.85 6.08 6.77 6.55 6.37 6.08 6.10 6.02 Return on Assets (Net Income (Annualized)/Average Assets) 59
60
60 %
61 61
62 SEKTOR BARANG KONSUMEN NON-PRIMER CONSUMER CYCLICALS SECTOR 62
64
64
65
65
67
67
68
68
70
70
71
71
73
Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) - - - -0.58 1.42 -0.58 1.62 1.55 2.10 2.52 1.62 1.70 1.40 Return on Assets (Net Income (Annualized)/Average Assets)
73 %
74
Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) - - - -1.32 3.17 -1.32 3.91 3.67 4.99 6.04 3.91 4.05 3.22 Return on Equity (Net Income (Annualized)/Average Equity)
74 %
75 75
76 SEKTOR KESEHATAN HEALTHCARE SECTOR 76
78
78
79
79
81
81
82
82
84
84
85
85
87
87 %
88
88 %
89 89
90 SEKTOR PROPERTI & REAL ESTATE PROPERTIES & REAL ESTATE SECTOR 90
92
92
93
93
95
95
96
96
98
98
99
99
25
101
Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) - - - 0.75 -1.18 0.75 2.12 1.33 1.60 2.06 2.12 2.89 2.85 Return on Assets (Net Income (Annualized)/Average Assets)
101 %
102
Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) - - - 1.42 -2.23 1.42 3.89 2.46 2.96 3.79 3.89 5.19 5.14 Return on Equity (Net Income (Annualized)/Average Equity)
102 %
103 103
104 SEKTOR SEKTOR TEKNOLOGI TECHNOLOGY SECTOR 104
106
106
107
107
109
109
110
110
112
112
113
113
115
Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) - - - 2.88 3.61 2.88 -13.20 21.41 -5.53 -6.49 -13.20 -18.19 -14.07 Return on Assets (Net Income (Annualized)/Average Assets)
115 %
116
Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) - - - 3.82 4.81 3.82 -15.64 26.60 -6.57 -7.68 -15.64 -21.85 -16.94 Return on Equity (Net Income (Annualized)/Average Equity)
116 %
117 117
118 SEKTOR INFRASTRUKTUR INFRASTRUCTURES SECTOR 118
120
120
121
121
123
123
124
124
126
126
127
127
129
129 %
130
130 %
131 131
132 SEKTOR TRANSPORTASI & LOGISTIK TRANSPORTATION & LOGISTIC SECTOR 132
134
Debt to Equity Ratio (Total Kewajiban/Ekuitas) Kali/Times - - - -5.57 -5.36 -5.57 -38.11 -2.89 -7.42 -8.80 -38.11 -46.20 -35.73 Debt to Equity Ratio (Total Liabilities/Total Equity)
134
135
Debt To Asset Ratio (Total Kewajiban/ Total Aset) Kali/Times - - - 1.22 r 1.23 r 1.22 r 1.03 1.53 r 1.16 r 1.13 1.03 1.02 1.03 Debt To Asset Ratio (Total Liabilities/Total Assets)
135
137
137
138
138
140
Kali/Times - - - 28.08 26.75 28.08 42.77 32.52 33.51 40.92 42.77 39.95 45.05 Inventory Turn Over (Total Sales (Annualized)/Inventory)
140 Inventory Turn Over (Total Penjualan (Disetahunkan)/Persediaan)
141
Kali/Times - - - 0.24 0.23 0.24 0.48 0.33 0.41 0.46 0.48 0.52 0.54 Asset Turn Over (Total Sales (Annualized)/Total Assets)
141 Asset Turn Over (Total Penjualan (Disetahunkan)/Total Aset)
143
Return on Assets (Pendapatan Bersih (Disetahunkan)/Rata-rata Aset) - - - -24.72 -25.01 -24.72 41.50 -37.92 6.94 14.70 41.50 42.02 1.63 Return on Assets (Net Income (Annualized)/Average Assets)
143 %
144
Return on Equity (Pendapatan Bersih (Disetahunkan)/Rata-rata Ekuitas) - - - 122.06 128.54 122.06 -196.30 71.56 -19.84 -53.19 -196.30 -1899.22 -63.88 Return on Equity (Net Income (Annualized)/Average Equity)
144 %
145 145
146 DATA KINERJA KEUANGAN FINANCIAL PERFORMANCE DATA 146
147 SEKTOR ENERGI ENERGY SECTOR 147
148 Aset Lancar Rp Miliar/ Billions of Rp - - - 279,359 243,598 279,359 432,004 322,448 356,151 405,025 432,004 417,252 378,729 Current Assets 148
149 Persediaan Rp Miliar/ Billions of Rp - - - 19,344 18,412 19,344 32,923 21,175 27,139 29,287 32,923 30,856 32,423 Inventory 149
150 Total Aset Rp Miliar/ Billions of Rp - - - 767,300 735,341 767,300 1,051,365 856,458 952,274 1,017,966 1,051,365 1,028,965 991,768 Total Assets 150
151 Rata-rata Aset Rp Miliar/ Billions of Rp - - - 737,029 721,894 737,029 969,516 856,458 904,366 942,233 969,516 1,028,965 1,010,367 Average Assets 151
152 Kewajiban Lancar Rp Miliar/ Billions of Rp - - - 173,490 157,400 173,490 263,421 216,970 245,050 252,418 263,421 221,901 223,971 Current Liabilities 152
153 Total Kewajiban Rp Miliar/ Billions of Rp - - - 422,574 412,180 422,574 526,048 466,436 522,505 533,477 526,048 480,953 458,814 Total Liabilities 153
154 Total Ekuitas Rp Miliar/ Billions of Rp - - - 344,726 323,161 344,726 525,317 390,022 429,769 484,490 525,317 548,012 532,954 Total Equity 154
155 Rata-rata Ekuitas Rp Miliar/ Billions of Rp - - - 323,990 313,622 323,990 457,399 390,022 409,896 434,760 457,399 548,012 540,483 Average Equity 155
156 Total Penjualan (Disetahunkan) Rp Miliar/ Billions of Rp - - - 445,923 385,977 445,923 829,830 519,339 631,668 754,151 829,830 899,668 860,131 Total Sales(Annualized) 156
157 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp - - - 63,968 34,073 63,968 175,665 89,422 127,778 162,604 175,665 182,919 156,873 Net Income (Annualized) 157
158 158
159 SEKTOR BARANG BAKU BASIC MATERIALS SECTOR 159
162 Total Aset Rp Miliar/ Billions of Rp - - - 890,486 865,527 890,486 1,004,731 928,080 969,264 985,588 1,004,731 992,962 1,019,127 Total Assets 162
163 Rata-rata Aset Rp Miliar/ Billions of Rp - - - 854,717 836,832 854,717 971,916 928,080 948,672 960,977 971,916 992,962 1,006,045 Average Assets 163
170 170
171 SEKTOR PERINDUSTRIAN INDUSTRIAL SECTOR 171
174 Total Aset Rp Miliar/ Billions of Rp - - - 180,051 172,740 180,051 240,555 189,755 200,844 238,245 240,555 221,043 204,795 Total Assets 174
175 Rata-rata Aset Rp Miliar/ Billions of Rp - - - 173,781 170,646 173,781 217,350 189,755 195,299 209,615 217,350 221,043 212,919 Average Assets 175
182 182
183 SEKTOR BARANG KONSUMEN PRIMER CONSUMER NON-CYCLICALS SECTOR 183
186 Total Aset Rp Miliar/ Billions of Rp - - - 991,398 936,853 991,398 1,035,577 1,034,833 997,828 1,022,130 1,035,577 1,063,164 1,026,621 Total Assets 186
187 Rata-rata Aset Rp Miliar/ Billions of Rp - - - 950,884 930,627 950,884 1,022,592 1,034,833 1,016,330 1,018,264 1,022,592 1,063,164 1,044,893 Average Assets 187
192 Total Penjualan (Disetahunkan) Rp Miliar/ Billions of Rp - - - 1,011,686 926,955 1,011,686 1,052,656 1,047,044 1,084,483 1,034,082 1,052,656 1,062,527 1,129,044 Total Sales(Annualized) 192
194 194
195 SEKTOR BARANG KONSUMEN NON-PRIMER CONSUMER CYCLICALS SECTOR 195
205 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp - - - (2,532) 6,177 -2532 7,254 7,037 9585 11367 7254 7,870 6,350 Net Income (Annualized) 205
206 206
207 SEKTOR KESEHATAN HEALTHCARE SECTOR 207
218 218
219 SEKTOR PROPERTI & REAL ESTATE PROPERTIES & REAL ESTATE SECTOR 219
229 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp - - - 4,044 -6,391 4,044 11,624 7,299 8,785 11,293 11,624 15,783 15,346 Net Income (Annualized) 229
230 230
231 SEKTOR TEKNOLOGI TECHNOLOGY SECTOR 231
25
241 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp - - - 2,240 2,633 2,240 (29,946) 25,369 (10,823) (14,229) (29,946) (47,416) (36,323) Net Income (Annualized) 241
242 242
243 SEKTOR INFRASTRUKTUR INFRASTRUCTURES SECTOR 243
246 Total Aset Rp Miliar/ Billions of Rp - - - 1,073,942 1,055,311 1,073,942 1,241,456 1,191,208 1,194,382 1,216,359 1,241,456 1,288,601 1,264,138 Total Assets 246
247 Rata-rata Aset Rp Miliar/ Billions of Rp - - - 1,057,103 1,048,683 1,057,103 1,210,851 1,191,208 1,192,795 1,200,650 1,210,851 1,288,601 1,276,370 Average Assets 247
254 254
255 SEKTOR TRANSPORTASI & LOGISTIK TRANSPORTATION & LOGISTIC SECTOR 255
262 Total Ekuitas Rp Miliar/ Billions of Rp - - - (38,387) -39,746 -38,387 (4,017) -77,720 -21,220 -17,920 -4,017 -3,267 -4,291 Total Equity 262
263 Rata-rata Ekuitas Rp Miliar/ Billions of Rp - - - (36,051) -34,883 -36,051 (30,219) -77,720 -49,470 -38,953 -30,219 -3,267 -3,779 Average Equity 263
265 Pendapatan Bersih (Disetahunkan) Rp Miliar/ Billions of Rp - - - (44,004) -44,839 -44,004 59,322 -55,614 9,815 20,720 59,322 62,042 2,414 Net Income (Annualized) 265
266 266
INDIKATOR HASIL SURVEI 3) INDICATORS OF SURVEY RESULTS 3) 267
267
268 Prompt Manufacturing Index (PMI) Indeks/ Index 52.58 51.50 47.29 50.17 48.75 50.17 50.06 51.77 53.61 53.71 50.06 50.75 52.39 Prompt Manufacturing Index (PMI) 268
269 Kondisi Likuiditas SB/ NB, qtq, % 30.59 24.17 8.59 15.74 3.54 15.74 21.52 17.28 20.46 19.64 21.52 20.43 24.28 Liquidity 269
270 Kondisi Rentabilitas SB/ NB, qtq, % 28.53 23.24 5.66 14.78 1.49 14.78 19.43 14.68 18.80 16.40 19.43 17.32 21.22 Profitability 270
271 Kapasitas Produksi Terpakai % 75.18 74.41 71.96 72.60 73.30 72.60 71.49 73.08 73.22 73.67 71.49 72.33 74.88 Production Capacity Utilization 271
272 Perkembangan Realisasi Kegiatan Usaha SBT/ WNB, qtq, % 6.19 7.79 -3.90 7.10 7.58 7.10 10.71 8.71 14.13 13.89 10.71 11.05 16.62 Business Activity at Current Period 272
273 Perkiraan Kegiatan Usaha Triwulan Mendatang SBT/ WNB, qtq, % 9.35 10.70 7.68 9.39 7.46 9.39 13.66 23.24 13.75 12.63 13.66 21.44 15.42 Business Activity Expectations for the Next Quarter 273
Keterangan: Note:
-- Pengelompokkan sektorisasi
Perhitungan indikator kinerja mengacu
keuanganpada klasifikasi
dilakukan IDX-IC.
secara agregasi terhadap seluruh emiten saham non Keuangan di -- Sectoral grouping
An aggregate refers to
calculation the entire
from IDX-IC classification
non financial companies listed in IDX in the reporting
BEI pada periode bersangkutan. Data periode terkini merupakan data sementara dan non audited, kecuali data periode period. The current data is preliminary figure (non audited), except for data in Q4 which is final
Q4 yang bersifat final dan audited. and audited.
- Data Penjualan dan Pendapatan Bersih pada data kinerja keuangan Tw I s.d Tw III disetahunkan (annualized). - Sales and Net Income are annualized
- Net Balance= % of 'increasing' responses - % of 'decreasing' responses. If x>0, means that
- SB : Saldo Bersih = % Jawaban Meningkat - % Jawaban Menurun. Jika X > 0, artinya kegiatan usaha meningkat
business activities increase compared to those previous quarter, x,0 means that business activities
dibanding periode sebelumnya, X < 0 kegiatan usaha menurun, X = 0 sama
decrease, and x=0 means that business activity remain stable
1)
Kredit perbankan kepada korporasi non keuangan baik go public maupun non go public. 2)
Banking loans to non financial corporations (listed and non listed companies)
2)
- Indikator ini merupakan hasil Survei Kegiatan Dunia Usaha (SKDU) yang dilakukan oleh Bank Indonesia yang 3)
- Based on Business Activity Survey conducted by Bank Indonesia and covered all economic
mencakup seluruh sektor ekonomi. sectors
- PMI only consist of manufaturing industry sector while calculation of production capacity
- Untuk indikator PMI hanya mencakup industri pengolahan sedangkan kapasitas produksi terpakai mencakup
utilisations covered Agriculture sector, mining and quarrying sector, manufacturing industry
Pertanian, Pertambangan dan Penggalian, Industri Pengolahan, Listrik, Gas & Air Bersih.
sector, and electricity, gas, and water supply sector
- Updating dilakukan selama 4 (empat) triwulan kebelakang - Updating is carried out for the last 4 quarters
Sumber: BI, BEI dan Bloomberg (diolah) Source: BI, IDX and Bloomberg (Processed)
25
TABEL 17. INDIKATOR PENUNJANG SEKTOR RUMAH TANGGA/
TABLE 17. INDICATORS OF HOUSEHOLD SUPPORT SECTOR
2022 2023
1 NPL Pembiayaan Sektor Rumah Tangga 1) NPL Financing Households Sector1) 1
2 a.l.: o.w.: 2
3 NPL Kredit yang Diberikan dari Perbankan % 1.59 1.68 1.87 1.77 1.63 1.80 1.74 1.76 1.73 1.63 1.75 1.77 1.75 1.87 1.93 1.87 1.94 1.93 * NPL of Loans from Banks 3
4 NPL Kredit KPR Rumah Tangga % 2.42 2.62 2.65 2.31 2.11 2.28 2.23 2.26 2.24 2.11 2.29 2.33 2.27 2.49 2.57 2.60 2.66 2.66 * NPL of Mortgage Loans for Households 4
5 NPL Kredit Kendaraan Bermotor % 1.37 1.36 2.05 1.99 1.51 1.83 1.66 1.72 1.63 1.51 1.54 1.56 1.65 1.73 1.80 1.91 2.02 1.99 * NPL of Auto Loans 5
6 NPL Kredit Multiguna % 0.94 0.97 1.19 1.27 1.32 1.41 1.40 1.42 1.39 1.32 1.39 1.41 1.40 1.45 1.50 1.32 1.39 1.35 * NPL of Nonpurpose Loans 6
7 NPL Kredit Peralatan Rumah Tangga % 1.67 1.32 2.19 1.73 1.29 1.76 1.52 1.50 1.40 1.29 1.36 1.37 1.36 1.40 1.42 1.35 1.41 1.38 * NPL of Home Appliance Loans 7
8 NPL Kredit Rumah Tangga Lainnya % 1.23 1.13 1.32 1.22 0.90 1.14 1.03 0.97 0.97 0.90 0.93 0.94 0.93 0.94 0.96 0.95 0.99 0.98 * NPL of Other Households Credit 8
9 NPL Kartu Kredit Perbankan untuk Rumah Tangga % 2.52 2.09 2.85 2.43 1.62 1.73 1.67 1.69 1.65 1.62 1.65 1.64 1.63 1.63 1.64 1.66 1.67 1.68 * NPL of Credit Card for Household 9
10 NPF Pembiayaan Konsumen dari Perusahaan Pembiayaan % 2.14 1.86 3.18 3.16 1.76 1.92 1.86 1.85 1.87 1.76 1.78 1.82 1.83 1.91 2.11 2.17 … … NPF of Consumer Financing from Financing Institutions 10
11 Pertumbuhan Kredit Rumah Tangga dari Perbankan % yoy 12.32 6.59 0.07 4.89 10.09 8.47 9.54 9.17 9.55 10.09 9.28 9.42 9.15 8.65 9.82 9.30 9.45 9.51 * Growth of Households Loans from Banks 11
12 Kredit KPR Rumah Tangga % yoy 12.67 7.32 2.82 9.13 7.55 7.38 7.49 7.54 7.79 7.55 7.38 7.46 6.97 6.49 7.34 10.13 10.29 12.28 * Mortgage Loans for Households 12
13 Kredit Kendaraan Bermotor % yoy 12.80 -0.04 -24.66 -6.31 17.01 13.16 23.39 16.23 16.46 17.01 14.91 14.89 15.43 16.27 18.14 17.48 16.07 14.72 * Vehicle Loans 13
14 Kredit Multiguna % yoy 14.76 9.16 4.50 3.28 8.76 7.99 8.29 7.97 8.11 8.76 6.81 7.50 6.05 5.04 5.83 2.63 3.09 1.60 * Multipurpose Loans 14
15 Kredit Peralatan Rumah Tangga % yoy 45.89 11.62 -9.47 6.06 19.54 14.89 16.19 17.02 18.28 19.54 17.02 18.44 19.19 18.02 22.15 22.36 22.17 24.78 * Home Appliance Loans 15
16 Kredit Rumah Tangga Lainnya % yoy -10.45 -7.47 -8.59 2.09 40.03 16.38 20.53 27.29 31.79 40.03 49.70 40.69 59.62 63.12 72.14 63.83 59.98 57.65 * Other Household Loans 16
17 Komposisi Kredit Rumah Tangga dari Perbankan Composition of Households Loans from Banks 17
18 Kredit KPR Rumah Tangga % 39.64 39.91 41.01 42.67 41.69 41.88 41.64 41.90 41.85 41.69 41.79 41.78 41.75 41.77 41.82 41.98 42.10 42.94 * Mortgage Loans for Households 18
19 Kredit Kendaraan Bermotor % 11.35 10.64 8.01 7.16 7.61 7.46 7.98 7.52 7.61 7.61 7.71 7.71 7.73 7.91 7.92 7.96 7.90 7.82 * Auto Loans 19
20 Kredit Multiguna % 43.41 44.46 46.43 45.72 45.16 45.87 45.47 45.39 45.17 45.16 44.79 44.67 44.52 44.23 44.01 43.65 43.46 42.56 * Multipurpose Loans 20
21 Kredit Peralatan Rumah Tangga % 0.68 0.71 0.64 0.65 0.70 0.68 0.68 0.69 0.70 0.70 0.71 0.72 0.72 0.73 0.74 0.75 0.76 0.78 * Home Appliance Loans 21
22 Kredit Rumah Tangga Lainnya % 4.93 4.28 3.91 3.81 4.84 4.10 4.23 4.50 4.67 4.84 5.00 5.14 5.28 5.37 5.50 5.65 5.79 5.90 * Other Household Loans 22
23 Rata-rata DPK Rumah Tangga per Rekening di Perbankan Rp Juta/ Millions of Rp 10.03 10.29 9.70 8.85 7.67 7.49 7.57 7.46 7.73 7.67 7.51 7.21 7.45 7.55 7.45 7.45 7.37 7.34 Average Third Party Funds of Households per Account at Banks 23
24 Giro Rp Juta/ Millions of Rp 30.33 62.56 67.32 77.64 110.20 97.39 101.17 122.56 102.52 110.20 98.46 105.84 99.92 98.01 86.72 94.78 89.03 90.94 Demand Deposit 24
25 Tabungan Rp Juta/ Millions of Rp 5.67 5.79 5.50 5.32 4.75 4.69 4.71 4.59 4.80 4.75 4.63 4.40 4.56 4.66 4.60 4.61 4.55 4.49 Saving 25
26 Deposito Rp Juta/ Millions of Rp 301.97 300.40 303.01 281.04 268.36 255.69 260.74 259.77 266.14 268.36 265.65 267.94 264.59 261.41 260.50 260.18 261.45 264.63 Time Deposit 26
27 Kredit Rumah Tangga dari Perbankan Rp Miliar/ Billions of Rp 1,237,818 1,319,340 1,320,209 1,384,705 1,524,479 1,462,032 1,486,172 1,490,832 1,505,247 1,524,479 1,522,334 1,531,981 1,546,488 1,551,772 1,563,550 1,574,032 1,586,017 1,601,048 * Households Loans from Banks 27
28 Kredit KPR Rumah Tangga Rp Miliar/ Billions of Rp 490,657 526,591 541,433 590,875 635,508 612,324 618,889 624,686 630,014 635,508 636,194 640,036 645,584 648,191 653,856 660,841 667,640 687,530 * Mortgage Loans for Households 28
29 Kredit Kendaraan Bermotor Rp Miliar/ Billions of Rp 140,449 140,399 105,772 99,102 115,955 109,129 118,523 112,084 114,493 115,955 117,299 118,041 119,561 122,669 123,894 125,262 125,331 125,195 * Auto Loans 29
30 Kredit Multiguna Rp Miliar/ Billions of Rp 537,299 586,522 612,911 633,043 688,478 670,686 675,802 676,696 679,936 688,478 681,925 684,263 688,525 686,330 688,178 687,114 689,219 681,420 * Multipurpose Loans 30
31 Kredit Peralatan Rumah Tangga Rp Miliar/ Billions of Rp 8,370 9,342 8,457 8,970 10,722 9,980 10,153 10,284 10,492 10,722 10,785 10,961 11,196 11,253 11,578 11,841 12,027 12,453 * Home Appliance Loans 31
32 Kredit Rumah Tangga Lainnya Rp Miliar/ Billions of Rp 61,043 56,486 51,636 52,714 73,816 59,913 62,804 67,081 70,313 73,816 76,131 78,679 81,621 83,329 86,044 88,974 91,801 94,451 * Other Household Loans 32
33 33
34 DPK Rumah Tangga di Perbankan Rp Miliar/ Billions of Rp 3,043,048 3,259,420 3,599,334 3,766,084 3,847,057 3,661,476 3,694,925 3,720,229 3,730,804 3,847,057 3,754,138 3,763,839 3,759,738 3,809,980 3,794,250 3,830,174 3,820,096 3,845,733 Average Third Party Funds of Households per Account at Banks 34
35 Giro Rp Miliar/ Billions of Rp 167,069 166,298 207,885 240,828 256,317 223,089 234,220 283,690 237,801 256,317 229,456 247,463 236,971 232,518 215,944 230,499 216,858 222,713 Demand Deposit 35
36 Tabungan Rp Miliar/ Billions of Rp 1,666,748 1,793,743 2,000,075 2,224,912 2,349,700 2,259,985 2,265,819 2,254,099 2,282,392 2,349,700 2,283,987 2,268,020 2,268,580 2,318,777 2,312,866 2,335,140 2,324,614 2,318,853 Saving 36
37 Deposito Rp Miliar/ Billions of Rp 1,209,231 1,299,380 1,391,374 1,300,344 1,241,040 1,178,401 1,194,886 1,182,440 1,210,612 1,241,040 1,240,695 1,248,356 1,254,187 1,258,685 1,265,440 1,264,535 1,278,624 1,304,167 Time Deposit 37
38 Jumlah Rekening Perbankan Juta Rekening / Millions of Account 303 317 371 426 502 489 488 498 482 502 500 522 504 505 510 514 519 524 Total of Account at Banks 38
39 Giro Juta Rekening / Millions of Account 6 3 3 3 2 2 2 2 2 2 2 2 2 2 2 2 2 2 Demand Deposit 39
40 Tabungan Juta Rekening / Millions of Account 294 310 363 418 495 482 481 492 476 495 493 515 497 498 502 507 511 517 Saving 40
41 Deposito Juta Rekening / Millions of Account 4 4 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 Time Deposit 41
42 42
43 Indikator Hasil Survei Indicators of Survey Result 43
44 Indeks Penjualan Riil Poin/ Point 236.34 235.10 190.06 216.28 217.76 201.82 198.14 202.71 203.53 217.76 208.22 201.18 215.33 242.92 223.51 222.92 203.34 204.07 Real Sales Index 44
45 Indeks Keyakinan Konsumen Poin/ Point 127.02 126.37 96.50 118.34 119.87 124.72 117.20 120.30 119.06 119.87 123.00 122.42 123.31 126.05 128.34 127.13 123.50 125.25 Consumer Confidence Index 45
46 Indeks Kondisi Ekonomi Saat Ini Poin/ Point 111.93 113.09 68.64 99.88 112.45 111.69 108.31 112.33 110.25 112.45 112.08 112.35 113.11 116.61 118.89 116.79 113.76 115.47 Current Economic Condition Index 46
47 Indeks Ekspektasi Konsumen Poin/ Point 142.10 139.65 124.35 136.80 127.30 137.74 126.10 128.26 127.88 127.30 133.92 132.49 133.51 135.49 137.79 137.46 133.24 135.03 Consumer Expectation Index 47
48 Indeks Pembelian Barang Tahan Lama (Durable Goods) Poin/ Point 117.72 117.51 78.80 91.90 106.18 103.11 102.48 107.07 104.89 106.18 106.48 104.74 105.00 107.82 110.24 107.67 108.55 111.58 Purchasing Durable Goods Index 48
49 Indeks Perkiraan Penghasilan 6 bulan Mendatang Poin/ Point 158.73 152.71 130.16 137.48 133.32 138.20 131.19 132.31 132.02 133.32 137.91 137.96 135.84 137.88 136.90 138.07 136.37 135.19 Income Estimates Next 6 months Index 49
50 Indeks Perkiraan Posisi Pinjaman 6 bulan Mendatang Poin/ Point 168.20 161.31 … - - - - - - - - - - - - - - Outstanding Loans Estimates Next 6 months Index 50
51 Komposisi Pengeluaran Rumah Tangga Composition of Households Expenditure 51
52 Konsumsi % 67.24 69.20 69.04 76.20 75.62 73.63 74.78 75.05 74.75 75.62 73.60 75.00 75.71 75.21 75.41 75.74 75.47 75.58 Consumption 52
53 Cicilan Pinjaman % 12.32 11.25 10.16 9.70 9.19 9.60 9.44 9.24 9.60 9.19 9.74 8.64 8.75 8.44 8.84 8.97 9.14 8.58 Loan Repayments 53
54 Tabungan % 20.45 19.55 20.80 14.11 15.19 16.77 15.78 15.71 15.66 15.19 16.66 16.36 15.54 16.35 15.75 15.29 15.40 15.84 Saving 54
Keterangan: Note:
- Indikator Hasil Survei diperoleh berdasarkan hasil Survei Penjualan Eceran dan Survei
- Indicators based on survey refers to Retail Sales Survey and Consumer Survey conducted by Bank Indonesia
Konsumen Bank Indonesia (30 kota).
- Angka periode terkini pada Indeks Penjualan Riil merupakan angka sementara. - The current figure on Real Sales Index is preliminary data
1)
Pembagian dilakukan berdasarkan tujuan penggunaan. 1)
Disaggregation based on the purpose of use
*Angka sementara *Preliminary figures
Sumber: BI dan OJK (diolah) Source: BI and FSA

