Knowledge Sharing Forum

Increasing Funding Through Customer Base & PHR

Anton Sukarna, Direktur Sales & Distribution

PT Bank Syariah Indonesia Tbk

Jakarta, 20 Maret 2023
Alhamdulillah BSI telah berhasil melewati proses merger dengan baik
dan tahun 2022 bertumbuh sehat & sustain

2
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 House of Strategy BSI 2023

Target Laba > Rp6 Triliun

Pertumbuhan Melalui Digital &
Pertumbuhan yang Sehat & Sustain Produktifitas dan Efisiensi
Peningkatan Product Holding Ratio

• Pertumbuhan dana murah melalui produk • Peningkatan Customer melalui digital

tabungan khususnya tabungan bisnis
Fokus • Pertumbuhan di segmen dengan kualitas baik
& yield yang memadai seperti consumer dan
pawning
• Pertumbuhan FBI khususnya di Digital
channel (Superapps) • Perbaikan Produktifitas per pegawai
• Peningkatan Product Holding Ratio melalui • Pengendalian biaya untuk mencapai
Customer Analytic tingkat efisiensi yang optimal baik di
Kantor Pusat dan Wilayah
• Business Process Re-engineering Retail
Financing

• Productivity Enhancement • HC Policy/Process streamlining

Human Capital • Strengthen Employee Relation • Talent & Succession Management
• Competency and Carrier Growth Model • Culture Integration Strengthening

• Stabilisasi Core Banking (Core Modernization)

Information Technology & • Adaptasi Modern Technology
Fundamental
Digital • Develop New Capabilities (New CMS, Trade System, CRM dll)
Enablers • Operational Excellence

• Implementasi Enterprise Risk Management System, Resolution Plan, Strategy Anti Fraud, dll
Risk Management & • Development product, instrument & skema bisnis syariah global, rescue tools, Antifraud
Detection Tools, dll 5
Compliance • Implementasi GRC (Governance, Risk and Compliance)
5
 5 Fokus Strategi 2023

01 Pertumbuhan Bisnis:
▪ Dana murah yang sehat dan sustain
▪ Pembiayaan berkualitas sehat
▪ Fee Based Income

02 Penurunan CIR setara dengan top 10 bank

03 Peningkatan Product Holding Ratio

Digitalisasi bisnis khususnya:

• Peningkatan user aktif mobile banking
04 • Shifting transaction ke digital
• Digitalisasi business process

05 Peningkatan penetrasi Islamic Ecosystem

6
Target DPK 2023
Target Customer based & growth DPK

Growth DPK Komposisi CASA Growth Tabungan

23 T >70 % > 20 T

Tabungan
Tabungan Bisnis Tabungan Haji & Umroh Tabungan Wadiah
Mudharabah

7,6 T 1,4 T 6,1 T 4,9 T

110 ribu CIF 450 ribu CIF 825 ribu CIF 1,3 juta CIF

SME, MBG, ISE SME, MBG, ISE

ISE, RDP, WMG, IB, ISE, RDP,
WMG, RDP, RO, WMG, RDP, RO,
RO, DSG RO, DSG
DSG DSG

Growth Customer Base 2023

~ 2,7 Juta Nasabah
7
Tren Pertumbuhan DPK (YtD)
Pertumbuhan DPK unsustain
DPK Tabungan

Rp14,3 T (11 Bulan) Rp14 T Rp6,9 T (11 Bulan) Rp5,9 T

261,5 116,5

257,4 259,4
257,4 113,2
113,2 113,1

110,6
109,1 109,2
247,0 247,5 107,6 107,8
246,2 106,5
244,7 245,2
244,0
241,9 104,1 104,5
238,5
237,1
235,5 235,3 100,7
99,3 99,0

Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Dec Jan-23 Feb-23 Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Des Jan-23 Feb-23

2022 2023 2022 2023

8
Tren Pertumbuhan DPK (MtM)
DPK sudah positive growth di Februari 2023, tapi Tabungan masih negative growth.

Rp Miliar
DPK Giro
4.773
13.966

8.634 2.426
1.876 2.205 1.569 2.567 2.254 3.778
6.573 1.428 991
5.008 1.450
509 176
3.241 3.808 4.244 1.874 1.554
2.276 2.062
2.034 4.806 3.557 (2.173) 604
849 400 192 79
2.800 (682)
(235) (1.475) 1.519 (1.143)
(2.237) (2.046)
(1.209) (2.547)
(1.142) (785) (2.765)
(1.841) (1.855) (3.542)
(2.473)
(4.139)

(6.324)

Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Des
2021 2022 2023 2021 2022 2023
Tabungan Deposito
Tabungan Deposito
6.090
5.871 5.454
4.349
5.701 3.523 3.322
3.109
3.365 3.156
3.030 2.013
2.064 1.424 1.442
1.719 2.777 669
1.053 1.276 168
882 (366)
269 536 1.366 (1.102)
(1.394) 637
(272) (10) 1.381 (1.937)
(292) 1.255
368 819 (846)
387 218 (1.470) (1.411)
169 (1.713)
(407) (2.599) (2.286)
(952) (2.668) (3.933)
(1.389)

(3.327)
Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Aug Sep Okt Nov Dec
2021 2022 2023 2021 2022 2023 9
 Fokus 1 Fokus pada Targeted Customer:
Meningkatkan Customer Base & PHR

Menjalankan
Triangle of Fokus pada dana murah:

Performance 2 Tabungan Business dan Tabungan Haji, The New

Game Changer

Disciplin untuk
meningkatkan
3
Contribution Margin Mindset:
Profitability (CM) & Meningkatkan Revenue (CIR)
Produktivitas
10
Fokus 1: Customer Base
DPK Februari 2023
Pertumbuhan Customer Base dan Volume DPK
Perkembangan Customer Base DPK
Growth YtD Growth MtM
Jenis Feb-22 Dec-22 Jan-23 Feb-23
Nom % Nom %
DPK 16.192.397 17.775.311 17.906.191 18.277.910 502.599 2,83% 371.719 2,08%

Tabungan 16.123.064 17.703.663 17.834.280 18.205.735 502.072 2,84% 371.455 2,08%

Giro* 132.134 132.782 133.405 133.429 647 0,49% 24 0,02%

Deposito 143.344 140.453 140.415 139.794 -659 -0,47% -621 -0,44%

*Penurunan Customer Giro YtD disebabkan perubahan mapping product dari Giro Mandiri Syariah Dollar menjadi Tabungan Valas

Target Growth YtD Growth YoY Growth

Keterangan Feb-22 Dec-22 Jan-23 Feb-23
Feb-23 Penc, (%) Nom % Nom % MtM

Total DPK 235.292 261.491 257.352 259.385 262.156 98,94% -2.106 -0,81% 24.093 10,24% 2.034

a. Giro 36.331 44.521 42.284 44.160 44.749 98,68% -361 -0,81% 7.829 21,55% 1.876

b. Tabungan 99.015 116.484 113.157 113.148 116.611 97,03% -3.337 -2,86% 14.132 14,27% -10

c. Deposito 99.946 100.486 101.910 102.078 100.796 101,27% 1.592 1,58% 2.132 2,13% 168

Total Dana Murah (a+b) 135.346 161.005 155.441 157.307 161.360 97,49% -3.698 -2,30% 21.961 16,23% 1.866

% Dana Murah 57,52% 61,57% 60,40% 60,65% 61,55% 98,53% -0,93% 3,12% 0,25%

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DPK Februari 2023
Pertumbuhan Customer Base Tabungan

Realisasi Growth Rata-rata

Pertumbuhan
No RO Pertumbuhan Jumlah Outlet
CIF/ Outlet
31-Dec-22 28-Feb-23 YtD Tabungan/ Hari

1 RO I/ Aceh 2.980.622 3.237.746 257.124 6.122 155 39

2 RO II/ Medan 1.498.688 1.527.758 29.070 692 96 7
3 RO III/ Palembang 1.764.925 1.797.999 33.074 787 111 7
4 RO IV/ Jakarta 1 1.766.573 1.790.110 23.537 560 127 4
5 RO V/ Jakarta 2 1.258.994 1.279.385 20.391 486 109 4
6 RO VI/ Bandung 1.539.321 1.559.334 20.013 477 95 5
7 RO VII/ Semarang 2.045.458 2.073.098 27.640 658 111 6
8 RO VIII/ Surabaya 2.650.793 2.693.230 42.437 1.010 162 6
9 RO IX/ Kalimantan 1.062.781 1.082.778 19.997 476 71 7
10 RO X/ Makassar 1.118.517 1.146.357 27.840 663 75 9
Total RO 17.686.672 18.187.795 501.123 11.932 1.112 11

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DPK Februari 2023
Pertumbuhan Customer Base Tabungan
Realisasi Growth Rata-rata Rata-rata Rata-rata
No Area Pertumbuhan Pertumbuhan Pertumbuhan
31-Dec-22 28-Feb-23 YtD
Tabungan/ Hari Tabungan/ Hari Tabungan/ Hari

1 Area Banda Aceh 884.048 945.819 61.771 1.471 52 28

2 Area Lhokseumawe 1.360.158 1.483.705 123.547 2.942 64 46
3 Area Meulaboh 736.416 808.222 71.806 1.710 39 44
4 Area Batam 235.611 241.452 5.841 139 18 8
5 Area Medan Kota 292.612 296.985 4.373 104 17 6
6 Area Medan Raya 180.657 185.893 5.236 125 15 8
7 Area Pekanbaru 511.106 519.688 8.582 204 31 7
8 Area Pematangsiantar 278.702 283.740 5.038 120 15 8
9 Area Bandar Lampung 484.631 491.456 6.825 163 22 7
10 Area Bengkulu 197.747 202.274 4.527 108 13 8
11 Area Jambi 260.618 267.038 6.420 153 17 9
12 Area Padang 402.345 408.234 5.889 140 27 5
13 Area Palembang 419.584 428.997 9.413 224 32 7
14 Area Banten 579.785 585.760 5.975 142 24 6
15 Area Bekasi 365.555 370.486 4.931 117 20 6
16 Area Jakarta Kebon Jeruk 196.588 199.519 2.931 70 20 3
17 Area Jakarta Kelapa Gading 181.521 183.854 2.333 56 19 3
18 Area Jakarta Rawamangun 241.254 244.968 3.714 88 22 4
19 Area Jakarta Thamrin 201.870 205.523 3.653 87 22 4
20 Area Bogor 387.090 392.941 5.851 139 22 6
21 Area Depok 262.503 266.465 3.962 94 20 5
22 Area Jakarta Fatmawati 160.640 162.401 1.761 42 19 2
23 Area Jakarta Pondok Indah 142.438 144.751 2.313 55 19 3

