bab 2 = 5-10 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

TAH

UN

200

4

i

I. DAFTAR ISI i

II. PENJELASAN ii

III. DAFTAR SINGKATAN iv

IV. DAFTAR ISTILAH v

V. DAFTAR RASIO vi

VI. DAFTAR TABEL viii

VII. KONDISI UMUM 1

VIII. DATA 5

DAFTAR ISI

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 Desember 2004 untuk buku Data Perbankan Indonesia Edisi Desember

2004 dilakukan pada tanggal 26 Januari 2005.

8. Jumlah Bank Umum Pelapor LBU untuk bulan laporan Desember 2004 sebanyak 133 bank.

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

(www.bi.go.id).

10. Sehubungan dengan Bencana Alam di Propinsi Nangroe Aceh Darussalam dan Kab. Nias, terdapat

beberapa kantor Bank Pelapor yang tidak dapat mengirimkan Laporan Bulanan sehingga disubtitusi

dengan data laporan bulan November 2004.

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 Kredit 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

b. Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan Wilayah 10.2

1

Kondisi Umum

KONDISI UMUM

KEGIATAN USAHA

Perkembangan kegiatan usaha Bank Umum

sampai dengan akhir tahun 2004 menunjukkan

kondisi yang membaik. Kegiatan penyaluran dana

Bank Umum selama tahun 2004 mengalami

peningkatan yang signifikan dibandingkan tahun lalu.

Penyaluran kredit posisi Desember 2004 mengalami

peningkatan sebesar Rp 118,97 triliun atau 27% dari

periode yang sama tahun lalu. Peningkatan jumlah

penyaluran kredit ini juga didukung oleh penurunan

jumlah Non Performing Loan (NPL), pada bulan

Desember 2004 jumlah NPL sebesar Rp 25,17 triliun.

Jumlah NPL ini turun sebesar Rp 4,6 triliun atau

sebesar 15,7% dibandingkan bulan Desember 2003

yang sebesar Rp29,87 triliun. Seiring dengan

peningkatan jumlah kredit dan penurunan jumlah

NPL, rasio NPL bulan Desember ini turun sebesar 2,8

point dari tahun lalu menjadi 4,5%. (lihat grafik

perkembangan kredit Bank Umum)

Dilihat dari jenis penggunaannya, kredit

modal kerja masih mendominasi dari keseluruhan

penyaluran kredit, yaitu mencapai 52% dari total

kredit atau sebesar Rp 289,67 triliun. Kredit investasi

dan kredit konsumsi masing-masing sebesar Rp 118,7

triliun dan Rp 151 triliun (lihat grafik perkembangan

kredit berdasarkan jenis penggunaan).

Peningkatan juga terjadi pada pos

Penempatan di BI, pada Desember 2003 yang lalu

Penempatan di BI masih sebesar Rp 188,73 triliun

dan pada Desember 2004 ini sudah mencapai Rp

207,9 triliun. Giro dan SBI meningkat cukup besar

yaitu mencapai Rp 10,5 triliun dan Rp 10,1 triliun

dari bulan lalu. Sedangkan, Call Money dan

Penempatan lain hanya meningkat tipis yaitu sebesar

Rp 1,67 triliun dan Rp 236 milyar. Dilihat dari grafik

Perkembangan Penempatan di BI, pergerakan SBI

dan Call Money saling berlawanan sehingga

Penempatan di BI secara keseluruhan tidak

mengalami banyak perubahan.

GrafikPerkembangan Kredit Bank Umum

0

100.000

200.000

300.000

400.000

500.000

600.000

0,00

2,00

4,00

6,00

8,00Milyar Rp (kredit, NPL) Persen (rasio NPL)

2004Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nop Des

Kredit NPL Rasio NPL

440.505

559.470

29.865 25.174

Milyar Rp

0

100.000

200.000

300.000

400.000

500.000

600.000

Desember Desember2003 2004

Kredit NPL

2

Kondisi Umum

Desember ini meningkat cukup tinggi yaitu masing-

masing meningkat Rp 17 triliun dari bulan lalu.

Sedangkan, Giro hanya mengalami peningkatan

tipis yaitu sebesar Rp 1,8 triliun dari bulan lalu (lihat

grafik Perkembangan DPK Bank Umum). Dilihat

dari jenis mata uang, DPK dalam Rupiah meningkat

sebesar Rp 36,37 triliun dari bulan lalu, sedangkan

DPK dalam valuta asing mengalami penurunan

sebesar Rp 5,7.

GrafikKomposisi Kredit Berdasarkan Jenis Penggunaan

Ditinjau dari sisi pengumpulan dana, jumlah

DPK terus meningkat dari waktu ke waktu. Pada

akhir tahun 2004, DPK yang dihimpun Bank Umum

mencapai Rp 963 triliun atau meningkat sebesar

8% dari tahun lalu. Tabungan dan Deposito bulan

GrafikPerkembangan Penempatan di BI

GrafikPerkembangan DPK Bank Umum

Di sisi perkembangan aset Bank Umum, pada

tahun 2004 ini Aset Bank Umum mengalami

peningkatan yang cukup tinggi yaitu mencapai Rp

58,56 triliun atau 4,82% dari tahun lalu. Kelompok

Bank yang mengalami peningkatan jumlah asset

tertinggi adalah BUSN Devisa yang mencapai Rp

57,96 triliun, disusul Bank Asing sebesar Rp 17,13

triliun, BPD sebesar Rp 12,06 triliun, terakhir Bank

Campuran sebesar Rp 10,73 triliun. Sedangkan,

kelompok Bank Persero dan BUSN non Devisa justru

tahun ini mengalami penurunan jumlah asset. Aset

Bank Persero berkurang sebesar Rp 37,15 triliun dan

aset BUSN non Devisa berkurang sebesar Rp 2,18

triliun dibandingkan aset pada tahun lalu. (lihat grafik

perkembangan aset bank)

Milyar Rp160000

140000

120000

100000

80000

60000

40000

20000

0Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Sep Des

2004Giro SBI Call Money Lainnya

53%22%

25%

52%21%

27%

Kredit Modal Kerja Kredit Investasi Kredit Konsumsi

2004Jan Mar Mei Jul Sep Nop

0

900.000800.000700.000600.000500.000400.000300.000200.000100.000

Deposito TabunganGiro

3

Kondisi Umum

KINERJA

Kinerja Bank Umum sampai dengan akhir

tahun 2004 menunjukkan kemajuan yang lebih

baik. Beberapa indikator kinerja cenderung stabil

dan begerak ke arah yang lebih baik. Indikator

kinerja KAP menunjukkan perkembangan yang

lebih baik dibandingkan bulan lalu, pada bulan

Desember ini KAP sebesar 3,05%. Perkembangan

yang lebih baik juga ditunjukkan oleh indikator LDR

yang pada bulan ini sebesar 49,95 %. Sedangkan

indikator CAR selama tahun 2004 ini terus

menurun, namun masih jauh diatas CAR minimum

yang disyaratkan BI. Pada bulan ini CAR Bank

Umum sebesar 19,42%. (lihat grafik perkembangan

beberapa indikator kinerja bank )

Indikator kinerja rentabilitas Bank Umum

menunjukkan perkembangan yang positif. Selama

tahun 2004 , indikator ROA dan NIM terus

mengalami peningkatan. Pada bulan Desember ini

indikator ROA menunjukkan angka sebesar 3,46%

atau meningkat sebesar 0,43 point dibandingkan

GrafikPerkembangan Asset bank

bulan lalu. Indikator NIM juga mengalami

peningkatan sebesar 0,57 point menjadi 6,40%.

Kinerja Bank Umum dalam efisiensi juga

mengalami peningkatan, indikator BOPO dari bulan

ke bulan selama tahun ini terus mengalami

penurunan. Pada bulan Desember ini indikator

BOPO turun sebesar 4,14 point dari bulan lalu

menjadi 76,64%. (lihat grafik perkembangan

indikator rentabilitas Bank Umum).

Grafik PerkembanganBeberapa Indikator Kinerja Bank Umum

Grafik PerkembanganIndikator Rentabilitas Bank Umum

Milyar Rp0 200.000 400.000 600.000 800.000 1.000.000 1.200.000 1.400.000

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Bank Umum

Desember 2003 Desember 20042004

Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nop Des

52,00

50,00

48,00

46,00

44,00

42,00

40,00

38,00

25,00

20,00

15,00

10,00

5,00

0,00

CAR KAP LDR

Persen (CAR, KAP) Persen (LDR)

Persen (NIM,ROA) Persen (BOPO)7,00

6,00

5,00

4,00

3,00

2,00

1,00

0,00

100,00

80,00

60,00

40,00

20,00

0,00

2004Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nop Des

NIM ROA BOPO

4

Kondisi Umum

Dapat dilihat bahwa efisiensi yang

ditunjukkan oleh rasio BOPO, sejalan dengan

peningkatan laba operasional Bank Umum.

Selama tahun 2004 ini laba operasional Bank

Umum meningkat sebesar Rp 20,98 triliun

dibandingkan tahun lalu. Laba operasional

kelompok Bank Persero mengalami peningkatan

tertinggi yaitu mencapai Rp 13,7 triliun, disusul

oleh BUSN Devisa sebesar Rp 4, 36 triliun, Bank

Asing sebesar Rp 1,95 triliun, BPD sebesar Rp 669

milyar, Bank Campuran sebesar Rp 268 milyar,

terakhir BUSN non Devisa sebesar Rp 23 milyar.

GrafikPerkembangan Laba Operasional Bank

(lihat grafik Perkembangan Laba Operasional Bank).

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Bank Umum

Milyar RpDesember 2003 Desember 2004

0 5.000 10.000 15.000 20.000 25.000 30.000 35.000 40.000

Data Perbankan Indonesia - Desember 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 2003 Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des

316.059 371.058 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835 536.944 559.470203.251 272.689 340.347 335.952 339.008 345.595 353.747 362.758 376.041 380.330 392.699 404.184 416.716 422.159 438.645112.808 98.368 100.158 102.373 102.036 103.782 105.864 113.468 115.346 113.318 117.922 114.342 114.118 114.785 120.825149.354 124.553 112.183 103.184 102.843 100.171 91.751 108.713 100.208 98.752 97.759 100.244 101.245 103.423 103.47314.648 11.233 7.183 7.260 8.018 9.048 6.541 8.821 8.753 7.136 7.392 7.634 6.779 6.847 7.80760.892 52.366 47.696 48.592 49.621 47.061 41.258 54.064 48.704 45.725 43.486 45.021 49.642 49.414 40.84033.717 25.495 21.552 14.832 13.473 13.699 12.691 12.072 12.387 12.196 12.330 13.256 13.075 13.608 20.11040.097 35.459 35.752 32.500 31.731 30.363 31.261 33.756 30.364 33.695 34.551 34.333 31.749 33.554 34.716

134.283 153.760 188.732 204.331 200.463 192.629 183.520 186.109 192.090 194.805 194.913 194.228 185.247 185.315 207.94441.301 45.805 61.455 46.466 47.054 46.451 45.788 46.085 47.681 67.310 65.088 65.042 67.475 66.539 77.13074.296 76.859 101.374 130.395 136.763 133.238 120.259 106.721 110.610 103.490 110.180 63.135 100.016 83.925 94.05816.225 30.443 18.725 20.553 11.265 11.029 15.673 29.306 27.544 20.360 17.631 56.118 16.344 30.212 31.8822.461 653 7.179 6.917 5.381 1.910 1.800 3.997 6.255 3.645 2.015 9.933 1.411 4.639 4.875

33.972 32.931 34.980 36.626 33.522 34.199 34.028 40.688 44.784 42.497 38.561 36.416 36.524 35.264 37.7882.997 5.143 5.892 5.969 6.002 6.062 6.836 6.912 7.090 7.123 7.169 7.192 7.098 7.141 6.160

20.115 11.440 14.439 12.860 14.719 14.410 15.459 16.593 16.558 15.651 16.267 17.040 16.660 17.112 18.136

797.362 835.778 888.567 886.459 877.107 875.132 872.906 895.117 912.787 909.471 919.251 926.433 928.016 932.500 963.106636.153 687.394 742.619 738.650 730.673 728.191 729.653 741.595 759.629 759.163 766.781 774.241 777.021 781.838 818.208119.995 130.238 150.117 145.598 152.815 154.194 147.440 157.000 163.310 163.593 166.996 164.999 164.893 168.985 170.843344.854 364.567 351.840 350.161 334.828 327.640 331.645 330.720 336.541 333.116 335.141 339.099 337.986 334.240 351.460171.304 192.589 240.663 242.892 243.030 246.356 250.568 253.875 259.779 262.455 264.644 270.143 274.142 278.613 295.905161.209 148.384 145.948 147.809 146.433 146.941 143.253 153.522 153.158 150.308 152.471 152.192 150.995 150.662 144.89864.874 65.988 67.881 70.511 71.028 71.907 69.464 78.569 80.637 78.621 79.412 79.750 80.053 79.958 74.87995.051 81.624 76.993 76.263 74.376 74.046 72.829 73.982 71.506 70.728 72.377 71.834 70.373 70.182 69.5301.284 772 1.073 1.034 1.030 987 961 971 1.015 958 681 608 569 523 489

15.324 12.795 10.938 10.827 10.743 10.635 10.999 11.272 11.028 10.865 10.762 10.726 11.953 12.342 12.07693.584 81.349 68.611 65.116 65.268 68.034 66.096 69.174 65.632 66.022 70.567 72.667 74.245 76.718 89.3699.626 4.057 10.785 10.811 11.379 11.455 11.658 12.267 12.703 12.699 12.977 13.091 14.761 14.285 14.261

28.717 13.745 7.478 7.491 9.719 9.094 8.606 10.268 9.841 9.416 10.007 10.637 10.489 10.148 9.8029.672 5.284 5.082 5.084 5.122 4.773 4.928 5.662 5.880 6.323 6.110 6.116 6.021 6.341 6.295

19.045 8.461 2.396 2.408 4.596 4.322 3.679 4.606 3.961 3.092 3.896 4.521 4.468 3.807 3.50722.761 14.237 16.737 11.119 11.522 10.999 11.728 14.323 15.808 13.044 11.730 12.133 12.286 12.114 13.7318.041 5.483 3.508 3.227 3.112 2.762 2.902 2.862 3.071 2.720 2.770 3.100 2.992 3.319 3.424

88.078 96.360 90.882 91.282 78.351 77.959 78.351 78.114 78.387 78.438 78.527 63.972 64.089 63.768 64.6123.325 5.062 4.784 3.328 3.230 3.503 3.570 5.007 5.036 5.095 5.112 5.116 5.251 5.269 5.285

12.204 16.537 22.875 3.278 5.947 8.501 10.702 13.554 15.967 18.492 20.560 23.966 25.120 26.833 29.463-320.064 -307.336 -73.113 -24.340 -27.671 -29.336 -32.721 -37.554 -39.735 -41.831 -41.834 -25.997 -26.169 -27.106 -27.173275.755 276.893 57.971 36.790 52.664 52.799 53.355 53.203 52.616 52.351 52.671 53.210 53.930 54.374 53.970

3.611 3.293 3.237 3.242 3.232 3.203 3.295 3.355 3.387 3.355 3.400 3.393 3.395 1.640 1.737

Tabel 1.1 Kegiatan Usaha Bank Umum

Des Des Des 2 0 0 4Indikator


8


RupiahValas








RupiahValas



Milyar Rp


121.496 150.632 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640 213.273 222.85583.288 109.704 134.104 132.826 134.521 138.894 140.447 143.438 148.757 149.972 153.826 157.076 162.134 164.026 171.42738.208 40.928 43.033 43.333 43.298 43.844 44.432 47.891 48.469 48.317 50.315 48.833 48.506 49.247 51.42941.528 32.559 28.119 27.568 29.535 28.810 29.105 29.351 23.536 23.970 21.840 26.044 27.419 26.946 28.865

7.772 5.031 1.810 2.266 2.909 1.817 2.130 3.121 3.201 2.464 2.629 2.959 2.587 2.169 2.7839.433 10.493 11.114 12.504 13.848 15.536 14.875 14.846 10.527 12.121 8.871 12.970 12.810 12.426 11.758

12.211 6.206 5.013 2.760 3.285 2.871 4.035 3.410 3.352 3.360 3.500 2.715 3.704 3.391 3.55112.112 10.830 10.182 10.038 9.493 8.586 8.065 7.974 6.456 6.025 6.840 7.400 8.318 8.960 10.77359.221 45.148 56.762 58.546 60.788 56.052 50.224 48.337 54.152 56.454 57.825 55.302 52.045 55.826 64.31219.263 20.830 31.336 20.600 20.888 20.979 20.059 20.233 19.672 31.941 29.426 28.921 29.873 29.759 35.50031.583 7.422 14.909 30.653 34.434 32.404 28.247 21.069 21.737 16.944 25.038 8.720 17.193 11.405 15.991

8.271 16.743 5.598 2.728 2.162 1.830 1.304 5.000 7.650 5.150 2.778 12.355 4.899 11.320 9.981105 153 4.918 4.565 3.304 838 613 2.035 5.093 2.418 583 5.307 80 3.342 2.840

8.527 9.565 8.728 11.370 8.381 8.679 9.744 11.527 11.703 13.083 12.552 11.987 11.879 11.684 12.3841.710 3.748 4.733 4.789 4.808 4.801 4.808 4.811 4.782 4.787 4.801 4.814 4.786 4.802 3.758

11.420 4.629 7.463 5.713 7.377 7.539 7.950 7.709 7.637 7.136 7.524 8.199 8.000 7.760 8.440

364.206 370.542 368.479 365.553 360.877 359.990 359.504 361.118 365.152 361.013 361.387 363.127 364.064 365.207 375.731314.007 323.252 322.981 321.243 317.573 317.290 317.520 317.518 321.867 318.718 319.255 317.569 319.433 321.730 333.32850.780 51.157 59.839 58.737 61.358 63.301 61.914 65.123 66.373 66.532 66.529 64.252 63.733 64.915 63.449

183.582 181.524 149.656 147.695 141.291 136.443 136.337 131.619 132.482 128.293 127.927 125.895 126.770 125.330 128.83179.645 90.571 113.486 114.811 114.924 117.547 119.268 120.776 123.012 123.893 124.798 127.423 128.930 131.485 141.04850.199 47.290 45.498 44.310 43.305 42.699 41.984 43.600 43.285 42.296 42.132 45.557 44.631 43.477 42.40313.408 15.860 17.297 18.020 17.931 17.522 17.507 19.742 19.955 19.519 19.395 22.525 22.409 21.267 19.76236.629 31.372 28.114 26.205 25.285 25.066 24.352 23.729 23.193 22.626 22.596 22.894 22.085 22.089 22.519

162 59 88 85 89 111 125 129 137 151 141 138 137 121 1239.402 7.205 5.914 5.696 5.721 5.665 6.024 6.298 6.090 5.972 5.935 5.899 5.827 7.602 7.486

51.405 49.613 35.333 32.635 33.306 33.066 32.422 32.154 30.596 29.382 30.554 32.530 32.593 34.494 43.5998.360 2.608 7.124 7.131 7.726 7.766 7.881 8.472 8.406 8.264 8.570 8.576 9.456 9.301 9.259

26.373 11.855 5.537 5.509 7.728 7.564 6.811 8.473 7.927 7.704 8.154 8.440 8.375 7.805 7.4178.728 4.546 3.929 3.897 3.907 3.873 3.738 4.479 4.590 5.042 4.845 4.810 4.663 4.749 4.645

17.645 7.309 1.608 1.612 3.821 3.691 3.072 3.993 3.338 2.662 3.309 3.631 3.712 3.056 2.77312.904 4.992 8.676 4.196 4.145 4.050 4.201 4.026 6.448 5.355 3.748 4.282 4.123 3.931 4.539

1.183 1.295 1.312 1.309 1.341 1.346 1.304 1.300 1.333 1.350 1.463 1.487 1.494 1.577 1.955

46.335 46.336 40.136 40.136 27.175 27.175 27.175 27.175 27.175 27.209 27.227 27.222 27.253 27.276 27.2841.684 2.807 2.019 562 577 577 612 1.512 1.880 1.883 1.880 1.880 1.862 1.880 1.8804.735 8.061 11.068 1.568 2.660 3.591 4.443 6.128 7.448 8.347 8.761 10.833 10.686 11.165 12.501

-271.405 -267.868 -42.837 -6.655 -6.695 -6.504 -9.108 -12.703 -14.282 -14.275 -14.275 -14.272 -14.253 -14.276 -14.278240.899 244.222 35.512 10.884 23.374 23.770 23.911 24.392 23.858 23.372 23.613 23.728 24.594 24.983 25.133

3.159 2.966 2.892 2.896 2.897 2.911 2.928 3.005 3.022 2.990 3.019 2.989 2.981 1.220 1.255

Tabel 1.2 Kegiatan Usaha Bank Persero



9


RupiahValas








RupiahValas



Milyar Rp

95.580 125.901 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.454 199.640 209.17672.254 106.902 137.791 134.210 135.313 138.599 142.709 148.010 153.993 154.414 159.507 165.870 170.862 173.782 181.83223.327 18.999 22.168 22.054 22.157 21.618 22.563 24.832 25.674 25.054 26.414 25.621 25.592 25.857 27.34443.518 36.383 36.502 33.239 30.167 33.405 27.315 29.989 31.166 30.097 30.030 29.519 30.512 30.169 28.1334.431 3.146 3.605 3.530 3.498 5.797 2.974 3.630 3.696 2.873 3.044 3.011 2.685 2.920 2.951

17.235 15.837 14.196 13.850 11.772 12.042 9.334 10.311 14.687 14.274 13.861 12.688 14.564 14.221 13.0682.417 2.138 3.422 3.229 2.333 3.311 2.438 2.558 2.397 2.733 2.483 3.022 2.718 2.503 2.141

19.435 15.263 15.279 12.630 12.564 12.255 12.569 13.490 10.386 10.217 10.642 10.798 10.545 10.525 9.97348.102 74.321 90.828 99.851 94.105 88.897 83.149 87.579 88.750 91.101 86.729 88.022 84.019 84.949 92.73815.110 17.225 20.274 18.020 17.901 17.638 18.098 18.022 19.533 25.902 26.195 26.522 27.397 27.097 30.34127.217 47.576 62.441 72.435 71.517 67.571 60.620 57.848 60.059 59.722 56.656 36.678 53.890 48.465 53.9035.732 9.519 8.087 9.397 4.688 3.689 4.432 11.578 8.923 5.135 3.588 24.464 2.555 8.929 8.151

43 - 26 - - - - 132 235 342 291 358 178 458 34420.426 17.301 19.496 18.256 18.714 18.787 16.467 20.090 20.542 19.660 19.158 17.450 17.166 17.513 19.0341.009 929 882 892 907 973 1.729 1.740 1.875 1.902 1.935 1.955 1.963 1.986 2.0503.037 2.875 3.985 3.782 3.967 3.683 3.822 4.519 4.717 4.460 4.550 4.686 4.630 4.867 4.827

290.576 321.110 360.536 358.398 351.941 353.903 351.873 361.450 372.690 373.439 377.677 381.887 382.807 386.812 403.530242.029 272.090 309.848 306.916 302.172 302.439 303.658 310.482 319.953 322.630 326.762 332.181 334.645 338.732 357.28836.677 42.553 51.153 48.130 51.898 51.974 47.806 52.151 54.982 53.712 55.655 55.992 56.998 59.382 60.240

125.120 140.505 148.832 147.021 138.362 137.638 140.542 141.699 145.211 147.363 148.582 151.187 150.600 150.579 162.72580.232 89.032 109.863 111.765 111.911 112.827 115.310 116.632 119.760 121.556 122.524 125.001 127.047 128.770 134.32348.547 49.021 50.688 51.482 49.770 51.464 48.215 50.968 52.737 50.809 50.916 49.707 48.162 48.080 46.24224.304 24.944 27.160 28.526 28.196 30.487 27.467 29.876 32.235 31.124 30.825 29.896 29.401 29.214 27.40224.238 24.069 23.516 22.943 21.560 20.960 20.728 21.072 20.478 19.659 20.064 19.785 18.732 18.839 18.812

5 8 12 12 14 17 19 20 23 25 27 26 29 28 285.148 4.925 4.379 4.484 4.382 4.374 4.371 4.372 4.346 4.311 4.250 4.258 4.792 4.241 4.105

22.960 14.449 13.687 12.888 14.243 16.965 15.805 16.221 15.330 16.353 17.602 17.842 18.232 18.553 18.512546 664 2.098 2.113 2.091 2.093 2.178 2.202 2.346 2.484 2.497 2.605 2.632 2.613 2.631904 754 905 904 846 563 852 815 939 945 1.084 1.399 1.395 1.598 1.612531 394 803 801 769 484 773 769 892 899 896 897 896 1.095 1.094373 360 102 103 77 78 79 46 47 46 187 503 499 503 517

4.905 4.360 4.010 4.214 4.586 4.485 5.189 6.412 5.874 5.027 5.044 5.143 5.512 5.643 5.2356.537 3.894 1.699 1.512 1.314 959 1.175 1.064 1.168 737 624 705 733 812 746

1.168 1.168 1.168 1.168 1.168 1.168 1.16827.519 33.345 34.274 34.297 34.258 33.991 34.258 34.260 34.402 34.404 34.404 19.753 19.770 19.781 20.435

