bab 2 = 5-10

ii

PENJELASAN

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

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

lain.

2. Data Kredit

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

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

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

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

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

kredit (kecuali data penerusan kredit off balancesheet ).

3. Data Non Performing

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

memperhitungkan penyisihan yang dibentuk untuk mengantisipasi risiko kerugian.

Data Non Performing ditampilkan dalam nominal dan persentase.

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

dan NPL.

4. Lokasi penyaluran kredit

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

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

lokasi penyaluran.

5. Data Surat Berharga dalam pos penyaluran dana

Data surat berharga yang ditampilkan merupakan surat berharga yang diterbitkan oleh pihak ketiga

bukan bank. Data yang ditampilkan tidak memperhitungkan obligasi dalam rangka program

rekapitalisasi yang diterbitkan oleh Pemerintah.

Data yang terkait dengan penjelasan tersebut ditujukan untuk data dalam tabel kegiatan usaha.

6. Perkiraan Tambahan Modal Disetor

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

keuangan kantor cabang di luar negeri.

iii

7. Proses Download Data

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

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

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

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

dihimbau untuk memperhatikan waktu download data.

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

2004 dilakukan pada tanggal 3 Desember 2004.

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

termasuk PT ING Indonesia Bank yang dicabut izin usahanya oleh Bank Indonesia pada tanggal 6

Oktober 2004 karena self liquidation).

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

(www.bi.go.id).

10. Untuk bulan laporan Oktober 2004 PT. Bank Credit Lyonnais Indonesia sebagaimana telah berubah

nama menjadi PT. Bank Capital Indonesia sesuai Keputusan Gubernur Bank Indonesia No. 6/79/

KEP.GBI/2004 tanggal 19 Oktober 2004 karena adanya otomasi system masuk ke kelompok BUSN

Devisa, namun untuk Edisi mendatang akan kembali ke kelompok Bank Campuran.

11. Pada buku DPI Edisi Oktober 2004 kembali ditampilkan Tabel Kredit Berdasarkan Lokasi Penyaluran,

adanya perbedaan angka dengan Tabel yang sama pada Edisi Maret 2004 disebabkan karena adanya

koreksi data dari pemrosesan ulang.

iv

DAFTAR SINGKATAN

APYD Aktiva Produktif Yang Diklasifikasikan

ATMR Aktiva Tertimbang Menurut Risiko

BOPO Biaya Operasional terhadap Pendapatan Operasional

BPD Bank Pembangunan Daerah

CAR Capital Adequacy Ratio

DPK Dana Pihak Ketiga

KAP Kualitas Aktiva Produktif

KBAB Kewajiban Bersih Antar Bank

KP Kantor Pusat

KC Kantor Cabang

KCP Kantor Cabang Pembantu

KK Kantor Kas

KPW Kantor Perwakilan

LBU Laporan Bulanan Bank Umum

LDR Loan to Deposit Ratio

NIM Net Interest Margin

NPL Non Performing Loan

PPAPYD Penyisihan Penghapusan Aktiva Produktif yang Dibentuk Bank

PPAPWD Penyisihan Penghapusan Aktiva Produktif yang Wajib Dibentuk

ROA Return on Asset

SIMSPBI Sistem Informasi Manajemen Sektor Perbankan Bank Indonesia

UKM Usaha Kecil Menengah

v

DAFTAR ISTILAH

Aktiva Produktif Penanaman dana Bank baik dalam Rupiah maupun valas dalam bentuk kredit, surat

berharga, penempatan dana antar bank, penyertaan, termasuk komitmen dan kontinjensi

pada transaksi rekening administratif.

APYD Aktiva produktif baik yang sudah maupun yang mengandung potensi tidak memberikan

penghasilan atau menimbulkan kerugian

ATMR Terdiri dari :

1. aktiva neraca yang diberikan bobot sesuai kadar risiko kredit yang melekat

2. beberapa pos dalam off balancesheet yang diberikan bobot sesuai dengan kadar

risiko kredit yang melekat

Call Money BI Penempatan dana pada Bank Indonesia dalam bentuk call money yang merupakan

intervensi rupiah oleh Bank Indonesia dalam rangka operasi pasar terbuka (OPT)

DPK Simpanan pihak ketiga bukan bank yang terdiri dari Giro, Tabungan dan Simpanan

berjangka

Kredit Penyediaan uang atau tagihan yang dapat dipersamakan dengan itu, berdasarkan

persetujuan atau kesepakatan pinjam-meminjam antara Bank dengan pihak lain yang

mewajibkan pihak peminjam untuk melunasi utangnya setelah jangka waktu tertentu

dengan pemberian bunga, termasuk :

1. Pembelian Surat Berharga nasabah yang dilengkapi dengan Note Purchase

Agreement (NPA)

2. Pengambilalihan tagihan dalam rangka kegiatan anjak piutang

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

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

vi

DAFTAR RASIO

CAR (Modal Inti + Modal Pelengkap) / ATMR

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

Modal Inti, terdiri dari :

1. Modal Disetor

2. Cadangan tambahan modal, terdiri dari :

a. Faktor penambah, yaitu :

1. Agio

2. Modal sumbangan

3. Cadangan umum modal

4. Cadangan tujuan modal

5. Laba tahun-tahun lalu setelah diperhitungkan pajak

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

7. Selisih lebih penjabaran laporan keuangan kantor cabang luar negeri

8. Dana setoran modal

b. Faktor pengurang, yaitu

1. Disagio

2. Rugi tahun-tahun lalu

3. Rugi tahun berjalan

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

5. Penurunan nilai penyertaan pada portofolio yang tersedia untuk dijual

Modal Inti diperhitungkan dengan faktor pengurang berupa goodwill

Modal Pelengkap terdiri dari :

1. Cadangan revaluasi aktiva tetap

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

3. Modal pinjaman

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

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

tingginya sebesar 45%.

Rasio KAP APYD / Total Aktiva Produktif


vii

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


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

yang sama


Rasio KBAB Kewajiban Bersih Antar Bank / Modal Inti

Kewajiban Bersih Antar Bank merupakan selisih antara kewajiban bank dengan tagihan

bank kepada bank lain

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

Rasio LDR Kredit / Dana yang diterima

Dana yang diterima terdiri dari :

1. Giro, deposito dan tabungan masyarakat

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

pinjaman subordinasi

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

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

5. Modal inti

6. Modal Pinjaman

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

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

Rasio NIM Pendapatan Bunga Bersih / Rata-Rata Aktiva Produktif

Pendapatan Bunga Bersih = Pendapatan Bunga – Beban Bunga

Dalam perhitungan NIM, pendapatan bunga bersih disetahunkan.

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

viii

DAFTAR TABEL

Topik / Judul No. Tabel

1. Kegiatan Usaha 1.1 s.d 1.7

2. Laporan Laba/Rugi 2.1 s.d 2.7

3. Rekening Administratif 3.1 s.d 3.7

4. Kinerja 4.1 s.d 4.8

5. Aset

a. Perkembangan Aset 5.1

b. Bank Umum Berdasarkan Total Aset 5.2

c. Peringkat Bank Berdasarkan Total Aset 5.3

6. Aktiva Produktif 6.1 s.d 6.7

7. Non Performing Loan (NPL)

a. Pengelompokkan Bank Berdasarkan Rasio NPL 7.1

b. NPL Berdasarkan Sektor Ekonomi 7.2 s.d 7.8

c. NPL Berdasarkan Jenis Penggunaan 7.9 s.d 7.15

d. NPL Berdasarkan Lokasi penyaluran 7.16

e. NPL Penerusan Kredit (off balancesheet) 7.17

8. Dana Pihak Ketiga (DPK)

a. Komposisi DPK 8.1 s.d 8.7

b. Peringkat Bank Berdasarkan DPK 8.8

c. DPK Berdasarkan Lokasi Penghimpunan 8.9 s.d 8.10

d. Deposito Berdasarkan Jangka Waktu Simpanan 8.11

9. Kredit

a. Peringkat Bank Berdasarkan Kredit 9.1

b. Kredit Berdasarkan Sektor Ekonomi 9.2 s.d 9.8

c. Kredit Berdasarkan Jenis Penggunaan 9.9 s.d 9.15

d. Kredit Berdasarkan Lokasi penyaluran 9.16

e. Penerusan kredit (off balancesheet) Berdasarkan Sektor Ekonomi 9.17

f. Penerusan kredit (off balancesheet) Berdasarkan

Jenis Kredit dan Golongan Penyalur 9.18

10. Perkembangan Jumlah Bank dan Kantor Bank

a. Perkembangan Jumlah Bank dan Kantor Bank Umum 10.1

1

Kondisi Umum

KONDISI UMUM

KEGIATAN USAHA

Perkembangan kegiatan usaha Bank Umum

menunjukkan kecenderungan yang stabil. Sampai

dengan bulan Oktober 2004, indikator-indikator

kegiatan usaha Bank Umum terus bergerak ke arah

yang lebih baik. Ekspansi kredit terus dilakukan oleh

Bank Umum sejalan dengan kenaikan Dana yang

Diterimanya. Pada bulan Oktober ini penyaluran

kredit sebesar Rp 530,8 triliun naik sebesar 12,3

triliun atau sebesar 2,37% dari bulan lalu. Jumlah

penyaluran kredit tersebut mencapai 49,13% dari

Dana yang Diterima Bank Umum. (lihat Grafik

Perkembangan Kredit)

GrafikPerkembangan Kredit

Di sisi lain, indikator Antar Bank dalam

kegiatan penyaluran dana Bank Umum

menunjukkan perubahan yang signifikan. Pada bulan

Oktober ini Inter Bank Call Money meningkat sebesar

Rp 4,6 triliun dari bulan September yang lalu.

Sedangkan pos giro, deposito, dan antar bank lainnya

mengalami penurunan. Penurunan yang terbesar

terjadi pada pos antar bank lainnya yang mencapai

Rp 18,6 triliun. Dengan demikian Inter Bank Call

Money mendominasi Antar Bank Aktiva. (lihat Grafik

Komposisi Antar Bank Aktiva)

GrafikPerkembangan Komposisi Antar Bank Aktiva

Kredit, Dana Yang Diterima (milyar Rp) LDR (persen)

0

200.000

400.000

600.000

800.000

1.000.000

1.200.000

38,00

40,00

42,00

44,00

46,00

48,00

50,00

Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt

Dana yang Diterima LDRKredit

8%

45%13%

34%

September 2004

8%

59%15%

18%

Oktober 2004

Giro Inter Bank Call Money Deposito Lainnya

Aktivitas Bank Umum dalam penghimpunan

Dana Pihak Ketiga (DPK) dalam rupiah untuk pos

giro dan deposito mengalami penurunan masing-

masing sebesar Rp 106 milyar dan Rp 1,11 triliun.

Sedangkan untuk pos tabungan mengalami

2

Kondisi Umum

peningkatan yang cukup besar, yaitu mencapai Rp

3,99 triliun. Untuk DPK dalam valuta asing kenaikan

terjadi pada pos giro, sedangkan pos tabungan dan

deposito mengalami penurunan. Penurunan terbesar

terjadi pada deposito yang mencapai Rp 1,4 triliun.

(lihat Grafik Perkembangan Pos-pos DPK)

kelompok Bank Persero satu tahun ini justru

mengalami penurunan asset yang cukup besar, yaitu

mencapai Rp 32,7 triliun. (lihat Grafik Perkembangan

Aset Kelompok Bank)

GrafikPerkembangan Pos-Pos DPK

2004

Milyar Rp

Dana Pihak Ketiga Rupiah

0

50000

100000

150000

200000

250000

300000

350000

400000


2004

Milyar Rp

Dana Pihak Ketiga Valas

0

20000

40000

60000

80000

100000


Giro Deposito Tabungan

Ditinjau dari perkembangan aset Bank Umum

secara keseluruhan mengalami peningkatan yang

cukup besar dari periode yang sama tahun lalu, yaitu

mencapai Rp 49,3 triliun. Kelompok Bank yang

mengalami peningkatan asset tertinggi dalam 1 tahun

ini adalah BUSN Devisa yang mencapai Rp 55,4

triliun, disusul oleh kelompok Bank Asing dengan

peningkatan sebesar Rp 18,8 triliun. Sedangkan

KINERJA

Indikator-indikator kinerja Bank Umum pada

bulan Oktober 2004 ini mengalami penurunan. Pada

Indikator CAR peningkatan ATMR yang melebihi

peningkatan modal menyebabkan CAR turun. (lihat

Grafik Perkembangan CAR)

GrafikPerkembangan Aset Kelompok Bank

Oktober 2003 Oktober 2004

Bank Persero

BUSN Devisa

BUSN Non Devisa

Bank BPD

Bank Campuran

Bank Asing

0 100.000 200.000 300.000 400.000 500.000 600.000

GrafikPerkembangan CAR

2004

Milyar Rp (Modal, ATMR) Persen (CAR)

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

18,00

19,00

20,00

21,00

22,00

23,00

24,00

25,00


Modal ATMR Modal Tabungan

3

Kondisi Umum

Dilihat perkembangan dalam 10 bulan

terakhir rasio CAR menunjukkan kecenderungan

yang menurun. Pada awal tahun 2004 rasio CAR

sebesar 23, 79% dan terus menurun sampai dengan

bulan Oktober ini menjadi sebesar 20,44%.

Rasio KAP masih menujukkan kecenderungan

yang stabil walau pada bulan Oktober ini mengalami

penurunan sedikit dari bulan lalu menjadi 2,48%.

Untuk rasio ROA mengalami penurunan sebesar 5

point dari bulan lalu menjadi 2, 91%. Sedangkan

rasio BOPO menunjukkan peningkatan menjadi

84,82%. Peningkatan rasio BOPO ini menunjukkan

bahwa peningkatan biaya operasional Bank lebih

besar dibandingkan dengan peningkatan pendapatan

GrafikPerkembangan Kinerja Bank Umum

operasional Bank. (lihat Grafik Perkembangan

Kinerja Bank Umum)

2004Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt

75,00

80,00

85,00

90,00

95,00

0,00

1,00

2,00

3,00

4,00

KAP ROA BOPO

Data Perbankan Indonesia - Oktober 2004

7

Penyaluran Danaa. Kredit

RupiahValas

b. Antar BankGiroInter Bank Call MoneyDepositoLainnya

c. Penempatan di BIGiroSBICall MoneyLainnya

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

Sumber Danaa. DPK Rupiah

GiroDepositoTabungan

ValasGiroDepositoTabungan

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

RupiahValas

f. Kewajiban Lainnyag. Setoran Jaminan

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

Milyar Rp

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

2 0 0 3

316.059 371.058 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835203.251 272.689 326.947 335.456 340.347 335.952 339.008 345.595 353.747 362.758 376.041 380.330 392.699 404.184 416.716112.808 98.368 99.934 102.789 100.158 102.373 102.036 103.782 105.864 113.468 115.346 113.318 117.922 114.342 114.118149.354 124.553 103.299 103.996 112.183 103.184 102.843 100.171 91.751 108.713 100.208 98.752 97.759 100.244 101.24514.648 11.233 6.288 8.888 7.183 7.260 8.018 9.048 6.541 8.821 8.753 7.136 7.392 7.634 6.77960.892 52.366 44.271 42.500 47.696 48.592 49.621 47.061 41.258 54.064 48.704 45.725 43.486 45.021 49.64233.717 25.495 18.003 17.940 21.552 14.832 13.473 13.699 12.691 12.072 12.387 12.196 12.330 13.256 13.07540.097 35.459 34.737 34.668 35.752 32.500 31.731 30.363 31.261 33.756 30.364 33.695 34.551 34.333 31.749

134.283 153.760 204.776 166.943 188.732 204.331 200.463 192.629 183.520 186.109 192.090 194.805 194.913 194.228 185.24741.301 45.805 55.607 54.250 61.455 46.466 47.054 46.451 45.788 46.085 47.681 67.310 65.088 65.042 67.47574.296 76.859 131.239 100.827 101.374 130.395 136.763 133.238 120.259 106.721 110.610 103.490 110.180 63.135 100.01616.225 30.443 14.892 8.816 18.725 20.553 11.265 11.029 15.673 29.306 27.544 20.360 17.631 56.118 16.3442.461 653 3.038 3.050 7.179 6.917 5.381 1.910 1.800 3.997 6.255 3.645 2.015 9.933 1.411

33.972 32.931 35.812 37.494 34.980 36.626 33.522 34.199 34.028 40.688 44.784 42.497 38.561 36.416 36.5242.997 5.143 6.004 5.933 5.892 5.969 6.002 6.062 6.836 6.912 7.090 7.123 7.169 7.192 7.098

20.115 11.440 13.560 12.313 14.439 12.860 14.719 14.410 15.459 16.593 16.558 15.651 16.267 17.040 16.660

797.362 835.778 879.379 875.422 888.567 886.459 877.107 875.132 872.906 895.117 912.787 909.471 919.251 926.433 928.016636.153 687.394 733.620 726.673 742.619 738.650 730.673 728.191 729.653 741.595 759.629 759.163 766.781 774.241 777.021119.995 130.238 152.586 141.840 150.117 145.598 152.815 154.194 147.440 157.000 163.310 163.593 166.996 164.999 164.893344.854 364.567 362.693 359.531 351.840 350.161 334.828 327.640 331.645 330.720 336.541 333.116 335.141 339.099 337.986171.304 192.589 218.341 225.302 240.663 242.892 243.030 246.356 250.568 253.875 259.779 262.455 264.644 270.143 274.142161.209 148.384 145.759 148.749 145.948 147.809 146.433 146.941 143.253 153.522 153.158 150.308 152.471 152.192 150.99564.874 65.988 70.237 69.180 67.881 70.511 71.028 71.907 69.464 78.569 80.637 78.621 79.412 79.750 80.05395.051 81.624 74.564 78.724 76.993 76.263 74.376 74.046 72.829 73.982 71.506 70.728 72.377 71.834 70.3731.284 772 957 845 1.073 1.034 1.030 987 961 971 1.015 958 681 608 569

15.324 12.795 11.406 11.452 10.938 10.827 10.743 10.635 10.999 11.272 11.028 10.865 10.762 10.726 11.95393.584 81.349 66.038 64.398 68.611 65.116 65.268 68.034 66.096 69.174 65.632 66.022 70.567 72.667 74.2459.626 4.057 12.210 12.401 10.785 10.811 11.379 11.455 11.658 12.267 12.703 12.699 12.977 13.091 14.761

28.717 13.745 6.981 6.960 7.478 7.491 9.719 9.094 8.606 10.268 9.841 9.416 10.007 10.637 10.4899.672 5.284 5.036 5.018 5.082 5.084 5.122 4.773 4.928 5.662 5.880 6.323 6.110 6.116 6.021

19.045 8.461 1.945 1.941 2.396 2.408 4.596 4.322 3.679 4.606 3.961 3.092 3.896 4.521 4.46822.761 14.237 15.257 15.177 16.737 11.119 11.522 10.999 11.728 14.323 15.808 13.044 11.730 12.133 12.2868.041 5.483 3.458 3.461 3.508 3.227 3.112 2.762 2.902 2.862 3.071 2.720 2.770 3.100 2.992

88.078 96.360 87.292 87.714 90.882 91.282 78.351 77.959 78.351 78.114 78.387 78.438 78.527 63.972 64.0893.325 5.062 7.803 5.628 4.784 3.328 3.230 3.503 3.570 5.007 5.036 5.095 5.112 5.116 5.251

12.204 16.537 19.052 19.631 22.875 3.278 5.947 8.501 10.702 13.554 15.967 18.492 20.560 23.966 25.120-320.064 -307.336 -308.222 -139.303 -73.113 -24.340 -27.671 -29.336 -32.721 -37.554 -39.735 -41.831 -41.834 -25.997 -26.169275.755 276.893 293.117 123.734 57.971 36.790 52.664 52.799 53.355 53.203 52.616 52.351 52.671 53.210 53.930

3.611 3.293 3.264 3.240 3.237 3.242 3.232 3.203 3.295 3.355 3.387 3.355 3.400 3.393 3.395

Tabel 1.1 Kegiatan Usaha Bank Umum

Des Des 2 0 0 4Indikator


8


RupiahValas








RupiahValas



Milyar Rp


2 0 0 3

121.496 150.632 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.64083.288 109.704 130.246 132.945 134.104 132.826 134.521 138.894 140.447 143.438 148.757 149.972 153.826 157.076 162.13438.208 40.928 42.296 43.874 43.033 43.333 43.298 43.844 44.432 47.891 48.469 48.317 50.315 48.833 48.50641.528 32.559 30.701 29.534 28.119 27.568 29.535 28.810 29.105 29.351 23.536 23.970 21.840 26.044 27.419

7.772 5.031 2.588 3.274 1.810 2.266 2.909 1.817 2.130 3.121 3.201 2.464 2.629 2.959 2.5879.433 10.493 15.188 12.124 11.114 12.504 13.848 15.536 14.875 14.846 10.527 12.121 8.871 12.970 12.810

12.211 6.206 3.204 4.334 5.013 2.760 3.285 2.871 4.035 3.410 3.352 3.360 3.500 2.715 3.70412.112 10.830 9.721 9.802 10.182 10.038 9.493 8.586 8.065 7.974 6.456 6.025 6.840 7.400 8.31859.221 45.148 64.337 40.421 56.762 58.546 60.788 56.052 50.224 48.337 54.152 56.454 57.825 55.302 52.04519.263 20.830 31.172 24.166 31.336 20.600 20.888 20.979 20.059 20.233 19.672 31.941 29.426 28.921 29.87331.583 7.422 30.072 13.073 14.909 30.653 34.434 32.404 28.247 21.069 21.737 16.944 25.038 8.720 17.193

8.271 16.743 1.719 1.600 5.598 2.728 2.162 1.830 1.304 5.000 7.650 5.150 2.778 12.355 4.899105 153 1.375 1.582 4.918 4.565 3.304 838 613 2.035 5.093 2.418 583 5.307 80

8.527 9.565 9.350 10.034 8.728 11.370 8.381 8.679 9.744 11.527 11.703 13.083 12.552 11.987 11.8791.710 3.748 4.794 4.767 4.733 4.789 4.808 4.801 4.808 4.811 4.782 4.787 4.801 4.814 4.786

11.420 4.629 6.640 5.538 7.463 5.713 7.377 7.539 7.950 7.709 7.637 7.136 7.524 8.199 8.000

364.206 370.542 374.810 368.327 368.479 365.553 360.877 359.990 359.504 361.118 365.152 361.013 361.387 363.127 364.064314.007 323.252 326.102 319.060 322.981 321.243 317.573 317.290 317.520 317.518 321.867 318.718 319.255 317.569 319.43350.780 51.157 60.107 58.468 59.839 58.737 61.358 63.301 61.914 65.123 66.373 66.532 66.529 64.252 63.733

183.582 181.524 163.582 155.515 149.656 147.695 141.291 136.443 136.337 131.619 132.482 128.293 127.927 125.895 126.77079.645 90.571 102.413 105.078 113.486 114.811 114.924 117.547 119.268 120.776 123.012 123.893 124.798 127.423 128.93050.199 47.290 48.707 49.267 45.498 44.310 43.305 42.699 41.984 43.600 43.285 42.296 42.132 45.557 44.63113.408 15.860 20.838 20.372 17.297 18.020 17.931 17.522 17.507 19.742 19.955 19.519 19.395 22.525 22.40936.629 31.372 27.778 28.803 28.114 26.205 25.285 25.066 24.352 23.729 23.193 22.626 22.596 22.894 22.085

162 59 91 92 88 85 89 111 125 129 137 151 141 138 1379.402 7.205 6.183 6.217 5.914 5.696 5.721 5.665 6.024 6.298 6.090 5.972 5.935 5.899 5.827

51.405 49.613 37.544 33.787 35.333 32.635 33.306 33.066 32.422 32.154 30.596 29.382 30.554 32.530 32.5938.360 2.608 8.491 8.704 7.124 7.131 7.726 7.766 7.881 8.472 8.406 8.264 8.570 8.576 9.456

26.373 11.855 5.033 5.016 5.537 5.509 7.728 7.564 6.811 8.473 7.927 7.704 8.154 8.440 8.3758.728 4.546 3.868 3.857 3.929 3.897 3.907 3.873 3.738 4.479 4.590 5.042 4.845 4.810 4.663

17.645 7.309 1.165 1.159 1.608 1.612 3.821 3.691 3.072 3.993 3.338 2.662 3.309 3.631 3.71212.904 4.992 8.630 8.295 8.676 4.196 4.145 4.050 4.201 4.026 6.448 5.355 3.748 4.282 4.123

1.183 1.295 1.079 1.098 1.312 1.309 1.341 1.346 1.304 1.300 1.333 1.350 1.463 1.487 1.494

46.335 46.336 36.864 36.864 40.136 40.136 27.175 27.175 27.175 27.175 27.175 27.209 27.227 27.222 27.2531.684 2.807 5.038 2.863 2.019 562 577 577 612 1.512 1.880 1.883 1.880 1.880 1.8624.735 8.061 8.596 8.299 11.068 1.568 2.660 3.591 4.443 6.128 7.448 8.347 8.761 10.833 10.686

-271.405 -267.868 -271.726 -102.390 -42.837 -6.655 -6.695 -6.504 -9.108 -12.703 -14.282 -14.275 -14.275 -14.272 -14.253240.899 244.222 259.359 90.695 35.512 10.884 23.374 23.770 23.911 24.392 23.858 23.372 23.613 23.728 24.594

3.159 2.966 2.901 2.904 2.892 2.896 2.897 2.911 2.928 3.005 3.022 2.990 3.019 2.989 2.981

Tabel 1.2 Kegiatan Usaha Bank Persero



9


RupiahValas








RupiahValas



Milyar Rp

95.580 125.901 152.025 155.833 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.45472.254 106.902 130.110 133.407 137.791 134.210 135.313 138.599 142.709 148.010 153.993 154.414 159.507 165.870 170.86223.327 18.999 21.916 22.427 22.168 22.054 22.157 21.618 22.563 24.832 25.674 25.054 26.414 25.621 25.59243.518 36.383 30.096 92.923 36.502 33.239 30.167 33.405 27.315 29.989 31.166 30.097 30.030 29.519 30.5124.431 3.146 2.331 3.597 3.605 3.530 3.498 5.797 2.974 3.630 3.696 2.873 3.044 3.011 2.685

17.235 15.837 10.811 12.051 14.196 13.850 11.772 12.042 9.334 10.311 14.687 14.274 13.861 12.688 14.5642.417 2.138 1.939 2.480 3.422 3.229 2.333 3.311 2.438 2.558 2.397 2.733 2.483 3.022 2.718

