Laporan Tahunan Annual Report
2013
Bank Aceh
27
NO URAIAN
2008 2009
2010 2011
2012 2013
1 ASET
48.31 44.97
39.59 38.54
37.86 39.75
2 KREDITPEMBIAYAAN
48.19 50.72
51.79 50.03
46.21 43.06
3 DANA PIHAK KETIGA
56.56 53.02
53.32 49.49
48.58 48.20
4 GIRO
78.20 72.28
65.82 73.80
49.08 69.10
5 TABUNGAN
28.22 31.69
33.82 31.97
44.45 34.01
6 DEPOSITO
61.89 66.21
73.70 54.14
55.45 54.68
7 NPL NOMINAL
48.19 35.62
74.54 50.45
41.82 26.00
Aset Asset
LoanFinancing Saving Deposits
Time Deposits Third Parties Funds
Non Performing Loan Demand Deposit
2008
48.31 44.97
39.59 38.54
37.86 39.75
2009 2010
2011 2012
2013
KreditPembiayaan
2008 2009
2010 2011
2012 2013
48.19 50.72
51.79 50.03
46.21 43.06
Dana Pihak Ketiga
56.56 53.02
53.32 49.49
48.58 48.20
2008 2009
2010 2011
2012 2013
Giro
2008 2009
2010 2011
2012 2013
78.20 72.28
Tabungan
2008 2009
2010 2011
2012 2013
28.22 31.69
33.82 31.97
44.45 34.01
Deposito
61.89 66.21
73.70 54.14
55.45 54.68
2008 2009
2010 2011
2012 2013
NPL Nominal
48.19 35.62
74.54 50.45
41.82 26.00
2008 2009
2010 2011
2012 2013
65.82 73.80
49.08 69.10
Tabel Perkembangan Pangsa Pasar Bank Aceh 2008-2013 7DEOHRI0DUNHW6KDUH3URJUHVVRIDQNFHK
Laporan Tahunan Annual Report
2013
Bank Aceh
28
Tabel Perkembangan Data dan Ratio Keuangan Bank Aceh 7DEOHRIHQHUDODWDDQGLQDQFLDO5DWLRV3URJUHVVRIDQNFHK
KETERANGAN 2013
Rp.Jutaan Rp.Million
2012 Rp.Jutaan
Rp.Million 2011
Rp.Jutaan Rp.Million
2010 Rp.Jutaan
Rp.Million 2009
Rp.Jutaan Rp.Million
REMARK A. DATA KEUANGAN
A. FINANCIAL DATA 1. VOLUME USAHA
15.250.212 13.487.270
13.055.398 12.210.215
13.035.072 1. ASSET
2. LABA SEBELUM PAJAK
504.530 476.718
351.573 213.819
383.695 2. PROFIT BEFORE TAX
3. DANA PIHAK KETIGA
- Giro
- Tabungan
- Deposito
11.749.480 4.869.849
4.434.041 2.445.591
10.672.335 4.639.267
3.668.262 2.364.806
10.061.835 4.940.490
3.261.692 1.859.652
9.984.532 2.875.711
2.944.788 4.164.033
10.342.508 4.259.197
2.690.572 3.392.739
3. DEPOSITS - Demand Deposits
- Saving Deposits - Time deposits
4. PENGGUNAAN DANA
- SBI dan FASBI
- Kredit
- Penempatan
- Pembelian
Surat Berharga
- Penyertaan
- Garansi yang
diberikan
15.614.918 1.612.415
10.198.088 2.308.044
403.492 330
1.092.549 13.837.659
1.106.754 9.593.463
1.783.378 471.034
330 882.700
12.343.212 -
9.198.872 1.857.200
474.534 200
812.406
11.985.709
170.000 8.161.230
2.241.995 505.308
200 906.976
13.003.346 1.020.000
6.390.851 2.134.008
2.410.261
200 1.048.026
4. UTILIZATION OF FUNDS - Placement with Bank
Indonesia - Loans
- Placement - Securities
- Investment - Granted bank guarantee
5. MODAL SENDIRI -
Modal Disetor -
Modal Pinjaman
- Saldo Laba
- Cadangan
1.665.432
861.438 371.275
432.719 1.584.667
858.688 353.777
372.202
1.523.429
851.188 260.182
412.059 1.324.634
839.760 178.626
306.248 1.283.834
839.760 272.165
171.909 5. EQUITY
- Paid in Capital - Borrowed Capital
- Retained Earning - Reserve
B. RASIO-RASIO KEUANGAN
B. FINANCIAL RATIOS
Ikhtisar Keuangan
Financial Highlights
Laporan Tahunan Annual Report
2013
Bank Aceh
29
KETERANGAN 2013
Rp.Jutaan Rp.Million
2012 Rp.Jutaan
Rp.Million 2011
Rp.Jutaan Rp.Million
2010 Rp.Jutaan
Rp.Million 2009
Rp.Jutaan Rp.Million
REMARK
1. CAR 2. Aktiva Tetap
Terhadap Modal 3. Aktiva Produktif
Bermasalah 4. NPL Gross
5. NPL Netto 6. CKPN Thp Aktiva
Produktif 7. ROA
8. ROE 9. NIM
10. BOPO 11. LDR
12. Pelanggaran
BMPK a. Pihak Terkait
b. Pihak Tidak Terkait
13. Pelampauan BMPK
a. Pihak Terkait b. Pihak Tidak
Terkait 14. GWM Rupiah