796 1.089 1.200 1.200 1.030 1.232 1.264 1.730 1.311 1.311 1.313 1.312 1.461 1.461 1.4613.315 3.366 6.988 816 1.728 2.618 3.374 4.237 5.100 5.980 6.954 7.778 8.442 9.364 10.571

-42.912 -37.833 -28.631 -21.602 -24.873 -26.116 -26.361 -27.010 -27.005 -28.472 -28.401 -12.553 -12.701 -13.577 -13.59034.379 31.035 22.978 23.376 26.740 26.463 26.831 26.294 26.264 26.460 26.501 26.905 26.755 26.779 26.223

169 155 155 155 155 155 155 170 170 170 170 170 170 170 176

Tabel 1.3 Kegiatan Usaha BUSN Devisa

Des Des Des


2 0 0 4Indikator


10


RupiahValas








RupiahValas



Milyar Rp

9.748 11.574 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.497 14.964 15.1019.748 11.574 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.497 14.964 15.101

- - - - - - - - - - - - - - -950 1.006 1.557 1.758 1.511 1.371 1.275 1.230 1.174 1.425 1.270 1.222 1.398 1.277 1.107

47 46 62 48 55 50 43 48 52 51 51 69 55 57 58238 287 251 340 363 391 408 387 397 630 476 395 578 421 215143 270 186 168 56 20 28 22 25 26 24 30 24 28 75522 403 1.058 1.202 1.037 910 796 773 700 718 719 728 741 771 759

3.181 4.414 3.703 3.252 2.827 2.989 3.150 3.313 3.744 3.909 3.936 4.060 3.622 3.514 4.362707 881 983 977 958 945 923 903 983 1.055 1.134 1.155 1.215 1.029 1.265

1.968 2.512 1.908 1.739 1.490 1.724 1.761 1.638 2.133 1.947 1.917 1.779 1.918 1.727 2.260377 1.021 809 526 376 313 443 732 643 873 853 1.093 468 749 867129 - 3 9 2 8 23 40 14 34 31 34 21 10 2 860 1.428 3.033 2.993 1.897 1.721 1.642 1.634 1.512 1.483 1.398 1.446 1.535 754 670

14 14 16 16 17 17 17 17 17 17 17 17 17 17 17212 24 221 248 158 152 151 160 145 123 61 43 114 13 3

13.808 17.050 19.989 19.446 17.967 18.007 17.744 17.791 18.255 18.920 19.114 19.457 19.445 18.400 19.16613.808 17.050 19.989 19.446 17.967 18.007 17.744 17.791 18.255 18.920 19.114 19.457 19.445 18.400 19.166

1.352 1.433 1.718 1.734 1.755 1.848 1.900 1.933 1.848 1.955 2.024 2.022 1.947 1.928 1.90010.690 13.866 16.271 15.611 14.157 14.095 13.805 13.865 14.279 14.832 14.949 15.296 15.272 14.315 15.049

1.766 1.751 2.000 2.101 2.054 2.065 2.039 1.993 2.128 2.133 2.142 2.139 2.226 2.157 2.217- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

193 159 215 215 215 243 253 253 252 250 249 243 237 231 229641 581 1.194 1.669 699 626 503 580 352 355 300 268 311 308 341101 92 417 417 409 426 426 420 420 420 420 420 430 28 28102 85 81 80 79 79 78 77 76 74 73 72 71 71 67102 85 81 80 79 79 78 77 76 74 73 72 71 71 67

- - - - - - - - - - - - - - -490 337 173 186 189 176 209 353 312 248 261 286 303 235 240

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

2.208 1.872 2.137 2.138 2.059 2.055 2.055 2.055 2.152 2.152 2.161 2.161 2.185 1.821 1.839104 100 104 104 104 104 106 106 113 113 113 112 112 113 122273 327 471 35 111 160 222 274 314 363 417 448 509 526 498

-347 -84 49 528 489 470 470 464 429 427 426 423 421 377 35459 15 47 49 22 25 32 26 22 23 23 32 43 48 3881 56 106 106 56 56 56 56 69 69 63 63 63 63 63

Tabel 1.4 Kegiatan Usaha BUSN Non Devisa

Des Des Des

Milyar Rp


2 0 0 4Indikator


11


RupiahValas








RupiahValas



Milyar Rp

15.396 21.498 28.348 29.292 29.899 30.891 31.825 32.772 33.658 34.387 35.148 35.944 36.917 37.223 37.23215.373 21.486 28.332 29.276 29.883 30.872 31.807 32.754 33.639 34.359 35.125 35.921 36.898 37.203 37.209

23 12 16 16 16 17 18 18 19 27 24 23 19 20 2319.099 20.347 14.914 10.896 9.281 9.479 8.105 7.967 9.191 8.476 8.780 9.992 8.977 10.267 15.177

704 2.281 672 675 748 671 576 592 722 813 911 671 634 660 716651 1.103 726 940 844 738 693 596 1.097 773 848 1.058 849 833 535

16.734 16.257 12.609 8.369 6.803 7.180 5.856 5.778 6.338 5.782 6.018 7.181 6.329 7.451 12.4251.011 706 907 912 886 890 980 1.001 1.034 1.108 1.003 1.082 1.165 1.323 1.5016.594 10.026 14.931 15.041 16.735 15.937 15.259 14.891 17.011 17.217 18.559 16.900 15.706 15.189 18.0862.032 2.693 3.360 2.567 2.466 2.585 2.403 2.454 2.778 3.048 3.228 3.268 3.395 3.350 4.0013.026 5.571 7.224 7.633 9.951 10.648 8.896 7.476 10.120 9.914 11.305 6.559 9.943 8.115 8.045

862 1.262 2.124 2.904 2.283 1.676 2.882 3.316 3.239 3.459 3.435 4.647 1.746 3.037 4.468675 499 2.222 1.937 2.036 1.028 1.078 1.646 874 796 590 2.426 622 688 1.573198 420 1.315 1.447 1.395 1.217 1.719 2.094 2.224 2.285 2.394 2.502 2.665 2.216 1.29045 46 12 12 12 12 12 12 12 12 12 12 12 12 1243 - 9 11 2 3 4 5 4 3 4 5 4 3 3

36.968 45.758 51.695 50.015 50.778 50.688 50.062 50.942 55.023 54.866 56.696 57.093 54.939 55.354 59.48636.938 45.717 51.638 49.879 50.695 50.581 49.957 50.822 54.901 54.664 56.600 57.005 54.853 55.267 59.35622.769 25.750 26.452 24.830 25.679 25.249 24.118 23.938 27.134 26.791 29.019 28.764 26.504 27.247 30.401

7.011 10.970 12.536 13.432 13.729 14.119 14.568 15.366 15.801 15.874 15.327 15.665 15.355 14.711 13.5607.158 8.998 12.650 11.617 11.287 11.214 11.270 11.517 11.967 11.999 12.254 12.576 12.993 13.309 15.395

30 41 57 136 83 107 105 121 122 202 95 88 86 87 13016 23 40 118 65 86 85 93 95 176 76 68 65 65 6214 17 17 18 18 21 20 28 27 26 20 20 20 21 68

- - - - - - - - - - - - - - -581 506 429 432 357 353 350 349 340 333 329 326 269 268 256

2.106 1.968 2.433 1.680 1.891 2.164 2.082 2.124 1.983 1.933 2.367 2.459 2.687 2.955 3.685569 674 1.146 1.149 1.153 1.171 1.173 1.173 1.531 1.531 1.490 1.489 2.243 2.343 2.343296 258 269 305 336 337 339 336 323 309 296 338 391 426 489296 258 269 305 336 337 339 336 323 309 296 338 391 426 489

- - - - - - - - - - - - - - -1.884 2.131 2.314 967 795 813 612 608 762 752 1.115 806 790 715 2.089

26 12 53 41 32 27 30 37 51 68 78 80 93 97 116

3.306 3.940 4.571 4.748 4.760 4.774 4.813 4.849 4.882 4.897 4.915 5.017 5.054 5.070 5.233277 409 670 670 698 718 716 788 861 916 924 928 932 932 939

1.098 1.805 1.732 300 548 747 955 1.181 1.363 1.612 1.845 2.074 2.325 2.469 2.391-1.271 -939 -474 1.612 1.554 1.372 1.189 776 245 -118 -126 -136 -172 -172 -202

6 4 1 12 27 36 43 6 6 6 8 4 4 4 459 71 83 84 74 80 106 123 126 125 148 171 181 188 243

Tabel 1.5 Kegiatan Usaha BPD

Des Des Des


2 0 0 4Indikator


12


RupiahValas








RupiahValas



Milyar Rp

29.162 25.111 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.169 29.649 30.9144.990 5.273 6.519 6.278 6.325 5.991 6.162 6.214 6.580 7.138 7.558 7.968 8.835 9.159 9.904

24.172 19.838 18.456 19.055 18.670 19.114 19.423 20.776 20.974 20.522 21.227 20.496 20.334 20.490 21.0097.267 4.774 4.384 5.442 5.667 5.211 4.428 6.693 6.767 5.546 5.223 4.739 4.540 5.517 4.0681.135 504 488 458 598 481 472 962 649 632 483 594 554 648 6154.268 2.892 2.821 3.974 4.090 3.450 2.767 4.428 4.045 2.499 2.870 2.508 2.809 3.697 2.376

748 241 321 305 323 306 334 305 276 263 251 266 270 233 2081.117 1.137 754 705 656 974 855 998 1.797 2.152 1.619 1.371 907 939 8696.646 9.237 8.965 10.645 10.335 10.961 11.194 11.124 10.340 10.331 9.523 11.128 11.062 10.931 11.0791.245 1.398 2.229 1.186 1.242 1.250 1.276 1.312 1.390 1.517 1.408 1.416 1.475 1.540 2.0344.668 6.700 5.864 7.422 8.481 9.072 9.173 8.170 7.800 7.189 6.183 4.141 8.091 7.454 7.198

638 1.139 861 1.633 611 638 740 1.641 1.149 1.624 1.931 5.391 1.495 1.843 1.81495 - 10 405 1 1 5 1 1 1 1 180 - 95 33

883 1.470 726 719 736 872 956 1.096 1.154 1.109 1.067 1.289 1.390 1.424 1.435200 234 180 180 180 181 192 183 256 256 257 240 240 239 238

2.729 1.349 1.266 1.380 1.512 1.671 1.840 1.965 1.979 1.965 1.926 1.867 2.037 2.032 2.086

23.366 21.417 21.827 23.488 24.084 24.195 24.089 26.649 26.714 26.086 26.596 27.988 28.710 29.536 28.2936.689 7.388 8.719 9.930 9.724 10.154 9.978 10.829 11.153 10.246 10.583 11.949 12.074 12.466 12.6392.194 2.609 2.314 2.686 2.426 2.455 2.420 3.208 3.320 3.379 3.281 3.343 3.252 3.295 2.8954.295 4.642 6.167 6.973 7.044 7.440 7.289 7.305 7.547 6.539 6.947 8.258 8.492 8.848 9.413

200 136 238 271 253 259 268 316 285 327 355 348 329 323 33116.677 14.030 13.108 13.558 14.361 14.041 14.111 15.820 15.561 15.841 16.014 16.039 16.636 17.070 15.654

7.676 6.635 6.624 6.317 7.162 6.455 7.156 8.366 8.194 8.475 5.228 8.162 8.463 8.925 7.5048.524 7.265 6.285 7.045 6.997 7.370 6.741 7.233 7.127 7.143 7.786 7.877 8.174 8.145 8.150

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

9.869 8.354 8.108 8.806 8.102 9.027 9.292 10.393 10.745 10.571 10.137 9.517 9.690 10.059 11.714- - - - - - - - - - - - - - -

1.043 792 685 693 673 552 527 566 576 384 400 388 257 248 21815 - - - - - - - - - - - - - -

1.028 792 685 693 673 552 527 566 576 384 400 388 257 248 218577 511 284 336 333 404 327 608 461 376 298 293 259 306 222

77 39 32 25 29 31 36 54 46 43 40 95 100 136 124

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

1.505 494 939 95 150 242 261 380 458 518 610 661 767 864 1.053-3.634 -2.731 -1.916 -812 -827 -1.145 -1.156 -1.037 -1.045 -1.025 -1.091 -1.091 -1.092 -1.092 -1.092

432 1.480 1.484 1.484 1.483 1.486 1.483 1.481 1.481 1.481 1.481 1.481 1.481 1.481 1.487143 45 - - - - - - - - - - - - -

Tabel 1.6 Kegiatan Usaha Bank Campuran

Des Des Des

Milyar Rp


2 0 0 4Indikator


13


RupiahValas








RupiahValas



Milyar Rp


44.677 36.341 35.560 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 34.448 40.709 42.73517.598 17.750 19.075 18.523 17.813 16.781 17.200 17.899 18.586 19.748 21.606 21.953 20.657 22.719 22.87027.078 18.591 16.485 17.915 17.888 19.189 19.428 19.952 20.211 19.397 19.942 19.369 13.791 17.990 19.86536.992 29.484 26.708 24.282 25.328 21.895 21.424 33.483 28.374 29.238 30.616 28.727 27.753 28.699 25.516

560 225 546 282 205 232 346 468 432 303 274 330 224 372 66429.067 21.756 18.588 16.984 18.084 14.905 13.181 23.497 17.951 15.427 16.560 15.402 17.536 17.354 12.3491.463 384 - - 50 10 - - - 32 53 41 2 2 1.7105.902 7.119 7.574 7.016 6.989 6.748 7.897 9.518 9.991 13.476 13.729 12.954 9.991 10.971 10.793

10.538 10.614 13.544 16.996 15.643 17.792 20.537 20.864 18.093 15.795 18.342 18.815 16.873 14.419 16.7412.945 2.779 3.271 3.115 3.570 3.054 3.022 3.162 3.355 3.846 3.696 3.760 3.756 3.666 3.8255.834 7.076 9.027 10.514 10.890 11.819 11.561 10.520 8.762 7.775 9.081 5.259 7.452 6.458 6.290

345 759 1.245 3.366 1.145 2.883 5.872 7.039 5.939 4.119 5.046 8.168 5.181 4.294 6.5711.415 1 - 1 38 36 81 143 37 54 519 1.628 485 2 543.078 2.746 1.682 1.841 2.299 2.923 3.439 4.247 7.649 4.877 1.992 1.741 1.752 1.657 2.973

18 171 69 79 79 79 79 150 150 150 149 155 81 86 852.675 2.563 1.495 1.726 1.702 1.363 1.691 2.235 2.077 1.964 2.202 2.240 1.737 2.433 2.765

68.436 59.900 66.041 69.560 69.243 68.349 68.722 77.166 74.954 75.147 77.781 76.881 70.132 75.150 74.79622.681 21.898 29.444 31.236 30.346 29.719 29.884 34.153 33.501 33.987 34.467 36.079 33.621 34.341 35.4436.222 6.735 8.640 9.481 9.657 9.368 9.267 10.647 9.652 11.224 10.487 10.627 11.640 12.004 11.744

14.157 13.061 18.377 19.429 18.248 17.906 18.221 20.867 21.221 20.215 21.408 22.797 19.431 19.817 21.1492.302 2.102 2.427 2.326 2.440 2.445 2.395 2.640 2.627 2.547 2.571 2.655 2.550 2.520 2.550

45.755 38.002 36.597 38.323 38.897 38.630 38.839 43.013 41.453 41.161 43.314 40.801 36.511 40.809 39.35319.470 18.527 16.761 17.531 17.670 17.357 17.250 20.493 20.158 19.327 20.889 19.099 16.622 19.913 19.60825.646 18.901 19.062 20.052 20.502 20.630 20.988 21.920 20.681 21.275 21.912 21.258 19.485 20.522 19.407

639 575 774 740 725 643 601 600 615 559 513 444 403 374 338- - - - - - - - - - - - 783 - -

6.603 6.385 7.856 7.438 6.947 6.187 5.952 7.703 6.626 7.428 9.607 10.051 10.271 10.294 11.49151 19 - - - - - - - - - - - - -

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

2.002 1.907 1.280 1.220 1.361 1.071 1.188 2.317 1.951 1.287 1.265 1.323 1.223 1.255 1.386215 202 409 337 394 396 355 405 470 519 562 731 565 690 476

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

1.278 2.484 1.677 466 760 1.142 1.446 1.353 1.283 1.673 1.975 2.172 2.196 2.444 2.462-496 2.120 696 2.588 2.624 2.587 2.200 1.957 1.923 1.633 1.633 1.633 1.310 2.494 2.496-21 138 950 985 1.012 1.019 1.049 1.005 985 1.009 1.045 1.059 101 126 133

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

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


152.435 160.604 146.675 13.989 26.605 38.522 50.731 63.728 75.802 97.009 101.005 112.672 123.125 136.409 160.175128.356 133.835 115.818 9.761 18.610 28.261 37.442 46.653 56.429 65.533 74.929 84.369 92.822 103.098 113.812121.083 129.807 113.443 9.486 18.201 27.647 36.619 45.483 55.156 64.434 73.605 82.928 91.260 101.335 111.80222.615 23.880 12.486 958 1.887 2.837 3.708 4.533 5.352 5.972 6.733 7.457 7.948 8.709 9.4378.508 7.196 5.199 541 954 1.420 1.812 2.179 2.742 3.456 3.896 4.394 4.669 4.550 5.021

89.960 98.731 95.757 7.988 15.359 23.390 31.099 38.771 47.062 55.006 62.977 71.076 78.643 88.075 97.34347.963 47.692 37.584 2.658 5.204 7.674 10.105 12.483 14.826 17.269 19.567 21.872 23.745 26.058 28.56941.337 50.055 57.635 5.279 10.056 15.556 20.778 25.999 31.845 37.260 42.867 48.620 54.215 61.251 67.924

660 985 538 51 100 160 215 290 391 477 542 584 683 767 8507.273 4.029 2.375 274 410 614 823 1.171 1.273 1.099 1.324 1.442 1.563 1.763 2.0113.720 1.784 1.162 103 199 307 422 547 615 292 319 349 386 423 4782.812 1.524 911 137 149 223 294 405 481 574 705 828 891 1.030 1.167

741 721 303 34 61 84 107 219 176 232 300 265 285 311 365197 456 142 14 29 43 57 77 89 137 187 129 155 170 186256 130 147 17 21 35 41 113 71 77 78 86 78 87 124288 134 14 2 11 7 9 29 16 18 35 50 52 54 56477 3.208 4.192 359 1.362 1.549 1.901 1.220 1.394 1.793 2.929 2.067 2.146 2.545 2.592

9.934 10.553 11.466 1.900 3.435 4.003 5.392 8.000 8.325 18.541 11.320 11.679 12.285 13.262 24.1946.017 8.023 8.978 832 1.748 2.577 3.480 4.329 5.432 6.438 7.486 8.412 9.346 10.379 11.6807.651 4.984 6.221 1.137 1.450 2.132 2.515 3.526 4.209 4.704 4.340 6.145 6.526 7.124 7.897

150.162 151.542 130.243 14.445 24.947 35.302 45.084 55.918 65.940 73.743 85.177 93.786 102.885 113.907 122.75990.498 90.941 66.320 4.515 8.306 12.271 16.104 20.024 24.386 28.118 32.205 36.333 39.096 43.644 48.04281.850 86.771 64.193 4.341 7.979 11.760 15.403 18.806 22.931 26.800 30.697 34.627 37.209 41.591 45.639

812 693 737 56 109 165 222 278 338 356 441 476 516 590 6565.275 5.277 2.534 250 444 630 793 1.019 1.211 1.491 1.754 1.890 2.069 2.359 2.614

75.762 80.801 60.922 4.035 7.426 10.965 14.388 17.509 21.382 24.953 28.502 32.261 34.624 38.643 42.3697.154 6.945 5.682 432 823 1.267 1.681 2.099 2.525 2.973 3.362 3.814 4.222 4.662 5.092

51.317 56.106 39.017 2.264 4.114 5.982 7.776 9.561 11.414 13.272 15.079 16.987 18.480 20.740 22.75613.983 15.054 12.616 992 1.836 2.728 3.603 4.463 5.371 6.304 7.241 8.180 9.143 10.088 11.0431.225 571 266 31 62 82 100 117 146 187 212 228 216 236 260

499 437 1.109 124 228 327 438 333 681 807 960 1.078 1.194 1.303 1.4371.583 1.689 2.232 191 363 579 790 936 1.245 1.411 1.648 1.974 1.369 1.614 1.7818.527 4.132 2.103 170 319 500 686 1.180 1.050 778 872 1.017 1.126 1.237 1.3363.997 2.072 1.306 104 199 310 422 519 620 303 326 363 404 442 5013.768 1.508 475 49 93 148 197 346 330 365 420 466 508 584 646

763 552 322 17 27 42 67 316 99 110 126 188 214 211 18824 16 15 1 2 2 3 4 5 6 8 9 9 11 1250 66 56 4 8 10 13 18 20 23 26 29 32 39 436 18 12 - 1 1 2 3 3 3 6 3 4 5 5

114 25 178 9 12 20 39 48 55 59 66 75 85 93 100467 340 8 - 1 2 3 234 4 4 4 5 5 6 9102 87 54 2 4 6 7 9 11 15 16 66 79 57 20121 38 24 3 7 11 15 38 406 540 635 689 762 816 1.068

6.116 5.932 10.033 1.820 3.194 3.668 4.672 7.366 8.017 7.375 9.947 9.840 10.325 11.357 9.504891 806 719 56 84 121 155 216 266 334 397 470 528 590 660

24.322 23.428 16.973 5.402 7.787 9.980 11.644 12.595 14.090 15.738 17.162 18.216 19.610 21.316 22.10928.335 30.435 36.198 2.652 5.576 9.262 12.509 15.717 19.181 22.178 25.466 28.927 33.326 37.000 42.444

2.273 9.062 16.432 -456 1658 3220 5.647 7.810 9.862 23.266 15.828 18.886 20.240 22.502 37.41663.931 64.673 51.671 7.130 10.561 14.940 17.972 23.457 27.759 29.227 34.046 37.160 40.382 43.364 50.44050.461 51.825 39.729 2.590 4.917 7.675 10.440 14.441 17.225 28.700 22.967 24.830 27.235 29.860 46.76313.470 12.848 11.942 4.540 5.644 7.265 7.532 9.016 10.534 527 11.079 12.330 13.147 13.504 3.67715.742 21.910 28.853 4.120 7.354 10.485 13.178 16.826 20.397 23.793 26.910 31.216 33.387 36.006 41.09412.204 16.538 22.875 3.278 5.947 8.501 10.702 13.554 15.967 18.492 20.560 23.966 25.120 26.833 29.463

Tabel 2.1 Laporan Laba / Rugi Bank Umum

Des 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 62.802 5.854 11.097 16.187 21.124 26.722 32.137 46.777 41.921 47.222 52.515 57.385 74.70363.855 66.090 52.184 4.586 8.578 13.166 17.347 21.544 26.287 30.200 34.423 38.645 42.996 46.885 51.98359.487 63.493 50.739 4.419 8.318 12.770 16.816 20.738 25.452 29.645 33.791 37.932 42.222 46.035 51.0252.916 4.324 2.378 194 398 615 803 963 1.138 1.152 1.305 1.446 1.537 1.604 1.7392.210 2.020 1.577 243 400 595 787 922 1.227 1.792 1.987 2.292 2.388 1.968 2.191

54.361 57.149 46.785 3.982 7.520 11.560 15.227 18.853 23.088 26.702 30.500 34.194 38.297 42.462 47.09536.127 34.894 22.950 1.609 3.141 4.569 5.963 7.343 8.693 10.100 11.363 12.629 13.606 14.788 16.26718.160 22.043 23.747 2.357 4.356 6.950 9.222 11.467 14.338 16.528 19.056 21.470 24.600 27.568 30.710

74 212 88 16 23 41 41 42 57 73 81 95 91 107 1194.368 2.597 1.445 167 260 396 531 806 835 555 632 713 774 850 9572.580 1.354 1.012 96 186 284 381 504 569 244 283 311 346 379 4251.189 586 250 49 42 65 87 146 162 194 223 236 246 274 313

600 657 183 22 32 48 63 156 104 117 126 166 182 198 219152 397 30 4 8 12 16 26 27 30 36 39 56 61 68196 126 140 16 20 30 39 108 63 71 72 79 76 85 99252 134 12 2 4 6 8 22 15 16 18 47 50 51 53120 2.622 1.943 137 576 514 555 188 340 375 1.406 389 328 536 519

1.821 4.173 3.701 149 509 529 756 1.659 1.416 11.371 1.550 1.727 2.187 2.464 13.7891.737 2.516 2.345 263 592 797 1.099 1.369 1.695 2.003 2.352 2.682 3.019 3.300 3.7414.935 2.305 2.628 720 843 1.181 1.368 1.962 2.385 2.828 2.190 3.778 3.984 4.200 4.672

75.186 76.343 58.297 7.777 13.207 18.120 22.283 26.815 31.598 34.736 39.097 43.051 48.217 52.704 56.49447.588 47.549 31.689 2.332 4.163 6.097 7.939 9.832 12.023 13.598 15.535 17.429 18.488 20.285 22.26742.245 45.086 30.348 2.207 3.924 5.731 7.440 8.868 10.868 12.613 14.384 16.119 17.034 18.717 20.418

375 351 359 28 55 85 116 146 179 170 230 239 261 309 3483.039 3.193 844 128 203 269 329 427 467 610 695 701 750 833 924