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DPK Februari 2023
Pertumbuhan Customer Base Tabungan
Realisasi Growth Rata-rata Rata-rata Rata-rata
No Area Pertumbuhan Pertumbuhan Pertumbuhan
31-Dec-22 28-Feb-23 YtD Tabungan/ Hari Tabungan/ Hari Tabungan/ Hari

24 Area Jakarta Saharjo 131.251 133.437 2.186 52 15 3

25 Area Tangerang Selatan 175.072 179.390 4.318 103 14 7
26 Area Bandung Kota 547.912 553.184 5.272 126 37 3
27 Area Bandung Raya 525.215 532.392 7.177 171 30 6
28 Area Cirebon 466.194 473.758 7.564 180 28 6
29 Area Purwokerto 282.905 286.844 3.939 94 15 6
30 Area Semarang Kota 580.632 585.843 5.211 124 27 5
31 Area Pekalongan 304.307 309.037 4.730 113 18 6
32 Area Solo 445.823 451.001 5.178 123 23 5
33 Area Yogyakarta 431.791 440.373 8.582 204 28 7
34 Area Denpasar 458.522 471.605 13.083 312 29 11
35 Area Jember 311.704 316.257 4.553 108 21 5
36 Area Kediri 428.309 434.265 5.956 142 25 6
37 Area Malang 409.651 415.179 5.528 132 25 5
38 Area Surabaya Kota 425.326 430.486 5.160 123 31 4
39 Area Surabaya Raya 617.281 625.438 8.157 194 31 6
40 Area Balikpapan 360.043 367.733 7.690 183 25 7
41 Area Banjarmasin 448.067 455.939 7.872 187 28 7
42 Area Pontianak 254.671 259.106 4.435 106 18 6
43 Area Makassar 605.566 617.898 12.332 294 35 8
44 Area Manado 201.063 205.929 4.866 116 20 6
45 Area Palu 311.888 322.530 10.642 253 20 13
Total Area 17.686.672 18.187.795 501.123 11.932 1.112 11

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Fokus Segmen
Fokus 3 (Tiga) Target Ekosistem
• Payroll Pegawai
• Koperasi Satker
• Belanja Pegawai
• Belanja Modal Akuisisi Berbasis Ekosistem,
Ekosistem • Bansos
Keuangan Negara Digital & Tumbuh Sustain
Haji & Umroh Sekolah Islam Pesantren Berbasis Transaksi
• Travel • Owner Sekolah • Kyai
• Jamaah • Sekolah • Santri
• Asosiasi • Siswa • Wali
• Airlines • Wali • UMKM
• UMKM • Alumni
Masjid Ziswaf
• Takmir Halal Industri
• Baznas, Laznaz
• Jamaah • BPJPH
• BWI, FOZ
• DMI • LP3H
• Muzaki &
• LPH
Islamic Ecosystem Mustahiq
• MUI
• Kemendag
• Kemenperin
• Kemenkopukm
• UMKM

Delivery Channel
• Asosiasi
• Komunitas (F&B, Fashion, &
Education)
• Koperasi (KSPPS, BMT)
Ekosistem • Private Company
Pengusaha Muslim • Klinik
16
Fokus Kementerian Vertikal
Rp Triliun

Belanja Belanja Belanja

No Kementerian Batuan Sosial Jumlah
Pegawai Barang Modal

1 Kementerian Umum dan Perumahan Rakyat 2.918 38.091 84.209 - 125.217

2 Kementerian Kesehatan 5.757 27.159 6.011 46.532 85.459

3 Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi 25.286 30.782 4.214 19.939 80.221

4 Kementerian Agama 40.122 23.313 4.439 2.572 70.446

5 Kementerian Keuangan 23.250 19.560 2.415 - 45.225

6 Kementerian Perhubungan 3.813 14.938 14.690 - 33.441

7 Kementerian Hukum Dan Hak Asasi Manusia RI 8.074 7.945 2.577 - 18.595

Potensi 3.373 Satker Potensi 3.355 Satker Potensi 1.210 Satker Potensi 7.573 Satker Potensi 1.323 Satker Potensi 945 Satker Potensi 1.911 Satker
17
Perkembangan Akusisi Customer Base Kementerian meningkat 24.034 CIF di Februari 2023 (MtM)
REALISASI GROWTH
NO KEMENTERIAN
DES22 % JAN23 % FEB23 % YtD MtM
1 KEMENTERIAN AGAMA 88.313 37,8% 81.907 40,90% 89.848 40,06% 1.535 7.941
2 KEMENTERIAN PERTAHANAN 19.916 8,5% 19.225 9,60% 19.272 8,59% -644 47
3 KEMENTERIAN KESEHATAN 11.918 5,1% 8.909 4,45% 14.642 6,53% 2.724 5.733
4 KEPOLISIAN NEGARA REPUBLIK INDONESIA 14.964 6,4% 14.793 7,39% 14.579 6,50% -385 -214
5 KEMENTERIAN HUKUM DAN HAK ASASI MANUSIA RI 13.510 5,8% 12.823 6,40% 13.587 6,06% 77 764
6 KEMENTERIAN KEUANGAN 11.761 5,0% 11.645 5,81% 11.779 5,25% 18 134
7 KEMENTERIAN PENDIDIKAN, KEBUDAYAAN, RISET, DAN TEKNOLOGI 11.609 5,0% 9.717 4,85% 10.809 4,82% -800 1.092
8 MAHKAMAH AGUNG 9.501 4,1% 8.916 4,45% 9.670 4,31% 169 754
9 KEMENTERIAN PERHUBUNGAN 4.931 2,1% 4.373 2,18% 5.562 2,48% 631 1.189
10 BADAN PUSAT STATISTIK 3.650 1,6% 3.551 1,77% 3.635 1,62% -15 84
11 KEMENTERIAN PEKERJAAN UMUM DAN PERUMAHAN RAKYAT 3.523 1,5% 3.148 1,57% 3.475 1,55% -48 327
12 KOMISI PEMILIHAN UMUM 2.349 1,0% 1.817 0,91% 2.075 0,93% -274 258
13 KEMENTERIAN LINGKUNGAN HIDUP DAN KEHUTANAN 2.033 0,9% 1.872 0,93% 2.056 0,92% 23 184
14 KEMENTERIAN AGRARIA DAN TATA RUANG/BPN 1.943 0,8% 1.516 0,76% 1.885 0,84% -58 369
15 KEJAKSAAN REPUBLIK INDONESIA 1.560 0,7% 1.439 0,72% 1.618 0,72% 58 179
16 KEMENTERIAN KELAUTAN DAN PERIKANAN 1.610 0,7% 1.448 0,72% 1.618 0,72% 8 170
17 LEMBAGA PENYIARAN PUBLIK RADIO REPUBLIK INDONESIA 967 0,4% 895 0,45% 949 0,42% -18 54
18 BADAN KEPENDUDUKAN DAN KELUARGA BERENCANA NASIONAL (BKKBN) 843 0,4% 856 0,43% 875 0,39% 32 19
19 KEMENTERIAN PERTANIAN 778 0,3% 762 0,38% 828 0,37% 50 66
20 BADAN NARKOTIKA NASIONAL (BNN) 811 0,3% 740 0,37% 822 0,37% 11 82
21 BADAN PENGAWAS PEMILIHAN UMUM 742 0,3% 698 0,35% 749 0,33% 7 51
22 BADAN STANDARISASI NASIONAL (BSN) 723 0,3% 525 0,26% 739 0,33% 16 214
23 KEMENTERIAN PERINDUSTRIAN 778 0,3% 633 0,32% 727 0,32% -51 94
24 BADAN METEOROLOGI, KLIMATOLOGI DAN GEOFISIKA 698 0,3% 618 0,31% 667 0,30% -31 49
25 BADAN NASIONAL PENCARIAN DAN PERTOLONGAN (BASARNAS) 499 0,2% 497 0,25% 508 0,23% 9 11
26 BADAN PENGAWAS OBAT DAN MAKANAN 478 0,2% 464 0,23% 485 0,22% 7 21

