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Bank IndonesiaDepartment of Banking Research and Regulation (DPNP)Jl. MH. Thamrin No. 2, Jakarta, Indonesia - 10350Telephon: (+62-21) 2310108, ext.4798, 4794, 8623 and 7725Fax : (+62-21) 3518946 dan 3518629Email: [email protected]
Banking Supervision Report2012
BSR
Banking Supervision Report 2012iv
Foreword
BI MissionTo achieve and maintain rupiah stability by maintaining monetary stability and by
BI VisionTo be recognized, domestically and internationally, as a credible central bank
Strategic Values of Bank Indonesia
Visi:“Menjadi lembaga bank sentral yang dapat dipercaya secara nasional
maupun internasional melalui penguatan nilai-nilai strategis yang dimiliki serta
pencapaian inflasi yang rendah dan stabil”
Misi:“Mencapai dan memelihara kestabilan nilai rupiah melalui pemeliharaan
kestabilan moneter dan pengembangan stabilitas sistem keuangan untuk
pembangunan jangka panjang yang berkesinambungan”
Nilai-nilai Strategis Organisasi Bank Indonesia:“Nilai-nilai yang menjadi dasar Bank Indonesia, manajemen dan pegawai untuk
bertindak dan atau berperilaku, yang terdiri atas Kompetensi, Integritas, Transparansi,
Akuntabilitas dan Kebersamaan”
v
Foreword
Foreword
Banking Supervision Report 2012vi
Foreword
Halim Alamsyah
Banking Supervision Report 20122
Executive Summary
Foreword
3
Executive Summary
Foreword
Banking Supervision Report 20124
Executive Summary
Foreword
Banking Policy Framework
Dynamics
RegulatoryApproach Approach
Management
5
Executive Summary
Foreword
vii
Table of Contents
Foreword Executive Summary Prospects and BankingPolicy Direction
Bank Structure and Performance in 2011
Banking Policy and Regulationin 2011
Bank Supervision Implementation
Foreword ............................................................................................................ v
Table of Contents ................................................................................................ viiList of Tables .......................................................................................................................................... ixList of Graphs ........................................................................................................................................ xList of Figures ........................................................................................................................................ xi
............................................................................................ 1
....................................... 71.1 Banking Structure ......................................................................................................................... 9
1.1.1 Commercial Banks ............................................................................................................... 9
1.1.2 Islamic Banks ....................................................................................................................... 11
1.1.3 Rural Banks (BPR) ................................................................................................................ 12
1.2 Banking Performance ................................................................................................................... 14
......................................................................................... 15
1.2.2 Islamic Banking..................................................................................................................... 19
........................................ 24
1.2.4 Rural Banks .......................................................................................................................... 25
........................... 29
................................................. 33........................................................................................................... 35
.......................................................................................... 35
2.1.2 Islamic Banking..................................................................................................................... 35
2.1.3 Rural Banks (BPR) ................................................................................................................ 37
..................................................................................................................... 38
.......................................................................................... 38
2.2.2 Islamic Banks ....................................................................................................................... 45
2.2.3 Rural Banks (BPR) ................................................................................................................ 46
.......................................... 46
........................................................................................................................ 46
................................................................................................................. 47
.................................. 47
...................................................................................... 47
...................................... 50
............................................... 51
.................................... 52
................................................... 53
Table of Contents
Banking Supervision Report 2012viii
Table of Contents
Foreword Executive Summary Prospects and BankingPolicy Direction
Bank Structure and Performance in 2011
Banking Policy and Regulationin 2011
Bank Supervision Implementation
............................................................................................................ 55
................................................................................................................ 56
................................................................................................................................ 60
.................. 61
.............................................................................................. 63
.......................................................................................................... 67
.............................................................. 69
.................................................................................................. 71
........... 733.1 Banking Supervision ..................................................................................................................... 75
.......................................................................................... 823.1.2 Islamic Banking .................................................................................................................... 883.1.3 Rural Banks (BPR) ................................................................................................................ 91
3.2 Fit and Proper Tests ...................................................................................................................... 94.......................................................................................... 95
3.2.2 Islamic Banks ....................................................................................................................... 953.2.3 Rural Banks (BPR) ................................................................................................................ 95
................................................................................................ 96................................................................................................................... 97
....................................................................................................................... 99
................................................. 101
..................................4.1 Challenges and Prospects ............................................................................................................. 107
.......................................................................................................... 108......................................................................................... 108
4.2.2 Islamic Banking .................................................................................................................... 108 4.2.3 Rural Banks (BPR) ................................................................................................................ 110
........................................................... 111.......................................... 119
ix
Table of Contents
Foreword Executive Summary Prospects and BankingPolicy Direction
Bank Structure and Performance in 2011
Banking Policy and Regulationin 2011
Bank Supervision Implementation
Table 1.1 Total Number of Banks and Bank Branches .............................................................................. 9Table 1.2 Number of Banks based on Core Capital ................................................................................... 10
........................................................................... 11................................................................................. 12
.................................................. 12................................................................................................... 13
Table 1.7 Licensing Data for 2012 ............................................................................................................. 13...................................................... 14
.............................................................. 14Table 1.10 Total Assets of Rural Banks ........................................................................................................ 14
.................................................................................................. 14......................................................................................... 15
..................................................... 20........................................................................................ 24
............................................................... 26.......................................................................... 28
................................................................................................... 29
................................................................................................... 31
.......................................... 61...................................................................... 65
......................................................... 94................................... 97
.......................................................... 99
.......................................................... 99
List of Tables
Banking Supervision Report 2012x
Table of Contents
Foreword Executive Summary Prospects and BankingPolicy Direction
Bank Structure and Performance in 2011
Banking Policy and Regulationin 2011
Bank Supervision Implementation
................................................................................. 10........................................................................ 11
..................................................................................................... 11.................................................................................. 16
............................................................................................................. 16.......................................................................................... 16
Graph 1.7 Non-Performing Loans (NPL) ................................................................................................... 17Graph 1.8 Share of Deposit Components in 2012 .................................................................................... 18Graph 1.9 Average Rupiah Lending and Deposit Rates at Commercial Banks .......................................... 18
........................................................ 20.................................................................................. 21
.............................................................. 21................................................................ 21
......................................................................................................... 22............................................................................................. 22
.................................................................................................... 22.......................................................................... 24
............................................................. 24.................................................................................... 24
........................................................................... 26........................................................................................... 26
.................................................................................... 26Graph 1.23 Performance of NPL and Loan Loss Provisions ........................................................................ 27Graph 1.24 Interest Rates at Rural Banks ................................................................................................... 28
....................................................................................................... 30............................................................................................................ 31
................................................................................. 31......................................................................................... 31
.................................................................... 92..................................................................................... 93
........................................................................................... 97Graph 3.4 Handling of Tipibank Cases (1999-2012) ................................................................................. 98
List of Graphs
xi
Table of Contents
Foreword Executive Summary Prospects and BankingPolicy Direction
Bank Structure and Performance in 2011
Banking Policy and Regulationin 2011
Bank Supervision Implementation
..................................................................................... 76............................................................................................ 77
....................................................................... 80
List of Figures
This page intentionally blank
Chapter 1Banking Structure and Performance in 2012
Banking Supervision Report 20128
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
9
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
1.1 Banking Structure
74% concentrated on the islands of Java and Sumatera. In the past year, state-owned banks have implemented
an aggressive expansion strategy.