53 Bank Indonesia
TABEL 18. INDIKATOR SEKTOR PROPERTI/
TABLE 18. INDICATORS OF PROPERTY SECTOR
2022 2023
Komponen SATUAN/ UNIT 2018 2019 2020 2021 2022 COMPONENTS
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sept
1 NPL Kredit Properti % 2.40 2.62 2.78 2.41 2.26 2.38 2.40 2.40 2.26 2.46 2.50 2.42 2.64 2.72 2.72 2.81 2.76 2.66 NPL of Real Estate Loans 1
2 Kredit Properti Rumah Tapak % 2.30 2.52 2.72 2.34 2.17 2.30 2.33 2.32 2.17 2.37 2.41 2.33 2.55 2.63 2.63 2.73 2.68 2.58 Real Estate Loans for Landed House 2
3 Kredit Pemilikan Rumah Tapak % 2.31 2.53 2.57 2.24 2.02 2.15 2.18 2.15 2.02 2.20 2.24 2.18 2.40 2.49 2.51 2.59 2.59 2.51 Mortgage Loans for Landed House 3
4 KPR Tipe >70 m2 % 3.00 3.05 3.25 2.84 2.55 2.71 2.73 2.70 2.55 2.72 2.68 2.59 2.68 2.76 2.88 2.93 2.96 2.91 Mortgage Loans Type >70 m2 4
5 KPR Tipe 22 s.d 70 m2 % 1.97 2.26 2.21 1.88 1.70 1.82 1.84 1.82 1.70 1.87 1.94 1.95 2.22 2.22 2.23 2.30 2.28 2.20 Mortgage Loans Type 22-70 m2 5
6 KPR Tipe s.d 21 m2 % 2.10 2.60 3.23 3.64 3.84 4.03 4.18 4.07 3.84 4.36 4.43 3.19 3.36 4.72 4.30 4.54 4.48 4.19 Mortgage Loans Type < 21 m2 6
7 Kredit Konsumsi Beragun Rumah Tapak % 2.29 2.48 3.32 2.83 2.76 2.87 2.88 2.95 2.76 3.04 3.09 2.91 3.15 3.23 3.13 3.35 3.16 2.98 Consumer Loans Backed Landed House 7
8 Kredit Properti Rumah Susun % 1.81 1.84 2.17 2.18 2.08 1.95 2.00 2.02 2.08 2.18 2.36 2.27 2.41 2.60 2.63 2.71 2.71 2.67 Real Estate Loans for Flat/Small Apartment 8
9 Kredit Pemilikan Rumah Susun % 1.83 1.56 2.22 2.03 1.94 1.85 1.93 1.96 1.94 2.09 2.15 2.04 2.23 2.31 2.37 2.49 2.51 2.50 Mortgage Loans for Flat/Small Apartment 9
10 KPRS Tipe >70 m2 % 1.32 1.25 2.56 2.10 1.89 1.89 1.95 1.85 1.89 1.99 1.96 1.85 1.99 1.98 1.97 2.04 2.10 2.15 Mortgage Loans Type >70 m2 10
11 KPRS Tipe 22 s.d 70 m2 % 1.71 1.70 1.98 1.93 1.95 1.78 1.90 2.00 1.95 2.11 2.21 2.23 2.46 2.47 2.59 2.73 2.71 2.69 Mortgage Loans Type 22-70 m2 11
12 KPRS Tipe s.d 21 m2 % 7.39 2.44 2.48 2.59 2.13 2.28 2.06 2.19 2.13 2.52 2.59 1.42 1.51 2.81 2.64 2.79 2.89 2.79 Mortgage Loans Type < 21 m2 12
13 Kredit Konsumsi Beragun Rumah Susun % 1.73 3.16 1.90 3.21 3.00 2.62 2.43 2.42 3.00 2.74 3.79 3.81 3.60 4.45 4.29 4.12 4.00 3.76 Consumer Loans Backed Flat/Small Apartment 13
14 Kredit Properti Ruko/Rukan % 4.30 5.10 4.66 4.29 4.66 4.82 4.75 4.71 4.66 4.96 5.07 5.01 5.20 5.30 5.19 4.97 4.89 4.76 Real Estate Loans for Shophouse/Officehouse 14
15 Kredit Pemilikan Ruko/Rukan % 4.80 5.56 4.88 4.54 4.79 4.97 4.90 4.85 4.79 5.09 5.19 5.10 5.36 5.37 5.27 5.04 5.01 4.81 Mortgage Loans for Shophouse/Officehouse 15
16 Kredit Konsumsi Beragun Ruko/Rukan % 3.17 4.02 4.10 3.54 4.28 4.39 4.34 4.31 4.28 4.56 4.71 4.75 4.74 5.12 4.98 4.79 4.57 4.61 Consumer Loans Backed Shophouse/Officehouse 16
17 Kredit Konstruksi Perumahan Construction Loans for Housing 17
18 Nominal Rp Miliar/ Billions of Rp 53,091 54,135 47,878 41,607 41,278 39,800 40,716 40,502 41,278 39,845 39,108 54,443 55,434 36,509 37,285 36,665 37,093 37,467 Nominal 18
19 Pertumbuhan %, yoy 12.45 1.97 -11.56 -13.10 -0.79 -6.56 -0.86 -2.22 -0.79 -3.20 -5.11 32.27 35.68 -11.57 -8.23 -9.15 -6.64 -5.86 Growth 19
20 NPL % 3.66 7.48 10.63 11.50 11.29 12.21 12.07 12.25 11.29 11.65 11.65 12.56 12.09 12.06 11.32 11.47 11.18 11.02 NPL 20
21 Pertumbuhan Kredit Properti %, yoy 11.37 6.11 0.34 5.61 12.28 11.89 12.09 12.49 12.28 21.52 9.93 9.15 8.88 9.13 6.55 6.74 5.43 5.32 Growth of Real Estate Loans 21
22 Kredit Properti Rumah Tapak %, yoy 12.10 6.67 1.05 6.11 12.98 12.48 12.60 12.99 12.98 21.81 10.34 9.58 9.28 9.50 6.77 6.97 5.50 5.43 Real Estate Loans for Landed House 22
23 Kredit Pemilikan Rumah Tapak %, yoy 13.31 7.80 3.47 9.55 7.82 7.56 7.57 7.86 7.82 20.66 7.78 7.34 6.85 7.71 10.82 10.88 13.01 12.66 Mortgage Loans for Landed House 23
24 KPR Tipe >70 m2 %, yoy 7.88 6.02 -0.64 8.82 5.64 5.73 5.96 5.88 5.64 22.02 5.99 0.39 0.13 4.46 14.86 14.55 18.32 18.25 Mortgage Loans Type >70 m2 24
25 KPR Tipe 22 s.d 70 m2 %, yoy 17.65 10.62 7.09 10.59 9.71 9.19 8.95 9.47 9.71 21.74 9.45 9.00 8.42 7.68 7.22 7.41 8.79 8.44 Mortgage Loans Type 22-70 m2 25
26 KPR Tipe s.d 21 m2 %, yoy 2.41 -11.20 -16.01 -1.68 -8.01 -6.66 -4.59 -5.21 -8.01 -6.88 -7.99 35.52 34.99 37.23 48.98 49.94 51.72 49.44 Mortgage Loans Type < 21 m2 26
27 Kredit Konsumsi Beragun Rumah Tapak %, yoy 8.07 2.73 -7.79 -7.95 38.09 35.30 36.41 37.62 38.09 26.45 21.62 19.60 20.20 17.62 -7.62 -7.11 -21.85 -21.26 Consumer Loans Backed Landed House 27
28 Kredit Properti Rumah Susun %, yoy 26.21 11.19 -0.29 11.32 7.08 10.11 10.80 10.43 7.08 21.43 7.72 6.34 5.87 6.51 5.57 6.18 6.43 6.12 Real Estate Loans for Flat/Small Apartment 28
29 Kredit Pemilikan Rumah Susun %, yoy 28.98 12.03 2.31 14.34 7.07 11.16 11.54 10.75 7.07 21.81 6.97 5.29 4.83 5.53 4.76 5.47 5.64 5.25 Mortgage Loans for Flat/Small Apartment 29
30 KPRS Tipe >70 m2 %, yoy 23.97 10.38 -1.37 9.46 7.67 10.74 11.53 10.68 7.67 22.62 7.79 3.79 3.35 5.64 4.23 5.03 3.41 2.82 Mortgage Loans Type >70 m2 30
31 KPRS Tipe 22 s.d 70 m2 %, yoy 35.86 13.29 4.89 16.28 3.87 8.07 8.36 7.66 3.87 17.38 3.91 4.09 3.70 3.26 2.15 2.60 5.38 4.84 Mortgage Loans Type 22-70 m2 31
32 KPRS Tipe s.d 21 m2 %, yoy 2.82 11.15 2.11 29.57 38.04 49.23 47.24 45.62 38.04 68.06 33.93 27.21 25.78 27.72 34.29 36.59 19.53 21.63 Mortgage Loans Type < 21 m2 32
33 Kredit Konsumsi Beragun Rumah Susun %, yoy 15.11 7.41 -12.51 -5.23 7.17 3.57 6.15 8.38 7.17 18.97 13.03 13.95 13.23 13.36 11.02 10.99 11.74 11.94 Consumer Loans Backed Flat/Small Apartment 33
34 Kredit Properti Ruko/Rukan %, yoy -5.43 -5.83 -11.68 -9.35 1.57 0.37 1.51 2.94 1.57 14.45 2.31 1.58 2.38 2.73 1.97 1.72 2.32 1.57 Real Estate Loans for Shophouse/Officehouse 34
35 Kredit Pemilikan Ruko/Rukan %, yoy -5.79 -4.73 -9.60 -5.60 1.08 1.06 1.92 2.23 1.08 15.04 -0.34 -0.66 -0.96 -0.33 -1.22 0.60 1.37 2.18 Mortgage Loans for Shophouse/Officehouse 35
36 Kredit Konsumsi Beragun Ruko/Rukan %, yoy -4.61 -8.29 -16.49 -18.71 2.99 -1.53 0.38 4.97 2.99 12.82 10.67 8.61 13.18 12.51 12.15 5.02 5.10 -0.14 Consumer Loans Backed Shophouse/Officehouse 36
37 Kredit Properti1) Rp Miliar/ Billions of Rp 634,624 673,416 675,688 713,624 801,287 784,784 790,750 796,086 801,287 799,938 803,109 806,212 809,438 811,389 816,491 823,676 820,409 826,554 Real Estate Loans1) 37
38 Kredit Properti Rumah Tapak Rp Miliar/ Billions of Rp 573,255 611,481 617,904 655,661 740,759 724,736 730,312 735,436 740,759 739,759 742,990 746,077 749,202 750,940 755,650 762,350 758,463 764,119 Real Estate Loans for Landed House 38
39 Kredit Pemilikan Rumah Tapak Rp Miliar/ Billions of Rp 445,196 479,928 496,603 544,004 586,568 570,329 575,876 581,135 586,568 587,497 591,383 596,899 599,544 605,046 611,798 618,197 637,534 642,533 Mortgage Loans for Landed House 39
40 KPR Tipe >70 m2 Rp Miliar/ Billions of Rp 143,293 151,919 150,951 164,262 173,522 167,513 169,475 171,199 173,522 173,657 174,797 168,956 169,915 177,499 179,220 181,518 196,262 198,084 Mortgage Loans Type >70 m2 40
41 KPR Tipe 22 s.d 70 m2 Rp Miliar/ Billions of Rp 274,566 303,735 325,264 359,697 394,606 384,209 387,826 391,465 394,606 395,494 398,233 401,048 402,980 401,425 404,187 408,290 413,016 416,644 Mortgage Loans Type 22-70 m2 41
42 KPR Tipe s.d 21 m2 Rp Miliar/ Billions of Rp 27,337 24,274 20,388 20,046 18,440 18,607 18,575 18,471 18,440 18,346 18,354 26,895 26,649 26,122 28,391 28,388 28,256 27,806 Mortgage Loans Type < 21 m2 42
43 Kredit Konsumsi Beragun Rumah Tapak Rp Miliar/ Billions of Rp 128,060 131,554 121,301 111,657 154,191 154,407 154,436 154,301 154,191 152,262 151,607 149,178 149,658 145,894 143,852 144,154 120,929 121,585 Consumer Loans Backed Landed House 43
44 Kredit Properti Rumah Susun Rp Miliar/ Billions of Rp 24,348 27,073 26,993 30,049 32,177 31,753 31,960 32,127 32,177 32,077 32,150 32,156 32,173 32,334 32,687 33,028 33,377 33,696 Real Estate Loans for Flat/Small Apartment 44
45 Kredit Pemilikan Rumah Susun Rp Miliar/ Billions of Rp 19,913 22,309 22,826 26,100 27,945 27,638 27,792 27,869 27,945 27,890 27,972 27,947 27,913 28,024 28,265 28,570 28,843 29,089 Mortgage Loans for Flat/Small Apartment 45
46 KPRS Tipe >70 m2 Rp Miliar/ Billions of Rp 7,896 8,715 8,596 9,409 10,131 10,115 10,148 10,139 10,131 10,077 10,143 9,974 9,955 10,104 10,158 10,297 10,339 10,400 Mortgage Loans Type >70 m2 46
47 KPRS Tipe 22 s.d 70 m2 Rp Miliar/ Billions of Rp 11,066 12,537 13,150 15,292 15,883 15,621 15,738 15,808 15,883 15,882 15,892 16,065 16,051 15,962 16,007 16,108 16,252 16,376 Mortgage Loans Type 22-70 m2 47
48 KPRS Tipe s.d 21 m2 Rp Miliar/ Billions of Rp 951 1,057 1,080 1,399 1,931 1,902 1,906 1,921 1,931 1,931 1,938 1,907 1,906 1,958 2,100 2,164 2,252 2,313 Mortgage Loans Type < 21 m2 48
49 Kredit Konsumsi Beragun Rumah Susun Rp Miliar/ Billions of Rp 4,435 4,763 4,167 3,949 4,232 4,115 4,168 4,258 4,232 4,187 4,178 4,209 4,260 4,310 4,423 4,459 4,534 4,607 Consumer Loans Backed Flat/Small Apartment 49
50 Kredit Properti Ruko/Rukan Rp Miliar/ Billions of Rp 37,021 34,862 30,791 27,913 28,351 28,295 28,478 28,524 28,351 28,102 27,968 27,979 28,063 28,115 28,154 28,298 28,569 28,740 Real Estate Loans for Shophouse/Officehouse 50
51 Kredit Pemilikan Ruko/Rukan Rp Miliar/ Billions of Rp 25,548 24,340 22,004 20,771 20,995 20,923 21,019 21,010 20,995 20,807 20,681 20,739 20,734 20,785 20,778 20,874 21,152 21,378 Mortgage Loans for Shophouse/Officehouse 51
52 Kredit Konsumsi Beragun Ruko/Rukan Rp Miliar/ Billions of Rp 11,473 10,522 8,787 7,142 7,356 7,372 7,459 7,514 7,356 7,295 7,288 7,240 7,328 7,329 7,376 7,424 7,416 7,361 Consumer Loans Backed Shophouse/Officehouse 52
53 53
54 Indikator Hasil Survei Indicators of Survey Result 54
55 Pertumbuhan Indeks Harga Properti Residensial (IHPR) %, yoy 2.95 1.77 1.43 1.47 2.00 1.94 - - 2.00 - - 1.79 - - 1.92 - - … Growth of Residential Property Price Index (RPPI) 55
56 IHPR Gabungan 2) 3) Poin/ Point 207.3 210.97 213.98 217.13 106.30 105.80 - - 106.30 - - 106.75 - - 107.26 - - … RPPI 2) 56
57 Kecil ( ≤ 36 m2 ) Poin/ Point 243.13 250.00 254.68 259.76 108.60 108.26 - - 108.60 - - 109.04 - - 109.86 - - … Small ( ≤ 36 m2 ) 57
58 Menengah ( >36 m2 s.d 70 m2 ) Poin/ Point 204.01 206.94 210.28 213.40 108.83 108.01 - - 108.83 - - 109.55 - - 110.08 - - … Medium ( >36 m2 up to 70 m2 ) 58
59 Besar ( >70 m ) 2
Poin/ Point 175.41 177.22 178.65 180.32 104.62 104.24 - - 104.62 - - 104.96 - - 105.39 - - … Large ( >70 m ) 2
59
60 IHPR Gabungan (diluar Jabodebek-Banten) Poin/ Point 162.27 - - - - - - - - - - - - - - - - … RPPI (outside Jabodebek-Banten) 60
61 Kecil ( ≤ 36 m2 ) Poin/ Point 159.95 - - - - - - - - - - - - - - - - … Small ( ≤ 36 m2 ) 61
62 Menengah ( >36 m s.d 70 m )
2 2
Poin/ Point 182.46 - - - - - - - - - - - - - - - - … Medium ( >36 m up to 70 m )
2 2
62
63 Besar ( >70 m2) Poin/ Point 147.39 - - - - - - - - - - - - - - - - … Large ( >70 m2) 63
64 IHPR Jabodebek-Banten 3) Poin/ Point 222.20 225.30 228 231.47 105.98 105.32 - - 105.98 - - 106.33 - - 107.12 - - … RPPI Jabodebek-Banten 64
65 Kecil ( ≤ 36 m2 ) Poin/ Point 290.75 296.14 300 304.77 107.82 107.55 - - 107.82 - - 108.24 - - 109.09 - - … Small ( ≤ 36 m2 ) 65
66 Menengah ( >36 m2 s.d 70 m2 ) Poin/ Point 214.94 218.51 223 226.52 110.06 108.86 - - 110.06 - - 110.96 - - 111.70 - - … Medium ( >36 m2 up to 70 m2 ) 66
67 Besar ( >70 m ) 2
Poin/ Point 174.63 175.77 177 178.64 104.01 103.48 - - 104.01 - - 104.14 - - 104.93 - - … Large ( >70 m ) 2
67
68 Sumber Pembiayaan Konsumen Source of Consumer Financing 68
69 KPR % 76.73 71.88 75.31 76.05 75.03 74.53 - - 75.03 - - 74.83 - - 76.02 - - … Mortgage Loans 69
70 Tunai Bertahap % 15.86 20.23 17.85 16.60 18.22 17.39 - - 18.22 - - 17.90 - - 17.25 - - … Gradual Cash 70
71 Tunai % 7.41 7.89 6.84 7.35 6.76 8.08 - - 6.76 - - 7.27 - - 6.73 - - … Cash 71
72 Komposisi Sumber Pembiayaan yang Digunakan oleh Developer Composition of Source of Financing Used by Developer 72
73 a.l. Dana Internal % 58.02 58.8 65.46 63.33 72.51 73.20 - - 72.51 - - 73.31 - - 72.80 - - … o/w Internal Funds 73
74 Bank % 31.18 26.59 22.93 22.47 16.90 15.89 - - 16.90 - - 16.23 - - 16.09 - - … Banks 74
75 IKNB % 0.8 - - - - - - - - - - - - - - - - … NBFI 75
76 Nasabah % 9.19 10.67 8.37 9.93 7.39 7.51 - - 7.39 - - 7.10 - - 7.59 - - … Customer 76
77 Lainnya % 0.82 - - - - - - - - - - - - - - - - … Others 77
Keterangan: Note:
- KPP terdiri dari KPR (untuk pemilikan Rumah Tapak), KPRS (untuk pemilikan Rumah Susun), dan - KPP consists of KPR (loans for landed house), KPRS (loans for condominium/ apartment), and
KPRukan/ Ruko (untuk pemilikan Rukan/ Ruko). KPRukan/ Ruko (loans for commercial building)
- Data KKBP (Kredit Konsumsi Beragun Properti) adalah merupakan data sementara. - KKBP data (Consumer Loans with property collateral) is preliminary figure
2) Definisi mengacu pada PBI LTV No.17/10/PBI/2015 tanggal 18 Juni 2015. Refers to PBI LTV No.17/10/PBI/2015 dated June 18, 2015
1) 1)
IHPR Gabungan merupakan indeks komposit Survei Harga Properti Residensial (SHPR) Primer yang 2)
Composite index of Residential Property Price Survey conducted by Bank Indonesia in several cities
dilaksanakan
3) oleh
Pada triwulan Bank Indonesia
III-2022 di beberapa metodologi
terdapat penyesuaian kota. IHPR pada
Gabungan
tahunini termasuk
dasar IHPR Jakarta,
dari 2002=100 menjadiBogor, 3)
In Q3 2022, thereBogor,
was a methodology adjustment in the base year from 2002=100 to 2018=100. In
including Jakarta, Depok, Bekasi, and Banten (Jabodebek-Banten)
Depok, Bekasi,
2018=100. dan
Selain Banten
itu, (Jabodebek-Banten).
terdapat penyesuaian metode perhitungan bobot berdasarkan nilai agunan KPR pada addition, there is an adjustment to the weight calculation method based on the value of mortgage
bank. collateral at the bank.
Sumber : Bank Indonesia Source : Bank Indonesia
TABEL 19. INDIKATOR KEUANGAN INKLUSIF/
TABLE 19. INDICATORS OF FINANCIAL INCLUSION
2022 2023
1 DPK Perbankan terhadap PDB Harga Berlaku % 37.94 37.89 43.19 44.06* 41.62* - 39.87* - - 41.62* - - 39.73* - - 39.27* - - Third Party Funds to GDP at Current Price 1
2 Kredit Perbankan terhadap PDB Harga Berlaku % 36.11 35.90 35.94 34.29* 33.17* - 32.79* - - 33.17* - - 32.34* - - 32.83* - - Total Credit Bank to GDP at Current Price 2
3 3
4 4
Jumlah Agen LKD per 100 ribu Penduduk Dewasa Satuan / Unit 198 255 306 431 458 441 444 447 463 458 452 453 456 453 453 454 454 455 Number of Digital Financial Services Agent per 100 thousand Adults
5 Sumatera Satuan / Unit 166 222 278 409 428 416 419 421 431 428 425 425 428 425 425 426 426 427 Sumatera 5
6 Jawa Satuan / Unit 218 277 313 416 446 429 431 434 462 446 440 440 443 440 440 441 441 442 Jawa 6
7 Bali & Nusa Tenggara Satuan / Unit 156 191 285 403 425 412 414 417 398 425 421 421 425 421 421 422 422 424 Bali & Nusa Tenggara 7
8 Kalimantan Satuan / Unit 181 215 301 532 541 531 533 536 532 541 539 539 543 539 539 540 540 541 Kalimantan 8
9 Sulawesi Satuan / Unit 209 284 365 543 598 560 565 567 557 598 583 583 591 583 583 587 587 588 Sulawesi 9
10 Maluku & Papua Satuan / Unit 115 169 248 438 476 453 457 462 461 476 469 469 474 469 469 471 472 474 Maluku & Papua 10
11 11
12 12
Jumlah Agen LKD per 1000 km2 Satuan / Unit 201 263 316 445 473 456 459 461 478 473 467 467 471 467 467 469 469 470 Number of Digital Financial Services Agent per 1000 km 2
13 Sumatera Satuan / Unit 141 191 240 353 369 359 361 364 372 369 366 366 369 366 366 367 367 369 Sumatera 13
14 Jawa Satuan / Unit 1,896 2,446 2,765 3,675 3,933 3,784 3,806 3,828 4,078 3,933 3,881 3,881 3,912 3,881 3,881 3,895 3,895 3,903 Jawa 14
15 Bali & Nusa Tenggara Satuan / Unit 221 275 410 580 611 593 597 601 573 611 606 606 613 606 606 608 608 610 Bali & Nusa Tenggara 15
16 Kalimantan Satuan / Unit 39 47 66 116 118 116 117 117 116 118 118 118 119 118 118 118 118 118 Kalimantan 16
17 Sulawesi Satuan / Unit 154 213 274 407 448 420 423 425 418 448 436 437 443 437 437 440 440 441 Sulawesi 17
18 Maluku & Papua Satuan / Unit 12 18 27 47 51 48 49 49 49 51 50 50 51 50 50 50 50 51 Maluku & Papua 18
19 19
20
20 Jumlah Rekening DPK Perbankan per 1.000 Penduduk Dewasa Rekening/ Account 1,589 1,632 1,909 2,186 2,574 2,507 2,504 2,557 2,476 2,574 2,564 2,676 2,588 2,590 2,615 2,637 2,660 2,688 Number of Account Third Party Funds per 1.000 Adults
21 21
Jumlah Rekening Kredit Perbankan per 1.000 Penduduk Dewasa Rekening/ Account 230 241 247 432 625 662 665 654 653 625 607 411 411 411 414 415 415 422 Number of Account Credit per 1.000 Adults
22 22
Jumlah Rekening Kredit UMKM Perbankan per 1.000 Penduduk Dewasa Rekening/ Account 75 81 81 169 206 226 222 213 210 206 194 129 129 129 129 129 129 129 Number of Account MSMEs Credit per 1.000 Adults
23
23 Jumlah Uang Elektronik per 1.000 Penduduk Dewasa Satuan / Unit 860 1,479 2,187 2,911 3,698 4,516 4,988 5,205 3,909 3,698 3,588 3,759 3,774 3,768 3,819 3,826 3,892 3,934 Number of Electronic Money per 1.000 Adults
24 24
25
Jumlah Rekening Uang Elektronik Register pada Agen LKD per 1.000 Number of Account Registered Money Electronic at Digital
Rekening/ Account 58 282 75 134 137 100 166 165 140 137 69 168 119 70 71 71 72 72 25
Penduduk Dewasa Financial Services Agent per 1.000 Adult Population
26
26 Sumatera Rekening/ Account 7 32 4 10 6 5 8 8 7 6 4 7 6 4 4 4 5 5 Sumatera
27 27
Jawa Rekening/ Account 95 465 125 221 232 169 281 279 236 232 117 286 201 119 119 120 121 122 Jawa
28 28
Bali & Nusa Tenggara Rekening/ Account 8 19 8 15 5 5 10 10 8 5 3 6 5 3 3 3 3 3 Bali & Nusa Tenggara
29
29 Kalimantan Rekening/ Account 4 30 5 12 7 6 8 9 8 7 5 7 7 5 5 6 6 6 Kalimantan
30 30
Sulawesi Rekening/ Account 7 38 8 25 8 7 15 15 12 8 4 10 8 5 5 5 5 5 Sulawesi
31 31
Maluku & Papua Rekening/ Account 6 20 5 14 3 2 4 4 4 3 2 3 3 2 2 2 2 2 Maluku & Papua
32 32
33 33
Jumlah Agen LKD1) Satuan / Unit 385,158 503,443 603,855 851,174 905,505 872,269 877,377 882,611 915,227 905,505 894,153 894,257 901,964 894,257 894,310 897,432 897,441 899,708 Number of Digital Financial Services Agent 1)
34 Sumatera Satuan / Unit 67,606 92,066 115,333 169,697 177,496 172,684 173,578 174,776 178,776 177,496 176,156 176,171 177,451 176,185 176,185 176,610 176,620 177,193 Sumatera 34
35 Jawa Satuan / Unit 245,442 316,619 357,953 475,725 509,089 489,784 492,700 495,439 527,910 509,089 502,303 502,354 506,389 502,344 502,377 504,178 504,159 505,200 Jawa 35
36 Bali & Nusa Tenggara Satuan / Unit 16,173 20,084 29,986 42,365 44,675 43,330 43,609 43,903 41,883 44,675 44,294 44,299 44,761 44,295 44,300 44,403 44,407 44,605 Bali & Nusa Tenggara 36
37 Kalimantan Satuan / Unit 21,126 25,547 35,789 63,350 64,417 63,236 63,431 63,821 63,355 64,417 64,132 64,150 64,600 64,150 64,159 64,260 64,263 64,404 Kalimantan 37
38 Sulawesi Satuan / Unit 29,033 40,131 51,577 76,736 84,482 79,109 79,749 80,072 78,731 84,482 82,287 82,298 83,545 82,298 82,299 82,878 82,884 83,063 Sulawesi 38
39 Maluku & Papua Satuan / Unit 5,778 8,996 13,217 23,301 25,346 24,126 24,310 24,600 24,572 25,346 24,981 24,985 25,218 24,985 24,990 25,103 25,108 25,243 Maluku & Papua 39
40 40
41 41
Juta Rekening/ Millions of Number of Account Registered Money Electronic at Digital
Jumlah Rekening Uang Elektronik Register pada Agen LKD 11.24 55.71 14.79 26.39 26.99 19.79 32.82 32.59 27.61 26.99 13.711 33.282 23.430 13.921 13.995 14.100 14.198 14.295
Account Financial Services Agent
42 42
Juta Rekening/ Millions of
Sumatera 0.27 1.31 0.18 0.40 0.24 0.21 0.31 0.32 0.28 0.24 0.175 0.274 0.242 0.182 0.183 0.185 0.187 0.188 Sumatera
Account
43
43 Jawa 10.70 53.19 14.33 25.26 26.48 19.35 32.08 31.83 26.97 26.48 13.373 32.697 22.925 13.569 13.640 13.740 13.834 13.928 Jawa
Account
44 44
Bali & Nusa Tenggara 0.08 0.20 0.08 0.16 0.05 0.05 0.10 0.10 0.08 0.05 0.028 0.062 0.051 0.030 0.030 0.030 0.031 0.031 Bali & Nusa Tenggara
Account
45 45
Kalimantan 0.05 0.36 0.06 0.15 0.08 0.07 0.10 0.10 0.09 0.08 0.061 0.087 0.079 0.064 0.065 0.066 0.067 0.067 Kalimantan
Account
46
46 Sulawesi 0.10 0.54 0.11 0.35 0.12 0.10 0.21 0.22 0.17 0.12 0.063 0.145 0.118 0.066 0.067 0.067 0.068 0.069 Sulawesi
Account
47 47
Maluku & Papua 0.03 0.11 0.03 0.07 0.02 0.01 0.02 0.02 0.02 0.02 0.010 0.017 0.014 0.011 0.011 0.011 0.011 0.011 Maluku & Papua
Account
48 48
49
49 Jumlah Rekening DPK Perbankan 309 323 377.36 432 509 495 495 505 489 509 506.72 528.91 511.37 511.83 516.72 521.08 525.69 531.24 Number of Account Third Party Funds
Account
50 50
Jumlah Rekening Kredit Perbankan 44.83 47.63 48.91 85.44 123.53 130.81 131.36 129.24 129.10 123.53 119.88 81.26 81.19 81.30 81.82 81.97 82.08 83.43 Number of Account of Total Credit
Account
51 51
Jumlah Rekening Kredit UMKM 14.62 15.92 15.97 33.46 40.73 44.59 43.91 42.08 41.46 40.73 38.43 25.40 25.53 25.51 25.56 25.48 25.44 25.47 Number of Account of Total MSMEs Credit
Account
52 52
53 53
Jumlah Penduduk Dewasa Juta Orang/ Million People 195 197.62000 197.62000 197.62000 197.62000 197.620 197.620 197.620 197.620 197.620 197.620 197.620 197.620 197.620 197.620 197.620 197.620 197.620 Total Adults
54 54
Sumatera Juta Orang/ Million People 40.75050 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 41.47160 Sumatera
55
55 Jawa Juta Orang/ Million People 112.83660 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 114.27170 Jawa
56 56
Bali & Nusa Tenggara Juta Orang/ Million People 10.35030 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 10.52310 Bali & Nusa Tenggara
57 57
Kalimantan Juta Orang/ Million People 11.65250 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 11.90390 Kalimantan
58 58
Sulawesi Juta Orang/ Million People 13.91100 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 14.12480 Sulawesi
59 59
Maluku & Papua Juta Orang/ Million People 5.02760 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 5.32490 Maluku & Papua
60 60