18
Perkembangan Akusisi Customer Base Kementerian meningkat 24.034 CIF di Februari 2023 (MtM)
REALISASI GROWTH
NO KEMENTERIAN
DES22 % JAN23 % FEB23 % YtD MtM
27 KEMENTERIAN SOSIAL 357 0,2% 358 0,18% 350 0,16% -7 -8
28 KEMENTERIAN KOMUNIKASI DAN INFORMATIKA 332 0,1% 269 0,13% 338 0,15% 6 69
29 KOMISI PEMBERANTASAN KORUPSI (KPK) 262 0,1% 263 0,13% 263 0,12% 1 0
30 KEMENTERIAN PARIWISATA DAN EKONOMI KREATIF/BADAN PARIWISATA DAN
EKONOMI KREATIF 261 0,1% 190 0,09% 261 0,12% 0 71
31 BADAN PENGAWASAN KEUANGAN DAN PEMBANGUNAN (BPKP) 242 0,1% 228 0,11% 228 0,10% -14 0
32 KEMENTERIAN KOORDINATOR BIDANG PEREKONOMIAN 212 0,1% 214 0,11% 215 0,10% 3 1
33 LEMBAGA ADMINISTRASI NEGARA 175 0,1% 175 0,09% 175 0,08% 0 0
34 TELEVISI REPUBLIK INDONESIA 175 0,1% 171 0,09% 168 0,07% -7 -3
35 KEMENTERIAN KOORDINATOR BIDANG KEMARITIMAN DAN INVESTASI 164 0,1% 163 0,08% 166 0,07% 2 3
36 KEMENTERIAN PERDAGANGAN 159 0,1% 126 0,06% 165 0,07% 6 39
37 BADAN NASIONAL PENANGGULANGAN BENCANA (BNPB) 164 0,1% 160 0,08% 162 0,07% -2 2
38 KEMENTERIAN ENERGI DAN SUMBER DAYA MINERAL 123 0,1% 122 0,06% 124 0,06% 1 2
39 BADAN KEPEGAWAIAN NEGARA 108 0,0% 101 0,05% 118 0,05% 10 17
40 KEMENTERIAN KETENAGAKERJAAN 145 0,1% 148 0,07% 117 0,05% -28 -31
41 KEMENTERIAN SEKRETARIAT NEGARA 96 0,0% 96 0,05% 98 0,04% 2 2
42 KEMENTERIAN DESA, PEMBANGUNAN DAERAH TERTINGGAL DAN TRANSMIGRASI 62 0,0% 45 0,02% 61 0,03% -1 16
43 BADAN PERENCANAAN PEMBANGUNAN NASIONAL / BAPPENAS 65 0,0% 59 0,03% 59 0,03% -6 0
44 LEMBAGA KEBIJAKAN PENGADAAN BARANG/JASA PEMERINTAH (LKPP) 56 0,0% 58 0,03% 59 0,03% 3 1
BADAN NASIONAL PENEMPATAN DAN PERLINDUNGAN TENAGA KERJA INDONESIA
45 (BNP2TKI) 56 0,0% 54 0,03% 55 0,02% -1 1
46 ARSIP NASIONAL REPUBLIK INDONESIA 50 0,0% 21 0,01% 48 0,02% -2 27
47 KEMENTERIAN DALAM NEGERI 18 0,0% 38 0,02% 39 0,02% 21 1
48 MAHKAMAH KONSTITUSI RI 33 0,0% 33 0,02% 38 0,02% 5 5
49 KOMISI YUDISIAL REPUBLIK INDONESIA 15 0,0% 14 0,01% 15 0,01% 0 1
50 BADAN RISET DAN INOVASI NASIONAL 8 0,0% 6 0,00% 5 0,00% -3 -1
BADAN PENGUSAHAAN KAWASAN PERDAGANGAN BEBAS DAN PELABUHAN BEBAS
51 SABANG 167 0,1% - 0,00% - 0,00% -167 0
52 KEMENTERIAN LUAR NEGERI 1 0,0% - 0,00% - 0,00% -1 0
LAINNYA 19.539 8,4% 3.364 1,68% 7.511 3,35% -12.028 4.147

Grand Total 233.453 100% 200.263 224.297 -9.156 24.03419

Pertumbuhan BO2 – Region

Growth Growth (%)

NO NAMA_OUTLET
Dec-22 Jan-23 Feb-23 YtD MtM YtD MtM

1 RO I/ ACEH 71.458 61.451 67.573 (3.885,00) 6.122,00 -5,44% 9,96%

2 RO II/ MEDAN 23.273 20.204 22.653 (620,00) 2.449,00 -2,66% 12,12%

3 RO III/ PALEMBANG 28.185 23.917 26.229 (1.956,00) 2.312,00 -6,94% 9,67%

4 RO IV/ JAKARTA 1 15.220 13.189 13.994 (1.226,00) 805,00 -8,06% 6,10%

5 RO V/ JAKARTA 2 7.874 7.272 7.471 (403,00) 199,00 -5,12% 2,74%

6 RO VI/ BANDUNG 7.800 6.881 8.794 994,00 1.913,00 12,74% 27,80%

7 RO VII/ SEMARANG 15.270 14.960 17.625 2.355,00 2.665,00 15,42% 17,81%

8 RO VIII/ SURABAYA 23.177 19.474 21.262 (1.915,00) 1.788,00 -8,26% 9,18%

9 RO IX/ KALIMANTAN 15.450 12.082 14.490 (960,00) 2.408,00 -6,21% 19,93%

10 RO X/ MAKASSAR 25.805 20.892 24.265 (1.540,00) 3.373,00 -5,97% 16,14%

TOTAL 233.512 200.322 224.356 (9.156,00) 24.034,00 -3,92% 12,00%

20
Pertumbuhan BO2 - Area
Growth Growth (%)
NO NAMA_OUTLET
Dec-22 Jan-23 Feb-23 YtD MtM YtD MtM

1 AREA BANDA ACEH 31.330 27.565 29.422 (1.908,00) 1.857,00 -6,09% 6,74%
2 AREA MEULABOH 17.032 14.280 16.018 (1.014,00) 1.738,00 -5,95% 12,17%
3 AREA LHOKSEUMAWE 23.096 19.606 22.133 (963,00) 2.527,00 -4,17% 12,89%
4 AREA MEDAN KOTA 4.797 4.355 4.558 (239,00) 203,00 -4,98% 4,66%
5 AREA PEKANBARU 8.117 6.545 8.411 294,00 1.866,00 3,62% 28,51%
6 AREA PEMATANGSIANTAR 5.367 4.746 4.864 (503,00) 118,00 -9,37% 2,49%
7 AREA BATAM 2.252 2.131 2.226 (26,00) 95,00 -1,15% 4,46%
8 AREA MEDAN RAYA 2.740 2.427 2.594 (146,00) 167,00 -5,33% 6,88%
9 AREA PALEMBANG 6.759 5.299 5.703 (1.056,00) 404,00 -15,62% 7,62%
10 AREA PADANG 7.553 6.332 7.169 (384,00) 837,00 -5,08% 13,22%
11 AREA JAMBI 5.884 4.989 5.844 (40,00) 855,00 -0,68% 17,14%
12 AREA BANDAR LAMPUNG 3.906 3.797 3.611 (295,00) (186,00) -7,55% -4,90%
13 AREA BENGKULU 4.083 3.500 3.902 (181,00) 402,00 -4,43% 11,49%
14 AREA BANTEN 1.844 1.461 1.607 (237,00) 146,00 -12,85% 9,99%
15 AREA JAKARTA KELAPA GADING 1.939 1.894 1.914 (25,00) 20,00 -1,29% 1,06%
16 AREA JAKARTA KEBON JERUK 2.261 1.752 2.223 (38,00) 471,00 -1,68% 26,88%
17 AREA JAKARTA THAMRIN 4.802 4.069 4.772 (30,00) 703,00 -0,62% 17,28%
18 AREA BEKASI 971 787 918 (53,00) 131,00 -5,46% 16,65%
19 AREA JAKARTA RAWAMANGUN 3.403 3.226 2.560 (843,00) (666,00) -24,77% -20,64%
20 AREA TANGERANG SELATAN 876 780 813 (63,00) 33,00 -7,19% 4,23%
21 AREA JAKARTA FATMAWATI 1.856 1.720 1.778 (78,00) 58,00 -4,20% 3,37%
22 AREA JAKARTA PONDOK INDAH 589 530 558 (31,00) 28,00 -5,26% 5,28%
23 AREA BOGOR 2.905 2.773 2.794 (111,00) 21,00 -3,82% 0,76%

21
Pertumbuhan BO2 - Area
Growth Growth (%)
NO NAMA_OUTLET
Dec-22 Jan-23 Feb-23 YtD MtM YtD MtM

24 AREA JAKARTA SAHARJO 738 711 645 (93,00) (66,00) -12,60% -9,28%
25 AREA DEPOK 910 758 883 (27,00) 125,00 -2,97% 16,49%
26 AREA BANDUNG KOTA 3.103 2.091 2.870 (233,00) 779,00 -7,51% 37,25%
27 AREA CIREBON 2.427 3.387 3.664 1.237,00 277,00 50,97% 8,18%
28 AREA BANDUNG RAYA 2.270 1.403 2.260 (10,00) 857,00 -0,44% 61,08%
29 AREA PEKALONGAN 2.867 2.552 3.051 184,00 499,00 6,42% 19,55%
30 AREA SOLO 995 1.111 1.184 189,00 73,00 18,99% 6,57%
31 AREA YOGYAKARTA 3.315 3.548 4.614 1.299,00 1.066,00 39,19% 30,05%
32 AREA SEMARANG KOTA 3.775 3.845 4.318 543,00 473,00 14,38% 12,30%
33 AREA PURWOKERTO 4.318 3.904 4.458 140,00 554,00 3,24% 14,19%
34 AREA SURABAYA KOTA 1.566 1.489 1.510 (56,00) 21,00 -3,58% 1,41%
35 AREA SURABAYA RAYA 5.760 3.263 3.654 (2.106,00) 391,00 -36,56% 11,98%
36 AREA MALANG 1.273 1.070 1.289 16,00 219,00 1,26% 20,47%
37 AREA DENPASAR 4.507 4.120 4.697 190,00 577,00 4,22% 14,00%
38 AREA KEDIRI 5.313 4.942 5.385 72,00 443,00 1,36% 8,96%
39 AREA JEMBER 4.758 4.590 4.727 (31,00) 137,00 -0,65% 2,98%
40 AREA BANJARMASIN 6.407 4.132 5.422 (985,00) 1.290,00 -15,37% 31,22%
41 AREA BALIKPAPAN 5.465 4.597 5.279 (186,00) 682,00 -3,40% 14,84%
42 AREA PONTIANAK 3.578 3.353 3.789 211,00 436,00 5,90% 13,00%
43 AREA MAKASSAR 9.732 8.106 9.500 (232,00) 1.394,00 -2,38% 17,20%
44 AREA PALU 9.139 7.528 8.324 (815,00) 796,00 -8,92% 10,57%
45 AREA MANADO 6.934 5.258 6.441 (493,00) 1.183,00 -7,11% 22,50%
TOTAL 233.512 200.322 224.356 (9.156,00) 24.034,00 -3,92% 12,00%

22
Fokus 2: Volume Bisnis – Tabungan Haji & Bisnis
Tabungan Februari 2023
Tren Tabungan bisnis & Tabungan Haji meningkat

Rp Miliar

Growth YtD Growth YoY

Jenis Tabungan Dec-21 Jan-22 Mar-22 Jun-22 Sep-22 Des-22 Jan-23 Feb-23
Nom % Nom %
Tabungan BSI Wadiah 30.531 30.212 31.093 33.693 34.913 38.101 36.882 36.765 -1.337 -3,51% 6.538 21,63%

Tabungan Bisnis 809 756 1.036 1.520 2.599 3.486 3.397 3.824 338 9,70% 3.036 385,52%
Tabungan BSI
47.683 47.041 47.242 49.152 48.978 50.794 49.673 48.958 -1.836 -3,61% 2.165 4,63%
Mudharabah
Tabungan Haji 9.656 9.663 9.720 9.871 9.997 10.167 10.248 10.454 286 2,82% 770 7,95%