1.1.1. Commercial Banks1
Table 1.1 Total Number of Banks and Bank Branches
State-Owned BanksNumber of Banks 4 4 4
Foreign Exchange Banks
Non-Foreign Exchange BanksNumber of Banks 31 30 30Number of Branches 1131 1288 1447
Regional Banks
Number of Branches 1413 1472 1712
Joint Venture Banks
Foreign Banks Number of Banks 10 10 10
TotalNumber of Banks 122 120 120
Number of Islamic Banks 11 11 11
Bank Group 2010 2011 2012
Banking Supervision Report 201210
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
1. A change in the business licence of a local enterprise (PD). South Kalimantan Regional Bank was licensed under the name PT Bank Pembangunan Daerah Kalimantan Selatan (South Kalimantan Regional Bank)
2. A change in the business license of PT Bank Dipo Internasional to PT Bank Sahabat Sampoerna through Bank Indonesia Gubernatorial Decree no. 14/7/KEP.GBI/2012, dated 22nd February 2012.
3. A change in the business license of PT Bank Agroniaga to PT Bank Rakyat Indonesia Agroniaga Ltd through Bank Indonesia Gubernatorial Decree no. 14/72/KEP.GBI/2012.
4. A change in the business license of PT Bank Liman Internasional to PT Bank Dinar Indonesia through Bank
to Rp10 trillion compared to the previous period and one more bank in the next category with a core capital of
State-owned Banks
Foreign Exchange Banks
Non-foreign Exchange Banks
Regional Banks
Joint Venture Banks
Foreign Banks
Table 1.2 Number of Banks based on Core Capital
8 9 10 8.34
Rp 1 T s.d Rp 10 T 40 32,79 44 49 40.83
Rp100 M s.d < Rp 1 T 74
< Rp100 M 0 0,00 0 0,00 0 0,00
Total 122 100,00 120 100,00 120 100,00
Core Capital Number of Banks
Number of Banks
Number of Banks%
% %
2010 2011 2012
11
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
BOOK 1 BOOK 2 BOOK 3 BOOK 4
Core Capital
< Rp1 T
Core Capital Core Capital Core Capital
Number of Banks 40 14
assets in the banking industry (Graph 1.2). In general, all bank groups experienced an increase in their total
state-owned banks and foreign exchange banks, while non-foreign exchange banks enjoyed the most growth as
a percentage (yoy) (Graph 1.3).
State-owned Banks
Foreign Exchange Banks
Non-foreign Exchange Banks
Regional Banks
Joint Venture Banks
Foreign Banks
5,36%
8,37%
37,50%
2,15%
8,17%
38,44%-
200,000
400,000
600,000
800,000
1,000,000
1,200,000
1,400,000
1,600,000
(Million Rp)
2010 2011 2012
State-owned Banks Foreign Exchange Banks Non-foreign Exchange BanksRegional Banks Joint Venture Banks Foreign Banks
in 2012Graph 1.3 Total Assets by Bank Group
1.1.2. Islamic Banks
Berkesan, Ternate; BPRS Magetan, Kediri; and BPRS Saka Dana Mulia, Semarang), one license conversion from
(BPRS Kafalatul Ummah, Medan).
Banking Supervision Report 201212
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
costs while enhancing the service provided to the customer.
1.1.3. Rural Banks (BPR)2
Group of Bank 2010 2011 2012
Islamic Bank (BUS)
- Number of Banks 11 11 11- Number of branches 1401Unit Usaha Syariah (UUS) 23 24 24
23 24 24- Number of branches
Islamic Rural Banks
- Number of Banks
- Number of branches 401
2010 2011 2012
1.088 1.223 1329
1.280 1443Total 3.910 4.172
expanding rural banking services evenly into all areas of the archipelago, namely by applying less stringent
13
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
Java and Bali and one from outside Java and Bali.
Based on ownership, of the 13 rural banks engaged in mergers, four were owned by local government with
2010 2011 2012
Jumlah % Jumlah % Jumlah %
Java-Bali 74,1 1.208 72,4 1.184
442 28,4Total 100 100 100
From To
Jabodetabek*
West Java
Central Java and Yogyakarta
East Java
Bali and Nusa Tenggara
Sumatera
Kalimantan
Sulampua**
1
1
1
1
- 4 2
- - 15 1
- 1 4 1
- - 7 2
- -
- -
- -
- 1 - -Total 4 12 30 6
*) Jakarta, Bogor, Depok, Tangerang/Banten, Bekasi dan Karawang
**) Sulawesi, Maluku dan Papua
In-Principle Approval
Business License
License
Area
5
4
Table 1.7 Licensing Data for 2012
2010 2011 2012
From To From To From To
Limited Company 4 21 3 11 4
Local Enterprise 1 34 4 19 2
- - - - - -
Total 31 7 30 6
Banking Supervision Report 201214
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
In line with Bank Indonesia policy to encourage the establishment of rural banks in the form of limited
rural bank. Local government owns rural banks with status as a local enterprise, whereas rural banks in the form
of limited companies are examples of rural banks where a private party holds at least a part or all of the shares.
2010 2011 2012
Total Percentage Total Percentage Total Percentage
Limited Company 1.384 81,1 1.388 83,2 1.391 84,2
Local Enterprise 288 247 14,8 229 13,9
34 2,0 34 2,0 33 2,0
Total 1.706 100 100 100
Jml % Jml % Jml %
S.d. Rp1 M 1,5 16 1,0 12 0,7
Rp1 M s.d. Rp5M 20,0 264 15,8 229 13,9
Rp5 M s.d. Rp10M 25,4 387 23,2 333 20,1
Rp 10 M 53,2 1.002 60,0 1.079 65,3Total 100 1.669 100 1.653 100
Total aset2010 2011 2012
25341433907
1.706
Table 1.10 Total Assets of Rural Banks
Jml % Jml % Jml %
S.d. Rp500jt 0,5 6 0,4 4 0,2
Rp500jt s.d.Rp1M 16
774
521
3261.706
9
0,9 95 5,7 77 4,7
Rp1M s.d. Rp10M 45,4 767 46,0 678 41,0
Rp10M s.d. Rp25M 30,5 560 33,6 617 37,3
Rp25M 22,6 241 14,4 277 16,8Total 100 1.669 100 1.653 100
Paid up capital2010 2011 2012
Table 1.11 Paid Up Capital of Rural Banks
In terms of total assets, rural banks can be grouped into four categories. However, based on paid up capital
1.2. Banking PerformanceAgainst the backdrop of a languid global economic recovery, the banking industry in Indonesia performed
15
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
In terms of capital, the banking industry maintained a level of capital well in excess of the minimum threshold
supported by enhanced credit risk management amid a business environment and macroeconomy marred by
the global economic crisis.
Dec-10 Dec-11 Dec-12
Total Assets (T Rp)
Deposits (T Rp) 2,338.82 2,784.91 Credit (T Rp)** 2,200.09 CAR (%) 17.17 17.32 NPL Gross (T Rp)** 2.17 1.87 NPL Net (T Rp)** 0.39 0.73
3.03 3.08
LDR (%) 79.00
Table 1.12 Key Indicators of Commercial Banks
** Excluding credit channelling
in the future. When compared to other countries in the region, like Malaysia, Singapore, Thailand, Korea and
tended to slow. Working capital credit grew by 23.21% (yoy) compared to 21.41% in the year previous. In
19.87% compared to 24.21% in the previous year.
Banking Supervision Report 201216
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
90
72
54
36
18
02009 2010 2011 2012 2012
%45
36
27
18
9
0
%
Graph 1.4 Credit in Growth, Deposits and LDR (%)
economic sectors, however, that experienced a slowdown like mining, social services, others and corporate
35,00%
30,00
25,00
15,00
5,00
0,00Working Capital
Credit
Dec - 10
25,21
22,4123,21
Consumer Loans
TotalInvestmentCredit
20,00
10,00
Dec - 11 Dec - 12
16,98
33,21
27,39
22,91
24,21
19,87
22,80
24,5923,08
2010
2011
2012
-20 0 20 40 60 80 100 120 140 160 180
Trade
Others
Manufacturing
Agriculture
CorporateServices
Social Services
Mining
Electricity
Total
%
Although credit growth for the year of 2012 reached 23.08% (yoy), exposure to credit risk tended to ease overall,
a decline in gross non-performing bank loans to just 1.87% (December 2012), which is the lowest level in the
deemed safe, however, threats of rising NPL require vigilance as the nominal NPL level of several sectors, including
the low levels.
17
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
0
1
2
3
4
5
6
7
8
9
0
10
20
30
40
50
60
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 122010 2011 2012
%Rp T
Net NPL (right-hand scale)Gross NPL (right-hand scale)
Graph 1.7 Non-Performing Loans (NPL)
Indonesia) in order to expand credit.
of deposits as the primary source of bank funds was 91.04%. Meanwhile, interbank-sourced funds and other
of 71.84%.
2012.
A capital structure with a stronger component of core capital is a good indicator of greater bank resilience
Banking Supervision Report 201218
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
Working Capital Credit Investment CreditConsumer Loans 1-month Term Deposits
-
2
4
6
8
10
12
14
16
18
20
2012201120102009200820072006
(%)
Graph 1.9 Average Rupiah Lending and Deposit Rates at Commercial Banks
Checking Account
Savings Account
Term Deposit
42,83%23,78%
33,39%
Graph 1.8 Share of Deposit Components in 2012
environment. The high level of capital at banks is inextricably linked to Bank Indonesia policy to strengthen
lending rates, the rapid surge in credit volume allocated led to an increase in average Net Interest Income (NII)
19
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
appeals from Bank Indonesia to lower bank rates. In 2012, the average 1-month rupiah deposit rate declined by
1.2.2. Islamic Banking
Rp7.11 trillion to Rp14.02 trillion.