38.830 41.542 29.145 2.050 3.666 5.376 6.995 8.296 10.221 11.833 13.460 15.180 16.023 17.575 19.1473.057 2.919 2.081 206 375 564 750 946 1.139 1.343 1.500 1.711 1.896 2.067 2.256

27.298 29.324 18.638 1.060 1.866 2.691 3.441 4.169 4.877 5.588 6.279 7.000 7.683 8.383 9.0976.524 7.298 5.515 499 894 1.324 1.748 2.154 2.593 3.037 3.496 3.958 4.462 4.897 5.381

597 486 193 27 54 69 83 96 119 150 171 183 162 177 192161 123 671 77 136 196 253 105 403 484 580 641 762 797 858

1.193 1.393 2.046 181 341 533 719 826 1.090 1.231 1.434 1.686 1.058 1.255 1.3615.239 2.453 1.340 125 236 365 499 946 772 469 541 646 717 778 8112.432 1.188 889 79 151 232 310 388 471 136 157 176 197 217 2422.238 868 237 35 68 106 142 268 232 259 301 329 359 413 450

568 397 214 12 17 26 46 290 69 74 83 141 161 147 1184 5 7 - 1 1 2 2 3 3 4 4 5 6 7

13 25 20 2 4 4 5 7 8 8 10 11 12 14 17 - 13 5 - - - - 1 1 - 1 - - - -

84 14 174 9 11 19 37 46 54 58 64 72 80 86 90466 340 8 - 1 2 2 234 3 3 3 3 4 4 4

1 - - - - - - - - 2 1 50 61 38 -104 10 1 - 3 2 1 17 383 515 610 663 737 790 1.037416 1.191 3.557 147 538 597 633 1.692 2.122 1.516 1.590 1.551 1.937 2.232 1.247292 251 228 17 16 20 28 41 52 71 90 107 126 135 156

26.786 27.342 22.822 5.281 8.487 11.404 13.682 15.233 17.018 19.036 21.272 23.301 26.929 29.262 31.787

-2.718 1.363 4.505 -1.923 -2.110 -1.933 -1.159 -93 539 12.041 2.824 4.171 4.298 4.681 18.20911.425 15.656 11.085 4.103 5.420 6.678 7.318 9.477 11.055 9.731 11.490 11.879 12.337 12.333 14.7363.461 6.877 2.875 205 302 685 1.057 2.191 2.516 11.466 2.900 2.378 2.347 2.322 15.8327.964 8.779 8.210 3.898 5.118 5.993 6.261 7.286 8.539 (1.735) 8.590 9.501 9.990 10.011 (1.096)4.735 8.061 11.068 1.568 2.660 3.591 4.443 6.128 7.448 8.347 8.761 10.833 10.686 11.165 12.501

Tabel 2.2 Laporan Laba / Rugi Bank Persero

Des Des Des


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 52.125 4.055 7.944 12.108 16.039 20.012 24.182 28.260 32.315 36.203 40.375 44.590 48.921 44.625 45.964 42.438 3.380 6.524 9.822 13.108 16.365 19.633 22.979 26.299 29.613 33.085 36.486 40.07142.754 45.129 41.862 3.332 6.429 9.677 12.908 16.125 19.352 22.623 25.882 29.206 32.651 36.002 39.53616.119 15.376 6.965 529 1.023 1.490 1.915 2.320 2.726 3.130 3.518 3.887 4.261 4.576 4.9573.278 1.776 1.248 103 162 246 312 402 456 524 585 635 723 775 855

23.357 27.978 33.648 2.700 5.244 7.941 10.681 13.403 16.170 18.969 21.779 24.685 27.667 30.650 33.72410.762 11.605 12.939 944 1.868 2.827 3.769 4.670 5.558 6.456 7.390 8.345 9.288 10.211 11.13812.244 15.975 20.660 1.753 3.370 5.095 6.876 8.667 10.510 12.401 14.265 16.240 18.276 20.321 22.445

350 398 49 3 5 19 36 66 102 112 124 100 104 118 1401.871 835 576 48 96 145 199 240 281 357 417 407 435 484 5351.122 421 147 7 13 22 40 43 45 47 33 36 38 41 49

645 363 335 30 61 90 116 144 172 201 231 280 296 333 367104 51 94 11 21 33 43 53 64 109 153 91 101 110 12044 47 92 10 21 31 41 51 61 106 150 88 97 106 11660 5 1 - - 1 1 1 1 1 - 1 1 1 1 - - 2 - 1 1 1 1 2 2 2 2 3 3 3

350 526 2.074 103 210 383 466 307 318 604 645 637 730 781 849697 859 1.309 80 109 203 262 502 706 779 854 913 967 1.145 1.148

2.143 3.210 3.900 339 678 1.021 1.349 1.658 2.141 2.546 2.952 3.258 3.650 4.037 4.4412.005 1.707 2.404 153 423 680 855 1.180 1.384 1.352 1.564 1.784 1.943 2.141 2.412

47.558 49.776 45.890 3.468 6.113 9.558 12.693 15.729 19.128 22.247 25.179 28.446 31.881 35.146 38.32232.600 32.476 25.343 1.584 2.947 4.399 5.805 7.243 8.725 10.259 11.738 13.298 14.891 16.449 18.09730.341 31.474 24.996 1.568 2.920 4.347 5.725 7.152 8.626 10.152 11.641 13.190 14.772 16.318 17.939

354 277 317 23 44 67 89 110 131 154 175 196 217 239 2601.207 1.150 1.024 77 152 241 298 385 476 559 653 732 825 420 985

28.781 30.047 23.655 1.468 2.724 4.039 5.338 6.657 8.020 9.439 10.813 12.262 13.731 15.159 16.6932.667 2.373 2.127 141 269 422 560 692 828 972 1.106 1.242 1.386 1.529 1.684

18.535 20.549 15.021 873 1.587 2.321 3.050 3.804 4.579 5.401 6.186 7.011 7.869 8.699 9.5706.654 6.814 6.154 419 801 1.198 1.586 1.974 2.377 2.797 3.209 3.616 4.041 4.448 4.882

602 54 40 3 5 7 9 12 14 15 18 20 22 25 28166 125 228 29 55 73 106 129 154 182 211 243 273 303 333156 132 85 4 8 17 27 46 67 72 83 131 140 155 196

2.254 990 346 15 28 53 80 90 99 107 97 108 119 131 1581.125 421 146 7 13 29 47 50 52 54 40 42 45 47 62

961 441 118 6 9 14 20 25 29 31 33 38 42 46 52167 128 81 3 6 10 13 15 18 21 24 28 33 38 4410 7 3 - - - 1 1 1 1 1 2 1 2 222 20 16 1 1 2 3 3 4 4 4 5 6 6 7 5 4 6 - 1 1 1 1 2 2 2 2 3 3 428 10 4 - 1 1 1 1 1 2 2 3 5 7 10 - - - - - 1 1 1 1 1 1 1 2 2 4

101 87 51 2 3 5 7 8 10 11 13 14 16 17 175 12 - - - - - - - - - - - - -

299 723 1.029 62 83 117 164 312 453 516 552 612 648 809 743407 409 260 17 26 35 35 58 67 78 93 107 - 137 229

14.247 16.156 19.258 1.805 3.057 5.007 6.689 8.116 9.883 11.394 12.796 14.429 16.342 17.751 19.253

2.263 2.491 6.235 587 1.831 2.550 3.346 4.283 5.054 6.013 7.136 7.757 8.494 9.444 10.599 45.640 42.013 35.037 2.572 4.439 6.959 9.220 11.596 14.046 16.407 18.861 21.519 24.040 26.579 30.25743.305 40.032 33.286 2.175 4.152 6.258 8.355 10.593 12.729 14.950 17.325 19.478 21.786 24.056 26.794 2.335 1.981 1.751 397 287 701 865 1.003 1.317 1.457 1.536 2.041 2.254 2.523 3.463 3.315 3.367 6.988 816 1.728 2.618 3.374 4.237 5.100 5.980 6.954 7.778 8.442 9.364 10.571

Tabel 2.3 Laporan Laba / Rugi BUSN Devisa

Des Des Des


2 0 0 4


17














Milyar Rp

3.025 3.732 4.002 324 614 928 1.233 1.537 1.832 2.127 2.386 2.665 1.986 3.044 3.3402.823 3.478 3.673 301 566 846 1.113 1.408 1.664 1.935 2.182 2.417 1.797 2.754 3.021 2.823 3.478 3.673 301 560 846 1.113 1.403 1.664 1.935 2.168 2.417 1.797 2.754 3.021

440 458 306 15 26 38 51 67 76 90 105 120 84 146 161169 178 168 13 33 41 53 65 77 88 100 112 54 132 143

2.214 2.842 3.199 273 500 766 1.010 1.272 1.511 1.757 1.962 2.185 1.658 2.476 2.717 312 415 477 34 61 86 109 131 153 174 193 213 87 145 162

1.897 2.412 2.717 239 438 679 900 1.139 1.357 1.582 1.767 1.970 1.517 2.271 2.4915 16 4 - 1 1 1 2 2 1 2 2 54 60 65- - - - 6 - - 5 - - 15 - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - 6 - - 5 - - 15 - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - 6 - - 5 - - 15 - - - -- 34 87 4 9 20 37 26 44 47 34 48 30 51 521 - - - - - - - - - - - - - -

66 82 98 8 17 27 35 44 53 62 70 78 57 88 96135 138 145 11 22 36 46 58 70 82 99 122 102 151 170

2.736 3.347 3.426 289 502 759 998 1.232 1.474 1.709 1.928 2.174 1.540 2.473 2.7411.870 2.444 2.157 137 235 353 465 584 701 824 932 1.053 738 1.181 1.3031.869 2.443 2.152 135 231 344 452 564 679 800 907 1.028 713 1.155 1.275

12 13 14 2 3 5 6 8 10 12 14 15 17 19 2146 58 63 10 9 13 17 20 23 25 26 27 13 30 32

1.811 2.373 2.075 124 219 327 428 535 646 763 868 986 684 1.106 1.223120 117 97 6 12 19 25 32 40 47 53 60 53 73 80

1.444 1.995 1.769 100 173 258 336 419 506 598 679 772 560 902 1.000155 158 134 9 17 26 35 43 52 61 70 79 58 95 104

7 5 5 - 1 1 1 2 2 3 3 3 3 4 468 85 62 6 13 19 26 32 39 46 53 60 7 21 2318 13 8 1 3 4 5 6 8 9 9 11 4 11 12 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- 1 5 2 4 8 13 20 22 24 25 25 24 26 27- - - - - - - - - - - - - - -

33 4 6 1 2 3 4 5 5 6 7 9 9 12 13833 898 1.258 149 261 395 516 623 746 855 964 1.087 769 1.254 1.398

289 385 576 35 112 169 235 305 358 418 458 491 446 571 599788 864 614 42 83 129 171 205 243 286 344 396 349 524 615711 806 580 35 72 111 149 194 238 286 324 370 335 495 54977 58 34 7 11 18 22 11 5 - 20 26 14 29 66

273 327 471 35 111 160 222 274 314 363 417 448 509 526 498

Tabel 2.4 Laporan Laba / Rugi BUSN Non Devisa

Des Des Des

Milyar Rp


2 0 0 4


18















Milyar Rp

5.961 8.599 9.120 772 1.537 2.337 3.095 3.867 4.690 5.542 6.387 7.195 8.056 8.902 9.8035.516 8.131 8.511 705 1.401 2.126 2.821 3.526 4.278 5.027 5.788 6.545 7.328 8.092 8.888

504 8.122 8.503 704 1.399 2.123 2.821 3.524 4.271 5.023 5.768 6.540 7.328 8.092 8.864770 1.084 1.044 83 164 258 337 413 507 593 686 771 857 915 993

1.710 2.759 1.823 73 136 202 237 281 351 373 424 474 539 588 6433.025 4.280 5.637 548 1.100 1.662 2.247 2.830 3.413 4.058 4.658 5.295 5.932 6.589 7.229

354 164 163 18 32 52 72 95 126 150 194 199 224 266 2812.656 4.096 5.464 530 1.059 1.609 2.170 2.733 3.281 3.899 4.462 5.093 5.697 6.312 6.934

15 20 10 1 9 1 5 2 6 9 3 3 10 11 1411 8 8 1 1 3 - 3 7 4 20 6 - - 24 - - - - - - - - - - - - - - - - 8 2 - - - - - - - 15 - - - -

11 - 6 1 1 3 - 3 7 4 5 6 - - 23 - - - - - - - - - - - - - - - - - 6 1 1 3 - 3 7 4 5 6 - - 23

11 - - - - - - - - - - - - - - - - 21 1 1 2 4 4 9 23 45 91 102 131 1456 1 - - - - - 1 1 1 1 1 1 1 1

191 254 309 24 49 82 114 146 179 217 251 287 323 350 394249 213 278 44 86 127 155 189 223 273 302 271 302 328 375

4.661 6.626 7.205 456 952 1.538 2.076 2.604 3.255 3.833 4.423 4.992 5.667 6.283 7.2192.288 3.744 3.764 201 419 657 868 1.079 1.332 1.554 1.800 2.042 2.281 2.538 2.7982.286 3.744 3.764 201 418 657 868 1.079 1.332 1.554 1.796 2.042 2.281 2.538 2.798

72 53 46 3 6 8 11 14 18 21 23 25 21 23 26179 238 157 9 18 26 33 41 51 59 72 83 94 104 120

2.035 3.454 3.560 189 395 623 824 1.024 1.263 1.475 1.701 1.934 2.166 2.410 2.652620 1.058 1.002 51 112 179 235 290 350 411 473 542 606 671 719800 1.604 1.688 66 145 233 312 394 499 580 668 755 841 933 1.025464 614 655 57 107 159 206 257 306 358 408 462 515 569 62417 19 21 1 2 3 4 5 9 17 18 19 28 29 33

101 104 148 12 25 39 52 60 78 89 109 126 143 170 209 33 55 46 1 4 11 14 18 21 20 24 30 33 38 43

2 - - - - - - - - - 3 - - - - - - - - - - - - - - - - - - -2 - - - - - - - - - - - - - - - - - - - - - - - - 3 - - - - - - - - - - - - - - 1 - - - -- - - - - - - - - - - - - - -- - - - - - - - - - 2 - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -4 1 - - - - - - - - - - - - -

13 6 12 1 2 3 4 5 6 9 10 12 13 14 192.356 2.875 3.429 254 531 878 1.204 1.520 1.917 2.270 2.613 2.938 3.373 3.731 4.402

1.300 1.973 1.915 316 585 799 1.019 1.263 1.435 1.709 1.964 2.203 2.389 2.619 2.5841.963 2.957 2.690 152 314 479 646 811 1.014 1.192 1.374 1.567 1.868 2.009 2.2841.795 2.827 2.495 130 284 443 595 752 915 1.093 1.271 1.459 1.665 1.867 2.121

168 130 195 22 30 36 51 59 99 99 103 108 203 142 1631.098 1.806 1.732 300 548 747 955 1.181 1.363 1.612 1.845 2.074 2.325 2.469 2.391

Tabel 2.5 Laporan Laba / Rugi BPD

Des Des Des


2 0 0 4


19














Milyar Rp

6.197 4.745 3.895 325 649 995 1.297 1.718 2.046 2.390 2.751 3.106 2.976 3.873 4.3443.956 3.273 2.662 218 429 663 891 1.137 1.389 1.655 1.923 2.190 2.064 2.755 3.0563.697 3.164 2.592 213 418 647 869 1.110 1.355 1.613 1.875 2.135 2.017 2.686 2.979

919 1.060 760 60 123 188 255 316 371 408 456 509 420 630 688283 150 153 12 23 38 52 74 148 129 155 181 187 221 244

2.496 1.954 1.679 141 272 421 561 720 836 1.077 1.264 1.445 1.410 1.835 2.047267 61 71 7 13 20 28 36 41 74 88 101 90 137 147

2.091 1.727 1.475 125 241 370 487 616 701 882 1.028 1.173 1.127 1.483 1.668138 166 134 10 18 30 46 68 95 121 148 171 193 214 232259 109 70 6 11 17 22 27 34 41 48 54 48 70 77

- - - - - - - - - - - - - - - 233 104 66 5 10 16 21 26 33 40 46 53 46 68 76

26 5 4 - 1 1 1 1 1 1 1 1 1 2 21 5 3 - - - - - - - - 1 1 1 1 - - - - - 1 1 1 1 1 1 1 1 1 1

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

1.620 939 583 67 106 160 202 306 333 362 408 446 473 562 650448 369 417 36 80 120 160 201 246 292 335 381 360 462 511171 163 233 4 35 51 44 74 78 82 85 89 79 94 127

5.064 4.097 3.089 236 458 732 1.002 1.378 1.656 1.890 2.132 2.352 2.183 2.849 3.2702.196 1.372 1.068 83 162 254 345 456 577 687 804 920 889 1.170 1.2951.622 1.165 935 73 144 223 305 400 502 607 711 812 773 1.034 1.139

- - - - - - - - - - - - - - -346 271 194 14 27 43 62 87 116 144 175 203 216 257 279

1.276 895 741 59 117 180 243 312 386 463 535 609 557 777 860158 137 123 9 17 24 32 39 48 58 66 72 70 88 95935 687 539 45 90 138 182 227 273 319 364 411 348 525 58535 38 29 1 2 3 4 5 5 7 7 9 4 9 102 7 7 1 1 2 2 2 2 2 2 2 2 2 22 - - - - - - 1 - 1 1 1 1 3 3

144 26 43 4 7 13 24 39 58 77 96 114 132 151 165574 207 133 9 18 31 40 56 75 80 93 108 116 136 156

3 1 1 - - - - - - - - - - - -559 196 119 8 16 28 36 51 69 73 85 98 106 124 14312 9 13 1 2 3 4 5 6 7 8 10 10 12 147 2 1 - - - - 1 1 1 1 1 1 1 13 6 9 1 1 2 3 3 4 5 6 7 7 9 9- - - - - - - - - - - - - - -1 - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - 2 - - 1 1 1 1 1 2 2 2 2 3- - 1 1 1 1 - - - - - - - - -

949 755 347 38 57 88 96 184 202 242 267 273 281 347 43086 37 34 3 5 10 14 16 20 24 27 31 32 38 43

1.833 1.933 1.639 111 233 379 547 722 857 937 1.034 1.128 981 1.294 1.502

1.133 648 806 89 191 263 295 340 390 500 619 754 793 1.024 1.074826 554 590 44 25 97 116 264 336 300 340 325 280 339 587165 231 112 11 16 33 45 108 125 100 133 165 144 179 213661 323 478 33 9 64 71 156 211 200 207 160 136 160 374

1.505 494 939 95 150 242 261 380 458 518 610 661 767 864 1.053

Tabel 2.6 Laporan Laba / Rugi Bank Campuran

Des Des Des

Milyar Rp


2 0 0 4


20















Milyar Rp

14.964 13.556 14.731 2.659 4.717 5.968 7.918 9.873 10.916 11.913 15.244 16.281 16.481 18.260 18.6797.582 6.899 6.351 571 1.068 1.639 2.138 2.672 3.178 3.736 4.315 4.960 5.148 5.966 6.6196.818 6.420 6.074 518 1.033 1.586 2.067 2.582 3.062 3.594 4.122 4.698 4.845 5.612 6.2071.451 1.579 1.034 78 153 247 348 455 534 599 664 724 721 818 877

859 312 231 96 191 298 371 435 485 551 645 701 766 857 9364.508 4.529 4.809 344 688 1.041 1.348 1.693 2.044 2.443 2.814 3.273 3.358 3.937 4.394

141 553 985 46 87 120 164 207 255 315 340 387 447 510 5734.289 3.802 3.572 276 558 854 1.098 1.377 1.658 1.968 2.288 2.673 2.749 3.247 3.623

78 174 253 22 43 67 86 109 130 160 186 213 162 180 197764 480 277 53 36 53 70 90 116 142 192 262 303 354 41219 9 3 - - 1 1 1 2 2 2 3 2 3 4

746 462 258 53 35 53 69 88 114 139 190 259 300 350 406- 8 16 - - - - - - 1 1 1 1 1 2- 8 16 - - - - - - 1 1 1 1 1 2- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- 26 66 116 565 630 839 694 683 744 798 901 955 1.046 1.027

5.789 4.581 5.872 1.605 2.711 3.110 4.173 5.534 5.868 6.028 8.506 8.592 8.519 9.045 8.5551.431 1.592 1.908 163 332 531 721 910 1.118 1.318 1.527 1.726 1.785 2.038 2.384

157 458 533 204 41 57 47 63 69 87 99 102 74 164 94

14.957 11.354 12.337 2.218 3.655 4.595 6.003 8.161 8.829 9.329 12.419 12.772 12.863 14.115 14.3323.957 3.356 2.299 178 338 511 661 830 1.028 1.196 1.395 1.591 1.685 1.966 2.2213.486 2.857 1.998 158 301 459 593 743 924 1.074 1.257 1.435 1.513 1.777 2.011

- 1 - - - - - - - - - - - 1 1457 367 251 13 28 39 48 58 78 94 133 144 163 212 271

3.029 2.490 1.746 145 273 420 545 685 846 980 1.125 1.291 1.350 1.564 1.739532 341 252 18 38 59 79 100 121 143 164 186 195 223 248

2.306 1.947 1.362 120 222 342 440 547 680 786 903 1.038 1.081 1.258 1.436151 132 130 7 13 19 25 31 37 44 50 57 62 69 40

- - - - - - - - - - - - - - -- - - - - - - 6 6 5 5 7 9 10 12

39 69 3 - - 1 1 1 2 2 2 3 3 3 3459 482 284 20 37 52 68 87 104 122 138 155 172 189 207436 462 270 19 35 49 64 81 97 114 129 144 161 175 193

7 2 2 - - - - 1 1 1 1 2 1 1 116 19 13 1 2 3 4 5 6 7 8 9 10 13 133 3 3 - - 1 1 1 1 1 1 2 2 2 2

12 15 10 1 2 2 3 4 5 6 6 7 8 10 101 1 - - - - - - - - - 1 1 1 1- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

12 16 17 - - - - - - - - - - - 34.449 3.262 5.099 1.573 2.516 2.866 3.778 5.178 5.239 5.100 7.538 7.404 7.449 7.958 7.068

60 100 179 17 33 51 71 92 116 145 171 203 199 253 1996.479 4.620 4.743 450 768 1.167 1.493 2.061 2.446 2.888 3.315 3.574 3.530 3.938 4.841

7 2.202 2.394 441 1.062 1.373 1.915 1.712 2.087 2.584 2.825 3.509 3.618 4.145 4.3473.288 2.630 1.657 218 250 599 496 1.104 1.066 1.311 1.637 1.474 1.481 1.578 1.9601.024 1.053 380 33 65 145 239 604 701 805 1.013 980 955 940 1.2532.264 1.577 1.277 185 185 454 257 500 365 506 624 494 526 638 7071.278 2.485 1.677 466 760 1.142 1.446 1.353 1.283 1.673 1.975 2.172 2.196 2.444 2.462

Tabel 2.7 Laporan Laba / Rugi Bank Asing

Des Des Des


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 21.895 41.213 42.903 35.072 34.587 33.310 26.180 31.091 40.796 43.620 41.317 49.000 34.7036.466 4.106 3.336 2.962 3.278 2.976 2.931 3.224 3.052 3.507 7.342 4.164 4.342 4.242 3.3608.002 10.159 17.630 35.093 38.858 31.490 30.642 29.066 21.970 25.927 32.227 37.097 35.980 43.873 30.485

20.097 2.028 928 3.159 767 605 1.014 1.020 1.159 1.657 1.227 2.358 994 885 858

120.215 112.930 137.921 164.928 168.264 167.349 173.842 174.569 173.285 183.927 192.160 189.187 180.705 197.753 180.98770.548 81.076 102.997 113.794 113.192 118.961 124.036 125.975 127.602 135.356 133.971 130.449 122.392 131.821 126.819

1.026 181 148 195 190 192 259 183 165 205 208 214 285 280 23016.752 17.194 17.363 17.107 18.579 18.277 20.458 20.713 21.561 22.256 22.982 20.937 20.889 22.557 23.684

7.462 9.225 14.657 30.900 33.253 26.699 27.643 25.995 23.297 25.268 34.029 36.301 35.849 42.041 29.58824.427 5.254 2.757 2.932 3.050 3.221 1.446 1.702 659 842 971 1.285 1.290 1.053 666

23.088 36.262 24.287 29.317 29.123 35.331 35.726 37.125 39.032 39.826 50.949 49.876 65.455 56.216 57.2835.226 24.251 15.779 21.269 21.130 27.308 27.337 28.705 30.916 31.341 42.409 41.399 43.691 46.621 48.659

15.689 9.338 7.639 7.207 7.192 7.232 7.568 7.548 7.259 7.539 7.663 7.587 7.534 8.702 7.7052.172 2.674 869 842 801 790 821 871 858 945 877 889 14.231 893 918

31.297 38.733 28.291 28.009 28.495 27.596 28.037 29.051 30.915 30.016 31.631 30.971 31.876 31.444 32.33327.443 24.143 27.844 27.545 27.862 27.074 27.484 28.555 30.418 29.433 31.000 30.341 31.163 30.839 31.591