19.435 15.263 15.015 74.795 15.279 12.630 12.564 12.255 12.569 13.490 10.386 10.217 10.642 10.798 10.54548.102 74.321 90.093 84.155 90.828 99.851 94.105 88.897 83.149 87.579 88.750 91.101 86.729 88.022 84.01915.110 17.225 16.697 20.644 20.274 18.020 17.901 17.638 18.098 18.022 19.533 25.902 26.195 26.522 27.39727.217 47.576 68.364 59.757 62.441 72.435 71.517 67.571 60.620 57.848 60.059 59.722 56.656 36.678 53.8905.732 9.519 5.032 3.755 8.087 9.397 4.688 3.689 4.432 11.578 8.923 5.135 3.588 24.464 2.555

43 - - - 26 - - - - 132 235 342 291 358 17820.426 17.301 20.015 20.302 19.496 18.256 18.714 18.787 16.467 20.090 20.542 19.660 19.158 17.450 17.1661.009 929 887 880 882 892 907 973 1.729 1.740 1.875 1.902 1.935 1.955 1.9633.037 2.875 3.682 3.661 3.985 3.782 3.967 3.683 3.822 4.519 4.717 4.460 4.550 4.686 4.630

290.576 321.110 340.881 349.865 360.536 358.398 351.941 353.903 351.873 361.450 372.690 373.439 377.677 381.887 382.807242.029 272.090 291.942 298.676 309.848 306.916 302.172 302.439 303.658 310.482 319.953 322.630 326.762 332.181 334.64536.677 42.553 48.167 45.152 51.153 48.130 51.898 51.974 47.806 52.151 54.982 53.712 55.655 55.992 56.998

125.120 140.505 142.326 148.156 148.832 147.021 138.362 137.638 140.542 141.699 145.211 147.363 148.582 151.187 150.60080.232 89.032 101.450 105.368 109.863 111.765 111.911 112.827 115.310 116.632 119.760 121.556 122.524 125.001 127.04748.547 49.021 48.939 51.189 50.688 51.482 49.770 51.464 48.215 50.968 52.737 50.809 50.916 49.707 48.16224.304 24.944 26.113 26.306 27.160 28.526 28.196 30.487 27.467 29.876 32.235 31.124 30.825 29.896 29.40124.238 24.069 22.815 24.871 23.516 22.943 21.560 20.960 20.728 21.072 20.478 19.659 20.064 19.785 18.732

5 8 11 11 12 12 14 17 19 20 23 25 27 26 295.148 4.925 4.569 4.581 4.379 4.484 4.382 4.374 4.371 4.372 4.346 4.311 4.250 4.258 4.792

22.960 14.449 11.010 12.098 13.687 12.888 14.243 16.965 15.805 16.221 15.330 16.353 17.602 17.842 18.232546 664 2.138 2.135 2.098 2.113 2.091 2.093 2.178 2.202 2.346 2.484 2.497 2.605 2.632904 754 913 909 905 904 846 563 852 815 939 945 1.084 1.399 1.395531 394 810 806 803 801 769 484 773 769 892 899 896 897 896373 360 103 103 102 103 77 78 79 46 47 46 187 503 499

4.905 4.360 4.066 4.237 4.010 4.214 4.586 4.485 5.189 6.412 5.874 5.027 5.044 5.143 5.5126.537 3.894 1.971 1.881 1.699 1.512 1.314 959 1.175 1.064 1.168 737 624 705 733

1.168 1.168 1.168 1.168 1.16827.519 33.345 33.954 34.274 34.274 34.297 34.258 33.991 34.258 34.260 34.402 34.404 34.404 19.753 19.770

796 1.089 1.200 1.200 1.200 1.200 1.030 1.232 1.264 1.730 1.311 1.311 1.313 1.312 1.4613.315 3.366 5.726 6.399 6.988 816 1.728 2.618 3.374 4.237 5.100 5.980 6.954 7.778 8.442

-42.912 -37.833 -35.430 -35.598 -28.631 -21.602 -24.873 -26.116 -26.361 -27.010 -27.005 -28.472 -28.401 -12.553 -12.70134.379 31.035 31.230 30.552 22.978 23.376 26.740 26.463 26.831 26.294 26.264 26.460 26.501 26.905 26.755

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

Tabel 1.3 Kegiatan Usaha BUSN Devisa

Des Des


2 0 0 3 2 0 0 4Indikator


10


RupiahValas








RupiahValas



Milyar Rp

9.748 11.574 13.897 14.370 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.4979.748 11.574 13.897 14.370 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.497

- - - - - - - - - - - - - - -950 1.006 1.560 1.726 1.557 1.758 1.511 1.371 1.275 1.230 1.174 1.425 1.270 1.222 1.398

47 46 50 51 62 48 55 50 43 48 52 51 51 69 55238 287 155 322 251 340 363 391 408 387 397 630 476 395 578143 270 164 156 186 168 56 20 28 22 25 26 24 30 24522 403 1.191 1.197 1.058 1.202 1.037 910 796 773 700 718 719 728 741

3.181 4.414 3.407 3.053 3.703 3.252 2.827 2.989 3.150 3.313 3.744 3.909 3.936 4.060 3.622707 881 1.002 1.175 983 977 958 945 923 903 983 1.055 1.134 1.155 1.215

1.968 2.512 1.963 1.479 1.908 1.739 1.490 1.724 1.761 1.638 2.133 1.947 1.917 1.779 1.918377 1.021 434 393 809 526 376 313 443 732 643 873 853 1.093 468129 - 8 6 3 9 2 8 23 40 14 34 31 34 21860 1.428 3.081 3.116 3.033 2.993 1.897 1.721 1.642 1.634 1.512 1.483 1.398 1.446 1.535

14 14 16 16 16 16 17 17 17 17 17 17 17 17 17212 24 235 231 221 248 158 152 151 160 145 123 61 43 114

13.808 17.050 19.506 19.509 19.989 19.446 17.967 18.007 17.744 17.791 18.255 18.920 19.114 19.457 19.44513.808 17.050 19.506 19.509 19.989 19.446 17.967 18.007 17.744 17.791 18.255 18.920 19.114 19.457 19.445

1.352 1.433 1.668 1.619 1.718 1.734 1.755 1.848 1.900 1.933 1.848 1.955 2.024 2.022 1.94710.690 13.866 15.832 15.913 16.271 15.611 14.157 14.095 13.805 13.865 14.279 14.832 14.949 15.296 15.272

1.766 1.751 2.006 1.977 2.000 2.101 2.054 2.065 2.039 1.993 2.128 2.133 2.142 2.139 2.226- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

193 159 203 203 215 215 215 243 253 253 252 250 249 243 237641 581 943 1.116 1.194 1.669 699 626 503 580 352 355 300 268 311101 92 417 417 417 417 409 426 426 420 420 420 420 420 430102 85 82 81 81 80 79 79 78 77 76 74 73 72 71102 85 82 81 81 80 79 79 78 77 76 74 73 72 71

- - - - - - - - - - - - - - -490 337 208 223 173 186 189 176 209 353 312 248 261 286 303

3 2 3 3 2 3 3 3 3 2 2 2 3 2 2

2.208 1.872 2.099 2.103 2.137 2.138 2.059 2.055 2.055 2.055 2.152 2.152 2.161 2.161 2.185104 100 104 104 104 104 104 104 106 106 113 113 113 112 112273 327 455 515 471 35 111 160 222 274 314 363 417 448 509

-347 -84 54 53 49 528 489 470 470 464 429 427 426 423 42159 15 68 49 47 49 22 25 32 26 22 23 23 32 4381 56 106 106 106 106 56 56 56 56 69 69 63 63 63

Tabel 1.4 Kegiatan Usaha BUSN Non Devisa

Des Des

Milyar Rp


2 0 0 3 2 0 0 4Indikator


11


RupiahValas








RupiahValas



Milyar Rp

15.396 21.498 28.997 29.362 28.348 29.292 29.899 30.891 31.825 32.772 33.658 34.387 35.148 35.944 36.91715.373 21.486 28.981 29.346 28.332 29.276 29.883 30.872 31.807 32.754 33.639 34.359 35.125 35.921 36.898

23 12 16 16 16 16 16 17 18 18 19 27 24 23 1919.099 20.347 14.926 13.425 14.914 10.896 9.281 9.479 8.105 7.967 9.191 8.476 8.780 9.992 8.977

704 2.281 682 917 672 675 748 671 576 592 722 813 911 671 634651 1.103 794 744 726 940 844 738 693 596 1.097 773 848 1.058 849

16.734 16.257 12.377 10.687 12.609 8.369 6.803 7.180 5.856 5.778 6.338 5.782 6.018 7.181 6.3291.011 706 1.073 1.077 907 912 886 890 980 1.001 1.034 1.108 1.003 1.082 1.1656.594 10.026 18.930 15.246 14.931 15.041 16.735 15.937 15.259 14.891 17.011 17.217 18.559 16.900 15.7062.032 2.693 2.766 3.454 3.360 2.567 2.466 2.585 2.403 2.454 2.778 3.048 3.228 3.268 3.3953.026 5.571 11.270 8.700 7.224 7.633 9.951 10.648 8.896 7.476 10.120 9.914 11.305 6.559 9.943

862 1.262 3.248 1.656 2.124 2.904 2.283 1.676 2.882 3.316 3.239 3.459 3.435 4.647 1.746675 499 1.646 1.437 2.222 1.937 2.036 1.028 1.078 1.646 874 796 590 2.426 622198 420 904 1.384 1.315 1.447 1.395 1.217 1.719 2.094 2.224 2.285 2.394 2.502 2.66545 46 12 12 12 12 12 12 12 12 12 12 12 12 1243 - - 2 9 11 2 3 4 5 4 3 4 5 4

36.968 45.758 57.613 52.454 51.695 50.015 50.778 50.688 50.062 50.942 55.023 54.866 56.696 57.093 54.93936.938 45.717 57.565 52.407 51.638 49.879 50.695 50.581 49.957 50.822 54.901 54.664 56.600 57.005 54.85322.769 25.750 30.696 26.628 26.452 24.830 25.679 25.249 24.118 23.938 27.134 26.791 29.019 28.764 26.504

7.011 10.970 17.125 15.592 12.536 13.432 13.729 14.119 14.568 15.366 15.801 15.874 15.327 15.665 15.3557.158 8.998 9.744 10.188 12.650 11.617 11.287 11.214 11.270 11.517 11.967 11.999 12.254 12.576 12.993

30 41 48 47 57 136 83 107 105 121 122 202 95 88 8616 23 32 30 40 118 65 86 85 93 95 176 76 68 6514 17 16 17 17 18 18 21 20 28 27 26 20 20 20

- - - - - - - - - - - - - - -581 506 451 450 429 432 357 353 350 349 340 333 329 326 269

2.106 1.968 1.906 1.710 2.433 1.680 1.891 2.164 2.082 2.124 1.983 1.933 2.367 2.459 2.687569 674 1.164 1.146 1.146 1.149 1.153 1.171 1.173 1.173 1.531 1.531 1.490 1.489 2.243296 258 276 275 269 305 336 337 339 336 323 309 296 338 391296 258 276 275 269 305 336 337 339 336 323 309 296 338 391

- - - - - - - - - - - - - - -1.884 2.131 785 998 2.314 967 795 813 612 608 762 752 1.115 806 790

26 12 43 41 53 41 32 27 30 37 51 68 78 80 93

3.306 3.940 4.411 4.509 4.571 4.748 4.760 4.774 4.813 4.849 4.882 4.897 4.915 5.017 5.054277 409 669 669 670 670 698 718 716 788 861 916 924 928 932

1.098 1.805 1.713 1.851 1.732 300 548 747 955 1.181 1.363 1.612 1.845 2.074 2.325-1.271 -939 -431 -455 -474 1.612 1.554 1.372 1.189 776 245 -118 -126 -136 -172

6 4 4 4 1 12 27 36 43 6 6 6 8 4 459 71 102 75 83 84 74 80 106 123 126 125 148 171 181

Tabel 1.5 Kegiatan Usaha BPD

Des Des


2 0 0 3 2 0 0 4Indikator


12


RupiahValas








RupiahValas



Milyar Rp

29.162 25.111 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.1694.990 5.273 5.883 6.002 6.519 6.278 6.325 5.991 6.162 6.214 6.580 7.138 7.558 7.968 8.835

24.172 19.838 18.959 19.345 18.456 19.055 18.670 19.114 19.423 20.776 20.974 20.522 21.227 20.496 20.3347.267 4.774 5.051 4.586 4.384 5.442 5.667 5.211 4.428 6.693 6.767 5.546 5.223 4.739 4.5401.135 504 400 455 488 458 598 481 472 962 649 632 483 594 5544.268 2.892 2.452 2.267 2.821 3.974 4.090 3.450 2.767 4.428 4.045 2.499 2.870 2.508 2.809

748 241 297 284 321 305 323 306 334 305 276 263 251 266 2701.117 1.137 1.902 1.580 754 705 656 974 855 998 1.797 2.152 1.619 1.371 9076.646 9.237 10.755 9.142 8.965 10.645 10.335 10.961 11.194 11.124 10.340 10.331 9.523 11.128 11.0621.245 1.398 1.151 1.332 2.229 1.186 1.242 1.250 1.276 1.312 1.390 1.517 1.408 1.416 1.4754.668 6.700 8.640 7.252 5.864 7.422 8.481 9.072 9.173 8.170 7.800 7.189 6.183 4.141 8.091

638 1.139 963 544 861 1.633 611 638 740 1.641 1.149 1.624 1.931 5.391 1.49595 - - 14 10 405 1 1 5 1 1 1 1 180 -

883 1.470 826 976 726 719 736 872 956 1.096 1.154 1.109 1.067 1.289 1.390200 234 213 190 180 180 180 181 192 183 256 256 257 240 240

2.729 1.349 1.350 1.279 1.266 1.380 1.512 1.671 1.840 1.965 1.979 1.965 1.926 1.867 2.037

23.366 21.417 22.627 21.911 21.827 23.488 24.084 24.195 24.089 26.649 26.714 26.086 26.596 27.988 28.7106.689 7.388 9.893 8.860 8.719 9.930 9.724 10.154 9.978 10.829 11.153 10.246 10.583 11.949 12.0742.194 2.609 2.878 2.227 2.314 2.686 2.426 2.455 2.420 3.208 3.320 3.379 3.281 3.343 3.2524.295 4.642 6.703 6.418 6.167 6.973 7.044 7.440 7.289 7.305 7.547 6.539 6.947 8.258 8.492

200 136 312 215 238 271 253 259 268 316 285 327 355 348 32916.677 14.030 12.734 13.051 13.108 13.558 14.361 14.041 14.111 15.820 15.561 15.841 16.014 16.039 16.636

7.676 6.635 6.510 6.524 6.624 6.317 7.162 6.455 7.156 8.366 8.194 8.475 5.228 8.162 8.4638.524 7.265 6.066 6.363 6.285 7.045 6.997 7.370 6.741 7.233 7.127 7.143 7.786 7.877 8.174

477 130 158 164 199 196 201 216 215 221 240 223 - - -- - - - - - - - - - - - - - 44

9.869 8.354 8.867 8.378 8.108 8.806 8.102 9.027 9.292 10.393 10.745 10.571 10.137 9.517 9.690- - - - - - - - - - - - - - -

1.043 792 677 679 685 693 673 552 527 566 576 384 400 388 25715 - - - - - - - - - - - - - -

1.028 792 677 679 685 693 673 552 527 566 576 384 400 388 257577 511 407 287 284 336 333 404 327 608 461 376 298 293 259

77 39 35 34 32 25 29 31 36 54 46 43 40 95 100

8.110 8.645 7.743 7.743 7.543 7.743 7.743 7.743 7.743 7.554 7.554 7.554 7.599 7.599 7.599464 657 792 792 792 792 792 872 872 872 872 872 883 883 883

1.505 494 842 910 939 95 150 242 261 380 458 518 610 661 767-3.634 -2.731 -1.776 -1.776 -1.916 -812 -827 -1.145 -1.156 -1.037 -1.045 -1.025 -1.091 -1.091 -1.092

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

Tabel 1.6 Kegiatan Usaha Bank Campuran

Des Des

Milyar Rp


2 0 0 3 2 0 0 4Indikator


13


RupiahValas








RupiahValas



Milyar Rp


2 0 0 3

44.677 36.341 34.578 36.513 35.560 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 34.44817.598 17.750 17.830 19.386 19.075 18.523 17.813 16.781 17.200 17.899 18.586 19.748 21.606 21.953 20.65727.078 18.591 16.748 17.127 16.485 17.915 17.888 19.189 19.428 19.952 20.211 19.397 19.942 19.369 13.79136.992 29.484 20.964 21.803 26.708 24.282 25.328 21.895 21.424 33.483 28.374 29.238 30.616 28.727 27.753

560 225 238 594 546 282 205 232 346 468 432 303 274 330 22429.067 21.756 14.871 14.992 18.588 16.984 18.084 14.905 13.181 23.497 17.951 15.427 16.560 15.402 17.5361.463 384 22 - - - 50 10 - - - 32 53 41 25.902 7.119 5.833 6.217 7.574 7.016 6.989 6.748 7.897 9.518 9.991 13.476 13.729 12.954 9.991

10.538 10.614 17.255 14.925 13.544 16.996 15.643 17.792 20.537 20.864 18.093 15.795 18.342 18.815 16.8732.945 2.779 2.820 3.480 3.271 3.115 3.570 3.054 3.022 3.162 3.355 3.846 3.696 3.760 3.7565.834 7.076 10.930 10.565 9.027 10.514 10.890 11.819 11.561 10.520 8.762 7.775 9.081 5.259 7.452

345 759 3.496 869 1.245 3.366 1.145 2.883 5.872 7.039 5.939 4.119 5.046 8.168 5.1811.415 1 9 11 - 1 38 36 81 143 37 54 519 1.628 4853.078 2.746 1.636 1.682 1.682 1.841 2.299 2.923 3.439 4.247 7.649 4.877 1.992 1.741 1.752

18 171 81 69 69 79 79 79 79 150 150 150 149 155 812.675 2.563 1.652 1.601 1.495 1.726 1.702 1.363 1.691 2.235 2.077 1.964 2.202 2.240 1.737

68.436 59.900 63.942 63.356 66.041 69.560 69.243 68.349 68.722 77.166 74.954 75.147 77.781 76.881 70.13222.681 21.898 28.611 28.161 29.444 31.236 30.346 29.719 29.884 34.153 33.501 33.987 34.467 36.079 33.6216.222 6.735 9.070 7.746 8.640 9.481 9.657 9.368 9.267 10.647 9.652 11.224 10.487 10.627 11.640

14.157 13.061 17.125 17.937 18.377 19.429 18.248 17.906 18.221 20.867 21.221 20.215 21.408 22.797 19.4312.302 2.102 2.417 2.477 2.427 2.326 2.440 2.445 2.395 2.640 2.627 2.547 2.571 2.655 2.550

45.755 38.002 35.330 35.195 36.597 38.323 38.897 38.630 38.839 43.013 41.453 41.161 43.314 40.801 36.51119.470 18.527 16.743 15.948 16.761 17.531 17.670 17.357 17.250 20.493 20.158 19.327 20.889 19.099 16.62225.646 18.901 17.890 18.671 19.062 20.052 20.502 20.630 20.988 21.920 20.681 21.275 21.912 21.258 19.485

639 575 697 576 774 740 725 643 601 600 615 559 513 444 403- - - - - - - - - - - - - - 783

6.603 6.385 5.767 7.308 7.856 7.438 6.947 6.187 5.952 7.703 6.626 7.428 9.607 10.051 10.27151 19 - - - - - - - - - - - - -

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

2.002 1.907 1.161 1.136 1.280 1.220 1.361 1.071 1.188 2.317 1.951 1.287 1.265 1.323 1.223215 202 328 405 409 337 394 396 355 405 470 519 562 731 565

601 2.221 2.221 2.221 2.221 2.221 2.219 2.221 2.221 2.221 2.221 2.221 2.221 2.221 1.952- - - - - - - - - - - - - - -

1.278 2.484 1.720 1.656 1.677 466 760 1.142 1.446 1.353 1.283 1.673 1.975 2.172 2.196-496 2.120 1.085 862 696 2.588 2.624 2.587 2.200 1.957 1.923 1.633 1.633 1.633 1.310-21 138 971 951 950 985 1.012 1.019 1.049 1.005 985 1.009 1.045 1.059 101

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

Tabel 1.7 Kegiatan Usaha Bank Asing



14

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

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

Surat berhargaKredit yang diberikanLainnya

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


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

B. Beban operasional1. Beban bunga/bagi hasil

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

GiroSimpanan berjangkaTabunganPinjaman yang diterimaSurat berhargaLainnya

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


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

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

Milyar Rp


2 0 0 3

152.435 160.604 158.745 178.553 146.675 13.989 26.605 38.522 50.731 63.728 75.802 97.009 101.005 112.672 123.125128.356 133.835 104.216 113.119 115.818 9.761 18.610 28.261 37.442 46.653 56.429 65.533 74.929 84.369 92.822121.083 129.807 102.060 110.707 113.443 9.486 18.201 27.647 36.619 45.483 55.156 64.434 73.605 82.928 91.26022.615 23.880 11.104 11.969 12.486 958 1.887 2.837 3.708 4.533 5.352 5.972 6.733 7.457 7.9488.508 7.196 4.762 5.113 5.199 541 954 1.420 1.812 2.179 2.742 3.456 3.896 4.394 4.669

89.960 98.731 86.194 93.625 95.757 7.988 15.359 23.390 31.099 38.771 47.062 55.006 62.977 71.076 78.64347.963 47.692 34.900 37.505 37.584 2.658 5.204 7.674 10.105 12.483 14.826 17.269 19.567 21.872 23.74541.337 50.055 50.762 55.596 57.635 5.279 10.056 15.556 20.778 25.999 31.845 37.260 42.867 48.620 54.215

660 985 532 525 538 51 100 160 215 290 391 477 542 584 6837.273 4.029 2.156 2.411 2.375 274 410 614 823 1.171 1.273 1.099 1.324 1.442 1.5633.720 1.784 1.078 1.193 1.162 103 199 307 422 547 615 292 319 349 3862.812 1.524 797 915 911 137 149 223 294 405 481 574 705 828 891

741 721 281 304 303 34 61 84 107 219 176 232 300 265 285197 456 149 160 142 14 29 43 57 77 89 137 187 129 155256 130 108 119 147 17 21 35 41 113 71 77 78 86 78288 134 24 24 14 2 11 7 9 29 16 18 35 50 52477 3.208 3.600 4.459 4.192 359 1.362 1.549 1.901 1.220 1.394 1.793 2.929 2.067 2.146

9.934 10.553 37.266 46.682 11.466 1.900 3.435 4.003 5.392 8.000 8.325 18.541 11.320 11.679 12.2856.017 8.023 7.872 8.546 8.978 832 1.748 2.577 3.480 4.329 5.432 6.438 7.486 8.412 9.3467.651 4.984 5.784 5.747 6.221 1.137 1.450 2.132 2.515 3.526 4.209 4.704 4.340 6.145 6.526

150.162 151.542 141.654 162.340 130.243 14.445 24.947 35.302 45.084 55.918 65.940 73.743 85.177 93.786 102.88590.498 90.941 62.200 66.836 66.320 4.515 8.306 12.271 16.104 20.024 24.386 28.118 32.205 36.333 39.09681.850 86.771 60.275 64.617 64.193 4.341 7.979 11.760 15.403 18.806 22.931 26.800 30.697 34.627 37.209

812 693 594 715 737 56 109 165 222 278 338 356 441 476 5165.275 5.277 2.190 2.439 2.534 250 444 630 793 1.019 1.211 1.491 1.754 1.890 2.069

75.762 80.801 57.492 61.463 60.922 4.035 7.426 10.965 14.388 17.509 21.382 24.953 28.502 32.261 34.6247.154 6.945 5.246 5.690 5.682 432 823 1.267 1.681 2.099 2.525 2.973 3.362 3.814 4.222

51.317 56.106 37.013 39.435 39.017 2.264 4.114 5.982 7.776 9.561 11.414 13.272 15.079 16.987 18.48013.983 15.054 11.883 12.888 12.616 992 1.836 2.728 3.603 4.463 5.371 6.304 7.241 8.180 9.1431.225 571 488 285 266 31 62 82 100 117 146 187 212 228 216

499 437 835 948 1.109 124 228 327 438 333 681 807 960 1.078 1.1941.583 1.689 2.026 2.218 2.232 191 363 579 790 936 1.245 1.411 1.648 1.974 1.3698.527 4.132 1.896 2.190 2.103 170 319 500 686 1.180 1.050 778 872 1.017 1.1263.997 2.072 1.211 1.314 1.306 104 199 310 422 519 620 303 326 363 4043.768 1.508 501 560 475 49 93 148 197 346 330 365 420 466 508

763 552 185 315 322 17 27 42 67 316 99 110 126 188 21424 16 12 15 15 1 2 2 3 4 5 6 8 9 950 66 56 64 56 4 8 10 13 18 20 23 26 29 326 18 13 16 12 - 1 1 2 3 3 3 6 3 4

114 25 43 159 178 9 12 20 39 48 55 59 66 75 85467 340 9 9 8 - 1 2 3 234 4 4 4 5 5102 87 51 52 54 2 4 6 7 9 11 15 16 66 79121 38 28 29 24 3 7 11 15 38 406 540 635 689 762

6.116 5.932 35.350 44.946 10.033 1.820 3.194 3.668 4.672 7.366 8.017 7.375 9.947 9.840 10.325891 806 573 615 719 56 84 121 155 216 266 334 397 470 528

24.322 23.428 15.723 17.508 16.973 5.402 7.787 9.980 11.644 12.595 14.090 15.738 17.162 18.216 19.61028.335 30.435 27.808 32.435 36.198 2.652 5.576 9.262 12.509 15.717 19.181 22.178 25.466 28.927 33.326

2.273 9.062 17.091 16.213 16.432 -456 1658 3220 5.647 7.810 9.862 23.266 15.828 18.886 20.24063.931 64.673 41.462 45.486 51.671 7.130 10.561 14.940 17.972 23.457 27.759 29.227 34.046 37.160 40.38250.461 51.825 34.207 36.510 39.729 2.590 4.917 7.675 10.440 14.441 17.225 28.700 22.967 24.830 27.23513.470 12.848 7.255 8.976 11.942 4.540 5.644 7.265 7.532 9.016 10.534 527 11.079 12.330 13.14715.742 21.910 24.554 25.388 28.853 4.120 7.354 10.485 13.178 16.826 20.397 23.793 26.910 31.216 33.38712.204 16.538 19.052 19.631 22.875 3.278 5.947 8.501 10.702 13.554 15.967 18.492 20.560 23.966 25.120

