Perkembangan Suku Bunga Perbankan selama tahun 2016

Laporan Tahunan 2016 | BANKALTIM 185 2016 annual report | BANKALTIM Sementara, perhitungan GWM Primer Rupiah yang diberlakukan di BPD Kaltim sesuai SK Direksi No.032SKBPD-PSTII2011 tentang Pedoman dan Ketentuan Pemenuhan GWM Dalam Rupiah BPD Kaltim yaitu ditambahkan sebesar 0,005 di atas persentase GWM yang ditetapkan BI. Penambahan ini dilakukan untuk mengantisipasi pelanggaran atau terjadinya kekurangan dalam pemenuhan GWM Primer. Pemenuhan GWM Primer dan LFR oleh Bank selama tahun 2016 adalah sebagai berikut: Bulan | Month Nominal GWM Primer dan LDR LFR Rupiah | Primary GWM and LDR LFR Amount IDR Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 1,421,471,916,600.00 1,370,881,312,000.00 1,266,847,077,050.00 1,320,167,700,450.00 Februari | February 1,389,226,383,900.00 1,485,492,943,850.00 1,498,957,514,250.00 1,468,842,651,050.00 Maret | March 1,441,843,488,600.00 1,427,952,108,850.00 1,244,529,444,500.00 1,212,664,376,750.00 April | April 1,183,347,317,500.00 1,172,946,538,050.00 1,169,381,993,200.00 1,149,296,244,500.00 Mei | May 1,133,350,863,250.00 1,120,097,511,200.00 1,115,522,869,950.00 1,096,017,952,700.00 Juni | June 1,086,156,632,900.00 1,071,088,971,300.00 1,080,897,600,600.00 1,029,643,925,000.00 Juli | July 996,071,229,700.00 1,027,116,082,000.00 1,205,405,187,050.00 1,184,949,433,950.00 Agustus | August 1,166,884,333,400.00 1,188,811,647,600.00 1,189,963,553,000.00 1,166,175,873,850.00 September | September 1,140,183,129,800.00 1,121,181,049,050.00 1,111,284,602,250.00 1,077,360,246,650.00 Oktober | October 1,040,738,267,550.00 1,037,909,503,250.00 1,080,383,705,600.00 1,050,413,089,000.00 Nopember | November 1,040,291,243,950.00 1,029,291,028,750.00 1,023,040,244,150.00 1,013,404,062,400.00 Desember | December 1,036,113,732,950.00 1,026,485,292,150.00 1,005,427,501,300.00 976,465,484,950.00

b. GWM Sekunder

GWM sekunder yang wajib dipenuhi yaitu sebesar 4 dari rata-rata DPK Rupiah sesuai LBBU periode 2 minggu sebelumnya. Pemenuhan atas GWM Sekunder yang dilakukan oleh BPD Kaltim adalah dalam bentuk SBI, SDBI, SUN dan RR SUN dan atau dilakukan Excess Reserve Tunai sesuai dengan persentase yang ditetapkan oleh Bank Indonesia bila pemenuhan dalam surat berharga tidak mencapai persentase yang ditetapkan. Namun, sepanjang tahun 2016 pemenuhan GWM sekunder melalui Excess Reserve tunai tidak pernah dilakukan. Pemenuhan GWM Sekunder oleh Bank selama tahun 2016 adalah sebagai berikut: Meanwhile, the calculation of IDR Primary GWM enforced in BPD Kaltim according to SK Directors No.032SKBPD-PSTII2011 on BPD Kaltim Fulillment Guidelines and Conditions of GWM in IDR which added 0,005 above the GWM percentage set by BI. The addition is done to anticipate the violations or shortages in primary GWM fulillment. Fulillment of Primary GWM and LFR by the Bank during 2016 were as follows:

b. Secondary Statutory Reserves

Secondary GWM that must be met is equal to 4 of the average IDR TPF according to LBBU period of two weeks earlier. Fulillment of the Secondary Statutory Reserves carried by BPD Kaltim is in SBI, SDBI, SUN and RR SUN and or carried of Excess Reserve Cash in accordance with the percentageset by Bank Indonesia if the fulillment of the securities does not reach the percentage set. However, throughout 2016, the fulillment of secondary reserves through Excess Reserve cash never done. Fulillment of secondary reserve by the Bank during 2016 were as follows: