19
IDR Bn Shares
IDR Bn Shares
IDR Bn Shares
IDR Bn Shares
IDR Bn Shares
IDR Bn Shares
IDR Bn Shares
Housing Loans 70,223
86.26 87,005
86.60 102,614
88.52 124,927
89.90 147,948
89.97 135,745 90.91 159,739
90.04 17.68
Subsidized Mortgages 25,562
31.40 28,429 28.30 34,347
29.63 43,527 31.32 56,835
34.56 49,864 33.40 63,995
36.07 28.34
Non-Subsidized Mortgages 29,129
35.78 39,548 39.36 45,601
39.34 53,567 38.55 60,469
36.77 57,158 38.28 63,496
35.79 11.09
Other Housing Loans 6,070
7.46 7,198 7.16 8,179
7.06 8,934 6.43 8,723
5.30 8,774 5.88 8,668
4.89 -1.20
Construction Loan 9,462
11.62 11,829 11.77 14,486
12.50 18,900 13.60 21,921
13.33 19,950 13.36 23,580
13.29 18.20
Non-Housing Loans 11,187
13.74 13,463 13.40 13,302
11.48 14,029 10.10 16,498
10.03 13,571 9.09 17,662
9.96 30.15
Consumer Loan 1,923
2.36 2,597 2.59 2,916
2.52 3,839 2.76 4,738
2.88 3,649 2.44 4,772
2.69 30.79
Commercial Loan 9,264
11.38 10,865 10.81 10,386
8.96 10,190 7.33 11,761
7.15 9,923 6.65 12,890
7.27 29.91
Total Loans 81,411 100.00 100,467 100.00 115,916 100.00 138,956 100.00 164,446 100.00
149,316 100.00 177,401 100.00 18.81
y.o.y 31-Dec-15
30-Jun-16 30-Jun-17
Loans Type 31-Dec-12
31-Dec-13 31-Dec-14
31-Dec-16
Loans Composition: Focused on Housing Loans
Gross Loan
IDR Trillion
Housing and Non-Housing Loans
Note : Figures on all graphs Include Sharia financing
20
Mortgages: Growth Remained Strong
Subsidized Mortgages
IDR Billion
Non Subsidized Mortgages
IDR Billion
Note : Figures on all graphs Include Sharia financing
Mortgage Composition Total Mortgages
IDR Billion
21
Loan Disbursement: Mortgages Construction Loans were the Drivers
IDR Trillion
Note : Figures on graph and table Include Sharia financing
IDR Billion
2016 2017
IDR Bio
Housing Loans 28,041 33,955 34,029 41,812 47,216 21,796 24,894 14.21
Subsidized Mortgages 4,213 6,506 7,960 12,771 17,527 8,301 9,500 14.45
Non-Subsidized Mortgages 12,479 14,286 12,629 13,404 14,315 6,627 7,384 11.43
Other Housing 2,659 2,500 2,416 2,418 1,823 880 938
6.57 Construction Loan
8,690 10,663 11,023 13,219 13,551 5,989 7,072 18.08
Non-Housing Loans 9,679 10,338 7,569 9,434 12,043 4,562 7,180 57.39
Consumer Loan 1,809 2,389 2,564 4,268 4,779 2,419 3,296 36.26
Commercial Loan 7,870 7,949 5,005 5,166 7,264 2,143 3,884 81.23
Total Loans 37,720 44,293 41,598 51,246 59,259
26,359 32,074 21.68 FY 2016
FY 2012 FY 2014
FY 2013 FY 2015
Loans Type
6 Months of y.o.y
22
Loan Quality: Manageable NPL
Note : Figures on all graphs Include Sharia financing
Gross NPL Net NPL
23
31-Dec 31-Dec
31-Dec 31-Dec
31-Dec Gross
2012 2013
2014 2015
2016 2016
2017 3.93
3.80 3.43
