Posisi Kredit UMKM Des 2010
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PERKEMBANGAN NPL KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN 1 NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS 1 (Miliar Rp/Billions of IDR ) III. PERKEMBANGAN NPL KREDIT MKM NPL OF MSM CREDITS .III Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Kredit Mikro (Rp0-Rp50 jt) 7,646.3 4.20% 7,823.0 3.86% 9,409.1 4.02% 11,027.8 4.32% 10,890.3 5.41% 11,313.6 5.45% 12,276.0 4.66% 9,523.0 3.64% 9,772.9 3.64% 9,343.6 3.41% 9,678.9 3.46% 10,024.8 3.58% 10,522.0 3.73% 10,103.2 3.57% 9,273.1 3.33% 8,864.1 3.13% Micro Credits (up to IDR50 million) Kredit Kecil (>Rp 50 jt- Rp500jt) 4,652.3 4.00% 5,105.9 3.30% 4,802.6 2.17% 5,810.3 2.05% 6,540.3 2.20% 6,919.0 2.26% 7,003.3 2.23% 7,238.0 2.24% 7,745.0 2.33% 7,345.5 2.14% 7,607.0 2.16% 7,913.6 2.18% 7,999.3 2.17% 8,324.7 2.20% 8,758.9 2.26% 7,883.6 1.99% Small Credits (>IDR50million - IDR500 million) Kredit Menengah (>Rp500 jt-Rp5M) 6,468.3 4.98% 6,366.2 3.81% 7,032.9 3.43% 7,906.3 3.47% 8,416.6 3.81% 8,721.3 3.87% 8,663.2 3.70% 8,912.2 3.75% 9,526.5 3.93% 9,023.2 3.58% 9,214.5 3.64% 9,412.8 3.60% 9,291.7 3.52% 9,672.8 3.62% 10,867.9 3.96% 9,396.9 3.33% Medium Credits (>IDR500 million - IDR5 NPL-gross Kredit MKM **) 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72% NPL-gross of MSM's Credits Kredit Modal Kerja 10,735.0 5.93% 10,624.1 4.92% 11,967.4 4.59% 14,029.6 4.77% 12,194.3 4.66% 12,715.6 4.68% 13,365.6 4.35% 13,780.1 4.46% 14,397.7 4.58% 13,825.0 4.19% 14,239.4 4.26% 14,901.8 4.15% 15,070.2 4.24% 15,371.2 4.29% 16,818.1 4.64% 15,419.8 4.17% Working Capital Credits Kredit Investasi 2,855.3 7.49% 2,682.1 5.82% 2,768.4 4.93% 2,946.7 4.50% 2,920.5 4.32% 3,072.2 4.34% 3,037.0 4.26% 3,123.7 4.35% 3,242.0 4.53% 2,944.7 3.47% 3,215.9 3.71% 3,171.0 3.88% 2,920.5 3.57% 3,082.4 3.66% 3,104.5 3.65% 2,779.9 3.21% Investment Credits Kredit Konsumsi 5,176.6 2.48% 5,988.8 2.28% 6,508.9 1.90% 7,768.1 1.91% 10,732.2 2.75% 11,166.2 2.82% 11,540.0 2.66% 8,769.3 1.99% 9,404.8 2.06% 8,942.6 1.97% 9,045.1 1.95% 9,278.5 2.00% 9,822.2 2.06% 9,647.1 1.98% 8,977.4 1.82% 7,945.1 1.58% Consumer Credits NPL-gross Kredit MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72% NPL-gross of MSM's Credits Pertanian, perburuan dan sarana pertanian 1,237.2 8.25% 1,252.0 7.16% 1,177.8 5.55% 1,586.9 6.44% 789.4 5.36% 767.6 5.19% 937.9 5.51% 961.4 5.57% 891.6 5.17% 770.3 4.21% 999.1 4.67% 1,035.1 