61 Luas Wilayah Km2 1,913,579 1,913,579 1,913,579 1,913,579 1,913,579 1,913,579 1,913,579 1,913,579 1,913,579 1,913,579 1,913,578.68 1,913,578.68 1,913,578.68 1,913,578.68 1,913,578.68 1,913,578.68 1,913,578.68 1,913,578.68 Area 61
62 Sumatera Km2 480,793 480,793 480,793 480,793 480,793 480,793 480,793 480,793 480,793 480,793 480,793.28 480,793.28 480,793.28 480,793.28 480,793.28 480,793.28 480,793.28 480,793.28 Sumatera 62
63 Jawa Km2 129,438 129,438 129,438 129,438 129,438 129,438 129,438 129,438 129,438 129,438 129,438.28 129,438.28 129,438.28 129,438.28 129,438.28 129,438.28 129,438.28 129,438.28 Jawa 63
64 Bali & Nusa Tenggara Km2 73,070 73,070 73,070 73,070 73,070 73,070 73,070 73,070 73,070 73,070 73,070.48 73,070.48 73,070.48 73,070.48 73,070.48 73,070.48 73,070.48 73,070.48 Bali & Nusa Tenggara 64
65 Kalimantan Km2 544,150 544,150 544,150 544,150 544,150 544,150 544,150 544,150 544,150 544,150 544,150.07 544,150.07 544,150.07 544,150.07 544,150.07 544,150.07 544,150.07 544,150.07 Kalimantan 65
66 Sulawesi Km2 188,522 188,522 188,522 188,522 188,522 188,522 188,522 188,522 188,522 188,522 188,522.36 188,522.36 188,522.36 188,522.36 188,522.36 188,522.36 188,522.36 188,522.36 Sulawesi 66
67 Maluku & Papua Km 2
497,604 497,604 497,604 497,604 497,604 497,604 497,604 497,604 497,604 497,604 497,604.21 497,604.21 497,604.21 497,604.21 497,604.21 497,604.21 497,604.21 497,604.21 Maluku & Papua 67
Keterangan: Note:
1)
Data agen Layanan Keuangan Digital (LKD) bersifat sementara. 1)
Digital Finance Services (DFS) Agent data is temporary
- PDB dalam perhitungan rasio menggunakan PDB Harga Berlaku annualized. - GDP as denominator is annualized at current price
- Number of Adult based on Indonesian Population Projection (2010-2035) by

- Jumlah Penduduk Dewasa berdasarkan Data Proyeksi Penduduk Indonesia 2010 - 2035, Kementerian PPN/Bappenas, BPS
Kementerian PPN/Bappenas, BPS and United Nations Population Funds
dan United Nations Population Funds (UNPF) Tahun 2013.
(UNPF) in 2013
- Luas wilayah Indonesia berdasarkan Data Kementerian Dalam Negeri Tahun 2013. - Indonesia Land Areas refers to Ministry of Home Affairs (in 2013)
- Refers to Financial Access Survey (FAS)-IMF methodology, Global

- Klasifikasi indikator mengikuti metodologi Financial Access Survey (FAS) IMF, Global Financial Index (Global Findex)
Financial Index (Global Findex) World Bank and Alliance for Financial
World Bank dan Alliance for Financial Inclusion (AFI).
Inclusion (AFI)
- Data survei menggunakan hasil survei Global Findex-World Bank yang dilaksanakan setiap 3 tahun sekali oleh World - Based on Global Findex Survey held by World Bank for every 3 years
Bank. (triannual)
- Sejak Januari 2020 angka jumlah penduduk dewasa merupakan angka sementara. - Since January 2020, total adults data is temporary.
Source: BI, FSA, Ministry of Home Affairs, Statistics Indonesia, and The
Sumber: Bank Indonesia, OJK, Kementerian Dalam Negeri, BPS (diolah), dan World Bank
World Bank

TABEL 20. INDIKATOR UMKM/
TABLE 20. INDICATORS OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs)
2021 2022 2023

