II.30.

SUKU BUNGA KREDIT RUPIAH MENURUT KELOMPOK BANK 1)

(Persen Per Tahun)

1990 1991 1992 1993 1994 1995

Kelompok Bank
Dec Dec Dec Dec Dec Dec

1 Bank Persero - Modal Kerja 21.2 25.1 21.2 18.2 15.5 17.2
2 Bank Persero - Investasi 20.3 19.3 17.9 15.2 14.1 14.8
3 Bank Persero - Konsumsi - - - - - -
4 Bank Pemerintah Daerah - Modal Kerja 22.0 23.2 24.0 22.8 20.8 20.8
5 Bank Pemerintah Daerah - Investasi 19.0 19.1 19.2 18.1 16.6 15.9
6 Bank Pemerintah Daerah - Konsumsi - - - - - -
7 Bank Swasta Nasional - Modal Kerja 25.5 25.1 23.1 19.4 18.6 20.5
8 Bank Swasta Nasional - Investasi 20.5 19.3 21.6 19.0 17.9 20.1
9 Bank Swasta Nasional - Konsumsi - - - - - -
10 Bank Asing dan Bank Campuran - Modal Kerja 22.8 23.7 19.3 14.7 15.9 18.2
11 Bank Asing dan Bank Campuran - Investasi 23.4 23.2 20.9 19.5 16.8 19.1
12 Bank Asing dan Bank Campuran - Konsumsi - - - - - -
13 Bank Umum - Modal Kerja - - - 18.7 17.8 19.3
14 Bank Umum - Investasi - - - 15.8 14.9 16.1
15 Bank Umum - Konsumsi - - - - - -

Statistik Ekonomi Keuangan Indonesia 46 Bank Indonesia

Indonesian Financial Statistics
 I.31 INTEREST RATE OF RUPIAH LOANS BY GROUP OF BANKS
(Percent Per Annum)

1996 1997 1998 1999 2000 2001 2002 2003

Group of Banks
Dec Dec Dec Dec Dec Dec Dec Dec

16.9 18.5 25.1 26.2 19.9 19.2 18.9 16.2 Rupiah

15.0 15.4 19.4 21.0 16.4 17.1 17.5 15.5
- - - - - 16.4 16.8 16.0
20.5 21.5 27.8 24.1 20.5 20.5 19.9 19.1
15.3 15.3 16.0 14.9 16.2 17.8 17.9 17.2
- - - - - 17.7 17.4 16.8 Foreign Currency
20.2 23.7 36.4 32.6 17.8 19.2 18.2 14.7
19.7 22.0 36.1 32.9 18.0 19.0 18.3 15.8
- - - - - 21.6 21.7 18.8
17.1 20.7 43.3 29.6 16.0 19.1 15.7 11.0
19.6 21.0 34.9 34.1 15.6 18.6 16.1 12.6 Rupiah and Foreign Currency
- - - - - 32.9 34.6 34.5
19.0 22.0 32.3 28.9 18.4 19.2 18.3 15.1
16.4 17.3 23.2 22.9 16.6 17.9 17.8 15.7
- - - - - 19.9 20.2 18.7

Statistik Ekonomi Keuangan Indonesia 47 Bank Indonesia

Indonesian Financial Statistics
Group of Banks

Rupiah 1
State Banks 2
Regional Government Banks 3
Private Nasional Banks 4
Foreign Banks and Joint Banks 5
Foreign Currency 6
State Banks 7
Regional Government Banks 8
Private Nasional Banks 9
Foreign Banks and Joint Banks 10
Rupiah and Foreign Currency 11
State Banks 12
Regional Government Banks 13
Private Nasional Banks 14
Foreign Banks and Joint Banks 15

Statistik Ekonomi Keuangan Indonesia 48 Bank Indonesia

Indonesian Financial Statistics
 I.31 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN MENURUT KELOMPOK BANK 1)
(Persen Per Tahun)