15. PDN 17,56
22,91 1,86
2,78 1,01
2,21
3,44 23,57
7,03 70,72
86,80
9,86 17,82
23,18 2,64
3,30 1,56
2,26
3,66 23,31
7,87 71,51
89.89
9,26 18.27
22.45 2.90
3.69 2.06
2.22
2.91 18.94
7.24 77.36
91.42
9.40 18.38
24.46 4.69
7.02 2.19
4,18 1.80
11.56 8.26
92.99 82.46
8.50 22,94
22,79 0,83
1,69 1,04
1,12
3,06 29,34
6,95 71,39
61,79
5,51 1. CAR
2. Fixed Assets To Capital 3. Non Performing Earning
4. NPL Gross 5. NPL Net
6. Allowance to Earning Assets
7. ROA 8. ROE
9. NIM 10. OCOI
11. LDR 12. Legal Lending Limit
Violation DIˉOLDWHG3DUWLHV
E1RQIˉOLDWHG3DUWLHV 13. Legal Lending Limit
Excess DIˉOLDWHG3DUWLHV
E1RQIˉOLDWHG3DUWLHV 14. Reserve Requirement
15. Net Open Position C. JARINGAN KANTOR
C. OFFICE NETWORK 1. Kantor Pusat
2. Kantor Pusat Operasional
3. Kantor Cabang -
Konvensional -
Syariah 4. Kantor Cabang
Pembantu -
Konvensional -
Syariah 5. Kantor Kas
2IˉFHKDQQHOLQJ Syariah
7. Payment Point
1 1
24 22
2
81
69 12
7 1
1
23 21
2
82
70 12
1 1
1
23 21
2
80
69 11
- 2
1 1
23 21
2
76
67 9
- 2
1 1
21 19
2
78
69 9
- 2
+HDG2IˉFH 0DLQUDQFK2IˉFH
UDQFK2IˉFH - Conventional
- Syariah 6XEUDQFK2IˉFH
- Conventional - Syariah
DVK2IˉFH 6\DULD2IˉFHKDQQHO
7. Payment Point D. ATM
95 85
81 81
76
D. AUTOMATED TELLER MACHINES
E. JUMLAH PEGAWAI 1.488
1.513 1.559
1.585 1.560
E. TOTAL OF EMPLOYEES QJNDDQJNDSDGDVHOXUXKWDEHOGDQJUDˉNPHQJJXQDNDQQRWDVL,QGRQHVLD
– Numerical notations in all tables and graphics are in Indonesia
Laporan Tahunan Annual Report
2013
Bank Aceh
30 Perkembangan Asset
3URJUHVVRIXVLQHVV9ROXPH Perkembangan Setoran Modal
3URJUHVVRI3DLGLQDSLWDO
Total Modal Pemerintah Aceh
Pemerintah Kabupaten Kota Pemerintah Pusat
UDˉN3HUNHPEDQJDQDWD.HXDQJDQDQNFHK UDSKLFRIHQHUDODWD3URJUHVVRIDQNFHK
Perkembangan Tabungan 3URJUHVVRI6DYLQJHSRVLW
Perkembangan Dana Masyarakat 3URJUHVVRIXQG5DLVLQJ
Perkembangan Giro 3URJUHVVRIGHPDQGGHSRVLW
Perkembangan Deposito 3URJUHVVRIWLPHGHSRVLW
2000 2001 2002 2003
2004 2005 2006 2007
2008 2009 2010
2011 2012 2013 2000 2001
2002 2003 2004 2005
2006 2007 2008 2009
2010 2011 2012 2013
2000 2001 2002 2003
2004 2005 2006 2007
2008 2009 2010
2011 2012 2013 2000 2001
2002 2003 2004 2005
2006 2007 2008 2009
2010 2011 2012 2013
2000 2001 2002 2003
2004 2005 2006 2007
2008 2009 2010
2011 2012 2013 2000 2001
2002 2003 2004 2005
2006 2007 2008 2009
2010 2011 2012 2013
Laporan Tahunan Annual Report
2013
Bank Aceh
31 Perkembangan Kredit
3URJUHVVRIJUDQWHGORDQ
Perkembangan CAR 3URJUHVVRI5
Perkembangan NPL 3URJUHVVRI13URVV
Perkembangan Hasil Usaha 3URJUHVVRIRXWFRPH
UDˉN3HUNHPEDQJDQ5DWLR.HXDQJDQDQNFHK 7DEOHRILQDQFLDO5DWLRV3URJUHVVRIDQNFHK
2000 2001 2002 2003
2004 2005 2006 2007
2008 2009 2010
2011 2012 2013 2000 2001
2002 2003 2004 2005
2006 2007 2008 2009
2010 2011 2012 2013
Perkembangan NPL Netto 3URJUHVVRI131HWW
Perkembangan ROA 3URJUHVVRI52
2008 2009
2010 2011
2012 2013
26.57 22.94
18.42 18.27 17.82 17,56
2008 2009
2010 2011
2012 2013
1.17 1.69
7.02
3.69 3.30
2,78
2008 2009
2010 2011
2012 2013
0.21 1.04
2.19 2.06
1.56
1,01
2008 2009
2010 2011
2012 2013
3.09 3.06
2.91 3.66
3,44
1.80
Laporan Tahunan Annual Report
2013
Bank Aceh
32 Perkembangan ROE
3URJUHVVRI52
Perkembangan NIM 3URJUHVVRI1,0
Perkembangan LDR 3URJUHVVRI5
Perkembangan BOPO 3URJUHVVRI22,
2008 2009
2010 2011
2012 2013
7.67
6.95 8.26
7.24 7.87
7,03
2008 2009
2010 2011
2012 2013
70.57 71.39
92.98 77.36
71.51
70,72
2008 2009
2010 2011
2012 2013
39.05 61.79
82.46 91.42
89.89
2008 2009
2010 2011
2012 2013 31.84
29.34 18.94
23.31 23,57