KOMPONEN SATUAN/ UNIT 2016 2017 2018 2019 2020 2021 2022 COMPONENTS
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
1 BANK UMUM COMERCIAL BANKS 1
2 Kredit UMKM terhadap PDB Harga Berlaku % 6.91 6.93 6.96 7.02 7.07 7.21 - - 7.03 * - - 6.93 * - - 6.85 * - - 7.21 * 6.90 - - 7.15 * - - 7.13 * - - 6.94 * - - 6.90 * - - 6.75 * - - 6.81 * - - MSMEs Credit to GDP at Current Price 2
3 Kredit UMKM terhadap Total Kredit Perbankan % 19.42 19.71 19.27 19.55 19.67 21.02 19.74 19.72 19.61 19.74 19.65 19.62 19.61 19.71 19.70 19.74 19.63 21.02 20.80 21.15 21.25 21.17 21.16 21.11 20.83 20.92 20.82 20.78 20.68 20.80 20.80 20.87 20.80 20.87 20.88 20.74 20.74 20.74 20.79 * MSMEs Credit to Total Credit Bank 3
4 Kredit Usaha Mikro terhadap Total Kredit UMKM % 22.83 23.49 24.34 25.53 22.65 31.87 22.07 21.43 20.58 20.39 20.21 19.95 19.70 19.91 20.05 20.27 20.55 31.87 39.42 32.75 33.09 33.46 34.29 34.26 34.37 34.27 34.46 38.58 38.82 39.16 39.42 40.36 40.37 43.96 44.20 44.52 44.55 44.83 44.88 Micro Enterprises Credit to Total MSMEs Credit 4
5 Kredit Usaha Kecil terhadap Total Kredit UMKM % 29.82 30.01 30.22 30.93 32.36 37.58 32.98 32.99 33.21 34.25 34.81 35.25 36.01 36.64 37.19 37.67 38.11 37.58 34.54 37.10 37.18 37.24 37.05 36.99 37.08 37.57 37.84 34.68 34.61 34.64 34.54 35.17 35.17 32.63 32.54 32.28 32.20 32.18 32.08 Small Enterprises Credit To Total MSMEs Credit 5
6 Kredit Usaha Menengah terhadap Total Kredit UMKM % 47.36 46.50 45.44 43.54 44.99 30.55 44.96 45.58 46.21 45.36 44.98 44.80 44.29 43.46 42.76 42.06 41.33 30.55 26.04 30.16 29.73 29.30 28.67 28.75 28.54 28.16 27.70 26.74 26.57 26.20 26.04 24.47 24.46 23.41 23.26 23.20 23.25 22.98 23.05 Medium Enterprises Credit to Total MSMEs Credit 6
7 7
8 Baki Debet Kredit UMKM Rp Milliar/ Billions of Rp 856,997 942,388 1,032,643 1,111,340 1,091,232 1,223,433 1,077,734 1,080,963 1,089,904 1,094,490 1,095,627 1,107,594 1,102,655 1,112,814 1,124,497 1,126,905 1,129,587 1,223,433 1,351,249 1,218,254 1,234,799 1,252,140 1,277,119 1,280,860 1,299,356 1,301,660 1,299,136 1,316,665 1,323,748 1,334,948 1,351,249 1,332,024 1,340,708 1,360,036 1,364,208 1,378,242 1,394,644 1,400,208 1,414,507 Outstanding MSMEs Credit 8
9 Berdasarkan Klasifikasi Usaha Based on Enterprises Classification 9
10 Kredit Usaha Mikro Rp Milliar/ Billions of Rp 195,621 221,409 251,336 283,704 247,176 389,895 237,849 231,696 224,294 223,189 221,431 220,973 217,245 221,535 225,453 228,438 232,170 389,895 532,724 398,919 408,597 418,940 437,868 438,863 446,639 446,065 447,739 508,016 513,839 522,791 532,724 537,620 541,259 597,929 603,039 613,561 621,314 627,728 634,793 Micro Enterprises Credit 10
11 Kredit Usaha Kecil Rp Milliar/ Billions of Rp 255,518 282,774 312,069 343,792 353,125 459,744 355,384 356,580 361,913 374,811 381,348 390,432 397,075 407,685 418,163 424,493 430,511 459,744 466,706 451,944 459,044 466,274 473,149 473,812 481,843 488,994 491,529 456,629 458,126 462,450 466,706 468,513 471,555 443,768 443,900 444,915 449,099 450,650 453,734 Small Enterprises Credit 11
12 Kredit Usaha Menengah Rp Milliar/ Billions of Rp 405,859 438,205 469,237 483,844 490,931 373,794 484,501 492,687 503,697 496,489 492,848 496,189 488,336 483,593 480,881 473,974 466,906 373,794 351,819 367,392 367,158 366,926 366,101 368,185 370,873 366,601 359,869 352,020 351,783 349,707 351,819 325,891 327,893 318,339 317,270 319,767 324,232 321,830 325,980 Medium Enterprises Credit 12
13 Berdasarkan Jenis Penggunaan Based on Type of Use 13
14 Kredit Modal Kerja Rp Milliar/ Billions of Rp 623,509 697,388 766,213 800,638 799,226 927,327 783,335 788,083 798,115 801,754 804,706 813,804 811,782 819,506 829,468 833,298 836,737 927,327 1,015,647 923,766 917,490 933,837 943,985 957,929 971,407 995,860 985,106 1,004,194 1,007,585 1,005,304 1,015,647 994,874 997,953 1,010,159 1,012,174 1,019,022 1,027,025 1,027,653 1,034,920 Working Capital Credit 14
15 Kredit Investasi Rp Milliar/ Billions of Rp 233,489 244,999 266,430 310,701 292,007 296,106 294,399 292,880 291,789 292,736 290,921 293,790 290,874 293,308 295,029 293,608 292,850 296,106 335,602 294,489 317,309 318,303 333,134 322,931 327,949 305,800 314,030 312,471 316,163 329,643 335,602 337,150 342,755 349,877 352,034 359,219 367,619 372,555 379,587 Investment Credit 15
16 16
17 Berdasarkan Sektor Utama Penerima Kredit By Main Sector Loan Recipients 17
18 Sektor Perdagangan Besar dan Eceran Rp Milliar/ Billions of Rp 451,755 482,635 518,627 548,285 530,669 601,408 522,076 523,981 529,251 530,452 530,866 534,647 532,805 536,842 542,015 546,153 549,371 601,408 656,431 600,132 607,828 617,693 621,382 629,860 636,963 636,851 639,488 645,218 648,088 652,197 656,431 647,799 651,974 660,431 659,106 663,139 667,222 668,431 673,359 Wholesale and Retail Sector 18
19 Sektor Industri Pengolahan Rp Milliar/ Billions of Rp 87,895 97,165 102,663 111,406 112,601 128,136 111,104 111,663 112,724 113,171 112,684 113,133 113,159 114,476 115,276 114,443 115,024 128,136 135,619 127,590 127,985 128,209 134,261 127,543 131,206 130,937 131,415 133,163 134,288 133,204 135,619 133,889 134,754 136,895 138,737 139,200 140,871 140,695 141,979 Manufacturing Sector 19
20 Sektor Pertanian, Perburuan, dan Kehutanan Rp Milliar/ Billions of Rp 70,339 82,794 94,110 109,544 130,012 161,456 129,790 131,361 133,924 136,385 137,257 140,065 140,537 143,051 145,459 146,566 147,465 161,456 214,198 164,403 171,619 177,019 182,790 186,811 191,948 194,405 197,473 201,109 204,553 209,748 214,198 211,833 212,674 218,180 220,532 224,346 227,214 229,731 232,563 Agriculture, Hunting and Forestry Sector 20
21 Sektor Transportasi, Pergudangan dan Komunikasi Rp Milliar/ Billions of Rp 29,461 33,370 40,024 44,767 42,710 41,876 41,971 41,743 41,575 41,919 41,786 42,885 42,707 42,666 43,127 41,192 41,032 41,876 45,268 41,461 41,471 41,709 41,716 41,842 41,968 42,212 42,210 43,456 43,231 43,824 45,268 45,725 46,605 47,570 47,171 47,613 49,307 48,572 49,295 Transportation, Storage and Communication Sector 21
22 Sektor Perantara Keuangan Rp Milliar/ Billions of Rp 19,877 20,724 22,755 20,288 15,041 12,385 15,422 15,282 15,057 14,791 14,839 14,860 14,335 14,279 14,349 14,368 14,090 12,385 13,257 13,166 12,741 12,624 12,256 12,849 13,791 13,909 12,639 12,599 12,861 12,726 13,257 12,746 12,448 12,256 12,310 12,328 12,528 13,806 13,834 Financial Intermediary Sector 22
23 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan Rp Milliar/ Billions of Rp 41,905 46,387 52,878 59,047 50,672 48,490 50,469 50,163 50,109 50,150 49,915 49,773 48,703 48,827 49,311 48,236 47,175 48,490 51,024 48,900 48,884 49,240 49,987 50,391 50,288 49,989 48,414 48,893 48,169 49,443 51,024 50,331 50,729 49,638 49,844 50,718 52,298 51,004 51,314 Real Estate, Leasing and Business Services Sector 23
24 Sektor Konstruksi, Pertambangan dan Penggalian Rp Milliar/ Billions of Rp 59,263 63,594 78,986 80,583 67,203 66,552 64,613 63,594 63,425 63,377 63,703 66,240 66,525 67,251 68,193 68,226 66,660 66,552 59,344 61,750 61,252 60,533 62,138 63,282 63,634 63,195 58,261 60,638 60,007 59,963 59,344 55,352 55,896 56,791 57,221 59,265 60,777 62,346 63,145 Construction, Mining, and Quarrying Sector 24
25 Sektor Listrik, Gas dan Air Rp Milliar/ Billions of Rp 3,214 4,175 4,726 6,669 4,039 3,808 3,920 3,971 3,886 3,806 4,029 3,725 3,757 3,630 3,740 3,710 3,738 3,808 3,565 3,635 3,447 3,528 6,183 3,596 3,676 3,541 3,108 3,124 3,185 3,438 3,565 3,557 3,549 3,155 3,246 3,354 3,432 4,217 4,345 Electricity, Gas and Water Sector 25
26 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum Rp Milliar/ Billions of Rp 32,339 34,708 39,253 45,138 50,623 58,603 51,102 51,423 52,153 52,093 52,208 52,734 53,245 53,323 53,437 53,590 54,082 58,603 61,393 59,241 59,731 60,436 55,956 61,184 60,867 61,154 60,003 60,608 61,086 60,840 61,393 60,798 61,095 62,039 62,283 62,800 63,177 63,502 64,330 Accomodation, Food and Beverage Services 26
27 Sektor Lainnya Rp Milliar/ Billions of Rp 60,950 76,834 78,621 85,612 87,663 100,719 87,267 87,781 87,800 88,346 88,340 89,532 86,883 88,469 89,590 90,421 90,950 100,719 111,150 97,976 99,841 101,151 110,450 103,502 105,015 105,467 106,125 107,857 108,279 109,566 111,150 109,995 110,985 113,082 113,758 115,477 117,818 117,904 120,343 Others Sector 27
28 28
29 Jumlah Rekening Kredit Perbankan Juta rekening/ Miliions of Account 41.86 43.02 44.84 47.64 48.92 88.30 48.92 49.50 49.98 50.40 50.79 50.76 53.36 58.27 62.84 73.49 82.11 88.30 123.53 95.49 98.80 107.19 115.36 118.18 123.91 127.88 130.82 131.37 129.24 129.10 123.53 119.88 81.26 81.19 81.30 81.82 81.97 82.08 83.43 Number of Account Credit Bank 29
30 Jumlah Rekening Kredit UMKM Juta rekening/ Miliions of Account 13.64 14.24 14.62 15.92 15.97 33.46 15.89 15.85 15.81 15.91 15.92 16.01 16.68 18.62 20.26 24.09 27.17 33.46 40.73 34.70 36.13 38.86 41.84 41.49 42.26 43.95 44.59 43.91 42.08 41.46 40.73 38.43 25.40 25.53 25.51 25.56 25.48 25.44 25.47 Number of Account MSMEs Credit 30
31 Jumlah Rekening Kredit Usaha Mikro Juta rekening/ Miliions of Account 11.75 12.24 12.45 13.44 11.58 30.63 11.34 11.07 10.77 10.72 10.67 10.63 11.22 13.25 14.97 18.79 21.87 30.63 38.40 31.91 33.30 36.02 39.02 38.65 39.39 41.00 41.64 41.59 39.75 39.15 38.40 36.15 23.09 23.89 23.87 23.94 23.85 23.81 23.84 Number of Account Micro Enterprises Credit 31
32 Jumlah Rekening Kredit Usaha Kecil Juta rekening/ Miliions of Account 1.55 1.67 1.84 2.15 2.10 2.55 2.11 2.12 2.11 2.26 2.34 2.46 2.56 2.64 2.75 2.82 2.91 2.55 2.08 2.51 2.54 2.56 2.54 2.55 2.59 2.66 2.67 2.06 2.07 2.05 2.08 2.03 2.07 1.40 1.41 1.41 1.41 1.41 1.42 Number of Account Small Enterprises Credit 32
33 Jumlah Rekening Kredit Usaha Menengah Juta rekening/ Miliions of Account 0.34 0.33 0.34 0.34 2.29 0.28 2.44 2.67 2.93 2.92 2.91 2.92 2.90 2.73 2.55 2.47 2.39 0.28 0.25 0.28 0.28 0.28 0.28 0.28 0.29 0.29 0.29 0.25 0.26 0.26 0.25 0.25 0.24 0.23 0.23 0.22 0.22 0.22 0.22 Number of Account Medium Enterprises Credit 33
34 Jumlah Rekening Kredit Non UMKM Juta rekening/ Miliions of Account 28.22 28.78 30.22 31.72 32.94 54.84 33.03 33.65 34.17 34.50 34.87 34.75 36.68 39.64 42.58 49.40 54.94 54.84 82.79 60.78 62.68 68.33 73.52 76.69 81.65 83.94 86.23 87.45 87.16 87.65 82.79 81.45 55.86 55.66 55.80 56.25 56.49 56.64 57.95 Number of Account Non MSMEs Credit 34
35 Rasio Rekening Kredit UMKM terhadap Rekening Total Kredit Perbankan % 32.58 33.10 32.61 33.42 32.66 37.89 32.48 32.02 31.63 31.56 31.34 31.54 31.26 31.96 32.24 32.78 33.09 37.89 32.98 36.34 36.57 36.25 36.27 35.11 34.11 34.36 34.09 33.43 32.56 32.11 32.98 32.06 31.26 31.44 31.37 31.25 31.08 30.99 30.54 Ratio Account MSMEs Credit to Account Total Credit 35
36 Rasio Rekening Kredit Usaha Mikro terhadap Rekening Total Kredit UMKM % 86.12 85.93 85.12 84.40 72.48 91.54 71.34 69.81 68.10 67.41 67.01 66.39 67.26 71.15 73.87 78.02 80.49 91.54 94.27 91.95 92.18 92.69 93.25 93.16 93.20 93.30 93.37 94.72 94.48 94.44 94.27 94.07 90.88 93.60 93.57 93.63 93.61 93.58 93.57 Ratio Account Micro Enterprises Credit to Account Total MSMEs Credit 36
37 Rasio Rekening Kredit Usaha Kecil terhadap Rekening Total Kredit UMKM % 11.35 11.76 12.59 13.48 13.16 7.63 13.30 13.37 13.37 14.22 14.73 15.38 15.36 14.17 13.56 11.73 10.70 7.63 5.11 7.24 7.04 6.58 6.07 6.15 6.13 6.05 5.99 4.70 4.91 4.94 5.11 5.29 8.16 5.49 5.53 5.51 5.53 5.56 5.58 Ratio Account Small Enterprises Credit to Account Total MSMEs Credit 37
38 Rasio Rekening Kredit Usaha Menengah terhadap Rekening Total Kredit UMKM % 2.53 2.30 2.29 2.12 14.36 0.83 15.35 16.82 18.53 18.37 18.26 18.23 17.39 14.68 12.57 10.26 8.81 0.83 0.62 0.81 0.78 0.73 0.68 0.68 0.68 0.65 0.64 0.58 0.61 0.62 0.62 0.64 0.96 0.91 0.89 0.86 0.86 0.86 0.85 Ratio Account Medium Enterprises Credit to Account Total MSMEs Credit 38
39 Rata-rata Baki Debet Kredit Usaha Mikro per Rekening Rp Juta/ Millions of Rp 16.65 18.09 20.19 21.11 21.35 12.73 20.98 20.94 20.83 20.81 20.76 20.79 19.36 16.72 15.06 12.16 10.62 12.73 13.87 12.50 12.27 11.63 11.22 11.35 11.34 10.88 10.75 12.21 12.93 13.35 13.87 14.87 23.45 25.03 25.27 25.63 26.05 26.37 26.63 Average Outstanding Micro Enterprise Credit per Account 39
40 Rata-rata Baki Debet Kredit Usaha Kecil per Rekening Rp Juta/ Millions of Rp 165 169 170 160 168 180 168 168 171 166 163 159 155 155 152 150 148 180 224 180 181 182 186 186 186 184 184 221 222 226 224 230 227 317 314 316 318.58 318.60 319.21 Average Outstanding Small Enterprise Credit per Account 40
41 Rata-rata Baki Debet Kredit Usaha Menengah per Rekening Rp Juta/ Millions of Rp 1,178 1,335 1,401 1,432 214 1,342 199 185 172 170 170 170 168 177 189 192 195 1,342 1,394 1,304 1,295 1,299 1,286 1,297 1,299 1,281 1,259 1,381 1,367 1,364 1,394 1,329 1,347 1,368 1,392 1,457 1,479 1,475 1,503 Average Outstanding Medium Enterprise Credit per Account 41
42 42
43 Pertumbuhan Kredit UMKM %, yoy 8.42 9.96 9.58 7.62 -1.81 12.11 -1.74 -2.95 -2.89 -0.97 1.57 2.14 1.86 2.62 2.89 2.97 3.29 12.11 10.45 13.04 14.23 14.89 16.69 16.91 17.31 18.05 16.74 17.09 17.47 18.18 10.45 9.34 8.58 8.62 6.82 7.60 7.33 7.57 8.88 Growth of MSMEs Credit 43
45 Kredit Usaha Mikro %, yoy 10.89 13.18 13.52 12.88 -12.88 57.74 -16.26 -22.82 -26.68 -25.87 -22.78 -22.36 -21.59 -18.24 -15.13 -12.13 -8.79 57.74 36.63 67.72 76.35 86.78 96.19 98.19 102.12 105.33 102.11 125.33 124.94 125.18 36.63 34.77 32.47 42.72 37.72 39.81 39.11 40.73 41.78 Micro Enterprises Credit 45
46 Kredit Usaha Kecil %, yoy 11.08 10.67 10.36 10.17 2.71 30.19 4.45 3.77 4.40 9.85 13.21 15.27 16.89 18.98 19.77 20.76 22.65 30.19 1.51 27.17 28.74 28.84 26.24 24.25 23.41 23.15 20.57 9.20 7.92 7.42 1.51 3.67 2.73 -4.83 -6.18 -6.10 -6.80 -7.84 -7.69 Small Enterprises Credit 46
47 Kredit Usaha Menengah %, yoy 5.69 7.97 7.08 3.11 1.46 -23.86 2.53 4.82 7.23 7.25 8.30 7.63 4.84 2.72 0.58 -1.86 -4.34 -23.86 -5.88 -24.17 -25.48 -27.15 -26.26 -25.29 -25.26 -24.93 -25.58 -26.80 -25.78 -25.10 -5.88 -11.30 -10.69 -13.24 -13.34 -13.15 -12.58 -12.21 -9.42 Medium Enterprises Credit 47
49 Kredit Modal Kerja %, yoy 9.21 11.85 9.87 4.49 -0.18 16.03 -0.02 -1.08 -0.60 1.19 3.91 4.10 4.05 4.70 4.75 4.88 5.30 16.03 9.52 17.93 16.42 17.01 17.74 19.04 19.37 22.68 20.21 21.06 20.92 20.15 9.52 7.70 8.77 8.17 7.22 6.38 5.73 3.19 5.06 Working Capital Credit 49
50 Kredit Investasi %, yoy 6.36 4.93 8.75 16.62 -6.02 1.40 -6.05 -7.65 -8.64 -6.42 -4.39 -2.90 -3.79 -2.79 -1.98 -2.09 -2.07 1.40 13.34 0.03 8.34 9.09 13.80 11.00 11.63 5.13 7.07 5.91 7.68 12.56 13.34 14.49 8.02 9.92 5.67 11.24 12.10 21.83 20.88 Investment Credit 50
52 Sektor Perdagangan Besar dan Eceran %, yoy 9.45 6.84 7.46 5.72 -3.21 13.33 -3.57 -3.80 -3.22 -1.44 1.18 0.96 0.83 1.45 1.72 2.48 3.52 13.33 9.15 14.95 16.00 16.71 17.14 18.65 19.14 19.53 19.12 19.04 18.66 18.72 9.15 7.94 7.26 6.92 6.07 5.28 4.75 4.96 5.30 Wholesale and Retail Sector 52
53 Sektor Industri Pengolahan %, yoy 10.68 10.55 5.66 8.52 1.07 13.80 0.31 -3.15 -4.45 -3.29 -0.13 0.58 0.59 1.36 2.07 0.45 1.97 13.80 5.84 14.84 14.62 13.74 18.64 13.19 15.98 15.71 14.80 15.52 17.34 15.81 5.84 4.94 5.29 6.78 3.33 9.14 7.37 7.45 8.04 Manufacturing Sector 53
54 Sektor Pertanian, Perburuan, dan Kehutanan %, yoy 9.59 17.71 13.67 16.40 18.68 24.19 17.54 15.08 15.14 17.49 19.97 19.43 17.52 18.01 17.29 16.78 14.94 24.19 32.67 26.67 30.65 32.18 34.03 36.10 37.04 38.33 38.04 38.26 39.56 42.24 32.67 28.85 23.92 23.25 20.65 20.09 18.37 18.17 17.77 Agriculture, Hunting and Forestry Sector 54
55 Sektor Transportasi, Pergudangan dan Komunikasi %, yoy 2.20 13.27 19.94 11.85 -4.59 -1.95 -7.47 -9.54 -10.72 -6.33 -4.66 -1.78 -0.98 -0.34 0.35 -4.19 -3.47 -1.95 8.10 -1.21 -0.65 0.32 -0.49 0.13 -2.14 -1.16 -1.07 0.76 4.95 6.80 8.10 10.28 12.38 14.05 13.08 13.79 17.49 15.07 16.79 Transportation, Storage and Communication Sector 55
56 Sektor Perantara Keuangan %, yoy -4.68 4.26 9.80 -10.84 -25.86 -17.66 -23.00 -26.46 -27.09 -27.03 -20.79 -24.89 -19.15 -10.40 -11.49 -10.10 -8.68 -17.66 7.04 -14.63 -16.62 -16.16 -17.14 -13.41 -7.19 -2.97 -11.48 -12.20 -10.49 -9.68 7.04 -3.19 -2.30 -2.92 0.44 -4.05 -9.16 -0.74 9.45 Financial Intermediary Sector 56
57 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan %, yoy 5.73 10.70 13.99 11.67 -14.18 -4.31 -12.09 -12.20 -12.72 -10.03 -9.25 -7.45 -8.00 -7.16 -6.35 -5.96 -7.49 -4.31 5.22 -3.11 -2.55 -1.73 -0.32 0.95 1.03 2.64 -0.85 -0.85 -0.14 4.81 5.22 2.93 3.77 0.81 -0.29 0.65 4.00 2.03 5.99 Real Estate, Leasing and Business Services Sector 57
58 Sektor Konstruksi, Pertambangan dan Penggalian %, yoy 10.23 7.31 24.20 2.02 -16.60 -0.97 -14.07 -15.72 -16.35 -13.44 -10.62 -5.24 -5.38 -5.51 -4.46 -4.13 -5.02 -0.97 -10.83 -4.43 -3.68 -4.56 -1.95 -0.66 -3.93 -5.00 -13.37 -11.08 -12.05 -10.05 -10.83 -10.36 -8.74 -6.18 -7.91 -6.35 -4.49 -1.34 8.38 Construction, Mining, and Quarrying Sector 58
59 Sektor Listrik, Gas dan Air %, yoy 24.53 29.89 13.20 41.13 -39.43 -5.73 -39.38 -40.03 -36.43 -35.85 -31.63 -36.05 -26.09 -19.43 -10.58 -8.13 -5.62 -5.73 -6.38 -7.27 -13.21 -9.22 62.45 -10.75 -1.32 -5.74 -14.38 -16.47 -14.14 -8.04 -6.38 -2.15 2.97 -10.57 -47.50 -6.74 -6.64 19.07 39.78 Electricity, Gas and Water Sector 59
60 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum %, yoy 18.62 7.33 13.10 14.99 12.15 15.76 12.30 11.33 10.96 10.63 11.84 11.82 10.82 9.25 7.81 7.37 6.49 15.76 4.76 15.93 16.15 15.88 7.41 17.19 15.42 14.85 12.53 13.42 13.99 12.50 4.76 2.63 2.28 2.65 11.31 2.64 3.80 3.84 7.21 Accomodation, Food and Beverages Services 60
61 61
62 NPL Kredit UMKM % 4.15 4.09 3.44 3.61 3.95 3.82 4.15 4.28 4.22 4.40 4.41 4.33 4.66 4.64 4.47 4.42 4.37 3.82 3.41 4.04 4.15 3.99 4.37 4.34 4.08 4.22 4.08 3.85 3.88 3.76 3.41 3.74 3.84 3.72 3.84 3.91 3.69 3.98 3.99 NPL MSMEs Credit 62
63 NPL Kredit UMKM Berdasarkan Klasifikasi Usaha NPL MSMEs Credit Based on Enterprises Classification 63
64 Kredit Usaha Mikro % 2.10 2.01 1.74 1.79 1.87 2.18 2.14 2.42 2.58 3.03 3.15 3.05 3.42 3.24 3.32 3.36 3.37 2.18 2.08 2.37 2.55 2.47 3.34 2.86 2.77 2.86 2.79 2.48 2.53 2.31 2.08 2.40 2.59 2.53 2.59 2.58 2.45 2.70 2.79 Micro Enterprises Credit 64
65 Kredit Usaha Kecil % 4.30 4.13 3.74 3.52 3.51 3.31 3.67 3.81 3.74 3.71 3.76 3.68 3.99 3.99 3.77 3.60 3.53 3.31 3.47 3.54 3.65 3.57 3.78 4.04 3.77 3.84 3.86 3.92 3.94 3.90 3.47 3.83 3.94 3.90 4.17 4.40 3.96 4.37 4.47 Small Enterprises Credit 65
66 Kredit Usaha Menengah % 5.06 5.11 4.15 4.73 5.31 6.17 5.50 5.49 5.31 5.55 5.48 5.42 5.75 5.83 5.61 5.66 5.64 6.17 5.34 6.46 6.54 6.26 6.38 6.50 6.07 6.37 5.99 5.75 5.78 5.75 5.34 5.82 5.76 5.71 5.75 5.76 5.70 5.93 5.64 Medium Enterprises Credit 66
67 67
68 BANK PERKREDITAN RAKYAT (KONVENSIONAL DAN SYARIAH) RURAL BANKS (CONVENTIONAL AND SHARIA) 68
69 Kredit UMKM terhadap PDB Harga Berlaku % 1.36 1.37 1.41 1.50 1.51 1.38 - - 1.52 * - - 1.48 * - - 1.47 * - - 1.38 * 1.42 - - 1.46 * - - 1.39 * - - 1.38 * - - 1.42 * - - 1.48 * - - 1.49 * - - MSMEs Credit to GDP at Current Price 69
70 Kredit UMKM terhadap Total Kredit BPR % 47.00 47.11 47.47 48.37 46.63 48.07 46.66 46.60 46.59 46.61 46.78 47.11 47.01 47.18 47.78 47.96 47.92 48.07 48.01 48.06 46.96 47.00 47.22 47.36 47.43 47.58 47.51 47.50 47.65 47.81 48.01 48.10 47.99 48.21 47.03 47.55 47.66 48.75 48.63 MSMEs Credit to Total Credit Rural Banks 70
71 Kredit Usaha Mikro terhadap Total Kredit UMKM % 52.75 49.41 46.72 44.44 40.19 36.19 39.41 39.66 39.23 39.53 39.13 39.08 38.73 38.18 37.38 37.16 36.77 36.19 35.11 36.56 36.73 36.39 36.86 36.42 36.32 35.97 35.67 35.77 35.75 35.57 35.11 35.23 35.10 36.79 37.03 37.00 36.97 36.97 36.68 Micro Enterprises Credit to Total MSMEs Credit 71
72 Kredit Usaha Kecil terhadap Total Kredit UMKM % 25.58 26.82 26.78 27.42 29.21 30.59 29.67 29.66 29.70 29.76 29.87 29.62 29.57 29.53 29.91 30.35 30.40 30.59 29.57 30.54 30.33 30.21 30.22 30.39 30.24 30.30 30.12 29.93 29.86 29.82 29.57 29.30 29.01 29.51 29.50 29.51 29.70 29.81 30.27 Small Enterprises Credit To Total MSMEs Credit 72
73 Kredit Usaha Menengah terhadap Total Kredit UMKM % 21.66 23.78 26.49 28.14 30.60 33.22 30.91 30.68 31.07 30.71 31.00 31.30 31.70 32.28 32.72 32.48 32.83 33.22 35.32 32.90 32.95 33.40 32.93 33.19 33.44 33.73 34.21 34.30 34.39 34.61 35.32 35.47 35.89 33.70 33.47 33.49 33.33 33.22 33.05 Medium Enterprises Credit to Total MSMEs Credit 73
74 74
75 Baki Debet Kredit UMKM Rp Milliar/ Billions of Rp 43,392 47,990 53,439 60,342 59,482 62,257 59,514 59,856 60,350 60,988 61,139 61,843 61,765 62,195 63,420 63,968 63,711 62,257 72,400 60,963 64,775 65,784 67,344 66,006 68,175 67,052 69,476 69,731 70,479 71,297 72,400 72,559 73,595 75,027 75,287 77,120 77,973 77,850 78,081 Outstanding MSMEs Credit 75
77 Kredit Usaha Mikro Rp Milliar/ Billions of Rp 22,891 23,710 24,968 26,814 23,906 22,531 23,457 23,738 23,676 24,107 23,923 24,170 23,922 23,747 23,703 23,772 23,429 22,531 25,417 22,288 23,790 23,936 24,820 24,038 24,760 24,117 24,784 24,943 25,198 25,361 25,417 25,563 25,832 27,604 27,876 28,532 28,830 28,782 28,643 Micro Enterprises Credit 77
78 Kredit Usaha Kecil Rp Milliar/ Billions of Rp 11,101 12,869 14,313 16,545 17,377 19,046 17,661 17,754 17,925 18,151 18,260 18,319 18,265 18,369 18,968 19,417 19,366 19,046 21,408 18,616 19,645 19,873 20,349 20,057 20,616 20,316 20,924 20,870 21,043 21,260 21,408 21,262 21,347 22,140 22,213 22,760 23,159 23,204 23,632 Small Enterprises Credit 78
79 Kredit Usaha Menengah Rp Milliar/ Billions of Rp 9,401 11,411 14,158 16,983 18,199 20,681 18,396 18,364 18,749 18,730 18,955 19,354 19,579 20,079 20,748 20,779 20,916 20,681 25,575 20,059 21,340 21,975 22,175 21,911 22,799 22,620 23,768 23,918 24,238 24,677 25,575 25,734 26,416 25,284 25,199 25,828 25,985 25,865 25,806 Medium Enterprises Credit 79
81 Kredit Modal Kerja Rp Milliar/ Billions of Rp 37,076 40,929 45,560 51,225 50,466 53,080.28 50,520 50,726 51,391 51,939 52,141 52,807 52,726 52,965 54,012 54,399 54,176 53,080 61,546.93 51,856 55,010 56,041 57,482 56,421 58,173 57,195 59,081 59,299 59,872 60,555 61,547 61,399 62,350 63,719 64,156 65,633 66,428 66,258 66,407 Working Capital Credit 81
82 Kredit Investasi Rp Milliar/ Billions of Rp 6,316 7,061 7,880 9,117 9,016 9,176.97 8,994 9,131 8,959 9,049 8,997 9,036 9,039 9,230 9,407 9,569 9,535 9,177 10,852.79 9,107 9,765 9,743 9,862 9,586 10,002 9,857 10,395 10,432 10,607 10,742 10,853 11,160 11,244 11,308 11,131 11,488 11,545 11,593 11,674 Investment Credit 82
83 83
85 Sektor Perdagangan Besar dan Eceran Rp Milliar/ Billions of Rp 21,940 23,701 25,761 24,461 23,175 24,637 23,224 23,342 24,073 24,018 23,993 24,347 24,443 24,442 25,038 25,061 24,759 24,637 29,873 24,323 25,174 25,296 28,449 27,829 28,246 28,287 29,162 29,007 29,139 29,362 29,873 29,793 30,243 30,937 31,074 31,888 32,035 31,753 31,586 Wholesale and Retail Sector 85
86 Sektor Industri Pengolahan Rp Milliar/ Billions of Rp 1,050 1,229 1,609 2,228 2,512 2,779 2,587 2,587 2,620 2,661 2,696 2,694 2,686 2,695 2,739 2,708 2,754 2,779 4,402 2,905 3,232 3,282 3,787 3,733 3,880 3,851 4,024 4,171 4,294 4,354 4,402 4,466 4,627 4,704 4,667 4,952 5,034 5,150 5,213 Manufacturing Sector 86
87 Sektor Pertanian, Perburuan, dan Kehutanan Rp Milliar/ Billions of Rp 5,227 5,647 5,846 6,245 6,229 6,903 6,287 6,510 6,393 6,504 6,511 6,563 6,549 6,625 6,886 6,936 6,926 6,903 9,372 7,098 7,270 7,513 8,565 8,433 8,887 8,749 8,899 8,693 8,944 8,981 9,372 9,580 9,600 9,818 9,905 9,682 9,684 9,480 9,341 Agriculture, Hunting and Forestry Sector 87
88 Sektor Transportasi, Pergudangan dan Komunikasi Rp Milliar/ Billions of Rp 1,549 1,767 2,104 2,556 3,068 2,839 3,066 3,047 2,843 3,107 3,124 3,114 3,085 3,067 3,005 3,256 3,211 2,839 4,072 2,800 2,774 2,851 3,431 3,495 3,611 3,660 3,779 3,790 3,886 3,929 4,072 4,105 4,197 4,422 4,707 4,900 5,042 5,035 5,069 Transportation, Storage and Communication Sector 88
89 Sektor Perantara Keuangan Rp Milliar/ Billions of Rp 239 268 447 557 634 789 627 634 668 714 706 822 815 808 796 775 780 789 1,825 889 985 1,111 1,454 1,430 1,518 1,542 1,665 1,662 1,691 1,686 1,825 1,813 1,865 2,041 2,143 2,250 2,281 2,343 2,400 Financial Intermediary Sector 89
90 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan Rp Milliar/ Billions of Rp 2,024 2,433 2,777 3,278 4,268 4,354 4,371 4,411 4,378 4,360 4,401 4,462 4,112 4,213 4,272 4,394 4,405 4,354 6,097 4,079 4,643 4,718 5,589 5,559 5,666 5,380 5,845 5,892 5,940 6,031 6,097 6,128 6,254 6,349 6,344 6,540 6,687 6,839 6,980 Real Estate, Leasing and Business Services Sector 90
91 Sektor Konstruksi, Pertambangan dan Penggalian Rp Milliar/ Billions of Rp 2,633 3,375 4,498 5,045 5,547 6,150 5,330 5,386 5,507 5,595 5,686 5,700 5,855 5,998 6,262 6,380 6,502 6,150 9,541 6,061 6,738 6,845 7,801 7,593 8,192 8,066 8,758 8,982 9,179 9,428 9,541 9,442 9,776 10,060 10,258 10,709 10,989 11,185 11,547 Construction, Mining and Quarrying Sector 91
92 Sektor Listrik, Gas dan Air Rp Milliar/ Billions of Rp 81.59 99.37 138 119 156 161 163 143 145 157 143 145 139 139 142 142 164 161 196 147 158 168 201 190 200 205 178 176 181 191 196 198 199 227 204 237 282 219 251 Electricity, Gas and Water Sector 92
93 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum Rp Milliar/ Billions of Rp 682 866 1,038 1,547 1,879 1,978 1,889 1,889 1,898 1,903 1,911 1,951 1,983 1,989 1,986 1,983 2,005 1,978 3,269 2,140 2,269 2,294 2,958 2,924 2,988 2,843 3,029 3,108 3,198 3,247 3,269 3,348 3,428 3,508 3,556 3,656 3,688 3,699 3,743 Accomodation, Food and Beverages Services 93
94 Sektor Lainnya Rp Milliar/ Billions of Rp 7,965 8,606 9,221 14,306 12,014 11,667 11,970 11,908 11,825 11,969 11,969 12,043 12,098 12,218 12,294 12,333 12,206 11,667 3,752 10,522 11,533 11,708 5,111 4,820 4,987 4,469 4,138 4,249 4,027 4,088 3,752 3,687 3,407 2,962 2,427 2,306 2,251 2,147 1,952 Others Sector 94
95 95
96 Jumlah Rekening Kredit BPR Juta rekening/ Miliions of Account 3.45 3.14 3.12 3.18 2.94 2.69 2.92 2.93 2.93 2.95 2.93 2.91 2.90 2.89 2.89 2.89 2.84 2.69 3.02 2.64 2.91 2.94 3.01 2.93 3.03 2.94 3.05 3.02 3.04 3.04 3.02 3.03 3.06 3.08 3.11 3.10 3.10 3.05 3.04 Number of Account Credit Rural Banks 96
97 Jumlah Rekening Kredit UMKM Juta rekening/ Miliions of Account 1.72 1.68 1.68 1.78 1.56 1.46 1.56 1.56 1.55 1.57 1.56 1.56 1.56 1.55 1.58 1.57 1.53 1.46 1.54 1.43 1.55 1.56 1.50 1.45 1.52 1.47 1.53 1.54 1.55 1.55 1.54 1.55 1.53 1.56 1.55 1.55 1.54 1.52 1.51 Number of Account MSMEs Credit 97
98 Jumlah Rekening Kredit Usaha Mikro Juta rekening/ Miliions of Account 1.53 1.47 1.46 1.52 1.29 1.19 1.28 1.28 1.28 1.29 1.28 1.28 1.29 1.28 1.27 1.27 1.25 1.19 1.30 1.16 1.27 1.27 1.25 1.20 1.27 1.22 1.27 1.29 1.30 1.30 1.30 1.31 1.29 1.31 1.30 1.31 1.30 1.29 1.28 Number of Account Micro Enterprises Credit 98
99 Jumlah Rekening Kredit Usaha Kecil Juta rekening/ Miliions of Account 0.16 0.18 0.19 0.23 0.23 0.23 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.26 0.26 0.24 0.23 0.21 0.23 0.24 0.24 0.22 0.22 0.22 0.22 0.22 0.22 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.20 0.20 Number of Account Small Enterprises Credit 99
100 Jumlah Rekening Kredit Usaha Menengah Juta rekening/ Miliions of Account 0.03 0.03 0.03 0.04 0.03 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.03 0.04 0.03 0.03 0.04 0.03 0.03 0.03 0.03 0.03 0.04 0.03 0.03 0.04 0.04 0.03 0.03 Number of Account Medium Enterprises Credit 100
TABEL 20. INDIKATOR UMKM/
TABLE 20. INDICATORS OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs)
101 Jumlah Rekening Kredit Non UMKM Juta rekening/ Miliions of Account 1.72 1.46 1.45 1.39 1.38 1.23 1.36 1.37 1.38 1.38 1.37 1.36 1.34 1.34 1.31 1.32 1.30 1.23 1.48 1.21 1.36 1.38 1.51 1.47 1.51 1.46 1.52 1.48 1.49 1.49 1.48 1.48 1.53 1.52 1.56 1.55 1.56 1.52 1.53 Number of Account Non MSMEs Credit 101
102 Rasio Rekening Kredit UMKM terhadap Rekening Total Kredit Perbankan % 50.00 53.60 53.64 56.13 53.01 54.32 53.39 53.26 52.91 53.17 53.18 53.41 53.71 53.68 54.66 54.41 54.05 54.32 51.03 54.21 53.18 53.12 49.84 49.63 50.18 50.21 50.12 50.95 51.01 51.07 51.03 51.28 50.14 50.49 49.79 50.05 49.68 49.97 49.71 Ratio Account MSMEs Credit to Account Total Credit 102
103 Rasio Rekening Kredit Usaha Mikro terhadap Rekening Total Kredit UMKM % 88.90 87.44 86.85 85.01 83.15 81.52 82.24 82.39 82.31 82.24 82.21 82.13 82.41 82.52 80.46 80.87 81.56 81.52 84.24 81.26 81.91 81.70 83.08 82.53 83.38 83.00 83.32 83.75 83.98 84.06 84.24 84.40 84.24 84.41 84.26 84.51 84.34 84.57 84.49 Ratio Account Micro Enterprises Credit to Account Total MSMEs Credit 103
104 Rasio Rekening Kredit Usaha Kecil terhadap Rekening Total Kredit UMKM % 9.54 10.85 11.19 13.01 14.62 15.97 15.35 15.37 15.45 15.52 15.54 15.59 15.31 15.17 16.70 16.70 15.95 15.97 13.49 16.09 15.52 15.41 14.59 14.95 14.36 14.69 14.39 14.00 13.78 13.70 13.49 13.35 13.45 13.35 13.49 13.21 13.37 13.15 13.26 Ratio Account Small Enterprises Credit to Account Total MSMEs Credit 104
105 Rasio Rekening Kredit Usaha Menengah terhadap Rekening Total Kredit UMKM % 1.56 1.71 1.96 1.98 2.24 2.51 2.42 2.24 2.25 2.24 2.25 2.29 2.28 2.31 2.84 2.43 2.48 2.51 2.26 2.66 2.57 2.88 2.32 2.53 2.26 2.30 2.29 2.25 2.24 2.24 2.26 2.25 2.30 2.24 2.25 2.28 2.29 2.28 2.26 Ratio Account Medium Enterprises Credit to Account Total MSMEs Credit 105
106 Rata-rata Baki Debet Kredit Usaha Mikro per Rekening Rp Juta/ Millions of Rp 14.93 16.12 17.16 17.68 18 19 18 18 19 19 19 19 19 19 19 19 19 19 20 19 19 19 20 20 20 20 19 19 19 19 20 20 20 21 21 22 22 22 22 Average Outstanding Micro Enterprise Credit per Account 106
107 Rata-rata Baki Debet Kredit Usaha Kecil per Rekening Rp Juta/ Millions of Rp 67.44 70.52 76.32 71.27 76 81 74 74 75 75 75 76 77 78 72 74 79 81 103 81 82 83 93 92 94 94 95 97 99 100 103 103 103 107 106 111 113 116 118 Average Outstanding Small Enterprise Credit per Account 107
108 Rata-rata Baki Debet Kredit Usaha Menengah per Rekening Rp Juta/ Millions of Rp 350 396 431 482 523 563 488 526 538 535 539 544 552 560 464 543 549 563 734 528 536 489 636 597 663 667 677 690 699 710 734 737 748 726 723 730 736 745 757 Average Outstanding Medium Enterprise Credit per Account 108
109 109
110 Pertumbuhan Kredit UMKM %, yoy 7.97 10.60 11.36 12.92 -1.43 4.67 -1.34 -1.97 -2.00 -1.02 12.87 2.92 3.48 3.74 5.87 6.72 6.20 4.67 16.29 2.43 8.22 9.00 10.42 7.96 10.24 8.56 11.71 9.95 10.18 11.91 16.29 19.02 13.62 14.05 11.80 16.84 14.37 16.10 12.39 Growth of MSMEs Credit 110
112 Kredit Usaha Mikro %, yoy 0.79 3.58 5.31 7.39 -10.85 -5.75 -12.12 -11.91 -12.37 -10.66 -0.63 -3.34 -2.20 -2.10 -3.11 -3.41 -3.52 -5.75 12.81 -4.98 0.22 1.10 2.96 0.48 2.44 0.82 4.37 5.23 6.00 8.24 12.81 14.69 8.58 15.32 12.31 18.69 16.44 19.35 15.57 Micro Enterprises Credit 112
113 Kredit Usaha Kecil %, yoy 21.14 15.93 11.22 15.59 5.03 9.60 7.57 6.10 6.50 7.80 22.68 5.18 4.85 4.75 8.64 12.78 9.96 9.60 12.40 5.41 10.65 10.87 12.11 9.84 12.54 11.23 13.91 10.02 8.38 9.78 12.40 14.21 8.66 11.41 9.16 13.48 12.33 14.22 12.94 Small Enterprises Credit 113
114 Kredit Usaha Menengah %, yoy 13.08 21.38 24.08 19.95 7.16 13.64 6.88 5.68 5.73 5.24 24.64 9.54 9.95 10.58 15.39 14.72 15.57 13.64 23.67 9.04 16.21 17.21 18.39 15.59 17.80 15.53 18.37 15.28 16.65 17.98 23.67 28.30 23.78 15.06 13.64 17.88 13.97 14.35 8.57 Medium Enterprises Credit 114
116 Kredit Modal Kerja %, yoy 7.92 10.39 11.31 12.43 -1.48 5.18 -1.38 -2.34 -1.90 -1.00 11.85 3.00 3.59 3.78 6.37 7.26 6.40 5.18 15.95 2.64 8.45 9.05 10.67 8.21 10.16 8.48 11.55 9.79 10.06 11.77 15.95 18.40 13.34 13.70 11.61 16.33 14.19 15.84 12.40 Working Capital Credit 116
117 Kredit Investasi %, yoy 8.24 11.79 11.60 15.70 -1.11 1.79 -1.10 0.14 -2.56 -1.15 19.15 2.42 2.85 3.54 3.07 3.74 5.07 1.79 18.26 1.26 6.95 8.74 8.98 6.54 10.68 9.04 12.62 10.89 10.85 12.66 18.26 22.54 15.15 16.07 12.87 19.84 15.43 17.62 12.31 Investment Credit 117
119 Sektor Perdagangan Besar dan Eceran %, yoy 9.49 8.02 8.69 -5.05 -5.26 6.31 -4.34 -4.44 -2.45 -1.70 5.97 1.54 2.69 3.09 4.14 3.83 4.22 6.31 21.25 4.73 7.85 5.08 18.45 15.99 16.01 15.73 19.31 15.85 16.27 18.59 21.25 22.49 20.14 22.30 9.23 14.58 13.42 12.26 8.31 Wholesale and Retail Sector 119
120 Sektor Industri Pengolahan %, yoy 9.12 17.01 30.92 38.49 12.78 10.62 20.59 16.77 19.38 19.74 29.54 18.87 11.50 9.64 10.11 8.62 9.14 10.62 58.39 12.29 24.95 25.25 42.34 38.45 44.01 43.34 49.30 52.30 58.54 58.13 58.39 53.74 43.15 43.34 23.22 32.64 29.74 33.75 29.56 Manufacturing Sector 120
121 Sektor Pertanian, Perburuan, dan Kehutanan %, yoy 6.34 8.02 3.53 6.82 -0.26 10.83 0.02 -0.08 -3.16 -0.71 5.36 6.14 11.15 7.90 14.93 14.45 14.08 10.83 35.77 12.91 11.68 17.51 31.69 29.52 35.40 33.59 34.32 26.25 28.94 29.68 35.77 34.96 32.05 30.69 15.65 14.82 8.97 8.36 4.97 Agriculture, Hunting and Forestry Sector 121
122 Sektor Transportasi, Pergudangan dan Komunikasi %, yoy 14.53 14.06 19.07 21.45 20.04 -7.45 17.14 14.11 5.57 12.79 32.46 11.11 7.61 7.38 3.87 10.74 6.91 -7.45 43.43 -8.69 -8.96 0.30 10.42 11.90 15.96 18.62 23.19 26.12 19.34 22.35 43.43 46.62 51.30 55.10 37.19 40.19 39.62 37.59 34.14 Transportation, Storage and Communication Sector 122
123 Sektor Perantara Keuangan %, yoy 0.76 11.79 67.19 24.54 13.72 24.56 -9.99 -9.53 -5.95 1.24 7.65 13.26 11.25 15.22 9.99 28.21 23.99 24.56 131.28 41.66 55.41 66.21 103.54 102.53 84.62 89.31 106.06 108.93 118.29 116.17 131.28 103.98 89.30 83.80 47.46 57.34 50.25 51.96 44.12 Financial Intermediary Sector 123
124 Sektor Real Estate, Usaha Persewaan dan Jasa Perusahaan %, yoy 2.91 20.23 14.11 18.08 30.19 2.00 14.14 14.42 10.17 9.88 53.17 10.83 1.03 1.10 4.06 5.89 3.33 2.00 40.05 -6.69 5.25 7.76 28.19 26.31 26.98 30.85 38.74 37.93 35.17 36.91 40.05 50.24 34.70 34.58 13.52 17.65 18.00 27.12 19.42 Real Estate, Leasing and Business Services Sector 124
125 Sektor Konstruksi, Pertambangan dan Penggalian %, yoy 19.80 28.16 33.28 12.17 9.94 10.87 7.59 4.86 6.62 6.93 29.86 10.60 11.32 11.59 17.17 18.13 18.14 10.87 55.14 13.73 25.11 24.30 39.43 33.55 43.71 37.77 46.01 43.42 43.88 45.01 55.14 55.77 45.09 46.97 31.51 41.04 34.14 38.66 31.85 Construction, Mining, and Quarrying Sector 125
126 Sektor Listrik, Gas dan Air %, yoy 17.77 21.79 39.14 -13.98 30.92 3.52 37.90 18.92 20.91 26.92 20.27 17.21 7.06 9.21 8.91 6.10 3.45 3.52 21.79 -10.08 10.02 15.72 27.63 32.99 38.13 47.15 27.70 23.71 28.00 16.35 21.79 35.15 25.98 35.16 1.91 25.11 41.14 6.49 40.83 Electricity, Gas and Water Sector 126
127 Sektor Penyediaan Akomodasi dan Penyediaan Makan Minum %, yoy 20.08 26.90 19.83 49.02 21.49 5.28 16.68 16.81 16.90 12.87 27.71 10.45 9.01 8.21 8.36 8.33 8.16 5.28 65.26 13.30 20.15 20.85 55.39 53.02 53.15 43.39 52.27 56.52 61.26 61.94 65.26 56.46 51.09 52.93 20.25 25.06 23.44 30.10 23.57 Accomodation, Food and Beverages Services 127
128 128
129 NPL Kredit UMKM % 4.15 9.46 9.48 10.77 11.01 9.29 11.27 11.24 11.35 10.36 10.67 10.41 10.67 10.61 10.45 10.54 10.29 9.29 10.73 9.77 10.06 10.18 10.38 11.28 10.73 10.65 11.02 11.24 11.91 11.62 10.73 11.41 11.53 11.58 12.15 12.46 12.46 12.97 13.19 NPL MSMEs Credit 129
130 NPL Kredit UMKM Berdasarkan Klasifikasi Usaha NPL MSMEs Credit Based on Enterprises Classification 130
131 Kredit Usaha Mikro % 2.10 10.36 10.38 12.31 12.21 10.29 12.56 12.52 12.45 11.17 11.43 11.29 11.61 11.80 11.54 11.62 11.18 10.29 11.15 10.82 10.94 10.92 11.27 11.91 11.63 11.77 11.79 11.69 11.78 11.77 11.15 11.82 12.07 12.33 13.03 13.48 13.49 14.07 14.43 Micro Enterprises Credit 131
132 Kredit Usaha Kecil % 4.30 9.92 10.65 10.71 11.50 9.70 11.63 11.45 11.76 10.88 11.15 10.86 10.98 10.98 11.06 11.13 10.80 9.70 10.58 10.11 10.38 10.29 10.71 11.14 11.11 10.80 11.26 11.21 11.38 11.21 10.58 11.38 11.48 11.09 11.55 12.05 11.88 12.44 12.67 Small Enterprises Credit 132
133 Kredit Usaha Menengah % 5.06 7.07 6.71 8.30 8.91 7.75 9.21 9.30 9.50 8.77 9.18 8.84 9.15 8.76 8.56 8.64 8.74 7.75 10.42 8.22 8.72 9.23 9.10 10.72 9.42 9.31 10.02 10.79 12.51 11.82 10.42 11.02 11.05 11.18 11.70 11.69 11.84 12.23 12.30 Medium Enterprises Credit 133
Keterangan: Note:
- GDP as denominator is at current price
- PDB dalam perhitungan rasio menggunakan PDB Harga Berlaku.
- Read more SME's data on Bank Indonesia Website (http://www.bi.go.id/id/umkm/Default.aspx)