Tabel 2.1 Laporan Laba / Rugi Bank Umum

Des Des 2 0 0 4


15


Penduduk a.Dari Bank ndonesia b.Dari bank-bank lain c.Dari pihak ketiga bukan bank Surat berharga Kredit yang diberikan Lainnya Bukan penduduk a.Kantor Pusat/Cabang sendiri di luar Indonesia b.Dari bank-bank lain c.Dari pihak ketiga bukan bank Surat berharga Kredit yang diberikan Lainnya 2. Kenaikan nilai surat berharga 3. Keuntungan Transaksi valuta asing/derivatif 4. Deviden, komisi/provisi/fee 5. Lainnya

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

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

Milyar Rp

72.468 77.706 86.292 100.959 62.802 5.854 11.097 16.187 21.124 26.722 32.137 46.777 41.921 47.222 52.51563.855 66.090 50.579 54.450 52.184 4.586 8.578 13.166 17.347 21.544 26.287 30.200 34.423 38.645 42.99659.487 63.493 49.191 52.892 50.739 4.419 8.318 12.770 16.816 20.738 25.452 29.645 33.791 37.932 42.2222.916 4.324 2.432 2.568 2.378 194 398 615 803 963 1.138 1.152 1.305 1.446 1.5372.210 2.020 1.600 1.778 1.577 243 400 595 787 922 1.227 1.792 1.987 2.292 2.388

54.361 57.149 45.159 48.545 46.785 3.982 7.520 11.560 15.227 18.853 23.088 26.702 30.500 34.194 38.29736.127 34.894 22.556 24.074 22.950 1.609 3.141 4.569 5.963 7.343 8.693 10.100 11.363 12.629 13.60618.160 22.043 22.503 24.359 23.747 2.357 4.356 6.950 9.222 11.467 14.338 16.528 19.056 21.470 24.600

74 212 100 111 88 16 23 41 41 42 57 73 81 95 914.368 2.597 1.388 1.558 1.445 167 260 396 531 806 835 555 632 713 7742.580 1.354 942 1.050 1.012 96 186 284 381 504 569 244 283 311 3461.189 586 266 313 250 49 42 65 87 146 162 194 223 236 246

600 657 180 196 183 22 32 48 63 156 104 117 126 166 182152 397 56 60 30 4 8 12 16 26 27 30 36 39 56196 126 103 113 140 16 20 30 39 108 63 71 72 79 76252 134 21 23 12 2 4 6 8 22 15 16 18 47 50120 2.622 1.861 2.507 1.943 137 576 514 555 188 340 375 1.406 389 328

1.821 4.173 28.721 38.907 3.701 149 509 529 756 1.659 1.416 11.371 1.550 1.727 2.1871.737 2.516 2.280 2.475 2.345 263 592 797 1.099 1.369 1.695 2.003 2.352 2.682 3.0194.935 2.305 2.844 2.620 2.628 720 843 1.181 1.368 1.962 2.385 2.828 2.190 3.778 3.984

75.186 76.343 79.700 96.187 58.297 7.777 13.207 18.120 22.283 26.815 31.598 34.736 39.097 43.051 48.21747.588 47.549 31.921 34.360 31.689 2.332 4.163 6.097 7.939 9.832 12.023 13.598 15.535 17.429 18.48842.245 45.086 30.683 32.881 30.348 2.207 3.924 5.731 7.440 8.868 10.868 12.613 14.384 16.119 17.034

375 351 262 358 359 28 55 85 116 146 179 170 230 239 2613.039 3.193 782 898 844 128 203 269 329 427 467 610 695 701 750

38.830 41.542 29.639 31.625 29.145 2.050 3.666 5.376 6.995 8.296 10.221 11.833 13.460 15.180 16.0233.057 2.919 2.120 2.308 2.081 206 375 564 750 946 1.139 1.343 1.500 1.711 1.896

27.298 29.324 19.101 20.270 18.638 1.060 1.866 2.691 3.441 4.169 4.877 5.588 6.279 7.000 7.6836.524 7.298 5.735 6.219 5.515 499 894 1.324 1.748 2.154 2.593 3.037 3.496 3.958 4.462

597 486 427 219 193 27 54 69 83 96 119 150 171 183 162161 123 503 563 671 77 136 196 253 105 403 484 580 641 762

1.193 1.393 1.754 2.047 2.046 181 341 533 719 826 1.090 1.231 1.434 1.686 1.0585.239 2.453 1.230 1.471 1.340 125 236 365 499 946 772 469 541 646 7172.432 1.188 847 924 889 79 151 232 310 388 471 136 157 176 1972.238 868 289 334 237 35 68 106 142 268 232 259 301 329 359

568 397 94 213 214 12 17 26 46 290 69 74 83 141 1614 5 7 8 7 - 1 1 2 2 3 3 4 4 5

13 25 29 32 20 2 4 4 5 7 8 8 10 11 12- 13 9 10 5 - - - - 1 1 - 1 - -

84 14 39 154 174 9 11 19 37 46 54 58 64 72 80466 340 8 9 8 - 1 2 2 234 3 3 3 3 4

1 - 1 - - - - - - - - 2 1 50 61104 10 7 8 1 - 3 2 1 17 383 515 610 663 737416 1.191 28.022 38.483 3.557 147 538 597 633 1.692 2.122 1.516 1.590 1.551 1.937292 251 180 200 228 17 16 20 28 41 52 71 90 107 126

26.786 27.342 19.570 23.136 22.822 5.281 8.487 11.404 13.682 15.233 17.018 19.036 21.272 23.301 26.929

-2.718 1.363 6.592 4.772 4.505 -1.923 -2.110 -1.933 -1.159 -93 539 12.041 2.824 4.171 4.29811.425 15.656 6.720 8.146 11.085 4.103 5.420 6.678 7.318 9.477 11.055 9.731 11.490 11.879 12.3373.461 6.877 2.728 2.532 2.875 205 302 685 1.057 2.191 2.516 11.466 2.900 2.378 2.3477.964 8.779 3.992 5.614 8.210 3.898 5.118 5.993 6.261 7.286 8.539 (1.735) 8.590 9.501 9.9904.735 8.061 8.596 8.299 11.068 1.568 2.660 3.591 4.443 6.128 7.448 8.347 8.761 10.833 10.686

Tabel 2.2 Laporan Laba / Rugi Bank Persero

Des Des


2 0 0 3 2 0 0 4


16


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

Surat berhargaKredit yang diberikan Lainnya

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




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

GiroSimpanan berjangka

Tabungan Pinjaman yang diterima Surat berharga Lainnya

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


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


Milyar Rp

49.821 52.267 43.688 47.766 52.125 4.055 7.944 12.108 16.039 20.012 24.182 28.260 32.315 36.203 40.37544.625 45.964 35.772 39.056 42.438 3.380 6.524 9.822 13.108 16.365 19.633 22.979 26.299 29.613 33.08542.754 45.129 35.287 38.528 41.862 3.332 6.429 9.677 12.908 16.125 19.352 22.623 25.882 29.206 32.65116.119 15.376 5.965 6.435 6.965 529 1.023 1.490 1.915 2.320 2.726 3.130 3.518 3.887 4.2613.278 1.776 1.010 1.103 1.248 103 162 246 312 402 456 524 585 635 723

23.357 27.978 28.312 30.991 33.648 2.700 5.244 7.941 10.681 13.403 16.170 18.969 21.779 24.685 27.66710.762 11.605 10.978 11.938 12.939 944 1.868 2.827 3.769 4.670 5.558 6.456 7.390 8.345 9.28812.244 15.975 17.291 19.010 20.660 1.753 3.370 5.095 6.876 8.667 10.510 12.401 14.265 16.240 18.276

350 398 42 43 49 3 5 19 36 66 102 112 124 100 1041.871 835 485 528 576 48 96 145 199 240 281 357 417 407 4351.122 421 132 140 147 7 13 22 40 43 45 47 33 36 38

645 363 276 305 335 30 61 90 116 144 172 201 231 280 296104 51 77 83 94 11 21 33 43 53 64 109 153 91 10144 47 74 81 92 10 21 31 41 51 61 106 150 88 9760 5 1 1 1 - - 1 1 1 1 1 - 1 1

- - 2 1 2 - 1 1 1 1 2 2 2 2 3350 526 1.564 1.796 2.074 103 210 383 466 307 318 604 645 637 730697 859 1.150 1.342 1.309 80 109 203 262 502 706 779 854 913 967

2.143 3.210 3.296 3.573 3.900 339 678 1.021 1.349 1.658 2.141 2.546 2.952 3.258 3.6502.005 1.707 1.906 1.999 2.404 153 423 680 855 1.180 1.384 1.352 1.564 1.784 1.943

47.558 49.776 38.635 42.069 45.890 3.468 6.113 9.558 12.693 15.729 19.128 22.247 25.179 28.446 31.88132.600 32.476 22.147 23.777 25.343 1.584 2.947 4.399 5.805 7.243 8.725 10.259 11.738 13.298 14.89130.341 31.474 21.838 23.452 24.996 1.568 2.920 4.347 5.725 7.152 8.626 10.152 11.641 13.190 14.772

354 277 279 300 317 23 44 67 89 110 131 154 175 196 2171.207 1.150 876 943 1.024 77 152 241 298 385 476 559 653 732 825

28.781 30.047 20.683 22.209 23.655 1.468 2.724 4.039 5.338 6.657 8.020 9.439 10.813 12.262 13.7312.667 2.373 1.830 1.980 2.127 141 269 422 560 692 828 972 1.106 1.242 1.386

18.535 20.549 13.221 14.144 15.021 873 1.587 2.321 3.050 3.804 4.579 5.401 6.186 7.011 7.8696.654 6.814 5.357 5.770 6.154 419 801 1.198 1.586 1.974 2.377 2.797 3.209 3.616 4.041

602 54 35 38 40 3 5 7 9 12 14 15 18 20 22166 125 166 197 228 29 55 73 106 129 154 182 211 243 273156 132 73 79 85 4 8 17 27 46 67 72 83 131 140

2.254 990 309 325 346 15 28 53 80 90 99 107 97 108 1191.125 421 132 139 146 7 13 29 47 50 52 54 40 42 45

961 441 108 113 118 6 9 14 20 25 29 31 33 38 42167 128 69 73 81 3 6 10 13 15 18 21 24 28 3310 7 3 3 3 - - - 1 1 1 1 1 2 122 20 11 12 16 1 1 2 3 3 4 4 4 5 65 4 3 4 6 - 1 1 1 1 2 2 2 2 3

28 10 4 4 4 - 1 1 1 1 1 2 2 3 5- - - - - - - 1 1 1 1 1 1 1 2

101 87 48 49 51 2 3 5 7 8 10 11 13 14 165 12 1 - - - - - - - - - - - -

299 723 905 1.001 1.029 62 83 117 164 312 453 516 552 612 648407 409 204 210 260 17 26 35 35 58 67 78 93 107 -

14.247 16.156 15.378 17.081 19.258 1.805 3.057 5.007 6.689 8.116 9.883 11.394 12.796 14.429 16.342

2.263 2.491 5.053 5.697 6.235 587 1.831 2.550 3.346 4.283 5.054 6.013 7.136 7.757 8.49445.640 42.013 29.834 32.260 35.037 2.572 4.439 6.959 9.220 11.596 14.046 16.407 18.861 21.519 24.04043.305 40.032 28.267 30.620 33.286 2.175 4.152 6.258 8.355 10.593 12.729 14.950 17.325 19.478 21.7862.335 1.981 1.567 1.640 1.751 397 287 701 865 1.003 1.317 1.457 1.536 2.041 2.2543.315 3.367 5.726 6.399 6.988 816 1.728 2.618 3.374 4.237 5.100 5.980 6.954 7.778 8.442

Tabel 2.3 Laporan Laba / Rugi BUSN Devisa

Des Des


2 0 0 3 2 0 0 4


17














Milyar Rp

3.025 3.732 3.366 3.697 4.002 324 614 928 1.233 1.537 1.832 2.127 2.386 2.665 1.9862.823 3.478 3.077 3.385 3.673 301 566 846 1.113 1.408 1.664 1.935 2.182 2.417 1.7972.823 3.478 3.077 3.385 3.673 301 560 846 1.113 1.403 1.664 1.935 2.168 2.417 1.797

440 458 278 291 306 15 26 38 51 67 76 90 105 120 84169 178 133 149 168 13 33 41 53 65 77 88 100 112 54

2.214 2.842 2.666 2.945 3.199 273 500 766 1.010 1.272 1.511 1.757 1.962 2.185 1.658312 415 385 431 477 34 61 86 109 131 153 174 193 213 87

1.897 2.412 2.277 2.510 2.717 239 438 679 900 1.139 1.357 1.582 1.767 1.970 1.5175 16 4 4 4 - 1 1 1 2 2 1 2 2 54 - - - - - - 6 - - 5 - - 15 - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - 6 - - 5 - - 15 - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - 6 - - 5 - - 15 - -- 34 87 85 87 4 9 20 37 26 44 47 34 48 301 - - - - - - - - - - - - - -

66 82 82 90 98 8 17 27 35 44 53 62 70 78 57135 138 120 135 145 11 22 36 46 58 70 82 99 122 102

2.736 3.347 2.884 3.150 3.426 289 502 759 998 1.232 1.474 1.709 1.928 2.174 1.5401.870 2.444 1.881 2.028 2.157 137 235 353 465 584 701 824 932 1.053 7381.869 2.443 1.878 2.025 2.152 135 231 344 452 564 679 800 907 1.028 713

12 13 11 13 14 2 3 5 6 8 10 12 14 15 1746 58 48 55 63 10 9 13 17 20 23 25 26 27 13

1.811 2.373 1.819 1.957 2.075 124 219 327 428 535 646 763 868 986 684120 117 83 90 97 6 12 19 25 32 40 47 53 60 53

1.444 1.995 1.557 1.674 1.769 100 173 258 336 419 506 598 679 772 560155 158 119 126 134 9 17 26 35 43 52 61 70 79 58

7 5 4 5 5 - 1 1 1 2 2 3 3 3 368 85 49 56 62 6 13 19 26 32 39 46 53 60 718 13 7 7 8 1 3 4 5 6 8 9 9 11 4

- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- 1 3 3 5 2 4 8 13 20 22 24 25 25 24- - - - - - - - - - - - - - -

33 4 4 5 6 1 2 3 4 5 5 6 7 9 9833 898 996 1.114 1.258 149 261 395 516 623 746 855 964 1.087 769

289 385 482 547 576 35 112 169 235 305 358 418 458 491 446788 864 641 575 614 42 83 129 171 205 243 286 344 396 349711 806 605 537 580 35 72 111 149 194 238 286 324 370 33577 58 36 38 34 7 11 18 22 11 5 - 20 26 14

273 327 455 515 471 35 111 160 222 274 314 363 417 448 509

Tabel 2.4 Laporan Laba / Rugi BUSN Non Devisa

Des Des

Milyar Rp


2 0 0 3 2 0 0 4


18















Milyar Rp

5.961 8.599 7.748 8.528 9.120 772 1.537 2.337 3.095 3.867 4.690 5.542 6.387 7.195 8.0565.516 8.131 7.251 7.983 8.511 705 1.401 2.126 2.821 3.526 4.278 5.027 5.788 6.545 7.328

504 8.122 7.244 7.976 8.503 704 1.399 2.123 2.821 3.524 4.271 5.023 5.768 6.540 7.328770 1.084 884 975 1.044 83 164 258 337 413 507 593 686 771 857

1.710 2.759 1.680 1.737 1.823 73 136 202 237 281 351 373 424 474 5393.025 4.280 4.680 5.264 5.637 548 1.100 1.662 2.247 2.830 3.413 4.058 4.658 5.295 5.932

354 164 118 145 163 18 32 52 72 95 126 150 194 199 2242.656 4.096 4.495 5.104 5.464 530 1.059 1.609 2.170 2.733 3.281 3.899 4.462 5.093 5.697

15 20 67 15 10 1 9 1 5 2 6 9 3 3 1011 8 7 7 8 1 1 3 - 3 7 4 20 6 - - - - - - - - - - - - - - - - - 8 2 2 2 - - - - - - - 15 - -

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

11 - - - - - - - - - - - - - - - - 12 12 21 1 1 2 4 4 9 23 45 91 1026 1 - - - - - - - 1 1 1 1 1 1

191 254 257 281 309 24 49 82 114 146 179 217 251 287 323249 213 226 252 278 44 86 127 155 189 223 273 302 271 302

4.661 6.626 5.953 6.570 7.205 456 952 1.538 2.076 2.604 3.255 3.833 4.423 4.992 5.6672.288 3.744 3.319 3.568 3.764 201 419 657 868 1.079 1.332 1.554 1.800 2.042 2.2812.286 3.744 3.318 3.562 3.764 201 418 657 868 1.079 1.332 1.554 1.796 2.042 2.281

72 53 41 43 46 3 6 8 11 14 18 21 23 25 21179 238 132 142 157 9 18 26 33 41 51 59 72 83 94

2.035 3.454 3.145 3.377 3.560 189 395 623 824 1.024 1.263 1.475 1.701 1.934 2.166620 1.058 899 964 1.002 51 112 179 235 290 350 411 473 542 606800 1.604 1.496 1.599 1.688 66 145 233 312 394 499 580 668 755 841464 614 578 622 655 57 107 159 206 257 306 358 408 462 51517 19 16 17 21 1 2 3 4 5 9 17 18 19 28

101 104 118 132 148 12 25 39 52 60 78 89 109 126 14333 55 39 43 46 1 4 11 14 18 21 20 24 30 332 - 1 6 - - - - - - - - 3 - - - - - - - - - - - - - - - - -2 - 1 - - - - - - - - - - - - - - - 6 - - - - - - - - 3 - -- - - 1 - - - - - - - - 1 - - - - - 3 - - - - - - - - - - -- - - 2 - - - - - - - - 2 - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -4 1 - - - - - - - - - - - - -

13 6 8 10 12 1 2 3 4 5 6 9 10 12 132.356 2.875 2.626 2.992 3.429 254 531 878 1.204 1.520 1.917 2.270 2.613 2.938 3.373

1.300 1.973 1.795 1.958 1.915 316 585 799 1.019 1.263 1.435 1.709 1.964 2.203 2.3891.963 2.957 2.331 2.508 2.690 152 314 479 646 811 1.014 1.192 1.374 1.567 1.8681.795 2.827 2.183 2.374 2.495 130 284 443 595 752 915 1.093 1.271 1.459 1.665

168 130 148 134 195 22 30 36 51 59 99 99 103 108 2031.098 1.806 1.713 1.851 1.732 300 548 747 955 1.181 1.363 1.612 1.845 2.074 2.325

Tabel 2.5 Laporan Laba / Rugi BPD

Des Des


2 0 0 3 2 0 0 4


19














Milyar Rp

6.197 4.745 3.370 3.638 3.895 325 649 995 1.297 1.718 2.046 2.390 2.751 3.106 2.9763.956 3.273 2.281 2.493 2.662 218 429 663 891 1.137 1.389 1.655 1.923 2.190 2.0643.697 3.164 2.218 2.425 2.592 213 418 647 869 1.110 1.355 1.613 1.875 2.135 2.017

919 1.060 689 749 760 60 123 188 255 316 371 408 456 509 420283 150 142 141 153 12 23 38 52 74 148 129 155 181 187

2.496 1.954 1.387 1.534 1.679 141 272 421 561 720 836 1.077 1.264 1.445 1.410267 61 54 60 71 7 13 20 28 36 41 74 88 101 90

2.091 1.727 1.220 1.350 1.475 125 241 370 487 616 701 882 1.028 1.173 1.127138 166 114 124 134 10 18 30 46 68 95 121 148 171 193259 109 64 69 70 6 11 17 22 27 34 41 48 54 48

- - - - - - - - - - - - - - -233 104 60 65 66 5 10 16 21 26 33 40 46 53 4626 5 3 3 4 - 1 1 1 1 1 1 1 1 11 5 3 3 3 - - - - - - - - 1 1 - - - - - - - 1 1 1 1 1 1 1 1

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

1.620 939 522 544 583 67 106 160 202 306 333 362 408 446 473448 369 348 378 417 36 80 120 160 201 246 292 335 381 360171 163 218 222 233 4 35 51 44 74 78 82 85 89 79

5.064 4.097 2.545 2.729 3.089 236 458 732 1.002 1.378 1.656 1.890 2.132 2.352 2.1832.196 1.372 923 1.009 1.068 83 162 254 345 456 577 687 804 920 8891.622 1.165 810 884 935 73 144 223 305 400 502 607 711 812 773

- - - - - - - - - - - - - - -346 271 172 186 194 14 27 43 62 87 116 144 175 203 216

1.276 895 638 698 741 59 117 180 243 312 386 463 535 609 557158 137 107 115 123 9 17 24 32 39 48 58 66 72 70935 687 463 510 539 45 90 138 182 227 273 319 364 411 34835 38 27 28 29 1 2 3 4 5 5 7 7 9 42 7 6 6 7 1 1 2 2 2 2 2 2 2 22 - - - - - - - - 1 - 1 1 1 1

144 26 36 40 43 4 7 13 24 39 58 77 96 114 132574 207 113 125 133 9 18 31 40 56 75 80 93 108 116

3 1 1 1 1 - - - - - - - - - -559 196 101 112 119 8 16 28 36 51 69 73 85 98 10612 9 11 12 13 1 2 3 4 5 6 7 8 10 107 2 1 1 1 - - - - 1 1 1 1 1 13 6 8 8 9 1 1 2 3 3 4 5 6 7 7 - - - - - - - - - - - - - - -1 - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - 2 2 2 - - 1 1 1 1 1 2 2 2- - - - 1 1 1 1 - - - - - - -

949 755 318 327 347 38 57 88 96 184 202 242 267 273 28186 37 29 31 34 3 5 10 14 16 20 24 27 31 32

1.833 1.933 1.275 1.362 1.639 111 233 379 547 722 857 937 1.034 1.128 981

1.133 648 825 909 806 89 191 263 295 340 390 500 619 754 793826 554 435 451 590 44 25 97 116 264 336 300 340 325 280165 231 101 104 112 11 16 33 45 108 125 100 133 165 144661 323 334 347 478 33 9 64 71 156 211 200 207 160 136

1.505 494 842 910 939 95 150 242 261 380 458 518 610 661 767

Tabel 2.6 Laporan Laba / Rugi Bank Campuran

Des Des

Milyar Rp


2 0 0 3 2 0 0 4


20















Milyar Rp

14.964 13.556 14.284 13.966 14.731 2.659 4.717 5.968 7.918 9.873 10.916 11.913 15.244 16.281 16.4817.582 6.899 5.256 5.750 6.351 571 1.068 1.639 2.138 2.672 3.178 3.736 4.315 4.960 5.1486.818 6.420 5.043 5.501 6.074 518 1.033 1.586 2.067 2.582 3.062 3.594 4.122 4.698 4.8451.451 1.579 856 950 1.034 78 153 247 348 455 534 599 664 724 721

859 312 197 204 231 96 191 298 371 435 485 551 645 701 7664.508 4.529 3.990 4.347 4.809 344 688 1.041 1.348 1.693 2.044 2.443 2.814 3.273 3.358

141 553 809 856 985 46 87 120 164 207 255 315 340 387 4474.289 3.802 2.976 3.263 3.572 276 558 854 1.098 1.377 1.658 1.968 2.288 2.673 2.749

78 174 205 227 253 22 43 67 86 109 130 160 186 213 162764 480 213 249 277 53 36 53 70 90 116 142 192 262 30319 9 4 3 3 - - 1 1 1 2 2 2 3 2

746 462 192 230 258 53 35 53 69 88 114 139 190 259 300 - 8 17 16 16 - - - - - - 1 1 1 1 - 8 17 16 16 - - - - - - 1 1 1 1- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- 26 75 59 66 116 565 630 839 694 683 744 798 901 955

5.789 4.581 6.873 5.889 5.872 1.605 2.711 3.110 4.173 5.534 5.868 6.028 8.506 8.592 8.5191.431 1.592 1.609 1.749 1.908 163 332 531 721 910 1.118 1.318 1.527 1.726 1.785

157 458 472 519 533 204 41 57 47 63 69 87 99 102 74

14.957 11.354 11.937 11.635 12.337 2.218 3.655 4.595 6.003 8.161 8.829 9.329 12.419 12.772 12.8633.957 3.356 2.009 2.093 2.299 178 338 511 661 830 1.028 1.196 1.395 1.591 1.6853.486 2.857 1.748 1.813 1.998 158 301 459 593 743 924 1.074 1.257 1.435 1.513

- 1 - - - - - - - - - - - - -457 367 180 216 251 13 28 39 48 58 78 94 133 144 163

3.029 2.490 1.568 1.597 1.746 145 273 420 545 685 846 980 1.125 1.291 1.350532 341 207 233 252 18 38 59 79 100 121 143 164 186 195

2.306 1.947 1.175 1.240 1.362 120 222 342 440 547 680 786 903 1.038 1.081151 132 67 122 130 7 13 19 25 31 37 44 50 57 62

- - - - - - - - - - - - - - -- - - - - - - - - 6 6 5 5 7 9

39 69 118 2 3 - - 1 1 1 2 2 2 3 3459 482 243 263 284 20 37 52 68 87 104 122 138 155 172436 462 232 250 270 19 35 49 64 81 97 114 129 144 161

7 2 1 1 2 - - - - 1 1 1 1 2 116 19 10 11 13 1 2 3 4 5 6 7 8 9 103 3 1 2 3 - - 1 1 1 1 1 1 2 2

12 15 8 9 10 1 2 2 3 4 5 6 6 7 81 1 - - - - - - - - - - - 1 1- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

12 16 17 17 17 - - - - - - - - - -4.449 3.262 6.105 5.134 5.099 1.573 2.516 2.866 3.778 5.178 5.239 5.100 7.538 7.404 7.449

60 100 147 160 179 17 33 51 71 92 116 145 171 203 1996.479 4.620 3.659 4.231 4.743 450 768 1.167 1.493 2.061 2.446 2.888 3.315 3.574 3.530

7 2.202 2.347 2.331 2.394 441 1.062 1.373 1.915 1.712 2.087 2.584 2.825 3.509 3.6183.288 2.630 1.502 1.544 1.657 218 250 599 496 1.104 1.066 1.311 1.637 1.474 1.4811.024 1.053 323 343 380 33 65 145 239 604 701 805 1.013 980 9552.264 1.577 1.179 1.201 1.277 185 185 454 257 500 365 506 624 494 5261.278 2.485 1.720 1.656 1.677 466 760 1.142 1.446 1.353 1.283 1.673 1.975 2.172 2.196