Lainnya 12.017 11.635 11.643 12.296 12.592 13.936 12.957 13.147 -789 -5,66% 1.624 14,09%

Total Tabungan 100.696 99.307 100.734 106.532 109.079 116.484 113.157 113.148 -3.337 -2,86% 14.132 14,27%

24
Dari 995.848 Nasabah Payroll BSI, baru 11% yang memiliki Tabungan Haji & 1% yang memiliki Deposito

25
Pertumbuhan Nominal Tabungan Bisnis - Region

Growth Growth (%)

NO NAMA_OUTLET
Dec-22 Jan-23 Feb-23 YtD MtM YtD MtM

1 RO I/ ACEH 855.493,84 836.763,99 845.310,26 (10.183,58) 8.546,27 -1,19% 1,02%

2 RO II/ MEDAN 172.238,89 177.963,88 203.367,53 31.128,64 25.403,66 18,07% 14,27%

3 RO III/ PALEMBANG 294.653,73 223.644,83 257.486,29 (37.167,44) 33.841,46 -12,61% 15,13%

4 RO IV/ JAKARTA 1 426.106,40 452.391,51 487.850,67 61.744,27 35.459,16 14,49% 7,84%

5 RO V/ JAKARTA 2 191.680,75 200.157,15 215.633,03 23.952,28 15.475,89 12,50% 7,73%

6 RO VI/ BANDUNG 237.469,07 245.157,72 248.319,32 10.850,25 3.161,60 4,57% 1,29%

7 RO VII/ SEMARANG 441.747,69 476.681,57 670.245,80 228.498,11 193.564,23 51,73% 40,61%

8 RO VIII/ SURABAYA 372.706,91 419.246,05 486.125,54 113.418,63 66.879,49 30,43% 15,95%

9 RO IX/ KALIMANTAN 333.184,22 192.155,36 225.532,98 (107.651,24) 33.377,62 -32,31% 17,37%

10 RO X/ MAKASSAR 160.567,14 172.951,23 184.207,50 23.640,36 11.256,28 14,72% 6,51%

TOTAL 3.485.848,65 3.397.113,27 3.824.078,92 338.230,27 426.965,65 9,70% 12,57%

26
Pertumbuhan Nominal Tabungan Bisnis - Area
Growth Growth (%)
NO NAMA_OUTLET
Dec-22 Jan-23 Feb-23 YtD MtM YtD MtM

1 AREA BANDA ACEH 282.959,87 265.039,08 270.464,15 (12.495,72) 5.425,07 -4,42% 2,05%
2 AREA MEULABOH 158.829,89 148.881,22 162.035,79 3.205,90 13.154,58 2,02% 8,84%
3 AREA LHOKSEUMAWE 413.704,08 422.843,69 412.810,32 (893,77) (10.033,38) -0,22% -2,37%
4 AREA MEDAN KOTA 42.368,70 47.994,78 51.311,76 8.943,06 3.316,99 21,11% 6,91%
5 AREA PEKANBARU 71.385,88 78.121,26 89.518,12 18.132,24 11.396,86 25,40% 14,59%
6 AREA PEMATANGSIANTAR 21.866,47 20.290,51 23.072,33 1.205,85 2.781,81 5,51% 13,71%
7 AREA BATAM 9.917,58 7.171,65 9.491,41 (426,18) 2.319,75 -4,30% 32,35%
8 AREA MEDAN RAYA 26.700,26 24.385,68 29.973,92 3.273,66 5.588,25 12,26% 22,92%
9 AREA PALEMBANG 62.661,48 44.342,70 65.701,26 3.039,78 21.358,56 4,85% 48,17%
10 AREA PADANG 60.414,77 57.531,58 57.884,50 (2.530,27) 352,92 -4,19% 0,61%
11 AREA JAMBI 49.920,45 39.028,88 48.123,95 (1.796,50) 9.095,07 -3,60% 23,30%
12 AREA BANDAR LAMPUNG 57.869,99 50.800,31 52.644,49 (5.225,49) 1.844,18 -9,03% 3,63%
13 AREA BENGKULU 63.787,04 31.941,35 33.132,08 (30.654,96) 1.190,73 -48,06% 3,73%
14 AREA BANTEN 150.783,11 158.130,67 180.971,84 30.188,73 22.841,17 20,02% 14,44%
15 AREA JAKARTA KELAPA GADING 39.506,73 46.081,34 61.260,68 21.753,95 15.179,34 55,06% 32,94%
16 AREA JAKARTA KEBON JERUK 47.911,10 47.815,98 32.608,57 (15.302,52) (15.207,41) -31,94% -31,80%
17 AREA JAKARTA THAMRIN 44.740,01 56.524,45 53.544,64 8.804,63 (2.979,80) 19,68% -5,27%
18 AREA BEKASI 66.193,84 79.935,54 84.052,08 17.858,24 4.116,54 26,98% 5,15%
19 AREA JAKARTA RAWAMANGUN 76.971,62 63.903,54 75.412,86 (1.558,77) 11.509,32 -2,03% 18,01%
20 AREA TANGERANG SELATAN 30.121,18 38.380,83 47.066,79 16.945,60 8.685,95 56,26% 22,63%
21 AREA JAKARTA FATMAWATI 22.625,21 33.695,95 24.785,77 2.160,56 (8.910,18) 9,55% -26,44%
22 AREA JAKARTA PONDOK INDAH 31.414,85 30.909,78 39.491,20 8.076,35 8.581,42 25,71% 27,76%
23 AREA BOGOR 43.067,18 40.079,49 38.933,96 (4.133,22) (1.145,52) -9,60% -2,86%

27
Pertumbuhan Nominal Tabungan Bisnis - Area
Growth Growth (%)
NO NAMA_OUTLET
Dec-22 Jan-23 Feb-23 YtD MtM YtD MtM

24 AREA JAKARTA SAHARJO 48.752,76 38.665,88 27.512,44 (21.240,32) (11.153,43) -43,57% -28,85%
25 AREA DEPOK 15.699,56 18.425,22 37.842,86 22.143,30 19.417,64 141,04% 105,39%
26 AREA BANDUNG KOTA 90.194,35 77.141,24 75.799,23 (14.395,13) (1.342,01) -15,96% -1,74%
27 AREA CIREBON 76.581,10 70.600,88 75.808,78 (772,32) 5.207,91 -1,01% 7,38%
28 AREA BANDUNG RAYA 70.693,62 97.415,61 96.711,31 26.017,69 (704,30) 36,80% -0,72%
29 AREA PEKALONGAN 43.599,27 50.780,05 131.741,10 88.141,83 80.961,05 202,16% 159,43%
30 AREA SOLO 61.718,43 67.588,11 91.260,99 29.542,56 23.672,88 47,87% 35,03%
31 AREA YOGYAKARTA 101.532,57 108.023,97 191.883,06 90.350,49 83.859,09 88,99% 77,63%
32 AREA SEMARANG KOTA 154.402,83 165.208,33 159.913,37 5.510,54 (5.294,96) 3,57% -3,21%
33 AREA PURWOKERTO 80.494,59 85.081,11 95.447,28 14.952,69 10.366,17 18,58% 12,18%
34 AREA SURABAYA KOTA 71.446,48 64.576,48 88.908,25 17.461,78 24.331,77 24,44% 37,68%
35 AREA SURABAYA RAYA 125.428,40 126.616,37 147.743,54 22.315,14 21.127,17 17,79% 16,69%
36 AREA MALANG 26.591,08 40.403,09 49.482,23 22.891,15 9.079,14 86,09% 22,47%
37 AREA DENPASAR 22.444,82 41.367,43 28.122,78 5.677,96 (13.244,66) 25,30% -32,02%
38 AREA KEDIRI 67.401,94 84.072,09 99.831,99 32.430,05 15.759,90 48,11% 18,75%
39 AREA JEMBER 59.394,20 62.210,59 72.036,75 12.642,55 9.826,16 21,29% 15,79%
40 AREA BANJARMASIN 227.263,19 91.217,20 97.754,43 (129.508,75) 6.537,23 -56,99% 7,17%
41 AREA BALIKPAPAN 54.888,27 59.921,87 74.530,99 19.642,72 14.609,12 35,79% 24,38%
42 AREA PONTIANAK 51.032,76 41.016,28 53.247,56 2.214,80 12.231,28 4,34% 29,82%
43 AREA MAKASSAR 81.606,31 98.925,36 111.165,74 29.559,44 12.240,39 36,22% 12,37%
44 AREA PALU 51.495,08 50.260,46 50.065,56 (1.429,51) (194,89) -2,78% -0,39%
45 AREA MANADO 27.465,75 23.765,41 22.976,19 (4.489,56) (789,22) -16,35% -3,32%
TOTAL 3.485.848,65 3.397.113,27 3.824.078,92 338.230,27 426.965,65 9,70% 12,57%

28
Fokus 3: Profitabilitas
Profitabilitas Jaringan – Februari 2023
CM, ROA, CIR dan PHR masih belum merata

CM Jumlah Kontribusi
No REGION OFFICE Asset PPOP CM ROA (%) CIR (%) CM/ Outlet PHR
Annualized KC/KCP CM (%)

1 REGION OFFICE X - MAKASSAR 12.786.675 128.012 108.550 5,12% 29,66% 651.297 9.046 72 9,91% 2,53
2 REGION OFFICE IX - KALIMANTAN 13.876.067 123.125 104.669 4,49% 28,53% 628.012 8.845 71 9,56% 2,54
3 REGION OFFICE IV - JAKARTA 1 52.989.124 245.097 177.498 2,02% 27,05% 1.064.989 8.386 127 16,20% 2,78
4 REGION OFFICE V - JAKARTA 2 35.290.654 173.486 123.261 2,11% 29,73% 739.564 6.785 109 11,25% 2,84
5 REGION OFFICE II - MEDAN 16.498.428 133.427 104.446 3,78% 30,82% 626.674 6.528 96 9,53% 2,57
6 REGION OFFICE III - PALEMBANG 17.572.840 146.541 108.730 3,74% 33,02% 652.382 5.877 111 9,93% 2,55
7 REGION OFFICE VIII - SURABAYA 22.392.251 170.134 124.974 3,36% 37,24% 749.842 4.807 156 11,41% 2,57
8 REGION OFFICE VII - SEMARANG 20.188.132 116.043 80.381 2,40% 35,32% 482.288 4.345 111 7,34% 2,36
9 REGION OFFICE VI - BANDUNG 14.537.498 106.882 63.091 2,62% 36,09% 378.546 4.027 94 5,76% 2,62
10 REGION OFFICE I - ACEH 17.593.886 170.920 99.806 3,41% 35,43% 598.838 3.889 154 9,11% 2,31