3.854 14.590 447 464 633 522 553 496 497 582 631 629 713 605 742

185.330 194.826 189.983 160.634 159.718 162.660 164.708 164.673 170.532 161.466 163.120 162.048 162.504 165.426 152.31142.603 39.230 36.681 36.717 36.270 36.530 36.460 37.194 37.291 36.532 36.911 36.534 36.428 36.421 35.592

142.727 155.596 153.302 123.917 123.448 126.131 128.248 127.479 133.240 124.934 126.209 125.514 126.076 129.005 116.719

Tabel 3.1 Rekening Administratif Bank Umum

Des Des Des


2 0 0 4


22






Milyar Rp

3.602 1.433 358 2.797 279 210 420 490 464 468 560 405 613 478 54498 173 22 36 18 11 10 11 7 21 5 5 128 5 5

3.048 1.092 162 186 156 126 52 110 64 41 107 31 107 100 62457 167 174 2.574 104 73 358 369 394 407 448 369 378 373 477

31.192 34.887 41.827 45.062 45.290 43.375 51.927 51.869 52.463 56.252 54.654 52.817 54.492 56.745 49.38914.123 19.932 28.262 31.789 31.336 31.051 38.739 38.666 38.750 41.768 39.823 39.762 41.135 42.400 35.461

195 105 38 79 82 82 129 76 67 72 89 99 167 167 1169.695 10.663 10.884 10.514 11.222 9.547 12.479 12.442 13.185 13.862 14.181 12.499 12.025 13.632 13.3073.444 1.161 164 185 154 149 48 110 26 112 107 31 404 101 633.735 3.025 2.480 2.495 2.496 2.547 531 576 435 439 454 426 761 446 442

7.997 7.469 5.771 5.765 5.311 4.899 5.228 5.011 5.782 5.992 6.023 6.790 6.528 6.773 6.3781.006 894 2.170 2.245 1.808 1.352 1.529 1.473 2.096 2.202 1.972 2.732 2.515 2.621 2.8386.038 4.472 3.438 3.382 3.356 3.394 3.544 3.374 3.518 3.618 3.871 3.862 3.823 3.948 3.339

954 2.103 163 138 147 153 154 164 168 172 180 197 190 204 201

18.003 12.731 13.102 13.713 13.771 12.926 12.810 12.979 13.904 13.484 14.817 14.637 15.930 14.705 15.56415.799 12.699 13.098 13.682 13.733 12.873 12.755 12.905 13.869 13.419 14.745 14.554 15.782 14.579 15.4762.204 32 5 31 38 53 55 74 35 65 72 83 148 127 88

133.881 128.292 123.187 114.078 113.360 115.879 117.896 120.897 122.121 113.595 114.141 113.425 114.492 114.481 101.86938.367 34.810 32.175 32.160 31.963 32.116 32.033 32.741 32.834 32.124 32.452 32.076 31.925 31.903 30.96395.514 93.481 91.013 81.918 81.397 83.763 85.862 88.156 89.287 81.471 81.689 81.348 82.567 82.578 70.906

Tabel 3.2 Rekening Administratif Bank Persero

Des Des Des


2 0 0 4


23






Milyar Rp

7.893 2.030 2.341 3.600 4.285 4.668 5.213 5.574 3.492 4.372 3.828 5.855 4.715 4.138 2.431220 47 - - - - 1 0 0 166 0 0 0 0 0

1.790 1.947 2.146 3.370 3.952 4.490 4.978 5.395 3.280 3.716 3.477 4.000 4.198 3.784 2.1235.883 36 195 230 333 179 233 179 212 490 350 1.855 518 353 307

30.135 31.542 40.481 47.472 46.636 49.345 50.366 51.239 52.207 56.073 57.484 55.344 57.834 58.686 58.74819.867 28.321 36.526 41.588 40.598 42.076 42.383 42.808 45.840 49.593 49.891 48.046 50.131 51.096 52.195

17 72 104 108 101 103 124 101 92 128 113 110 112 107 1071.979 1.946 2.512 2.796 2.814 3.954 3.342 3.146 3.282 3.164 3.744 3.252 3.736 3.254 4.2971.081 1.020 1.209 2.715 2.764 2.730 3.796 4.219 2.925 2.978 3.540 3.283 3.482 3.810 2.0697.192 184 129 264 359 482 722 966 67 210 196 654 374 419 79

3.782 1.622 1.452 1.606 1.547 1.576 1.614 1.667 1.690 1.784 1.694 1.594 15.081 1.915 1.75260 231 28 28 30 30 23 27 31 42 27 25 252 255 271

2.951 1.155 1.019 1.076 1.092 1.126 1.164 1.193 1.214 1.232 1.227 1.135 1.047 1.231 1.025771 237 405 502 424 419 426 446 445 509 440 433 13.782 429 456

3.241 17.454 5.445 5.020 5.140 4.996 5.256 5.195 5.434 5.424 5.354 5.138 5.031 5.145 5.1482.483 2.957 5.047 4.623 4.691 4.576 4.866 4.814 5.030 4.950 4.871 4.650 4.509 4.712 4.633

758 14.497 397 396 449 420 390 381 404 474 482 489 522 433 515

44.878 59.666 60.588 40.112 40.024 40.291 40.416 37.279 41.607 41.101 42.155 41.879 41.393 44.057 43.4802.525 2.528 2.508 2.507 2.551 2.536 2.534 2.554 2.556 2.506 2.558 2.560 2.601 2.601 2.712

42.353 57.138 58.080 37.605 37.473 37.754 37.883 34.725 39.051 38.595 39.597 39.318 38.792 41.455 40.769

Tabel 3.3 Rekening Administratif BUSN Devisa

Des Des Des


2 0 0 4


24






Milyar Rp

154 110 63 49 59 59 66 98 90 88 91 76 86 80 61123 78 32 17 17 20 17 35 38 38 38 34 38 38 38

- - - - - - - - - - - - - - -32 32 30 32 42 39 49 63 52 50 54 42 48 42 24

1.466 1.582 1.722 1.769 1.806 1.775 1.764 1.731 1.688 1.773 1.817 1.779 1.933 1.895 1.9641.344 1.534 1.678 1.714 1.736 1.705 1.690 1.678 1.640 1.728 1.764 1.745 1.885 1.857 1.906

1 2 3 3 3 3 3 2 3 3 3 3 3 3 32 12 7 18 20 25 19 5 11 11 16 8 14 13 28- 0 0 0 0 0 0 0 0 0 0 0 0 0 0

119 33 34 34 46 42 52 45 33 32 34 24 32 23 27

298 208 201 211 221 239 251 264 271 287 298 298 308 214 225- - - - - - - - - - - 1 - - -

155 191 200 208 218 232 248 261 266 279 291 293 303 211 222144 17 2 3 3 8 4 3 5 8 7 4 4 3 3

147 134 121 112 116 110 115 121 127 137 131 132 131 115 113112 105 103 95 96 94 97 101 110 118 115 114 113 106 10535 29 18 17 20 15 19 20 18 19 15 18 18 9 8

307 563 576 583 582 568 592 585 594 595 590 603 598 578 54549 45 42 43 43 43 43 43 42 42 42 42 42 42 42

258 518 534 540 540 525 550 543 551 553 548 560 556 536 502

Tabel 3.4 Rekening Administratif BUSN Non Devisa

Des Des Des


2 0 0 4


25






Milyar Rp

37 12 26 40 30 19 29 13 24 26 11 19 22 43 4037 12 22 22 22 10 10 10 10 10 10 10 10 10 10 - - - - - - - - 4 - - - - - -1 - 3 18 7 9 19 3 10 16 1 9 12 32 30

518 664 940 1,022 1,011 1,007 959 1,003 967 995 1,019 1,123 1,309 1,317 1,238514 660 930 992 987 993 935 993 951 967 1,010 1,106 1,287 1,275 1,197

2 3 3 4 4 4 4 4 3 3 3 3 3 3 31 - 4 3 3 1 1 2 4 9 4 4 6 6 7- - - - 9 - - - - - - - - - 11 1 4 22 8 9 19 3 10 16 1 9 12 32 31

791 681 599 559 582 564 604 587 590 785 586 627 712 1,649 1,434 - 3 2 2 2 2 2 7 2 2 2 2 2 2 2

553 426 359 365 361 357 370 385 398 578 389 425 512 1,449 1,233238 251 238 192 219 206 232 195 190 205 195 200 198 198 200

360 719 768 606 626 676 718 877 1,030 1,033 1,073 1,056 1,054 1,006 1,035348 708 751 602 607 662 705 875 1,006 1,030 1,050 1,032 1,046 981 91912 19 17 4 19 14 14 2 25 3 23 25 7 25 115

4.160 4.194 4.283 4.493 4.253 4.371 4.426 4.374 4.401 4.362 4.330 4.346 4.275 4.419 4.6131.662 1.846 1.956 2.008 1.713 1.834 1.850 1.856 1.859 1.859 1.859 1.855 1.859 1.874 1.8752.498 2.348 2.327 2.485 2.540 2.537 2.576 2.518 2.542 2.503 2.471 2.490 2.416 2.545 2.738

Tabel 3.5 Rekening Administratif BPD

Des Des Des


2 0 0 4


26






Milyar Rp

9.255 5.817 4.578 4.518 4.570 4.395 4.488 5.320 4.977 6.135 7.317 5.834 5.708 6.421 4.2165.989 3.796 3.260 2.885 3.220 2.935 2.892 3.169 2.997 3.273 3.906 4.116 4.166 4.190 3.3081.140 404 801 1.330 1.086 1.161 1.253 1.756 1.494 2.172 3.059 1.652 1.514 2.219 8992.127 1.618 517 303 265 299 342 396 486 690 353 66 28 13 8

14.396 11.130 10.538 11.526 12.083 12.452 12.731 13.854 15.190 15.758 14.612 15.251 14.450 14.945 14.8017.785 6.647 7.847 8.335 8.724 9.032 9.238 9.772 9.912 10.788 10.195 11.030 10.416 10.364 11.159

810 - - - - - - - - - - - - - -2.123 2.276 1.960 1.921 2.051 2.058 2.044 2.189 2.265 2.139 2.394 2.453 2.357 2.242 2.6631.307 472 629 1.160 1.170 1.229 1.341 1.792 2.904 2.689 1.759 1.613 1.577 2.277 9032.371 1.736 102 110 138 134 108 101 109 142 264 155 100 63 76

4.645 20.948 7.798 10.930 10.868 11.337 10.943 10.696 11.508 12.853 13.235 12.176 14.518 15.432 16.5303.038 20.062 7.062 10.135 10.077 10.550 10.165 10.121 11.139 12.509 12.894 11.840 14.185 15.117 16.2281.565 864 729 789 785 783 775 571 366 341 337 333 330 311 298

42 21 7 6 6 3 4 4 3 3 3 3 3 4 3

3.125 2.345 3.214 3.205 3.200 3.080 3.194 3.326 3.836 3.582 3.806 3.678 3.737 3.716 3.7592.283 2.333 3.204 3.188 3.093 3.060 3.118 3.307 3.821 3.562 3.768 3.663 3.719 3.705 3.743

841 12 10 16 108 19 76 19 15 20 38 15 18 11 16

1.970 1.764 1.075 1.209 1.159 1.214 1.147 1.156 1.266 1.313 1.331 1.289 1.261 1.246 1.233- - - - - - - - - - - - - - -

1.970 1.764 1.075 1.209 1.159 1.214 1.147 1.156 1.266 1.313 1.331 1.289 1.261 1.246 1.233

Tabel 3.6 Rekening Administratif Bank Campuran

Des Des Des


2 0 0 4


27






Milyar Rp

13.623 6.891 14.530 30.210 33.679 25.720 24.371 21.815 17.133 20.001 28.989 31.431 30.172 37.841 27.412- - - - - - - - - - 3.384 - - - -

2.025 6.715 14.521 30.206 33.664 25.713 24.358 21.805 17.128 19.997 25.584 31.413 30.161 37.770 27.40011.598 175 9 3 15 7 13 10 5 4 21 18 11 71 12

42.507 33.124 42.414 58.078 61.439 59.395 56.094 54.873 50.770 53.077 62.576 62.873 50.687 64.165 54.84626.915 23.982 27.753 29.376 29.811 34.105 31.050 32.059 30.510 30.513 31.289 28.760 17.538 24.831 24.901

- - - - - - - - - - - - - - -2.952 2.296 1.997 1.855 2.468 2.692 2.573 2.930 2.814 3.070 2.643 2.721 2.752 3.410 3.3821.630 6.572 12.655 26.840 29.156 22.591 22.458 19.874 17.442 19.490 28.623 31.375 30.387 35.854 26.552

11.009 275 9 7 4 7 13 10 5 4 21 18 11 71 12

5.574 5.334 8.466 10.247 10.593 16.716 17.086 18.900 19.191 18.125 29.114 28.391 28.309 30.233 30.9641.122 3.061 6.517 8.858 9.212 15.374 15.618 17.077 17.647 16.586 27.514 26.799 26.737 28.626 29.3194.428 2.229 1.894 1.388 1.379 1.340 1.466 1.763 1.498 1.492 1.548 1.539 1.518 1.552 1.589

23 44 55 1 2 2 2 60 46 47 52 53 53 55 56

6.422 5.350 5.641 5.353 5.642 5.808 5.943 6.554 6.584 6.355 6.450 6.329 5.993 6.757 6.7146.418 5.348 5.641 5.353 5.642 5.808 5.943 6.554 6.584 6.355 6.450 6.329 5.993 6.757 6.714

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

134 348 274 160 339 337 231 381 542 498 573 508 486 645 571- - - - - - - - - - - - - - -

134 348 274 160 339 337 231 381 542 498 573 508 486 645 571

Tabel 3.7 Rekening Administratif Bank Asing

Des Des Des


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 19,43 23,79 23,32 23,49 22,46 21,68 21,08 20,70 20,72 20,78 20,44 19,77 19,4283.675 103.602 112.395 128.980 127.738 130.168 127.076 127.836 126.677 125.065 128.451 130.454 130.116 128.709 130.168

419.752 461.757 578.386 542.215 547.858 554.199 565.887 589.760 600.848 604.165 619.905 627.914 636.542 650.978 670.140

4,61 3,61 3,59 3,54 3,63 3,60 3,70 3,59 3,52 3,56 3,55 3,49 3,48 3,52 3,0548.336 38.099 38.916 38.534 39.482 39.100 40.223 40.126 39.799 39.362 40.018 39.363 39.780 40.266 36.065

1.048.081 1.055.145 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 1.144.246 1.144.854 1.182.899163.39 175.21 167.58 178.34 172.04 162.51 172.31 170.82 167.77 169.02 170.97 172.32 172.92 172.07 175.5453.832 43.195 43.744 44.308 46.661 42.092 46.178 45.682 45.172 43.911 45.129 43.672 43.529 43.605 39.94432.946 24.653 26.103 24.844 27.123 25.901 26.799 26.742 26.926 25.979 26.395 25.344 25.173 25.341 22.754

1,45 1,96 2,63 2,59 2,35 2,71 2,83 2,57 2,67 2,71 2,80 2,96 2,91 3,03 3,4615.712 20.882 29.529 29.188 26.653 30.731 32.091 29.287 30.616 31.263 32.405 34.459 34.047 35.678 40.956

1.084.226 1.065.824 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 1.170.649 1.176.620 1.185.27898.41 94.76 88.10 90.39 92.81 90.38 89.88 90.47 90.25 82.81 85.93 83.61 84.82 80.78 76.64

146.351 150.498 127.865 130.493 135.651 130.220 129.140 128.735 124.539 120.679 97.461 94.088 95.907 84.998 122.396148.715 158.820 145.137 144.371 146.160 144.078 143.673 142.296 137.995 145.733 113.416 112.532 113.072 105.228 159.697

-80,81 -51,67 -50,55 -36,38 -36,25 -30,61 -25,05 -39,19 -34,58 -33,11 -27,05 -26,60 -26,17 -26,01 -13,40-55.770 -43.203 -44.196 -38.066 -37.574 -32.137 -25.655 -39.539 -34.576 -32.730 -27.192 -27.576 -26.999 -26.705 -14.10469.014 83.609 87.423 104.641 103.649 105.001 102.415 100.891 99.977 98.852 100.538 103.674 103.152 102.692 105.24833.01 38.24 43.52 42.39 42.88 43.70 44.92 45.56 46.39 46.81 47.87 48.13 49.13 49.49 49.95

316.059 371.058 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835 536.944 559.470957.417 970.371 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 1.084.861 1.120.102

Tabel 4.1 Kinerja Bank Umum

Des Des DesIndikator


2 0 0 4

Data Perbankan Indonesia - Desember2004

29





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

19,39 21,71 18,21 24,47 24,24 24,68 22,85 21,92 21,90 21,80 22,22 22,09 21,96 21,02 20,7134.434 42.119 48.237 55.320 55.653 56.819 54.792 54.084 53.918 54.321 56.240 56.755 57.098 56.863 56.798

177.598 194.051 264.833 226.112 229.561 230.265 239.796 246.688 246.239 249.214 253.121 256.936 260.041 270.549 274.294

3,49 3,16 4,13 4,09 4,30 4,45 4,56 4,42 4,50 4,48 4,55 4,51 4,51 4,59 3,8817.636 15.586 19.643 19.354 20.383 21.015 21.649 21.223 21.608 20.891 21.611 21.313 21.648 21.986 19.163

505.960 493.486 475.455 473.023 474.267 471.750 475.256 480.388 479.738 466.370 474.775 472.196 480.263 478.759 494.112260.41 264.13 182.28 198.54 192.78 170.67 191.72 193.44 187.15 193.37 195.87 195.39 194.53 194.12 208.2226.006 21.915 21.751 22.618 23.251 22.325 26.101 25.274 25.629 25.379 26.448 25.254 25.281 25.628 23.5489.987 8.297 11.932 11.392 12.061 13.081 13.614 13.066 13.695 13.125 13.503 12.925 12.996 13.202 11.310

0,99 2,00 2,67 2,71 2,49 2,73 2,87 2,22 2,38 2,39 2,50 2,82 2,62 2,73 3,465.266 10.143 13.668 13.824 12.683 13.914 14.478 11.187 11.963 11.958 12.450 14.036 12.975 13.521 17.113

532.177 507.737 511.166 510.112 509.505 508.900 503.786 502.941 501.711 500.462 498.149 496.889 494.303 494.510 494.992104.07 98.43 92.07 96.92 100.41 99.35 99.45 101.42 102.86 85.84 102.20 95.96 101.67 91.37 75.7372.733 75.155 56.592 58.184 60.981 59.088 58.736 58.647 57.826 55.510 30.151 28.980 29.751 17.889 56.25269.888 76.352 61.469 60.033 60.735 59.472 59.063 57.825 56.220 64.671 29.501 30.201 29.262 19.579 74.278

40,47 55,70 18,00 12,09 8,92 9,81 8,04 7,12 18,10 13,73 21,92 16,06 12,76 18,58 35,269.878 17.054 6.124 5.067 3.771 4.256 3.318 2.803 7.060 5.412 8.713 6.486 5.174 7.549 14.734

24.407 30.617 34.033 41.920 42.280 43.403 41.268 39.365 39.007 39.407 39.754 40.377 40.551 40.637 41.78626.56 34.46 41.59 40.40 40.97 42.16 42.98 44.35 45.66 46.33 47.61 47.73 48.66 49.20 49.90

121.496 150.632 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640 213.273 222.855457.490 437.149 425.932 436.085 434.066 433.461 430.166 431.366 431.943 427.956 428.764 431.428 432.915 433.465 446.564

Tabel 4.2 Kinerja Bank Persero



2 0 0 4


30





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

Tabel 4.3 Kinerja BUSN Devisa



2 0 0 4

21,69 24,67 20,26 22,94 22,78 22,60 22,25 21,88 20,88 20,03 19,66 19,54 19,17 18,34 18,0826.125 37.030 37.487 42.535 42.416 43.079 43.035 44.340 43.851 42.524 43.030 43.736 43.824 42.771 44.040

120.453 150.128 185.018 185.418 186.186 190.632 193.450 202.639 210.019 212.281 218.903 223.884 228.617 233.180 243.559

3,40 2,58 2,34 2,30 2,36 2,09 2,16 2,29 2,09 2,19 2,14 2,15 2,21 2,19 1,8811.297 9.211 9.245 9.138 9.272 8.265 8.505 8.721 8.666 8.952 8.898 9.044 9.324 9.309 8.268

332.667 357.024 395.646 396.453 392.878 395.805 392.969 402.938 415.219 409.341 415.495 420.485 422.131 425.881 440.714142,98 152,56 200,86 210,22 209,36 197,51 190,48 185,18 176,49 170,40 171,51 175,42 179,32 178,29 173,0510.500 9.381 12.368 12.516 12.673 10.979 11.013 11.359 11.162 10.534 10.609 10.485 10.520 10.393 9.196 7.344 6.149 6.158 5.954 6.053 5.559 5.782 6.134 6.325 6.182 6.186 5.977 5.866 5.829 5.314

1,23 0,98 2,16 1,94 2,20 2,08 2,33 2,37 2,46 2,54 2,63 2,71 2,71 2,81 3,094.450 3.534 8.680 7.899 8.984 8.593 9.666 9.966 10.460 10.893 11.430 11.920 12.078 12.639 14.079

363.079 360.109 400.994 406.181 408.090 412.812 415.348 419.934 424.938 429.647 434.869 440.317 445.341 449.991 454.95195,59 97,00 86,62 88,05 85,72 86,37 84,71 84,25 83,30 81,86 80,63 80,15 80,19 79,51 78,25

46.551 50.292 44.869 45.221 43.631 43.856 42.604 42.129 41.393 40.064 39.268 39.021 39.153 38.945 38.24348.699 51.846 51.797 51.357 50.897 50.774 50.294 50.005 49.692 48.941 48.704 48.684 48.828 48.982 48.873

-96,68 -70,93 -76,61 -58,44 -45,68 -47,79 -32,99 -39,08 -44,76 -40,09 -35,77 -32,01 -33,62 -32,24 -25,92-20.559 -21.935 -22.840 -20.351 -15.924 -16.441 -11.510 -13.768 -15.835 -13.744 -12.428 -11.677 -12.280 -11.616 -9.62121.266 30.927 29.814 34.823 34.857 34.399 34.887 35.233 35.380 34.281 34.745 36.485 36.529 36.034 37.11629,33 34,92 40,41 39,02 39,93 40,26 41,66 42,54 43,08 43,08 44,07 44,68 45,74 45,96 46,23

95.580 125.901 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.454 199.640 209.176325.895 360.529 395.838 400.498 393.925 397.938 396.680 406.307 417.020 416.587 421.859 428.629 429.460 434.362 452.491


31





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

20,57 16,94 14,99 18,25 18,94 17,72 17,56 18,08 19,59 18,23 17,99 17,94 17,53 16,48 16,302.408 2.348 2.753 3.381 3.174 2.980 2.949 3.057 3.327 3.127 3.141 3.156 3.194 2.710 2.728

11.706 13.864 18.369 18.523 16.757 16.813 16.792 16.909 16.981 17.157 17.460 17.590 18.225 16.442 16.732

2,61 2,89 2,65 3,14 3,32 3,31 3,20 2,98 2,89 2,94 2,96 2,97 2,95 3,28 3,28411 536 585 687 643 649 623 583 575 601 609 622 621 636 648

15.720 18.569 22.040 21.885 19.382 19.567 19.478 19.586 19.912 20.447 20.536 20.944 21.023 19.405 19.735148,63 125,16 109,68 126,27 127,86 133,24 138,44 159,58 159,54 160,35 162,10 155,04 157,96 159,92 137,19

381 398 878 541 516 539 530 527 534 547 554 633 575 567 512256 318 801 428 403 405 383 330 335 341 342 408 364 355 373

1,97 2,17 0,95 1,10 2,82 2,86 2,94 2,96 3,06 3,10 2,92 2,51 2,73 2,76 2,79329 421 221 257 625 628 659 667 692 705 669 580 636.00 592.00 603.00

16.674 19.357 23.203 23.268 22.169 21.981 22.423 22.528 22.615 22.787 22.932 23.105 23.263 21.471 21.65891,65 90,27 95,33 94,50 84,28 84,56 83,84 83,09 82,27 81,40 82,63 85,08 83,38 83,43 83,942.772 3.369 3.856 3.790 3.200 3.166 3.160 3.113 3.056 3.002 3.002 3.063 2.989 2.791 2.8033.024 3.732 4.044 4.011 3.797 3.744 3.769 3.747 3.715 3.688 3.633 3.600 3.585 3.345 3.340

-14,44 -20,86 -16,47 -3,11 -30,84 -28,72 -29,19 -23,67 -29,42 -38,41 -34,58 -34,04 -38,11 -39,68 -31,07-309 -425 -364 -87 -813 -745 -772 -650 -822 -1.069 -970 -954 -1.086 -969 -766

2.138 2.037 2.209 2.809 2.635 2.593 2.646 2.745 2.793 2.784 2.803 2.804 2.851 2.443 2.46559,45 59,39 62,74 65,58 65,79 67,62 68,27 68,12 66,49 65,51 66,57 66,96 67,29 70,66 68,749.748 11.574 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.497 14.964 15.101

16.395 19.487 23.151 22.628 21.328 21.380 21.177 21.202 21.789 22.438 22.651 22.993 23.030 21.177 21.970

