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
2.79 2.36
2.85 2.83
5.00 5.24
3.96 2.48
1.52 2.15
1.66 2.90
2.61 2.51
2.57 2.65
2.91 3.38
Other Housing Loans 3.08
3.17 3.47
3.44 3.59
3.91 4.53
4.74 4.75
5.13 3.81
3.21 3.94
3.84
5.08 5.60
8.51 9.02
7.14 8.97
6.86
Consumer Loan 2.00
2.03 2.55
2.17 1.35
2.42 1.48
Commercial Loan 5.72
6.63 10.16
11.57 9.44
11.34 9.28
4.09 4.05
4.01 3.42
2.84 3.41
3.23 Total Loans
Housing Loans
Subsidized Mortgage Non-Subsidized Mortgage
Construction Loan Non-Housing Loans
30-Jun Loan Type
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
IDR Bn Share
Current 68,420
84.04 84,301 83.91 95,262 82.18 116,887 84.12 142,963 86.94 125,535 84.07 150,333 84.74 Special Mentioned
9,665 11.87 12,101 12.04 16,004 13.81 17,316 12.46 16,807 10.22 18,688 12.52 21,338 12.03
PL 78,085
95.91 96,402
95.95 111,266 95.99
134,203 96.58
159,770 97.16
144,223 96.59
171,671 96.77
Substandard 686
0.84 458 0.46 338
0.29 250 0.18 260
0.16 469 0.31 493
0.28 Doubtful
542 0.67 457
0.45 454 0.39 359
0.26 333 0.20 565
0.38 670 0.38
Loss 2,098
2.58 3,151 3.14 3,859
3.33 4,144 2.98 4,083
2.48 4,059 2.72 4,567
2.57 NPL
3,326 4.09
4,066 4.05
4,650 4.01
4,753 3.42
4,676 2.84
5,093 3.41
5,730 3.23
PL + NPL 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
NPL Gross 4.09
4.05 4.01
3.42 2.84
3.41 3.23
NPL Netto 3.12
3.04 2.76
2.11 1.85
2.23 2.24
31-Dec-13 31-Dec-15
31-Dec-16 30-Jun-16
30-Jun-17 Collectibility
31-Dec-12 31-Dec-14
Note : Figures on all tables Include Sharia financing
Loan Quality Breakdown: Subsidized Mortgage NPL Continued to Improve
24
Note : Figures Include Sharia financing
Special-Mentioned Loan
Special-Mentioned by Loan Type Special-Mentioned Loan
25
Note : Figures Include Sharia financing
Restructured Loan
Restructured Loan by Quality in 2Q17 Restructured Loan in 2Q17
IDR Billion
Restructured Loan Outstanding
IDR Billion
26
Liabilities: Sufficient to Support Loan Growth
Total Liabilities
IDR Trillion
Funding Composition
IDR Trillion
Funding Composition
27
Deposits FY 2012 FY 2013 FY 2014 FY 2015 FY 2016
1H2016 1H2017
y.o.y