Total 223.725.553 1.513.667 1.095.405 32,17% 6.572.432 5.970 1.101 2,54

30
Profitabilitas Jaringan – Februari 2023
CM Jumlah Kontribusi
No AREA OFFICE Asset PPOP CM ROA (%) CIR (%) CM/ Outlet PHR
Annualized KC/KCP CM (%)
1 AREA PALU 4.441.641 44.050 45.354 6,16% 26,00% 272.123 14.322 19 4,01% 2,33
2 AREA JAKARTA THAMRIN 20.324.578 69.143 49.703 1,47% 20,48% 298.220 13.555 22 4,39% 3,42
3 AREA PONTIANAK 5.223.064 39.404 39.688 4,56% 25,35% 238.125 13.229 18 3,50% 2,11
4 AREA SURABAYA KOTA 5.782.073 33.691 49.037 5,20% 35,02% 294.222 9.807 30 4,33% 2,78
5 AREA BEKASI 6.600.540 43.081 31.847 2,91% 26,76% 191.081 9.554 20 2,81% 2,73
6 AREA TANGERANG SELATAN 4.474.901 25.811 20.471 2,70% 28,77% 122.828 8.773 14 1,81% 2,62
7 AREA PEKANBARU 7.035.149 50.525 43.549 3,71% 26,36% 261.292 8.429 31 3,85% 2,84
8 AREA MAKASSAR 5.260.668 56.731 46.108 5,29% 28,54% 276.648 8.137 34 4,07% 2,61
9 AREA JAKARTA KEBON JERUK 5.818.561 32.428 26.664 2,71% 25,91% 159.983 7.999 20 2,35% 3,14
10 AREA BANJARMASIN 5.293.024 44.294 37.154 4,20% 27,14% 222.926 7.962 28 3,28% 2,73
11 AREA JAKARTA RAWAMANGUN 7.660.036 38.508 28.582 2,25% 26,38% 171.495 7.795 22 2,52% 2,99
12 AREA JAKARTA FATMAWATI 7.582.830 31.586 24.461 1,97% 26,58% 146.765 7.724 19 2,16% 3,00
13 AREA JAKARTA SAHARJO 4.844.450 20.301 19.226 2,48% 30,59% 115.354 7.690 15 1,70% 2,94
14 AREA MEDAN KOTA 3.593.677 26.689 21.754 3,61% 29,17% 130.523 7.678 17 1,92% 2,67
15 AREA BANTEN 7.423.030 41.166 30.038 2,45% 28,10% 180.228 7.510 24 2,65% 2,36
16 AREA PEMATANGSIANTAR 2.550.018 25.167 18.699 4,42% 27,45% 112.192 7.479 15 1,65% 2,20
17 AREA BALIKPAPAN 5.812.392 42.253 30.653 3,13% 28,00% 183.919 7.357 25 2,71% 2,53
18 AREA BOGOR 6.413.912 39.346 26.049 2,43% 28,19% 156.293 7.104 22 2,30% 2,84
19 AREA DEPOK 6.552.588 36.522 23.063 2,12% 26,01% 138.377 6.919 20 2,04% 2,78
20 AREA JAMBI 3.231.877 26.986 18.827 3,52% 29,17% 112.960 6.645 17 1,66% 3,00
21 AREA MANADO 3.084.365 30.216 20.072 3,93% 29,88% 120.434 6.339 19 1,77% 2,59
22 AREA BANDUNG KOTA 7.401.694 44.019 37.742 3,09% 31,96% 226.453 6.290 36 3,33% 2,65
23 AREA PADANG 3.648.393 32.999 27.383 4,49% 32,01% 164.300 6.085 27 2,42% 2,73

31
Profitabilitas Jaringan – Februari 2023

CM Jumlah Kontribusi
No AREA OFFICE Asset PPOP CM ROA (%) CIR (%) CM/ Outlet PHR
Annualized KC/KCP CM (%)
24 AREA BANDAR LAMPUNG 3.054.984 27.371 22.164 4,39% 32,90% 132.985 6.045 22 1,96% 2,20
25 AREA PALEMBANG 5.015.427 41.696 31.297 3,78% 31,10% 187.784 5.868 32 2,76% 2,62
26 AREA BENGKULU 2.681.617 20.239 11.810 2,66% 34,34% 70.860 5.451 13 1,04% 2,33
27 AREA DENPASAR 5.516.647 39.306 21.239 2,32% 36,32% 127.436 5.310 24 1,88% 2,67
28 AREA MEDAN RAYA 2.055.832 15.863 13.067 3,83% 33,19% 78.403 5.227 15 1,15% 2,57
29 AREA YOGYAKARTA 5.908.827 32.495 24.327 2,50% 29,95% 145.961 5.213 28 2,15% 2,56
30 AREA MEULABOH 5.036.778 49.083 33.604 4,01% 29,52% 201.622 5.170 39 2,97% 2,26
31 AREA SEMARANG KOTA 4.996.740 31.581 22.895 2,73% 33,97% 137.373 5.088 27 2,02% 2,42
32 AREA JAKARTA KELAPA GADING 5.162.378 25.244 15.136 1,82% 31,06% 90.817 4.780 19 1,34% 3,11
33 AREA SURABAYA RAYA 4.984.550 34.336 24.240 2,93% 32,47% 145.438 4.692 31 2,14% 2,46
34 AREA SOLO 4.124.404 23.686 17.138 2,50% 32,76% 102.830 4.471 23 1,51% 2,00
35 AREA JAKARTA PONDOK INDAH 5.421.973 23.558 13.629 1,50% 31,13% 81.777 4.304 19 1,20% 2,98
36 AREA PURWOKERTO 2.335.594 16.359 10.233 2,63% 36,43% 61.399 4.093 15 0,90% 2,73
37 AREA LHOKSEUMAWE 6.711.478 67.943 43.524 3,90% 35,49% 261.143 4.080 64 3,84% 2,19
38 AREA KEDIRI 3.287.676 25.094 15.325 2,78% 34,15% 91.949 3.678 25 1,35% 2,48
39 AREA BANDUNG RAYA 4.229.864 37.425 17.400 2,47% 33,73% 104.399 3.480 30 1,54% 2,48
40 AREA BATAM 1.939.697 17.984 10.178 3,13% 36,12% 61.066 3.393 18 0,90% 2,62
41 AREA BANDA ACEH 6.471.451 59.137 27.921 2,56% 34,10% 167.525 3.285 51 2,47% 2,54
42 AREA PEKALONGAN 2.822.566 15.687 9.551 2,03% 35,21% 57.309 3.184 18 0,84% 2,45
43 AREA JEMBER 2.305.215 19.105 10.036 2,64% 37,79% 60.213 2.867 21 0,89% 2,54
44 AREA CIREBON 3.234.283 29.124 11.635 2,16% 36,78% 69.809 2.493 28 1,03% 2,65
45 AREA MALANG 3.598.181 23.428 9.923 1,66% 38,07% 59.537 2.381 25 0,88% 2,52
230.949.627 1.550.657 1.132.396 30,50% 6.794.375 6.171 1.101

32
 New Game Changer

Mendorong Pertumbuhan DPK melalui

Pertumbuhan Customer Base (CIF) dan Peningkatan PHR

Pertumbuhan Customer Base (CIF) dan Peningkatan PHR

berdampak pada Peningkatan CM dan ROA

33
 Al-Harakah Barakah

Jazakumullah Khairan Katsiiran

PT Bank Syariah Indonesia Tbk
Maret 2023
Lampiran

37
38
Potensi APBN

125
Kementerian Negara/
Lembaga

40
Potensi APBN
APBN
Rp237T Rp306T
Pendidikan Pendidikan

Rp119T Rp60T
Kesehatan Kesehatan

Rp455T Rp 2.247 T Total APBN Rp 815 T Rp17T

Bantuan Sosial
73% Rp3.061T 27% Bantuan Sosial

Rp82T Rp23T
Ketahanan Pangan Ketahanan Pangan

Rp211T Rp95T
Infrastruktur Infrastruktur

Pusat Daerah

Rp317T Rp340T Rp2T

TNI-Polri & Energi Subsidi & Kompensasi
Tahapan Pemilu 41
https://setkab.go.id/pemerintah-jaga-defisit-apbn-2023-di-bawah-3-persen/
 Government Value Chain

Pembayaran
Bunga Utang

Belanja Belanja
Pegawai Barang

APBN

Bantuan
Subsidi
Sosial

Bank Penyalur Gaji Belanja

Modal

42
Strategi Penetrasi – Intensifikasi Tabungan Bisnis
Potensi Nasabah Mikro | SME | Prioritas

MBG SMG
Intensifikasi: Intensifikasi:
48.000 CIF, min. Pembiayaan 150 Juta 20.589 CIF,

Ekstensifikasi: Ekstensifikasi:
Food & Beverage (Inc. RM Padang) Vendor SBSN/ belanja modal dari
Fashion Muslim (min. omzet Rp3,0 Satker Vertikal 7 (Tujuh) Kementerian
juta/ hari) Faskes 1 (Klinik, Puskesmas)

RDP WMG

• Koperasi/ BMT • 12.000 CIF nasabah segmen

• Local Champion Pengusaha Muslim wirausaha (Growth Rp170 juta saldo
• Hiswana Migas tabungan/ nasabah)
• Vendor PLN
• Vendor Pertamina Group

43
Strategi Penetrasi – Intensifikasi Tabungan Bisnis
Potensi Nasabah Mikro | SME | Prioritas
RO Aceh
Realisasi
NoA Nominal
8.595 Rp 698 M
Potensi

Mikro SME Priority

2.430 CIF 1.587 CIF
20.718 CIF RO Banjarmasin
RO Medan Realisasi
NoA Nominal
Realisasi 1.445 Rp 181 M
NoA Nominal Potensi
2.419 Rp 152 M
SME Priority RO Makassar
Potensi Mikro
5.024 CIF 497 CIF 1.075 CIF
SME Priority Realisasi
Mikro
7.567 CIF 364 CIF 1.651 CIF NoA Nominal
1.778 Rp 145 M
Potensi
RO Jakarta II
RO Palembang Mikro SME Priority
Realisasi 5.524 CIF 558 CIF 679 CIF
Realisasi NoA Nominal
NoA Nominal 2.276 Rp 166 M
2.815 Rp 214 M Potensi
Potensi Mikro SME Priority
5.504 CIF 408 CIF 1.297 CIF
Mikro SME Priority RO Surabaya
16.128 CIF 1.000 CIF 1.322 CIF
Realisasi
RO Jakarta I Nominal
NoA
Realisasi 3.428 Rp 301 M
Potensi
NoA Nominal
4.191 Rp 333 M RO Bandung RO Semarang Mikro SME Priority
Potensi 18.584 CIF 1.473 CIF 1.345 CIF
Realisasi
SME Priority Realisasi
Mikro NoA Nominal
8.278 CIF 754 CIF 1. 610 CIF 2.236 Rp 184 M NoA Nominal
3.436 Rp 355 M
Potensi Ket:
Potensi *) Nasabah Mikro plafond >Rp 50jt
Mikro SME Priority
Priority Nasabah SME kolektibilitas lancer
9.770 CIF 710 CIF 924 CIF Mikro SME
1.126 CIF Nasabah priority profesi wirausaha
12.200 CIF 671 CIF
44
 BSI Stages

2021 2022 2023 2024

Cost to Income Product Holding
Cost of Fund Cost of Credit
Ratio Ratio
Boosting Low-Cost Sustained and Prudent
Funding Engine Financing Growth Cost Management & Increasing Product
Transformation Holding Ratio

Top 3 Industry Top 3 Industry Top 5 Industry Product Holding Ratio

2022 2023 2022 2023 2024
2020 2021 2022 2021 2022 2023
2,7% → 2,0% → 1,6% 2,4% → 2,0% → ~1,5% 2,5 → 3,5 → 5,0 45
51% → 45%
Volume Bisnis: DPK
 Perkembangan Cost of Fund
Terjadi penurunan Cost of Fund baik MtM dan YtD, kecuali Giro
CoF DPK CoF Tabungan
1,95%1,95% 0,58% 0,57%
1,91% 0,56% 0,56% 0,55% 0,55% 0,55% 0,55% 0,55% 0,55% 0,55%
1,86% 0,54%
1,80% 0,58%
1,86% 0,56% 0,55% 0,55%
1,68% 1,70% 0,54% 0,54% 0,55% 0,55% 0,55% 0,55% 0,54%
1,62%
1,59% 1,58% 1,57% 1,57% 1,59%
1,56% 1,56% 0,41%0,41%
1,68%
1,62% 0,41%
1,59% 1,57%
1,55% 1,56% 0,41% 0,40%
1,52% 1,51% 1,53% 1,52%

Jan 22 Mar 22 Apr 22 Mei 22 Jun 22 Jul 22 Aug-22 Sep-22 Okt-22 Nov-22 Des-22 Jan-23 Feb-23

YtD MtM
YtD MtM

CoF Giro CoF Deposito 3,75% 3,75%

3,64% 3,57%
1,94%
1,83% 3,33%
1,69%
1,88%
1,49% 1,83% 3,12% 3,39%
1,36% 3,02%
1,23% 1,26% 1,26%
1,17% 2,86% 2,87% 2,82% 2,81%
1,07% 1,06% 2,79% 2,79% 2,78% 2,78%
0,92% 1,02% 1,05% 3,02% 2,92%
1,02% 1,11% 1,13% 1,17%
1,22% 2,89%
2,80% 2,81% 2,86%
1,08% 1,03% 1,04% 1,06% 1,09% 2,77% 2,72% 2,73%
0,92% 0,88% 2,69% 2,67% 2,68%

YtD MtM YtD MtM

47
47
CoF Region dan Area Februari 2023
10 Area teratas
CoF Februari 2023 No AREA OFFICE CoF
1 Area Meulaboh 0,58%
No Regional CoF 2 Area Bengkulu 0,70%
3 Area Jambi 0,72%
1 RO I Aceh 0,80%
4 Area Palu 0,76%
2 RO X Makassar 0,84% 5 Area Banda Aceh 0,78%
6 Area Cirebon 0,80%
3 RO III Palembang 0,97% 7 Area Manado 0,85%
8 Area Bandar Lampung 0,87%
4 RO II Medan 1,09% 9 Area Bandung Raya 0,88%
10 Area Makassar 0,88%
5 RO VII Semarang 1,13%

6 RO VI Bandung 1,16%
10 Area terbawah
7 RO IX Kalimantan 1,18% No AREA OFFICE CoF

8 RO VIII Surabaya 1,18% 36 Area Pekalongan 1,57%

37 Area Depok 1,59%
9 RO V Jakarta 2 1,81% 38 Area Tangerang Selatan 1,69%
39 Area Jakarta Saharjo 1,77%
10 RO IV Jakarta 1 2,01% 40 Area Jakarta Pondok Indah 1,80%
41 Area Banten 1,92%
CoF Bankwide 1,91% 42 Area Jakarta Kebon Jeruk 2,15%
43 Area Jakarta Kelapa Gading 2,26%
44 Area Jakarta Thamrin 2,44%
45 Area Jakarta Fatmawati 2,56%
48
Pertumbuhan DPK Region Februari 2023
Pendanaan mengalami negative growth ytd Rp884 M (-0,41%). Hanya ada 3 (tiga) Region positive growth DPK: RO IV Jakarta
1, RO VIII Surabaya dan RO V Jakarta 2

Growth
% Share Growth
No Region Des-22 Feb-23 No Region Des-22 Feb-23 YtD No Region Des-22 Feb-23
Portfolio YtD (%)
(Nom)

1 RO IV/ JAKARTA 1 51.632 52.957 25% 1 RO IV/ JAKARTA 1 51.632 52.957 1.324 1 RO IV/ JAKARTA 1 51.632 52.957 2,57%

2 RO V/ JAKARTA 2 34.995 35.232 17% 2 RO VIII/ SURABAYA 21.920 22.177 257 2 RO VIII/ SURABAYA 21.920 22.177 1,17%

3 RO VIII/ SURABAYA 21.920 22.177 10% 3 RO V/ JAKARTA 2 34.995 35.232 237 3 RO V/ JAKARTA 2 34.995 35.232 0,68%

4 RO VII/ SEMARANG 19.992 19.943 9% 4 RO VII/ SEMARANG 19.992 19.943 - 49 4 RO VII/ SEMARANG 19.992 19.943 -0,25%

5 RO II/ MEDAN 16.770 16.357 8% 5 RO VI/ BANDUNG 14.564 14.460 - 104 5 RO VI/ BANDUNG 14.564 14.460 -0,72%

6 RO I/ ACEH 16.108 15.295 7% 6 RO IX/ KALIMANTAN 14.185 13.863 - 322 6 RO IX/ KALIMANTAN 14.185 13.863 -2,27%

7 RO VI/ BANDUNG 14.564 14.460 7% 7 RO X/ MAKASSAR 8.681 8.314 - 367 7 RO II/ MEDAN 16.770 16.357 -2,46%

8 RO III/ PALEMBANG 14.971 14.337 7% 8 RO II/ MEDAN 16.770 16.357 - 413 8 RO X/ MAKASSAR 8.681 8.314 -4,23%

9 RO IX/ KALIMANTAN 14.185 13.863 7% 9 RO III/ PALEMBANG 14.971 14.337 - 634 9 RO III/ PALEMBANG 14.971 14.337 -4,23%

10 RO X/ MAKASSAR 8.681 8.314 4% 10 RO I/ ACEH 16.108 15.295 - 813 10 RO I/ ACEH 16.108 15.295 -5,05%

Total RO 213.819 212.935 100% Total RO 213.819 212.935 - 884 Total RO 213.819 212.935 -0,41%

PT Bank Syariah Indonesia Tbk / 49

Pertumbuhan Tabungan Region Februari 2023
Tabungan mengalami negative growth ytd Rp3,2 T (-2,75%). Hanya ada 1 (satu) Region positive growth tabungan: RO IV Jakarta 1

Growth
% Share Growth
No Region Des-22 Feb-23 No Region Des-22 Feb-23 YtD No Region Des-22 Feb-23
Portfolio YtD (%)
(Nom)

1 RO IV/ JAKARTA 1 17.436 17.497 15% 1 RO IV/ JAKARTA 1 17.436 17.497 61 1 RO IV/ JAKARTA 1 17.436 17.497 0,35%

2 RO V/ JAKARTA 2 14.692 14.548 13% 2 RO V/ JAKARTA 2 14.692 14.548 -144 2 RO V/ JAKARTA 2 14.692 14.548 -0,98%

3 RO VIII/ SURABAYA 14.010 13.719 12% 3 RO VI/ BANDUNG 8.743 8.550 -192 3 RO VII/ SEMARANG 13.452 13.228 -1,67%

4 RO VII/ SEMARANG 13.452 13.228 12% 4 RO X/ MAKASSAR 6.216 5.997 -219 4 RO VIII/ SURABAYA 14.010 13.719 -2,07%

5 RO I/ ACEH 12.020 11.133 10% 5 RO VII/ SEMARANG 13.452 13.228 -225 5 RO VI/ BANDUNG 8.743 8.550 -2,20%

6 RO II/ MEDAN 10.350 9.893 9% 6 RO VIII/ SURABAYA 14.010 13.719 -291 6 RO X/ MAKASSAR 6.216 5.997 -3,52%

7 RO III/ PALEMBANG 10.044 9.602 9% 7 RO IX/ KALIMANTAN 9.202 8.800 -403 7 RO IX/ KALIMANTAN 9.202 8.800 -4,38%

8 RO IX/ KALIMANTAN 9.202 8.800 8% 8 RO III/ PALEMBANG 10.044 9.602 -442 8 RO III/ PALEMBANG 10.044 9.602 -4,40%

9 RO VI/ BANDUNG 8.743 8.550 8% 9 RO II/ MEDAN 10.350 9.893 -458 9 RO II/ MEDAN 10.350 9.893 -4,42%

10 RO X/ MAKASSAR 6.216 5.997 5% 10 RO I/ ACEH 12.020 11.133 -887 10 RO I/ ACEH 12.020 11.133 -7,38%

Total RO 116.165 112.966 100% Total RO 116.165 112.966 -3.199 Total RO 116.165 112.966 -2,75%