5.05% 1,040.5 5.17% 1,062.0 5.39% 1,112.4 5.68% 878.7 4.45% Agriculture,hunting and agricultural facilities Pertambangan 122.8 9.37% 102.5 6.71% 96.5 5.29% 93.0 2.18% 90.2 4.09% 82.3 2.11% 94.9 1.78% 128.3 2.30% 157.5 2.53% 286.0 4.15% 119.3 1.66% 125.4 2.06% 195.5 3.09% 106.0 1.60% 113.1 1.70% 126.5 1.79% Mining Perindustrian 2,226.7 6.03% 2,082.9 5.46% 3,495.8 7.52% 2,646.7 5.93% 2,516.9 5.20% 2,564.4 5.13% 2,523.1 5.00% 2,485.5 4.97% 2,631.1 5.16% 2,457.7 4.68% 2,627.3 5.01% 2,650.7 4.86% 2,642.7 4.86% 2,680.7 4.97% 2,720.4 5.01% 2,487.6 4.45% Manufacturing Industry Listrik, Gas dan Air 21.5 1.45% 13.9 4.84% 7.6 1.35% 17.9 2.54% 12.3 2.03% 15.5 2.50% 17.3 2.69% 14.9 2.13% 19.9 2.93% 20.0 2.71% 20.3 2.31% 21.5 2.27% 20.3 2.10% 22.4 1.19% 29.8 2.17% 31.1 3.18% Electricity, Gas & Water Konstruksi 570.8 5.64% 602.4 4.54% 807.3 4.71% 1,186.3 6.13% 1,113.2 6.67% 1,161.9 6.96% 1,078.3 6.13% 1,176.2 6.52% 1,444.6 7.14% 1,286.0 6.27% 1,270.3 6.10% 1,313.7 6.11% 1,258.0 5.74% 1,445.8 6.25% 1,593.9 6.80% 1,285.4 5.87% Construction Perdagangan, restoran dan hotel 7,371.6 6.45% 7,316.2 5.13% 7,077.8 4.25% 8,840.7 4.46% 7,002.9 4.72% 7,497.8 4.88% 7,876.4 4.51% 8,114.8 4.62% 8,199.3 4.66% 7,682.9 4.16% 9,126.2 4.52% 9,409.5 4.57% 9,340.2 4.57% 9,361.2 4.64% 10,552.5 5.16% 9,699.1 4.71% Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi 711.9 10.76% 435.5 6.04% 372.9 4.31% 414.8 4.45% 595.7 5.30% 561.5 4.96% 577.0 4.97% 595.3 5.09% 596.8 5.10% 588.3 4.84% 578.6 4.66% 566.3 4.73% 587.7 4.86% 624.8 4.89% 590.6 4.56% 481.6 3.71% Transportation, cargo storage and communication Jasa Dunia Usaha 977.9 3.86% 1,088.3 3.33% 1,272.2 2.92% 1,604.8 3.39% 1,118.4 2.49% 1,261.2 2.62% 1,214.9 2.35% 1,314.2 2.50% 1,369.9 2.57% 1,188.2 2.31% 1,190.0 2.37% 1,211.7 2.38% 1,331.5 2.34% 1,129.6 2.10% 1,131.7 2.10% 1,339.2 2.36% Business Services Jasa Sosial 186.4 3.09% 249.3 3.73% 240.9 3.17% 292.0 3.33% 574.3 4.19% 686.3 4.85% 728.6 5.04% 758.3 5.18% 805.5 5.31% 986.9 3.18% 977.7 3.21% 1,073.7 3.04% 996.6 3.42% 1,364.3 4.20% 1,205.1 3.94% 1,101.4 3.61% Social Services Lain-lain 5,340.0 2.53% 6,152.0 2.33% 6,695.9 1.93% 8,061.3 1.97% 12,033.9 2.87% 12,355.4 2.90% 12,894.0 2.75% 10,124.2 2.13% 10,928.0 2.22% 10,446.0 2.13% 9,591.4 1.97% 9,943.7 2.00% 10,399.9 2.05% 10,303.9 1.97% 9,850.5 1.85% 8,714.1 1.59% Others NPL-gross Kredit MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72% NPL-gross of MSM's Credits Bank Persero 8,595.6 5.93% 