BPD Kaltim interest rate development during 2016

Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 186 Bulan | Month Nominal GWM Sekunder Rupiah | Secondary GWM Amount IDR Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 757,613,280,000.00 730,649,600,000.00 675,201,640,000.00 703,620,360,000.00 Februari | February 740,427,120,000.00 791,735,080,000.00 798,911,400,000.00 782,860,840,000.00 Maret | March 768,470,880,000.00 761,067,080,000.00 765,275,600,000.00 745,681,400,000.00 April | April 727,654,000,000.00 721,258,440,000.00 719,066,560,000.00 706,715,600,000.00 Mei | May 696,910,600,000.00 688,760,960,000.00 685,947,960,000.00 673,954,160,000.00 Juni | June 667,890,320,000.00 658,625,040,000.00 664,656,480,000.00 633,140,000,000.00 Juli | July 612,495,760,000.00 631,585,600,000.00 741,217,640,000.00 728,639,160,000.00 Agustus | August 717,530,720,000.00 731,014,080,000.00 731,722,400,000.00 717,095,080,000.00 September | September 701,111,840,000.00 689,427,240,000.00 683,341,800,000.00 662,481,320,000.00 Oktober | October 639,962,040,000.00 638,222,600,000.00 664,340,480,000.00 645,911,200,000.00 Nopember | November 639,687,160,000.00 632,923,000,000.00 629,079,320,000.00 623,153,920,000.00 Desember | December 637,118,360,000.00 631,197,720,000.00 618,249,040,000.00 600,439,960,000.00

c. GWM Valuta Asing

GWM Valas yang wajib dipenuhi yaitu sebesar 8 dari rata-rata DPK Valas sesuai LBBU periode 2 minggu sebelumnya. Pemenuhan GWM Valuta Asing oleh Bank selama tahun 2016 adalah sebagai berikut: Bulan | Month Nominal GWM Valas tahun 2016 Dalam USD | foreign currency GWM Amount 2016 in USD Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 975,569.00 267,847.00 180,032.00 180,112.50 Februari | February 157,928.00 123,917.40 269,288.20 321,560.85 Maret | March 632,475.05 680,585.10 796,097.25 700,277.40 April | April 371,512.05 329,005.50 309,873.55 276,412.65 Mei | May 139,607.20 119,914.90 119,754.80 118,073.75 Juni | June 120,955.55 124,878.00 125,518.40 144,009.50 Juli | July 124,557.80 113,671.00 170,346.40 155,457.10 Agustus | August 135,444.60 113,831.10 270,569.00 674,101.05 September | September 532,652.70 672,179.85 594,691.45 113,190.70 Oktober | October 112,550.30 111,989.95 231,664.70 403,852.25 Nopember | November 410,896.65 391,604.60 590,608.90 392,885.40 Desember | December 391,124.30 390,644.00 396,727.80 394,726.55 Posisi Devisa Neto Nett Open Position PDN NOP BPD Kaltim Tahun 2016 BI mensyaratkan untuk bank dengan status devisa wajib memelihara Posisi Devisa Neto maksimal 20 dari modal bank setiap akhir hari tutup sistem treasury. BPD Kaltim juga menerapkan aturan internal dalam pemeliharaan PDN yaitu sebesar 15 dari modal. Selama tahun 2016, posisi Devisa Neto BPD Kaltim terjaga di bawah batas atau ketentuan maksimal BI dan aturan internal bank. BPD Kaltim juga menerapkan sistem monitoring berbasis IT dalam hal pengawasan PDN yang akan terus disempurnakan. PDN Total BPD Kaltim pada akhir tahun 2016 adalah sebesar 1,70