PT Bank Syariah Indonesia Tbk / 50

Pertumbuhan CASA Region Februari 2023
CASA mengalami negative growth ytd Rp3,18 T (-2,23%). Hanya ada 1 (satu) Region yang positive growth CASA RO IV/
Jakarta 1

Growth
% Share Growth
No Region Des-22 Feb-23 No Region Des-22 Feb-23 YtD No Region Des-22 Feb-23
Portofolio YtD (%)
(Nom)

1 RO IV/ JAKARTA 1 28.167 28.682 21% 1 RO IV/ JAKARTA 1 28.167 28.682 515 1 RO IV/ JAKARTA 1 28.167 28.682 1,83%

2 RO V/ JAKARTA 2 19.166 18.737 13% 2 RO VIII/ SURABAYA 15.879 15.796 -84 2 RO VIII/ SURABAYA 15.879 15.796 -0,53%

3 RO VIII/ SURABAYA 15.879 15.796 11% 3 RO VII/ SEMARANG 14.734 14.513 -221 3 RO VII/ SEMARANG 14.734 14.513 -1,50%

4 RO VII/ SEMARANG 14.734 14.513 10% 4 RO VI/ BANDUNG 10.402 10.169 -233 4 RO II/ MEDAN 11.902 11.654 -2,08%

5 RO I/ ACEH 13.646 12.735 9% 5 RO II/ MEDAN 11.902 11.654 -248 5 RO VI/ BANDUNG 10.402 10.169 -2,24%

6 RO II/ MEDAN 11.902 11.654 8% 6 RO V/ JAKARTA 2 19.166 18.737 -429 6 RO V/ JAKARTA 2 19.166 18.737 -2,24%

7 RO III/ PALEMBANG 11.391 10.816 8% 7 RO X/ MAKASSAR 7.080 6.649 -431 7 RO III/ PALEMBANG 11.391 10.816 -5,05%

8 RO VI/ BANDUNG 10.402 10.169 7% 8 RO IX/ KALIMANTAN 10.390 9.828 -562 8 RO IX/ KALIMANTAN 10.390 9.828 -5,41%

9 RO IX/ KALIMANTAN 10.390 9.828 7% 9 RO III/ PALEMBANG 11.391 10.816 -576 9 RO X/ MAKASSAR 7.080 6.649 -6,09%

10 RO X/ MAKASSAR 7.080 6.649 5% 10 RO I/ ACEH 13.646 12.735 -911 10 RO I/ ACEH 13.646 12.735 -6,68%

Total RO 142.757 139.578 100% Total RO 142.757 139.578 -3.179 Total RO 142.757 139.578 -2,23%

PT Bank Syariah Indonesia Tbk / 51

 Pertumbuhan Giro, Deposito, CASA per Region Februari 2023

Giro (Rp M) Deposito (Rp M) CASA (Rp M)

Growth Growth Rasio

Growth Growth Growth Growth
No Region Des-22 Feb-23 No Region Des-22 Feb-23 YtD No Region Des-22 Feb-23 YtD CASA
YtD (Nom) YtD (%) YtD (%) YtD (%)
(Nom) (Nom) (%)

1 RO IV/ JAKARTA 1 10.731 11.185 454 4,23% 1 RO IV/ JAKARTA 1 23.465 24.275 809 3,45% 1 RO IV/ JAKARTA 1 28.167 28.682 515 1,83% 54,16%

2 RO II/ MEDAN 1.551 1.761 210 13,53% 2 RO V/ JAKARTA 2 15.829 16.495 666 4,21% 2 RO VIII/ SURABAYA 15.879 15.796 -84 -0,53% 71,22%

3 RO VIII/ SURABAYA 1.870 2.077 207 11,07% 3 RO VIII/ SURABAYA 6.041 6.382 341 5,64% 3 RO VII/ SEMARANG 14.734 14.513 -221 -1,50% 72,77%

4 RO VII/ SEMARANG 1.282 1.285 3 0,26% 4 RO IX/ KALIMANTAN 3.795 4.035 240 6,33% 4 RO VI/ BANDUNG 10.402 10.169 -233 -2,24% 70,33%

5 RO I/ ACEH 1.626 1.602 - 24 -1,49% 5 RO VII/ SEMARANG 5.258 5.430 172 3,28% 5 RO II/ MEDAN 11.902 11.654 -248 -2,08% 71,25%

6 RO VI/ BANDUNG 1.659 1.619 - 40 -2,43% 6 RO VI/ BANDUNG 4.162 4.291 128 3,08% 6 RO V/ JAKARTA 2 19.166 18.737 -429 -2,24% 53,18%

7 RO III/ PALEMBANG 1.347 1.213 - 133 -9,91% 7 RO I/ ACEH 2.462 2.560 98 3,98% 7 RO X/ MAKASSAR 6.649 -431 -6,09% 79,98%
7.080

8 RO IX/ KALIMANTAN 1.188 1.028 - 160 -13,43% 8 RO X/ MAKASSAR 1.601 1.665 64 3,99% 8 RO IX/ KALIMANTAN 10.390 9.828 -562 -5,41% 70,89%

9 RO X/ MAKASSAR 864 652 - 212 -24,56% 9 RO III/ PALEMBANG 3.580 3.522 - 58 -1,63% 9 RO III/ PALEMBANG 11.391 10.816 -576 -5,05% 75,44%

10 RO V/ JAKARTA 2 4.473 4.189 - 285 -6,37% 10 RO II/ MEDAN 4.868 4.703 - 165 -3,39% 10 RO I/ ACEH 13.646 12.735 -911 -6,68% 83,26%

Total RO 26.592 26.612 20 0,07% Total RO 71.061 73.357 2.295 3,23% Total RO 142.757 139.578 -3.179 -2,23% 65,55%

PT Bank Syariah Indonesia Tbk / 52

Pertumbuhan Bulanan DPK Region

53
Pertumbuhan DPK Bulanan (MtM)
Pertumbuhan DPK bulanan di masing-masing Region masih belum merata Rp Miliar

No Regional Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Dec-22 Jan-23 Feb-23

1 RO I/ ACEH -468 -82 15 714 16 308 -107 -73 69 -100 354 878 -606 -207
2 RO II/ MEDAN 99 -114 634 -131 133 80 -5 119 284 227 256 521 -232 -181
3 RO III/ PALEMBANG -121 133 218 220 -61 380 263 -105 191 92 165 379 -247 -387
4 RO IV/ JAKARTA 1 1.289 602 -299 -14 4.026 -36 824 1.090 -1.458 571 -28 240 838 487
5 RO V/ JAKARTA 2 290 49 317 277 334 629 318 53 197 42 638 1.695 -179 416
6 RO VI/ BANDUNG -156 -58 287 354 61 274 84 598 8 -46 -96 1.101 -265 161
7 RO VII/ SEMARANG -94 132 -237 -298 303 203 155 20 259 41 209 1.361 -188 139
8 RO VIII/ SURABAYA -446 96 4 183 55 355 272 142 233 44 76 538 76 181
9 RO IX/ KALIMANTAN 223 -84 265 357 46 210 189 -35 495 -184 211 332 -112 -210
10 RO X/ MAKASSAR -100 50 104 113 17 220 -2 104 -2 325 143 378 -339 -28
Total RO 516 723 1.308 1.776 4.930 2.623 1.992 1.913 277 1.011 1.928 7.423 -1.254 370

No Regional Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Des-22 Jan-23 Feb-23

1 RO I/ ACEH 14.584 14.116 14.033 14.048 14.763 14.779 15.087 14.980 14.907 14.976 14.876 15.230 16.108 15.501 15.295
2 RO II/ MEDAN 14.667 14.766 14.651 15.286 15.154 15.287 15.367 15.362 15.481 15.766 15.993 16.249 16.770 16.538 16.357
3 RO III/ PALEMBANG 13.216 13.095 13.228 13.447 13.667 13.606 13.986 14.249 14.144 14.336 14.428 14.593 14.971 14.725 14.337
4 RO IV/ JAKARTA 1 44.823 46.112 46.715 46.416 46.402 50.428 50.392 51.216 52.307 50.848 51.420 51.392 51.632 52.470 52.957
5 RO V/ JAKARTA 2 30.156 30.446 30.495 30.813 31.089 31.423 32.053 32.371 32.424 32.620 32.662 33.300 34.995 34.816 35.232
6 RO VI/ BANDUNG 12.153 11.998 11.939 12.226 12.580 12.641 12.916 13.000 13.597 13.606 13.560 13.463 14.564 14.299 14.460
7 RO VII/ SEMARANG 17.938 17.843 17.975 17.738 17.440 17.744 17.946 18.102 18.122 18.381 18.422 18.631 19.992 19.804 19.943
8 RO VIII/ SURABAYA 20.369 19.923 20.019 20.023 20.206 20.261 20.616 20.888 21.030 21.263 21.307 21.382 21.920 21.997 22.177
9 RO IX/ KALIMANTAN 12.161 12.384 12.299 12.564 12.922 12.967 13.177 13.366 13.331 13.826 13.642 13.853 14.185 14.073 13.863
10 RO X/ MAKASSAR 7.331 7.231 7.281 7.385 7.498 7.515 7.735 7.733 7.837 7.835 8.160 8.303 8.681 8.342 8.314
Total RO 187.398 187.914 188.637 189.945 191.721 196.651 199.274 201.266 203.179 203.457 204.468 206.396 213.819 212.565 212.935
54
Pertumbuhan Giro Bulanan (MtM)
Pertumbuhan Giro bulanan di masing-masing Region masih belum merata
Rp Miliar

No Regional Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Des-22 Jan-23 Feb-23