8,178.0 4.63% 7,812.2 3.39% 9,783.6 3.43% 7,508.1 3.39% 7,969.2 3.52% 8,674.2 3.00% 8,996.3 3.05% 9,881.9 3.29% 9,069.4 2.96% 9,418.4 3.02% 9,716.0 3.05% 9,474.0 2.95% 9,889.9 3.04% 11,769.9 3.52% 10,459.5 3.04% State Banks Bank Swasta Nasional Devisa 6,291.8 3.53% 6,520.9 3.00% 7,075.9 2.65% 7,943.3 2.78% 8,191.1 2.89% 8,423.1 2.90% 8,300.2 2.79% 8,560.6 2.83% 8,677.1 2.80% 8,299.0 2.59% 8,637.4 2.62% 8,745.4 2.59% 8,966.7 2.61% 8,911.0 2.55% 8,982.4 2.53% 8,595.3 2.36% Foreign Exchange Private National Banks Bank Swasta Nasional Non Devisa 560.3 3.30% 421.1 2.04% 364.6 1.55% 523.3 1.75% 573.3 1.94% 603.3 1.99% 637.4 2.02% 664.4 2.04% 730.4 2.13% 808.2 2.12% 810.8 2.20% 881.0 2.31% 873.8 2.26% 929.1 2.35% 938.3 2.33% 909.5 2.20% Non Foreign Exchange Private National Banks BPD 872.4 1.65% 1,130.0 1.67% 1,195.0 1.36% 1,660.7 1.54% 1,984.6 1.85% 2,122.7 1.94% 2,301.0 2.06% 2,325.3 2.04% 2,522.9 2.17% 2,497.2 2.09% 2,626.5 2.17% 2,666.4 2.16% 2,676.2 2.16% 2,863.1 2.27% 2,863.4 2.25% 2,362.1 1.87% Regional Development Banks Bank Campuran 192.5 3.86% 171.9 2.94% 277.6 3.26% 540.6 4.21% 843.1 4.22% 760.2 3.33% 655.8 2.95% 636.0 2.86% 554.6 2.42% 641.0 2.51% 628.4 2.58% 580.2 2.43% 607.5 2.48% 563.2 2.35% 521.3 2.30% 560.9 2.25% Joint Banks Bank Asing 554.5 4.49% 1,159.4 8.15% 2,078.0 12.31% 2,268.6 13.87% 4,597.7 16.68% 4,869.9 16.59% 5,178.3 17.94% 2,244.6 9.17% 2,459.2 9.14% 2,212.8 8.60% 2,114.6 7.88% 2,443.3 8.75% 2,845.1 10.23% 2,548.1 8.55% 1,547.8 5.80% 1,187.6 4.51% Foreign Banks BPR/BPRS 1,699.9 9.68% 1,713.8 8.02% 2,441.5 9.21% 2,024.2 6.86% 2,149.1 7.20% 2,205.5 7.23% 2,195.7 7.06% 2,246.0 7.05% 2,218.3 6.80% 2,184.8 6.56% 2,264.2 6.68% 2,318.8 6.68% 2,369.6 6.82% 2,396.4 6.81% 2,276.8 6.79% 2,069.7 6.12% Rural/Islamic Rural Banks NPL-gross Kredit MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72% NPL-gross of MSM's Credits NPL-gross Kredit Non MKM 29,271.8 8.07% 20,346.3 4.28% 20,044.0 3.11% 20,939.6 3.15% 23,572.2 3.43% 24,114.8 3.49% 21,041.9 3.26% 21,474.4 3.23% 22,580.4 3.27% 21,952.2 3.04% 22,087.2 3.09% 22,344.8 3.03% 21,500.4 2.88% 23,360.1 3.12% 24,153.5 3.14% 20,317.1 2.52% NPL-gross of Non MSM's Credits NPL-gross Perbankan 49,705.9 6.14% 42,480.6 4.15% 44,493.5 3.33% 49,591.7 3.38% 50,974.0 3.55% 52,692.5 3.61% 51,021.0 3.43% 48,908.9 3.22% 51,411.6 3.29% 49,480.5 3.05% 50,434.9 3.09% 51,600.1 3.08% 51,531.4 3.04% 53,505.7 3.13% 54,522.4 3.13% 47,679.0 2.65% NPL-gross of Banking's NPL-net