Tabel 4.4 Kinerja BUSN Non Devisa

Des Des Des

Milyar Rp

Indikator2001 2002 2003 Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des

2 0 0 4


32





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

Tabel 4.5 Kinerja BPD



2 0 0 4

15,93 18,48 19,10 24,12 23,71 22,88 22,48 21,40 19,96 19,01 18,98 19,09 18,89 18,95 19,143.289 4.864 5.951 7.752 7.835 7.759 7.752 7.609 7.268 7.026 7.168 7.375 7.496 7.603 7.815

20.644 26.326 31.158 32.135 33.049 33.915 34.481 35.564 36.407 36.957 37.775 38.640 39.677 40.120 40.831

1,36 1,07 0,96 1,19 1,19 1,28 1,30 1,41 1,27 1,31 1,29 1,32 1,39 1,45 0,98546 545 527 633 640 702 702 775 757 777 796 796 849 888 647

40.223 50.853 54.957 52.970 53.573 54.784 54.221 54.553 59.479 59.135 61.799 60.248 60.946 61.161 66.255122,12 122,79 118,87 123,23 124,78 121,78 122,18 119,76 115,13 117,97 118,30 117,85 117,90 116,23 113,03

747 889 879 866 883 961 917 963 961 989 1.031 1.040 1.076 1.105 943612 724 740 703 708 789 750 804 834 839 871 882 912 950 835

4,10 3,83 3,05 3,26 3,37 3,50 3,73 3,70 4,00 3,90 3,99 4,01 4,10 4,07 3,991.618 2.051 1.976 2.129 2.211 2.306 2.461 2.446 2.652 2.593 2.660 2.685 2.744 2.747 2.726

39.468 53.488 64.791 65.342 65.711 65.949 65.999 66.131 66.364 66.563 66.677 66.918 67.006 67.571 68.39678,80 77,67 80,39 78,86 78,14 77,32 75,71 75,89 74,17 74,60 73,94 73,69 73,96 73,49 73,854.697 6.679 7.339 7.273 7.381 7.369 7.221 7.232 7.075 7.150 7.127 7.091 7.145 7.161 7.2405.961 8.599 9.128 9.222 9.445 9.530 9.537 9.530 9.540 9.583 9.638 9.624 9.660 9.745 9.803

-602,66 -444,80 -224,96 -129,36 -102,60 -102,72 -84,76 -84,67 -109,96 -102,93 -99,13 -113,16 -92,69 -106,55 -162,66-16.993 -18.379 -12.073 -9.216 -7.389 -7.315 -6.023 -5.843 -7.208 -6.543 -6.413 -7.533 -6.290 -7.312 -11.491

2.820 4.132 5.367 7.125 7.202 7.121 7.106 6.901 6.556 6.357 6.469 6.657 6.786 6.862 7.06537,43 42,04 48,22 49,77 50,06 51,85 54,00 54,98 52,86 54,32 53,91 54,61 57,12 57,02 53,39

15.396 21.498 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.917 37.223 37.23241.133 51.135 58.474 58.852 59.730 59.574 58.936 59.602 63.679 63.307 65.196 65.824 64.635 65.284 69.733


33





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

Tabel 4.6 Kinerja Bank Campuran

Des Des Des

Milyar Rp

Indikator2001 2002 2003 Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des

2 0 0 4

23,71 31,40 32,65 34,56 34,30 34,15 33,48 31,00 26,69 29,99 29,01 29,48 29,52 29,26 28,357.543 7.950 8.837 9.391 9.345 9.282 9.275 9.284 9.256 9.299 9.370 9.390 9.443 9.467 9.453

31.810 25.322 27.066 27.172 27.250 27.183 27.702 29.944 31.175 31.013 32.303 31.849 31.988 32.351 33.349

14,46 12,28 9,35 8,93 8,70 8,71 8,79 7,84 7,46 7,41 7,49 6,86 6,57 6,28 6,017.223 5.597 4.108 4.224 4.142 4.184 4.246 4.173 3.885 3.713 3.830 3.565 3.495 3.406 3.285

49.941 45.586 43.950 47.319 47.600 48.013 48.320 52.464 52.072 50.069 51.151 51.946 53.213 54.270 54.647111,23 113,73 109,77 106,72 109,82 110,11 108,89 110,31 114,84 115,75 116,34 118,71 117,27 117,11 111,105.225 4.116 3.070 3.121 3.091 2.969 3.080 2.997 2.694 2.589 2.628 2.477 2.390 2.356 2.1404.698 3.619 2.796 2.924 2.815 2.696 2.828 2.717 2.346 2.237 2.259 2.086 2.038 2.012 1.926

4,42 2,42 3,36 3,13 2,92 2,24 2,63 2,65 2,58 2,28 2,32 2,16 2,49 2,75 3,001.789 954 1.311 1.229 1.154 889 1.053 1.077 1.070 962 995 943 1.102 1.239 1.375

40.442 39.481 38.993 39.302 39.529 39.605 40.047 40.605 41.486 42.238 42.963 43.638 44.255 45.075 45.88781,75 86,64 79,15 79,89 80,74 87,54 82,44 83,76 84,51 86,96 85,84 85,40 80,23 77,48 76,955.066 4.111 3.142 3.164 3.215 3.455 3.175 3.238 3.272 3.416 3.435 3.429 3.270 3.256 3.3436.197 4.745 3.970 3.960 3.981 3.946 3.851 3.865 3.872 3.928 4.001 4.015 4.076 4.203 4.344

40,12 51,75 50,88 42,09 30,50 48,48 61,88 47,25 50,51 63,31 61,58 59,70 63,96 56,08 93,322.602 3.580 3.809 3.365 2.435 3.816 4.863 3.699 3.979 5.025 4.914 4.778 5.150 4.541 7.6466.485 6.918 7.486 7.993 7.984 7.871 7.859 7.830 7.877 7.937 7.980 8.003 8.052 8.097 8.19480,98 75,76 74,10 70,97 67,82 68,37 70,02 68,55 69,24 71,11 72,93 70,11 70,96 70,79 75,56

29.162 25.111 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.169 29.649 30.91436.010 33.145 33.706 35.693 36.853 36.721 36.536 39.374 39.794 38.899 39.469 40.601 41.106 41.884 40.914


34





RentabilitasROA (%)




- KBAB- Modal Inti


Milyar Rp

Tabel 4.7 Kinerja Bank Asing



2 0 0 4

17,16 18,19 17,58 20,06 20,13 18,50 17,27 16,31 15,09 15,24 15,75 17,02 16,82 17,38 16,519.876 9.473 9.130 10.601 10.724 10.248 9.076 9.462 9.057 8.768 9.502 10.042 8.081 9.933 9.938

57.541 52.066 51.941 52.855 53.280 55.392 52.554 58.017 60.027 57.544 60.343 59.015 48.039 57.165 60.210

10,84 7,39 5,19 4,69 4,50 4,50 4,67 4,37 4,20 4,46 4,14 3,98 3,83 3,90 3,7911.223 6.623 4.809 4.500 4.339 4.287 4.459 4.651 4.308 4.430 4.274 4.024 3.656 4.011 3.978

103.570 89.627 92.635 96.040 96.316 95.307 95.411 106.555 102.640 99.327 103.326 101.084 95.406 102.952 104.885109,18 117,11 130,51 134,93 134,58 128,10 130,83 123,58 123,62 118,92 119,32 123,47 123,93 118,64 120,3710.973 6.494 4.798 4.646 4.533 4.319 4.484 4.562 4.192 3.872 3.860 3.784 3.513 3.505 3.54910.050 5.545 3.676 3.443 3.368 3.372 3.427 3.692 3.391 3.256 3.235 3.065 2.835 2.954 2.949

2,45 4,41 4,40 4,57 4,86 5,12 5,22 4,47 4,22 4,57 4,53 4,54 1,94 5,16 5,222.261 3.780 3.674 3.850 4.134 4.401 4.522 3.945 3.779 4.151 4.201 4.295 4.286 4.920 5.054

92.386 85.651 83.494 84.231 85.026 85.964 86.666 88.172 89.623 90.804 92.754 94.675 86.830 95.448 96.81697,24 80,40 81,94 81,46 80,85 79,98 78,23 82,98 79,67 77,32 80,71 76,20 77,08 76,84 75,71

14.532 10.892 12.067 12.861 13.594 13.287 13.234 14.376 11.917 11.538 14.479 12.504 12.923 14.585 14.13914.945 13.547 14.728 15.788 16.814 16.611 16.916 17.324 14.957 14.922 17.941 16.409 16.767 18.981 18.675

-255,42 -257,28 -221,45 -168,92 -182,13 -163,40 -182,75 -292,38 -260,06 -269,69 -239,11 -199,77 -233,44 -198,53 -151,78-30.389 -23.099 -18.852 -16.844 -18.380 -15.708 -15.472 -25.780 -21.749 -21.810 -21.009 -18.676 -17.482 -18.405 -14.02411.897 8.978 8.513 9.972 10.092 9.614 8.466 8.817 8.363 8.087 8.786 9.349 7.489 9.271 9.24055,50 52,73 47,28 45,36 44,38 45,34 46,57 43,24 45,64 45,79 46,79 47,04 43,20 47,02 49,56

44.677 36.341 35.545 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 34.448 40.709 42.73580.493 68.925 75.177 80.339 80.441 79.344 78.652 87.527 85.012 85.488 88.796 87.853 79.746 86.572 86.236


35

Net Interest Margin

Bank Persero

BUSN Devisa

BUSN Non Devisa

Bank BPD

Bank Campuran

Bank Asing

Bank Umum

Persen

3,35 3,80 4,53 5,72 5,59 5,98 5,96 5,92 6,00 6,00 5,97 5,97 6,19 6,11 6,79

3,21 3,95 4,60 5,44 5,44 5,49 5,55 5,53 5,46 5,44 5,42 5,38 5,37 5,36 5,82

5,33 5,89 7,40 8,99 9,63 9,72 9,68 9,90 9,65 9,51 9,33 9,01 6,27 8,50 9,37

7,97 9,45 8,42 11,42 11,06 10,93 10,87 10,87 10,73 10,72 10,62 10,58 10,59 10,53 11,31

4,14 4,09 3,54 3,42 3,38 3,43 3,43 3,35 3,29 3,36 3,38 3,39 2,81 3,42 3,75

4,18 3,74 4,60 4,91 4,55 4,71 4,63 4,51 4,36 4,41 4,41 4,51 4,19 4,39 5,00

3,60 4,14 4,64 5,79 5,69 5,89 5,89 5,85 5,83 5,83 5,81 5,79 5,81 5,83 6,40

Tabel 4.8 Rasio Kinerja Lainnya



2 0 0 4


36

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Total

Milyar Rp


533.435 516.557 556.125 499.523 497.650 494.231 491.253 497.241 492.434 488.510 489.657 495.636 495.062 504.080 518.975

365.932 393.938 436.214 434.114 431.556 433.472 432.374 444.132 454.645 456.099 463.135 469.307 472.329 477.438 494.174

17.971 20.963 25.494 25.374 23.935 22.787 23.762 22.858 23.162 23.819 24.060 24.411 24.601 22.568 23.307

47.117 58.178 66.418 63.195 64.152 64.468 63.807 64.753 68.959 68.656 71.352 71.799 70.929 68.738 78.487

42.738 39.347 39.292 42.196 42.118 42.840 42.927 46.996 47.351 46.342 46.500 47.377 48.263 49.649 50.026

92.506 83.221 89.975 92.748 93.294 92.155 91.124 103.451 99.174 99.365 104.501 104.564 107.171 105.630 107.112

1.099.699 1.112.204 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 1.228.104 1.272.081

Tabel 5.1 Perkembangan Aset

Des 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

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

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

BPD 13 13 0 0 11 15 0 0 10 15 1 0 5 20 1 0

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

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

Total 73 51 16 5 67 55 15 4 59 58 16 5 53 59 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 )

Desember 2002 Desember 2003 Desember 2004< Rp. 1 Rp. 1 s.d. Rp. 10 s.d > Rp. 50Triliun 10 Triliun 50 Triliun Triliun

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

< 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 293.205 24,16 PT Bank Mandiri Tbk 241.462 18,982 PT Bank Negara Indonesia Tbk 148.988 13,55 PT Bank Negara Indonesia Tbk 126.059 11,33 PT Bank Central Asia Tbk 132.797 10,94 PT Bank Central Asia Tbk 149.828 11,783 PT Bank Central Asia Tbk 102.218 9,30 PT Bank Central Asia Tbk 116.943 10,51 PT Bank Negara Indonesia Tbk 131.890 10,87 PT Bank Negara Indonesia Tbk 136.303 10,714 PT Bank Rakyat Indonesia 81.774 7,44 PT Bank Rakyat Indonesia 104.126 9,36 PT Bank Rakyat Indonesia 99.216 8,18 PT Bank Rakyat Indonesia 107.018 8,415 PT Bank Danamon Indonesia Tbk 52.540 4,78 PT Bank Danamon Indonesia Tbk 47.431 4,26 PT Bank Danamon Indonesia Tbk 52.752 4,35 PT Bank Danamon Indonesia Tbk 58.371 4,596 PT Bank Internasional Indonesia Tbk 33.431 3,04 PT Bank Internasional Indonesia Tbk 36.175 3,25 PT Bank Internasional Indonesia Tbk 34.600 2,85 PT Bank Internasional Indonesia Tbk 35.787 2,817 PT Bank Tabungan Negara 26.593 2,42 PT Bank Permata Tbk 29.259 2,63 PT Bank Permata Tbk 29.082 2,40 PT Bank Permata Tbk 31.700 2,498 Citibank N.A 25.879 2,35 PT Bank Tabungan Negara 27.373 2,46 PT Bank Tabungan Negara 26.866 2,21 PT Bank Niaga 30.824 2,429 PT Lippo Bank Tbk 24.032 2,19 Citibank N.A 24.653 2,22 PT Lippo Bank Tbk 26.418 2,18 PT Lippo Bank Tbk 27.826 2,19

10 PT Bank Niaga. Tbk 22.997 2,09 PT Lippo Bank Tbk 24.466 2,20 Citibank N.A 23.746 1,96 PT Bank Tabungan Negara 26.760 2.10

Total 783.290 71,23 Total 789.154 70,95 Total 850.570 70,09 Total 845.879 66,50

PeringkatDesember 2001 Desember 2003

Nama BankTotalAset

Pangsa thdTotal Aset Bank

Umum (%)


Nama BankTotalAset


Umum (%)Nama Bank Total

Aset



Aset


Umum (%)


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


1.048.081 1.055.145 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 1.144.246 1.144.854 1.182.899955.955 974.963 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 1.055.735 1.099.158 47.292 46.503 48.850 47.697 48.534 49.090 47.738 48.711 46.974 48.081 49.941 51.546 54.115 54.374 53.30512.266 10.896 15.178 14.118 13.793 11.588 12.041 13.494 13.809 13.367 13.040 13.441 12.709 13.457 13.2038.881 8.234 5.442 6.098 6.979 6.132 7.880 6.498 6.086 6.300 5.670 5.075 5.196 5.376 4.387

23.686 14.549 15.033 14.977 15.218 16.434 16.358 16.328 16.586 15.933 16.760 15.950 16.000 15.912 12.847

44.833 33.679 35.653 35.193 35.990 34.154 36.279 36.320 36.481 35.600 35.470 34.466 33.905 34.745 30.4374,28 3,19 3,29 3,24 3,31 3,15 3,34 3,25 3,23 3,22 3,15 3,06 2,96 3,03 2,57

316.059 371.058 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835 536.944 559.470231.739 299.735 365.252 363.250 365.317 374.294 385.344 399.508 416.692 419.624 435.058 441.766 451.400 457.669 484.673

45.664 43.484 45.388 45.602 45.499 46.983 45.480 46.217 44.270 44.294 45.833 47.811 50.815 50.091 49.62211.815 8.928 12.861 11.981 11.655 9.444 9.910 11.178 11.484 11.012 10.862 11.390 10.653 11.153 10.9028.443 7.655 4.991 5.441 6.323 5.489 5.738 5.853 5.437 5.650 5.224 4.646 4.778 4.925 4.224

18.397 11.256 12.013 12.051 12.249 13.168 13.138 13.471 13.505 13.068 13.644 12.914 13.188 13.107 10.048

38.655 27.839 29.865 29.473 30.227 28.101 28.786 30.502 30.426 29.730 29.730 28.950 28.619 29.185 25.17412,23 7,50 6,78 6,72 6,85 6,25 6,26 6,40 6,19 6,02 5,82 5,58 5,39 5,44 4,50

Tabel 6.1 Aktiva Produktif Bank Umum

Des Des Des 2 0 0 4


40





Milyar Rp


505.960 493.486 475.455 473.023 474.267 471.750 475.256 480.388 479.738 466.370 474.775 472.196 480.263 478.759 494.112462.791 453.941 431.113 430.174 429.634 426.344 429.895 435.030 434.760 422.240 429.218 426.235 432.566 431.010 449.826

29.921 27.336 27.499 26.241 27.004 27.808 26.224 26.503 25.397 25.652 27.001 27.216 29.439 28.439 27.9264.927 5.082 7.069 6.214 6.162 5.654 5.840 7.092 7.275 6.607 6.153 7.490 6.955 7.798 7.6432.628 3.665 2.161 2.831 3.663 2.832 4.498 2.842 2.738 2.792 2.475 1.966 1.972 2.142 1.4285.692 3.462 7.613 7.563 7.804 9.112 8.799 8.920 9.568 9.080 9.928 9.289 9.332 9.371 7.289

13.247 12.209 16.843 16.608 17.629 17.598 19.137 18.854 19.581 18.479 18.556 18.745 18.259 19.311 16.3602,62 2,47 3,54 3,51 3,72 3,73 4,03 3,92 4,08 3,96 3,91 3,97 3,80 4,03 3,31

121.496 150.632 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640 213.273 222.85583.633 115.282 138.440 137.690 138.336 142.255 145.851 150.429 157.103 158.871 163.898 165.231 167.907 171.308 183.55529.034 26.259 25.747 25.712 25.713 27.090 25.513 25.729 24.455 24.675 25.374 25.518 27.909 26.275 26.190

4.734 4.197 5.703 5.022 4.974 4.429 4.629 5.812 5.962 5.336 4.977 6.403 5.868 6.567 6.4872.549 3.298 1.792 2.267 3.106 2.279 2.468 2.297 2.184 2.234 2.117 1.613 1.629 1.759 1.3371.546 1.594 5.455 5.468 5.690 6.684 6.418 7.062 7.521 7.173 7.775 7.145 7.328 7.364 5.287

8.829 9.089 12.950 12.757 13.770 13.392 13.515 15.171 15.667 14.743 14.869 15.161 14.825 15.690 13.1117,27 6,03 7,31 7,24 7,74 7,33 7,31 7,93 7,94 7,44 7,28 7,36 7,04 7,36 5,88

Tabel 6.2 Aktiva Produktif Bank Persero

Des Des Des 2 0 0 4


41





Milyar Rp


332.667 357.024 395.646 396.453 392.878 395.805 392.969 402.938 415.219 409.341 415.495 420.485 422.131 425.881 440.714311.820 339.063 375.336 376.291 372.437 377.314 374.190 383.633 396.418 390.009 395.889 400.288 401.222 404.879 420.96010.349 9.855 10.780 10.946 11.281 11.080 11.050 11.487 10.784 11.044 11.480 12.210 12.867 13.040 12.8652.600 2.173 5.116 4.760 4.513 2.942 3.049 2.887 3.101 3.131 3.218 2.990 2.808 2.777 2.6701.958 1.860 1.693 1.739 1.802 1.782 1.845 2.101 1.986 2.122 1.958 2.002 2.125 2.104 2.0105.941 4.073 2.722 2.717 2.844 2.687 2.834 2.830 2.930 3.034 2.950 2.995 3.109 3.082 2.209

10.499 8.106 9.531 9.216 9.159 7.411 7.728 7.818 8.017 8.287 8.126 7.987 8.042 7.963 6.8893,16 2,27 2,41 2,32 2,33 1,87 1,97 1,94 1,93 2,02 1,96 1,90 1,91 1,87 1,56

95.580 125.901 159.959 156.264 157.313 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.454 199.640 209.17675.388 109.073 140.684 137.106 137.895 142.448 147.234 154.292 161.595 161.171 167.307 172.378 176.239 179.426 190.28010.321 9.494 10.439 10.589 10.906 10.958 10.922 11.335 10.656 10.604 11.093 11.717 12.761 12.921 12.7032.580 2.142 5.057 4.712 4.464 2.926 3.025 2.865 3.081 3.115 3.203 2.973 2.792 2.667 2.556

1.957 1.769 1.677 1.723 1.785 1.764 1.821 2.078 1.966 2.098 1.931 1.977 2.101 2.081 1.9875.334 3.423 2.102 2.134 2.261 2.121 2.270 2.272 2.368 2.479 2.388 2.446 2.562 2.545 1.650

9.871 7.334 8.836 8.569 8.510 6.811 7.116 7.215 7.415 7.692 7.522 7.396 7.455 7.293 6.19310,33 5,83 5,52 5,48 5,41 4,25 4,31 4,17 4,13 4,29 4,05 3,86 3,79 3,65 2,96

Tabel 6.3 Aktiva Produktif BUSN Devisa

Des Des Des 2 0 0 4


42





Milyar Rp


15.720 18.569 22.040 21.885 19.382 19.567 19.478 19.586 19.912 20.447 20.536 20.944 21.023 19.405 19.73515.046 17.680 20.892 20.535 18.152 18.341 18.327 18.481 18.844 19.305 19.357 19.773 19.827 18.180 18.518

250 428 618 697 590 580 509 497 486 555 596 569 612 613 600117 136 170 254 261 244 249 255 196 202 212 203 196 223 21469 5 59 59 59 86 86 88 124 97 66 79 76 74 53

238 266 301 341 321 317 307 265 262 288 304 319 313 316 351

424 407 530 654 641 647 642 608 582 587 582 601 585 613 6182,70 2,19 2,40 2,99 3,31 3,31 3,30 3,10 2,92 2,87 2,83 2,87 2,78 3,16 3,13

9.748 11.574 14.526 14.840 14.031 14.457 14.458 14.443 14.487 14.699 15.078 15.396 15.497 14.964 15.1019.082 10.698 13.382 13.494 12.806 13.240 13.316 13.347 13.425 13.564 13.905 14.245 14.314 13.756 13.891

250 418 618 696 589 575 504 492 486 555 595 569 612 613 600117 136 167 251 257 240 246 255 196 202 212 203 196 223 21469 59 59 59 59 86 86 85 121 94 63 75 73 70 49

229 263 300 339 319 316 306 264 259 285 303 303 303 302 348

415 458 526 649 635 642 638 604 576 581 578 581 572 595 6114,26 3,96 3,62 4,37 4,53 4,44 4,41 4,18 3,98 3,95 3,83 3,77 3,69 3,98 4,05

Tabel 6.4 Aktiva Produktif BUSN Non Devisa

Des Des Des 2 0 0 4


43





Milyar Rp


40.223 50.853 54.957 52.970 53.573 54.784 54.221 54.553 59.479 59.135 61.799 60.248 60.946 61.161 66.25539.434 50.000 53.953 51.705 52.343 53.503 52.887 53.089 58.130 57.755 60.424 58.834 59.392 59.462 65.086

239 393 509 685 626 613 667 706 604 619 574 633 734 879 51984 106 142 182 185 185 198 256 210 206 227 206 220 213 19393 61 101 110 113 109 130 126 136 142 139 166 182 183 144

373 293 253 288 306 374 339 376 399 413 435 410 419 424 313

550 460 496 580 604 668 667 758 745 761 801 782 821 820 6501,37 0,90 0,90 1,09 1,13 1,22 1,23 1,39 1,25 1,29 1,30 1,30 1,35 1,34 0,98

15.396 21.498 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.917 37.223 37.23214.678 20.795 27.447 28.130 28.673 29.642 30.495 31.312 32.313 33.010 33.777 34.534 35.366 35.528 36.066

239 286 409 585 626 583 667 705 604 619 574 633 734 879 519 82 104 141 181 184 184 197 255 210 206 227 205 219 213 19390 61 101 110 113 108 130 126 136 142 139 166 181 183 144

308 251 250 285 303 371 336 373 396 410 432 407 417 421 310

480 416 492 576 600 663 663 754 742 758 798 778 817 817 6473,12 1,94 1,74 1,97 2,01 2,15 2,08 2,30 2,20 2,20 2,27 2,16 2,21 2,19 1,74

Tabel 6.5 Aktiva Produktif BPD

Des Des Des 2 0 0 4


44





Milyar Rp


49.941 45.586 43.950 47.319 47.600 48.013 48.320 52.464 52.072 50.069 51.151 51.946 53.213 54.270 54.64737.658 35.341 35.760 39.014 39.383 39.479 39.843 43.864 43.569 41.967 42.716 43.882 45.286 46.529 47.000

4.583 4.517 4.374 4.332 4.306 4.710 4.562 4.698 4.979 4.649 4.871 4.795 4.670 4.616 4.7372.280 1.821 1.345 1.419 1.437 1.361 1.350 1.546 1.516 1.573 1.665 1.582 1.642 1.511 1.4361.935 1.398 518 492 509 544 542 528 503 465 480 446 436 476 3653.484 2.508 1.953 2.062 1.965 1.918 2.024 1.829 1.505 1.415 1.419 1.241 1.179 1.139 1.109

7.699 5.727 3.816 3.973 3.911 3.823 3.916 3.903 3.524 3.453 3.564 3.269 3.257 3.126 2.91015,42 12,56 8,68 8,40 8,22 7,96 8,10 7,44 6,77 6,90 6,97 6,29 6,12 5,76 5,33