- Info selengkapnya terkait UMKM lihat pada Website BI Menu INFO UMKM
(http://www.bi.go.id/id/umkm/Default.aspx).
- Including loans from Sharia Bank
- Cakupan Kredit UMKM termasuk kredit perbankan syariah.
*Angka sementara *Preliminary figures
Sumber: BI, OJK dan BPS (diolah) Source: BI, FSA and Central Bureau of Statistics (Processed)
DAFTAR ISTILAH/ GLOSSARY
Aktiva Produktif yang Diklasifikasikan : Aktiva Produktif, baik yang sudah maupun yang mengandung potensi tidak memberikan penghasilan atau
menimbulkan kerugian, yang ditetapkan sebesar 25% dari kredit yang digolongkan Dalam Perhatian
Khusus, 50% dari kredit yang digolongkan Kurang Lancar, 75% dari kredit yang digolongkan Diragukan
dan 100% dari kredit yang digolongkan Macet.
Classified Productive Assets is productive assets that are considered to be unproductive or potentially
generating loss in the future, which are determined as 25% of Special Mentioned categorized credit, 50%
Substandard categorized credit, 75% of Doubtful categorized credit and 100% of Loss categorized credit.
Anak Perusahaan Bank Asing/ Foreign : Bank yang tergabung dalam negara pelapor tetapi dengan lembaga induk pengendali yang tergabung di luar
Subsidiaries Bank negara pelapor
Banks incorporated in the reporting country but with a controlling parent institution incorporated outside
the reporting country
Anjak Piutang/ Factoring : Pembiayaan dalam bentuk pembelian dan atau pengalihan serta pengurusan piutang atau tagihan jangka
pendek klien yang timbul dari transaksi perdagangan dalam atau luar negeri
: Factoring is a financial activity in the form of purchasing and/or taking over as well as handling the
receivables or short-term collections of a company arising from trading transactions within or outside the
country.
Anjungan Tunai Mandiri/ Automated Teller : Perangkat berupa mesin elektronik yang terhubung dengan pusat komputer layanan nasabah pada suatu
Machine (ATM) lembaga penyimpan dana, sehingga dapat menggantikan sebagian fungsi kasir. Perangkat tersebut akan
memungkinkan nasabah untuk melakukan transaksi dengan menggunakan suatu media baik berupa kartu
atau media lainnya sebagai suatu identitas pengenal di dalam sistem. Jenis transaksi yang umum dilakukan
melalui ATM antara lain berupa penarikan uang tunai dari rekening simpanan, pengecekan saldo, transfer
kepada bank yang sama atau bank yang lain, serta pembayaran/pembelian berbagai barang dan atau jasa
: Automated Teller Machine (ATM) is a device in the form of an electronic machine connected to the
customer service computer center of a savings institution which can replace most functions of a cashier.
This device allows customers to perform transactions using either a card or another means of access which
allows for the identification of the user in the system. Common types of transactions conducted through
ATMs include cash withdrawals from savings accounts, balance checks, transfers to the same bank or
another bank, as well as payments/purchases of goods/services.
Antar-Kantor/ Related Offices : Entitas yang merupakan bagian dari grup perbankan yang sama, yaitu entitas yang berada dalam batas
konsolidasi lembaga induk pengendali.
Entities that are part of the same banking group, ie that are within the perimeter of consolidation
of the controlling parent institution.
Alat Pembayaran dengan Menggunakan Kartu : Alat Pembayaran yang berupa kartu kredit, kartu Automated Teller Machine (ATM) dan/atau kartu debet
(APMK)/ Card Based Payment Instruments
Card-Based Means of Payment (APMK) is a means of payment in the form of a credit card, Automated
Teller Machine (ATM) card and/or debit card.
Aset Likuid (dalam arti luas)/ Liquid Assets : Aset likuid (inti) ditambah dengan beberapa instrumen lainnya seperti surat berharga (di pasar uang dan
(broad meaning) pasar modal) yang digolongkan likuid sesuai ketentuan yang berlaku/ Liquid assets (core) coupled with
some other instruments such as commercial paper (in the money market and capital market) that are
classified as liquid in accordance with the applicable provision.
Liquid Assets (broader definition) are assets, in addition to several other instruments, such as: securities
(in the money market and capital market), classified as liquid according to the applicable regulations.
Aset Likuid (inti)/ Liquid Assets (core) : Aset keuangan yang dapat segera diuangkan (paling lama 3 bulan)/ Financial assets that can be cashed
immediately (no later than 3 months)
Liquid Assets (core definition) are financial assets which can be cashed in immediately (within no longer
than 3 months).
Asset Turnover : Perbandingan antara penjualan dengan total aset. Rasio ini merupakan ukuran efektivitas pemanfaatan
aktiva dalam menghasilkan penjualan. Semakin besar perputaran aktiva semakin efektif perusahaan
mengelola aktivanya.
Asset Turnover is the proportion of sales to total assets. This ratio is a measure of to what extent assets
have been used in generating sales - the higher the asset turnover, the more effective the company is in
managing its assets.
BI Rate : Suku bunga kebijakan yang mencerminkan sikap atau stance kebijakan moneter yang ditetapkan oleh Bank
Indonesia.
BI Rate is the benchmark interest rate that reflects the stance on monetary policy set out by Bank
Indonesia.
Biaya Operasional Pendapatan Operasional : Rasio Biaya Operasional dibandingkan dengan Pendapatan Operasional yang bertujuan untuk mengukur
(BOPO)/ Operating Expenses to Operating efisiensi operasi.
Income
Operating Expenses to Operating Income/Biaya Operasional Pendapatan Operasional (BOPO) is the ratio
of Operating Expenses to Operating Income which seeks to measure operating efficiency.
Capital Adequacy Ratio (CAR) : Rasio kecukupan modal bank yang diukur berdasarkan perbandingan antara jumlah modal dengan aktiva
tertimbang menurut risiko (ATMR)
Capital Adequacy Ratio (CAR) is the ratio of bank capital adequacy as measured based on a comparison
of the amount of capital to Risk Weighted Assets (RWA).
Claims/ Klaim : Aset keuangan yang memiliki kewajiban pihak lawan
A financial asset that has a counterpart liability
Credit Default Swap (CDS) : Instrumen finansial yang diperdagangkan secara “over the counter” untuk memitigasi risiko kegagalan
kredit.
Credit Default Swap (CDS) is a financial instrument that is traded “over the counter” to mitigate the risk
of credit default.
Current Ratio : Perbandingan antara aset lancar yang dimiliki perusahaan dengan kewajiban lancar. Rasio ini merupakan
salah satu rasio likuiditas untuk mengukur kemampuan perusahaan untuk memenuhi kewajiban jangka
pendeknya.
Current Ratio is a ratio of the total current assets owned by a company to its current liabilities. It is a
liquidity ratio that measures a company’s ability to service its short-term liabilities.
Currency Substitution Ratio (CSR) : Suatu indikator proksi untuk mengukur tingkat substitusi dalam menggunakan mata uang, dalam hal ini
antara valuta asing yang diukur dengan USD dengan Rupiah.
Currency Substitution Ratio (CSR) is a proxy indicator for measuring the degree to which a foreign
currency is used in parallel to or as a substitute for the domestic currency, in this case USD for Rupiah.
Dana Pensiun/ Pension Fund : Badan hukum yang mengelola dan menjalankan program yang menjanjikan manfaat pensiun/ Legal entities
that manage and run programs that provide pension benefits
Pension Fund is a fund pooled by a company or labor union or state-owned enterprise or other
organization with the purpose of providing a fund reserve as a pension payment for their employees who
have already reached pension age.
Dana Pihak Ketiga (DPK)/ Third Party Funds : DPK terdiri dari giro, tabungan dan simpanan berjangka.
Third Party Funds/Dana Pihak Ketiga (DPK) are composed of current accounts/demand deposits, savings
and time deposits.
Debt Securities Instrumen yang dapat dinegosiasikan selain pinjaman dan deposito, efek ekuitas, saham atau unit dana
investasi, dan derivatif keuangan. Semua aset keuangan yang merupakan instrumen pembawa, biasanya
dapat dinegosiasikan dan diperdagangkan di pasar sekunder, tidak memberikan pemegang hak
kepemilikan apa pun kepada unit institusional yang menerbitkannya. Instrumen yang tidak dapat
dinegosiasikan diklasifikasikan sebagai pinjaman dan simpanan.
Negotiable instruments other than loans and deposits, equity securities, investment fund shares or units,
and financial derivatives. All financial assets that are bearer instruments, usually negotiable and traded on
secondary markets, not granting the holder any ownership rights to the institutional unit issuing them.
Non-negotiable instruments are classified as loans and deposits.
Debt to Asset Ratio (DAR) : Rasio antara Total Utang dengan Total Asset. Rasio ini digunakan untuk mengukur tingkat solvabilitas
perusahaan yaitu kemampuan perusahaan untuk membayar kewajiban jangka panjang perusahaan tersebut.
Suatu perusahaan dikatakan solvabel berarti perusahaan tersebut memiliki aktiva yang cukup untuk
membayar hutang-hutangnya.
Debt to Asset Ratio (DAR) is the ratio of total debt to total assets. This ratio is used to measure the level of
solvency of a company; that is the company's ability to service its long-term liabilities. A company is said
to be solvent if it has sufficient assets and wealth to pay its debts.
Debt Service Ratio (DSR) : Rasio pembayaran utang pokok dan bunga utang luar negeri terhadap penerimaan transaksi berjalan.
Debt Service Ratio (DSR) is the ratio of the payment of principal debt and interest on foreign debt to
current account receipts.
Debt to Equity Ratio (DER) : Perbandingan antara hutang dan ekuitas perusahaan. Rasio ini digunakan untuk menunjukkan kemampuan
modal sendiri yang dimiliki perusahaan dalam memenuhi seluruh kewajibannya.
Debt to Equity Ratio (DER) is the proportion of a company’s debt to its own capital/equity. This ratio is
used to indicate a company’s ability to meet all its obligations.
Deposito Berjangka/ Time Deposits : Deposito Berjangka atau time deposit yaitu simpanan yang penarikannya hanya dapat dilakukan pada
waktu tertentu berdasarkan perjanjian.
Time Deposits are savings which can only be withdrawn at a specified time in line under an agreement
between the depositor and the bank.
Ekspor/ Export : Proses transportasi barang atau komoditas dari suatu negara ke negara lain yang mencakup barang, jasa,
penerimaan pendapatan primer dan penerimaan jasa sekunder.
Exports refers to the process of transporting goods or commodities from one country to another,
encompassing goods, services, primary income receipts and secondary income receipts
Emiten/ Listed Company : Perusahaan yang memperoleh dana melalui pasar modal, baik dengan menerbitkan saham atau obligasi.
Companies that raise funds through the capital market, either by issuing shares or bonds.
Fasilitas Simpanan Bank Indonesia (FASBI)/ : Fasilitas yang diberikan oleh Bank Indonesia kepada bank untuk menempatkan dana mereka di BI dalam
Bank Indonesia Deposit Facility rupiah dalam rangka stabilisasi kondisi moneter.
Bank Indonesia Deposit Facility (FASBI) is a facility provided by Bank Indonesia to banks in which they
can place their rupiah funds with BI in order to stabilize monetary conditions.
Fasilitas Simpanan Bank Indonesia Syariah : Fasilitas simpanan yang disediakan oleh BI kepada bank untuk menempatkan dananya di BI dalam rangka
(FASBIS)/ Bank Indonesia Sharia Deposit standing facilities syariah.
Facility
Bank Indonesia Sharia Deposit Facility (FASBIS) is a facility provided by Bank Indonesia to banks in
which they can place their funds with BI in the framework of sharia standing facilities.
Financial Soundness Indicators (FSI) : Indikator terkini tingkat kesehatan sektor keuangan suatu negara yang disajikan secara komprehensif,
sekaligus menggambarkan kondisi Perusahaan dan Rumah Tangga selaku counterpart-nya. Indikator FSI
termasuk data agregat individu institusi dan indikator yang mewakili kondisi pasar secara keseluruhan
dimana individu institusi tersebut beroperasi. FSI disusun untuk mendukung analisis makroprudensial.
FSIs are indicators of the current financial health and soundness of the financial institutions in a country,
and of their corporate and household counterparts. They include both aggregated individual institution
data and indicators that are representative of the markets in which
the financial institutions operate. FSIs are calculated and disseminated to support macroprudential
analysis.
Gearing Ratio : Rasio keuangan yang membandingkan ekuitas pemilik dengan dana pinjaman.
Financial ratio that compares company debt relative to equities.
Giro/ Demand Deposits : Simpanan pada bank yang penarikannya dapat dilakukan setiap saat dengan menggunakan cek atau surat
perintah pembayaran lain atau dengan pemindahbukuan.
Demand Deposits are savings at a bank which can be withdrawn at any time using a cheque, other
payment orders, or by transferring/overbooking of accounts.
Indeks Ekspektasi Konsumen (IEK)/ Consumer : Salah satu indikator ekonomi yang memberikan informasi mengenai ekspektasi konsumen terhadap kondisi
Expectation Index perekonomian 6 bulan yang akan datang dibanding saat ini, meliputi ekspektasi penghasilan, kondisi (dunia
usaha) ekonomi Indonesia secara umum dan ketersediaan lapangan kerja.
Consumer Expectation Index (IEK/CEI) is an economic indicator that provides information on consumer
expectations as to economic conditions in 6 months’ time as compared to those of today, including
expectations about income, Indonesian economic (business) conditions in general and the availability of
jobs.
Indeks Harga Konsumen (IHK)/ Consumer Price : Salah satu indikator ekonomi yang memberikan informasi mengenai harga barang dan jasa yang dibayar
Index oleh konsumen. Perhitungan IHK dilakukan untuk merekam perubahan harga beli di tingkat konsumen
(purchasing cost) dari sekelompok tetap barang dan jasa yang pada umumnya dikonsumsi masyarakat.
Consumer Price Index (IHK/CPI) is an economic indicator that provides information on the prices of
goods and services paid by consumers. The CPI is calculated in order to record change in purchasing
costs at the consumer level of a fixed group of goods and services commonly consumed by people.
Indeks Harga Properti Residensial (IHPR)/ : Salah satu indikator ekonomi yang memberikan informasi mengenai perkembangan harga properti
Residential Property Price Index (RPPI) residensial baik pada triwulan berjalan maupun triwulan yang akan datang.
Residential Property Price Index (IHPR/RPPI) is an economic indicator that provides information on
residential property developments in the current quarter as well as the subsequent quarter.
Indeks Keyakinan Konsumen (IKK)/ Consumer : Salah satu indikator ekonomi yang digunakan dalam Survei Konsumen (SK) dan merupakan rata-rata
Confidence Index (CCI) sederhana dari Indeks Kondisi Ekonomi Saat ini dan Indeks Ekspektasi Konsumen.
Consumer Confidence Index (IKK/CCI) is an economic indicator used in Consumer Surveys and
represents a simple average of the Current Economic Conditions Index and Consumer Expectations Index.
Indeks Kondisi Ekonomi Saat ini (IKE)/ Current : Salah satu indikator ekonomi yang merupakan keyakinan konsumen mengenai penghasilan saat ini,
Economic Condition Index (CECI) ketepatan waktu untuk melakukan pembelian barang tahan lama dan ketersediaan lapangan kerja dengan
membandingkan antara kondisi saat ini dan 6 bulan yang lalu.
Current Economic Conditions Index (IKE/CECI) is an economic indicator that reflects the confidence of
consumers as to current income, timeliness of making purchases of durable goods, and job availability, by
comparing current conditions with those of 6 months ago.
Indeks Pembelian Barang Tahan Lama (Durable Indeks yang menunjukkan pembelian barang tahan lama (durable goods) yang dilakukan oleh konsumen
goods)/ Purchasing Durable Goods Index pada periode survei.
Durable Goods Purchasing Index is an index that indicates purchases of durable goods made by
consumers during the survey period.
Indeks Penjualan Riil/ Real Sales Index Indeks penjualan di tingkat pedagang eceran yang menunjukkan perbandingan total penjualan eceran riil
periode berjalan terhadap total penjualan riil pada periode tahun dasar (Oktober = 2000)
Real Sales Index is a sales index at the retail level that shows the proportion of total real retail sales for
the current period to total real sales in the base year period (= October, 2000).
Indeks Perkiraan Penghasilan 6 bulan Indeks perkiraan konsumen atas penghasilannya pada 6 bulan mendatang
mendatang/ Income Estimates next 6 months
Index
6 Month Income Estimation Index is an index of consumer estimations as to their income in 6 months’ time.
Indeks Perkiraan Posisi Pinjaman 6 bulan Indeks perkiraan konsumen atas posisi pinjamannya pada 6 bulan mendatang
mendatang/ Outstanding loans estimates next 6
month Index
6 month Loan Position Estimation Index is an index of consumer estimations as to the position of their
loans in 6 months’ time.
Indeks Stabilitas Sistem Keuangan (ISSK)/ Suatu indikator yang dapat mencerminkan ukuran kestabilan sistem keuangan
Financial System Stability Index (FSSI)
Financial System Stability Index (ISSK/FSSI) is an indicator that reflects the stability of the financial
system.
Inflasi/ Inflation : Kenaikan harga-harga barang dan jasa secara umum dan terus menerus.
Inflation refers to general and continuous rising prices of goods and services.
Initial Public Offering (IPO) : Penerbitan saham perdana.
Initial Public Offering (IPO) is a company’s initial sales of public shares
Institusi Keuangan Non Bank (IKNB)/ Non-Bank Badan usaha yang melakukan kegiatan dibidang keuangan, secara langsung ataupun tidak langsung,
Financial Institutions (NBFI) menghimpun dana dari masyarakat dan menyalurkan kembali kepada masyarakat
Non-Bank Financial Institutions (IKNB) are business entities that perform activities in the field of finance,
either directly or indirectly, by collecting funds from the public and channeling them back into society.
Instrumen Dana Investasi/ Investment Fund adalah penanaman modal, biasanya dalam jangka panjang untuk pengadaan aktiva tetap atau pembelian
Instruments saham-saham dan surat berharga lain untuk memperoleh keuntungan (investment)
Investment Fund Instruments Investment is the providing of capital, usually in the long term, for the
procurement of fixed assets or the purchase of shares and other securities to make profit
Inventory turn over : Perbandingan antara penjualan dengan persediaan. Rasio perputaran persediaan ini menunjukkan seberapa
efisien perusahaan mengatur persediaannya yaitu dengan menunjukkan berapa kali perputaran persediaan
selama satu tahun. Semakin tinggi rasio berarti perusahaan semakin efisien.
Inventory turnover is the proportion of sales to inventory. The inventory turnover ratio shows how
efficiently a company is managing its inventory by showing how many times the inventory turns over (is
sold/used) in a year. The higher the ratio, the more efficient the company.
Jakarta Interbank Spot Dollar Rate (JISDOR) : Harga spot USD/IDR, yang disusun berdasarkan kurs transaksi valuta asing terhadap rupiah antar bank di
pasar domestik, melalui Sistem Monitoring Transaksi Valuta Asing Terhadap Rupiah (SISMONTAVAR)
di Bank Indonesia secara real time.
Jakarta Interbank Spot Dollar Rate (JISDOR) is the spot price for USD/IDR, which is derived from the
exchange rate of foreign currency transactions between banks in the domestic market, through the
Monitoring System of Foreign Exchange Transactions against the Rupiah (SISMONTAVAR) at Bank
Indonesia in real time.
Jumlah Unit Penyertaan (UP) Beredar/ Mutual : Jumlah unit penyertaan yang beredar (dimiliki investor) pada suatu periode waktu tertentu.
Fund Units
Number of outstanding mutual fund units at a certain period.
Kapitalisasi Pasar Modal/ Stock Market : Total nilai seluruh saham yang diterbitkan oleh berbagai perusahaan yang diperdagangkan di Bursa Efek
Capitalization Indonesia
Capital Market Capitalization is the total value of all shares issued by the various companies trading on
the Indonesia Stock Exchange
Keuangan Inklusif (Financial Inclusion) : Kondisi ketika setiap individu mempunyai hak untuk memiliki akses terhadap berbagai layanan keuangan
yang berkualitas secara tepat waktu, nyaman, jelas dengan biaya terjangkau sebagai penghormatan,
pemenuhan perlindungan, penegakan dan pemajuan atas martabat pribadinya dalam rangka meningkatkan
kemampuan ekonomi dan keuangan. Layanan Keuangan diberikan kepada seluruh segmen masyarakat,
dengan perhatian khusus pada kelompok kurang mampu dan rentan, usaha mikro dan kecil, pekerja migran,
wanita dan masyarakat di daerah terpencil, perbatasan dan pulau-pulau terluar
Financial Inclusion is a condition in which every individual enjoys the right to have access to a wide range
of quality financial services in a timely, convenient, clear manner at an affordable cost, as a way of
respecting, protecting, upholding and promoting personal dignity as well as enhancing economic and
financial capability. Financial services are provided to all segments of society, with special attention to
disadvantaged and vulnerable groups, micro and small enterprises, migrant workers, women and
communities in remote areas, border areas and outer islands.
Korporasi Non-Finansial/ Non-Financial : Perusahaan yang dimiliki secara pribadi dan publik serta perusahaan tak berbadan hukum yang berfungsi
Corporation sebagai korporasi, seperti kemitraan dan cabang-cabang perusahaan asing.
Privately and publicly owned corporations as well as unincorporated enterprises that function as if they
were corporations, such as partnerships and the branches of foreign corporations.
Kredit Investasi/ Investment Credit : Kredit jangka menengah atau panjang untuk pembelian barang-barang modal dan jasa yang diperlukan
antara lain guna rehabilitasi, modernisasi, ekspansi, dan relokasi proyek dan atau pendirian usaha baru.
Investment credit refers to medium or long-term loans given for the purchase of capital goods and services
needed, among other things, for the rehabilitation, modernization, expansion and relocation of projects,
and/or the establishment of new businesses.
Kredit Konsumsi/ Consumption Credit : Kredit untuk keperluan konsumsi dengan cara, membeli, menyewa atau dengan cara lain.
Consumer credit refers to loans given for consumption purposes by buying, renting or other means.
Kredit Modal Kerja/ Working Capital Credit : Kredit jangka pendek untuk membiayai keperluan modal kerja debitur
Working Capital credit refers to short-term loans to finance the working capital needs of borrowers.
Kredit Perbankan/ Bank Loans : Semua penyediaan uang atau tagihan yang dapat dipersamakan dengan itu dalam rupiah dan valuta asing,
berdasarkan persetujuan atau kesepakatan pinjam meminjam antara bank pelapor dengan bank dan pihak
ketiga bukan bank.
Bank Credit refers to the provision of all money or equivalent claims in rupiah and foreign currencies,
based on loan agreements and approvals between reporting banks and other banks as well as non-bank
third parties.
Kredit UMKM/ Micro, Small, Medium : Semua penyediaan uang atau tagihan yang dapat dipersamakan dengan itu dalam rupiah dan valuta asing,
Enterprises (MMEs) Credit berdasarkan persetujuan atau kesepakatan pinjam meminjam antara bank pelapor dengan bank dan pihak
ketiga bukan bank yang memenuhi kriteria usaha sesuai Undang-undang tentang UMKM yang berlaku.
MSME Credit refers to the provision of all money or equivalent claims in rupiah and foreign currencies,
based on loan agreements and approvals between reporting banks and other banks as well as third parties,
which satisfy the business criteria in line with the prevailing Law on Micro, Small and Medium
Enterprises.
Large Exposures : Jumlah semua nilai eksposur dari Deposit Takers (DT) ke anak perusahaan atau ke perusahaan lain yang
masih dalam satu grup yang terhubung, jika itu sama dengan atau di atas 10 persen dari basis modal DT
yang memenuhi syarat.
The sum of all exposure values of a Deposit Taker to a counterparty or to a group of connected
counterparties, if it is equal to or above 10 percent of the DT’s eligible capital base.
Layanan Keuangan Digital (LKD)/ Digital Kegiatan layanan jasa sistem pembayaran dan keuangan yang dilakukan melalui kerja sama dengan pihak
Financial Services (DFS) ketiga serta menggunakan sarana dan perangkat teknologi berbasis mobile maupun berbasis web dalam
rangka keuangan inklusif.
Digital Finance Services (LKD/DFS) are finance and payment system services provided through
cooperation with third parties and by using mobile-based and web-based technological tools and devices
in the framework of financial inclusion.
Leverage Ratio : Rasio yang digunakan untuk mengukur seberapa besar aktiva yang dimiliki perusahaan berasal dari hutang
atau modal, sehingga dengan rasio ini dapat diketahui posisi perusahaan dan kewajibannya yang bersifat
tetap kepada pihak lain serta keseimbangan nilai aktiva tetap dengan modal yang ada.
Leverage Ratio is used to measure to what extent a company's assets are derived from debt or capital, thus
shedding light on the company's level of solvency and its ability to service its fixed liabilities, as well as the
balance between the value of its fixed assets and existing capital.
Liquid Assets : Aset likuid (inti) ditambah dengan beberapa instrumen lainnya seperti: surat berharga (di pasar uang dan
pasar modal) yang digolongkan likuid sesuai ketentuan yang berlaku
Liquid Assets are assets, in addition to several other instruments, such as: securities (in the money market
and capital market), classified as liquid according to the applicable regulations.
Liquidity Ratio : Nisbah yang mengukur kemampuan bank, perusahaan, atau peminjam untuk memenuhi kewajiban jangka
pendek yang jatuh tempo; nisbah ini dihitung dengan membagi aktiva lancar dengan utang lancar.
Liquidity Ratio measures the ability of a bank, company or lender to meet its short-term obligations that
are due to mature. This ratio is calculated by dividing current assets by current liabilities
Loans and Deposits : Di sisi Klaim, semua pinjaman yang diberikan, modal kerja diberikan kepada cabang / anak perusahaan,
dan simpanan di bank lain, termasuk yang memiliki afiliasi sendiri (posisi antar-kantor). Di sisi liabilitas,
semua klaim pada bank pelapor yang mencerminkan bukti setoran, dan pinjaman (pinjaman) dari yang
lain. Dalam statistik perbankan lokasional, ini termasuk pinjaman dari afiliasi bank sendiri, kantor pusat
atau lembaga induk pengendali, dan modal kerja yang diterima dari kantor pusat atau lembaga induk
pengendali. Kategori instrumen ini juga mencakup transaksi pembelian kembali (repo), sewa keuangan,
surat promes, tidak dapat dinegosiasikan sekuritas utang (mis. CD yang tidak dapat dinegosiasikan),
kewajiban pengesahan yang timbul dari tagihan yang didiskreditkan kembali ke luar negeri dan pinjaman
subordinasi (termasuk sekuritas hutang yang tidak dapat dinegosiasikan) dan melaporkan kepemilikan
bank atas uang kertas dan koin yang beredar.
On the claims side, all loans granted, working capital provided to branches/subsidiaries, and deposits with
other banks, including those with their own affiliates (inter-office positions). On the liabilities side, all
claims on the reporting bank that reflect evidence of deposit, and borrowing (loans) from others. In the
locational banking statistics, this includes borrowing from the bank’s own affiliates, head office or
controlling parent institution, and working capital received from the head office or controlling parent
institution. This instrument category also includes repurchase transactions (repos), financial leases,
promissory notes, non-negotiable
debt securities (eg non-negotiable CDs), endorsement liabilities arising from bills rediscounted abroad
and subordinated loans (including subordinated non-negotiable debt securities) and reporting banks’
holdings of notes and coins that are in circulation.
Loan to Deposit Ratio (LDR) : Perbandingan total kredit terhadap total Dana Pihak Ketiga
Ratio of total loans to total third party funds
London Interbank Offered Rate (LIBOR) : Suku bunga rata-rata pinjaman antar bank di London yang ditetapkan berdasarkan suku bunga yang
ditawarkan oleh 16 bank anggota British Bankers Association.
London Interbank Offered Rate (LIBOR) is the average interest rate on loans between banks in London, as
determined based on the interest rates being offered by the 16 member banks of the British Bankers
Association.
Modal Ventura/ Venture Capital : Badan usaha yang melakukan usaha pembiayaan/penyertaan modal ke dalam suatu perusahaan yang
menerima bantuan pembiayaan (investee company) untuk jangka waktu tertentu dalam bentuk penyertaan
saham, penyertaan melalui pembelian obligasi konversi, dan atau pembiayaan berdasarkan pembagian atas
hasil usaha
Business entities that conduct financing/ equity participation into a company that received the funding
(investee company) for a certain period in the form of equity participation, participation through the
purchase of convertible bonds and or financing based on profit sharing from the results of operating
business.
Neraca Transaksi Berjalan (NTB)/ Current : Bagian dari Neraca Pembayaran Indonesia yang mencatat ekspor dan impor barang, jasa, pendapatan
Account primer dan pendapatan sekunder.
Current Account (NTB) is part of Indonesia's Balance of Payments that records exports and imports of
goods, services, primary and secondary income.
Net Interest Margin (NIM) : Pendapatan bunga bersih dibandingkan dengan rata-rata total aset produktif .
Net Interest Margin (NIM) is net interest income compared with average total earning assets.
Nilai Aktiva Bersih/ Net Asset Value : Nilai pasar yang wajar dari seluruh efek dan kekayaan lain yang dikelola oleh reksadana
dikurangi seluruh kewajibannya. Perhitungan NAB menggunakan nilai pasar wajar yang
ditentukan oleh manajer investasi dan diumumkan setiap hari bursa.
Fair market value of the securities and other assets minus the liabilities that a mutual fund manages on
behalf of investors. Calculation of NAV is determined by its investment company and published every
(stock exchange) trading day.
Nilai Tukar (kurs)/ Exchange Rate : Nilai mata uang suatu negara yang dinyatakan dengan nilai mata uang negara yang lain.
Exchange Rate refers to the value of one country’s currency expressed in the value of another country’s
currency.
Non Performing Financing (NPF) : Pembiayaan bermasalah yang terdiri dari kredit yang berklasifikasi Kurang Lancar, Diragukan dan Macet
Nonperforming Financing (NPF) refers to troubled financing classified as substandard, doubtful and loss.
Non Performing Loans (NPL) : Kredit yang memiliki kualitas kurang lancar, diragukan atau macet
Nonperforming Loans (NPL) refers to credit of substandard, doubtful and loss quality.
Obligasi/ Bonds : Obligasi didefinsikan sebagai: a) suatu sertifikat bukti hutang, yang mana perusahaan penerbit atau badan
pemerintah berjanji untuk membayar sejumlah bunga untuk satu jangka waktu panjang tertentu kepada
pemegang, dan untuk membayar kembali hutangnya pada saat jatuh tempo; b) instrumen hutang jangka
panjang yang berisikan janji untuk membayar kepada kreditur sejumlah bunga secara periodik dan
membayar hutang pokok pada saat jatuh tempo.
Bonds are defined as: a) a certificate of proof of debt, in which the issuing company or government agency
promises to pay a certain amount of interest for a specified long period of time to the holder, and to repay
the debt at maturity; b) a long-term debt instrument that involves a promise to pay the lender a certain
amount of interest on a periodic basis and to pay the principal debt at maturity.
Other Instruments : Instrumen keuangan yang tidak dikategorikan sebagai pinjaman / simpanan, atau efek hutang, yaitu aset
dan kewajiban keuangan residual.
Financial instruments not categorised as loans/deposits, or debt securities, ie residual financial assets and
liabilities.
Pasar Sekunder/ Secondary Market : Bursa/pasar tempat surat berharga diperjual-belikan antar investor di luar pasar perdana/ primer
Secondary Market is the market in which securities are traded among investors outside of the primary
market.
Pasar Uang Antar Bank (PUAB)/ Interbank : Kegiatan pinjam meminjam dalam rupiah dan atau valuta asing antar bank konvensional dengan jangka
Money Market waktu sampai dengan 1 (satu) tahun. PUAB terdiri dari PUAB Pagi rupiah, PUAB sore rupiah dan PUAB
Valuta Asing.
Interbank Money Market (PUAB) refers to lending and borrowing activities in rupiah or foreign currency
among conventional banks with maturities of up to one (1) year. The Interbank market consists of the
Rupiah PUAB - Morning Session, the Rupiah PUAB – Afternoon Session, and the Interbank Foreign
Exchange Market (PUAB Valas).
Pasar Uang Antarbank Syariah (PUAS)/ Sharia : Transaksi keuangan jangka pendek antarbank berdasarkan prinsip syariah baik dalam rupiah maupun valuta
Interbank Money Market asing
Sharia Interbank Money Market (PUAS) refers to short-term interbank financial transactions in both
rupiah and foreign currency in accordance with sharia (Islamic Law) principles.
Pembiayaan Konsumen/ Consumer Financing : Jumlah neto atas pembiayaan untuk pengadaan barang kebutuhan konsumen dengan sistem pembayaran
angsuran atau berkala.
Consumer Financing is the net amount of financing for the procurement of consumer goods with payments
is installments or on a periodic basis.
Produk Domestik Bruto (PDB) Harga Berlaku/ : PDB yang menggambarkan nilai tambah barang dan jasa yang dihitung menggunakan harga pada tahun
Gross Domestic Product at Current Price berjalan.
Gross Domestic Product (GDP) at Current Prices illustrates the value of all final goods and services
calculated using prices in the current year.
Produk Domestik Bruto (PDB) Harga Konstan/ : PDB yang menunjukkan nilai tambah barang dan jasa tersebut yang dihitung menggunakan harga yang
Gross Domestic Product at Constant Price berlaku pada satu tahun tertentu sebagai tahun dasar. PDB ini digunakan untuk mengetahui pertumbuhan
ekonomi secara riil dari tahun ke tahun yang tidak dipengaruhi oleh faktor harga.
Gross Domestic Product (GDP) at Constant Prices illustrates the value of all final goods and services
calculated using the prevailing price level of the base year. GDP at constant prices is used to determine
economic growth in a real sense without the influence of price factors.
Pertumbuhan Ekonomi/ Economic Growth : Peningkatan nilai tambah yang dihasilkan oleh seluruh unit usaha dalam suatu negara tertentu, atau
merupakan jumlah nilai barang dan jasa akhir yang dihasilkan oleh seluruh unit ekonomi.
Economic Growth refers to the increase in value added goods and services generated by all business units
within a particular country, or the total value of final goods and services produced by the entire economic
unit.
Perusahaan Pembiayaan (PP)/ Financing : Badan usaha yang khusus didirikan untuk melakukan Sewa Guna Usaha, Anjak Piutang, Pembiayaan
Institution Konsumen, dan/atau usaha Kartu Kredit
Financing Company is a Non-Bank Financial Institution (IKNB) established especially to perform Leasing,
Factoring, Consumer Finance, and/or Credit Card business.
Perusahaan Pembiayaan Infrastruktur/ Badan usaha yang didirikan khusus untuk melakukan pembiayaan dalam bentuk penyediaan dana pada
Infrastruktur Financing Company proyek infrastruktur
Business entity established specifically for financing in the form of providing funds for infrastructure
projects
Posisi Investasi Internasional Indonesia/ : Statistik yang menunjukkan nilai dan komposisi aset finansial luar negeri (AFLN) dan kewajiban finansial
Indonesia's International Investment Position luar negri (KFLN) Indonesia pada suatu waktu tertentu.
Indonesia's International Investment Position (PIII) is a statistical statement that shows the value and
composition of the foreign financial assets (AFLN) and foreign financial liabilities (KFLN) of Indonesia at
any given time.
Posisi Devisa Neto (PDN)/ Net Open Position : Angka yang merupakan penjumlahan dari nilai absolut untuk jumlah dari selisih bersih aktiva dan pasiva
(NOP) dalam neraca untuk setiap valuta asing ditambah dengan selisih bersih tagihan dan kewajiban baik yang
merupakan komitmen maupun kontinjensi dalam rekening administratif untuk setiap valuta asing yang
semuanya dinyatakan dalam rupiah.
The sum of the absolute values of the net difference between assets and liabilities in the balance sheet for
each foreign currency plus the net difference between claims and liabilities, comprising both commitments
and contingencies in administrative account for each foreign currency which are expressed in Rupiah
Price to Earning Ratio (PER) : Rasio antara harga saham emiten dengan laba bersih perusahaan emiten per saham
The ratio of a current price of stock to its earnings per share
Profitability : Ukuran mengenai kemampuan perusahaan dalam menghasilkan keuntungan selama periode tertentu
Profitability is a measure of a company's ability to generate profits over a certain period.
Quick Ratio : Angka perbandingan antara jumlah aset yang sangat lancar (uang kas bank, piutang dagang, dan sekuritas
yang mudah dijual) terhadap jumlah utang lancar. Rasio ini di pakai sebagai ukuran kemampuan
perusahaan untuk membayar dengan segera utang lancarnya
Quick Ratio compares the total amount of cash, marketable securities and accounts receivable to the
amount of current liabilities. This ratio is used to measure a company's ability to pay its current debts with
immediate effect.
Rata-rata Tertimbang (RRT)/ Weighted Average : Memperhitungkan bobot volume transaksi pada periode tertentu.
Weighted Average (RRT) takes into account the weight of transaction volumes during the period in
question.
Redemption : Penjualan kembali sebagian atau seluruh unit penyertaan berdasarkan nilai NAB per unit yang berlaku pada
periode penjualan.
Sale of some or all mutual fund units at NAV per unit of the period of sale.
Refixing rate : Porsi utang Pemerintah Pusat yang terekspos perubahan tingkat bunga dalam waktu setahun mendatang
Refixing rate refers to the portion of central government debt exposed to changes in interest rates within
the coming year.
Reasuransi/ Reinsurance : Sebagian pertanggungan ulang atau seluruh risiko perusahaan asuransi kepada perusahaan asuransi lainnya
berdasarkan perjanjian
Reinsurance refers to an insurance company reinsuring all or some of its risk with another insurance
company under an agreement.
Reksadana/ Mutual Funds : Wadah yang dipergunakan untuk menghimpun dana dari masyarakat pemodal untuk selanjutnya
diinvestasikan dalam portofolio efek oleh manajer investasi (UU Nomor 8 tentang Pasar Modal)
Mutual Fund is an investment program used to collect funds from investors to be invested in the securities
portfolio by an investment manager (Law No. 8 on Capital Markets).
Repurchase Agreement (Repo) : Transaksi penjualan surat berharga oleh peserta OPT kepada Bank Indonesia dengan kewajiban pembelian
kembali oleh peserta OPT sesuai dengan harga dan jangka waktu yang disepakati.
Repurchase Agreement (Repo) is a sales transaction of securities by an OMO participant to Bank