Kredit MKM 9,872.8 2.31% 8,853.4 1.69% 5,600.5 0.85% 10,319.2 1.35% 13,079.7 1.82% 12,182.2 1.65% 12,003.5 1.48% 12,129.9 1.48% 12,996.4 1.54% 12,306.0 1.42% 12,587.8 1.42% 12,728.4 1.41% 13,711.7 1.50% 14,062.9 1.51% 14,339.4 1.53% 12,996.2 1.35% NPL-net of MSM's Credits 1 Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS. 1 Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit, Rural Banks and MSMEs), processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report. Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit . MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card. Sudah termasuk pembiayaan oleh Bank Umum Syariah. Includes financing of Islamic Banks. Untuk bulan Desember 2010, sudah termasuk baki debet BPR, belum termasuk BPRS. Outstanding of Conventional Rural Banks were included in December 2010, Islamic Rural Banks were not included. *) Angka Sementara *) Preliminary Figures Des 2006 2007 2008 Jun Jan Feb Mar Apr Mei 2009 2010 *) Jul Agt Sep Okt Nov NPL MKM Des 20103/2/2011
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Transcript of Posisi Kredit UMKM Des 2010
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PERKEMBANGAN NPL KREDIT MIKRO, KECIL, DAN MENENGAH (MKM) PERBANKAN1
NPL OF MICRO, SMALL, AND MEDIUM (MSM) CREDITS1
(Miliar Rp/Billions of IDR )
III. PERKEMBANGAN NPL KREDIT MKM NPL OF MSM CREDITS .III
Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total % Total %
Kredit Mikro (Rp0-Rp50
jt) 7,646.3 4.20% 7,823.0 3.86% 9,409.1 4.02% 11,027.8 4.32% 10,890.3 5.41% 11,313.6 5.45% 12,276.0 4.66% 9,523.0 3.64% 9,772.9 3.64% 9,343.6 3.41% 9,678.9 3.46% 10,024.8 3.58% 10,522.0 3.73% 10,103.2 3.57% 9,273.1 3.33% 8,864.1 3.13%
Micro Credits (up to
IDR50 million)
Kredit Kecil (>Rp 50 jt-
Rp500jt)4,652.3 4.00% 5,105.9 3.30% 4,802.6 2.17% 5,810.3 2.05% 6,540.3 2.20% 6,919.0 2.26% 7,003.3 2.23% 7,238.0 2.24% 7,745.0 2.33% 7,345.5 2.14% 7,607.0 2.16% 7,913.6 2.18% 7,999.3 2.17% 8,324.7 2.20% 8,758.9 2.26% 7,883.6 1.99%
Small Credits
(>IDR50million -
IDR500 million)
Kredit Menengah
(>Rp500 jt-Rp5M) 6,468.3 4.98% 6,366.2 3.81% 7,032.9 3.43% 7,906.3 3.47% 8,416.6 3.81% 8,721.3 3.87% 8,663.2 3.70% 8,912.2 3.75% 9,526.5 3.93% 9,023.2 3.58% 9,214.5 3.64% 9,412.8 3.60% 9,291.7 3.52% 9,672.8 3.62% 10,867.9 3.96% 9,396.9 3.33%
Medium Credits
(>IDR500 million - IDR5
NPL-gross Kredit
MKM **) 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