Tabel 2.7 Laporan Laba / Rugi Bank Asing

Des Des


2 0 0 3 2 0 0 4


21

Tagihan KomitmenFasilitas pinjaman yang belum ditarikPosisi pembelian spot yang masih berjalanLainnya

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

Tagihan KontinjensiGaransi yang diterimaPendapatan bunga dalam penyelesaianLainnya

Kewajiban KontijensiGaransi yang diberikanLainnya

LainnyaPenerusan KreditAktiva produktif yang dihapus bukukan

Milyar Rp

34.565 16.294 25.693 23.265 21.895 41.213 42.903 35.072 34.587 33.310 26.180 31.091 40.796 43.620 41.3176.466 4.106 2.776 2.825 3.336 2.962 3.278 2.976 2.931 3.224 3.052 3.507 7.342 4.164 4.3428.002 10.159 22.224 19.575 17.630 35.093 38.858 31.490 30.642 29.066 21.970 25.927 32.227 37.097 35.980

20.097 2.028 693 865 928 3.159 767 605 1.014 1.020 1.159 1.657 1.227 2.358 994

120.215 112.930 144.284 143.081 137.921 164.928 168.264 167.349 173.842 174.569 173.285 183.927 192.160 189.187 180.70570.548 81.076 106.709 106.542 102.997 113.794 113.192 118.961 124.036 125.975 127.602 135.356 133.971 130.449 122.392

1.026 181 156 190 148 195 190 192 259 183 165 205 208 214 28516.752 17.194 16.025 16.910 17.363 17.107 18.579 18.277 20.458 20.713 21.561 22.256 22.982 20.937 20.889

7.462 9.225 18.596 16.587 14.657 30.900 33.253 26.699 27.643 25.995 23.297 25.268 34.029 36.301 35.84924.427 5.254 2.798 2.852 2.757 2.932 3.050 3.221 1.446 1.702 659 842 971 1.285 1.290

23.088 36.262 24.764 29.104 24.287 29.317 29.123 35.331 35.726 37.125 39.032 39.826 50.949 49.876 65.4555.226 24.251 15.112 19.292 15.779 21.269 21.130 27.308 27.337 28.705 30.916 31.341 42.409 41.399 43.691

15.689 9.338 8.544 8.557 7.639 7.207 7.192 7.232 7.568 7.548 7.259 7.539 7.663 7.587 7.5342.172 2.674 1.108 1.255 869 842 801 790 821 871 858 945 877 889 14.231

31.297 38.733 28.014 28.800 28.291 28.009 28.495 27.596 28.037 29.051 30.915 30.016 31.631 30.971 31.87627.443 24.143 27.535 28.096 27.844 27.545 27.862 27.074 27.484 28.555 30.418 29.433 31.000 30.341 31.163

3.854 14.590 479 704 447 464 633 522 553 496 497 582 631 629 713

185.330 194.826 186.570 186.344 189.983 160.634 159.718 162.660 164.708 164.673 170.532 161.466 163.120 162.048 162.50442.603 39.230 36.671 37.417 36.681 36.717 36.270 36.530 36.460 37.194 37.291 36.532 36.911 36.534 36.428

142.727 155.596 149.898 148.927 153.302 123.917 123.448 126.131 128.248 127.479 133.240 124.934 126.209 125.514 126.076

Tabel 3.1 Rekening Administratif Bank Umum

Des Des


2 0 0 3 2 0 0 4


22






Milyar Rp

3.602 1.433 347 335 358 2.797 279 210 420 490 464 468 560 405 61398 173 2 2 22 36 18 11 10 11 7 21 5 5 128

3.048 1.092 186 164 162 186 156 126 52 110 64 41 107 31 107457 167 159 168 174 2.574 104 73 358 369 394 407 448 369 378

31.192 34.887 40.726 39.895 41.827 45.062 45.290 43.375 51.927 51.869 52.463 56.252 54.654 52.817 54.49214.123 19.932 28.626 27.740 28.262 31.789 31.336 31.051 38.739 38.666 38.750 41.768 39.823 39.762 41.135

195 105 39 66 38 79 82 82 129 76 67 72 89 99 1679.695 10.663 9.411 9.421 10.884 10.514 11.222 9.547 12.479 12.442 13.185 13.862 14.181 12.499 12.0253.444 1.161 169 166 164 185 154 149 48 110 26 112 107 31 4043.735 3.025 2.481 2.502 2.480 2.495 2.496 2.547 531 576 435 439 454 426 761

7.997 7.469 6.559 6.758 5.771 5.765 5.311 4.899 5.228 5.011 5.782 5.992 6.023 6.790 6.5281.006 894 2.068 2.088 2.170 2.245 1.808 1.352 1.529 1.473 2.096 2.202 1.972 2.732 2.5156.038 4.472 4.041 4.213 3.438 3.382 3.356 3.394 3.544 3.374 3.518 3.618 3.871 3.862 3.823

954 2.103 449 457 163 138 147 153 154 164 168 172 180 197 190

18.003 12.731 13.582 13.285 13.102 13.713 13.771 12.926 12.810 12.979 13.904 13.484 14.817 14.637 15.93015.799 12.699 13.521 13.258 13.098 13.682 13.733 12.873 12.755 12.905 13.869 13.419 14.745 14.554 15.7822.204 32 61 27 5 31 38 53 55 74 35 65 72 83 148

133.881 128.292 120.631 120.254 123.187 114.078 113.360 115.879 117.896 120.897 122.121 113.595 114.141 113.425 114.49238.367 34.810 32.225 32.843 32.175 32.160 31.963 32.116 32.033 32.741 32.834 32.124 32.452 32.076 31.92595.514 93.481 88.406 87.411 91.013 81.918 81.397 83.763 85.862 88.156 89.287 81.471 81.689 81.348 82.567

Tabel 3.2 Rekening Administratif Bank Persero

Des Des


2 0 0 3 2 0 0 4


23






Milyar Rp

7.893 2.030 3.466 3.187 2.341 3.600 4.285 4.668 5.213 5.574 3.492 4.372 3.828 5.855 4.715220 47 9 - - - - - 1 0 0 166 0 0 0

1.790 1.947 3.280 2.865 2.146 3.370 3.952 4.490 4.978 5.395 3.280 3.716 3.477 4.000 4.1985.883 36 178 322 195 230 333 179 233 179 212 490 350 1.855 518

30.135 31.542 44.907 46.672 40.481 47.472 46.636 49.345 50.366 51.239 52.207 56.073 57.484 55.344 57.83419.867 28.321 39.603 41.104 36.526 41.588 40.598 42.076 42.383 42.808 45.840 49.593 49.891 48.046 50.131

17 72 110 118 104 108 101 103 124 101 92 128 113 110 1121.979 1.946 2.695 3.196 2.512 2.796 2.814 3.954 3.342 3.146 3.282 3.164 3.744 3.252 3.7361.081 1.020 2.328 2.086 1.209 2.715 2.764 2.730 3.796 4.219 2.925 2.978 3.540 3.283 3.4827.192 184 170 169 129 264 359 482 722 966 67 210 196 654 374

3.782 1.622 1.596 1.544 1.452 1.606 1.547 1.576 1.614 1.667 1.690 1.784 1.694 1.594 15.08160 231 27 32 28 28 30 30 23 27 31 42 27 25 252

2.951 1.155 1.191 1.001 1.019 1.076 1.092 1.126 1.164 1.193 1.214 1.232 1.227 1.135 1.047771 237 379 511 405 502 424 419 426 446 445 509 440 433 13.782

3.241 17.454 4.719 5.607 5.445 5.020 5.140 4.996 5.256 5.195 5.434 5.424 5.354 5.138 5.0312.483 2.957 4.352 5.070 5.047 4.623 4.691 4.576 4.866 4.814 5.030 4.950 4.871 4.650 4.509

758 14.497 367 537 397 396 449 420 390 381 404 474 482 489 522

44.878 59.666 59.406 59.380 60.588 40.112 40.024 40.291 40.416 37.279 41.607 41.101 42.155 41.879 41.3932.525 2.528 2.507 2.517 2.508 2.507 2.551 2.536 2.534 2.554 2.556 2.506 2.558 2.560 2.601

42.353 57.138 56.899 56.862 58.080 37.605 37.473 37.754 37.883 34.725 39.051 38.595 39.597 39.318 38.792

Tabel 3.3 Rekening Administratif BUSN Devisa

Des Des


2 0 0 3 2 0 0 4


24






Milyar Rp

154 110 68 84 63 49 59 59 66 98 90 88 91 76 86123 78 32 32 32 17 17 20 17 35 38 38 38 34 38

- - - - - - - - - - - - - - -32 32 36 52 30 32 42 39 49 63 52 50 54 42 48

1.466 1.582 1.791 1.839 1.722 1.769 1.806 1.775 1.764 1.731 1.688 1.773 1.817 1.779 1.9331.344 1.534 1.742 1.773 1.678 1.714 1.736 1.705 1.690 1.678 1.640 1.728 1.764 1.745 1.885

1 2 3 3 3 3 3 3 3 2 3 3 3 3 32 12 7 6 7 18 20 25 19 5 11 11 16 8 14- 0 0 0 0 0 0 0 0 0 0 0 0 0 0

119 33 39 57 34 34 46 42 52 45 33 32 34 24 32

298 208 232 220 201 211 221 239 251 264 271 287 298 298 308- - - - - - - - - - - - - 1 -

155 191 230 217 200 208 218 232 248 261 266 279 291 293 303144 17 2 3 2 3 3 8 4 3 5 8 7 4 4

147 134 130 139 121 112 116 110 115 121 127 137 131 132 131112 105 102 104 103 95 96 94 97 101 110 118 115 114 11335 29 28 35 18 17 20 15 19 20 18 19 15 18 18

307 563 562 563 576 583 582 568 592 585 594 595 590 603 59849 45 43 43 42 43 43 43 43 43 42 42 42 42 42

258 518 519 520 534 540 540 525 550 543 551 553 548 560 556

Tabel 3.4 Rekening Administratif BUSN Non Devisa

Des Des


2 0 0 3 2 0 0 4


25






Milyar Rp

37 12 43 45 26 40 30 19 29 13 24 26 11 19 2237 12 22 22 22 22 22 10 10 10 10 10 10 10 10

- - - - - - - - - - 4 - - - -1 - 20 22 3 18 7 9 19 3 10 16 1 9 12

518 664 892 976 940 1.022 1.011 1.007 959 1.003 967 995 1.019 1.123 1.309514 660 866 949 930 992 987 993 935 993 951 967 1.010 1.106 1.287

2 3 4 4 3 4 4 4 4 4 3 3 3 3 31 - 1 1 4 3 3 1 1 2 4 9 4 4 6- - - - - - 9 - - - - - - - -1 1 21 23 4 22 8 9 19 3 10 16 1 9 12

791 681 566 566 599 559 582 564 604 587 590 785 586 627 712- 3 2 2 2 2 2 2 2 7 2 2 2 2 2

553 426 364 364 359 365 361 357 370 385 398 578 389 425 512238 251 200 200 238 192 219 206 232 195 190 205 195 200 198

360 719 931 860 768 606 626 676 718 877 1.030 1.033 1.073 1.056 1.054348 708 928 857 751 602 607 662 705 875 1.006 1.030 1.050 1.032 1.04612 19 3 3 17 4 19 14 14 2 25 3 23 25 7

4.160 4.194 4.389 4.558 4.283 4.493 4.253 4.371 4.426 4.374 4.401 4.362 4.330 4.346 4.2751.662 1.846 1.896 2.013 1.956 2.008 1.713 1.834 1.850 1.856 1.859 1.859 1.859 1.855 1.8592.498 2.348 2.493 2.544 2.327 2.485 2.540 2.537 2.576 2.518 2.542 2.503 2.471 2.490 2.416

Tabel 3.5 Rekening Administratif BPD

Des Des


2 0 0 3 2 0 0 4


26






Milyar Rp

9.255 5.817 4.438 3.585 4.578 4.518 4.570 4.395 4.488 5.320 4.977 6.135 7.317 5.834 5.7085.989 3.796 2.711 2.768 3.260 2.885 3.220 2.935 2.892 3.169 2.997 3.273 3.906 4.116 4.1661.140 404 1.426 517 801 1.330 1.086 1.161 1.253 1.756 1.494 2.172 3.059 1.652 1.5142.127 1.618 301 300 517 303 265 299 342 396 486 690 353 66 28

14.396 11.130 10.693 10.344 10.538 11.526 12.083 12.452 12.731 13.854 15.190 15.758 14.612 15.251 14.4507.785 6.647 7.396 7.582 7.847 8.335 8.724 9.032 9.238 9.772 9.912 10.788 10.195 11.030 10.416

810 - - - - - - - - - - - - - -2.123 2.276 1.933 2.026 1.960 1.921 2.051 2.058 2.044 2.189 2.265 2.139 2.394 2.453 2.3571.307 472 1.279 635 629 1.160 1.170 1.229 1.341 1.792 2.904 2.689 1.759 1.613 1.5772.371 1.736 87 101 102 110 138 134 108 101 109 142 264 155 100

4.645 20.948 7.684 11.217 7.798 10.930 10.868 11.337 10.943 10.696 11.508 12.853 13.235 12.176 14.5183.038 20.062 6.871 10.389 7.062 10.135 10.077 10.550 10.165 10.121 11.139 12.509 12.894 11.840 14.1851.565 864 789 799 729 789 785 783 775 571 366 341 337 333 330

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

3.125 2.345 3.342 3.364 3.214 3.205 3.200 3.080 3.194 3.326 3.836 3.582 3.806 3.678 3.7372.283 2.333 3.322 3.262 3.204 3.188 3.093 3.060 3.118 3.307 3.821 3.562 3.768 3.663 3.719

841 12 20 102 10 16 108 19 76 19 15 20 38 15 18

1.970 1.764 1.345 1.370 1.075 1.209 1.159 1.214 1.147 1.156 1.266 1.313 1.331 1.289 1.261- - - - - - - - - - - - - - -

1.970 1.764 1.345 1.370 1.075 1.209 1.159 1.214 1.147 1.156 1.266 1.313 1.331 1.289 1.261

Tabel 3.6 Rekening Administratif Bank Campuran

Des Des


2 0 0 3 2 0 0 4


27






Milyar Rp

13.623 6.891 17.332 16.029 14.530 30.210 33.679 25.720 24.371 21.815 17.133 20.001 28.989 31.431 30.172- - - - - - - - - - - - 3.384 - -

2.025 6.715 17.332 16.029 14.521 30.206 33.664 25.713 24.358 21.805 17.128 19.997 25.584 31.413 30.16111.598 175 - - 9 3 15 7 13 10 5 4 21 18 11

42.507 33.124 45.275 43.355 42.414 58.078 61.439 59.395 56.094 54.873 50.770 53.077 62.576 62.873 50.68726.915 23.982 28.476 27.395 27.753 29.376 29.811 34.105 31.050 32.059 30.510 30.513 31.289 28.760 17.538

- - - - - - - - - - - - - - -2.952 2.296 1.979 2.261 1.997 1.855 2.468 2.692 2.573 2.930 2.814 3.070 2.643 2.721 2.7521.630 6.572 14.820 13.700 12.655 26.840 29.156 22.591 22.458 19.874 17.442 19.490 28.623 31.375 30.387

11.009 275 - - 9 7 4 7 13 10 5 4 21 18 11

5.574 5.334 8.127 8.800 8.466 10.247 10.593 16.716 17.086 18.900 19.191 18.125 29.114 28.391 28.3091.122 3.061 6.144 6.782 6.517 8.858 9.212 15.374 15.618 17.077 17.647 16.586 27.514 26.799 26.7374.428 2.229 1.929 1.963 1.894 1.388 1.379 1.340 1.466 1.763 1.498 1.492 1.548 1.539 1.518

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

6.422 5.350 5.309 5.545 5.641 5.353 5.642 5.808 5.943 6.554 6.584 6.355 6.450 6.329 5.9936.418 5.348 5.309 5.545 5.641 5.353 5.642 5.808 5.943 6.554 6.584 6.355 6.450 6.329 5.993

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

134 348 236 220 274 160 339 337 231 381 542 498 573 508 486- - - - - - - - - - - - - - -

134 348 236 220 274 160 339 337 231 381 542 498 573 508 486

Tabel 3.7 Rekening Administratif Bank Asing

Des Des


2 0 0 3 2 0 0 4


28

CAR (%)- Modal- ATMR

KAPAPYD terhadap Aktiva Produktif (%)

- APYD- Total Aktiva Produktif

PPAPYD terhadap PPAPWD (%)- PPAPYD- PPAPWD

RentabilitasROA (%)

- Laba- Aktiva Rata-rata

BOPO (%)- Biaya Operasional- Pendapatan Operasional

LikuiditasRatio Kewajiban Bersih Antar Bank (%)

- KBAB- Modal Inti

LDR (%)- Kredit- Dana yang diterima

Milyar Rp

19,93 22,44 19,01 20,39 19,43 23,79 23,32 23,49 22,46 21,68 21,08 20,70 20,72 20,78 20,4483.675 103.602 101.540 109.536 112.395 128.980 127.738 130.168 127.076 127.836 126.677 125.065 128.451 130.454 130.116

419.752 461.757 534.205 537.270 578.386 542.215 547.858 554.199 565.887 589.760 600.848 604.165 619.905 627.914 636.542

4,61 3,61 3,58 3,90 3,59 3,54 3,63 3,60 3,70 3,59 3,52 3,56 3,55 3,49 3,4848.336 38.099 38.776 41.543 38.916 38.534 39.482 39.100 40.223 40.126 39.799 39.362 40.018 39.363 39.780

1.048.081 1.055.145 1.084.451 1.064.354 1.084.947 1.087.691 1.086.659 1.085.226 1.086.682 1.116.483 1.129.060 1.104.688 1.127.082 1.126.902 1.144.246163,39 175,21 189,36 177,27 167,58 178,34 172,04 162,51 172,31 170,82 167,77 169,02 170,97 172,32 172,9253.832 43.195 49.847 50.811 43.744 44.308 46.661 42.092 46.178 45.682 45.172 43.911 45.129 43.672 43.52932.946 24.653 26.324 28.663 26.103 24.844 27.123 25.901 26.799 26.742 26.926 25.979 26.395 25.344 25.173

1,45 1,96 2,24 2,21 2,63 2,59 2,35 2,71 2,83 2,57 2,67 2,71 2,80 2,96 2,9115.712 20.882 24.914 24.595 29.529 29.188 26.653 30.731 32.091 29.287 30.616 31.263 32.405 34.459 34.047

1.084.226 1.065.824 1.112.052 1.114.506 1.122.641 1.128.438 1.132.857 1.135.211 1.135.811 1.140.311 1.146.737 1.152.503 1.158.345 1.165.542 1.170.64998,41 94,76 90,30 91,31 88,10 90,39 92,81 90,38 89,88 90,47 90,25 82,81 85,93 83,61 84,82

146.351 150.498 165.866 175.902 127.865 130.493 135.651 130.220 129.140 128.735 124.539 120.679 97.461 94.088 95.907148.715 158.820 183.684 192.633 145.137 144.371 146.160 144.078 143.673 142.296 137.995 145.733 113.416 112.532 113.072

-80,81 -51,67 -47,43 -47,70 -50,55 -36,38 -36,25 -30,61 -25,05 -39,19 -34,58 -33,11 -27,05 -26,60 -26,17-55.770 -43.203 -37.300 -39.437 -44.196 -38.066 -37.574 -32.137 -25.655 -39.539 -34.576 -32.730 -27.192 -27.576 -26.99969.014 83.609 78.638 82.678 87.423 104.641 103.649 105.001 102.415 100.891 99.977 98.852 100.538 103.674 103.15233,01 38,24 42,90 44,14 43,52 42,39 42,88 43,70 44,92 45,56 46,39 46,81 47,87 48,13 49,13

316.059 371.058 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835957.417 970.371 995.027 992.841 1.012.278 1.034.094 1.028.609 1.028.417 1.023.242 1.045.379 1.059.237 1.054.676 1.066.734 1.077.329 1.080.426

Tabel 4.1 Kinerja Bank Umum

Des DesIndikator


2 0 0 3 2 0 0 4


29





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

19,39 21,71 15,79 19,46 18,21 24,47 24,24 24,68 22,85 21,92 21,90 21,80 22,22 22,09 21,9634.434 42.119 36.064 43.565 48.237 55.320 55.653 56.819 54.792 54.084 53.918 54.321 56.240 56.755 57.098

177.598 194.051 228.374 223.828 264.833 226.112 229.561 230.265 239.796 246.688 246.239 249.214 253.121 256.936 260.041

3,49 3,16 3,93 4,48 4,13 4,09 4,30 4,45 4,56 4,42 4,50 4,48 4,55 4,51 4,5117.636 15.586 19.242 21.162 19.643 19.354 20.383 21.015 21.649 21.223 21.608 20.891 21.611 21.313 21.648

505.960 493.486 489.784 472.477 475.455 473.023 474.267 471.750 475.256 480.388 479.738 466.370 474.775 472.196 480.263 260,41 264,13 237,10 206,24 182,28 198,54 192,78 170,67 191,72 193,44 187,15 193,37 195,87 195,39 194,5326.006 21.915 25.578 26.335 21.751 22.618 23.251 22.325 26.101 25.274 25.629 25.379 26.448 25.254 25.2819.987 8.297 10.788 12.769 11.932 11.392 12.061 13.081 13.614 13.066 13.695 13.125 13.503 12.925 12.996

0,99 2,00 2,25 2,07 2,67 2,71 2,49 2,73 2,87 2,22 2,38 2,39 2,50 2,82 2,625.266 10.143 11.442 10.520 13.668 13.824 12.683 13.914 14.478 11.187 11.963 11.958 12.450 14.036 12.975

532.177 507.737 508.891 507.772 511.166 510.112 509.505 508.900 503.786 502.941 501.711 500.462 498.149 496.889 494.303104,07 98,43 91,81 94,21 92,07 96,92 100,41 99,35 99,45 101,42 102,86 85,84 102,20 95,96 101,6772.733 75.155 89.504 102.164 56.592 58.184 60.981 59.088 58.736 58.647 57.826 55.510 30.151 28.980 29.75169.888 76.352 97.488 108.446 61.469 60.033 60.735 59.472 59.063 57.825 56.220 64.671 29.501 30.201 29.262

40,47 55,70 27,60 14,70 18,00 12,09 8,92 9,81 8,04 7,12 18,10 13,73 21,92 16,06 12,769.878 17.054 6.803 4.201 6.124 5.067 3.771 4.256 3.318 2.803 7.060 5.412 8.713 6.486 5.174

24.407 30.617 24.650 28.581 34.033 41.920 42.280 43.403 41.268 39.365 39.007 39.407 39.754 40.377 40.55126,56 34,46 40,89 42,26 41,59 40,40 40,97 42,16 42,98 44,35 45,66 46,33 47,61 47,73 48,66

121.496 150.632 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640457.490 437.149 421.947 418.431 425.932 436.085 434.066 433.461 430.166 431.366 431.943 427.956 428.764 431.428 432.915

Tabel 4.2 Kinerja Bank Persero

Des DesIndikator


2 0 0 3 2 0 0 4


30





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

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

120.453 150.128 179.201 185.240 185.018 185.418 186.186

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

332.667 357.024 377.473 379.896 395.646 396.453 392.878142,98 152,56 199,42 197,01 200,86 210,22 209,3610.500 9.381 14.454 14.407 12.368 12.516 12.6737.344 6.149 7.248 7.313 6.158 5.954 6.053

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

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

46.551 50.292 48.354 47.324 44.869 45.221 43.63148.699 51.846 52.543 52.112 51.797 51.357 50.897

-96,68 -70,93 -62,94 -68,01 -76,61 -58,44 -45,68-20.559 -21.935 -19.085 -20.824 -22.840 -20.351 -15.92421.266 30.927 30.323 30.619 29.814 34.823 34.85729,33 34,92 40,11 40,14 40,41 39,02 39,93

95.580 125.901 152.026 155.833 159.959 156.264 157.313325.895 360.529 378.982 388.237 395.838 400.498 393.925

Tabel 4.3 Kinerja BUSN Devisa

Des DesIndikator


2 0 0 3 2 0 0 4

22,2543.035

193.450

2,168.505

392.969190,48 11.013

5.782

2,339.666

415.34884,71

42.604 50.294

-32,99-11.51034.887

41,66165.272396.680

22,6043.079

190.632

2,098.265

395.805197,5110.9795.559

2,088.593

412.81286,37

43.85650,774

-47,79-16.44134.39940,26

160.217397.938

21,8844.340

202.639

2,298.721

402.938185,1811.3596.134

2,379.966

419.93484,25

42.12950.005

-39,08-13.76835.233

42,54172.841406.307

20,8843.851

210.019

2,098.666

415.219176,4911.1626.325

2,4610.460

424.93883,30

41.39349.692

-44,76-15.83535.38043,08

179.667417.020

20,0342.524

212.281

2,198.952

409.341170,4010.5346.182

2,5410.893

429.64781,86

40.06448.941

-40,09-13.74434.28143,08

179.467416.587

19,6643.030

218.903

2,14 8.898

415.495171,5110.6096.186

2,6311.430

434.86980,63

39.26848.704

-35,77-12.42834.74544,07

185.921421.859

19,5443.736

223.884

2,159.044

420.485175.4210.485

5.977

2,7111.920

440.31780,15

39.02148.684

-32,01-11.67736.485

44,68191.492428.629

19,1743.824

228.617

2,219.324

422.131179,3210.520

5.866

2,7112.078

445.34180,19

39.15348.828

-33,62-12.28036.529

45,74196.454429.460


31





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

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

11.706 13.864 17.912 18.317 18.369 18.523 16.757

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

15.720 18.569 2.141 21.185 22.040 21.885 19.382148,63 125,16 111,27 111,53 109,68 126,27 127,86

381 398 869 892 878 541 516256 318 781 800 801 428 403

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

16.674 19.357 22.482 22.647 23.203 23.268 22.16991,65 90,27 95,37 94,79 95,33 94,50 84,282.772 3.369 3.811 3.773 3.856 3.790 3.2003.024 3.732 3.996 3.981 4.044 4.011 3.797

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

2.138 2.037 2.151 2.147 2.209 2.809 2.63559,45 59,39 62,13 64,74 62,74 65,58 65,799.748 11.574 13.897 14.370 14.526 14.840 14.031

