Laporan Laba Rugi Rp miliar
1H12 1H13
YoY 1Q12
2Q13 QoQ
Pendapatan Bunga 3,364
3,931 16.8
1,889 2,042
8.1
Beban Bunga 1,561
1,536 -1.6
735 801
9.1
Pendapatan Bunga Bersih
1,804 2,395
32.8 1,154
1,241 7.5
Fee Based Income 122
141 15.8
64 78
21.2
Beban Operasional 976
1,372 40.5
655 717
9.4
Laba Rugi dalam Instrumen Keuangan
6 9
54.3 1
10 -
PPOP 955
1,174 22.9
562 611
8.7 Beban CKPN
148 232
56.3 94
138 46.0
Pendapatan Non Operasional
2 1
-126.2 -
1 -
Laba Sebelum Pajak 804
942 17.2
468 474
1.3 Beban Pajak
204 195
-4.5 96
99 2.3
Laba Bersih 600
747 24.5
372 376
1.1
8
9
Ringkasan Neraca Rp miliar
2Q12 3Q12
4Q12 1Q13
2Q13 YoY
Kas atau Setara Kas
1,482 1,380
1,795 1,570
1,684 13.6
Giro pada Bank Indonesia
4,828 4,279
4,666 3,659
4,127 -14.5
Cadangan Sekunder
19,996 25,047
24,075 19,887
19,926 -0.4
Kredit-net 30,701
32,142 34,769
37,198 41,046
33.7
Pembiayaan Syariah- net
2,012 2,391
2,880 2,965
3,295 63.8
Aktiva Tetap-net 550
520 735
1,002 1,010
83.5
Aktiva Lain-lain 1,686
1,949 1,921
2,126 2,333
38.4
Total Aktiva 61,255
67,708 70,841
68,407 73,421
19.9
Total DPK 49,799
52,724 50,608
48,638 55,060
10.6
Surat Berharga yang Diterbitkan
2,744 2,395
2,395 2,395
2,396 -12.7
Pinjaman Diterima 2,151
5,581 8,980
9,036 8,167
279.7
Lainnya 1,166
1,266 2,849
2,625 1,711
46.7
Total Kewajiban 55,860
61,966 64,832
62,694 67,334
20.5 Total Ekuitas
5,395 5,742
6,009 5,713
6,087 12.8
15.1 15.7 15.4 16.0 16.7
18.0 18.5 19.2 19.7
21.4 21.8 22.6
24.5 26.7
1.0 1.3 2.0
2.4 2.5
2.7 2.9
3.0 3.1
3.6 4.1
4.5 5.1
5.5
2.9 3.3 3.5
3.7 3.7
4.2 4.6
4.4 4.3
5.3 5.6
6.3 5.8
6.5
0.1 0.1 0.1
0.1 0.1
0.1 0.2 0.5
0.7 0.9
1.2 1.7
2.3 2.9
5 10
15 20
25 30
35 40
45
R p
t r
Consumer Micro
Commercial Mortgage
Segmen Rp miliar
2Q ‘12
2Q ’13
YoY
Konsumer 21,356
26,740 25.2
Mikro 3,630
5,515 51.9
Komersial 5,308
6,479 22.1
KPR 941
2,916 209.8
Total Kredit Gross
31,236 41,651
33.3
Mata Uang Rp miliar
2Q ‘12
2Q ’13
YoY
Rupiah 30,928
41,426 33.9
Valas 308
225 -26.9
10
14.6 15.3
14.92 15.5
16.3 17.5
18.0 18.6
19.2 20.8
21.2 21.8
23.4 25.3
0.45 0.45
0.43 0.44
0.45 0.47
0.50 0.54
0.56 0.60
0.63 0.80
1.11 1.46
0.0 0.1
0.2 0.3
0.4 0.5
0.6 0.7
0.8 0.9
1.0
5 10
15 20
25 30
R p
tr Civil Servant Loans LHS
Pensioner Loans LHS NPL RHS
Indikator Utama 2Q
‘12 2Q
’13 YoY
Outstanding 21,356
26,740 25.2
Ekspansi Neto Rp miliar
2,188 4,114
88.0 Rata-rata
Outstanding per Debitur
Rp miliar 60
78 29.6
Jumlah Debitur 355,575
343,597 -3.4
Tingkat Suku Bunga
15.00-18.48 eff. p.a
Kualitas Kredit 2Q
‘12 2Q
’13 YoY
Dalam Perhatian Khusus
0.18 0.23
0.06 NPL
0.10 0.11
0.01
11
0.6 0.7 1.0
1.0 1.0 1.1 1.2 1.2
1.4 1.9
2.3 2.7
3.2 3.6
0.0 0.1
0.3 0.7
0.9 1.0
1.1 1.1 1.1
1.1 1.1
1.2 1.2
1.3
0.4 0.5
0.7 0.7
0.7 0.7
0.7 0.6 0.6
0.6 0.7
0.6 0.6
0.7
0.0 1.0
2.0 3.0
4.0 5.0
6.0 7.0
8.0 9.0
10.0
- 1.0
2.0 3.0
4.0 5.0
6.0
R p
t r
KMU LHS Govt Program LHS
KCR LHS NPL RHS
Indikator Utama 2Q
‘12 2Q
’13 YoY
Outstanding 3,630
5,515 51.9
Ekspansi Neto Rp miliar
655 970
48.1 Rata-rata
Outstanding per Debitur
Rp miliar 50
58 15.7
Jumlah Debitur 72,325
95,007 31.4
Tingkat Suku Bunga
11.0 - 27.5 eff. p.a.
