Increasing Eicacy aspek operasional dan Teknologi

Tabel Produk Pinjaman Berdasarkan sektor ekonomi Table of Loan Products by economic sector dalam Juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Lembaga Pembiayaan 2,807,890 2,571,185 236,705 9.21 Financing Institutions Perdagangan, Restoran dan Hotel 2,149,499 2,340,706 191,207 8.17 Trading, Restaurants and Hotels Industri 1,724,663 1,583,972 140,690 8.88 Industry Real Estate 2,030,271 1,174,734 855,537 72.83 Real Estate Konstruksi 1,022,228 1,010,864 11,364 1.12 Construction Syariah 1,075,681 1,071,621 4,060 0.38 Sharia Jasa-jasa SosialMasyarakat 450,769 343,639 107,130 31.18 Social Community Services Lain-lain 1,833,047 2,333,668 500,621 21.45 Others ToTaL 13,094,048 12,430,390 663,658

5.34 ToTaL

Berdasarkan sektor ekonomi, produk pinjaman khususnya didominasi oleh sektor lembaga pembiayaan. Peningkatan kinerja produk pinjaman berdasarkan sektor ekonomi khususnya berasal dari peningkatan sektor real estate sebesar 72,83 atau menjadi Rp2.030,27 miliar dari Rp1.174,73 miliar di 2014. Peningkatan kinerja produk pinjaman di sektor real estate juga diikuti dengan peningkatan di sektor jasa-jasa sosialmasyarakat, lembaga pembiayaan, industri, konstruksi dan syariah yang masing-masing meningkat sebesar 31,18, 9,21, 8,88, 1,12, dan 0,38. Namun, kinerja produk pinjaman sektor lain-lain menurun sebesar 21,45 atau menjadi Rp1.833,05 miliar dari Rp2.333,67 miliar di 2014. Demikian pula dengan kinerja produk pinjaman sektor perdagangan, restoran dan hotel yang menurun sebesar 8,17. Penurunan kinerja produk pinjaman tersebut khususnya disebabkan Bank bersikap selektif dalam memberikan kredit di sektor-sektor ekonomi dengan memperhatikan prospek sektor ekonomi tersebut di masa yang akan datang. Hal ini dilakukan untuk meminimalisir risiko kredit macet yang dihadapi Bank. Tabel Produk Pinjaman UMKM Table of MsMe Loan Products dalam Juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Usaha Mikro 343 581 238 40.91 Micro Business Usaha Kecil 121,422 132,007 10,585 8.02 Small Business Usaha Menengah 964,157 1,030,188 66,031 6.41 Medium Business ToTaL 1,085,953 1,162,777 76,824

6.61 ToTaL

Berdasarkan produk pinjaman yang disalurkan bagi Usaha Mikro, Kecil, dan Menengah UMKM, kinerja produk pinjaman UMKM mengalami penurunan sebesar 6,61 atau menjadi Rp1.085,95 miliar dari Rp1.162,78 miliar di 2014. Penurunan tersebut terjadi pada produk pinjaman usaha mikro, usaha kecil, dan usaha menengah yang masing- Based on economic sector, the Bank’s loans were dominated by inancing institutions. Improved performance of loan products by economic sector was especially derived from the increase in the real estate sector, amounted to 72.83 or Rp2,030.27 billion from Rp1,174.73 billion in 2014. Improved performance of lending to the real estate sector was followed by an increase in lending to social community services, inancing institutions, industry, construction and sharia sectors, which increased by 31.18, 9.21, 8.88, 1.12 and 0.38, respectively. On the other hand, the performance of lending to other sectors declined by 21.45 to Rp1,833.05 billion, from Rp2,333.67 billion in 2014. Likewise, the performance of lending to trading companies, restaurants and hotels fell by 8.17. The decline in the performance of this lending was especially due to the Bank’s being more selective in lending to certain economic sectors by paying attention to the particular sectors’ future prospects. This is intended to minimize the Bank’s risk of accumulating non-performing loans. Based on the lending to Micro, Small and Medium Enterprises MSMEs, the performance of MSME loan decreased by 6.61 to reach Rp1,085.95 billion from Rp1,162.78 billion in 2014. The decline was seen in micro loans, small business loans, and medium businesses loans, each decreased by 40.91, 8.02 and 6.41, respectively. The decline in MSME loans’