16.395 19.487 22.367 22.197 23.151 22.628 21.328

Tabel 4.4 Kinerja BUSN Non Devisa

Des Des

Milyar Rp

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

2 0 0 3 2 0 0 4

17,562.949

16.792

3,20623

19.478138,44

530383

2,94659

22.42383,843.1603.769

-29,19-772

2.64668,27

14.45821.177

17,722.980

16.813

3,31649

19.567133.24

539405

2,86628

21.98184,563.1663.744

-28,72-745

2.59367,62

14.45721.380

18,083.057

16.909

2,98583

19.586159,58

527330

2,96667

22.52883,093.1133.747

-23,67-650

2.74568,12

14.44321.202

19,593.327

16.981

2,89575

19.912159,54

534335

3,06692

22.61582,273.0563.715

-29,42-822

2.79366,49

14.48721.789

18,233.127

17.157

2,94601

20.447160,35

547341

3,10705

22.78781,403.0023.688

-38,41-1.0692.78465,51

14.69922.438

17,993.141

17.460

2,96609

20.536162,10

554342

2,92669

22.93282,633.0023.633

-34,58-970

2.80366,57

15.07822.651

17,943.156

17.590

2,97622

20.944155,04

633408

2,51580

23.10585,083.063 3.600

-34,04-954

2.80466,96

15.39622.993

17,533.194

18.225

2,95 621

21.023157.96

575364

2,73636

23.26383,382.9893.585

-38,11-1.0862.85167,29

15.49723.030


32





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

15,93 18,48 18,52 18,50 19,10 24,12 23,713.289 4.864 5.926 5.886 5.951 7.752 7.835

20.644 26.326 31.990 31.820 31.158 32.135 33.049

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

40.223 50.853 60.543 55.577 54.957 52.970 53.573122.12 122.79 119.37 120.27 118.87 123.23 124.78

747 889 941 1.019 879 866 883612 724 788 848 740 703 708

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

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

-602,66 -444,80 -246,48 -218,45 -224,96 -129,36 -102,60-16.993 -18.379 -13.020 -11.502 -12.073 -9.216 -7.389

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

15.396 21.498 28.997 29.362 28.348 29.292 29.89941.133 51.135 64.563 58.590 58.474 58.852 59.730

Tabel 4.5 Kinerja BPD

Des DesIndikator


2 0 0 3 2 0 0 4

22,487.752

34.481

1,30702

54.221122,18

917750

3,732.461

65.99975,717.2219.537

-84,76-6.0237.10654,00

31.82558.936

22,887.759

33.915

1,28702

54.784121,78

961789

3,502.306

65.94977,327.3699.530

-102,72-7.3157.12151,85

30.89059.574

21,407.609

35.564

1,41775

54.553119,76

963804

3,702.446

66.13175,897.2329.530

-84.67-5.8436.90154.98

32.77259.602

19,967.268

36.407

1,27757

59.479115,13

961834

4,002.652

66.36474,177.0759.540

-109,96-7.2086.55652,86

33.65863.679

19,017.026

36.957

1,31777

59.135117,97

989839

3,902.593

66.56374,607.1509.583

-102,93-6.5436.35754,32

34.38763.307

18,987.168

37.775

1,29796

61.799118,301.031

871

3,992.660

66,67773,947.1279.638

-99,13-6.4136.46953,91

35.14865.196

19,097.375

38.640

1,32796

60.248117,851.040

882

4,012.685

66.91873,697.0919.624

-113,16-7.5336.65754,61

35.94465.824

18,897.496

39.677

1,39 849

60.946117,901.076

912

4,102.744

67.00673,967.1459.660

-92,69-6.2906.78657,12

36.91764.635


33





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

23,71 31,40 32,49 32,36 32,65 34,56 34,307.543 7.950 8.670 8.784 8.837 9.391 9.345

31.810 25.322 26.690 27.143 27.066 27.172 -27.250

14,46 12,28 9,70 9,98 9,35 8,93 8,707.223 5.597 4.487 4.499 4.108 4.224 4.142

49.941 45.586 46.267 45.079 43.950 47.319 47.600111,23 113,73 107,23 109,29 109,77 106,72 109,825.225 4.116 3.299 3.296 3.070 3.121 3.0914.698 3.619 3.076 3.016 2.796 2.924 2.815

4,42 2,42 2,98 3,44 3,36 3,13 2,921.789 954 1.154 1.336 1.311 1.229 1.154

40.442 39.481 38.716 38.824 38.993 39.302 39.52981,75 86,64 82,12 76,49 79,15 79,89 80,745.066 4.111 3.343 3.068 3.142 3.164 3.2156.197 4.745 4.071 4.011 3.970 3.960 3.981

40,12 51,75 51,51 51 50,88 42,09 30,502.602 3.580 3.816 3.793 3.809 3.365 2.4356.485 6.918 7.408 7.404 7.486 7.993 7.98480,98 75,76 72,85 76,43 74,10 70,97 67,82

29.162 25.111 24.842 25.347 24.975 25.333 24.99536.010 33.145 34.099 33.164 33.706 35.693 36.853

Tabel 4.6 Kinerja Bank Campuran

Des Des

Milyar Rp

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

2 0 0 3 2 0 0 4

33,489.275

27.702

8,794.246

48.320108,893.0802.828

2,631.053

40.04782,443.1753.851

61,884.8637.85970,02

25.58436.536

34,159.282

27.183

8,714.184

48.013110,112.9692.696

2,24 889

39.60587,543.4553.946

48,483.8167.87168,37

25.10536.721

31,009.284

29.944

7,844.173

52.464110,312.9972.717

2,651.077

40.60583,763.2383.865

47,253.6997.83068,55

26.99039.374

26,699.256

31.175

7,463.885

52.072114,842.6942.346

2,581.070

41.48684,513.2723.872

50,513.9797.87769,24

27.55439.794

29,999.299

31.013

7,413.713

50.069115,752.5892.237

2,28962

42.23886,963.4163.928

63,315.0257.93771,11

27.66138.899

29,019.370

32.303

7,49 3.830

51.151116,34 2.628 2.259

2,32995

42.96385,843.4354.001

61,584.9147.98072,93

28.78539.469

29,489.390

31.849

6,863.565

51.946118,71 2.4772.086

2,16943

43.63885,403.4294.015

59.704.7788.00370,11

28.46440.601

29,529.443

31.988

6,573.495

53.213117,272.3902.038

2,491.102

44.25580,233.2704.076

63,965.1508.05270,96

29.16941.106


34





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

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

57.541 52.066 50.037 50.922 51.941 52.855 53.280

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

103.570 89.627 89.243 90.140 92.635 96.040 96.316109,18 117,11 129,21 124,09 130,51 134,93 134,5810.973 6.494 4.707 4.862 4.798 4.646 4.53310.050 5.545 3.643 3.918 3.676 3.443 3.368

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

92.386 85.651 82.792 82.968 83.494 84.231 85.02697,24 80,40 81,31 80,55 81,94 81,46 80,85

14.532 10.892 13.315 12.030 12.067 12.861 13.59414.945 13.547 16.376 14.936 14.728 15.788 16.814

-255,42 -257,28 -172,23 -167,34 -221,45 -168,92 -182,13-30.389 -23.099 -15.197 -14.495 -18.852 -16.844 -18.38011.897 8.978 8.824 8.662 8.513 9.972 10.09255,50 52,73 47,32 50,56 47,28 45,36 44,38

44.677 36.341 34.578 36.513 35.545 36.438 35.70280.493 68.925 73.069 72.222 75.177 80.339 80.441

Tabel 4.7 Kinerja Bank Asing

Des DesIndikator


2 0 0 3 2 0 0 4

17,279.076

52.554

4,674.459

95.411130,83

4.4843.427

5,224.522

86.66678,23

13.23416.916

-182,75-15.472

8.46646,57

36.62878.652

18,5010.24855.392

4,504.287

95.307128,104.3193.372

5,12 4.40185.96479,98

13.28716.611

-163,40-15.708

9.61445,34

35.97179.344

16,319.462

58.017

4,374.651

106.555123,58

4.5623.692

4.473.945

88.17282.98

14.37617.324

-292,38-25.780

8.81743,24

37.85187.527

15.099.057

60.027

4.204.308

102.640123.624.1923.391

4.223.779

89.62379.67

11.91714.957

-260,06-21.749

8.36345,64

38.79785.012

15,248.768

57.544

4,464.430

99.327118,923.8723.256

4,574.151

90.80477,32

11.53814.922

-269,69-21.810

8.08745,79

39.14685.488

15,759.502

60.343

4,144.274

103.326119,323.8603.235

4,534.201

92.75480,71

14.47917.941

-239,11-21.009

8.78646,79

41.54788.796

17,0210.04259.015

3,984.024

101.084123,473.7843.065

4,544.295

94.67576,20

12.50416.409

-199,77-18.676

9.34947,04

41.32287.853

16,828.081

48.039

3,833.656

95.406123,933.5132.835

1,944.286

86.83077,08

12.92316.767

-233,44-17.482

7.48943,20

34.44879.746


35

Net Interest Margin

Bank Persero

BUSN Devisa

BUSN Non Devisa

Bank BPD

Bank Campuran

Bank Asing

Bank Umum

Persen

3,35 3,80 5,00 4,87 4,53 5,72 5,59 5,98 5,96 5,92 6,00 6,00 5,97 5,97 6,19

3,21 3,95 4,44 4,51 4,60 5,44 5,44 5,49 5,55 5,53 5,46 5,44 5,42 5,38 5,37

5,33 5,89 7,08 7,28 7,40 8,99 9,63 9,72 9,68 9,90 9,65 9,51 9,33 9,01 6,27

7,97 9,45 8,34 8,52 8,42 11,42 11,06 10,93 10,87 10,87 10,73 10,72 10,62 10,58 10,59

4,14 4,09 3,61 3,59 3,54 3,42 3,38 3,43 3,43 3,35 3,29 3,36 3,38 3,39 2,81

4,18 3,74 4,45 4,55 4,60 4,91 4,55 4,71 4,63 4,51 4,36 4,41 4,41 4,51 4,19

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

Tabel 4.8 Rasio Kinerja Lainnya

Des DesIndikator


2 0 0 3 2 0 0 4


36

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Total

Milyar Rp


2 0 0 3

533.435 516.557 528.349 501.234 556.125 499.523 497.650 494.231 491.253 497.241 492.434 488.510 489.657 495.636 495.062

365.932 393.938 413.885 424.214 436.214 434.114 431.556 433.472 432.374 444.132 454.645 456.099 463.135 469.307 472.329

17.971 20.963 24.649 24.899 25.494 25.374 23.935 22.787 23.762 22.858 23.162 23.819 24.060 24.411 24.601

47.117 58.178 69.898 65.078 66.418 63.195 64.152 64.468 63.807 64.753 68.959 68.656 71.352 71.799 70.929

42.738 39.347 41.235 40.028 39.292 42.196 42.118 42.840 42.927 46.996 47.351 46.342 46.500 47.377 48.263

92.506 83.221 85.740 86.775 89.975 92.748 93.294 92.155 91.124 103.451 99.174 99.365 104.501 104.564 107.171

1.099.699 1.112.204 1.163.758 1.142.228 1.213.518 1.157.152 1.152.703 1.149.953 1.145.247 1.179.431 1.185.725 1.182.791 1.199.206 1.213.095 1.218.354

Tabel 5.1 Perkembangan Aset

Des DesKelompok Bank

2 0 0 4


37

Tabel 5.2 Bank Umum Berdasarkan Total Aset

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

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

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

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

Bank Campuran 11 13 0 0 11 13 0 0 6 14 0 0 7 13 0 0 5 13 0 0

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

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

Kelompok Bank

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

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


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


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


38

Tabel 5.3 Peringkat Bank Berdasarkan Aset

Milyar Rp

1 PT Bank Mandiri 264.838 24,08 PT Bank Mandiri 252.669 22,72 PT Bank Mandiri 268.474 23,07 PT Bank Mandiri 293.205 24,16 PT Bank Mandiri Tbk 229.196 18,812 PT Bank Negara Indonesia Tbk 148.988 13,55 PT Bank Negara Indonesia Tbk 126.059 11,33 PT Bank Negara Indonesia Tbk 132.000 11,34 PT Bank Central Asia Tbk 132.797 10,94 PT Bank Central Asia Tbk 145.593 11,953 PT Bank Central Asia Tbk 102.218 9,30 PT Bank Central Asia Tbk 116.943 10,51 PT Bank Central Asia Tbk 124.780 10,72 PT Bank Negara Indonesia Tbk 131.890 10,87 PT Bank Negara Indonesia Tbk 130.447 10,714 PT Bank Rakyat Indonesia 81.774 7,44 PT Bank Rakyat Indonesia 104.126 9,36 PT Bank Rakyat Indonesia 96.644 8,30 PT Bank Rakyat Indonesia 99.216 8,18 PT Bank Rakyat Indonesia 102.876 8,445 PT Bank Danamon Indonesia Tbk 52.540 4,78 PT Bank Danamon Indonesia Tbk 47.431 4,26 PT Bank Danamon Indonesia Tbk 48.261 4,15 PT Bank Danamon Indonesia Tbk 52.752 4,35 PT Bank Danamon Indonesia Tbk 55.418 4,556 PT Bank Internasional Indonesia Tbk 33.431 3,04 PT Bank Internasional Indonesia Tbk 36.175 3,25 PT Bank Internasional Indonesia Tbk 36.015 3,09 PT Bank Internasional Indonesia Tbk 34.600 2,85 PT Bank Internasional Indonesia Tbk 34.958 2,877 PT Bank Tabungan Negara 26.593 2,42 PT Bank Permata Tbk 29.259 2,63 PT Bank Permata Tbk 27.840 2,39 PT Bank Permata Tbk 29.082 2,40 PT Bank Permata Tbk 30.960 2,548 Citibank N.A 25.879 2,35 PT Bank Tabungan Negara 27.373 2,46 PT Bank Tabungan Negara 26.819 2,30 PT Bank Tabungan Negara 26.866 2,21 PT Bank Niaga 27.482 2,269 PT Lippo Bank Tbk 24.032 2,19 Citibank N.A 24.653 2,22 PT Lippo Bank Tbk 26.100 2,24 PT Lippo Bank Tbk 26.418 2,18 PT Lippo Bank Tbk 27.220 2,2310 PT Bank Niaga. Tbk 22.997 2,09 PT Lippo Bank Tbk 24.466 2,20 Citibank N.A 23.133 1,99 Citibank N.A 23.746 1,96 PT Bank Tabungan Negara 26.686 2,19

Total 783.290 71,23 Total 789.154 70,95 Total 810.066 69,61 Total 850.570 70,09 Total 810.835 66,55

PeringkatDesember 2001 Desember 2003

Nama BankTotalAset

Pangsa thdTotal Aset Bank

Umum (%)Nama Bank

TotalAset


Umum (%)Nama Bank

TotalAset


Umum (%)Nama Bank

TotalAset


Umum (%)Nama Bank

TotalAset


Umum (%)

Desember 2002 Oktober 2003 Oktober 2004


39

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

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

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

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

Milyar Rp


2 0 0 3

1.048.081 1.055.145 1.084.451 1.064.354 1.084.947 1.087.691 1.086.659 1.085.226 1.086.682 1.116.483 1.129.060 1.104.688 1.127.082 1.126.902 1.144.246955.955 974.963 999.961 975.069 1.000.444 1.004.801 1.002.136 1.001.982 1.002.664 1.031.452 1.045.605 1.021.007 1.041.671 1.040.889 1.056.227

47.292 46.503 50.517 52.793 48.850 47.697 48.534 49.090 47.738 48.711 46.974 48.081 49.941 51.546 54.11512.266 10.896 12.613 13.204 15.178 14.118 13.793 11.588 12.041 13.494 13.809 13.367 13.040 13.441 12.7098.881 8.234 6.079 6.176 5.442 6.098 6.979 6.132 7.880 6.498 6.086 6.300 5.670 5.075 5.196

23.686 14.549 15.281 17.111 15.033 14.977 15.218 16.434 16.358 16.328 16.586 15.933 16.760 15.950 16.000

44.833 33.679 33.973 36.491 35.653 35.193 35.990 34.154 36.279 36.320 36.481 35.600 35.470 34.466 33.9054,28 3,19 3,13 3,43 3,29 3,24 3,31 3,15 3,34 3,25 3,23 3,22 3,15 3,06 2,96

316.059 371.058 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835231.739 299.735 349.933 356.729 365.252 363.250 365.317 374.294 385.344 399.508 416.692 419.624 435.058 441.766 451.400

45.664 43.484 48.463 50.177 45.388 45.602 45.499 46.983 45.480 46.217 44.270 44.294 45.833 47.811 50.81511.815 8.928 10.826 11.332 12.861 11.981 11.655 9.444 9.910 11.178 11.484 11.012 10.862 11.390 10.6538.443 7.655 5.902 5.999 4.991 5.441 6.323 5.489 5.738 5.853 5.437 5.650 5.224 4.646 4.778

18.397 11.256 11.757 14.007 12.013 12.051 12.249 13.168 13.138 13.471 13.505 13.068 13.644 12.914 13.188

38.655 27.839 28.485 31.338 29.865 29.473 30.227 28.101 28.786 30.502 30.426 29.730 29.730 28.950 28.61912,23 7,50 6,67 7,15 6,78 6,72 6,85 6,25 6,26 6,40 6,19 6,02 5,82 5,58 5,39

Tabel 6.1 Aktiva Produktif Bank Umum

Des Des 2 0 0 4


40





Milyar Rp


2 0 0 3

505.960 493.486 489.784 472.477 475.455 473.023 474.267 471.750 475.256 480.388 479.738 466.370 474.775 472.196 480.263462.791 453.941 443.464 424.706 431.113 430.174 429.634 426.344 429.895 435.030 434.760 422.240 429.218 426.235 432.566

29.921 27.336 30.698 29.938 27.499 26.241 27.004 27.808 26.224 26.503 25.397 25.652 27.001 27.216 29.4394.927 5.082 7.031 7.189 7.069 6.214 6.162 5.654 5.840 7.092 7.275 6.607 6.153 7.490 6.9552.628 3.665 2.153 2.245 2.161 2.831 3.663 2.832 4.498 2.842 2.738 2.792 2.475 1.966 1.9725.692 3.462 6.437 8.399 7.613 7.563 7.804 9.112 8.799 8.920 9.568 9.080 9.928 9.289 9.332

13.247 12.209 15.621 17.833 16.843 16.608 17.629 17.598 19.137 18.854 19.581 18.479 18.556 18.745 18.2592,62 2,47 3,19 3,77 3,54 3,51 3,72 3,73 4,03 3,92 4,08 3,96 3,91 3,97 3,80

121.496 150.632 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.64083.633 115.282 130.661 133.503 138.440 137.690 138.336 142.255 145.851 150.429 157.103 158.871 163.898 165.231 167.90729.034 26.259 29.818 28.688 25.747 25.712 25.713 27.090 25.513 25.729 24.455 24.675 25.374 25.518 27.909

4.734 4.197 6.148 6.317 5.703 5.022 4.974 4.429 4.629 5.812 5.962 5.336 4.977 6.403 5.8682.549 3.298 2.153 2.237 1.792 2.267 3.106 2.279 2.468 2.297 2.184 2.234 2.117 1.613 1.6291.546 1.594 3.762 6.075 5.455 5.468 5.690 6.684 6.418 7.062 7.521 7.173 7.775 7.145 7.328

8.829 9.089 12.063 14.629 12.950 12.757 13.770 13.392 13.515 15.171 15.667 14.743 14.869 15.161 14.8257,27 6,03 6,99 8,27 7,31 7,24 7,74 7,33 7,31 7,93 7,94 7,44 7,28 7,36 7,04

Tabel 6.2 Aktiva Produktif Bank Persero

Des Des 2 0 0 4


41





Milyar Rp


2 0 0 3

332.667 357.024 377.473 379.896 395.646 396.453 392.878 395.805 392.969 402.938 415.219 409.341 415.495 420.485 422.131311.820 339.063 358.667 359.167 375.336 376.291 372.437 377.314 374.190 383.633 396.418 390.009 395.889 400.288 401.22210.349 9.855 10.274 12.289 10.780 10.946 11.281 11.080 11.050 11.487 10.784 11.044 11.480 12.210 12.8672.600 2.173 2.647 2.920 5.116 4.760 4.513 2.942 3.049 2.887 3.101 3.131 3.218 2.990 2.8081.958 1.860 2.022 2.083 1.693 1.739 1.802 1.782 1.845 2.101 1.986 2.122 1.958 2.002 2.1255.941 4.073 3.863 3.436 2.722 2.717 2.844 2.687 2.834 2.830 2.930 3.034 2.950 2.995 3.109

10.499 8.106 8.532 8.439 9.531 9.216 9.159 7.411 7.728 7.818 8.017 8.287 8.126 7.987 8.0423,16 2,27 2,26 2,22 2,41 2,32 2,33 1,87 1,97 1,94 1,93 2,02 1,96 1,90 1,91

95.580 125.901 152.026 155.833 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.45475.388 109.073 134.251 136.117 140.684 137.106 137.895 142.448 147.234 154.292 161.595 161.171 167.307 172.378 176.23910.321 9.494 9.953 11.945 10.439 10.589 10.906 10.958 10.922 11.335 10.656 10.604 11.093 11.717 12.7612.580 2.142 2.592 2.869 5.057 4.712 4.464 2.926 3.025 2.865 3.081 3.115 3.203 2.973 2.7921.957 1.769 1.915 1.980 1.677 1.723 1.785 1.764 1.821 2.078 1.966 2.098 1.931 1.977 2.1015.334 3.423 3.315 2.923 2.102 2.134 2.261 2.121 2.270 2.272 2.368 2.479 2.388 2.446 2.562

9.871 7.334 7.822 7.772 8.836 8.569 8.510 6.811 7.116 7.215 7.415 7.692 7.522 7.396 7.45510,33 5,83 5,15 4,99 5,52 5,48 5,41 4,25 4,31 4,17 4,13 4,29 4,05 3,86 3,79

Tabel 6.3 Aktiva Produktif BUSN Devisa

Des Des 2 0 0 4


42





Milyar Rp


2 0 0 3

15.720 18.569 21.141 21.185 22.040 21.885 19.382 19.567 19.478 19.586 19.912 20.447 20.536 20.944 21.02315.046 17.680 20.048 19.943 20.892 20.535 18.152 18.341 18.327 18.481 18.844 19.305 19.357 19.773 19.827

250 428 539 711 618 697 590 580 509 497 486 555 596 569 612117 136 170 147 170 254 261 244 249 255 196 202 212 203 19669 5 66 64 59 59 59 86 86 88 124 97 66 79 76

238 266 319 320 301 341 321 317 307 265 262 288 304 319 313

424 407 555 531 530 654 641 647 642 608 582 587 582 601 5852,70 2,19 2,63 2,51 2,40 2,99 3,31 3,31 3,30 3,10 2,92 2,87 2,83 2,87 2,78

9.748 11.574 13.897 14.370 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.4979.082 10.698 12.815 13.139 13.382 13.494 12.806 13.240 13.316 13.347 13.425 13.564 13.905 14.245 14.314

250 418 532 704 618 696 589 575 504 492 486 555 595 569 612117 136 167 144 167 251 257 240 246 255 196 202 212 203 19669 59 66 64 59 59 59 86 86 85 121 94 63 75 73

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

415 458 550 527 526 649 635 642 638 604 576 581 578 581 5724,26 3,96 3,96 3,67 3,62 4,37 4,53 4,44 4,41 4,18 3,98 3,95 3,83 3,77 3,69

Tabel 6.4 Aktiva Produktif BUSN Non Devisa

Des Des 2 0 0 4


43





Milyar Rp


2 0 0 3

40.223 50.853 60.543 55.577 54.957 52.970 53.573 54.784 54.221 54.553 59.479 59.135 61.799 60.248 60.94639.434 50.000 59.432 54.121 53.953 51.705 52.343 53.503 52.887 53.089 58.130 57.755 60.424 58.834 59.392

239 393 509 776 509 685 626 613 667 706 604 619 574 633 73484 106 187 180 142 182 185 185 198 256 210 206 227 206 22093 61 124 126 101 110 113 109 130 126 136 142 139 166 182

373 293 292 374 253 288 306 374 339 376 399 413 435 410 419

550 460 603 680 496 580 604 668 667 758 745 761 801 782 8211,37 0,90 1,00 1,22 0,90 1,09 1,13 1,22 1,23 1,39 1,25 1,29 1,30 1,30 1,35

15.396 21.498 28.997 29.362 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.91714.678 20.795 27.888 28.010 27.447 28.130 28.673 29.642 30.495 31.312 32.313 33.010 33.777 34.534 35.366

239 286 509 676 409 585 626 583 667 705 604 619 574 633 73482 104 187 179 141 181 184 184 197 255 210 206 227 205 21990 61 124 126 101 110 113 108 130 126 136 142 139 166 181

308 251 289 371 250 285 303 371 336 373 396 410 432 407 417

480 416 600 676 492 576 600 663 663 754 742 758 798 778 8173,12 1,94 2,07 2,30 1,74 1,97 2,01 2,15 2,08 2,30 2,20 2,20 2,27 2,16 2,21

Tabel 6.5 Aktiva Produktif BPD

Des Des 2 0 0 4


44





Milyar Rp


2 0 0 3

49.941 45.586 46.267 45.079 43.950 47.319 47.600 48.013 48.320 52.464 52.072 50.069 51.151 51.946 53.21337.658 35.341 37.627 36.317 35.760 39.014 39.383 39.479 39.843 43.864 43.569 41.967 42.716 43.882 45.286

4.583 4.517 4.369 4.507 4.374 4.332 4.306 4.710 4.562 4.698 4.979 4.649 4.871 4.795 4.6702.280 1.821 1.328 1.395 1.345 1.419 1.437 1.361 1.350 1.546 1.516 1.573 1.665 1.582 1.6421.935 1.398 849 743 518 492 509 544 542 528 503 465 480 446 4363.484 2.508 2.094 2.117 1.953 2.062 1.965 1.918 2.024 1.829 1.505 1.415 1.419 1.241 1.179

7.699 5.727 4.271 4.255 3.816 3.973 3.911 3.823 3.916 3.903 3.524 3.453 3.564 3.269 3.25715,42 12,56 9,23 9,44 8,68 8,40 8,22 7,96 8,10 7,44 6,77 6,90 6,97 6,29 6,12

29.162 25.111 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.16917.732 16.364 17.465 17.839 17.980 18.248 18.068 17.921 18.499 19.910 20.534 21.095 21.935 21.953 22.707

4.108 4.071 4.034 4.169 4.011 3.992 3.937 4.281 4.115 4.213 4.497 4.137 4.331 4.253 4.1852.164 1.011 601 654 671 702 702 624 604 712 725 747 816 748 8191.839 1.386 818 714 490 462 482 519 502 516 489 450 465 436 4253.320 2.280 1.924 1.970 1.823 1.929 1.807 1.760 1.864 1.639 1.310 1.232 1.239 1.075 1.033