1 RO I/ ACEH -64 12 -128 -5 31 165 -75 -29 18 7 103 16 -95 71

2 RO II/ MEDAN 147 -86 491 -521 138 15 -145 265 121 -21 121 -223 318 -108
3 RO III/ PALEMBANG -49 97 149 -183 -67 204 12 -10 91 30 17 -259 4 -137
4 RO IV/ JAKARTA 1 -58 894 -539 -178 1.257 1.282 1.025 546 -1.566 -602 -428 -1.015 235 219
5 RO V/ JAKARTA 2 -136 -24 -140 -32 77 166 385 -110 -259 692 -386 275 -187 -98
6 RO VI/ BANDUNG -114 -34 -34 61 -33 43 -7 627 -90 -43 -93 146 -22 -19
7 RO VII/ SEMARANG -119 54 -78 -142 84 -28 86 3 74 -83 -49 -124 146 -142
8 RO VIII/ SURABAYA -181 41 -186 57 -13 189 42 83 -8 -166 -18 2 89 118
9 RO IX/ KALIMANTAN 20 -67 69 -45 143 52 64 -171 208 -93 -13 -13 7 -166
10 RO X/ MAKASSAR 46 118 89 5 36 39 -58 124 -60 32 -33 -50 -227 15
Total RO -508 1.005 -307 -982 1.654 2.127 1.330 1.329 -1.473 -247 -779 -1.246 267 -247

No Regional Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Des-22 Jan-23 Feb-23

1 RO I/ ACEH 1.575 1.511 1.523 1.395 1.390 1.422 1.587 1.512 1.483 1.500 1.507 1.610 1.626 1.531 1.602

2 RO II/ MEDAN 1.251 1.398 1.312 1.803 1.282 1.420 1.435 1.290 1.555 1.675 1.654 1.775 1.551 1.869 1.761

3 RO III/ PALEMBANG 1.315 1.266 1.363 1.512 1.328 1.262 1.466 1.477 1.468 1.559 1.589 1.606 1.347 1.350 1.213

4 RO IV/ JAKARTA 1 10.112 10.054 10.948 10.409 10.232 11.488 12.770 13.795 14.342 12.775 12.173 11.746 10.731 10.966 11.185

5 RO V/ JAKARTA 2 3.965 3.829 3.805 3.665 3.633 3.710 3.876 4.261 4.151 3.893 4.584 4.198 4.473 4.286 4.189

6 RO VI/ BANDUNG 1.231 1.117 1.082 1.049 1.109 1.077 1.120 1.113 1.740 1.650 1.607 1.514 1.659 1.638 1.619

7 RO VII/ SEMARANG 1.605 1.486 1.540 1.461 1.319 1.403 1.375 1.461 1.464 1.538 1.456 1.406 1.282 1.428 1.285

8 RO VIII/ SURABAYA 2.026 1.845 1.886 1.701 1.758 1.746 1.934 1.976 2.059 2.051 1.886 1.868 1.870 1.959 2.077

9 RO IX/ KALIMANTAN 1.032 1.053 986 1.055 1.010 1.153 1.205 1.270 1.099 1.307 1.213 1.201 1.188 1.195 1.028

10 RO X/ MAKASSAR 576 623 741 830 835 871 910 852 976 916 947 914 864 637 652

Total RO 24.689 24.181 25.186 24.879 23.897 25.551 27.678 29.007 30.337 28.864 28.617 27.838 26.592 26.859 26.612 55
Pertumbuhan Tabungan Bulanan (MtM)
Pertumbuhan Tabungan bulanan di masing-masing Region masih belum merata Rp Miliar

No Regional Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Dec-22 Jan-23 Feb-23

1 RO I/ ACEH -507 -112 115 708 -37 124 -53 -24 -14 12 215 688 -545 -341
2 RO II/ MEDAN -137 -84 166 397 46 114 138 -8 30 174 89 532 -367 -91
3 RO III/ PALEMBANG -162 -24 63 497 23 158 210 -19 116 30 175 458 -393 -49
4 RO IV/ JAKARTA 1 104 153 334 637 27 112 173 26 -95 115 52 180 -22 83
5 RO V/ JAKARTA 2 -134 73 272 522 -6 384 83 -11 141 -5 -47 522 -238 93
6 RO VI/ BANDUNG -87 -57 184 144 94 214 81 -16 58 34 106 859 -197 5
7 RO VII/ SEMARANG -46 -143 51 -50 309 129 189 55 178 54 212 888 -428 204
8 RO VIII/ SURABAYA -289 -30 203 143 80 315 181 160 246 108 130 533 -346 56
9 RO IX/ KALIMANTAN -36 0 180 292 16 204 136 46 153 -93 175 651 -416 14
10 RO X/ MAKASSAR -69 -54 28 104 -21 196 62 5 59 123 121 437 -235 16
Total RO -1.363 -278 1.596 3.394 531 1.950 1.199 212 872 551 1.228 5.747 -3.187 -12

No Regional Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Des-22 Jan-23 Feb-23

1 RO I/ ACEH 10.905 10.398 10.286 10.401 11.110 11.072 11.196 11.143 11.119 11.105 11.117 11.332 12.020 11.475 11.133

2 RO II/ MEDAN 8.893 8.756 8.673 8.839 9.236 9.281 9.395 9.534 9.526 9.556 9.730 9.819 10.350 9.984 9.893

3 RO III/ PALEMBANG 8.520 8.358 8.334 8.397 8.894 8.917 9.075 9.285 9.266 9.382 9.412 9.587 10.044 9.651 9.602

4 RO IV/ JAKARTA 1 15.619 15.723 15.876 16.210 16.846 16.874 16.986 17.159 17.184 17.089 17.204 17.256 17.436 17.414 17.497

5 RO V/ JAKARTA 2 12.899 12.765 12.838 13.110 13.632 13.626 14.010 14.093 14.082 14.223 14.217 14.170 14.692 14.455 14.548

6 RO VI/ BANDUNG 7.130 7.043 6.986 7.170 7.314 7.409 7.622 7.703 7.687 7.744 7.778 7.884 8.743 8.546 8.550

7 RO VII/ SEMARANG 11.626 11.580 11.437 11.488 11.438 11.746 11.875 12.064 12.119 12.297 12.351 12.564 13.452 13.024 13.228

8 RO VIII/ SURABAYA 12.232 11.942 11.912 12.115 12.258 12.338 12.653 12.834 12.993 13.239 13.347 13.477 14.010 13.663 13.719

9 RO IX/ KALIMANTAN 7.479 7.443 7.444 7.623 7.915 7.931 8.135 8.271 8.316 8.469 8.376 8.551 9.202 8.786 8.800

10 RO X/ MAKASSAR 5.225 5.155 5.101 5.129 5.233 5.212 5.408 5.470 5.476 5.535 5.658 5.779 6.216 5.981 5.997

Total RO 100.528 99.165 98.886 100.482 103.876 104.407 106.356 107.555 107.767 108.639 109.190 110.418 116.165 112.978 112.966
56
Pertumbuhan Deposito Bulanan (MtM)
Pertumbuhan Deposito bulanan di masing-masing Region masih belum merata Rp Miliar

No Regional Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Dec-22 Jan-23 Feb-23

1 RO I/ ACEH 103 18 28 11 22 19 21 -20 66 -119 36 174 34 64

2 RO II/ MEDAN 89 56 -23 -7 -51 -49 2 -138 133 74 47 213 -182 17
3 RO III/ PALEMBANG 90 61 6 -94 -17 18 42 -76 -16 32 -27 180 143 -201
4 RO IV/ JAKARTA 1 1.243 -445 -94 -473 2.742 -1.431 -374 519 203 1.058 348 1.075 624 185
5 RO V/ JAKARTA 2 560 0 186 -213 262 80 -151 174 315 -645 1.071 897 245 420
6 RO VI/ BANDUNG 46 33 137 149 -1 17 11 -13 41 -37 -109 96 -47 175
7 RO VII/ SEMARANG 70 221 -209 -105 -90 103 -120 -37 6 70 45 597 95 78
8 RO VIII/ SURABAYA 24 84 -13 -17 -13 -148 49 -100 -5 102 -36 3 334 7
9 RO IX/ KALIMANTAN 238 -17 16 110 -113 -46 -11 90 135 2 49 -306 298 -58
10 RO X/ MAKASSAR -77 -13 -14 3 2 -15 -6 -26 -1 171 55 -9 123 -59
Total RO 2.387 -3 20 -636 2.745 -1.453 -537 372 878 707 1.480 2.921 1.666 629

No Regional Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Okt-22 Nov-22 Des-22 Jan-23 Feb-23

1 RO I/ ACEH 2.103 2.206 2.224 2.252 2.263 2.285 2.304 2.325 2.305 2.371 2.251 2.288 2.462 2.496 2.560

2 RO II/ MEDAN 4.523 4.611 4.667 4.644 4.637 4.586 4.536 4.539 4.401 4.535 4.609 4.655 4.868 4.686 4.703

3 RO III/ PALEMBANG 3.381 3.471 3.532 3.538 3.444 3.427 3.445 3.487 3.410 3.395 3.427 3.400 3.580 3.723 3.522

4 RO IV/ JAKARTA 1 19.093 20.336 19.891 19.797 19.324 22.067 20.636 20.262 20.781 20.984 22.042 22.390 23.465 24.089 24.275

5 RO V/ JAKARTA 2 13.292 13.853 13.852 14.038 13.825 14.087 14.167 14.016 14.190 14.505 13.861 14.932 15.829 16.075 16.495

6 RO VI/ BANDUNG 3.792 3.837 3.871 4.007 4.157 4.156 4.173 4.184 4.171 4.212 4.175 4.066 4.162 4.116 4.291

7 RO VII/ SEMARANG 4.707 4.777 4.998 4.789 4.684 4.594 4.697 4.577 4.540 4.546 4.616 4.661 5.258 5.352 5.430

8 RO VIII/ SURABAYA 6.112 6.136 6.220 6.207 6.190 6.177 6.029 6.078 5.977 5.972 6.074 6.038 6.041 6.375 6.382

9 RO IX/ KALIMANTAN 3.649 3.888 3.870 3.886 3.996 3.883 3.837 3.826 3.915 4.050 4.052 4.101 3.795 4.093 4.035

10 RO X/ MAKASSAR 1.530 1.453 1.440 1.426 1.429 1.432 1.417 1.411 1.385 1.384 1.555 1.610 1.601 1.724 1.665

Total RO 62.181 64.568 64.565 64.585 63.949 66.694 65.240 64.703 65.076 65.954 66.661 68.141 71.061 72.728 73.357
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