c. Foreign Currency Statutory Reserves

Foreign Currency Statutory Reserves which must be fulilled is amounted to 8 of the average Foreign Currency Third Party Funds in accordance to regular reports of commercial bank LBBU period of two weeks earlier. Foreign Currency Statutory Reserves fulillment by the Bank during 2016 were as follows: The position of the NOP Net Open Position of BPD Kaltim 2016 BI requires for banks with foreign exchange status must maintain the Net Open Position for a maximum of 20 of bank capital at each end day treasury system closed. BPD Kaltim also adopt internal rules in NOP maintenance amounting to 15 of the capital. During 2016, the net open position of BPD Kaltim maintained below the limit or maximum provision of BI and the internal rules of the bank. BPD Kaltim also implement IT-based monitoring system in terms of Net Open Position supervision which will continue to be reined. NOP total of BPD Kaltim at the end of 2016 is amounted to 1.70. Laporan Tahunan 2016 | BANKALTIM 187 2016 annual report | BANKALTIM Funding Perbankan secara lembaga memiliki fungsi menghimpun dan menyalurkan dana kepada masyarakat yang bertujuan untuk menunjang pelaksanaan pembangunan dalam rangka meningkatkan pertumbuhan ekonomi dan pemerataan pembangunan. Fungsi yang dikenal dengan intermediasi ini telah dijalankan oleh BPD Kaltim dengan konsisten setiap tahunnya. Dana Pihak Ketiga Dana Pihak Ketiga 5 Tahun Terakhir | Third Party Funds in 5 last years 2012 2013 2014 2015 2016 26,165,319.00 21,371,645.00 22,800,074.00 15,741,713.00 14,621,009.00 dalam jutaan rupiah in million rupiah Penurunan DPK turut dirasakan BPD Kaltim selama tahun 2016. Performa di akhir tahun menunjukkan posisi DPK BPD Kaltim menurun sekitar -7,12. Penurunan ini dipengaruhi oleh penurunan DPK Swasta yang nilanya menurun sekitar -12,03. Cabang Balikpapan, Cabang Tanjung Redeb, Cabang Tanjung Selor, Cabang Sangatta, Cabang Tideng Pale, dan Cabang Bontang merupakan kantor-kantor yang mengalami penurunan terbesar dalam hal DPK yang melebihi -15. Hal ini bisa dilihat dari graik di bawah ini. Meskipun demikian, terdapat pula beberapa Cabang yang mengalami peningkatan DPK yaitu Cabang Tana Paser sebesar 42,91 yoy serta Cabang Penajam, Cabang Sendawar, dan Cabang Samarinda dengan nilai kenaikan berturut-turut 11,56 yoy, 9,41 yoy dan 7,49 yoy. Funding Banking as institutions have a function to collect and distribute funds to communities which aims to support the implementation of the development in order to boost growth of economic and equitable development. Function which known as intermediation has been run by BPD Kaltim consistently every year. Third Party Funds The decline in Third Party Funds also felt by BPD Kaltim during 2016. The performance at the end of the year shows the position of BPD Kaltim Third Party Funds declined by about -7.12. This decline was inluenced by the decline in private Third Party Funds whose value declined about -12.03. Balikpapan branch, Tanjung Redeb branch, Tanjung Selor branch, Sangatta branch, Tideng Pale branch, and Bontang branch is the oices who experienced the largest decline in terms of third-party funds which exceed -15. This can be seen from the graph below. However, there are also some branches that have increased in third-party funds namely Tana Paser Branch by 42.91 yoy as well as the Penajam branch, Sendawar branch, and Samarinda branch with value increase by respectively 11.56 yoy, 9.41 yoy and 7.49 yoy. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 188 Komposisi DPK Cabang terhadap Konsolidasi | DPK Branch Composition on Consolidation SMD TN. PASER BPN TGR TRK TJ. REDEB TJ. SELOR BTG NNK SGT SDR MLN PNJ TD. PALE JKT SY SMD SY BPN 2015 21.17 3.34 7.32 8.12 4.07 8.76 8.66 3.89 2.66 4.57 6.05 3.18 1.86 3.58 6.59 4.88 1.31 2016 24.51 5.14 6.55 7.71 4.55 7.72 5.48 3.40 2.54 4.18 7.13 3.11 2.23 2.50 7.39 4.53 1.32 Jika dilihat berdasarkan jenis simpanan, giro merupakan bentuk simpanan yang paling jelas mengalami penurunan. Tidak jauh berbeda dengan catatan penurunan DPK giro regional Kalimantan Timur yang pertumbuhannya mengalami perlambatan, giro BPD Kaltim juga merasakan penurunan cukup besar dengan hanya berhasil membukukan nilai Rp 4,819,654,- juta secara konsolidasi di akhir tahun 2016. Nilai ini menurun sebesar -11,70 dari pencapaian Giro BPD Kaltim pada tahun 2015. Adapun Kendala yang dihadapi dalam pencapaian Giro adalah sebagai berikut : When it viewed by the types of deposits, current accounts is the most obvious form of deposits that decreased. Not much diferent from a record of decline in Third Party Funds of East Kalimantan regional current account which growth is experienced a slowdown, BPD Kaltim current account also experienced a considerable decline with just managed to book value of IDR 4,819,654 million on a consolidated basis at the end of 2016. This value is decreased by -11.70 of BPD Kaltim Current Account attainment in 2015. Obstacles encountered in the Current Account achievement is as follows: DPK BPD Kaltim Berdasarkan Produk | DPK BPD Kaltim Based on Products dalam jutaan rupiah in million rupiah 2015 5,458,593.92 6,134,321.53 4,111,661.55 2016 4,819,653.83 5,622,973.17 4,136,287.82 10,000,000.00 5,000,000.00 - GIRO | CURRENT ACCOUNT TABUNGAN | SAVING DEPOSITO | DEPOSITS