Kredit Modal Kerja10,735.0 5.93% 10,624.1 4.92% 11,967.4 4.59% 14,029.6 4.77% 12,194.3 4.66% 12,715.6 4.68% 13,365.6 4.35% 13,780.1 4.46% 14,397.7 4.58% 13,825.0 4.19% 14,239.4 4.26% 14,901.8 4.15% 15,070.2 4.24% 15,371.2 4.29% 16,818.1 4.64% 15,419.8 4.17% Working Capital Credits
Kredit Investasi 2,855.3 7.49% 2,682.1 5.82% 2,768.4 4.93% 2,946.7 4.50% 2,920.5 4.32% 3,072.2 4.34% 3,037.0 4.26% 3,123.7 4.35% 3,242.0 4.53% 2,944.7 3.47% 3,215.9 3.71% 3,171.0 3.88% 2,920.5 3.57% 3,082.4 3.66% 3,104.5 3.65% 2,779.9 3.21% Investment Credits
Kredit Konsumsi 5,176.6 2.48% 5,988.8 2.28% 6,508.9 1.90% 7,768.1 1.91% 10,732.2 2.75% 11,166.2 2.82% 11,540.0 2.66% 8,769.3 1.99% 9,404.8 2.06% 8,942.6 1.97% 9,045.1 1.95% 9,278.5 2.00% 9,822.2 2.06% 9,647.1 1.98% 8,977.4 1.82% 7,945.1 1.58% Consumer Credits
NPL-gross Kredit
MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
Pertanian, perburuan
dan sarana pertanian 1,237.2 8.25% 1,252.0 7.16% 1,177.8 5.55% 1,586.9 6.44% 789.4 5.36% 767.6 5.19% 937.9 5.51% 961.4 5.57% 891.6 5.17% 770.3 4.21% 999.1 4.67% 1,035.1 5.05% 1,040.5 5.17% 1,062.0 5.39% 1,112.4 5.68% 878.7 4.45%
Agriculture,hunting and
agricultural facilities
Pertambangan 122.8 9.37% 102.5 6.71% 96.5 5.29% 93.0 2.18% 90.2 4.09% 82.3 2.11% 94.9 1.78% 128.3 2.30% 157.5 2.53% 286.0 4.15% 119.3 1.66% 125.4 2.06% 195.5 3.09% 106.0 1.60% 113.1 1.70% 126.5 1.79% Mining
Perindustrian 2,226.7 6.03% 2,082.9 5.46% 3,495.8 7.52% 2,646.7 5.93% 2,516.9 5.20% 2,564.4 5.13% 2,523.1 5.00% 2,485.5 4.97% 2,631.1 5.16% 2,457.7 4.68% 2,627.3 5.01% 2,650.7 4.86% 2,642.7 4.86% 2,680.7 4.97% 2,720.4 5.01% 2,487.6 4.45% Manufacturing Industry
Listrik, Gas dan Air 21.5 1.45% 13.9 4.84% 7.6 1.35% 17.9 2.54% 12.3 2.03% 15.5 2.50% 17.3 2.69% 14.9 2.13% 19.9 2.93% 20.0 2.71% 20.3 2.31% 21.5 2.27% 20.3 2.10% 22.4 1.19% 29.8 2.17% 31.1 3.18% Electricity, Gas & Water
Konstruksi 570.8 5.64% 602.4 4.54% 807.3 4.71% 1,186.3 6.13% 1,113.2 6.67% 1,161.9 6.96% 1,078.3 6.13% 1,176.2 6.52% 1,444.6 7.14% 1,286.0 6.27% 1,270.3 6.10% 1,313.7 6.11% 1,258.0 5.74% 1,445.8 6.25% 1,593.9 6.80% 1,285.4 5.87% Construction
Perdagangan, restoran
dan hotel 7,371.6 6.45% 7,316.2 5.13% 7,077.8 4.25% 8,840.7 4.46% 7,002.9 4.72% 7,497.8 4.88% 7,876.4 4.51% 8,114.8 4.62% 8,199.3 4.66% 7,682.9 4.16% 9,126.2 4.52% 9,409.5 4.57% 9,340.2 4.57% 9,361.2 4.64% 10,552.5 5.16% 9,699.1 4.71%
Trade, restaurants and
hotels
Pengangkutan,
pergudangan dan