Table 1.13 Key Indicators for Islamic Banks and Islamic Business Units
2010 2011 2012
Total Assets (Rp T)
Deposits (T Rp)
iB Financing (T Rp)
CAR (%)* 14,14NPF Gross (%) 3,02 2,22NPF Net (%) 1,34 1,34
1,79 2,14
FDR (%) 88,94 99,99
Islamic Banks (BUS) and Islamic Business Units (UUS)
Banking Supervision Report 201220
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
0,75
0,8
0,85
0,9
0,95
1
1,05
0
0,1
0,2
0,3
0,4
0,5
0,6
2009 2010 2011 2012
Graph 1.10 Growth in Financing, Deposits and FDR at BUS and UUS
placements at Bank Indonesia decreased.
21
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
39,27% 34,77%
62,97%
39 ,44 %
30 ,52 %33,45%
87 ,93 %
50,38%
34,93%
48,49% 50,56%43 ,86 %
0,00%
10,00%
20,00%
30,00%
40,00%
50,00%
60,00%
70,00%
80,00%
90,00%
100,00%
WorkingCapital Financing
Investment Financing
Consumer Financing
Total Financing
2010 2011 2012
2010
2011
2012
27,64%
20,86%
22,85%
32,69%
21 ,92 %
29,10%
28 ,26 %
44 ,95 %
76,46%
51,33%
43,69%
-20,00% 0,00% 20,00% 40,00% 60,00% 80,00% 100,00%
Agriculture
Mining
Manufacturing
Electricity
Trade
Corporate Services
Others
Social Services
Total
Graph 1.11 BUS and UUS Financing Growth by TypeGraph 1.12 BUS and UUS Financing Growth by
Economic Sector
decreased in 2012 to 14.17% from 14.84% in 2011.
0
0,01
0,02
0,03
0,04
0,05
0,06
0
500000
1000000
1500000
2000000
2500000
3000000
3500
Million Rp %
000
2009 2010 2011 2012
Graph 1.13 Growth in BUS and UUS Non-Performing Financing
Banking Supervision Report 201222
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
trillion (12.01%). Nevertheless, growth in term deposits was considerably lower than that in the previous year,
dependence on expensive funds.
0,00%
5,00%
10,00%
15,00%
20,00%
25,00%
30,00%
35,00%
-
500.000
1.000.000
1.500.000
2.000.000
2.500.000
3.000.000
3.500.000
4.000Million Rp %
.000
2009 2010 2011 2012
ROA (right -hand scale) ROE (right-hand scale)
derived from fee-based income.
46,02%
39 ,05 %
48,92%45,46%
32,59 %
42,32%
60,66%
51 ,79 %47,49%
38 ,25 %
19,67%
27,81%
0,00%
10,00%
20,00%
30,00%
40,00%
50,00%
60,00%
70,00%
Checking Savings Term Deposits Total
2010 2011 2012
Checking
Savings
Term Deposits
12,00%
30,55%57,44%
23
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
Islamic Rural Banks
Indikator Utama 2010 2011 2012
Total Assets (Rp T) 2,73 4,70Deposits (T Rp) 2,09 2,93iB Financing (T Rp)
CAR (%)
NPFs Gross (%)
NPFs Net (%)
2,70
78,10FDR (%) 128,47 127,71
Table 1.14 Key Indicators of Islamic Rural Banks
contributed by the mining sector with 217.7% and social services with 147.19%.
Banking Supervision Report 201224
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
Financing by Type
2,80%
9,04%
80,33%
0,01%
0,58%0,38%
2,30%4,57% Mudharabah Contracts
Musyarakah Contracts
Murabahah Contracts
Salam Contracts
Ijarah Contracts
Qardh Contracts
Others
Working Capital FinancingInvestment FinancingConsumer Financing
on the core capital of the bank3
BUKU (Bank Umum Kelompok Usaha or Commercial Bank Business Groups). BUKU 1 is for banks with the lowest
2012
2011
2010
56,79%217,19 %
-7,30%
45,01%
35,13 %
21,45%84,69%
3 ,63 %
147,14%34,66 %
21,45%
-100,00% -50,00% 0,00% 50,00% 100,00% 150,00% 200,00% 250,00% 300,00%
Agriculture
Mining
Manufacturing
Electricity
Trade
Corporate Services
Others
Social Services
Total
Graph 1.19 Financing Growth by Economic Sector
25
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
of capital at around 17%, which is close to the CAR level for the banking industry (17.32%).
Indikator Utama BUKU 1 BUKU 2 BUKU 3 BUKU 4
Total Assets (T Rp) 221.84 844.89 1,270.81DPK (T Rp)
Credit (T Rp)
CAR (%) 17.71 17.02NPL Gross (%) 2.11 1.99
2.23 2.34 3.80
81.94 80.24LDR (%) 89.39
1.2.4. Rural Banks
increasing by 21.21% from Rp41.10 trillion to Rp49.82 trillion and deposits increasing by 17.43% from Rp38.21
Banking Supervision Report 201226
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
an 18.10% increase in core capital from Rp8.87 trillion to Rp10.43 trillion in 2012. The growth in capital at rural
small sector.