7.323 4.677 3.343 3.338 2.984 3.093 2.991 2.903 2.970 2.867 2.524 2.429 2.520 2.259 2.27725,11 18,63 13,46 13,17 11,95 12,21 11,97 11,56 11,61 10,62 9,16 8,78 8,75 7,94 7,81

Tabel 6.6 Aktiva Produktif Bank Campuran

Des Des 2 0 0 4


45





Milyar Rp


2 0 0 3

103.570 89.627 89.243 90.140 92.635 96.040 96.316 95.307 95.411 106.555 102.640 99.327 103.326 101.084 95.40689.206 78.937 80.724 80.815 83.127 87.083 87.710 87.001 86.604 97.355 93.885 89.731 94.068 91.878 87.2621.951 3.974 4.127 4.571 5.070 4.796 4.594 4.298 4.634 4.821 4.724 5.560 5.419 6.123 5.2872.258 1.578 1.249 1.373 1.336 1.290 1.228 1.202 1.355 1.457 1.510 1.648 1.564 970 8672.197 1.191 865 916 909 866 829 780 779 814 599 683 552 416 3597.958 3.947 2.277 2.465 2.192 2.006 1.955 2.026 2.039 2.107 1.923 1.704 1.723 1.696 1.631

12.413 6.716 4.391 4.754 4.437 4.162 4.012 4.008 4.173 4.378 4.032 4.035 3.839 3.082 2.85711,99 7,49 4,92 5,27 4,79 4,33 4,17 4,21 4,37 4,11 3,93 4,06 3,72 3,05 2,99

44.677 36.341 34.578 36.513 35.545 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 34.44831.226 27.521 26.852 28.121 27.303 28.582 28.420 28.787 29.095 30.218 31.722 31.912 34.236 33.425 27.7351.713 2.955 3.616 3.995 4.164 4.027 3.595 3.496 3.668 3.743 3.572 3.705 3.866 5.121 4.1092.139 1.338 1.132 1.170 1.123 1.113 1.066 1.040 1.208 1.279 1.310 1.406 1.427 858 7391.938 1.082 827 879 872 819 774 732 730 752 542 633 510 378 3367.661 3.445 2.151 2.349 2.083 1.897 1.847 1.915 1.928 1.860 1.650 1.489 1.508 1.538 1.529

11.738 5.865 4.110 4.398 4.078 3.829 3.687 3.687 3.866 3.891 3.502 3.528 3.445 2.774 2.60426,27 16,14 11,89 12,05 11,47 10,51 10,33 10,25 10,55 10,28 9,03 9,01 8,29 6,71 7,56

Tabel 6.7 Aktiva Produktif Bank Asing

Des Des 2 0 0 4


46

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

Jumlah Bank

Tabel 7.1 Pengelompokkan Bank Berdasarkan Rasio NPL

Desember 2001 Desember 2002 Oktober 2003 Desember 2003

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Total

3 2 1 4 2 3 2 3 2 3

21 17 24 12 29 7 29 7 29 7

32 10 32 8 33 7 34 6 33 6

19 7 22 4 24 2 25 1 22 4

4 20 9 15 7 13 7 12 6 12

1 9 2 8 3 7 3 7 6 5

80 65 90 51 98 39 100 36 98 37

Kelompok Bank Oktober 2004

Ket: - Jumlah Bank Campuran pada Oktober 2004 sebanyak 19 Bank, data yang tersedia sebanyak 18 Bank


47

1. Pertanian, perburuan dan sarana pertanian

2. Pertambangan

3. Perindustrian

4. Listrik, gas dan air

5. Konstruksi

6. Perdagangan, restoran dan hotel

7. Pengangkutan, pergudangan dan komunikasi

8. Jasa Dunia usaha

9. Jasa sosial/masyarakat

10. Lain-lain

Milyar Rp


2 0 0 3

3.945 3.074 2.270 2.117

541 310 288 295

20.170 14.335 13.660 13.106

126 568 672 328

1.211 890 909 758

5.453 3.950 4.652 4.911

1.058 261 1.121 1.162

3.570 2.000 2.729 2.057

225 123 2.073 2.084

2.354 2.327 2.965 3.046

Tabel 7.2 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi

Des DesSektor Ekonomi

2004

2.185 2.172

290 271

11.506 11.792

333 297

846 688

5.922 6.279

1.175 1.177

2.081 2.147

2.122 2.134

3.014 3.271

2.149

266

9.762

302

789

5.748

1.093

2.239

2.218

3.534

2.177

241

14.231

439

749

4.966

1.462

2.151

456

3.630

2.118

276

12.240

352

761

5.587

1.304

2.129

427

3.592

2.455

225

14.498

389

794

4.778

1.472

2.382

416

3.014

2.379

213

14.053

369

620

4.635

1.514

2.396

430

3.121

2.379

213

14.053

369

620

4.635

1.514

2.396

430

3.121

2.314

168

13.783

378

629

4.609

1.752

2.462

461

3.173

2.283

159

12.921

310

595

5.274

1.781

2.077

446

3.104

2.553

167

12.131

308

589

5.291

1.714

2.274

433

3.158


48


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

1.653 1.152 1.291 1.199 975 991

285 72 88 52 47 47

3.601 4.681 5.380 5.924 4.994 3.907

18 85 9 5 1 6

393 277 672 656 568 576

1.320 1.450 2.075 2.170 1.963 2.951

65 139 598 578 573 560

724 207 637 908 415 436

23 30 245 1.965 1.982 2.008

745 995 1.066 1.172 1.431 1.276

Tabel 7.3 Non Performing Loan Bank Persero Berdasarkan Sektor Ekonomi


2004

1.062

27

3.964

11

443

3.202

477

456

2.091

1.659

1.039

33

4.489

9

437

3.291

562

439

2.005

1.466

1.186

37

8.288

57

377

2.289

570

317

346

1.705

1.077

33

6.139

57

404

3.015

472

331

312

1.676

1.413

21

8.803

2

438

2.410

574

376

321

1.309

1.376

19

8.178

2

268

2.213

614

365

335

1.375

1.337

18

8.130

2

227

2.191

840

390

360

1.374

1.424

11

7.719

-

238

2.899

881

350

343

1.296

1.671

29

6.978

-

246

2.938

800

524

334

1.303


49


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

856 1.159 669 621 837 877

126 56 66 125 141 136

3.580 2.310 2.560 2.464 3.161 2.773

31 433 623 625 286 287

443 271 69 71 61 74

1.770 1.158 1.256 1.334 2.020 2.068

666 50 500 489 532 546

2.002 1.409 1.349 1.278 1.181 1.126

37 17 40 46 52 52

363 473 689 717 566 631

Tabel 7.4 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi


2004

763

132

1.202

291

163

1.654

554

1.287

67

698

810

132

2.571

287

75

2.169

545

1.213

47

678

673

156

1.173

314

168

1.820

824

1.282

56

748

717

135

1.235

295

161

1.712

765

1.302

74

721

733

154

1.372

318

148

1.617

833

1.449

61

732

701

145

1.620

310

153

1.672

833

1.422

71

766

662

99

1.524

318

161

1.601

844

1,450

79

783

552

97

1.632

308

151

1.590

836

1.342

64

825

560

89

1.657

305

138

1.599

839

1.367

61

841


50


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

41 15 56 57 52 56

3 - - - 1 2

66 93 88 81 89 104

- - - 0 0 0

21 10 17 16 25 57

110 110 123 114 152 162

21 15 19 18 22 30

44 39 36 35 25 50

11 6 7 6 5 14

98 170 204 199 154 175

Tabel 7.5 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi


2004

55

1

107

0

55

148

28

51

15

184

56

2

110

0

57

155

30

50

14

180

54

1

123

0

46

153

25

54

9

139

54

1

135

0

49

146

28

50

14

179

52

1

139

0

44

125

24

55

8

129

52

1

135

0

42

121

24

62

10

134

52

1

111

0

43

135

23

62

7

145

50

1

120

0

42

132

23

57

8

147

50

1

136

0

42

109

22

58

9

147


51


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

88 66 58 67 42 50

- - 8 8 4 4

43 37 41 32 28 36

- - 0 0 0 0

159 95 111 115 87 92

101 112 210 265 170 192

6 6 15 16 16 20

12 21 40 58 46 62

5 8 18 16 8 10

66 71 97 99 89 109

Tabel 7.6 Non Performing Loan BPD Berdasarkan Sektor Ekonomi


2004

57

3

38

0

111

264

16

57

11

107

55

3

36

0

104

202

21

59

11

109

76

3

38

0

141

245

21

95

14

121

56

3

38

0

131

231

20

60

11

113

69

4

31

0

148

235

21

105

15

113

68

5

37

0

138

255

24

107

12

110

79

5

37

0

153

260

24

109

13

117

76

5

40

0

137

263

21

102

13

120

97

5

36

0

137

270

31

96

13

131


52


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

865 534 259 259 211 212

93 36 60 60 59 60

4.551 3.015 2.148 2.177 2.019 2.034

77 50 41 41 40 40

189 201 55 50 16 46

799 399 413 378 259 314

26 37 19 19 19 19

414 269 205 205 208 209

54 45 40 40 36 37

256 91 104 110 117 123

Tabel 7.7 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi


2004

212

60

1.906

-

15

312

19

226

17

135

212

60

1.997

-

15

295

19

224

40

130

188

-

1,941

13

16

288

21

239

12

150

214

61

1.955

-

15

322

19

225

16

143

189

-

1.623

13

17

274

21

217

12

159

182

-

1.571

3

17

260

20

209

2

165

185

-

1.604

3

45

305

21

182

2

172

181

-

1.487

2

26

276

21

174

2

90

175

-

1.516

2

26

273

21

172

2

90


53


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


2 0 0 3

442 148 67 67 - -

34 146 42 42 42 42

8.330 4.201 2.656 2.982 2.816 2.651

- - - - - -

7 34 1 1 1 1

1.352 723 391 391 348 236

276 15 - - - -

375 54 300 245 182 199

94 18 - - - -

827 525 652 669 689 700

Tabel 7.8 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi


2004

-

42

2.545

-

1

168

-

163

17

751

-

42

2.589

-

1

167

-

163

17

708

-

45

2.668

56

1

171

-

164

18

767

-

43

2.739

-

1

161

-

161

-

759

-

45

2.530

56

-

117

-

181

-

571

-

375

2.511

55

1

114

-

232

-

572

-

547

2.376

56

1

116

-

268

-

582

-

714

1.923

-

-

113

-

54

16

625

-

701

1.809

-

-

101

-

57

16

646


54

Milyar Rp


2 0 0 3

Tabel 7.9 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan

Des DesJenis Penggunaan

Modal Kerja Properti Agrobisnis Lainnya

Total Modal Kerja

Investasi Properti Agrobisnis Lainnya

Total Investasi

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

Total Konsumsi

334 177 219 208 173 237 224 225 222 227 353 344 351 798 204359 302 617 677 522 562 514 427 452 463 519 574 451 421 402

19.447 15.432 14.637 17.165 16.850 16.882 16.981 14.962 15.153 16.243 16.550 16.128 16.382 15.353 15.415

20.140 15.911 15.473 18.049 17.545 17.681 17.719 15.614 15.827 16.934 17.422 17.045 17.184 16.572 16.021

766 629 680 684 583 443 424 383 389 430 430 430 444 355 3452.385 1.909 1.182 1.084 1.107 1.192 1.270 1.175 1.163 1.114 1.249 1.134 1.162 1.128 1.3619.602 7.753 8.424 8.639 7.654 7.220 7.617 7.471 7.892 8.468 8.392 8.087 7.860 7.860 7.794

12.754 10.291 10.286 10.408 9.344 8.855 9.312 9.028 9.443 10.012 10.071 9.652 9.465 9.344 9.501

255 216 200 491 419 508 536 502 517 526 511 527 542 559 574113 160 223 231 192 213 237 257 245 269 264 284 291 310 30314 16 31 36 31 35 35 39 34 35 35 35 39 40 46

810 1.716 2.273 2.122 2.333 2.181 2.389 2.660 2.720 2.727 2.123 2.188 2.208 2.125 2.174

1.191 2.107 2.727 2.880 2.975 2.938 3.197 3.459 3.516 3.555 2.933 3.033 3.080 3.034 3.098

2004


55

Milyar Rp


2 0 0 3

Tabel 7.10 Non Performing Loan Bank Persero Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

95 22 54 42 58 67 47 77 79 86 88 77 76 669 78331 231 449 468 356 350 365 313 342 355 352 410 343 313 294

3.911 4.551 5.569 8.199 7.055 7.323 7.683 7.456 7.525 8.639 9.324 8.812 8.988 8.774 8.936

4.336 4.804 6.072 8.709 7.469 7.740 8.095 7.846 7.946 9.081 9.764 9.300 9.407 9.755 9.309

23 20 207 212 198 6 7 4 5 17 74 75 79 3 31.488 721 595 572 364 332 325 336 323 339 505 459 452 533 7682.577 2.706 4.202 4.044 3.555 3.474 3.946 3.616 3.635 4.097 4.089 3.618 3.643 3.638 3.496

4.088 3.446 5.004 4.828 4.116 3.812 4.278 3.956 3.962 4.454 4.669 4.152 4.174 4.173 4.267

147 95 83 371 311 393 422 386 409 407 398 406 412 426 4426 5 13 9 8 9 14 14 14 15 14 16 17 23 204 3 3 10 8 11 11 11 14 13 14 13 16 16 21

249 736 887 702 1.037 792 951 1.179 1.170 1.202 807 856 843 768 766

406 839 986 1.092 1.364 1.205 1.397 1.590 1.607 1.637 1.233 1.291 1.287 1.232 1.249

2004


56

Milyar Rp


2 0 0 3

Tabel 7.11 Non Performing Loan BUSN Devisa Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

179 42 75 77 62 71 74 63 66 63 192 195 201 60 608 26 107 148 112 143 81 44 43 44 104 101 40 42 42

5.117 3.209 3.632 3.282 4.647 4.379 4.263 2.559 2.483 2.421 2.409 2.591 2.596 2.591 2.561

5.304 3.277 3.815 3.506 4.822 4.594 4.418 2.666 2.592 2.528 2.705 2.887 2.838 2.693 2.663

294 182 128 126 129 224 235 194 197 214 214 218 224 215 206261 681 302 226 471 582 667 579 578 538 538 451 483 374 374

3.784 3.199 2.889 3.197 2.848 2.538 2.529 2.674 3.029 3.185 3.227 3.370 3.194 3.289 3.372

4.339 4.062 3.318 3.549 3.448 3.344 3.432 3.447 3.804 3.938 3.979 4.039 3.901 3.878 3.952

74 79 69 71 59 64 67 72 69 71 66 69 77 76 75100 144 202 216 176 194 205 201 218 240 235 253 257 270 266

6 11 25 25 21 22 22 26 19 20 19 20 21 22 23114 228 392 406 310 351 384 399 415 418 411 424 427 457 476

295 462 689 717 566 631 678 698 721 748 732 766 782 825 840

2004


57

Milyar Rp


2 0 0 3

Tabel 7.12 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

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

234 227 223 211 247 312 310 297 324 317 300 298 287 282 276

254 237 276 264 298 405 403 390 408 399 381 379 372 367 361

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

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

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

22 25 29 30 32 34 30 30 23 29 29 34 36 39 393 8 5 4 6 7 15 14 10 10 10 10 13 13 123 1 - - - - - - - - - - - 0 0

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

85 166 203 198 153 174 179 182 178 137 129 134 144 147 147

2004


58

Milyar Rp


2 0 0 3

Tabel 7.13 Non Performing Loan BPD Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

5 44 32 33 28 29 33 15 15 15 13 12 14 16 123 3 4 4 4 4 4 5 6 4 4 3 4 3 4

250 173 303 368 239 275 303 381 352 409 401 415 440 418 436

258 221 339 405 271 307 339 400 373 429 417 430 458 437 452

2 2 3 3 3 4 3 4 3 3 3 3 3 3 375 50 27 28 14 18 18 21 21 21 21 21 21 21 25

101 81 138 146 118 143 134 136 157 185 192 198 204 202 212

178 132 167 176 135 164 156 161 181 210 216 222 228 226 239

12 16 19 19 17 17 17 15 16 18 17 17 17 17 17 - - 1 1 1 1 1 1 2 2 2 2 3 3 31 1 1 1 1 1 1 1 1 1 1 1 1 1 2

32 46 72 74 67 87 85 86 90 95 88 84 91 94 104

45 63 93 95 86 105 105 102 108 116 108 105 112 115 126

2004


59

Milyar Rp


2 0 0 3

Tabel 7.14 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

44 33 23 23 4 23 23 23 23 25 24 23 24 18 18131 26 11 11 11 11 11 11 7 8 8 7 8 7 7

4.344 2.553 1.817 1.808 1.659 1.724 1.679 1.594 1.623 1.581 1.431 1.421 1.517 1.416 1.444

4.519 2.611 1.851 1.842 1.674 1.758 1.713 1.628 1.653 1.613 1.463 1.452 1.548 1.442 1.469

271 282 204 205 137 203 172 174 177 189 131 128 131 128 127297 432 254 255 258 258 258 237 239 214 184 201 205 200 193

2.190 1.293 929 927 799 750 718 729 759 701 587 483 464 400 398

2.758 2.007 1.387 1.387 1.193 1.211 1.148 1.140 1.174 1.104 902 812 800 727 718

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

30 57 104 110 116 123 129 135 143 150 159 165 172 90 90

30 57 104 110 117 123 130 135 143 150 159 165 172 90 90

2004


60

Milyar Rp


2 0 0 3

Tabel 7.15 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

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

9.935 4.719 3.093 3.298 3.003 2.868 2.743 2.674 2.847 2.876 2.684 2.591 2.556 1.872 1.761

9.988 4.761 3.119 3.324 3.011 2.876 2.751 2.682 2.855 2.884 2.691 2.597 2.562 1.878 1.767

168 139 131 132 109 - - - - - - - - - -261 22 - - - - - - - - - - - - -881 424 207 273 269 253 228 255 251 239 240 360 301 272 259

1.311 585 338 405 378 253 228 255 251 239 240 360 301 272 259

- - - - - - - - - - - - - - 03 3 2 1 2 2 2 27 2 2 2 2 2 2 2- - 1 1 1 1 1 1 1 1 1 1 1 1 1

328 516 649 666 686 696 705 723 756 764 568 569 579 622 643

332 520 652 669 689 700 708 751 759 767 571 571 582 625 646

2004


61

Milyar Rp


2 0 0 3

Tabel 7.16 Non Performing Loan Berdasarkan Lokasi Penyaluran Kredit


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

1.708 2.141 2.081 2.167 1.777 1.807 1.998 2.004 1.582 1.557 1.589 1.556 1.569 1.478 1.526 408 369 250 250 253 253 267

27.682 16.247 17.672 20.148 20.802 20.923 20.591 18.668 19.344 20.618 20.309 20.003 20.050 18.587 18.74117 37 46 53 39 40 58 65 67 66 74 81 79 77 70

418 628 620 724 360 505 521 583 607 640 777 665 687 712 7272.703 2.931 2.942 2.944 2.590 2.457 2.589 2.639 2.816 2.910 2.885 2.784 2.728 2.654 2.682

80 19 32 33 30 33 36 38 31 33 32 32 33 31 3223 97 105 106 91 67 70 73 65 79 87 84 99 107 92

185 45 63 66 50 54 55 55 54 51 44 47 52 53 54738 2.415 940 1.156 1.006 1.042 1.107 1.171 1.160 1.153 1.078 1.136 1.189 1.186 1.179128 104 106 113 92 93 94 88 83 105 106 166 161 171 200875 584 412 326 310 340 397 421 370 435 621 604 527 532 51283 93 568 472 278 165 197 175 139 145 153 163 167 157 163

28 29 30 27 26 22 14214 207 88 95 73 80 79 88 93 101 104 103 108 104 107268 624 180 273 55 96 101 102 98 107 83 75 72 85 9577 24 124 85 88 79 82 104 103 128 114 127 142 165 169

129 46 119 117 114 123 134 143 152 176 175 193 201 219 27922 101 39 40 20 28 29 29 44 38 40 40 41 36 3417 28 71 74 73 76 81 78 71 37 38 41 43 47 57

329 900 1.040 1.106 1.031 509 971 466 470 604 604 656 603 1.271 70735 60 118 128 106 125 145 161 166 175 172 159 153 159 168

17 21 21 23 21 21 2414 18 35 35 33 35 41 37 47 49 81 59 62 65 7017 32 59 61 48 44 51 51 51 56 51 54 52 58 57

370 264 511 502 323 263 309 260 294 343 270 290 298 235 23810 11 393 396 14 393 395 394 395 404 168 173 174 187 18524 17 13 13 12 12 12 13 15 15 15 14 15 16 1821 34 27 28 25 26 27 29 29 31 33 39 38 41 40

3 4 4 5 4 4 5 5 4 5 5 5 5 6 62.416 127 74 75 52 52 52 160 75 80 79 80 82 120 106

2004


62

Milyar Rp


2 0 0 3

Tabel 7.17 Non Performing Penerusan Kredit ( Off Balancesheet )


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

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

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

BPDNon Performing Penerusan KreditTotal Penerusan KreditRasio Non Performing (%)

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

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

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

3.096 3.568 5.728 5.780 7.494 7.641 7.65238.367 34.810 32.225 32.843 32.095 32.160 31.963

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

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

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

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

718 806 843 861 819 875 8601.662 1.846 1.896 2.013 1.956 2.008 1.71343,18 43,68 44,45 42,75 41,88 43,58 50,22

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

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

4.747 5.335 7.541 7.598 9.280 9.491 9.48342.603 39.230 36.671 37.417 36.601 36.717 36.270

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

2004

7.34332.741

22.43

1.0562.55441.35

1443

32.62

9001.85648.50

---

- --

9.31437.194

25,04

7.73432.11624,08

9462.53637,30

1443

32,69

8941.83448,76

---

---

9.58836.530

26,25

7.76932.03324,25

9592.53437,84

1443

32,68

8991.85048,60

-- -

- - -

9.64136.46026,44

7.37932.834

22,47

1.1232.55643,96

1442

32,59

9851.85952,98

---

- - -

9.50137.291

25,48

7.14632.12422,24

1.1262.50644,94

1442

32,59

9871.85953,10

-- -

- - -

9.27336.53225,38

7.18632.452

22,14

1.1262.55844,03

1442

32,59

9851.85953.01

-- -

- - -

9.31136.91125,23

7.139 31.590

22,60

1.1292.560 44,11

1442

32,58

9901.85553,37

-- -

- - -

9.27336.04825,72

7.42831.925

23,27

1.129 2.60143,41

14 42

32,58

1.0051.85954.06

---

---

9.577 36.428

26,29


63

Tabel 8.1 Komposisi DPK Bank Umum

Desember 2001 Desember 2002 Oktober 2003

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas

Total DPKRupiahValas

184.869 23,19 196.226 23,48 222.823 25,34 217.998 24,53 244.946 26,39119.995 15,05 130.238 15,58 152.586 17,35 150.117 16,89 164.893 17,7764.874 8,14 65.988 7,90 70.237 7,99 67.881 7,64 80.053 8,63

439.905 55,17 446.191 53,39 437.257 49,72 428.833 48,26 408.359 44,00344.854 43,25 364.567 43,62 362.693 41,24 351.840 39,60 337.986 36,4295.051 11,92 81.624 9,77 74.564 8,48 76.993 8,66 70.373 7,58

172.588 21,64 193.361 23,14 219.298 24,94 241.736 27,21 274.711 29,60171.304 21,48 192.589 23,04 218.341 24,83 240.663 27,08 274.142 29,54

1.284 0,16 772 0,09 957 0,11 1.073 0,12 569 0,06

797.362 100 835.778 100 879.379 100 888.567 100 928.016 100636.153 79,78 687.394 82,25 733.620 83,42 742.619 83,57 777.021 83,73161.209 20,22 148.384 17,75 145.759 16,58 145.948 16,43 150.995 16,27

Desember 2003

Milyar Rp

Nominal Komposisi thdTotal DPK (%)





Oktober 2004


64

Tabel 8.2 Komposisi DPK Bank Persero


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


64.188 17,62 67.017 18,09 80.945 21,60 77.136 20,93 86.142 23,6650.780 13,94 51.157 13,81 60.107 16,04 59.839 16,24 63.733 17,5113.408 3,68 15.860 4,28 20.838 5,56 17.297 4,69 22.409 6,16

220.211 60,46 212.896 57,46 191.360 51,06 177.770 48,24 148.855 40,89183.582 50,41 181.524 48,99 163.582 43,64 149.656 40,61 126.770 34,8236.629 10,06 31.372 8,47 27.778 7,41 28.114 7,63 22.085 6,07

79.807 21,91 90.630 24,46 102.504 27,35 113.574 30,82 129.067 35,4579.645 21,87 90.571 24,44 102.413 27,32 113.486 30,80 128.930 35,41

162 0,04 59 0,02 91 0,02 88 0,02 137 0,04

364.206 100 370.542 100 374.809 100 368.479 100 364.064 100314.007 86,22 323.252 87,24 326.102 87,00 322.981 87,65 319.433 87,7450.199 13,78 47.290 12,76 48.707 13,00 45.498 12,35 44.631 12,26

Desember 2003

Milyar Rp






Oktober 2004


65

Tabel 8.3 Komposisi DPK BUSN Devisa


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


60.981 20,99 67.497 21,02 74.280 21,79 78.313 21,72 86.399 22,5736.677 12,62 42.553 13,25 48.167 14,13 51.153 14,19 56.998 14,8924.304 8,36 24.944 7,77 26.113 7,66 27.160 7,53 29.401 7,68

149.358 51,40 164.574 51,25 165.141 48,45 172.348 47,80 169.332 44,23125.120 43,06 140.505 43,76 142.326 41,75 148.832 41,28 150.600 39,3424.238 8,34 24.069 7,50 22.815 6,69 23.516 6,52 18.732 4,89

80.237 27,61 89.040 27,73 101.461 29,76 109.875 30,48 127.076 33,2080.232 27,61 89.032 27,73 101.450 29,76 109.863 30,47 127.047 33,19

5 - 8 - 11 0,00 12 0,00 29 0,01

290.576 100 321.111 100 340.881 100 360.536 100 382.807 100242.029 83,29 272.090 84,73 291.942 85,64 309.848 85,94 334.645 87,4248.547 16,71 49.021 15,27 48.939 14,36 50.688 14,06 48.162 12,58

Desember 2003

Milyar Rp






Oktober 2004


66

Tabel 8.4 Komposisi DPK BUSN Non Devisa


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


1.352 9,79 1.433 8,40 1.668 8,55 1.718 8,59 1.947 10,011.352 9,79 1.433 8,40 1.668 8,55 1.718 8,59 1.947 10,01