komunikasi 711.9 10.76% 435.5 6.04% 372.9 4.31% 414.8 4.45% 595.7 5.30% 561.5 4.96% 577.0 4.97% 595.3 5.09% 596.8 5.10% 588.3 4.84% 578.6 4.66% 566.3 4.73% 587.7 4.86% 624.8 4.89% 590.6 4.56% 481.6 3.71%
Transportation, cargo
storage and
communication
Jasa Dunia Usaha 977.9 3.86% 1,088.3 3.33% 1,272.2 2.92% 1,604.8 3.39% 1,118.4 2.49% 1,261.2 2.62% 1,214.9 2.35% 1,314.2 2.50% 1,369.9 2.57% 1,188.2 2.31% 1,190.0 2.37% 1,211.7 2.38% 1,331.5 2.34% 1,129.6 2.10% 1,131.7 2.10% 1,339.2 2.36% Business Services
Jasa Sosial 186.4 3.09% 249.3 3.73% 240.9 3.17% 292.0 3.33% 574.3 4.19% 686.3 4.85% 728.6 5.04% 758.3 5.18% 805.5 5.31% 986.9 3.18% 977.7 3.21% 1,073.7 3.04% 996.6 3.42% 1,364.3 4.20% 1,205.1 3.94% 1,101.4 3.61% Social Services
Lain-lain 5,340.0 2.53% 6,152.0 2.33% 6,695.9 1.93% 8,061.3 1.97% 12,033.9 2.87% 12,355.4 2.90% 12,894.0 2.75% 10,124.2 2.13% 10,928.0 2.22% 10,446.0 2.13% 9,591.4 1.97% 9,943.7 2.00% 10,399.9 2.05% 10,303.9 1.97% 9,850.5 1.85% 8,714.1 1.59% Others
NPL-gross Kredit
MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
Bank Persero 8,595.6 5.93% 8,178.0 4.63% 7,812.2 3.39% 9,783.6 3.43% 7,508.1 3.39% 7,969.2 3.52% 8,674.2 3.00% 8,996.3 3.05% 9,881.9 3.29% 9,069.4 2.96% 9,418.4 3.02% 9,716.0 3.05% 9,474.0 2.95% 9,889.9 3.04% 11,769.9 3.52% 10,459.5 3.04% State Banks
Bank Swasta Nasional
Devisa6,291.8 3.53% 6,520.9 3.00% 7,075.9 2.65% 7,943.3 2.78% 8,191.1 2.89% 8,423.1 2.90% 8,300.2 2.79% 8,560.6 2.83% 8,677.1 2.80% 8,299.0 2.59% 8,637.4 2.62% 8,745.4 2.59% 8,966.7 2.61% 8,911.0 2.55% 8,982.4 2.53% 8,595.3 2.36%
Foreign Exchange
Private National Banks
Bank Swasta Nasional
Non Devisa560.3 3.30% 421.1 2.04% 364.6 1.55% 523.3 1.75% 573.3 1.94% 603.3 1.99% 637.4 2.02% 664.4 2.04% 730.4 2.13% 808.2 2.12% 810.8 2.20% 881.0 2.31% 873.8 2.26% 929.1 2.35% 938.3 2.33% 909.5 2.20%
Non Foreign Exchange
Private National Banks
BPD872.4 1.65% 1,130.0 1.67% 1,195.0 1.36% 1,660.7 1.54% 1,984.6 1.85% 2,122.7 1.94% 2,301.0 2.06% 2,325.3 2.04% 2,522.9 2.17% 2,497.2 2.09% 2,626.5 2.17% 2,666.4 2.16% 2,676.2 2.16% 2,863.1 2.27% 2,863.4 2.25% 2,362.1 1.87%
Regional Development
Banks
Bank Campuran 192.5 3.86% 171.9 2.94% 277.6 3.26% 540.6 4.21% 843.1 4.22% 760.2 3.33% 655.8 2.95% 636.0 2.86% 554.6 2.42% 641.0 2.51% 628.4 2.58% 580.2 2.43% 607.5 2.48% 563.2 2.35% 521.3 2.30% 560.9 2.25% Joint Banks
Bank Asing 554.5 4.49% 1,159.4 8.15% 2,078.0 12.31% 2,268.6 13.87% 4,597.7 16.68% 4,869.9 16.59% 5,178.3 17.94% 2,244.6 9.17% 2,459.2 9.14% 2,212.8 8.60% 2,114.6 7.88% 2,443.3 8.75% 2,845.1 10.23% 2,548.1 8.55% 1,547.8 5.80% 1,187.6 4.51% Foreign Banks