Graph 1.22 Growth in Credit and Deposits in 2012
- 5.00 10.00 15.00 20.00 25.00
2010
2011
2012
Deposits Credit
%
Graph 1.20 Performance of Assets, Credit and Deposits
Billion Rp
0
10000
20000
30000
40000
50000
60000
70000
80000
Janu
ary
Mar
ch
May
July
Sept
embe
r
Nove
mbe
r
Janu
ary
Mar
ch
May
July
Sept
embe
r
Nove
mbe
r
Janu
ary
Mar
ch
May
July
Sept
embe
r
Nove
mbe
r
210211020102CreditTotal Assets Deposits
Billion Rp
0100020003000400050006000700080009000
10000
Janu
ary
Mar
ch
May July
Sept
embe
r
Nove
mbe
r
Janu
ary
Mar
ch
May July
Sept
embe
r
Nove
mbe
r
Janu
ary
Mar
ch
May July
Sept
embe
r
Nove
mbe
r
210211020102Paid Up CapitalCore Capital P/l In Current Year
credit at Rp49.82 trillion.
27
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
the lowest for the past decade. Low NPL eases the burden of reserves that must be maintained by rural banks,
thereby allowing rural banks to concentrate on credit expansion.
In general, the performance of rural banks tended to improve as evidenced by a number of key indicators.
declining gradually.
2.421 3.408
2010 2011 2012 2011 2012 2010 2011 2012 2010 2011 2012By business type* 33.844 41.100 49.819 21,44 21,22 100 100 100 6,10 5,22 4,75
a. Micro 12.668 14.292 15.551 12,82 8,81 37,43 34,77 31,21 8,61 8,03 7,61b. Small 3.795 4.838 3,45 27,48 10,84 9,23 9,71 6,08 5,86 5,70
c. Medium 1.313
3.669
84,45 40,74 3,88 5,89 6,84 7,20 3,86 4,03d. Non-MSM 16.195 20.591 26.022 27,14 26,38 47,85 50,10 52,23 4,09 3,32 2,96
By credit type 33.844 41.100 49.818 21,44 21,21 100 100 100 6,10 6,10 4,75a. Working capital 16.790b. Investment 1.929c. Consumption 15.126
19.557 23.030 16,48 17,76 49,61 47,59 46,23 8,40 7,54 6,69
2.364 2.964 22,56 25,40 5,70 5,75 5,95 5,06 4,17 4,65
19.178 23.824 26,79 24,22 44,69 46,66 47,82 3,71 2,99 2,63
*) For 2010 and 2011 data, the criteria for credit based on business type is in accordance with the MSME criteria stipulated in Act no. 20, 2008, concerning MSMEs.
Credit Type)%(LPN)%()%()pRrailim(Position Growth Share
Graph 1.23 Performance of NPL and Loan Loss Provisions
2010 2011 2012
Janu
ary
Febr
uary
Mar
chAp
rilM
ayJu
ne July
Augu
stSe
ptem
ber
Octo
ber
Nove
mbe
rDe
sem
ber
Janu
ary
Febr
uary
Mar
chAp
rilM
ay Juni Juli
Agus
tus
Sept
embe
rOc
tobe
rNo
vem
ber
Dece
mbe
r
May
June July
Augu
stSe
ptem
ber
Octo
ber
Nove
mbe
rDe
cem
ber
Janu
ary
Febr
uary
Mar
chAp
ril
Gross NPL Net NPL Loan Loss Provisions (right-hand scale)
0
1
2
3
4
5
6
7
8% Billion Rp
0
200
400
600
800
1000
1200
1400
Banking Supervision Report 201228
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
high lending rates at rural banks include a high cost of funds and large overheads.
Graph 1.24 Interest Rates at Rural Banks
Dec 09 Dec 10 Dec 11 Dec12
Savings Term Deposits Credit Allocated
35,00
30,00
25,00
15,00
5,00
10,00
20,00
Indikator Utama Des-10 Des-11 Des-12
Total Assets (T Rp)
DPK (T Rp) 31,31 38,21 44,87Credit (T Rp) 28,00 33,84 41,10 49,82CAR (%) 24,17 30,01NPLs Gross (%)
NPLs Net (%) 3,97
3,09 3,32LDR (%) 72,90 79,00
81,82 80,97 79,47 77,77
Table 1.17 Key Indicators of Rural Banks
29
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
collateral when the loan is disbursed, which is set at 70%. The scope of mortgage loans includes consumer
through a government housing scheme.
two-wheeled vehicles; (ii) a minimum downpayment of 30% for four-wheeled vehicles; and (iii) a minimum
business.
70m2 decelerated from 49% (June 2012 yoy) to 39% (November 2012 yoy). Notwithstanding, mortgage
growth quickly rebounded at the end of 2012 to 47.2% (yoy) compared to just 27% at yearend 2011. This
trend in mortgage growth is in line with the annual cycle of such loans, which tend to spike at the end of
Box 1.1 Loan-to-Value (LTV) Policy for Mortgages and Automotive Loans
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
Banking Supervision Report 201230
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
January
Febru
ary
March April M
ayJu
ne
Aygust
September
October
November
December
July
Houses <21m2
Flat/apartment <21m2Houses of 22m2 to 70m2
Flat/apartment of 22m2 to 70m2Houses >70m2
Flat/apartment >70m2
400%
300%
200%
100%
-100%
0%
vehicles slowed from 10% (June 2012, yoy) to -28% (December 2012, yoy).