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

10.690 77,42 13.866 81,33 15.832 81,16 16.271 81,40 15.272 78,5410.690 77,42 13.866 81,33 15.832 81,16 16.271 81,40 15.272 78,54

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

1.766 12,79 1.751 10,27 2.006 10,28 2.000 10,01 2.226 11,451.766 12,79 1.751 10,27 2.006 10,28 2.000 10,01 2.226 11,45

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

13.808 100 17.050 100 19.506 100 19.989 100 19.445 10013.808 100 17.050 100 19.506 100 19.989 100 19.445 100

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

Desember 2003

Milyar Rp






Oktober 2004


67

Tabel 8.5 Komposisi DPK BPD


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


22.785 61,63 25.773 56,32 30.728 53,34 26.492 51,25 26.569 48,3622.769 61,59 25.750 56,27 30.696 53,28 26.452 51,17 26.504 48,24

16 0,04 23 0,05 32 0,06 40 0,08 65 0,12

7.025 19,00 10.987 24,01 17.141 29,75 12.553 24,28 15.375 27,997.011 18,97 10.970 23,97 17.125 29,72 12.536 24,25 15.355 27,95

14 0,04 17 0,04 16 0,03 17 0,03 20 0,04

7.158 19,36 8.998 19,66 9.744 16,91 12.650 24,47 12.993 23,657.158 19,36 8.998 19,66 9.744 16,91 12.650 24,47 12.993 23,65

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

36.968 100 45.758 100 57.613 100 51.695 100 54.939 10036.938 99,92 45.717 99,91 57.565 99,92 51.638 99,89 54.853 99,84

30 0,08 41 0,09 48 0,08 57 0,11 86 0,16

Desember 2003

Milyar Rp






Oktober 2004


68

Tabel 8.6 Komposisi DPK Bank Campuran


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


9.870 42,24 9.244 43,16 9.388 41,49 8.938 40,95 11.715 40,802.194 9,39 2.609 12,18 2.878 12,72 2.314 10,60 3.252 11,337.676 32,85 6.635 30,98 6.510 28,77 6.624 30,35 8.463 29,48

12.819 54,86 11.907 55,59 12.769 56,43 12.452 57,05 16.666 58,054.295 18,38 4.642 21,67 6.703 29,62 6.167 28,25 8.492 29,588.524 36,48 7.265 33,92 6.066 26,81 6.285 28,79 8.174 28,47

677 2,90 266 1,24 470 2,08 437 2,00 329 1,15200 0,86 136 0,63 312 1,38 238 1,09 329 1,15477 2,04 130 0,61 158 0,70 199 0,91 - 0,00

23.366 100 21.418 100 22.627 100 21.827 100 28.710 1006.689 28,63 7.388 34,49 9.893 43,72 8.719 39,95 12.074 42,06

16.677 71,37 14.030 65,51 12.734 56,28 13.108 60,05 16.636 57,94

Desember 2003

Milyar Rp






Oktober 2004


69

Tabel 8.7 Komposisi DPK Bank Asing


GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


25.692 37,54 25.262 42,17 25.813 40,37 25.401 38,46 28.262 40,306.222 9,09 6.735 11,24 9.070 14,18 8.640 13,08 11.640 16,60

19.470 28,45 18.527 30,93 16.743 26,19 16.761 25,38 16.622 23,70

39.803 58,16 31.962 53,36 35.015 54,76 37.439 56,69 38.916 55,4914.157 20,69 13.061 21,80 17.125 26,78 18.377 27,83 19.431 27,7125.646 37,47 18.901 31,55 17.890 27,98 19.062 28,86 19.485 27,78

2.941 4,30 2.677 4,47 3.114 4,87 3.201 4,85 2.953 4,212.302 3,36 2.102 3,51 2.417 3,78 2.427 3,67 2.550 3,64

639 0,93 575 0,96 697 1,09 774 1,17 403 0,57

68.436 100 59.900 100 63.941 100 66.041 100 70.132 10022.681 33,14 21.898 36,56 28.611 44,75 29.444 44,58 33.621 47,9445.755 66,86 38.002 63,44 35.330 55,25 36.597 55,42 36.511 52,06

Desember 2003

Milyar Rp






Oktober 2004


70

Tabel 8.8 Peringkat Bank Berdasarkan Dana Pihak Ketiga

Milyar Rp

1 PT Bank Mandiri 189.856 23,81 PT Bank Mandiri 182.963 21,89 PT Bank Mandiri 178.532 20,30 PT Bank Mandiri 177.253 19,95 PT Bank Mandiri 162.679 17,532 PT Bank Negara Indonesia Tbk 100.946 12,66 PT Bank Central Asia Tbk 103.698 12,41 PT Bank Central Asia Tbk 108.925 12,39 PT Bank Central Asia Tbk 118.010 13,28 PT Bank Central Asia Tbk 127.214 13,713 PT Bank Central Asia Tbk 90.264 11,32 PT Bank Negara Indonesia Tbk 98.439 11,78 PT Bank Negara Indonesia Tbk 103.025 11,72 PT Bank Negara Indonesia Tbk 104.713 11.,78 PT Bank Negara Indonesia Tbk 103.226 11,124 PT Bank Rakyat Indonesia 57.788 7,25 PT Bank Rakyat Indonesia 69.226 8,28 PT Bank Rakyat Indonesia 74.124 8,43 PT Bank Rakyat Indonesia 67.387 7,58 PT Bank Rakyat Indonesia 79.759 8,595 PT Bank Danamon Indonesia Tbk 39.799 4,99 PT Bank Danamon Indonesia Tbk 34.898 4,18 PT Bank Danamon Indonesia Tbk 35.416 4,03 PT Bank Danamon Indonesia Tbk 39.623 4,46 PT Bank Danamon Indonesia Tbk 36.071 3,896 PT Bank Internasional Indonesia Tbk 24.956 3,13 PT Bank Internasional Indonesia Tbk 29.356 3,51 PT Bank Internasional Indonesia Tbk 29.930 3,40 PT Bank Internasional Indonesia Tbk 28.541 3,21 PT Bank Internasional Indonesia Tbk 28.225 3,047 Citibank N.A 20.897 2,62 PT Lippo Bank Tbk 22.056 2,64 PT Lippo Bank Tbk 22.991 2,61 PT Lippo Bank Tbk 23.532 2,65 PT Bank Permata Tbk 25.029 2,708 PT Lippo Bank Tbk 20.023 2,51 PT Bank Permata Tbk 21.850 2,61 PT Bank Permata Tbk 22.929 2,61 PT Bank Permata Tbk 23.446 2,64 PT Lippo Bank Tbk 24.364 2,639 PT Bank Tabungan Negara 18.916 2,37 PT Bank Tabungan Negara 19.913 2,38 Citibank N.A 19.186 2,18 PT Bank Niaga Tbk 19.350 2,18 PT Bank Niaga Tbk 22.143 2,3910 PT Bank Niaga Tbk 17.298 2,17 Citibank N.A 18.491 2,21 PT Bank Tabungan Negara 19.129 2,18 Citibank N.A 19.318 2,17 Citibank N.A 19.626 2,11


Peringkat

Desember 2001 Desember 2003

Nama BankTotalDPK

Pangsa thdTotal DPK

Bank Umum (%)Nama Bank

TotalDPK

Pangsa thdTotal DPK


TotalDPK

Pangsa thdTotal DPK


TotalDPK

Pangsa thdTotal DPK


TotalDPK

Pangsa thdTotal DPK

Bank Umum (%)



71

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

Tabel 8.9 Penghimpunan DPK Berdasarkan Lokasi ( Oktober 2004 )

Pangsa ThdTotal DPK

(%)Milyar Rp11.373 3.575 28.147 48 27.774 3.680 67.295 7.302 74.597 8,043.944 607 4.958 1 4.594 560 13.496 1.168 14.663 1,58

89.089 57.881 85.491 285 206.838 54.069 381.418 112.235 493.652 53,191.578 357 5.032 2 2.709 267 9.320 626 9.946 1,076.193 1.982 21.575 68 13.586 1.222 41.354 3.271 44.625 4,81

16.817 5.406 34.979 30 32.062 4.579 83.858 10.016 93.874 10,12380 17 900 - 318 3 1.598 19 1.617 0,17905 173 2.540 0 1.201 45 4.646 218 4.864 0,52

2.046 93 3.132 0 1.346 46 6.524 140 6.664 0,726.086 2.214 17.501 64 14.668 2.080 38.256 4.359 42.614 4,591.507 207 3.626 1 2.098 118 7.231 327 7.558 0,814.950 1.936 9.942 0 3.902 377 18.794 2.314 21.107 2,271.860 710 5.929 0 4.560 589 12.350 1.299 13.649 1,47

647 38 1.477 0 531 16 2.655 54 2.709 0,291.350 198 2.965 1 1.548 122 5.863 321 6.184 0,671.213 269 3.662 1 1.135 68 6.010 338 6.348 0,681.126 344 4.816 0 1.951 66 7.893 410 8.304 0,892.523 818 8.034 0 3.940 414 14.497 1.232 15.729 1,69

909 40 1.684 0 488 13 3.081 53 3.134 0,34555 35 1.499 - 478 15 2.531 50 2.582 0,28

2.245 481 7.408 1 3.419 133 13.073 615 13.688 1,47456 209 2.109 0 1.113 148 3.678 357 4.035 0,43143 6 422 0 142 12 707 18 725 0,08474 51 1.057 0 289 3 1.821 55 1.875 0,20578 61 1.842 0 569 17 2.989 78 3.068 0,33

2.169 1.303 6.714 2 4.096 347 12.979 1.652 14.631 1,581.166 21 1.997 0 868 30 4.031 51 4.083 0,44

517 65 1.278 - 499 19 2.294 84 2.378 0,261.982 268 3.048 0 1.124 68 6.154 336 6.490 0,70

112 1 375 - 138 1 624 2 626 0,07- 686 - 66 - 1.246 - 1.998 1.998 0,22

164.893 80.053 274.142 569 337.986 70.373 777.021 150.995 928.016 100


Total

Lokasi


72

Milyar Rp


2 0 0 3

Tabel 8.10 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan

Des Des


Total

L o k a s i2004

72.78514.447

479.4759.118

43.966 90.349

1.5294.7786.224

40.0807.452

19.353 12.790

2.6625.7615.8518.046

15.2353.0552.522

13.5303.902

7161.7942.883

12.9623.9552.3445.454

6041.495

895.117

85.583

464.604 9.22743.21988.9571.4754.557

6.55740.1347.210

19.08815.069

5.7785.646

7.85815.3183.0122.564

13.3754.586

1.818 2.80213.1193.804

2.230 5.601

615 1.198

875.004

84.519

463.8249.352

43.20388.6701.4904.708

6.357 40.258

7.20518.98215.314

5.6605.608

7.86515.234 3.0382.521

13.2674.522

1.7192.796

13.2043.872

2.2505.501 606

1.362

872.906

77.714

446.7247.422

39.58779.594 1.0303.315 4.37032.272 5.59615.44911.794

5.3344.674 6.28512.9982.3192.151

10.670 4.236

1.4442.264

12.4982.9931.7064.283 770

1.150

800.640

86.182

479.994 8.60541.31888.2491.4674.4696.894

39.271 7.16218.69114.658

5.7625.6487.743

15.7292.9602.511

12.949 4.615

1.8262.764

13.1813.876 2.3775.783 613

1.160

886.456

85.800

470.8418.608

41.266 88.240

1.476 4.514

6.76639.909 7.057

18.77014.898

5.642 5.5367.765

15.4482.9992.491

13.0264.591

1.7862.785

13.1493.840 2.308 5.778 6151.203

877.107

83.774

460.5648.217

39.59780.2691.2163.829

6.06237.8416.305

16.77712.004

5.184 4.952 6.91614.4722.5322.318

11.1823.785

1.6752.453

12.164 3.192

257 4.949 330 958

835.778

85.343

486.852 8.20840.35583.9881.3854.178

6.49137.898 6.90818.99513.514

5.4175.1497.510

15.6042.7712.403

12.416 4.412

1.670 2.65812.7043.6972.0715.130 569

1.082

879.379

85.997

481.8648.135

40.16783.8011.4334.2166.349

38.315 6.91818.38813.904

5.6185.191

7.401 14.856 2.793 2.38012.5864.530

1.736 2.681

12.667 3.7312.238

5.844 576

1.106

875.422

87.178

480.627 8.569

41.093 87.518

1.5224.5447.095

39.9677.432

19.17414.869

5.8375.638

6.18715.785 2.896 2.68113.117 4.926

1.9592.7802.787

3.970 2.459 6.099 6551.203

888.567

74.74014.770

485.8499.616

44.64191.995

1.5874.8636.603

41.3327.596

20.69012.903

2.7115.8766.0558.211

15.9213.1652.616

13.5584.098

7291.8652.888

13.3774.0982.4145.854

6221.545

912.787

74.74514.748

484.1869.742

44.11491.459

1.6164.8756.498

41.5617.484

20.24913.290

2.6085.8255.9088.206

15.3563.1912.609

13.5563.960

7331.8312.924

13.7284.098

2.339 5.724

6351.676

909.471

76.22315.121

486.119 10.19244.69592.303

1.5994.8596.885

41.9687.506

21.36113.549

2.6285.913

6.1798.364

16.4083.1662.606

13.6263.987 725

1.8382.940

14.0774.074

2.3755.661

6311.672

919.251

74.24215.301

491.01210.51445.04592.8791.5914.8856.797

43.0617.501

21.41613.4842.7146.0456.2508.428

15.9623.1862.602

13.7054.016 739

1.8343.019

14.420 4.0612.3746.632

6382.081

926.433

74.59714.663

493.6529.946

44.62593.8741.6174.8646.664

42.6147.558

21.10713.6492.7096.1846.3488.304

15.7293.1342.582

13.6884.035

7251.8753.068

14.6314.0832.3786.490

6261.998

928.016


73

Milyar Rp


2 0 0 3

Tabel 8.11 Deposito Berdasarkan Jangka Waktu Simpanan

Des Des

126.362 115.329 108.444 108.770 107.765 105.380 101.877 100.876 102.054 99.428 100.359 102.007 100.044 99.027 97.358122.877 133.119 124.080 129.512 129.495 127.866 120.625 120.710 124.983 128.012 132.568 135.137 136.184 138.095 137.059

7.379 7.967 7.274 7.370 8.304 8.011 7.981 8.007 8.308 8.612 9.527 10.277 10.494 10.715 10.6484.363 6.296 10.003 8.855 6.386 7.004 7.433 8.028 8.656 8.646 10.014 9.753 8.782 8.436 8.146

10.646 10.015 10.917 10.767 9.955 11.183 11.057 11.838 11.345 12.148 12.463 11.365 11.967 12.966 13.26831.488 25.609 29.510 30.047 29.982 32.068 31.991 31.985 32.512 36.816 35.219 35.180 36.952 37.108 36.072

303.115 298.335 290.228 295.321 291.886 291.512 280.963 281.444 287.857 293.663 300.149 303.720 304.422 306.348 302.551

51.743 46.838 31.233 30.133 31.267 29.848 28.637 27.105 27.893 27.376 26.615 22.815 23.405 24.284 24.45321.138 22.465 24.868 26.733 26.853 26.754 26.080 24.605 22.927 22.368 21.510 20.338 19.941 20.234 19.500

2.351 4.211 3.760 3.557 3.602 3.423 3.380 3.096 3.268 2.871 2.576 2.624 2.708 2.818 2.9061.320 2.305 2.415 2.172 1.908 2.208 2.255 2.152 2.236 3.128 2.905 2.891 2.773 3.463 3.3851.728 1.186 1.046 1.171 1.242 1.549 1.666 1.698 1.382 1.110 1.032 1.132 1.604 1.804 1.8724.852 3.445 3.660 4.335 4.950 4.848 4.454 3.622 3.453 2.928 3.816 3.621 3.588 4.379 4.221

83.131 80.449 66.982 68.102 69.822 68.629 66.472 62.277 61.158 59.782 58.454 53.421 54.020 56.982 56.337

13.443 14.183 16.222 15.216 11.910 12.191 12.820 13.553 12.817 12.212 12.407 12.021 12.899 13.464 13.5912.701 4.347 8.006 8.083 7.205 6.438 5.690 5.168 5.199 4.703 4.500 4.621 5.681 5.831 6.201

485 501 3.035 3.249 2.687 2.448 2.127 1.768 1.799 1.344 1.234 1.090 1.024 1.007 1.069408 561 1.604 1.440 1.094 1.005 1.038 997 1.014 1.101 1.070 1.418 1.997 1.960 2.075250 291 364 363 525 626 750 729 741 682 570 522 526 727 873

2.056 1.234 895 966 1.087 1.258 1.246 1.104 1.103 942 944 902 1.028 989 1.03619.342 21.117 30.126 29.317 24.509 23.966 23.672 23.319 22.674 20.983 20.725 20.574 23.154 23.978 24.845

9.869 15.676 18.890 18.385 17.727 18.688 16.791 16.289 15.545 14.086 11.052 10.264 10.518 9.370 8.0352.544 4.417 7.965 8.475 8.590 8.751 8.504 7.984 8.045 7.587 7.013 6.826 6.713 6.706 6.468

473 1.136 1.610 1.651 1.596 1.624 1.478 1.175 1.197 985 884 791 673 700 614899 1.622 2.926 2.951 2.978 3.052 2.849 2.811 2.620 2.478 1.814 1.808 1.784 1.813 1.756172 300 350 386 497 530 471 458 473 508 520 571 530 547 549

1.260 1.146 941 985 1.111 1.033 1.055 1.821 1.879 1.834 1.654 1.517 1.487 1.339 1.27615.219 24.297 32.682 32.832 32.500 33.678 31.148 30.537 29.758 27.478 22.937 21.777 21.704 20.475 18.699

18.794 20.869 16.571 11.813 9.100 7.793 6.451 3.685 2.379 2.246 5.242 3.811 3.658 2.645 5.41892 226 222 225 204 156 150 131 116 102 99 100 127 106 1042 52 153 87 83 105 74 51 116 53 57 50 50 56 49

34 203 192 191 187 181 173 152 64 41 26 30 12 13 1422 115 93 93 233 130 97 87 89 89 90 91 107 90 103

148 528 8 275 308 274 5 5 262 266 267 271 265 240 23919.092 21.993 17.238 12.683 10.116 8.640 6.950 4.110 3.027 2.796 5.781 4.353 4.218 3.150 5.927

1 BulanBank PerseroBUSN DevisaBUSN Non DevisaBPDBank CampuranBank AsingTotal




>12 BulanBank PerseroBUSN DevisaBUSN Non DevisaBPDBank CampuranBank AsingTotal

Jangka Waktu Simpanan2004


74

Tabel 9.1 Peringkat Bank Berdasarkan Kredit

Milyar Rp

1 PT Bank Mandiri 47.443 15,01 PT Bank Mandiri 63.536 17,12 PT Bank Mandiri 71.444 16,74 PT Bank Mandiri 73.294 16,64 PT Bank Mandiri Tbk 82.757 15,592 PT Bank Negara Indonesia Tbk 32.950 10,43 PT Bank Rakyat Indonesia 39.347 10,60 PT Bank Rakyat Indonesia 46.269 10,84 PT Bank Negara Indonesia Tbk 46.523 10,56 PT Bank Rakyat Indonesia 59.972 11,303 PT Bank Rakyat Indonesia 32.574 10,31 PT Bank Negara Indonesia Tbk 37.337 10,06 PT Bank Negara Indonesia Tbk 43.654 10,23 PT Bank Rakyat Indonesia 45.874 10,41 PT Bank Negara Indonesia Tbk 54.813 10,334 PT Bank Central Asia Tbk 14.516 4,59 PT Bank Central Asia Tbk 21.191 5,71 PT Bank Central Asia Tbk 25.821 6,05 PT Bank Central Asia Tbk 29.051 6,60 PT Bank Central Asia Tbk 36.922 6,965 Citibank N.A 11.444 3,62 PT Bank Danamon Indonesia (Tbk) 18.452 4,97 PT Bank Danamon Indonesia Tbk 22.930 5,37 PT Bank Danamon Indonesia Tbk 22.626 5,14 PT Bank Danamon Indonesia Tbk 26.820 5,056 PT Bank Danamon Indonesia (Tbk) 10.588 3,35 Citibank N.A 11.121 3,00 PT Bank Bukopin 13.133 3,08 PT Bank Niaga Tbk 14.003 3,18 PT Bank Niaga Tbk 19.289 3,637 PT Bank International Indonesia Tbk 8.751 2,77 PT Bank Niaga Tbk 10.698 2,88 PT Bank Niaga Tbk 12.951 3,03 PT Bank Bukopin 13.214 3,00 PT Bank Permata Tbk 13.574 2,568 The Hongkong & Shanghai B.C 8.533 2,70 PT Bank Tabungan Negara 10.293 2,77 PT Bank Tabungan Negara 11.215 2,63 PT Bank Tabungan Negara 11.158 2,53 PT Bank Bukopin 13.022 2,459 PT Bank Tabungan Negara 8.405 2,66 PT Bank Permata Tbk 8.982 2,42 Citibank N.A 9.575 2,24 PT Bank Internasional Indonesia 9.997 2,27 PT Bank Internasional Indonesia 12.664 2,3910 PT Bank Niaga Tbk 7.876 2,49 PT Bukopin 8.493 2,29 PT Bank Permata Tbk 9.279 2,17 Citibank N.A 9.876 2,24 PT Bank Tabungan Negara 12.284 2,31


PeringkatDesember 2001 Desember 2003

Nama BankTotalKredit

Pangsa thdTotal Kredit


TotalKredit



TotalKredit



TotalKredit

Pangsa thdTotal Kredit Bank

Umum (%)Nama Bank

TotalKredit


Bank Umum (%)



75

Milyar Rp


2 0 0 3

Tabel 9.2 Kredit Bank Umum Berdasarkan Sektor Ekonomi



2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

21.305 22.691 24.943 24.455 24.573 26.972 27.346 26.779 24.987 25.472 27.349 26.841 27.286 31.030 32.130

3.064 3.901 6.854 5.110 5.122 5.165 5.096 5.854 5.604 5.944 6.411 6.037 6.546 6.586 6.614

118.657 122.657 123.251 126.789 123.810 118.588 116.861 117.358 125.191 130.965 136.485 135.692 139.253 136.335 137.773

5.062 4.352 4.665 4.696 4.475 4.409 4.378 5.352 5.446 5.782 5.732 5.634 5.823 5.695 5.694

8.228 9.376 12.911 13.099 12.543 12.392 12.748 12.772 13.937 15.021 16.065 16.708 17.632 18.106 18.861

49.297 66.275 83.138 83.498 85.112 83.644 85.801 87.858 89.875 91.492 98.277 97.493 99.735 105.535 107.880

7.601 12.585 15.096 15.125 16.385 17.542 17.804 18.088 18.095 18.692 18.774 18.355 18.486 17.028 16.874

27.744 31.786 41.948 47.962 44.953 44.006 43.970 45.380 45.852 48.423 50.332 50.248 53.921 52.489 53.161

3.556 4.570 11.054 11.010 10.923 10.616 10.791 9.807 7.419 7.502 7.657 7.695 8.180 7.780 7.874

71.543 92.864 103.019 106.500 112.609 114.992 116.249 120.128 123.204 126.934 124.306 128.945 133.758 137.941 143.975

316.059 371.058 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.386 493.648 510.621 518.527 530.835

2 0 0 4


76

Milyar Rp


2 0 0 3

Tabel 9.3 Kredit Bank Persero Berdasarkan Sektor Ekonomi



2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

12.166 13.799 15.684 15.013 15.344 16.702 16.956 16.603 14.563 14.457 15.888 15.164 15.610 19.433 20.449

1.928 2.097 4.993 3.058 3.027 3.183 3.102 3.167 3.020 3.248 3.438 3.363 3.706 3.524 3.694

40.662 49.270 50.770 51.784 50.498 47.126 46.700 47.788 54.291 57.187 61.172 61.147 62.493 57.070 57.697

3.017 2.663 2.514 2.530 2.466 2.438 2.465 3.555 3.636 3.855 3.853 3.752 3.837 3.693 3.675

4.804 4.587 6.367 6.600 6.079 6.090 6.304 6.007 6.753 7.204 7.601 7.593 7.783 8.017 8.185

18.191 24.416 30.679 31.458 31.780 33.041 34.758 35.808 35.148 34.802 39.949 39.570 40.431 44.863 45.169

2.520 5.732 6.572 6.669 6.601 6.213 6.168 6.494 6.116 6.245 6.336 6.246 6.366 5.829 5.738

5.818 7.293 9.403 13.517 9.285 8.720 8.482 9.810 9.249 10.372 10.009 10.231 10.540 9.497 9.708

975 973 7.451 7.281 7.016 6.816 6.991 5.799 2.968 3.038 2.995 3.151 3.314 2.552 2.685

31.414 39.801 38.108 38.909 45.042 45.829 45.894 47.705 49.135 50.921 45.984 48.071 50.061 51.432 53.642

121.496 150.632 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640

2 0 0 4


77

Milyar Rp

Tabel 9.4 Kredit BUSN Devisa Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

5.696 5.896 5.878 6.065 6.166 6.922 7.068 6.827 7.005 7.414 7.732 7.975 7.995 7.966 8.013

376 1.088 1.165 1.330 1.364 1.417 1.433 2.155 2.047 2.273 2.298 2.108 2.225 2.151 1.979

28.587 33.310 36.446 36.957 36.447 35.315 35.212 34.216 35.207 36.882 37.919 37.564 38.960 40.520 40.663

1.754 1.411 1.855 1.860 1.539 1.524 1.524 1.404 1.403 1.498 1.536 1.376 1.536 1.568 1.582

2.019 2.962 3.800 3.863 4.166 4.042 4.170 4.261 4.571 4.976 5.266 5.677 5.945 6.346 6.757

22.107 31.342 40.594 40.266 41.819 38.764 39.105 40.516 42.241 44.499 45.837 45.578 46.551 47.810 49.776

3.901 5.729 7.258 7.297 8.541 8.507 8.541 8.560 8.915 9.374 9.430 9.263 9.418 9.293 9.383

12.746 16.603 20.250 21.577 22.898 22.266 22.520 22.899 23.048 24.062 25.932 24.605 25.747 26.746 26.660

1.401 2.129 1.922 2.113 2.218 2.203 2.198 2.347 2.726 2.871 2.985 2.731 2.999 3.201 3.223

16.994 25.432 32.856 34.506 34.802 35.304 35.861 37.033 38.108 38.992 40.731 42.589 44.545 45.891 48.419