Indonesia with a promise to buy them back at a set time and price
Return on Assets (ROA) : Salah satu rasio profitabilitas untuk mengukur kemampuan aktiva perusahaan dalam menghasilkan laba.
Return on Assets (ROA) is a profitability ratio for measuring the ability of a company's assets to generate
profits.
Return on Equity (ROE) : Salah satu rasio profitabilitas untuk mengukur kemampuan modal perusahaan dalam menghasilkan laba.
Return on Equity (ROE) is a profitability ratio for measuring the ability of a company's equity to generate
profits.
Risiko Kredit/ Credit Risk : Risiko yang timbul dalam hal debitur gagal memenuhi kewajiban untuk membayar angsuran pokok
ataupun bunga sebagaimana telah disepakati dalam perjanjian kredit; di samping risiko suku bunga, risiko
kredit merupakan salah satu risiko utama dalam pelaksanaan pemberian kredit bank.
Credit Risk is risk that arises in the event that a debtor fails to meet their obligation to pay principal or
interest as agreed in the credit agreement; other than interest rate risk, credit risk is one of the primary
risks in granting bank credit.
Risiko Likuiditas/ Liquidity Risk : Risiko bank tidak memiliki uang tunai atau aktiva jangka pendek yang dapat diuangkan segera dalam
jumlah yang cukup untuk memenuhi permintaan deposan atau debitur; risiko ini terjadi sebagai akibat
kegagalan pengelolaan antara sumber dana dan penanaman dana (mismatch) atau kekurangan
likuiditas/dana (shortage) yang mengakibatkan bank tidak mampu memenuhi kewajiban keuangannya pada
waktu yang telah ditetapkan.
Liquidity Risk is a bank’s risk of not having sufficient amount of cash or liquid short-term assets to comply
with the requirements of a depositor or debtor; this risk occurs due to a failure of management between the
source of funds and the investments (mismatch) or a shortage of funds or liquidity, which causes a bank’s
inability to comply with its financial responsibility at a specified time.
Risiko Pasar/ Market Risk : Risiko atas posisi perdagangan akibat perubahan harga
Market Risk is risk over a trading position due to price changes.
Saham/ Stock : Bukti penyertaan modal dalam suatu perseroan, yang dibuktikan dengan surat saham, sebagai suatu surat
legitimasi yang menyatakan bahwa pemegang adalah orang yang berhak atas deviden, hak suara, dan
manfaat lainnya.
Stock is proof of equity participation in a company, as evidenced by a share certificate as a legitimate

