50.45 73.80 Laporan Tahunan Annual Report 2012
Manajemen • Management’s
Discussion, Analysist and Report
Perusahaan • Good Corporate
Governance Review and Report
• Corporate Social Responsibility
Tabel Perkembangan Data dan Ratio Keuangan Bank Aceh Table of General Data and Financial Ratios Progress of Bank Aceh
KETERANGAN 2012
Rp.Jutaan Rp.Million
2011
Rp.Jutaan Rp.Million
2010
Rp.Jutaan Rp.Million
2009
Rp.Jutaan Rp.Million
2008
Rp.Jutaan Rp.Million
REMARK A. DATA KEUANGAN
A. FINANCIAL DATA 1. VOLUME USAHA
13.487.270 13.055.398 12.210.215
13.035.072 13.695.615
1. ASSET 2. LABA SEBELUM
PAJAK
476.718 351.573
213.819 383.695
352.273 2. PROFIT BEFORE TAX
3. DANA PIHAK KETIGA
- Giro - Tabungan
- Deposito
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
11.579.339 6.559.096
2.058.082 2.962.161
3. DEPOSITS - Demand Deposits
- Saving Deposits - Time deposits
4. PENGGUNAAN DANA
- SBI dan FASBI
- Kredit - Penempatan
- Pembelian Surat
Berharga - Penyertaan
- Garansi yang diberikan
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
13.036.285 4.080.000
4.521.711 1.295.763
2.422.670
130 716.011
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
1.584.667
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
1.077.873
500.000 228.523
242.850 106.500
5. EQUITY - Paid in Capital
- Borrowed Capital - Retained Earning
- Reserve Laporan T
ahunan
Bank Aceh
- Annual Report
2012
26
• Bank Aceh Syaria Business Unit
• Subsidiaries and Affiliated Company
B. RASIO-RASIO KEUANGAN
B. FINANCIAL RATIOS 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 17,82
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 26,57
20,28 0,41
1,17 0,21
0,87
3,09 31,84
7,67 70,57
39,05
5,83 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 a. Affiliated Parties
b. Non-Affiliated Parties 13. Legal Lending Limit
Excess a. Affiliated Parties
b. Non-Affiliated Parties 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
6. Office Channeling Syariah
7. Payment Point
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
1 1
20
18 2
66
60 6
- 2
1. Head Office 2. Main Branch Office
3. Branch Office - Conventional
- Syariah 4. Sub Branch Office
- Conventional - Syariah
5. Cash Office 6. Syaria Office Channel
7. Payment Point D. ATM
85 81
81 76
55
D. AUTOMATED TELLER MACHINES
E. JUMLAH PEGAWAI 1.513
1.559 1.585
1.560 1.352
E. TOTAL OF EMPLOYEES Angka-angka pada seluruh tabel dan grafik menggunakan notasi Indonesia
– Numerical notations in all tables and graphics are in Indonesia
Ikhtisar Keuangan Financial Highlights
Laporan T ahunan
Bank Aceh
- Annual Report
2012
27
Manajemen • Management’s
Discussion, Analysist and Report
Perusahaan • Good Corporate
Governance Review and Report
• Corporate Social Responsibility
Perkembangan Asset Progress of Business Volume
Perkembangan Setoran Modal Progress of Paid in Capital
Total Modal Pemerintah Aceh
Pemerintah Kabupaten Kota Pemerintah Pusat
Grafik Perkembangan Data Keuangan Bank Aceh Graphic of General Data Progress of Bank Aceh
Perkembangan Tabungan Progress of Saving Deposit
Perkembangan Dana Masyarakat Progress of Fund Raising
Perkembangan Giro Progress of demand deposit
Perkembangan Deposito Progress of time deposit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Laporan T ahunan
Bank Aceh
- Annual Report
2012
28
• Bank Aceh Syaria Business Unit
• Subsidiaries and Affiliated Company
Perkembangan Kredit Progress of granted loan
Perkembangan CAR Progress of CAR
Perkembangan NPL Progress of NPL Gross
2008 2008
2009 2009
2010 2010
2011 2011
2012 2012
1.17 1.69
7.02