1999 2000 2001 2002 2003 2004 2005

Kelompok Bank dan Jenis Pinjaman
Dec Dec Dec Dec Dec Dec Dec

1-Dec 1-Dec 1-Dec 1-Dec 1-Dec 1-Dec 1-Dec

1 Bank Persero - - - - - - -

2 Pinjaman Modal Kerja Yang Diberikan 26.22 19.85 19.15 18.85 16.18 14.32 15.71

3 Pinjaman Investasi Yang Diberikan 20.97 16.35 17.11 17.50 15.54 14.10 14.98

4 Pinjaman Konsumsi Yang Diberikan - - 16.43 16.80 16.04 14.62 15.23

5 Bank Pemerintah Daerah - - - - - - -

6 Pinjaman Modal Kerja Yang Diberikan 24.08 20.53 20.48 19.93 19.08 17.54 16.85

7 Pinjaman Investasi Yang Diberikan 14.86 16.23 17.76 17.89 17.20 16.24 15.51

8 Pinjaman Konsumsi Yang Diberikan - - 17.72 17.40 16.82 15.10 14.19

9 Bank Swasta Nasional - - - - - - -

10 Pinjaman Modal Kerja Yang Diberikan 32.58 17.76 19.16 18.21 14.66 13.13 16.95

11 Pinjaman Investasi Yang Diberikan 32.93 18.04 19.02 18.30 15.75 13.91 16.23

12 Pinjaman Konsumsi Yang Diberikan - - 21.55 21.67 18.80 15.93 16.06

13 Bank Asing dan Bank Campuran - - - - - - -

14 Pinjaman Modal Kerja Yang Diberikan 29.59 15.95 19.09 15.71 11.02 9.33 14.50

15 Pinjaman Investasi Yang Diberikan 34.12 15.62 18.55 16.09 12.60 11.44 15.55

16 Pinjaman Konsumsi Yang Diberikan - - 32.91 34.61 34.50 32.90 32.01

17 Bank Umum - - - - - - -

18 Pinjaman Modal Kerja Yang Diberikan 28.89 18.43 19.19 18.25 15.07 13.41 16.23

19 Pinjaman Investasi Yang Diberikan 22.93 16.59 17.90 17.82 15.68 14.05 15.66

20 Pinjaman Konsumsi Yang Diberikan - - 19.85 20.21 18.69 16.57 16.83

Statistik Ekonomi Keuangan Indonesia 86 Bank Indonesia

Indonesian Financial Statistics
 I.31 INTEREST RATE OF RUPIAH LOANS BY G
(Percent Per Annum)

12 13 14 15 16 17 18 19
2006 2007 2008 2009

Dec Dec Dec Jan Feb Mar Apr May Jun Jul

1-Dec 1-Dec 1-Dec 1-Jan 1-Feb 1-Mar 1-Apr 1-May 1-Jun 1-Jul

- - - - - - - - - -

15.36 13.47 14.61 14.59 14.48 14.45 14.38 14.28 14.16 14.17

14.98 12.93 13.85 13.83 13.66 13.55 13.51 13.39 13.28 13.18

15.26 14.03 13.84 13.90 13.91 13.92 13.92 13.91 14.06 14.02

- - - - - - - - - -

16.60 15.33 14.43 14.44 14.32 14.29 14.21 14.16 14.16 14.16

15.28 14.61 13.52 13.55 13.48 13.32 13.29 13.25 13.20 13.13

14.16 13.82 14.06 14.07 14.10 14.12 14.17 14.22 14.23 14.23

- - - - - - - - - -

15.41 12.96 15.90 15.99 15.84 15.69 15.48 15.32 15.15 15.07

15.42 13.11 14.85 14.83 14.72 14.52 14.58 14.52 14.33 14.14

17.20 14.69 15.91 15.95 16.19 16.27 16.48 16.61 16.66 16.77

- - - - - - - - - -

11.42 10.23 14.58 14.46 14.14 14.11 13.73 13.45 13.27 12.90

13.21 10.56 15.00 14.95 14.75 14.40 14.24 13.74 13.53 12.74

35.74 36.24 35.32 35.41 35.39 34.99 34.76 35.09 35.23 35.39

- - - - - - - - - -

15.07 13.00 15.22 15.23 15.08 14.99 14.82 14.68 14.52 14.45

15.10 13.01 14.40 14.37 14.23 14.05 14.05 13.94 13.78 13.58

17.58 16.13 16.40 16.45 16.53 16.46 16.48 16.57 16.63 16.66

Statistik Ekonomi Keuangan Indonesia 87 Bank Indonesia

Indonesian Financial Statistics
UPIAH LOANS BY GROUP OF BANKS
ent Per Annum)