Kualitas Kredit 2Q
‘12 2Q
’13 YoY
Dalam Perhatian Khusus
9.5 18.1
8.6 NPL
3.8 6.9
3.1
Kredit Mikro Utama
12
1.9 2.3
2.5 2.6 2.6 3.0
3.3 3.2
3.0 3.9
4.3 4.5
3.9 4.3
0.5 0.5
0.5 0.6 0.6
0.6 0.6
0.6 0.6
0.5 0.6
1.0 1.2
1.3
0.5 0.5
0.5 0.5 0.5
0.6 0.6
0.6 0.8
0.8 0.7
0.8 0.8
0.9
- 1.0
2.0 3.0
4.0 5.0
6.0 7.0
8.0 9.0
10.0 11.0
12.0 13.0
14.0 15.0
- 1.0
2.0 3.0
4.0 5.0
6.0 7.0
R p
t r
Working Capital LHS Investment LHS
Syndicated LHS NPL RHS
Indikator Utama 2Q
‘12 2Q
’13 YoY
Outstanding 5,308
6,479 22.1
Ekspansi Neto Rp miliar
906 143
-84.2
Rata-rata Outstanding per
Debitur Rp miliar
468 650
38.9
Jumlah Debitur 11,351
9,975 -12.1
Tingkat Suku Bunga
6.3 -14.5 eff. p.a
Kualitas Kredit 2Q
‘12 2Q
’13 YoY
Dalam Perhatian Khusus
6.9 4.7
-2.2 NPL
5.2 7.2
2.0
13
72 80 78 91 108 140
195 453
663 941
1,215 1,721
2,287 2,916
- 1.0
2.0 3.0
4.0 5.0
6.0 7.0
8.0 9.0
10.0 11.0
12.0 13.0
14.0 15.0
- 500
1,000 1,500
2,000 2,500
3,000 3,500
R p
b n
Mortgage Loans LHS NPL RHS
Indikator Utama 2Q
‘12 2Q
’13 YoY
Outstanding 941
2,916 209.8
Ekspansi Neto Rp miliar
489 1,195
144.5
Rata-rata Outstanding per
Debitur Rp miliar
238 275
15.2
Jumlah Debitur 3,951
10,620 168.8
Tingkat Suku Bunga 7.25 - 13.75 eff. p.a.
Kualitas Kredit 2Q
‘12 2Q
’13 YoY
Dalam Perhatian Khusus
6.4 8.7
2.3 NPL
0.5 3.0
2.5
14
9.2 10.7 10.3
7.5 10.0 10.0 10.8 11.0
12.0 11.7 15.7 14.5 15.5
17.4 3.2
3.4 3.5 4.7
3.8 4.0 4.4
6.0 5.0 6.0
6.3 8.7 7.1 7.6
15.6 17.9 19.2
18.9 19.1
20.9 23.5 20.0
32.4 30.0 28.5
24.3 22.6
26.6
10 20
30 40
50 60
R p
t r
Current Account Savings Account
Time Deposit
Detail DPK bank
Detail DPK Rp miliar
2Q ’12
2Q ’13
YoY
Giro 11,708
17,387 48.5
Tabungan 6,006
7,608 26.7
Deposito 29,986
26,574 -11.4
TOTAL 47,700
51,569 8.1
Rasio CASA 37.1
48.5 11.3
Mata Uang Rp miliar
2Q ‘12
2Q ’13
YoY
Rupiah 47,476
51,223 7.9
Valas 224
346 54.5
15
2.0 1.8
1.9 1.8 2.2 2.3
2.6
1.2 1.2 1.4
1.7 2.1 2.1
2.3
0.4 0.2 0.2 0.3
0.5 0.7 0.8
0.4 0.2
0.6 0.5 0.5 0.7 0.6
- 0.5
1.0 1.5
2.0 2.5
3.0 Gross NPL
Net NPL 551
527 593
575 701 699
754
508 480
534 648
603 621
786
373 368 403 406
516 587
679
324 334
441 557
728 796
962
20 40
60 80
100 120
140 160
180
- 200
400 600
800 1,000
1,200
R p
b n
Credit Provision LHS Absolute NPL LHS
Coverage Ratio RHS
Gross NPL Bank
2Q ‘12
2Q ’13
YoY Write Off
Rp bn Konsumer
0.10 0.11
0.01 2
Mikro 3.8
6.9 3.1
79
Komersial 5.2
7.2 2.0
63
KPR 0.5
3.0 2.5
-
Total 1.4
2.3 0.90