Table 1.18 Growth in Mortgages by Type
41% 23% 23% 25% 20% 19%
38% 27% 38% 49% 42% 47%
9% 57% 58% 86% -23% -32%
8% 83% 60% 52% 38% 31%
2% 60% 49% 25% 89% 80%
2% 35% 32% 87% 72% 68%
0,38% 56% 70% 122% 116% 295%
33% 35% 43% 25% 22%
Houses of 22m2 to 70m2
Houses >70m2
Houses <21m2
Average growth rate
2011Mortgage Type:
Annual Growth (yoy)
Bank Structure and Performance
31
Bank Structure and Performance
Foreword Table of Contents Prospects and Banking
8%
7%
6%
5%
4%
3%
2%
1%
0%Feb
2011Apr
2011Jun
2011Aug
2011Oct
2011Dec
2010Feb
2011Apr
2011Jun
2011Aug
2011Oct
2011Dec
2011Dec
2011
Houses <21m2
Flat/apartment <21m2Houses of 22m2 to 70m2
Flat/apartment of 22m2 to 70m2Houses >70m2
Flat/apartment >70m2
60%
40%
50%
20%
-20%
-40%
-60%
-80%
Jan2012
Feb2012
Mar2012
Apr2012
May2012
Jun2012
Jul2012
Aug2012
Sep2012
Oct2012
Nov2012
Dec2012
0%
24%
50%
20% 20% 20% 21% 19%12% 10%
7% 7%5%
-5%
5%12%11%11%11%
13%
30%
12%
3%
-31% -44% -44%-37%
-23%-17% -16%
-36% -36%
-67% -68% -65% -62% -61%-56% -53% -52%
-60% -61% -62%-59%
-30%-29% -28%
-21%truk
3%2%-4%
1% -7%2%
10%4%
5%-13%
-20%-25%
motorcycle
and other vehicles.
5%
4%
3%
2%
1%
0%
Des
-10
-11
Jan
-11
Feb
-11
Mar
-11
APr
-11
Mei
-11
Jun
-11
Jul -1
1A
gst
-11
Sep
-11
Okt
-11
No
vD
es-1
1Ja
n-1
2Fe
b-1
2M
ar-1
2A
Pr-1
2M
ei-1
2Ju
n-1
2Ju
l -12
Ags
t-1
2Se
p-1
2O
kt-1
2N
ov-
12D
es-1
2
Car Motorcycle Truck/Lorry Others
Bank Structure and Performance
Chapter IIBanking Policy and
Banking Supervision Report 201234
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
35
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Bank Indonesia is as follows:
1. In order to enhance bank
2.
the public accountants employed by banks. Bank Indonesia will also review ownership policy at banks and
3.
Banking Supervision Report 201236
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
others:
1. In order to enhance the
2. In order to help customer segment
Dewan Syariah Nasional - DSN) and Indonesia Charter of Accountants (Ikatan Akuntan Indonesia – IAI) in order to expedite the development of new and non-standard products.
industry alike.
3.
and human resources.
4. In order to foster Islamic
and the uniqueness of Islamic banking products in order to raise public understanding of Islamic banking
5.
Board (IFSB).
6. Bank Indonesia developed an Islamic Banking
37
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
early assessment of supervision at Islamic rural banks. In congruity with the development of supervision
organises and hosts training for the supervisors of Islamic banks in order to enhance their competence.
1.
important.
2.
appropriate lending rates for rural banks. Form the results of the review it was found that Bank Indonesia
3. The
4.
development of Apex rural banks in order to expand the role and capacity of rural banks in terms of
Banking Supervision Report 201238
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
4
1. th
d. Enforcing Capital Adequacy Maintained Assets (CEMA) for foreign bank branches.
2. th
Commercial Banks.
4) Policy to develop an electronic credit transfer system for Apex rural banks is discussed in more detail in Box 4.1.
39
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
commissioners and directors; (ii) the suitability of capital adequacy assessments; (iii) the suitability of
3. th
manage their exposure to risk by maintaining asset quality and asset write-downs (PPA).
b. Assessment criteria for the quality of interbank placements categorised as loss.
c. Assessment of credit quality and other funds for MSME borrowers.
d. Term deposits recognised as cash collateral.
e. Criteria for a Prime Bank.
f. Credit restructuring and PPA.
as follows:
1. th
submission of reports as well as the enhancement of transparency at banks in general.
2. th
Banking Supervision Report 201240
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
1. th
2.
d. Structured products.
h. Bank employees.
41
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
1. rd
2. rd
general.
for collateral and the interest rates for the short-term funding facility.
3. th
bank.
c. That a bank shall only implement a transfer of power agreement with a Corporate Service Provider
bank of responsibility to protect the rights of its customers.
Banking Supervision Report 201242
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
e. The submission of work excluded for the transfer of power.
4. th
commercial vehicles with four wheels or more.
5. th
The enforcement of a maximum limit on shareholdings at commercial banks aims to control the shareholder
soundness as well as good corporate governance.
6. th
43
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
1. th
th
.
th
standard approach.
maturity.
2. th
th
nd
th
b. Adding a form to calculate risk-weighted assets pertaining to credit risk.
3. th
.
not applicable to banks in Indonesia when a single shareholder controls two banks that are operated based
4. th
Banking Supervision Report 201244
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
modus operandi.
5. th
year.
6.
the form for the weekly balance sheet in order to align the format with the new Commercial Bank
45
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
strengthen the Islamic banking industry as follows:
1.
2. th
to successfully apply for the short-term funding facility as well as the requirements pertaining to collateral.
3. th
4.
5. th
This circular was issued to provide a reference for Islamic banks and Islamic business units for mortgage
risk management at Islamic banks and Islamic business units.
102 at Islamic banks.
Banking Supervision Report 201246
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
1. th
th
2.
th
3. th
47
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
agencies.
access to their services:
1.
.
2. th
5
funds and repayments.
Banking Supervision Report 201248
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
stemming from the real sector:
th
spilled over to countries in Asia like China and India. Despite a slight downturn in the performance
statements and other sources for public listed companies as well as corporate surveys for non-public
49
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Fisheries) and the banking industry.
1. Create new entrepreneurs. This program aims to mould new entrepreneurs through ongoing training and
Banking Supervision Report 201250
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
The disbursement of small business loans (kredit usaha rakyat – KUR
such workers in terms of entrepreneurship.
6
6) Year to date.
51
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Bank Indonesia also collaborated with the Ministry of Agriculture through a credit extension program.