document stating that the holder is a person entitled to dividends, voting rights and other benefits.
Sertifikat Bank Indonesia (SBI)/ Bank Indonesia : Surat berharga dalam mata uang Rupiah yang diterbitkan oleh Bank Indonesia sebagai pengakuan utang
Sertificate berjangka waktu pendek.
Bank Indonesia Certificates (SBI) are securities in the rupiah issued by Bank Indonesia as a way of
acknowledging short-term debt.
Sertifikat Deposito/ Deposit Sertificates : Simpanan dalam bentuk deposito yang sertifikat bukti simpanannya dapat dipindahtangankan.
Certificates of Deposit are savings in the form of a time deposit whose proof of savings certificate is
transferable.
Sewa Guna Usaha (SGU)/ Lease : Sewa guna usaha dengan hak opsi (finance lease), yaitu kegiatan pembiayaan dalam bentuk penyediaan
barang modal yang digunakan oleh penyewa guna usaha (lessee) dalam jangka waktu tertentu berdasarkan
pembayaran secara berkala disertai dengan hak pilih (option) untuk membeli barang modal yang
bersangkutan atau memperpanjang jangka waktu leasing berdasarkan nilai sisa yang telah disepakati
bersama.
Leasing (SGU) refers to leasing with an option (finance leasing), which is financing in the form of a supply
of capital goods which are used by the lessee for a specified period, during which periodic payments are
made and an option also exists to purchase the capital goods concerned or extend the term of the lease
based on a mutually agreed residual value.
Singapore Interbank Offered Rate (SIBOR) : Suku bunga rata-rata antar bank di Singapura yang ditetapkan berdasarkan suku bunga yang ditawarkan
oleh sejumlah bank terkemuka di Singapura (ABS).
Singapore Interbank Offered Rate (SIBOR) is the average interest rate on loans between banks in
Singapore, as determined based on the interest rates being offered by a number of leading Singaporean
banks.
Solvabiliti/Solvency : Kemampuan perusahaan untuk membayar segala kewajibannya. Rasio Solvabilitas merupakan rasio yang
membandingkan antara total aset yang dimiliki perusahaan dengan total kewajiban. Rasio ini menunjukkan
sejauh mana kewajiban dapat ditutupi oleh aktiva.
Solvency is the ability of a company to service all its liabilities. The Solvency ratio compares the total
assets of a company to its total liabilities. This ratio indicates the extent to which liabilities are covered by
assets.
Subscription : Pembelian atas Unit Penyertaan (UP) reksadana