29.162 25.111 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.169 29.649 30.91417.732 16.364 17.980 18.248 18.068 17.921 18.499 19.910 20.534 21.095 21.935 21.953 22.707 23.310 24.750

4.108 4.071 4.011 3.992 3.937 4.281 4.115 4.213 4.497 4.137 4.331 4.253 4.185 4.126 4.1992.164 1.011 671 702 702 624 604 712 725 747 816 748 819 751 6411.839 1.386 490 462 482 519 502 516 489 450 465 436 425 462 3463.320 2.280 1.823 1.929 1.807 1.760 1.864 1.639 1.310 1.232 1.239 1.075 1.033 999 978

7.323 4.677 2.984 3.093 2.991 2.903 2.970 2.867 2.524 2.429 2.520 2.259 2.277 2.212 1.96525,11 18,63 11,95 12,21 11,97 11,56 11,61 10,62 9,16 8,78 8,75 7,94 7,81 7,46 6,36

Tabel 6.6 Aktiva Produktif Bank Campuran

Des Des Des 2 0 0 4


45





Milyar Rp


103.570 89.627 92.635 96.040 96.316 95.307 95.411 106.555 102.640 99.327 103.326 101.084 95.406 102.952 104.88589.206 78.937 83.127 87.083 87.710 87.001 86.604 97.355 93.885 89.731 94.068 91.878 87.262 93.323 95.4271.951 3.974 5.070 4.796 4.594 4.298 4.634 4.821 4.724 5.560 5.419 6.123 5.287 6.748 6.5062.258 1.578 1.336 1.290 1.228 1.202 1.355 1.457 1.510 1.648 1.564 970 867 920 1.0112.197 1.191 909 866 829 780 779 814 599 683 552 416 359 390 3757.958 3.947 2.192 2.006 1.955 2.026 2.039 2.107 1.923 1.704 1.723 1.696 1.631 1.571 1.565

12.413 6.716 4.437 4.162 4.012 4.008 4.173 4.378 4.032 4.035 3.839 3.082 2.857 2.881 2.95111,99 7,49 4,79 4,33 4,17 4,21 4,37 4,11 3,93 4,06 3,72 3,05 2,99 2,80 2,81

44.677 36.341 35.545 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 34.448 40.709 42.73531.226 27.521 27.303 28.582 28.420 28.787 29.095 30.218 31.722 31.912 34.236 33.425 27.735 32.928 34.8841.713 2.955 4.164 4.027 3.595 3.496 3.668 3.743 3.572 3.705 3.866 5.121 4.109 5.236 5.2602.139 1.338 1.123 1.113 1.066 1.040 1.208 1.279 1.310 1.406 1.427 858 739 717 7761.938 1.082 872 819 774 732 730 752 542 633 510 378 336 363 3497.661 3.445 2.083 1.897 1.847 1.915 1.928 1.860 1.650 1.489 1.508 1.538 1.529 1.466 1.466

11.738 5.865 4.078 3.829 3.687 3.687 3.866 3.891 3.502 3.528 3.445 2.774 2.604 2.546 2.59126,27 16,14 11,47 10,51 10,33 10,25 10,55 10,28 9,03 9,01 8,29 6,71 7,56 6,25 6,06

Tabel 6.7 Aktiva Produktif Bank Asing

Des Des Des 2 0 0 4


46

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 Desember 2003

Bank Persero

BUSN Devisa

BUSN Non Devisa

BPD

Bank Campuran

Bank Asing

Total

3 2 1 4 2 3 2 3

21 17 24 12 29 7 29 6

32 10 32 8 34 6 34 4

19 7 22 4 25 1 21 5

4 20 9 15 7 12 7 12

1 9 2 8 3 7 6 5

80 65 90 51 100 36 99 35

Kelompok Bank Desember 2004


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


3.945 3.074

541 310

20.170 14.335

126 568

1.211 890

5.453 3.950

1.058 261

3.570 2.000

225 123

2.354 2.327

Tabel 7.2 Non Performing Loan Bank Umum Berdasarkan Sektor Ekonomi

Des 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

2.158 1.599

172 150

12.548 12.128

306 311

851 425

5.343 4.587

1.629 1.103

2.251 1.568

442 369

3.484 2.936


48


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


1.653 1.152 975 991

285 72 47 47

3.601 4.681 4.994 3.907

18 85 1 6

393 277 568 576

1.320 1.450 1.963 2.951

65 139 573 560

724 207 415 436

23 30 1.982 2.008

745 995 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

1.651

27

7.273

-

566

2.975

748

574

337

1.540

1.132

26

6.814

-

164

2.575

612

333

280

1.176


49


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


856 1.159 837 877 810 763 717 673 733 701 662 552 560 232 217

126 56 141 136 132 132 135 156 154 145 99 97 89 96 100

3.580 2.310 3.161 2.773 2.571 1.202 1.235 1.173 1.372 1.620 1.524 1.632 1.657 1.919 2.067

31 433 286 287 287 291 295 314 318 310 318 308 305 303 309

443 271 61 74 75 163 161 168 148 153 161 151 138 76 74

1.770 1.158 2.020 2.068 2.169 1.654 1.712 1.820 1.617 1.672 1.601 1.590 1.599 1.606 1.348

666 50 532 546 545 554 765 824 833 833 844 836 839 808 438

2.002 1.409 1.181 1.126 1.213 1.287 1.302 1.282 1.449 1.422 1.450 1.342 1.367 1.321 867

37 17 52 52 47 67 74 56 61 71 79 64 61 63 58

363 473 566 631 678 698 721 748 732 766 783 825 841 867 717

Tabel 7.4 Non Performing Loan BUSN Devisa Berdasarkan Sektor Ekonomi


2004


50


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


41 15 52 56 56 55 54 54 52 52 52 50 50 50 48

3 - 1 2 2 1 1 1 1 1 1 1 1 1 1

66 93 89 104 110 107 135 123 139 135 111 120 136 131 129

- - 0 0 0 0 0 0 0 0 0 0 0 0 0

21 10 25 57 57 55 49 46 44 42 43 42 42 44 43

110 110 152 162 155 148 146 153 125 121 135 132 109 113 112

21 15 22 30 30 28 28 25 24 24 23 23 22 23 17

44 39 25 50 50 51 50 54 55 62 62 57 58 49 55

11 6 5 14 14 15 14 9 8 10 7 8 9 10 15

98 170 154 175 180 184 179 139 129 134 145 147 147 175 190

Tabel 7.5 Non Performing Loan BUSN Non Devisa Berdasarkan Sektor Ekonomi


2004


51


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


88 66 42 50 55 57 56 76 69 68 79 76 97 84 56

- - 4 4 3 3 3 3 4 5 5 5 5 5 5

43 37 28 36 36 38 38 38 31 37 37 40 36 33 25

- - 0 0 0 0 0 0 0 0 0 0 0 1 0

159 95 87 92 104 111 131 141 148 138 153 137 137 140 117

101 112 170 192 202 264 231 245 235 255 260 263 270 282 216

6 6 16 20 21 16 20 21 21 24 24 21 31 30 16

12 21 46 62 59 57 60 95 105 107 109 102 96 97 85

5 8 8 10 11 11 11 14 15 12 13 13 13 14 15

66 71 89 109 109 107 113 121 113 110 117 120 131 133 111

Tabel 7.6 Non Performing Loan BPD Berdasarkan Sektor Ekonomi


2004


52


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


865 534 211 212 212 212 214 188 189 182 185 181 175 142 145

93 36 59 60 60 60 61 - - - - - - - -

4.551 3.015 2.019 2.034 1.997 1.906 1.955 1.941 1.623 1.571 1.604 1.487 1.516 1.485 1.300

77 50 40 40 - - - 13 13 3 3 2 2 2 2

189 201 16 46 15 15 15 16 17 17 45 26 26 26 26

799 399 259 314 295 312 322 288 274 260 305 276 273 270 236

26 37 19 19 19 19 19 21 21 20 21 21 21 20 21

414 269 208 209 224 226 225 239 217 209 182 174 172 172 190

54 45 36 37 40 17 16 12 12 2 2 2 2 2 1

256 91 117 123 130 135 143 150 159 165 172 90 90 94 45

Tabel 7.7 Non Performing Loan Bank Campuran Berdasarkan Sektor Ekonomi


2004


53


2. Pertambangan

3. Perindustrian


5. Konstruksi



8. Jasa Dunia usaha


10. Lain-lain

Milyar Rp


442 148 - - - - - - - - - - - - -

34 146 42 42 42 42 43 45 45 375 547 714 701 888 1.377

8.330 4.201 2.816 2.651 2.589 2.545 2.739 2.668 2.530 2.511 2.376 1.923 1.809 1.707 1.795

- - - - - - - 56 56 55 56 - - - -

7 34 1 1 1 1 1 1 - 1 1 - - - -

1.352 723 348 236 167 168 161 171 117 114 116 113 101 97 99

276 15 - - - - - - - - - - - - -

375 54 182 199 163 163 161 164 181 232 268 54 57 39 38

94 18 - - 17 17 - 18 - - - 16 16 16 -

827 525 689 700 708 751 759 767 571 572 582 625 646 676 697

Tabel 7.8 Non Performing Loan Bank Asing Berdasarkan Sektor Ekonomi


2004


54

Milyar Rp


Tabel 7.9 Non Performing Loan Bank Umum Berdasarkan Jenis Penggunaan

Des 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

334 177 173 237 224 225 222 227 353 344 351 798 204 208 150359 302 522 562 514 427 452 463 519 574 451 421 402 416 406

19.447 15.432 16.850 16.882 16.981 14.962 15.153 16.243 16.550 16.128 16.382 15.353 15.415 15.627 13.903

20.140 15.911 17.545 17.681 17.719 15.614 15.827 16.934 17.422 17.045 17.184 16.572 16.021 16.252 14.459

766 629 583 443 424 383 389 430 430 430 444 355 345 337 3312.385 1.909 1.107 1.192 1.270 1.175 1.163 1.114 1.249 1.134 1.162 1.128 1.361 811 6439.602 7.753 7.654 7.220 7.617 7.471 7.892 8.468 8.392 8.087 7.860 7.860 7.794 8.382 6.891

12.754 10.291 9.344 8.855 9.312 9.028 9.443 10.012 10.071 9.652 9.465 9.344 9.501 9.531 7.866

255 216 419 508 536 502 517 526 511 527 542 559 574 607 465113 160 192 213 237 257 245 269 264 284 291 310 303 331 27214 16 31 35 35 39 34 35 35 35 39 40 46 50 48

810 1.716 2.333 2.181 2.389 2.660 2.720 2.727 2.123 2.188 2.208 2.125 2.174 2.414 2.065

1.191 2.107 2.975 2.938 3.197 3.459 3.516 3.555 2.933 3.033 3.080 3.034 3.098 3.402 2.850

2004


55

Milyar Rp


Tabel 7.10 Non Performing Loan Bank Persero Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

95 22 58 67 47 77 79 86 88 77 76 669 78 82 31331 231 356 350 365 313 342 355 352 410 343 313 294 307 266

3.911 4.551 7.055 7.323 7.683 7.456 7.525 8.639 9.324 8.812 8.988 8.774 8.936 9.205 8.270

4.336 4.804 7.469 7.740 8.095 7.846 7.946 9.081 9.764 9.300 9.407 9.755 9.309 9.594 8.567

23 20 198 6 7 4 5 17 74 75 79 3 3 3 11.488 721 364 332 325 336 323 339 505 459 452 533 768 579 445

2.577 2.706 3.555 3.474 3.946 3.616 3.635 4.097 4.089 3.618 3.643 3.638 3.496 4.031 2.975

4.088 3.446 4.116 3.812 4.278 3.956 3.962 4.454 4.669 4.152 4.174 4.173 4.267 4.612 3.421

147 95 311 393 422 386 409 407 398 406 412 426 442 466 3376 5 8 9 14 14 14 15 14 16 17 23 20 24 234 3 8 11 11 11 14 13 14 13 16 16 21 21 17

249 736 1.037 792 951 1.179 1.170 1.202 807 856 843 768 766 973 748

406 839 1.364 1.205 1.397 1.590 1.607 1.637 1.233 1.291 1.287 1.232 1.249 1.485 1.124

2004


56

Milyar Rp


Tabel 7.11 Non Performing Loan BUSN Devisa Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

179 42 62 71 74 63 66 63 192 195 201 60 60 60 558 26 112 143 81 44 43 44 104 101 40 42 42 43 82

5.117 3.209 4.647 4.379 4.263 2.559 2.483 2.421 2.409 2.591 2.596 2.591 2.561 2.649 2.063

5.304 3.277 4.822 4.594 4.418 2.666 2.592 2.528 2.705 2.887 2.838 2.693 2.663 2.752 2.200

294 182 129 224 235 194 197 214 214 218 224 215 206 203 197261 681 471 582 667 579 578 538 538 451 483 374 374 47 47

3.784 3.199 2.848 2.538 2.529 2.674 3.029 3.185 3.227 3.370 3.194 3.289 3.372 3.445 3.064

4.339 4.062 3.448 3.344 3.432 3.447 3.804 3.938 3.979 4.039 3.901 3.878 3.952 3.696 3.308

74 79 59 64 67 72 69 71 66 69 77 76 75 77 69100 144 176 194 205 201 218 240 235 253 257 270 266 289 231

6 11 21 22 22 26 19 20 19 20 21 22 23 27 28114 228 310 351 384 399 415 418 411 424 427 457 476 452 356

295 462 566 631 678 698 721 748 732 766 782 825 840 845 686

2004


57

Milyar Rp


Tabel 7.12 Non Performing Loan BUSN Non Devisa Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

19 7 12 40 40 39 31 31 30 30 30 30 30 30 302 2 39 54 54 53 53 52 52 52 56 56 56 56 51

234 227 247 312 310 297 324 317 300 298 287 282 276 278 292

254 237 298 405 403 390 408 399 381 379 372 367 361 363 372

7 5 7 7 7 7 7 7 7 7 7 7 7 3 35 4 1 2 2 2 2 1 1 1 1 1 1 1 -

69 51 66 62 62 61 61 59 58 59 53 59 58 53 45

80 59 74 71 71 69 70 67 66 67 62 67 66 57 48

22 25 32 34 30 30 23 29 29 34 36 39 39 46 443 8 6 7 15 14 10 10 10 10 13 13 12 13 133 1 - - - - - - - - - - - - 0

57 133 115 132 134 138 145 99 90 89 95 95 95 116 133

85 166 153 174 179 182 178 137 129 134 144 147 147 175 190

2004


58

Milyar Rp


Tabel 7.13 Non Performing Loan BPD Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

5 44 28 29 33 15 15 15 13 12 14 16 12 13 103 3 4 4 4 5 6 4 4 3 4 3 4 4 1

250 173 239 275 303 381 352 409 401 415 440 418 436 445 348

258 221 271 307 339 400 373 429 417 430 458 437 452 462 359

2 2 3 4 3 4 3 3 3 3 3 3 3 2 175 50 14 18 18 21 21 21 21 21 21 21 25 25 17

101 81 118 143 134 136 157 185 192 198 204 202 212 200 162

178 132 135 164 156 161 181 210 216 222 228 226 239 227 180

12 16 17 17 17 15 16 18 17 17 17 17 17 18 15- - 1 1 1 1 2 2 2 2 3 3 3 2 21 1 1 1 1 1 1 1 1 1 1 1 2 2 2

32 46 67 87 85 86 90 95 88 84 91 94 104 106 89

45 63 86 105 105 102 108 116 108 105 112 115 126 128 108

2004


59

Milyar Rp


Tabel 7.14 Non Performing Loan Bank Campuran Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

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

4.344 2.553 1.659 1.724 1.679 1.594 1.623 1.581 1.431 1.421 1.517 1.416 1.444 1.425 1.250

4.519 2.611 1.674 1.758 1.713 1.628 1.653 1.613 1.463 1.452 1.548 1.442 1.469 1.450 1.276

271 282 137 203 172 174 177 189 131 128 131 128 127 126 130297 432 258 258 258 237 239 214 184 201 205 200 193 160 134

2.190 1.293 799 750 718 729 759 701 587 483 464 400 398 382 381

2.758 2.007 1.193 1.211 1.148 1.140 1.174 1.104 902 812 800 727 718 669 645

- - - - - - - - - - - - - - 0- - - - - - - - - - - - - - -- - - - - - - - - - - - - - -

30 57 116 123 129 135 143 150 159 165 172 90 90 94 45

30 57 117 123 130 135 143 150 159 165 172 90 90 94 45

2004


60

Milyar Rp


Tabel 7.15 Non Performing Loan Bank Asing Berdasarkan Jenis Penggunaan



Total Modal Kerja


Total Investasi


Total Konsumsi

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

9.935 4.719 3.003 2.868 2.743 2.674 2.847 2.876 2.684 2.591 2.556 1.872 1.761 1.625 1.680

9.988 4.761 3.011 2.876 2.751 2.682 2.855 2.884 2.691 2.597 2.562 1.878 1.767 1.632 1.686

168 139 109 - - - - - - - - - - - -261 22 - - - - - - - - - - - - -881 424 269 253 228 255 251 239 240 360 301 272 259 270 264

1.311 585 378 253 228 255 251 239 240 360 301 272 259 270 264

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

328 516 686 696 705 723 756 764 568 569 579 622 643 673 694

332 520 689 700 708 751 759 767 571 571 582 625 646 676 697

2004


61

Milyar Rp


Tabel 7.16 Non Performing Loan Berdasarkan Lokasi Penyaluran Kredit

Des Des DesLokasi

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 1.777 1.807 1.998 2.004 1.582 1.557 1.589 1.556 1.569 1.478 1.526 1.610 1.395408 369 250 250 253 253 267 276 244

27.682 16.247 20.802 20.923 20.591 18.668 19.344 20.618 20.309 20.003 20.050 18.587 18.741 19.276 17.71517 37 39 40 58 65 67 66 74 81 79 77 70 73 62

418 628 360 505 521 583 607 640 777 665 687 712 727 719 4952.703 2.931 2.590 2.457 2.589 2.639 2.816 2.910 2.885 2.784 2.728 2.654 2.682 2.704 2.105

80 19 30 33 36 38 31 33 32 32 33 31 32 33 2923 97 91 67 70 73 65 79 87 84 99 107 92 96 71

185 45 50 54 55 55 54 51 44 47 52 53 54 57 57 738 2.415 1.006 1.042 1.107 1.171 1.160 1.153 1.078 1.136 1.189 1.186 1.179 1.171 784 128 104 92 93 94 88 83 105 106 166 161 171 200 193 160 875 584 310 340 397 421 370 435 621 604 527 532 512 529 257

83 93 278 165 197 175 139 145 153 163 167 157 163 167 13328 29 30 27 26 22 14 13 9

214 207 73 80 79 88 93 101 104 103 108 104 107 104 77268 624 55 96 101 102 98 107 83 75 72 85 95 99 7477 24 88 79 82 104 103 128 114 127 142 165 169 157 120

129 46 114 123 134 143 152 176 175 193 201 219 279 294 147 22 101 20 28 29 29 44 38 40 40 41 36 34 33 29 17 28 73 76 81 78 71 37 38 41 43 47 57 52 46329 900 1.031 509 971 466 470 604 604 656 603 1.271 707 605 45335 60 106 125 145 161 166 175 172 159 153 159 168 177 132

17 21 21 23 21 21 24 23 19 14 18 33 35 41 37 47 49 81 59 62 65 70 69 5517 32 48 44 51 51 51 56 51 54 52 58 57 57 47

370 264 323 263 309 260 294 343 270 290 298 235 238 237 14710 11 14 393 395 394 395 404 168 173 174 187 185 188 18824 17 12 12 12 13 15 15 15 14 15 16 18 17 21

21 34 25 26 27 29 29 31 33 39 38 41 40 43 32 3 4 4 4 5 5 4 5 5 5 5 6 6 6 6

2.416 127 52 52 52 160 75 80 79 80 82 120 106 104 67

2004


62

Milyar Rp


Tabel 7.17 Non Performing Penerusan Kredit ( Off Balancesheet )

Des Des DesKelompok Bank

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 7.494 7.641 7.652 7.734 7.769 7.343 7.379 7.146 7.186 7.139 7.428 6.773 6.91238.367 34.810 32.095 32.160 31.963 32.116 32.033 32.741 32.834 32.124 32.452 31.590 31.925 31.903 30.963

8,07 10,25 23,35 23,76 23,94 24,08 24,25 22,43 22,47 22,24 22,14 22,60 23,27 21,23 22,32

919 945 954 961 957 946 959 1.056 1.123 1.126 1.126 1.129 1.129 1.128 1.1302.525 2.528 2.508 2.507 2.551 2.536 2.534 2.554 2.556 2.506 2.558 2.560 2.601 2.601 2.71036,41 37,38 38,04 38,32 37,52 37,30 37,84 41,35 43,96 44,94 44,03 44,11 43,41 43,37 41,68

14 15 13 14 14 14 14 14 14 14 14 14 14 14 1549 45 42 43 43 43 43 43 42 42 42 42 42 42 42

28,57 33,12 31,28 32,73 32,69 32,69 32,68 32,62 32,59 32,59 32,59 32,58 32,58 32,57 34,74

718 806 819 875 860 894 899 900 985 987 985 990 1.005 982 1.0051.662 1.846 1.956 2.008 1.713 1.834 1.850 1.856 1.859 1.859 1.859 1.855 1.859 1.874 1.87543,18 43,68 41,88 43,58 50,22 48,76 48,60 48,50 52,98 53,10 53,01 53,37 54,06 52,38 53,63

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

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

4.747 5.335 9.280 9.491 9.483 9.588 9.641 9.314 9.501 9.273 9.311 9.273 9.577 8.897 9.06242.603 39.230 36.601 36.717 36.270 36.530 36.460 37.194 37.291 36.532 36.911 36.048 36.428 36.421 35.591

11,14 13,60 25,35 25,85 26,15 26,25 26,44 25,04 25,48 25,38 25,23 25,72 26,29 24,43 25,46

2004


63

Tabel 8.1 Komposisi DPK Bank Umum

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas

Total DPKRupiahValas

184.869 23,19 196.226 23,48 217.998 24,53 245.722 25,51119.995 15,05 130.238 15,58 150.117 16,89 170.843 17,7464.874 8,14 65.988 7,90 67.881 7,64 74.879 7,77

439.905 55,17 446.191 53,39 428.833 48,26 420.990 43,71344.854 43,25 364.567 43,62 351.840 39,60 351.460 36,4995.051 11,92 81.624 9,77 76.993 8,66 69.530 7,22

172.588 21,64 193.361 23,14 241.736 27,21 296.394 30,77171.304 21,48 192.589 23,04 240.663 27,08 295.905 30,72

1.284 0,16 772 0,09 1.073 0,12 489 0,05

797.362 100 835.778 100 888.567 100 963.106 100636.153 79,78 687.394 82,25 742.619 83,57 818.208 84,96161.209 20,22 148.384 17,75 145.948 16,43 144.898 15,04

Milyar Rp

Nominal Komposisi thdTotal DPK (%)

Desember 2002


Desember 2003

NominalKomposisi thdTotal DPK (%)

Desember 2004



64

Tabel 8.2 Komposisi DPK Bank Persero

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


64.188 17,62 67.017 18,09 77.136 20,93 83.211 22,1550.780 13,94 51.157 13,81 59.839 16,24 63.449 16,8913.408 3,68 15.860 4,28 17.297 4,69 19.762 5,26

220.211 60,46 212.896 57,46 177.770 48,24 151.350 40,28183.582 50,41 181.524 48,99 149.656 40,61 128.831 34,29

36.629 10,06 31.372 8,47 28.114 7,63 22.519 5,99

79.807 21,91 90.630 24,46 113.574 30,82 141.171 37,5779.645 21,87 90.571 24,44 113.486 30,80 141.048 37,54

162 0,04 59 0,02 88 0,02 123 0,03

364.206 100 370.542 100 368.479 100 375.731 100314.007 86,22 323.252 87,24 322.981 87,65 333.328 88,71

50.199 13,78 47.290 12,76 45.498 12,35 42.403 11,29

Milyar Rp


Desember 2002


Desember 2003


Desember 2004



65

Tabel 8.3 Komposisi DPK BUSN Devisa

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


60.981 20,99 67.497 21,02 78.313 21,72 87.642 21,7236.677 12,62 42.553 13,25 51.153 14,19 60.240 14,9324.304 8,36 24.944 7,77 27.160 7,53 27.402 6,79

149.358 51,40 164.574 51,25 172.348 47,80 181.537 44,99125.120 43,06 140.505 43,76 148.832 41,28 162.725 40,3324.238 8,34 24.069 7,50 23.516 6,52 18.812 4,66

80.237 27,61 89.040 27,73 109.875 30,48 134.351 33,2980.232 27,61 89.032 27,73 109.863 30,47 134.323 33,29

5 - 8 - 12 0,00 28 0,01

290.576 100 321.111 100 360.536 100 403.530 100242.029 83,29 272.090 84,73 309.848 85,94 357.288 88,5448.547 16,71 49.021 15,27 50.688 14,06 46.242 11,46

Milyar Rp


Desember 2002


Desember 2003


Desember 2004



66

Tabel 8.4 Komposisi DPK BUSN Non Devisa

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


1.352 9,79 1.433 8,40 1.718 8,59 1.900 9,911.352 9,79 1.433 8,40 1.718 8,59 1.900 9,91