Bank Indonesia has undertaken a number of measures as follows:
and the death of livestock.
signed on 26th
as well as determining a normal level of interest in order to make claim payments.
banks and the handling of bank failure.
4. Follow-up measures for a bank that has had its business license revoked.
st
Banking Supervision Report 201252
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
rd December 2012.
th December 2011
th
53
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
supervisory bodies worldwide. The required response was not only to raise the capital quality of banks as a solid
system supervision at the local (solo) level by host supervisors and at the consolidated level by home supervisors
was also realised.
issued
supervisors;
with supervision and to ameliorate the quality of banking supervision around the world. BCBS also develops supervision guidelines and
Banking Supervision Report 201254
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
consolidated banking supervision by home supervisors and solo banking supervision by host supervisors.
between Bank Indonesia and the Monetary Authority of Singapore to discuss the performance of banks in each
55
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Bank Indonesia as a member of the Forum concurred with the other members to compose memorandums of
rd
follows:
Banking Supervision Report 201256
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
stability.
6. Communicate with the general public in order to prevent and resolve crises.
57
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
well as if shadow banking is used by market players to circumvent regulatory requirements.
supervision.
process (Pillar 2). Strengthening the capital framework (Pillar 1) under Basel III is not intended to undermine
Basel III. This also stresses the importance of the supervisory review process. Supervisors are considered to play
and adequate capital to absorb risk as well as to intervene when imbalances emerge.
The capital and liquidity requirements under Basel III also evidence the growing importance of supervisors
Banking Supervision Report 201258
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
and strategic decision-making by bank management will remain a challenge for supervisors. This will entail
and involvement in discussions with the bank board and management regarding the business strategy and
59
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
statement from the Board within the risk-management framework as well as persistent divergence between the
explore a mechanism to formally evaluate risk culture in 2013.
valuable lessons garnered by the supervisory authority in Indonesia in the face of several crises in recent years
Banking Supervision Report 201260
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Box 2.1 Policy to Extend Credit and Provide Technical Assistance in order to develop
MSMEs
target to MSMEs can be achieved by commercial banks directly through the provision of credit or
MSMEs. The technical assistance provided by Bank Indonesia aims to enhance the competence of
to meet the credit terms imposed by banks.
to create an equitable MSME development program.
Banking Policy and Regulation
61
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
Box 2.2
Sample
2011 2012
Mar Sept Des Mar Sep Des
Corporate
Mortgages
qtq Mar 11-
Des 12
Credit Segment
Des11-
Des 12
Based on the results of monitoring performed by Bank Indonesia as well as input from the general
Banking Supervision Report 201262
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
63
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
Box 2.3 Multi-licensing Policy
Banking Supervision Report 201264
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
BUKU 1
BUKU 2
BUKU 3
BUKU 4
which covers full and complex banking services.
as well as to promote economic development in unbanked and underbanked areas. There are two main
new concept.
Banking Policy and Regulation
65
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
type.
Zona IKoe sien = 5
Zona IIKoe sien = 4
Zona IIIKoe sien = 3
Zona IVKoe sien = 2
Zona VKoe sien = 1
Zona VIKoe sien = 0.5
DKI JakartaLuar Negeri
Jawa BaratJawa TengahDI YogyakartaJawa TimurBali
Kalimantan TimurKepulauan RiauSumatera Utara
RiauSumatera SelatanKalimantan TengahKalimantan SelatanSulawesi UtaraSulawesi SelatanPapua
DI ehJambiSumatera BaratBangka BelitungBengkuluLampungKalimantan BaratSulawesi Tenggara
NTBNTTSulawesi TengahGorontaloSulawesi BaratMaluku UtaraMalukuPapua Barat
*)
access to banking services.
Rp10 Bilion
Rp10 Bilion
Rp4 Bilion
Rp4 Bilion
Rp2 Bilion
Rp8 Bilion
Rp8 Bilion
Rp3 Bilion
Rp3 Bilion
Rp1 Bilion
Banking Supervision Report 201266
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Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
community.
Such policy is expected to strengthen bank resilience because banks will operate according to their capacity.
by urging banks to supplement capital if business expansion is a desired goal. The necessary increase in
market segment is more niche.
development throughout the Indonesian archipelago.
economic growth in order to ameliorate the welfare of the general public.
Banking Policy and Regulation
67
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
In line with policy to manage the supply of foreign exchange and policy to expand the role and enhance
banks domiciled in Indonesia and foreign bank branches as follows:
Bank Indonesia.
based on the results of an assessment conducted by Bank Indonesia.
Box 2.4 Trustee Policy
Banking Supervision Report 201268
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
2. The Banking Sector
resources.
3. The Corporate Sector
exchange proceeds from exports and foreign exchange from overseas loans.
Banking Policy and Regulation
69
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
Background
further undermined borrower performance and led to spiralling non-performing loans. Such circumstances
compounded bank losses and eroded capital at nearly all banks.
of total shares in a bank.
Box 2.5 Shareholding Policy at Commercial Banks
Banking Supervision Report 201270
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Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
is the most restricted compared to other kinds of shareholder. The other category of shareholder is non-
is maintained.
maximum shareholding for investors in banks that have merged.
Banking Policy and Regulation
71
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
Banking Policy and Regulation
Box 2.6 Policy for iB Mortgages and iB Automotive Financing at Islamic Commercial
Banks and Islamic Business Units
Banking Supervision Report 201272
Banking Policy and Regulation
Foreword Table of Contents Bank Structure and Performance in 2011
Prospects and Banking
th st
Banking Policy and Regulation
Chapter 3
and Enforcement in 2012
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
75
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
3.1 Banking SupervisionConsolidated Supervision
th
th
dated 15th
Level 1
Level 2 is
Level 3
Banking Supervision Report 201276
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Risk-Based Banking Supervision
Stage 1
Stage 2
Stage 3
Stage 4
Stage 5
Stage 6
Insurance Company I
Insurance Company A
Insurance Company B
FinanceCompany C
Company E
FactoringCompany G
FinanceCompany F
Company H
FinanceCompany D
77
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
1. Know your bank
6. Supervisory actions and
monitoring
5. Update bank risk profile and
soundness level
InspectionReport
4. Risk BasedInspections
3. SupervisionPlanning
InspectionWork Plan
2. Assessment of riskand bank
soundness
Collection of dataand information
RBS Phase 1Panel Forum
RBS Phase 2Panel Forum
Risk Profile andLevel of
Bank Soundness
AnnualSupervision
Strategy
Banking Supervision Report 201278
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Prospects and Banking
assessment of bank soundness is used as the basis to determine future business strategy as well as to compile
Bank Soundness Assessment Framework
79
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
principle-based
minimum requirements that the
Bank Soundness Level Assessment
Framework
Banking Supervision Report 201280
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Bank Soundness Assessed Individually
KnowYourBank
CompositeRBBR
Inherent Risk
Level of Composite
Inherent RiskComposite KPMR
LevelComposite Risk
CGS Capital
Credit Risk Credit Risk
Market Risk
Liquidity Risk Framework3. Human Resources
System (MIS) Processes4. Risk Control System
Risk
ComplianceRisk
Risk
Market Risk Structure
Process
Results
PerformanceAdequacy
Source
Sustainability
Liquidity Risk
Risk
ComplianceRisk
Risk
Risk Level
QualityOf Risk
Applied
RISK PROFILE
81
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Assessment of Consolidated Bank Soundness
Banking Supervision Report 201282
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
th
83
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
st July for the
assessment of bank soundness conducted at the end of June and no later than 31st
th
assessment of bank soundness conducted at the end of June and 15th
Banking Supervision Report 201284
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Good Corporate Governance
Earnings
85
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Capital
th
Th
Banking Supervision Report 201286
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Supervision Status of Commercial Banks
Financial System Stability Dashboard
87
Bank Supervision Implementation
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Prospects and Banking
Banking Supervision Report 201288
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
3.1.2. Islamic Banking
89
Bank Supervision Implementation
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Prospects and Banking
Banking Supervision Report 201290
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
91
Bank Supervision Implementation
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Prospects and Banking
Banking Supervision Report 201292
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Level of Soundness
Dec'12 Dec'11 Dec'10
Sehat
Cukup Sehat
Kurang Sehat
Tidak Sehat
20,0 40,0 60,0 80,0 100
2,12,23,4
4,94,65,8
8,98,610,18
84,184,580,8
Capital
Asset quality
93
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Earnings
Liquidity
Dec'12 Dec'11 Dec'10
Sehat
Cukup Sehat
Kurang Sehat
Tidak Sehat
10,0 20,0 30,0 40,0 60,050,0
9,79,08,2
25,522,822,5
59,260,059,0
5,68,210,3
Banking Supervision Report 201294
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
pantsNot
pantsNot
pantsNot
2011 2012
110 21
11 12
Directors
21 15 24 15 332 130
15 21
Controlling Shareholders 0 0 0 0 155
Total 32 153 42
95
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
3.2.2 Islamic Banks
Banking Supervision Report 201296
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Prospects and Banking
97
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Commercial Banks Rural Banks
Cases Banks Cases Banks Cases Banks
22 14 44 21 35
23 15
13 43 20
Banking Supervision Report 201298
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Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
99
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
HO
Witnesses 50Witnesses 20Total
Number of Disputes
2010 2011 2012
35
Disbursement of Funds
Payment System
2 4 0
3 4
3 3 11
278 510 521
Banking Supervision Report 2012100
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
101
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
nd
st
st December 2013 the
st
Authority
th
th
Box3.1 Preparations and the Transition Period for the Transfer of the Supervision
Function to the Financial Services Authority (OJK)
Bank Supervision Implementation
Banking Supervision Report 2012102
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Bank Supervision Implementation
103
Bank Supervision Implementation
Foreword Table of Contents Bank Structure and Performance in 2011 in 2011
Prospects and Banking
Bank Supervision Implementation
Chapter IVBanking Outlook and Policy
Banking Supervision Report 2012106
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
107
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
Banking Supervision Report 2012108
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
109
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
Banking Supervision Report 2012110
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
111
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
public closely relates to the
Banking Supervision Report 2012112
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
113
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
Banking Supervision Report 2012114
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
TabunganKu
115
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
TabunganKu
TabunganKuTabunganKu
TabunganKu
TabunganKuTabunganKu
TabunganKu
TabunganKu
TabunganKu program
TabunganKuTabunganKu account holders use
TabunganKu
TabunganKu
customers open a new TabunganKuTabunganKuother key features of the TabunganKu
TabunganKu
TabunganKuTabunganKu
Banking Supervision Report 2012116
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
117
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
Banking Supervision Report 2012118
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
119
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
Box 4.1 Policy to develop an Electronic Credit Transfer System
Prospects and Banking Policy Direction
Banking Supervision Report 2012120
Prospects and Banking Policy Direction
Foreword Table of Contents Bank Structure and Performancein 2011 in 2011
Prospects and Banking
Department of Banking Supervision 1
Department of Banking Research and Regula ons
Department of Banking Supervision 2
Department of Banking Supervision 3
Department of Sharia Banking
Department of Credit, Rural Bank Supervision and SMEs
Department of Bank Licensing and Banking Informa on
Department of Inves ga on and Banking Media on
Coordinator & Editor :
Banking Supervision Report
Director :
Contributor :
Writers & Contributor :