BPR/BPRS1,699.9 9.68% 1,713.8 8.02% 2,441.5 9.21% 2,024.2 6.86% 2,149.1 7.20% 2,205.5 7.23% 2,195.7 7.06% 2,246.0 7.05% 2,218.3 6.80% 2,184.8 6.56% 2,264.2 6.68% 2,318.8 6.68% 2,369.6 6.82% 2,396.4 6.81% 2,276.8 6.79% 2,069.7 6.12%
Rural/Islamic Rural
Banks
NPL-gross Kredit
MKM 18,766.9 4.38% 19,295.0 3.68% 21,244.7 3.22% 24,744.4 3.23% 25,847.1 3.59% 26,954.0 3.65% 27,942.5 3.44% 25,673.2 3.12% 27,044.4 3.21% 25,712.3 2.96% 26,500.4 3.00% 27,351.3 3.02% 27,813.0 3.04% 28,100.7 3.03% 28,899.9 3.07% 26,144.7 2.72%
NPL-gross of MSM's
Credits
NPL-gross Kredit Non
MKM 29,271.8 8.07% 20,346.3 4.28% 20,044.0 3.11% 20,939.6 3.15% 23,572.2 3.43% 24,114.8 3.49% 21,041.9 3.26% 21,474.4 3.23% 22,580.4 3.27% 21,952.2 3.04% 22,087.2 3.09% 22,344.8 3.03% 21,500.4 2.88% 23,360.1 3.12% 24,153.5 3.14% 20,317.1 2.52%
NPL-gross of Non
MSM's Credits
NPL-gross Perbankan49,705.9 6.14% 42,480.6 4.15% 44,493.5 3.33% 49,591.7 3.38% 50,974.0 3.55% 52,692.5 3.61% 51,021.0 3.43% 48,908.9 3.22% 51,411.6 3.29% 49,480.5 3.05% 50,434.9 3.09% 51,600.1 3.08% 51,531.4 3.04% 53,505.7 3.13% 54,522.4 3.13% 47,679.0 2.65%
NPL-gross of
Banking's
NPL-net Kredit MKM9,872.8 2.31% 8,853.4 1.69% 5,600.5 0.85% 10,319.2 1.35% 13,079.7 1.82% 12,182.2 1.65% 12,003.5 1.48% 12,129.9 1.48% 12,996.4 1.54% 12,306.0 1.42% 12,587.8 1.42% 12,728.4 1.41% 13,711.7 1.50% 14,062.9 1.51% 14,339.4 1.53% 12,996.2 1.35%
NPL-net of MSM's
Credits1 Sumber data: Bank Indonesia (Biro Pengembangan BPR dan UMKM - DKBU), diolah dari Laporan Bulanan Bank Umum (LBU) dan Laporan Bulanan BPR/BPRS.
1 Data source: Bank Indonesia (Bureau of Rural Banks and MSMEs Development-Directorate of Credit,
Rural Banks and MSMEs), processed from Banks' Monthly Reports and Rural Banks/Rural Islamic Banks' Monthly Report.
Kredit MKM tidak termasuk kartu kredit; total kredit perbankan dan kredit Non MKM termasuk kartu kredit. MSM Credits not includes credits to credit card holders; banking credit and non MSM credits includes credit card.
Sudah termasuk pembiayaan oleh Bank Umum Syariah. Includes financing of Islamic Banks.
Untuk bulan Desember 2010, sudah termasuk baki debet BPR, belum termasuk BPRS. Outstanding of Conventional Rural Banks were included in December 2010, Islamic Rural Banks were not included.
*) Angka Sementara *) Preliminary Figures
Des2006 2007 2008
JunJan Feb Mar Apr Mei2009
2010 *)
Jul Agt Sep Okt Nov
NPL MKM Des 20103/2/2011