95.580 125.901 152.025 155.833 159.959 156.264 157.634 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.456


2 0 0 3Des Des 2 0 0 4


78

Milyar Rp

Tabel 9.5 Kredit BUSN Non Devisa Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

588 676 729 745 692 680 664 702 744 773 792 767 710 757 687

17 17 32 37 37 37 35 35 35 34 32 32 31 30 32

1.016 1.123 1.105 1.097 1.144 1.164 1.124 1.070 1.117 1.044 1.058 1.079 1.128 1.174 1.202

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

200 210 278 287 293 301 304 304 298 299 308 335 336 325 319

1.923 2.553 3.126 3.312 3.460 3.447 3.506 2.839 3.570 2.829 2.849 2.861 2.929 2.984 2.935

381 364 407 404 565 604 605 640 664 654 660 657 644 615 596

626 838 1.345 1.465 1.504 1.526 1.582 1.525 1.641 1.514 1.494 1.547 1.627 1.724 1.653

329 327 479 482 483 484 488 501 506 500 507 498 491 498 497

4.665 5.463 6.393 6.539 6.346 6.594 6.683 6.837 6.844 6.793 6.784 6.919 7.177 7.286 7.584

9.748 11.574 13.897 14.370 14.526 14.840 14.995 14.457 15.422 14.443 14.487 14.699 15.078 15.396 15.510


2 0 0 3Des Des 2 0 0 4


79

Milyar Rp

Tabel 9.6 Kredit BPD Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

536 971 1.133 1.123 1.055 1.136 1.156 1.147 1.160 1.187 1.206 1.223 1.263 1.256 1.329

21 19 22 22 20 19 20 22 22 23 27 29 28 30 32

257 325 403 383 333 319 311 332 353 346 372 386 387 386 388

2 4 5 5 25 23 21 19 19 17 17 16 14 11 9

731 1.012 1.923 1.841 1.502 1.410 1.497 1.713 1.823 1.996 2.192 2.367 2.555 2.599 2.690

2.108 3.693 4.805 4.734 4.405 4.858 4.990 5.168 5.342 5.548 5.688 5.678 5.850 5.992 6.152

135 250 254 258 237 245 249 247 283 283 286 287 304 293 282

239 686 2.203 2.366 2.212 2.262 2.216 2.128 2.124 2.117 2.054 2.020 1.951 1.984 1.930

279 589 639 655 742 655 630 703 629 621 701 689 720 750 805

11.090 13.950 17.607 17.977 17.818 18.366 18.809 19.411 20.070 20.634 21.114 21.692 22.077 22.642 23.298

15.396 21.498 28.997 29.362 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.917


2 0 0 3Des Des 2 0 0 4


80

Milyar Rp

Tabel 9.7 Kredit Bank Campuran Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

1.470 888 1.041 964 924 927 827 740 778 768 834 807 828 775 841

309 156 241 244 242 257 251 247 249 202 203 317 282 494 526

20.563 17.675 16.962 17.537 17.079 17.048 16.803 16.994 17.083 17.996 18.405 17.795 18.577 18.509 18.601

125 85 59 61 58 58 17 17 17 18 61 220 178 178 183

379 428 325 306 265 298 269 265 257 306 316 361 491 393 470

2.489 2.359 2.305 2.224 2.182 2.088 2.113 2.109 2.108 2.323 2.315 2.263 2.433 2.282 2.338

183 151 280 259 242 676 681 680 742 796 835 833 711 425 422

2.530 2.400 2.598 2.673 2.763 2.707 2.767 2.805 2.936 3.290 3.267 3.554 3.752 3.927 4.266

141 237 212 228 215 210 218 190 333 181 194 356 360 351 348

972 733 820 852 1.004 1.064 1.049 1.057 1.081 1.111 1.123 1.154 1.174 1.129 1.172

29.162 25.111 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.167


2 0 0 3Des Des 2 0 0 4


81

Milyar Rp

Tabel 9.8 Kredit Bank Asing Berdasarkan Sektor Ekonomi

Sektor Ekonomi


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Total

850 460 478 545 393 604 674 760 737 874 895 905 882 844 811

414 524 401 419 433 252 255 229 233 164 411 188 274 357 351

27.572 20.954 17.564 19.031 18.309 17.617 16.711 16.958 17.140 17.511 17.560 17.720 17.707 18.676 19.221

160 187 228 238 385 363 348 353 367 390 261 266 255 241 241

95 177 218 203 237 252 204 222 235 240 382 375 521 427 440

2.478 1.913 1.629 1.505 1.467 1.445 1.328 1.418 1.467 1.491 1.639 1.544 1.540 1.604 1.509

481 360 325 239 200 1.297 1.559 1.466 1.375 1.340 1.227 1.068 1.043 573 454

5.787 3.965 6.150 6.364 6.290 6.524 6.403 6.213 6.853 7.069 7.575 8.292 10.304 8.612 8.944

431 315 351 251 250 249 266 267 255 291 276 269 297 427 316

6.409 7.485 7.236 7.717 7.597 7.835 7.954 8.085 7.966 8.482 8.570 8.520 8.724 9.561 9.858

44.677 36.341 34.578 36.513 35.560 36.438 35.702 35.971 36.628 37.851 38.795 39.146 41.547 41.322 42.145


2 0 0 3Des Des 2 0 0 4


82

Milyar Rp

Tabel 9.9 Kredit Bank Umum Berdasarkan Jenis Penggunaan

Jenis Penggunaan

Modal KerjaPropertiAgrobisnisLainnya

Total Modal Kerja

InvestasiPropertiAgrobisnisLainnya

Total Investasi

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

Total Konsumsi

Total

1.306 1.977 2.446 2.484 2.555 2.713 3.149 3.276 2.942 3.047 3.157 3.113 3.177 3.269 3.1358.464 9.686 10.580 10.528 9.260 9.425 9.424 8.782 8.929 9.413 13.285 13.418 14.047 12.577 13.116

171.833 194.983 217.643 222.558 221.698 214.483 215.060 218.123 223.043 230.669 241.088 237.931 247.219 253.253 257.734

181.604 206.646 230.669 235.571 233.514 226.620 227.633 230.182 234.915 243.129 257.530 254.462 264.442 269.098 273.985

2.160 1.440 1.638 2.003 1.929 3.020 3.013 3.049 3.198 3.067 3.110 3.049 3.385 2.683 2.46110.820 9.574 9.023 9.397 8.805 8.989 9.032 8.849 8.938 8.593 9.828 9.689 9.930 8.616 8.62062.862 73.410 83.951 86.240 85.041 86.095 86.406 88.525 90.730 95.865 98.040 99.429 101.088 102.016 103.220

75.842 84.424 94.611 97.639 95.775 98.104 98.451 100.423 102.866 107.525 110.979 112.168 114.403 113.316 114.301

8.745 5.741 6.951 12.562 13.072 13.059 13.104 13.186 13.340 13.537 13.730 13.983 14.185 14.340 14.5833.369 5.055 7.777 7.780 7.919 8.177 8.396 8.804 9.312 9.944 10.544 11.073 11.727 13.740 14.478

607 708 1.059 1.173 3.177 1.346 1.284 1.369 1.417 1.477 1.576 1.802 1.884 2.021 2.05945.878 68.484 85.814 83.519 87.048 91.020 92.175 95.414 97.762 100.614 97.028 100.160 103.980 106.013 111.428

58.598 79.987 101.601 105.034 111.216 113.602 114.959 118.773 121.830 125.573 122.878 127.018 131.776 136.113 142.548

316.043 371.058 426.881 438.245 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835


2 0 0 3Des Des 2 0 0 4


83

Milyar Rp

Tabel 9.10 Kredit Bank Persero Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

510 635 990 975 768 892 996 1.151 1.089 1.107 1.226 1.177 1.146 1.436 1.4036.415 7.736 8.860 8.768 7.600 7.705 7.643 7.401 7.454 7.916 11.554 11.576 12.058 10.495 11.149

52.659 68.033 75.148 77.366 75.366 72.584 73.687 76.019 76.243 77.965 83.480 82.305 84.905 87.517 88.647

59.584 76.404 84.998 87.109 83.734 81.181 82.326 84.571 84.786 86.988 96.260 95.058 98.109 99.448 101.198

505 196 449 657 472 207 221 226 246 243 314 315 330 76 777.477 6.842 6.395 6.744 6.155 6.214 6.173 6.090 6.080 5.823 6.993 6.865 7.023 5.758 5.727

31.385 37.738 43.934 44.780 43.021 44.021 44.394 45.394 45.880 48.559 48.989 49.733 50.499 50.916 51.214

39.367 44.776 50.778 52.181 49.648 50.442 50.788 51.709 52.206 54.625 56.296 56.913 57.851 56.750 57.018

6.465 3.111 3.927 9.452 9.879 9.771 9.742 9.733 9.740 9.817 9.863 9.995 10.055 10.077 10.202190 303 500 227 234 262 272 296 324 370 388 430 459 1.939 1.944141 109 147 186 2.159 298 198 228 221 238 308 442 508 589 578

15.749 25.930 32.191 27.665 31.482 34.205 34.493 36.201 37.602 39.291 34.111 35.452 37.158 37.106 39.699

22.545 29.453 36.766 37.529 43.755 44.536 44.705 46.458 47.887 49.716 44.670 46.318 48.181 49.712 52.424

121.496 150.633 172.541 176.819 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640


2 0 0 3Des Des 2 0 0 4


84

Milyar Rp

Tabel 9.11 Kredit BUSN Devisa Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

507 981 1.035 1.063 1.400 1.400 1.751 1.732 1.472 1.543 1.496 1.446 1.564 1.392 1.3231.091 840 557 587 617 603 722 479 503 543 651 684 734 763 745

53.075 69.363 83.736 84.392 87.209 81.843 82.117 82.815 85.262 89.714 93.054 90.841 93.830 97.546 99.591

54.673 71.184 85.327 86.041 89.225 83.846 84.589 85.027 87.236 91.800 95.201 92.971 96.129 99.701 101.659

1.068 685 731 887 1.090 2.481 2.490 2.519 2.655 2.517 2.542 2.503 2.802 2.356 2.1282.121 1.992 1.639 1.662 1.652 1.809 1.936 1.759 1.822 1.751 1.861 1.837 1.907 1.932 1.984

21.561 26.759 31.478 32.756 33.232 32.851 32.789 33.920 35.505 37.861 39.365 39.668 40.564 41.646 42.397

24.750 29.436 33.848 35.304 35.974 37.141 37.215 38.198 39.983 42.129 43.769 44.008 45.273 45.933 46.509

1.698 2.102 2.440 2.505 2.580 2.671 2.743 2.837 2.921 3.037 3.110 3.223 3.397 3.529 3.6492.696 4.217 6.590 6.860 7.000 7.216 7.401 7.753 8.225 8.800 9.378 9.822 10.423 10.928 11.644

308 495 807 879 902 927 951 991 1.041 1.065 1.134 1.175 1.243 1.277 1.31311.454 18.285 23.014 24.244 24.277 24.463 24.735 25.412 25.866 26.011 27.074 28.268 29.456 30.123 31.683

16.156 25.099 32.850 34.488 34.760 35.277 35.829 36.993 38.053 38.913 40.697 42.489 44.519 45.857 48.289

95.579 125.719 152.025 155.833 159.959 156.264 157.634 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.456


2 0 0 3Des Des 2 0 0 4


85

Milyar Rp

Tabel 9.12 Kredit BUSN Non Devisa Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

61 90 103 125 133 134 127 135 124 126 130 152 141 134 119226 386 271 303 284 294 307 308 328 354 372 373 382 410 387

3.676 4.586 5.611 5.813 6.028 6.044 6.053 5.288 6.250 5.345 5.346 5.370 5.514 5.676 5.519

3.963 5.062 5.985 6.241 6.444 6.472 6.487 5.731 6.702 5.824 5.847 5.895 6.036 6.220 6.025

30 15 47 45 44 42 41 39 39 38 37 18 19 19 1893 139 188 189 187 187 186 223 232 231 230 230 230 230 230

1.235 973 1.301 1.371 1.522 1.564 1.617 1.645 1.623 1.576 1.606 1.654 1.632 1.657 1.670

1.358 1.127 1.536 1.605 1.752 1.793 1.844 1.908 1.894 1.844 1.873 1.902 1.881 1.906 1.918

245 197 211 225 233 231 232 237 233 234 233 235 235 235 238227 218 304 317 318 321 338 360 372 383 386 420 440 460 466103 28 55 55 57 60 59 59 59 59 58 53 57 56 57

3.851 4.941 5.806 5.926 5.722 5.963 6.035 6.163 6.161 6.099 6.089 6.194 6.429 6.519 6.804

4.426 5.384 6.377 6.523 6.330 6.575 6.664 6.819 6.825 6.775 6.766 6.902 7.161 7.269 7.566

9.747 11.573 13.897 14.370 14.526 14.840 14.995 14.457 15.422 14.443 14.487 14.699 15.078 15.396 15.510


2 0 0 3Des Des 2 0 0 4


86

Milyar Rp

Tabel 9.13 Kredit BPD Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

28 76 98 96 75 76 80 62 59 66 101 125 123 108 9272 81 130 128 121 119 120 76 108 72 69 70 80 74 73

3.392 5.640 8.293 8.179 7.293 7.744 7.919 8.363 8.529 8.933 9.247 9.321 9.644 9.901 10.153

3.492 5.797 8.521 8.403 7.488 7.940 8.120 8.501 8.697 9.070 9.418 9.516 9.847 10.083 10.318

25 30 61 62 71 72 75 77 68 70 71 73 69 68 64171 159 149 149 143 113 113 108 111 111 113 106 106 107 108

1.066 2.007 2.713 2.824 2.875 2.850 2.834 2.842 2.932 2.945 3.004 3.056 3.108 3.101 3.187

1.262 2.196 2.923 3.034 3.089 3.036 3.021 3.027 3.110 3.125 3.188 3.235 3.284 3.276 3.359

272 279 326 334 334 340 342 336 403 406 479 487 455 456 45226 46 94 94 85 94 94 102 99 98 102 104 103 103 10553 74 49 52 58 60 75 89 94 113 74 131 74 96 108

10.291 13.104 17.084 17.444 17.294 17.822 18.248 18.834 19.422 19.959 20.396 20.914 21.386 21.928 22.574

10.642 13.503 17.553 17.925 17.771 18.316 18.758 19.361 20.018 20.576 21.052 21.635 22.017 22.584 23.240

15.396 21.496 28.997 29.362 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.917


2 0 0 3Des Des 2 0 0 4


87

Milyar Rp

Tabel 9.14 Kredit Bank Campuran Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

84 103 139 145 119 148 134 135 137 141 140 152 141 139 140624 547 737 715 622 680 603 500 511 514 622 704 779 818 753

21.547 1.869 18.785 19.265 19.070 18.804 18.697 18.895 19.241 20.564 21.183 21.300 22.472 22.748 23.433

22.255 2.519 19.661 20.125 19.812 19.633 19.434 19.531 19.889 21.218 21.945 22.155 23.392 23.705 24.325

363 375 219 220 144 218 187 189 190 199 146 141 164 164 173544 471 580 581 598 599 557 603 632 626 579 557 568 497 482

5.612 4.343 3.562 3.569 3.418 3.820 3.768 3.726 3.793 3.836 3.761 3.653 3.486 2.969 3.015

6.519 5.189 4.361 4.370 4.159 4.637 4.512 4.518 4.615 4.661 4.485 4.351 4.219 3.630 3.670

8 14 18 18 18 18 19 18 18 20 21 21 21 21 2118 19 38 37 38 38 37 37 37 39 39 40 43 42 47

1 - - - - - 1 1 1 1 1 1 1 1 2345 543 763 797 949 1.008 992 1.001 1.024 1.052 1.062 1.092 1.109 1.064 1.102

372 576 820 852 1.004 1.064 1.049 1.057 1.081 1.111 1.123 1.154 1.174 1.129 1.172

29.146 8.284 24.842 25.347 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.167


2 0 0 3Des Des 2 0 0 4


88

Milyar Rp

Tabel 9.15 Kredit Bank Asing Berdasarkan Jenis Penggunaan

Jenis Penggunaan


Total Modal Kerja


Total Investasi


Total Konsumsi

Total

116 90 81 81 61 61 60 60 61 64 64 62 61 59 5936 43 26 28 17 24 29 19 25 15 16 11 14 16 16

37.368 28.612 26.070 27.544 26.733 27.463 26.588 26.743 27.519 28.148 28.778 28.794 30.854 29.865 29.865

37.520 28.745 26.176 27.652 26.810 27.548 26.676 26.822 27.604 28.228 28.859 28.868 30.929 29.940 29.940

168 139 131 132 109 - - - - - - - - 0 0413 118 72 72 70 67 67 65 61 52 53 93 96 93 93

2.003 1.368 963 940 974 989 1.004 999 996 1.089 1.315 1.665 1.799 1.727 1.727

2.584 1.625 1.166 1.144 1.153 1.056 1.071 1.064 1.057 1.141 1.368 1.759 1.894 1.820 1.820

57 37 29 29 28 27 27 25 25 24 23 22 22 21 21210 251 250 245 243 246 254 255 254 255 251 257 259 267 267

2 1 2 2 1 1 1 1 1 1 1 1 1 1 14.187 5.680 6.955 7.442 7.324 7.560 7.672 7.803 7.686 8.203 8.295 8.240 8.442 9.273 9.273

4.456 5.969 7.236 7.717 7.597 7.835 7.954 8.085 7.966 8.482 8.570 8.520 8.724 9.561 9.561

44.560 36.339 34.578 36.513 35.560 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 41.322


2 0 0 3Des Des 2 0 0 4


89

Milyar Rp


2 0 0 3

Tabel 9.16 Kredit Berdasarkan Lokasi Penyaluran


2004


Total

26.235 32.613 39.613 40.635 40.293 40.635 41.170 42.243 35.885 36.804 37.980 38.762 39.465 40.494 41.4697.014 7.205 7.203 7.484 7.919 7.964 8.225

175.354 200.113 227.293 234.033 235.397 234.033 234.012 233.531 239.827 250.029 257.305 257.738 266.468 267.621 273.1551.773 2.399 2.781 2.837 2.922 2.837 2.902 3.324 3.455 3.463 3.687 3.710 3.887 4.004 4.117

17.906 22.770 24.569 25.398 24.677 25.398 25.240 27.818 28.200 28.851 29.573 29.853 31.222 31.983 32.66929.817 33.806 39.202 40.363 40.821 40.363 39.852 41.579 42.325 43.489 45.387 45.410 47.660 49.268 51.519

507 656 857 885 895 885 930 978 1.031 1.089 1.129 1.151 1.167 1.176 1.2211.262 1.691 2.318 2.347 2.378 2.347 2.370 2.361 2.425 2.511 2.577 2.597 2.663 2.712 2.7691.113 1.602 2.072 2.079 1.852 2.079 2.184 2.309 2.332 2.429 2.502 2.533 2.554 2.820 3.021

12.426 17.966 18.405 18.930 19.745 18.930 19.756 20.336 20.720 21.296 22.090 22.532 23.163 23.882 24.0743.346 4.090 5.167 5.294 5.526 5.294 5.548 5.881 6.032 6.230 6.428 6.138 6.295 6.380 6.5827.803 8.839 10.654 10.784 10.936 10.784 10.985 11.186 11.355 11.548 12.303 12.293 12.864 13.180 13.4044.544 5.887 6.801 6.886 6.918 6.886 6.829 6.875 6.422 6.594 6.492 6.658 6.837 6.973 7.149

605 597 631 660 783 826 9192.207 2.824 3.297 3.381 3.520 3.381 3.456 3.686 3.839 3.937 4.057 4.100 4.242 4.414 4.5193.342 3.215 3.584 3.589 3.576 3.589 3.491 3.466 3.546 3.877 4.060 3.972 4.169 4.274 4.3921.649 2.293 3.027 3.065 2.688 3.065 3.274 3.310 3.435 3.546 3.672 3.627 3.673 3.766 3.8652.931 4.016 5.363 5.498 5.691 5.498 5.841 6.139 6.472 6.896 7.168 7.323 7.578 7.869 8.124

821 1.039 1.305 1.355 1.276 1.355 1.386 1.416 1.446 1.477 1.486 1.519 1.561 1.613 1.651839 1.202 1.657 1.687 1.793 1.687 1.803 1.922 1.952 1.963 2.063 2.086 2.158 2.267 2.334

4.788 6.916 8.708 8.750 8.941 8.750 9.170 9.598 9.746 10.075 10.308 10.385 10.607 10.840 11.1111.725 2.122 3.016 3.039 3.077 3.039 3.182 3.317 2.813 2.895 2.963 2.959 3.036 3.127 3.218

548 560 598 608 636 671 706538 737 976 995 993 995 999 1.047 1.071 1.103 1.122 1.104 1.137 1.168 1.213

1.047 1.446 1.821 1.809 1.782 1.809 1.858 2.030 2.127 2.149 2.164 2.199 2.236 2.285 2.3345.008 5.864 6.541 6.673 6.625 6.673 6.556 6.591 6.554 6.708 6.854 6.938 7.088 7.191 7.317

982 1.202 1.597 1.607 1.634 1.607 1.665 1.736 1.798 1.892 1.740 1.804 1.880 1.958 2.029225 363 391 410 414 410 418 442 448 447 458 508 530 551 573782 1.075 1.567 1.559 1.564 1.559 1.567 1.644 1.724 1.772 1.826 1.880 1.940 2.005 2.038131 145 238 239 246 239 245 254 264 271 282 285 288 300 310

6.827 4.165 4.059 4.118 4.324 4.118 4.353 4.303 4.130 4.456 4.773 4.834 4.914 4.849 4.805

315.928 371.058 426.881 438.245 440.505 438.245 441.043 449.321 459.541 476.157 490.880 493.648 510.621 518.432 530.835

Ket: data kredit berdasarkan lokasi penyaluran pada bulan april, mei, juni, september berbeda pada data kredit pada tabel yang lain disebabkan karena adanya koreksi data


90

Milyar Rp

Tabel 9.17 Penerusan Kredit (Off Balancesheet) Berdasarkan Sektor Ekonomi

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

2 0 0 3Des Des 2 0 0 4


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha

9.Jasa sosial/masyarakat

10. Lain-lain

Total

7.554 8.486 7.901 8.623 7.843 8.168 8.173

1.280 1.153 1.082 1.085 1.055 1.059 1.067

2.714 2.831 2.055 2.073 2.071 2.069 2.030

15.791 13.513 13.328 13.381 11.512 11.490 11.198

495 419 2.308 2.299 2.351 2.319 2.315

297 362 404 411 339 317 283

8.014 7.672 5.303 5.190 5.204 5.145 5.111

188 316 468 489 591 605 603

131 133 302 175 155 166 166

6.140 4.345 3.520 3.693 5.480 5.379 5.323

42.603 39.230 36.671 37.417 36.601 36.717 36.270

8.180

1.079

2.056

11.192

2.331

292

5.254

602

161

5.381

36.530

8.264

1.161

2.151

11.131

2.475

289

5.334

611

171

5.607

37.194

8.226

1.094

2.061

11.180

2.391

287

5.147

614

169

5.290

36.460

8.249

1.178

2.170

10.423

3.102

309

5.359

734

174

5.594

37.291

8.285

1.121

2.128

10.256

3.129

298

5.167

597

173

5.379

36.532

8.248

1.158

2.152

10.280

2.442

306

5.258

585

178

6.304

36.911

8.249

1.132

2.127

10.182

2.401

318

5.172

582

179

5.704

36.048

8.297

1.124

2.123

10.143

2.330

310

5.154

588

182

6.177

36.428


91

Milyar Rp

Tabel 9.18 Penerusan Kredit (Off Balancesheet) Berdasarkan Jenis Kredit dan Golongan Penyalur

Berdasarkan Jenis Kredit

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

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

3. Mudharabah Muqayaddah

Berdasarkan Golongan Penyalur

1. Koperasi2. Lembaga Swadaya Masyarakat3. Swasta Lainnya

Total

4.715 4.229 3.142 3.100 2.926 2.917 2.9262.470 3.834 4.844 4.836 4.331 2.424 2.204

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

3.140 3.064 2.970 3.013 3.050 3.019 2.945619 638 615 678 766 769 498

- 18 52 58 50 50 48

7.088 4.286 3.742 3.749 3.702 4.377 4.356656 705 651 650 1.574 2.108 2.171

34.859 34.238 32.278 33.018 31.326 30.232 29.743

42.603 39.229 36.671 37.417 36.601 36.717 36.270


2 0 0 3Des Des 2 0 0 4

2.8712.166

27.870602

3.085499

100

4.4442.362

30.388

37.194

2.9092.138

27.312592

2.954524

101

4.4452.211

29.873

36.530

2.8912.143

27.280601

2.947499

99

4.4572.280

29.724

36.460

2.8852.137

27.976604

3.089498

102

4.4082.374

30.509

37.291

2.8472.141

27.304602

3.088498

52

4.3982.347

29.786

36.532

2.8492.138

27.659602

3.058499

106

4.3892.373

30.149

36.911

2.9338.325

21.062601

2.523497

106

5.393644

30.010

36.048

2.9342.203

27.038600

3.005 494

152

4.4202.318

29.690

36.428


92

Tabel 10.1 Perkembangan Jumlah Bank dan Kantor Bank Umum

5 5 5 5 5 5 5 5 5 5 5 5 5 5 51807 1885 2046 2056 2072 2078 2076 2079 2078 2099 2102 2109 2115 2133 2149

38 36 36 36 36 36 36 36 35 35 35 35 35 35 353432 3565 3775 3805 3829 3842 3837 3854 3842 3872 3873 3891 3936 3998 4016

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

556 528 690 698 700 703 704 709 703 698 699 698 698 698 720

26 26 26 26 26 26 26 26 26 26 26 26 26 26 26857 909 989 990 1003 1009 1027 1036 1042 1049 1049 1051 1051 1061 1073

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

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

145 141 138 138 138 138 138 138 136 136 136 136 136 136 1366765 7001 7626 7676 7730 7759 7771 7803 7791 7843 7848 7873 7927 8020 8088

Bank PerseroJumlah BankJumlah Kantor

BUSN DevisaJumlah BankJumlah Kantor

BUSN Non DevisaJumlah BankJumlah Kantor

BPDJumlah BankJumlah Kantor

Bank CampuranJumlah BankJumlah Kantor

Bank AsingJumlah BankJumlah Kantor

TotalJumlah BankJumlah Kantor


2 0 0 3Des Des 2 0 0 4

Ket : Data kelompok Bank Campuran pada bulan Oktober 2004 masih termasuk PT. Ing Indonesia Bank

bab 2 = 5-10

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