Purchase of mutual fund unit(s)
Surat Berharga Negara (SBN)/ Government : Surat berharga berupa Surat Utang Negara (SUN) dan atau surat berharga berdasarkan prinsip syariah
Securities (Surat Berharga Syariah Negara/SBSN) yang diterbitkan oleh Pemerintah Indonesia.
Government Securities (SBN) are securities in the form of Government Debt Securities (SUN) and/or
Government Sharia Securities (SBSN) issued by the Indonesian Government.
Surat Berharga Syariah Negara (SBSN)/ Sharia : SBN yang diterbitkan berdasarkan prinsip syariah baik dalam mata uang rupiah maupun valuta asing,
Government Bonds sebagaimana dimaksud dalam undang-undang yang berlaku.
Government Sharia Securities (SBSN) are government securities issued based on sharia (Islamic Law)
principals as evidence of participation in SBSN assets, both in rupiah as well as foreign exchange, as
defined in the applicable legislation.
Surat Utang Negara (SUN)/ Government Bonds : Surat berharga yang berupa surat pengakuan utang dalam mata uang rupiah maupun valuta asing yang
dijamin pembayaran bunga dan pokoknya oleh Negara Republik Indonesia, sesuai dengan masa
berlakunya.
Government Debt Securities (SUN) are securities in the form of acknowledgment of debt, both in
Indonesian rupiah and foreign exchange, the payment of interest and principal on which is guaranteed by
the State of the Republic of Indonesia.
Term Deposit Fine Tune Kontraksi (FTK) : Kegiatan operasi pasar terbuka (OPT) dalam rangka penyerapan/ pengurangan likuiditas perbankan secara
jangka pendek. Term deposit FTK dilakukan dengan cara menempatkan dana milik peserta operasi moneter
secara berjangka di Bank Indonesia. Term Deposit FTK dapat dicairkan sebelum jatuh waktu (early
redemption) sepanjang memenuhi persyaratan tertentu dan atas pencairan tersebut dikenakan biaya.
Fine Tune Contraction (FTK/FTC) Term Deposit is an open market operation (OMO) in order to absorb
or lessen short-term banking liquidity. A FTC term deposit involves placing the funds of a monetary
operation participant in Bank Indonesia on a short-term basis
Tertiary Reserves : Instrumen simpanan jangka pendek yang dapat dengan cepat dikonversi menjadi uang apabila terjadi
kebutuhan likuiditas.
Tertiary Reserves are a short-term savings instrument which can be quickly converted into money in the
event of liquidity needs.
Tingkat Densitas Asuransi : Nilai yang menggambarkan perbandingan premi bruto terhadap jumlah penduduk.
An indicator that compare gross premium relative to number of residents.
Tingkat Penetrasi Asuransi : Nilai yang menggambarkan kontribusi premi bruto terhadap Produk Domestik Bruto (PDB).
An indicator that describes contribution of gross premium relative to Gross Domestik Product. Domestik
Bruto (PDB).
Transaksi Derivatif/ Derivative Transactions : Transaksi yang didasari oleh suatu kontrak atau perjanjian pembayaran yang nilainya merupakan turunan
dari nilai instrumen yang mendasari seperti suku bunga, nilai tukar, komoditi, ekuiti, dan indeks, baik yang
diikuti dengan pergerakan atau tanpa pergerakan dana atau instrumen.
Derivative Transaction is a transaction based on a payment contract whose value is a derivative of the
value of an underlying instrument such as interest rates, exchange rates, commodities, equities, and
indexes, with or without fund or instrument movements.
Transaksi Forward/ Forward Transactions : Transaksi jual beli berjangka antara 2 (dua) mata uang (valuta) dengan penyerahan dana dilakukan lebih
dari 2 (dua) hari kerja setelah tanggal transaksi.
Forward Transaction is the buying and selling of forward contracts between two (2) currencies (foreign
currencies) with the delivery of funds made more than two (2) business days after the transaction date.
Transaksi Option/ Option Transactions : Option adalah kontrak dimana salah satu pihak menyetujui untuk membayar sejumlah imbalan kepada
pihak lain untuk mendapatkan suatu hak untuk membeli atau menjual valuta asing pada harga dan waktu
tertentu.
Option is a contract in which one party agrees to pay compensation to another party to obtain a right to
buy or sell foreign currency at a specific price and time.
Transaksi Spot/ Spot Transactions : Transaksi jual beli tunai antara 2 (dua) mata uang (valuta) dengan penyerahan dana dilakukan 2 (dua) hari
kerja setelah tanggal transaksi.
Spot Transaction is the buying and selling of spot contracts (cash) between two (2) currencies (foreign
currencies) with the delivery of funds made more than two (2) business days after the transaction date.
Transaksi Swap/ Swap Transactions : Transaksi pertukaran antara 2 (dua) mata uang (valuta) melalui pembelian atau penjualan tunai (spot)
dengan penjualan atau pembelian secara berjangka (forward) yang dilakukan secara bersamaan.
Swap Transaction is the exchange of two (2) currencies (foreign currencies) through the buying or selling
of spot contracts (cash) or buying or selling of forward contracts, performed at the same time.
Turnover Ratio (indikator keuangan korporasi)/ : Nisbah yang menunjukkan tingkat kecepatan konversi piutang menjadi kas atau lamanya perputaran aset
indicator financial corporates menjadi kas
Turnover Ratio (Corporate finance indicator) indicates the time needed for receivables to be converted
into cash or the time needed for assets to be converted into cash.
Turnover Ratio (indikator sistem pembayaran : Perbandingan antara outgoing transaction terhadap saldo rekening bank yang disediakan pada awal hari.
non tunai)/ indicator non cash payment system Kenaikan rasio ini dapat berindikasi adanya the expected settlement delays menjadi lebih lama.
Turnover Ratio (non-cash payment system indicator) is a comparison between outgoing transactions and a
bank’s opening balance available at the start of the day. A high turnover ratio indicates that expected
settlement delays will be longer.
Uang beredar dalam arti sempit (M1)/ Narrow : Kewajiban sistem moneter yang terdiri atas uang kartal yang dipegang masyarakat pada sektor swasta
Money domestik dan uang giral yang berada baik pada Bank Umum dan BPR maupun pada Bank Indonesia.
Dalam pengertian ini uang kartal yang berada pada kas Bank Indonesia, dan kas Bank Umum dan BPR
(cash in vault) tidak termasuk dalam perhitungan yang beredar
Currency in Circulation in the narrow sense/Narrow money (M1) refers to monetary system liabilities,
consisting of currency held by the public in the domestic private sector as well as in demand deposits either
in commercial banks or rural banks, or at Bank Indonesia. In this sense, currency held as cash in vault at
Bank Indonesia, commercial banks and rural banks is not included in the calculation of money in
circulation.
Uang Elektronik/ Electronic Money : Alat pembayaran yang memenuhi unsur- unsur seperti diterbitkan atas dasar nilai uang yang disetor
terlebih dahulu oleh pemegang kepada penerbit; nilai uang disimpan secara elektronik dalam suatu media
seperti server atau chip; digunakan sebagai alat pembayaran kepada pedagang yang bukan merupakan
penerbit uang elektronik tersebut; dan nilai uang elektronik yang disetor oleh pemegang dan dikelola oleh
penerbit bukan merupakan simpanan sebagaimana dimaksud dalam undang-undang yang mengatur
mengenai perbankan.
Electronic Money is a payment instrument whereby monetary value is electronically stored on a medium
such as a server or chip, and for which the customer pays an issuer in advance. It is used as a means of
payment to merchants who are distinct from the electronic money issuer. The value of the electronic money
stored by the customer does not constitute a deposit as defined in the laws regulating the banking sector.
Uang dalam peredaran (Uang Yang : Uang kartal Yang Diedarkan terdiri dari uang kertas, uang logam dan uang khusus yang dikeluarkan oleh
Diedarkan/UYD)/ Currency in Circulation otoritas moneter sebagai alat pembayaran yang sah. Bank Indonesia merupakan satu-satunya lembaga yang
berwenang mengeluarkan dan mengedarkan uang Rupiah serta mencabut, dan menarik uang yang
dimaksud dari peredaran.
Currency in Circulation (UYD) is Rupiah money declared to be legal tender which is not in possession of
Bank Indonesia. Bank Indonesia is the only institution authorized to issue and circulate rupiah as well as
revoke and withdraw this money from circulation.
Usaha Kecil/ Small Business : Usaha ekonomi produktif yang berdiri sendiri, yang dilakukan oleh perseorangan atau badan usaha yang
bukan merupakan anak perusahaan atau bukan cabang perusahaan yang dimiliki, dikuasai, atau menjadi
bagian baik langsung maupun tidak langsung dari usaha menengah atau usaha besar yaitu memiliki
kekayaan bersih lebih dari Rp 50.000.000,- (lima puluh juta rupiah) sampai dengan paling banyak Rp
500.000.000,- (lima ratus juta rupiah) tidak termasuk tanah dan bangunan tempat usaha, atau memiliki hasil
penjualan tahunan lebih dari Rp 300.000.000,- (tiga ratus juta rupiah) sampai paling banyak Rp
2.500.000.000,-(dua milyar lima ratus juta rupiah)
Small Enterprise is an independent economic entity, which is not a subsidiary or branch of a large or
medium enterprise, and is not directly or indirectly controlled by a large or medium enterprise. It has net
assets of at least Rp 50.000.000 (fifty million rupiah) and no more than Rp 500.000.000 (five hundred
million rupiah) not including land or buildings, or has annual sales of between Rp 300.000.000 (three
hundred million rupiah) and Rp 2.500.000.000 (two billion five hundred million rupiah).
Usaha Menengah/ Medium Business : Usaha ekonomi produktif yang berdiri sendiri, yang dilakukan oleh perseorangan atau badan usaha yang
bukan merupakan anak perusahaan atau bukan cabang perusahaan yang dimiliki, dikuasai, atau menjadi
bagian baik langsung maupun tidak langsung dari usaha kecil atau usaha besar yaitu memiliki kekayaan
bersih lebih dari Rp 500.000.000,- (lima ratus juta rupiah) sampai dengan paling banyak Rp
10.000.000.000,- (sepuluh milyar rupiah) tidak termasuk tanah dan bangunan tempat usaha atau memiliki
hasil penjualan tahunan lebih dari Rp 2.500.000.000,- (dua milyar lima ratus juta rupiah) sampai dengan
paling banyak Rp 50.000.000.000,- (lima puluh milyar rupiah)
Medium Enterprise is an independent economic entity, which is not a subsidiary or branch of a large or
medium enterprise, and is not directly or indirectly controlled by a large or medium enterprise. It has net
assets of at least Rp 500.000.000 (five hundred million rupiah) and no more than Rp 10.000.000.000 (ten
billion rupiah) not including land or buildings, or has annual sales of between Rp 2.500.000.000 (two
billion five hundred million rupiah) and Rp 50.000.000.000 (fifty billion rupiah).
Usaha Mikro/ Micro Business : Usaha produktif milik perseorangan dan/atau badan usaha perorangan yang memenuhi kriteria usaha mikro
yaitu memiliki kekayaan bersih paling banyak Rp 50.000.000,- (lima puluh juta rupiah) tidak termasuk
tanah dan bangunan tempat usaha atau memiliki hasil penjualan tahunan paling banyak Rp 300.000.000,-
(tiga ratus juta rupiah).
Micro Enterprise is a productive business managed by a private individual and/or private business entity
which meets the criteria for a micro enterprise of having net assets of no more than Rp 50.000.000 (fifty
million rupiah) not including land or buildings, or annual sales of no more than Rp 300.000.000 (three
hundred million rupiah).
Utang Luar Negeri/ External Debt : Posisi kewajiban aktual penduduk Indonesia kepada bukan penduduk pada suatu waktu, tidak termasuk
kontijen, yang membutuhkan pembayaran kembali bunga dan/atau pokok pada waktu yang akan datang.
Foreign Debt refers to the actual liability position of Indonesian residents to nonresidents at a given time,
excluding contingent liabilities, which requires the repayment of interest and/or principal in the future.

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Keterangan, Tanda-tanda dan Sumber Data Notes, Symbols and Sources of Data

r Angka diperbaiki (revisi) r Revised Figures

Disusun dan diseminasikan oleh Compiled and disseminated by:

AFS Available for Sale

APYD Aktiva Produktif Yang Diklasifikasikan/ Classified Earnings Assets

CKPN Cadangan Kerugian Penurunan Nilai/ Allowance for Impairment Losses

IHPR Indeks Harga Properti Residensial/ Residential Property Price Index

ISSK Indeks Stabilitas Sistem Keuangan/ Financil System Stability Index

LPS Lembaga Penjamin Simpanan/ Indonesia Deposit Insurance Corporation

SBSN Surat Berharga Syariah Nasional/ Sharia Government Securities

Penyusunan SSKI bekerjasama

DEPARTEMEN STATISTIK STATISTICS DEPARTMENT

** Angka sangat Sementara ** Very preliminary figures

Statistik Sistem Keuangan Indonesia 9 Bank Indonesia

Indonesia Financial System Statistics

Statistik Sistem Keuangan Indonesia

41 BUKU II Group of Business Acitivies II 41

45 BUKU III Group of Business Acitivies III 45

49 BUKU IV Group of Business Acitivies IV 49

57 KBMI I Group of Business Acitivies I 57

61 KBMI II Group of Business Acitivies II 61

65 KBMI III Group of Business Acitivies III 65

69 KBMI IV Group of Business Acitivies IV 69

142 Sektor Jasa-jasa Sosial Masyarakat % - - - - - - - - - - - - - - - - - - Social Services Sector 142

206 Berdasarkan Bukan Lapangan Usaha By Non-economy Sector 206

klasifikasi mengacu pada POJK No.12/POJK.03/2021 No.12/POJK.03/2021

Sumber: BI dan OJK (diolah) Source: BI and FSA (processed)

2021 2022 2023

Statistik Sistem Keuangan Indonesia

* Angka Sementara * Preliminary figures

Statistik Sistem Keuangan Indonesia

TABLE 5a. TOTAL LOCATIONAL BANKING STATISTICS (LBS) INDONESIA 1)

*Angka Sementara *Preliminary Figures

Sumber: Bank Indonesia Source: Bank Indonesia

- Tahun 2023 menggunakan banking list 2022.

Sumber: Bank Indonesia

breakdown, based on Guidelines Bank for International Settlements (BIS)

- In 2023, using the 2022 banking list.

Source: Bank Indonesia

breakdown, based on Guidelines Bank for International Settlements (BIS)

- In 2023, using the 2022 banking list.

Source: Bank Indonesia

Statistik Sistem Keuangan Indonesia

Source: Bank Indonesia

Statistik Sistem Keuangan Indonesia

TABEL 5d.1. LOCATIONAL BANKING STATISTICS (LBS) INDONESIA VIS A VIS

Sumber: Bank Indonesia Source: Bank Indonesia

Statistik Sistem Keuangan Indonesia

Negara Mitra Satuan/Unit

Source: Bank Indonesia

65 Emas Murni Rp Miliar/ Billions of Rp - - 7 - - - - - - - - - - - - - - - Gold 65

Statistik Sistem Keuangan Indonesia 27 Bank Indonesia

Statistik Sistem Keuangan Indonesia 28 Bank Indonesia

- Perhitungan rasio berdasarkan publikasi OJK. - Calculation of ratio based on FSA

Sumber: OJK (diolah) Source: FSA (Processed)

Statistik Sistem Keuangan Indonesia 29 Bank Indonesia

TABLE 7. INDICATORS OF FINANCE COMPANY

19 Komposisi Pembiayaan terhadap Total Aset 1) Composition of Financing to Total Assets 1) 19

Statistik Sistem Keuangan Indonesia

TABLE 7. INDICATORS OF FINANCE COMPANY

* Angka Sementara *Preliminary Figures

Sumber: OJK (diolah) Source: FSA (processed)

Statistik Sistem Keuangan Indonesia

Angka sangat Sementara Very preliminary figures

Angka Sementara Preliminary Figures

Angka Sementara Preliminary Figures

Angka sementara Preliminary figures

Angka sementara Preliminary figures