20
2009
Group of Banks and Type of Loans
Aug Sep Oct Nov Dec

1-Aug 1-Sep 1-Oct 1-Nov 1-Dec

###

- - - - - State Banks 1

14.08 14.03 14.00 13.90 13.63 Working Capital Loans 2

13.21 12.78 12.66 12.58 12.56 Investment Loans 3

14.00 13.98 13.92 13.90 13.88 Consumer Loans 4

- - - - - Regional Government Banks 5

14.14 14.10 14.07 14.02 13.91 Working Capital Loans 6

12.81 12.76 12.66 12.59 12.54 Investment Loans 7

14.25 14.25 14.24 14.22 14.17 Consumer Loans 8

- - - - - Private National Banks 9

14.89 14.67 14.56 14.38 14.09 Working Capital Loans 10

13.94 13.80 13.70 13.62 13.51 Investment Loans 11

16.71 16.82 16.62 16.58 16.22 Consumer Loans 12

- - - - - Foreign Banks and Joint Banks 13

12.57 12.34 12.20 12.17 11.73 Working Capital Loans 14

12.58 12.27 12.51 12.34 12.22 Investment Loans 15

35.37 35.28 35.24 34.97 35.59 Consumer Loans 16

- - - - - Commercial Banks 17

14.30 14.17 14.09 13.96 13.69 Working Capital Loans 18

13.48 13.20 13.12 13.03 12.96 Investment Loans 19

16.62 16.67 16.53 16.47 16.42 Consumer Loans 20

Statistik Ekonomi Keuangan Indonesia 88 Bank Indonesia

Indonesian Financial Statistics
I.26 SUKU BUNGA PINJAMAN RUPIAH YANG DIBERIKAN
MENURUT
(Persen PerKELOMPOK
Tahun) BANK
I.26 INTEREST RATE OF RUPIAH LOANS BY GROUP OF
BANKS
(Percent Per Annum)

2010 2011 2012 2013 2014

KELOMPOK BANK DAN JENIS PINJAMAN

1 Bank Persero 0 0 0 0 0

2 Pinjaman Modal Kerja Yang Diberikan 13.06 12.37 11.7 11.94 12.5

3 Pinjaman Investasi Yang Diberikan 10.81 10.39 10.08 10.84 11.47

4 Pinjaman Konsumsi Yang Diberikan 13.05 12.91 12.34 11.88 12.56

5 Bank Pemerintah Daerah 0 0 0 0 0

6 Pinjaman Modal Kerja Yang Diberikan 13.57 13.52 13.66 13.37 13.63

7 Pinjaman Investasi Yang Diberikan 12.44 12.4 12.25 12.23 12.38

8 Pinjaman Konsumsi Yang Diberikan 14.1 13.91 13.78 13.34 13.43

9 Bank Swasta Nasional 0 0 0 0 0

10 Pinjaman Modal Kerja Yang Diberikan 13.02 12.34 11.68 12.55 13.36

11 Pinjaman Investasi Yang Diberikan 13.2 12.64 11.88 12.51 13.11

12 Pinjaman Konsumsi Yang Diberikan 14.05 13.58 12.98 12.91 13.39

13 Bank Asing dan Bank Campuran 0 0 0 0 0

14 Pinjaman Modal Kerja Yang Diberikan 10.23 8.71 7.9 9.84 10.49

15 Pinjaman Investasi Yang Diberikan 11.82 14.89 9.47 10.71 10.93

16 Pinjaman Konsumsi Yang Diberikan 31.66 30.73 30.92 27.36 28.41

17 Bank Umum 0 0 0 0 0

18 Pinjaman Modal Kerja Yang Diberikan 12.83 12.16 11.49 12.12 12.79

19 Pinjaman Investasi Yang Diberikan 12.28 12.04 11.27 11.82 12.36

20 Pinjaman Konsumsi Yang Diberikan 14.53 14.15 13.58 13.13 13.58

Sejak periode data Agustus 2017, terdapat Perubahan cakupan Bank Swasta Nasional dan
Pemerintah akibat adanya perubahan status pada salah satu bank

Since the data period of August 2017, there is a change of coverage of National Private Bank and
Government Bank due to status change for one of the banks
2015
Jan Feb Mar Apr May Jun Jul Aug Sep Oct
0 - - - - - - - - - -

12.3 12.26 12.16 12.05 11.83 11.68 11.52 11.44 11.36 11.19 11.15

11.35 11.34 11.27 11.18 11.04 10.99 10.89 10.84 10.81 10.72 10.71

13.08 13.17 13.21 13.2 13.24 13.28 13.22 13.22 13.21 13.18 13.13

0 - - - - - - - - - -

13.5 13.46 13.22 13.14 13.12 12.62 12.8 12.78 12.75 12.76 12.69

12.19 12.18 12.17 12.16 12.09 11.81 11.77 11.63 11.61 11.76 11.6

13.49 13.5 13.5 13.5 13.46 13.2 13.24 13.23 13.19 13.17 13.15

0 - - - - - - - - - -

12.82 12.88 12.88 12.81 12.73 12.58 12.43 12.4 12.38 12.31 12.31

12.77 12.48 12.49 12.4 12.32 12.18 12.08 12.04 12.02 11.97 11.98

13.66 13.7 13.65 13.61 13.59 13.58 13.57 13.56 13.42 13.4 13.38

0 - - - - - - - - - -

10.79 10.71 10.51 10.06 9.9 9.75 9.64 9.61 9.44 9.35 9.27

11.25 11.25 11.12 10.83 10.52 10.34 10.28 10.35 10.37 10.29 10.16

28.93 28.94 28.93 29.23 29.26 29.25 29.36 29.15 28.69 28.76 28.63

0 - - - - - - - - - -

12.46 12.46 12.4 12.28 12.14 11.97 11.82 11.78 11.73 11.61 11.59

12.12 11.96 11.93 11.83 11.71 11.6 11.49 11.45 11.42 11.36 11.34

13.88 13.94 13.93 13.91 13.91 13.86 13.83 13.82 13.74 13.72 13.68
 2016
Nov Dec Jan Feb Mar Apr May Jun Jul Aug
- - 0 - - - - - - - -

11.09 10.86 10.86 10.89 10.86 10.78 10.89 10.87 10.81 10.82 10.81

10.63 10.43 10.43 10.45 10.4 10.36 10.55 10.48 10.48 10.46 10.45

13.09 13.04 13.04 13.06 13.04 12.97 13.05 12.87 12.78 12.77 12.72

- - 0 - - - - - - - -

12.65 12.59 12.59 12.48 12.32 12.17 12.14 12.32 11.97 12 12.02

11.42 11.49 11.49 11.46 11.48 11.47 11.42 10.43 10.51 11.35 11.31

13.12 13.11 13.11 13.1 13.1 13.06 13.04 13.01 12.98 12.96 12.94

- - 0 - - - - - - - -

12.22 12.1 12.1 12.07 11.96 11.91 11.82 11.73 11.7 11.6 11.62

12.05 11.94 11.94 11.88 11.78 11.74 11.65 11.52 11.58 11.48 11.37

13.35 13.28 13.28 13.24 13.2 13.1 13.2 13.12 12.95 12.83 12.61

- - 0 - - - - - - - -

9.21 9.21 9.21 9.04 8.95 8.88 8.74 8.66 8.77 8.61 8.48

10.12 10.32 10.32 10.03 9.91 9.83 9.82 9.85 9.91 9.87 9.82

28.51 28.45 28.45 28.19 28.03 27.85 27.85 27.86 25.58 25.3 25.13

- - 0 - - - - - - - -

11.52 11.36 11.36 11.34 11.26 11.19 11.2 11.15 11.12 11.07 11.07

11.33 11.21 11.21 11.17 11.1 11.05 11.1 10.96 11 10.97 10.91

13.65 13.59 13.59 13.58 13.56 13.48 13.48 13.37 13.21 13.14 13.03
 2017
Sep Oct Nov Dec Jan Feb Mar Apr May Jun
- - - - - - - - - -

10.77 10.76 10.69 10.54 10.66 10.66 10.53 10.45 10.4 10.36

10.42 10.38 10.34 10.29 10.26 10.22 10.17 10.02 10.01 10.06

12.67 12.61 12.53 12.35 12.35 12.27 12.13 12.07 12.01 12

- - - - - - - - - -

12.11 12 11.95 11.74 11.6 11.56 11.54 11.48 11.5 11.52

11.63 11.54 11.5 11.39 11.58 11.23 11.32 11.3 11.25 11.25

12.93 12.88 12.83 12.77 12.77 12.75 12.67 12.63 12.59 12.56

- - - - - - - - - -

11.5 11.44 11.34 11.12 11.12 11.06 10.99 10.94 10.9 10.88

11.23 11.2 11.03 10.89 10.81 10.72 10.69 10.65 10.63 10.67

12.53 12.41 12.24 12.17 12.13 12.06 11.95 11.9 11.84 11.79

- - - - - - - - - -

8.27 8.05 7.97 7.83 7.83 7.77 7.71 7.77 8.03 8.29

9.5 9.12 8.95 8.84 8.75 8.67 8.58 8.64 8.87 9.31

25.16 25.66 25.08 24.9 24.96 25.07 24.94 24.62 24.5 24.17

- - - - - - - - - -

10.99 10.94 10.87 10.68 10.72 10.69 10.59 10.53 10.51 10.49

10.83 10.78 10.66 10.56 10.51 10.43 10.38 10.3 10.29 10.35

12.97 12.91 12.78 12.66 12.64 12.6 12.48 12.4 12.34 12.3
 10.13%

2018 2019
Jul Aug Sep Oct Nov Dec Jan
- - - -

10.32 10.19 10.14 10.11 10.04 10.00 10.20

10.06 10.05 10.07 10.06 10.34 10.34 10.13
11.92 11.46 11.39 11.33 11.28 11.20 11.20
- - - -

11.55 11.46 11.39 11.52 11.54 11.23 11.19

11.21 11.19 11.17 11.21 11.17 11.05 11.00
12.53 12.48 12.42 12.36 12.30 12.21 12.19
- - - -

11 10.95 11.24 10.97 11.02 10.95 10.99

10.64 10.66 11.02 10.67 10.69 10.67 10.60
11.63 11.56 11.52 11.41 11.44 11.41 11.35
- - - -

8.47 8.61 8.65 8.79 8.98 8.04 9.07

9.59 9.66 9.71 9.78 9.85 7.56 9.94
24.12 24.12 24.01 24 23.96 23.87 24.30
- - - -

10.55 10.48 10.59 10.47 10.48 10.34 10.52

10.36 10.37 10.54 10.38 10.51 10.38 10.38
12.2 11.96 11.9 11.83 11.80 11.73 11.72
GROUP OF BANKS AND TYPE OF LOANS

State Banks 1
Working Capital Loans 2
Investment Loans 3
Consumer Loans 4
Regional Government Banks 5
Working Capital Loans 6
Investment Loans 7
Consumer Loans 8
Private National Banks 9
Working Capital Loans 10
Investment Loans 11
Consumer Loans 12
Foreign Banks and Joint Banks 13
Working Capital Loans 14
Investment Loans 15
Consumer Loans 16
Commercial Banks 17
Working Capital Loans 18
Investment Loans 19
Consumer Loans 20