- - - - - 0,00 - -

10.690 77,42 13.866 81,33 16.271 81,40 15.049 78,5210.690 77,42 13.866 81,33 16.271 81,40 15.049 78,52

- - - - - 0,00 - -

1.766 12,79 1.751 10,27 2.000 10,01 2.217 11,571.766 12,79 1.751 10,27 2.000 10,01 2.217 11,57

- - - - - 0,00 - -

13.808 100 17.050 100 19.989 100 19.166 10013.808 100 17.050 100 19.989 100 19.166 100

- - - - - 0,00 - -

Milyar Rp


Desember 2002


Desember 2003


Desember 2004



67

Tabel 8.5 Komposisi DPK BPD

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


22.785 61,63 25.773 56,32 26.492 51,25 30.463 51,2122.769 61,59 25.750 56,27 26.452 51,17 30.401 51,11

16 0,04 23 0,05 40 0,08 62 0,10

7.025 19,00 10.987 24,01 12.553 24,28 13.628 22,917.011 18,97 10.970 23,97 12.536 24,25 13.560 22,80

14 0,04 17 0,04 17 0,03 68 0,11

7.158 19,36 8.998 19,66 12.650 24,47 15.395 25,887.158 19,36 8.998 19,66 12.650 24,47 15.395 25,88

- - - - - - - -

36.968 100 45.758 100 51.695 100 59.486 10036.938 99,92 45.717 99,91 51.638 99,89 59.356 99,78

30 0,08 41 0,09 57 0,11 130 0,22

Milyar Rp


Desember 2002


Desember 2003


Desember 2004



68

Tabel 8.6 Komposisi DPK Bank Campuran

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


9.870 42,24 9.244 43,16 8.938 40,95 10.399 36,752.194 9,39 2.609 12,18 2.314 10,60 2.895 10,237.676 32,85 6.635 30,98 6.624 30,35 7.504 26,52

12.819 54,86 11.907 55,59 12.452 57,05 17.563 62,084.295 18,38 4.642 21,67 6.167 28,25 9.413 33,278.524 36,48 7.265 33,92 6.285 28,79 8.150 28,81

677 2,90 266 1,24 437 2,00 331 1,17200 0,86 136 0,63 238 1,09 331 1,17477 2,04 130 0,61 199 0,91 - 0,00

23.366 100 21.418 100 21.827 100 28.293 1006.689 28,63 7.388 34,49 8.719 39,95 12.639 44,67

16.677 71,37 14.030 65,51 13.108 60,05 15.654 55,33

Milyar Rp


Desember 2002


Desember 2003


Desember 2004



69

Tabel 8.7 Komposisi DPK Bank Asing

Desember 2001

GiroRupiahValas

DepositoRupiahValas

TabunganRupiahValas


25.692 37,54 25.262 42,17 25.401 38,46 31.352 41,926.222 9,09 6.735 11,24 8.640 13,08 11.744 15,70

19.470 28,45 18.527 30,93 16.761 25,38 19.608 26,22

39.803 58,16 31.962 53,36 37.439 56,69 40.556 54,2214.157 20,69 13.061 21,80 18.377 27,83 21.149 28,2825.646 37,47 18.901 31,55 19.062 28,86 19.407 25,95

2.941 4,30 2.677 4,47 3.201 4,85 2.888 3,862.302 3,36 2.102 3,51 2.427 3,67 2.550 3,41

639 0,93 575 0,96 774 1,17 338 0,45

68.436 100 59.900 100 66.041 100 74.796 10022.681 33,14 21.898 36,56 29.444 44,58 35.443 47,3945.755 66,86 38.002 63,44 36.597 55,42 39.353 52,61

Milyar Rp


Desember 2002


Desember 2003


Desember 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 177.253 19,95 PT Bank Mandiri 170.019 17,652 PT Bank Negara Indonesia Tbk 100.946 12,66 PT Bank Central Asia Tbk 103.698 12,41 PT Bank Central Asia Tbk 118.010 13,28 PT Bank Central Asia Tbk 131.638 13,673 PT Bank Central Asia Tbk 90.264 11,32 PT Bank Negara Indonesia Tbk 98.439 11,78 PT Bank Negara Indonesia Tbk 104.713 11,78 PT Bank Negara Indonesia Tbk 105.535 10,964 PT Bank Rakyat Indonesia 57.788 7,25 PT Bank Rakyat Indonesia 69.226 8,28 PT Bank Rakyat Indonesia 67.387 7,58 PT Bank Rakyat Indonesia 81.309 8,445 PT Bank Danamon Indonesia Tbk 39.799 4,99 PT Bank Danamon Indonesia Tbk 34.898 4,18 PT Bank Danamon Indonesia Tbk 39.623 4,46 PT Bank Danamon Indonesia Tbk 40.376 4,196 PT Bank Internasional Indonesia Tbk 24.956 3,13 PT Bank Internasional Indonesia Tbk 29.356 3,51 PT Bank Internasional Indonesia Tbk 28.541 3,21 PT Bank Internasional Indonesia Tbk 29.495 3,067 Citibank N.A 20.897 2,62 PT Lippo Bank Tbk 22.056 2,64 PT Lippo Bank Tbk 23.532 2,65 PT Bank Permata Tbk 25.974 2,708 PT Lippo Bank Tbk 20.023 2,51 PT Bank Permata Tbk 21.850 2,61 PT Bank Permata Tbk 23.446 2,64 PT Lippo Bank Tbk 24.852 2,589 PT Bank Tabungan Negara 18.916 2,37 PT Bank Tabungan Negara 19.913 2,38 PT Bank Niaga Tbk 19.350 2,18 PT Bank Niaga Tbk 24.740 2,57

10 PT Bank Niaga Tbk 17.298 2,17 Citibank N.A 18.491 2,21 Citibank N.A 19.318 2,17 Citibank N.A 19.909 2,07



Nama BankTotalDPK

Pangsa thdTotal DPK Bank

Umum (%)


Nama BankTotalDPK


Umum (%)Nama Bank

TotalDPK



DPk


Umum (%)


71

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

Tabel 8.9 Penghimpunan DPK Berdasarkan Lokasi ( Desember 2004 )

Pangsa ThdTotal DPK

(%)Milyar Rp11.780 3.446 30.030 37 27.937 3.574 69.748 7.057 76.805 7.974.433 568 5.295 1 4.785 529 14.513 1.097 15.611 1.62

89.068 53.660 92.038 266 216.357 53.023 397.463 106.949 504.412 52.371.585 319 5.395 2 2.659 256 9.639 577 10.215 1.066.741 1.890 23.235 51 13.623 1.191 43.599 3.132 46.731 4.85

15.862 5.310 36.615 31 32.766 4.740 85.243 10.082 95.325 9.90404 17 1.020 - 327 3 1.751 20 1.771 0.18

1.097 159 2.782 0 1.201 45 5.080 205 5.285 0.552.954 99 3.438 0 1.363 46 7.754 145 7.900 0.826.324 1.882 18.849 49 16.001 1.903 41.174 3.834 45.008 4.671.543 182 4.219 1 2.093 111 7.855 295 8.150 0.856.156 2.007 10.752 0 4.219 425 21.126 2.433 23.559 2.452.477 632 6.457 0 4.980 569 13.915 1.201 15.116 1.57

677 41 1.662 0 555 64 2.894 105 2.999 0.311.271 168 3.301 1 1.570 131 6.143 299 6.442 0.671.328 242 4.034 0 1.205 76 6.568 317 6.885 0.711.195 309 5.170 0 2.153 64 8.518 373 8.891 0.923.482 922 8.938 0 3.942 429 16.361 1.351 17.713 1.84

932 23 1.836 0 548 13 3.317 36 3.353 0.35620 34 1.708 - 507 15 2.835 49 2.884 0.30

2.635 408 7.961 1 3.519 136 14.115 544 14.660 1.52583 184 2.534 0 1.169 146 4.286 330 4.616 0.48194 5 474 0 148 12 815 17 833 0.09410 30 1.232 0 300 4 1.942 34 1.976 0.21670 67 1.997 0 588 17 3.255 85 3.339 0.35

2.319 1.318 7.077 2 4.233 353 13.629 1.674 15.303 1.591.227 24 2.236 1 842 30 4.305 55 4.360 0.45

732 54 1.521 - 564 20 2.818 74 2.892 0.301.974 268 3.653 0 1.161 70 6.788 338 7.126 0.74

167 1 446 - 146 1 759 1 760 0.08- 607 - 44 - 1.536 - 2.187 2.187 0.23

170.843 74.879 295.905 489 351.460 69.530 818.208 144.898 963.105 100


Total

Lokasi


72

Milyar Rp


Tabel 8.10 Penghimpunan DPK Berdasarkan Lokasi Penghimpunan

Des 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

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

74.35514.600

493.688 9.82444.91994.693 1.654 4.8957.322

42.746 7.70222.02813.9852.875 6.299 6.384 8.40416.180 3.0672.640

13.8324.043 739

1.8783.077

14.830 4.0862.5456.540 649

2.021

932.500

76.80515.611

504.41210.215 46.73195.325

1.7715.2857.900

45.0088.150

23.55915.1162.9996.4426.8858.891

17.7133.3532.884

14.6604.616 833

1.9763.339

15.3034.3602.892

7.126760

2.187

963.105


73

Milyar Rp


Tabel 8.11 Deposito Berdasarkan Jangka Waktu Simpanan

Des Des Des

126.362 115.329 107.765 105.380 101.877 100.876 102.054 99.428 100.359 102.007 100.044 99.027 97.358 97.415 100.339122.877 133.119 129.495 127.866 120.625 120.710 124.983 128.012 132.568 135.137 136.184 138.095 137.059 136.873 148.028

7.379 7.967 8.304 8.011 7.981 8.007 8.308 8.612 9.527 10.277 10.494 10.715 10.648 10.282 11.0544.363 6.296 6.386 7.004 7.433 8.028 8.656 8.646 10.014 9.753 8.782 8.436 8.146 8.366 7.512

10.646 10.015 9.955 11.183 11.057 11.838 11.345 12.148 12.463 11.365 11.967 12.966 13.268 13.140 12.81931.488 25.609 29.982 32.068 31.991 31.985 32.512 36.816 35.219 35.180 36.952 37.108 36.072 34.955 35.483

303.115 298.335 291.886 291.512 280.963 281.444 287.857 293.663 300.149 303.720 304.422 306.348 302.551 301.031 315.235

51.743 46.838 31.267 29.848 28.637 27.105 27.893 27.376 26.615 22.815 23.405 24.284 24.453 22.568 22.26021.138 22.465 26.853 26.754 26.080 24.605 22.927 22.368 21.510 20.338 19.941 20.234 19.500 19.358 19.706

2.351 4.211 3.602 3.423 3.380 3.096 3.268 2.871 2.576 2.624 2.708 2.818 2.906 2.474 2.3551.320 2.305 1.908 2.208 2.255 2.152 2.236 3.128 2.905 2.891 2.773 3.463 3.385 2.068 1.6681.728 1.186 1.242 1.549 1.666 1.698 1.382 1.110 1.032 1.132 1.604 1.804 1.872 1.763 2.3414.852 3.445 4.950 4.848 4.454 3.622 3.453 2.928 3.816 3.621 3.588 4.379 4.221 3.878 3.824

83.131 80.449 69.822 68.629 66.472 62.277 61.158 59.782 58.454 53.421 54.020 56.982 56.337 52.108 52.155

13.443 14.183 11.910 12.191 12.820 13.553 12.817 12.212 12.407 12.021 12.899 13.464 13.591 15.030 16.2762.701 4.347 7.205 6.438 5.690 5.168 5.199 4.703 4.500 4.621 5.681 5.831 6.201 6.963 7.601

485 501 2.687 2.448 2.127 1.768 1.799 1.344 1.234 1.090 1.024 1.007 1.069 1.081 1.176408 561 1.094 1.005 1.038 997 1.014 1.101 1.070 1.418 1.997 1.960 2.075 2.745 2.931250 291 525 626 750 729 741 682 570 522 526 727 873 1.174 1.327

2.056 1.234 1.087 1.258 1.246 1.104 1.103 942 944 902 1.028 989 1.036 1.116 1.19519.342 21.117 24.509 23.966 23.672 23.319 22.674 20.983 20.725 20.574 23.154 23.978 24.845 28.110 30.505

9.869 15.676 17.727 18.688 16.791 16.289 15.545 14.086 11.052 10.264 10.518 9.370 8.035 7.818 7.6072.544 4.417 8.590 8.751 8.504 7.984 8.045 7.587 7.013 6.826 6.713 6.706 6.468 6.114 6.073

473 1.136 1.596 1.624 1.478 1.175 1.197 985 884 791 673 700 614 454 440899 1.622 2.978 3.052 2.849 2.811 2.620 2.478 1.814 1.808 1.784 1.813 1.756 1.539 1.501172 300 497 530 471 458 473 508 520 571 530 547 549 614 741

1.260 1.146 1.111 1.033 1.055 1.821 1.879 1.834 1.654 1.517 1.487 1.339 1.276 1.355 1.11915.219 24.297 32.500 33.678 31.148 30.537 29.758 27.478 22.937 21.777 21.704 20.475 18.699 17.894 17.480

18.794 20.869 9.100 7.793 6.451 3.685 2.379 2.246 5.242 3.811 3.658 2.645 5.418 4.588 4.86792 226 204 156 150 131 116 102 99 100 127 106 104 111 1302 52 83 105 74 51 116 53 57 50 50 56 49 24 24

34 203 187 181 173 152 64 41 26 30 12 13 14 14 1522 115 233 130 97 87 89 89 90 91 107 90 103 302 336

148 528 308 274 5 5 262 266 267 271 265 240 239 240 24219.092 21.993 10.116 8.640 6.950 4.110 3.027 2.796 5.781 4.353 4.218 3.150 5.927 5.278 5.615

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 73.294 16,64 PT Bank Mandiri Tbk 88.194 15,762 PT Bank Negara Indonesia Tbk 32.950 10,43 PT Bank Rakyat Indonesia 39.347 10,60 PT Bank Negara Indonesia Tbk 46.523 10,56 PT Bank Rakyat Indonesia 61.518 11,003 PT Bank Rakyat Indonesia 32.574 10,31 PT Bank Negara Indonesia Tbk 37.337 10,06 PT Bank Rakyat Indonesia 45.874 10,41 PT Bank Negara Indonesia Tbk 58.824 10,514 PT Bank Central Asia Tbk 14.516 4,59 PT Bank Central Asia Tbk 21.191 5,71 PT Bank Central Asia Tbk 29.051 6,60 PT Bank Central Asia Tbk 40.283 7,205 Citibank N.A 11.444 3,62 PT Bank Danamon Indonesia (Tbk) 18.452 4,97 PT Bank Danamon Indonesia Tbk 22.626 5,14 PT Bank Danamon Indonesia Tbk 29.217 5,226 PT Bank Danamon Indonesia (Tbk) 10.588 3,35 Citibank N.A 11.121 3,00 PT Bank Niaga Tbk 14.003 3,18 PT Bank Niaga Tbk 21.317 3,817 PT Bank International Indonesia Tbk 8.751 2,77 PT Bank Niaga Tbk 10.698 2,88 PT Bank Bukopin 13.214 3,00 PT Bank Permata Tbk 14.841 2,658 The Hongkong & Shanghai B.C 8.533 2,70 PT Bank Tabungan Negara 10.293 2,77 PT Bank Tabungan Negara 11.158 2,53 PT Bank Bukopin 12.974 2,329 PT Bank Tabungan Negara 8.405 2,66 PT Bank Permata Tbk 8.982 2,42 PT Bank Internasional Indonesia 9.997 2,27 PT Bank Internasional Indonesia 12.865 2,30

10 PT Bank Niaga Tbk 7.876 2,49 PT Bukopin 8.493 2,29 Citibank N.A 9.876 2,24 PT Bank Tabungan Negara 12.607 2,25



Nama BankTotalKredit

Pangsa thdTotal Kredit Bank

Umum (%)


Nama BankTotalKredit



Kredit



Kredit


Umum (%)


75

Milyar Rp


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 24.573 26.972 27.346 26.779 24.987 25.472 27.349 26.841 27.286 31.030 32.130 31.807 33.140

3.064 3.901 5.122 5.165 5.096 5.854 5.604 5.944 6.411 6.037 6.546 6.586 6.614 6.934 7.819

118.657 122.657 123.810 118.588 116.861 117.358 125.191 130.965 136.485 135.692 139.253 136.335 137.773 138.743 144.917

5.062 4.352 4.475 4.409 4.378 5.352 5.446 5.782 5.732 5.634 5.823 5.695 5.694 5.678 5.986

8.228 9.376 12.543 12.392 12.748 12.772 13.937 15.021 16.065 16.708 17.632 18.106 18.861 19.221 19.972

49.297 66.275 85.112 83.644 85.801 87.858 89.875 91.492 98.277 97.493 99.735 105.535 107.880 108.575 113.073

7.601 12.585 16.385 17.542 17.804 18.088 18.095 18.692 18.774 18.355 18.486 17.028 16.874 16.960 17.665

27.744 31.786 44.953 44.006 43.970 45.380 45.852 48.423 50.332 50.248 53.921 52.489 53.161 53.187 56.357

3.556 4.570 10.923 10.616 10.791 9.807 7.419 7.502 7.657 7.695 8.180 7.780 7.874 8.155 8.047

71.543 92.864 112.609 114.992 116.249 120.128 123.204 126.934 124.306 128.945 133.758 137.941 143.975 147.685 152.495

316.059 371.058 440.505 438.326 441.043 449.377 459.611 476.226 491.386 493.648 510.621 518.527 530.835 536.944 559.470

2 0 0 4


76

Milyar Rp


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 15.344 16.702 16.956 16.603 14.563 14.457 15.888 15.164 15.610 19.433 20.449 20.309 20.984

1.928 2.097 3.027 3.183 3.102 3.167 3.020 3.248 3.438 3.363 3.706 3.524 3.694 3.948 4.471

40.662 49.270 50.498 47.126 46.700 47.788 54.291 57.187 61.172 61.147 62.493 57.070 57.697 58.029 60.489

3.017 2.663 2.466 2.438 2.465 3.555 3.636 3.855 3.853 3.752 3.837 3.693 3.675 3.653 3.868

4.804 4.587 6.079 6.090 6.304 6.007 6.753 7.204 7.601 7.593 7.783 8.017 8.185 8.448 9.126

18.191 24.416 31.780 33.041 34.758 35.808 35.148 34.802 39.949 39.570 40.431 44.863 45.169 45.191 46.868

2.520 5.732 6.601 6.213 6.168 6.494 6.116 6.245 6.336 6.246 6.366 5.829 5.738 5.939 6.114

5.818 7.293 9.285 8.720 8.482 9.810 9.249 10.372 10.009 10.231 10.540 9.497 9.708 9.954 10.537

975 973 7.016 6.816 6.991 5.799 2.968 3.038 2.995 3.151 3.314 2.552 2.685 2.671 2.424

31.414 39.801 45.042 45.829 45.894 47.705 49.135 50.921 45.984 48.071 50.061 51.432 53.642 55.132 57.973

121.496 150.632 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640 213.273 222.855

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 6.166 6.922 7.068 6.827 7.005 7.414 7.732 7.975 7.995 7.966 8.013 7.861 8.053

376 1.088 1.364 1.417 1.433 2.155 2.047 2.273 2.298 2.108 2.225 2.151 1.979 2.043 2.231

28.587 33.310 36.447 35.315 35.212 34.216 35.207 36.882 37.919 37.564 38.960 40.520 40.663 41.094 43.999

1.754 1.411 1.539 1.524 1.524 1.404 1.403 1.498 1.536 1.376 1.536 1.568 1.582 1.588 1.630

2.019 2.962 4.166 4.042 4.170 4.261 4.571 4.976 5.266 5.677 5.945 6.346 6.757 6.976 7.503

22.107 31.342 41.819 38.764 39.105 40.516 42.241 44.499 45.837 45.578 46.551 47.810 49.776 50.250 52.831

3.901 5.729 8.541 8.507 8.541 8.560 8.915 9.374 9.430 9.263 9.418 9.293 9.383 9.512 9.420

12.746 16.603 22.898 22.266 22.520 22.899 23.048 24.062 25.932 24.605 25.747 26.746 26.660 26.548 27.965

1.401 2.129 2.218 2.203 2.198 2.347 2.726 2.871 2.985 2.731 2.999 3.201 3.223 3.345 3.488

16.994 25.432 34.802 35.304 35.861 37.033 38.108 38.992 40.731 42.589 44.545 45.891 48.419 50.424 52.057

95.580 125.901 159.959 156.264 157.634 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.456 199.640 209.176


Des Des 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

588 676 692 680 664 702 744 773 792 767 710 757 687 658 644

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

1.016 1.123 1.144 1.164 1.124 1.070 1.117 1.044 1.058 1.079 1.128 1.174 1.202 1.182 1.206

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

200 210 293 301 304 304 298 299 308 335 336 325 319 331 315

1.923 2.553 3.460 3.447 3.506 2.839 3.570 2.829 2.849 2.861 2.929 2.984 2.935 2.981 2.969

381 364 565 604 605 640 664 654 660 657 644 615 596 467 439

626 838 1.504 1.526 1.582 1.525 1.641 1.514 1.494 1.547 1.627 1.724 1.653 1.674 1.841

329 327 483 484 488 501 506 500 507 498 491 498 497 503 524

4.665 5.463 6.346 6.594 6.683 6.837 6.844 6.793 6.784 6.919 7.177 7.286 7.584 7.132 7.123

9.748 11.574 14.526 14.840 14.995 14.457 15.422 14.443 14.487 14.699 15.078 15.396 15.510 14.964 15.101


Des Des 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 1.055 1.136 1.156 1.147 1.160 1.187 1.206 1.223 1.263 1.256 1.329 1.326 1.324

21 19 20 19 20 22 22 23 27 29 28 30 32 32 33

257 325 333 319 311 332 353 346 372 386 387 386 388 396 400

2 4 25 23 21 19 19 17 17 16 14 11 9 9 8

731 1.012 1.502 1.410 1.497 1.713 1.823 1.996 2.192 2.367 2.555 2.599 2.690 2.607 2.148

2.108 3.693 4.405 4.858 4.990 5.168 5.342 5.548 5.688 5.678 5.850 5.992 6.152 6.266 6.293

135 250 237 245 249 247 283 283 286 287 304 293 282 290 286

239 686 2.212 2.262 2.216 2.128 2.124 2.117 2.054 2.020 1.951 1.984 1.930 1.888 1.964

279 589 742 655 630 703 629 621 701 689 720 750 805 877 846

11.090 13.950 17.818 18.366 18.809 19.411 20.070 20.634 21.114 21.692 22.077 22.642 23.298 23.533 23.929

15.396 21.498 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.917 37.223 37.232


Des Des 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

1.470 888 924 927 827 740 778 768 834 807 828 775 841 885 1.163

309 156 242 257 251 247 249 202 203 317 282 494 526 436 358

20.563 17.675 17.079 17.048 16.803 16.994 17.083 17.996 18.405 17.795 18.577 18.509 18.601 18.772 18.977

125 85 58 58 17 17 17 18 61 220 178 178 183 187 236

379 428 265 298 269 265 257 306 316 361 491 393 470 440 538

2.489 2.359 2.182 2.088 2.113 2.109 2.108 2.323 2.315 2.263 2.433 2.282 2.338 2.422 2.558

183 151 242 676 681 680 742 796 835 833 711 425 422 413 560

2.530 2.400 2.763 2.707 2.767 2.805 2.936 3.290 3.267 3.554 3.752 3.927 4.266 4.491 4.923

141 237 215 210 218 190 333 181 194 356 360 351 348 345 347

972 733 1.004 1.064 1.049 1.057 1.081 1.111 1.123 1.154 1.174 1.129 1.172 1.259 1.253

29.162 25.111 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.167 29.649 30.914


Des Des 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

850 460 393 604 674 760 737 874 895 905 882 844 811 767 972

414 524 433 252 255 229 233 164 411 188 274 357 351 444 688

27.572 20.954 18.309 17.617 16.711 16.958 17.140 17.511 17.560 17.720 17.707 18.676 19.221 19.270 19.846

160 187 385 363 348 353 367 390 261 266 255 241 241 238 240

95 177 237 252 204 222 235 240 382 375 521 427 440 420 341

2.478 1.913 1.467 1.445 1.328 1.418 1.467 1.491 1.639 1.544 1.540 1.604 1.509 1.464 1.554

481 360 200 1.297 1.559 1.466 1.375 1.340 1.227 1.068 1.043 573 454 339 846

5.787 3.965 6.290 6.524 6.403 6.213 6.853 7.069 7.575 8.292 10.304 8.612 8.944 8.632 9.128

431 315 250 249 266 267 255 291 276 269 297 427 316 414 418

6.409 7.485 7.597 7.835 7.954 8.085 7.966 8.482 8.570 8.520 8.724 9.561 9.858 10.205 10.159

44.677 36.341 35.560 36.438 35.702 35.971 36.628 37.851 38.795 39.146 41.547 41.322 42.145 42.194 44.193


Des Des 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 2.555 2.713 3.149 3.276 2.942 3.047 3.157 3.113 3.177 3.269 3.135 3.221 3.6558.464 9.686 9.260 9.425 9.424 8.782 8.929 9.413 13.285 13.418 14.047 12.577 13.116 12.873 12.127

171.833 194.983 221.698 214.483 215.060 218.123 223.043 230.669 241.088 237.931 247.219 253.253 257.734 259.964 273.885

181.604 206.646 233.514 226.620 227.633 230.182 234.915 243.129 257.530 254.462 264.442 269.098 273.985 276.057 289.666

2.160 1.440 1.929 3.020 3.013 3.049 3.198 3.067 3.110 3.049 3.385 2.683 2.461 2.691 3.07410.820 9.574 8.805 8.989 9.032 8.849 8.938 8.593 9.828 9.689 9.930 8.616 8.620 8.337 8.83062.862 73.410 85.041 86.095 86.406 88.525 90.730 95.865 98.040 99.429 101.088 102.016 103.220 103.677 106.819

75.842 84.424 95.775 98.104 98.451 100.423 102.866 107.525 110.979 112.168 114.403 113.316 114.301 114.705 118.723

8.745 5.741 13.072 13.059 13.104 13.186 13.340 13.537 13.730 13.983 14.185 14.340 14.583 14.758 15.0263.369 5.055 7.919 8.177 8.396 8.804 9.312 9.944 10.544 11.073 11.727 13.740 14.478 14.911 15.521

607 708 3.177 1.346 1.284 1.369 1.417 1.477 1.576 1.802 1.884 2.021 2.059 2.121 1.872 45.878 68.484 87.048 91.020 92.175 95.414 97.762 100.614 97.028 100.160 103.980 106.013 111.428 114.391 118.662

58.598 79.987 111.216 113.602 114.959 118.773 121.830 125.573 122.878 127.018 131.776 136.113 142.548 146.181 151.081

316.043 371.058 440.505 438.326 441.043 449.377 459.611 476.226 491.387 493.648 510.621 518.527 530.835 536.944 559.470


Des Des 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

510 635 768 892 996 1.151 1.089 1.107 1.226 1.177 1.146 1.436 1.403 1.452 1.8686.415 7.736 7.600 7.705 7.643 7.401 7.454 7.916 11.554 11.576 12.058 10.495 11.149 10.911 10.368

52.659 68.033 75.366 72.584 73.687 76.019 76.243 77.965 83.480 82.305 84.905 87.517 88.647 89.607 94.585

59.584 76.404 83.734 81.181 82.326 84.571 84.786 86.988 96.260 95.058 98.109 99.448 101.198 101.970 106.820

505 196 472 207 221 226 246 243 314 315 330 76 77 247 2987.477 6.842 6.155 6.214 6.173 6.090 6.080 5.823 6.993 6.865 7.023 5.758 5.727 5.646 5.789

31.385 37.738 43.021 44.021 44.394 45.394 45.880 48.559 48.989 49.733 50.499 50.916 51.214 51.512 53.227

39.367 44.776 49.648 50.442 50.788 51.709 52.206 54.625 56.296 56.913 57.851 56.750 57.018 57.405 59.314

6.465 3.111 9.879 9.771 9.742 9.733 9.740 9.817 9.863 9.995 10.055 10.077 10.202 10.283 10.415190 303 234 262 272 296 324 370 388 430 459 1.939 1.944 1.936 1.947141 109 2.159 298 198 228 221 238 308 442 508 589 578 615 288

15.749 25.930 31.482 34.205 34.493 36.201 37.602 39.291 34.111 35.452 37.158 37.106 39.699 41.065 44.071

22.545 29.453 43.755 44.536 44.705 46.458 47.887 49.716 44.670 46.318 48.181 49.712 52.424 53.898 56.721

121.496 150.633 177.137 176.159 177.819 182.738 184.879 191.329 197.225 198.289 204.141 205.910 210.640 213.273 222.855


Des Des 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 1.400 1.400 1.751 1.732 1.472 1.543 1.496 1.446 1.564 1.392 1.323 1.354 1.3971.091 840 617 603 722 479 503 543 651 684 734 763 745 788 720

53.075 69.363 87.209 81.843 82.117 82.815 85.262 89.714 93.054 90.841 93.830 97.546 99.591 101.142 107.609

54.673 71.184 89.225 83.846 84.589 85.027 87.236 91.800 95.201 92.971 96.129 99.701 101.659 103.283 109.726

1.068 685 1.090 2.481 2.490 2.519 2.655 2.517 2.542 2.503 2.802 2.356 2.128 2.161 2.4882.121 1.992 1.652 1.809 1.936 1.759 1.822 1.751 1.861 1.837 1.907 1.932 1.984 1.782 1.818

21.561 26.759 33.232 32.851 32.789 33.920 35.505 37.861 39.365 39.668 40.564 41.646 42.397 42.191 43.183

24.750 29.436 35.974 37.141 37.215 38.198 39.983 42.129 43.769 44.008 45.273 45.933 46.509 46.134 47.488

1.698 2.102 2.580 2.671 2.743 2.837 2.921 3.037 3.110 3.223 3.397 3.529 3.649 3.757 3.8922.696 4.217 7.000 7.216 7.401 7.753 8.225 8.800 9.378 9.822 10.423 10.928 11.644 12.071 12.654

308 495 902 927 951 991 1.041 1.065 1.134 1.175 1.243 1.277 1.313 1.333 1.40011.454 18.285 24.277 24.463 24.735 25.412 25.866 26.011 27.074 28.268 29.456 30.123 31.683 33.061 34.016

16.156 25.099 34.760 35.277 35.829 36.993 38.053 38.913 40.697 42.489 44.519 45.857 48.289 50.223 51.962

95.579 125.719 159.959 156.264 157.634 160.217 165.272 172.841 179.667 179.467 185.921 191.492 196.456 199.640 209.176


Des Des 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 90 133 134 127 135 124 126 130 152 141 134 119 127 118226 386 284 294 307 308 328 354 372 373 382 410 387 382 344

3.676 4.586 6.028 6.044 6.053 5.288 6.250 5.345 5.346 5.370 5.514 5.676 5.519 5.569 5.720

3.963 5.062 6.444 6.472 6.487 5.731 6.702 5.824 5.847 5.895 6.036 6.220 6.025 6.079 6.181

30 15 44 42 41 39 39 38 37 18 19 19 18 13 1393 139 187 187 186 223 232 231 230 230 230 230 230 231 252

1.235 973 1.522 1.564 1.617 1.645 1.623 1.576 1.606 1.654 1.632 1.657 1.670 1.527 1.549

1.358 1.127 1.752 1.793 1.844 1.908 1.894 1.844 1.873 1.902 1.881 1.906 1.918 1.771 1.814

245 197 233 231 232 237 233 234 233 235 235 235 238 238 232227 218 318 321 338 360 372 383 386 420 440 460 466 470 472103 28 57 60 59 59 59 59 58 53 57 56 57 59 62

3.851 4.941 5.722 5.963 6.035 6.163 6.161 6.099 6.089 6.194 6.429 6.519 6.804 6.347 6.341

4.426 5.384 6.330 6.575 6.664 6.819 6.825 6.775 6.766 6.902 7.161 7.269 7.566 7.115 7.106

9.747 11.573 14.526 14.840 14.995 14.457 15.422 14.443 14.487 14.699 15.078 15.396 15.510 14.964 15.101


Des Des 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 75 76 80 62 59 66 101 125 123 108 92 90 6872 81 121 119 120 76 108 72 69 70 80 74 73 72 67

3.392 5.640 7.293 7.744 7.919 8.363 8.529 8.933 9.247 9.321 9.644 9.901 10.153 10.211 9.922

3.492 5.797 7.488 7.940 8.120 8.501 8.697 9.070 9.418 9.516 9.847 10.083 10.318 10.374 10.057

25 30 71 72 75 77 68 70 71 73 69 68 64 63 37171 159 143 113 113 108 111 111 113 106 106 107 108 110 92

1.066 2.007 2.875 2.850 2.834 2.842 2.932 2.945 3.004 3.056 3.108 3.101 3.187 3.194 3.166

1.262 2.196 3.089 3.036 3.021 3.027 3.110 3.125 3.188 3.235 3.284 3.276 3.359 3.367 3.295

272 279 334 340 342 336 403 406 479 487 455 456 452 439 44526 46 85 94 94 102 99 98 102 104 103 103 105 105 11153 74 58 60 75 89 94 113 74 131 74 96 108 112 114

10.291 13.104 17.294 17.822 18.248 18.834 19.422 19.959 20.396 20.914 21.386 21.928 22.574 22.826 23.210

10.642 13.503 17.771 18.316 18.758 19.361 20.018 20.576 21.052 21.635 22.017 22.584 23.240 23.482 23.880

15.396 21.496 28.348 29.292 29.899 30.890 31.825 32.772 33.658 34.387 35.148 35.944 36.917 37.223 37.232


Des Des 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

84 103 119 148 134 135 137 141 140 152 141 139 140 139 144624 547 622 680 603 500 511 514 622 704 779 818 753 709 613

21.547 1.869 19.070 18.804 18.697 18.895 19.241 20.564 21.183 21.300 22.472 22.748 23.433 23.901 24.712

22.255 2.519 19.812 19.633 19.434 19.531 19.889 21.218 21.945 22.155 23.392 23.705 24.325 24.749 25.469

363 375 144 218 187 189 190 199 146 141 164 164 173 207 238544 471 598 599 557 603 632 626 579 557 568 497 482 479 788

5.612 4.343 3.418 3.820 3.768 3.726 3.793 3.836 3.761 3.653 3.486 2.969 3.015 2.955 3.165

6.519 5.189 4.159 4.637 4.512 4.518 4.615 4.661 4.485 4.351 4.219 3.630 3.670 3.642 4.191

8 14 18 18 19 18 18 20 21 21 21 21 21 21 2218 19 38 38 37 37 37 39 39 40 43 42 47 48 53

1 - - - 1 1 1 1 1 1 1 1 2 2 9345 543 949 1.008 992 1.001 1.024 1.052 1.062 1.092 1.109 1.064 1.102 1.188 1.169

372 576 1.004 1.064 1.049 1.057 1.081 1.111 1.123 1.154 1.174 1.129 1.172 1.259 1.253

29.146 8.284 24.975 25.333 24.995 25.105 25.584 26.990 27.554 27.661 28.785 28.464 29.167 29.649 30.914


Des Des 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 61 61 60 60 61 64 64 62 61 59 59 59 6036 43 17 24 29 19 25 15 16 11 14 16 16 11 15

37.368 28.612 26.733 27.463 26.588 26.743 27.519 28.148 28.778 28.794 30.854 29.865 29.865 29.532 31.337

37.520 28.745 26.810 27.548 26.676 26.822 27.604 28.228 28.859 28.868 30.929 29.940 29.940 29.602 31.412

168 139 109 - - - - - - - - - - - -413 118 70 67 67 65 61 52 53 93 96 93 93 88 91

2.003 1.368 974 989 1.004 999 996 1.089 1.315 1.665 1.799 1.727 1.727 2.298 2.530

2.584 1.625 1.153 1.056 1.071 1.064 1.057 1.141 1.368 1.759 1.894 1.820 1.820 2.387 2.621

57 37 28 27 27 25 25 24 23 22 22 21 21 20 19210 251 243 246 254 255 254 255 251 257 259 267 267 280 284

2 1 1 1 1 1 1 1 1 1 1 1 1 1 14.187 5.680 7.324 7.560 7.672 7.803 7.686 8.203 8.295 8.240 8.442 9.273 9.273 9.904 9.855

4.456 5.969 7.597 7.835 7.954 8.085 7.966 8.482 8.570 8.520 8.724 9.561 9.561 10.205 10.159

44.560 36.339 35.560 36.438 35.702 35.971 36.628 37.851 38.797 39.146 41.547 41.322 41.322 42.194 44.193


Des Des Des 2 0 0 4


89

Milyar Rp


Tabel 9.16 Kredit Berdasarkan Lokasi Penyaluran

Des Des DesLokasi

2004


Total

26.235 32.613 40.293 40.635 41.170 42.243 35.885 36.804 37.980 38.762 39.465 40.494 41.469 41.779 43.6437.014 7.205 7.203 7.484 7.919 7.964 8.225 8.413 8.571

175.354 200.113 235.397 234.033 234.012 233.531 239.827 250.029 257.305 257.738 266.468 267.621 273.155 275.534 288.8781.773 2.399 2.922 2.837 2.902 3.324 3.455 3.463 3.687 3.710 3.887 4.004 4.117 4.186 4.381

17.906 22.770 24.677 25.398 25.240 27.818 28.200 28.851 29.573 29.853 31.222 31.983 32.669 33.081 34.465 29.817 33.806 40.821 40.363 39.852 41.579 42.325 43.489 45.387 45.410 47.660 49.268 51.519 52.359 52.438

507 656 895 885 930 978 1.031 1.089 1.129 1.151 1.167 1.176 1.221 1.246 1.2921.262 1.691 2.378 2.347 2.370 2.361 2.425 2.511 2.577 2.597 2.663 2.712 2.769 2.799 2.903 1.113 1.602 1.852 2.079 2.184 2.309 2.332 2.429 2.502 2.533 2.554 2.820 3.021 3.076 3.120

12.426 17.966 19.745 18.930 19.756 20.336 20.720 21.296 22.090 22.532 23.163 23.882 24.074 24.522 25.941 3.346 4.090 5.526 5.294 5.548 5.881 6.032 6.230 6.428 6.138 6.295 6.380 6.582 6.566 6.7767.803 8.839 10.936 10.784 10.985 11.186 11.355 11.548 12.303 12.293 12.864 13.180 13.404 13.675 14.1344.544 5.887 6.918 6.886 6.829 6.875 6.422 6.594 6.492 6.658 6.837 6.973 7.149 7.237 7.399

605 597 631 660 783 826 919 804 692 2.207 2.824 3.520 3.381 3.456 3.686 3.839 3.937 4.057 4.100 4.242 4.414 4.519 4.590 4.6483.342 3.215 3.576 3.589 3.491 3.466 3.546 3.877 4.060 3.972 4.169 4.274 4.392 4.480 4.6641.649 2.293 2.688 3.065 3.274 3.310 3.435 3.546 3.672 3.627 3.673 3.766 3.865 3.944 4.1112.931 4.016 5.691 5.498 5.841 6.139 6.472 6.896 7.168 7.323 7.578 7.869 8.124 8.292 8.753

821 1.039 1.276 1.355 1.386 1.416 1.446 1.477 1.486 1.519 1.561 1.613 1.651 1.687 1.770839 1.202 1.793 1.687 1.803 1.922 1.952 1.963 2.063 2.086 2.158 2.267 2.334 2.365 2.485

4.788 6.916 8.941 8.750 9.170 9.598 9.746 10.075 10.308 10.385 10.607 10.840 11.111 11.288 11.9241.725 2.122 3.077 3.039 3.182 3.317 2.813 2.895 2.963 2.959 3.036 3.127 3.218 3.305 3.430

548 560 598 608 636 671 706 711 744 538 737 993 995 999 1.047 1.071 1.103 1.122 1.104 1.137 1.168 1.213 1.227 1.234

1.047 1.446 1.782 1.809 1.858 2.030 2.127 2.149 2.164 2.199 2.236 2.285 2.334 2.364 2.4795.008 5.864 6.625 6.673 6.556 6.591 6.554 6.708 6.854 6.938 7.088 7.191 7.317 7.441 7.797

982 1.202 1.634 1.607 1.665 1.736 1.798 1.892 1.740 1.804 1.880 1.958 2.029 2.069 2.113225 363 414 410 418 442 448 447 458 508 530 551 573 586 603782 1.075 1.564 1.559 1.567 1.644 1.724 1.772 1.826 1.880 1.940 2.005 2.038 2.044 2.071

131 145 246 239 245 254 264 271 282 285 288 300 310 318 3306.827 4.165 4.324 4.118 4.353 4.303 4.130 4.456 4.773 4.834 4.914 4.849 4.805 4.958 5.683

315.928 371.058 440.505 438.245 441.043 449.321 459.541 476.157 490.880 493.648 510.621 518.432 530.835 536.944 559.470

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 2003 Jan Feb Mar Apr Mei Jun Jul Ags Sep Okt Nov Des

Des Des 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 7.843 8.168 8.173 8.180 8.226 8.264 8.249 8.285 8.248 8.249 8.297 8.244 8.339

1.280 1.153 1.055 1.059 1.067 1.079 1.094 1.161 1.178 1.121 1.158 1.132 1.124 1.119 1.149

2.714 2.831 2.071 2.069 2.030 2.056 2.061 2.151 2.170 2.128 2.152 2.127 2.123 2.122 2.171

15.791 13.513 11.512 11.490 11.198 11.192 11.180 11.131 10.423 10.256 10.280 10.182 10.143 10.045 10.145

495 419 2.351 2.319 2.315 2.331 2.391 2.475 3.102 3.129 2.442 2.401 2.330 2.380 1.982

297 362 339 317 283 292 287 289 309 298 306 318 310 324 404

8.014 7.672 5.204 5.145 5.111 5.254 5.147 5.334 5.359 5.167 5.258 5.172 5.154 5.146 4.537

188 316 591 605 603 602 614 611 734 597 585 582 588 589 591

131 133 155 166 166 161 169 171 174 173 178 179 182 182 185

6.140 4.345 5.480 5.379 5.323 5.381 5.290 5.607 5.594 5.379 6.304 5.704 6.177 6.270 6.088

42.603 39.230 36.601 36.717 36.270 36.530 36.460 37.194 37.291 36.532 36.911 36.048 36.428 36.421 35.591


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 2.926 2.917 2.926 2.909 2.891 2.871 2.885 2.847 2.849 2.933 2.934 2.933 2.9332.470 3.834 4.331 2.424 2.204 2.138 2.143 2.166 2.137 2.141 2.138 8.325 2.203 5.122 5.191

31.189 26.373 24.750 26.998 27.113 27.312 27.280 27.870 27.976 27.304 27.659 21.062 27.038 24.125 23.415469 1.074 728 541 537 592 601 602 604 602 602 601 600 601 605

3.140 3.064 3.050 3.019 2.945 2.954 2.947 3.085 3.089 3.088 3.058 2.523 3.005 2.985 2.762619 638 766 769 498 524 499 499 498 498 499 497 494 503 493

- 18 50 50 48 101 99 100 102 52 106 106 152 152 192

7.088 4.286 3.702 4.377 4.356 4.445 4.457 4.444 4.408 4.398 4.389 5.393 4.420 4.419 4.426656 705 1.574 2.108 2.171 2.211 2.280 2.362 2.374 2.347 2.373 644 2.318 1.750 1.770

34.859 34.238 31.326 30.232 29.743 29.873 29.724 30.388 30.509 29.786 30.149 30.010 29.690 30.252 29.394

42.603 39.229 37.417 36.601 36.717 36.270 36.460 37.194 37.291 36.532 36.911 36.048 36.428 36.421 35.591


Des Des Des 2 0 0 4


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 2072 2078 2076 2079 2078 2099 2102 2109 2115 2133 2149 2112 2112

38 36 36 36 36 36 35 35 35 35 35 35 35 35 343432 3565 3829 3842 3837 3854 3842 3872 3873 3891 3936 3998 4016 3932 3947

42 40 40 40 40 40 39 39 39 39 39 39 39 39 38556 528 700 703 704 709 703 698 699 698 698 698 720 698 688

26 26 26 26 26 26 26 26 26 26 26 26 26 26 26857 909 1003 1009 1027 1036 1042 1049 1049 1051 1051 1061 1073 1061 1064

24 24 20 20 20 20 20 20 20 20 20 20 20 19 1953 53 57 57 56 56 57 57 57 57 59 61 61 59 59

10 10 11 11 11 11 11 11 11 11 11 11 11 11 1160 61 69 70 71 69 69 68 68 67 68 69 69 69 69

145 141 138 138 138 138 136 136 136 136 136 136 136 135 1336765 7001 7730 7759 7771 7803 7791 7843 7848 7873 7927 8020 8088 7931 7939

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


Des Des Des 2 0 0 4


93

Tabel 10.2 Perkembangan Jumlah Bank dan Kantor Bank Berdasarkan Wilayah ( Posisi Desember 2004)

Bali

Bengkulu

DI Aceh

DI Yogyakarta

DKI Jakarta

Irian Jaya

Jambi

Jawa Barat

Jawa Tengah

Jawa Timur

Kalimantan Barat

Kalimantan Selatan

Kalimantan Tengah

Kalimantan Timur

Lampung

Maluku

NTB

NTT

Riau

Sulawesi Selatan

Sulawesi Tengah

Sulawesi Tenggara

Sulawesi Utara

Sumatera Barat

Sumatera Selatan

Sumatera Utara

Jumlah

LokasiBank Persero

KP KC KCP KK KPW Total

BUSN Devisa


BUSN Non Devisa


B P D


Bank Campuran


Bank Asing


Bank Umum


0 35 65 7 0 107

0 5 5 0 0 10

0 15 5 5 0 25

0 20 29 24 0 73

26 258 842 243 5 1374

0 10 3 1 0 14

0 11 3 0 0 14

3 159 438 126 0 726

0 110 172 73 0 355

4 144 345 68 0 561

0 17 13 3 0 33

0 15 8 1 0 24

0 4 1 0 0 5

0 31 22 11 0 64

0 23 20 6 0 49

0 8 3 2 0 13

0 9 10 1 0 20

0 7 0 1 0 8

0 38 37 17 0 92

0 33 29 7 0 69

0 8 1 0 0 9

0 8 2 0 0 10

0 19 8 1 0 28

0 18 7 4 0 29

0 18 38 18 0 74

1 47 83 30 0 161

34 1070 2189 649 5 3947

2 6 26 32 0 66

0 0 0 0 0 0

0 1 0 1 0 2

0 1 0 5 0 6

25 25 104 50 0 204

0 0 0 0 0 0

0 0 0 0 0 0

6 26 43 86 0 161

1 12 9 34 0 56

4 32 29 41 0 106

0 1 0 0 0 1

0 1 1 6 0 8

0 0 0 0 0 0

0 1 1 0 0 2

0 1 0 6 0 7

0 0 0 0 0 0

0 1 1 0 0 2

0 1 0 0 0 1

0 2 0 0 0 2

0 2 4 11 0 17

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 2 0 3

0 1 2 6 0 9

0 1 1 5 0 7

0 4 4 20 0 28

38 120 225 305 0 688

1 11 3 21 0 36

1 3 13 2 0 19

1 10 3 11 0 25

1 5 11 16 0 33

1 17 29 59 0 106

1 10 8 31 0 50

1 8 0 7 0 16

1 37 35 26 0 99

1 32 87 64 0 184

1 35 6 46 0 88

1 13 18 5 0 37

1 10 1 8 0 20

1 5 10 3 0 19

1 12 10 6 0 29

1 5 5 5 0 16

1 12 7 1 0 21

1 6 12 2 0 21

1 13 1 0 0 15

1 19 11 3 0 34

1 26 5 6 0 38

1 3 5 0 0 9

1 4 7 1 0 13

1 9 7 7 0 24

1 23 3 21 0 48

1 12 16 7 0 36

1 18 0 9 0 28

26 358 313 367 0 1064

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

19 0 7 7 0 33

0 0 0 0 0 0

0 0 0 0 0 0

0 5 8 0 0 13

0 0 0 0 0 0

0 7 0 0 0 7

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 1 0 0 2

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 2 0 0 0 2

19 17 16 7 0 59

0 2 0 0 0 2

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

11 3 4 23 0 41

0 0 0 0 0 0

0 0 0 0 0 0

0 5 0 0 0 5

0 5 0 0 0 5

0 5 2 0 0 7

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 1 0 0 0 1

0 0 0 0 0 0

0 0 0 0 0 0

0 4 1 0 0 5

11 28 7 23 0 69

3 70 127 76 0 276

1 14 22 3 0 40

1 46 14 23 0 84

1 39 62 63 0 165

87 374 1298 476 6 2241

1 45 17 38 0 101

1 33 11 10 0 55

10 321 707 307 0 1345

2 241 325 207 0 775

9 311 475 191 0 986

1 46 39 11 0 97

1 47 22 20 0 90

1 23 15 4 0 43

1 67 49 26 0 143

1 43 36 23 0 103

1 34 13 5 0 53

1 28 32 5 0 66

1 37 15 1 0 54

1 88 83 32 0 204

1 102 68 39 0 210

1 22 18 0 0 41

1 20 15 4 0 40

1 50 28 13 0 92

1 64 26 37 0 128

1 61 78 47 0 187

2 116 118 84 0 320

133 2342 3713 1745 6 7939

0 15 33 16 0 64

0 6 4 1 0 11

0 20 6 6 0 32

0 13 22 18 0 53

5 71 312 94 1 483

0 25 6 6 0 37

0 14 8 3 0 25

0 89 183 69 0 341

0 82 57 36 0 175

0 88 93 36 0 217

0 15 8 3 0 26

0 21 12 5 0 38

0 14 4 1 0 19

0 22 16 9 0 47

0 14 11 6 0 31

0 14 3 2 0 19

0 12 9 2 0 23

0 16 14 0 0 30

0 27 34 12 0 73

0 39 30 15 0 84

0 11 12 0 0 23

0 8 6 3 0 17

0 20 13 3 0 36

0 22 14 6 0 42

0 30 23 17 0 70

0 41 30 25 0 96

5 749 963 394 1 2112

Documents

bab 2 = 5-10 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