housing finance in indonesia asia pa cific union of housing finance international conference
DESCRIPTION
HOUSING FINANCE IN INDONESIA ASIA PA CIFIC UNION OF HOUSING FINANCE INTERNATIONAL CONFERENCE New d EL hi , JAN 30 t h – 31 st , 2012 Prepared By: PT. SARANA MULTIGRIYA FINANSIAL (P ersero ) INDONESIA. AGENDA. COUNTRY HIGHLIGHTS OF INDONESIA HOUSING FINANCE MARKET ABOUT SMF - PowerPoint PPT PresentationTRANSCRIPT
Slide 1HOUSING FINANCE IN INDONESIA
NEW DELHI, JAN 30th – 31st , 2012
PREPARED BY:
INDONESIA
AGENDA
COUNTRY HIGHLIGHTS OF INDONESIA
COUNTRY HIGHLIGHTS OF INDONESIA
Indonesia is the biggest archipelago country in South East Asia comprising of 17.504 islands.
Total population in 2010 showed 237.641.326 people
Jakarta is the capital city of Indonesia.
A GLANCE OF INDONESIA
COUNTRY HIGHLIGHTS OF INDONESIA
*Estimation
Even though growth showed relative decline during the global crisis, bottoming in 2009 at 4.6%, the economy rebounded in 2010 at 6.1% and 2011 at 6.5% which reflects a solid fundamental economics.
GDP GROWTH & POPULATION
COUNTRY HIGHLIGHTS OF INDONESIA
Source : Bank Indonesia 2011 ( www.bi.go.id )
Inflation continues to decrease followed by a decrease on BI Rate. Lending rate which uses BI rate as its benchmark decrease at a slower rate.
* Central Bank of Indonesia
HOUSING FINANCE MARKET
HOUSING FINANCE MARKET
More than 90% of mortgages are originated by 10 banks as major players until 2011
Source: The Indonesian Banking Statistics (SPI), 2011
MORTGAGE MARKET
HOUSING FINANCE MARKET
Source : HDFC, 2009
The ratio of mortgage portfolio to GDP in Indonesia still very low. Compare with total GDP, the proportion of housing loan portfolio figures around 2% where country like China and Malaysia have higher percentage 20% and 29%
MORTGAGE TO GDP
HOUSING FINANCE MARKET
Source PSPI, BI, Ministry of Housing, REI, APERSI, Spire estimation & Analysis(*)
Sales of housing experience healthy growth since significant drop in 2009. Total sales at the end of 2011 peek around 242,000 houses. This sales potrays the growth in new constructed houses.
HOUSING SALES
HOUSING FINANCE MARKET
Total housing demand: 1,230,000 units per year
HOUSING DEMAND
HOUSING FINANCE MARKET
The big gap between supply and demand of houses remains.
The total demand of 1.23 million units from:
Current Indonesia’s Housing backlog over 8.6 million units, requiring approx. 430,000 units per year to be built in 20 year,
Housing needs from population growth is recorded at 800,000 units per year
Supply of New Housing Construction of approx. 240,000 units in 2011 but still almost always below housing demand.
SUPPLY AND DEMAND DEMAND
ABOUT SMF
ABOUT SMF
SMF PROFILE
PT. Sarana Multigriya Finansial (Persero) (“SMF”), established on July 22, 2005, as a Secondary Mortgage Corporation – wholly owned by the government.
SMF’s mission is to create the affordability for Indonesian Families to own a decent homes.
Initial Paid Up Capital of IDR 2 trillion
*
ABOUT SMF
Liquidity Facility
Facilitator
Catalysator
2005
2018
ABOUT SMF
Securitization Program
provide a mechanism of sales of mortgage loans and issue of mortgage backed securities.
Guarantee Program
provide guarantee for obligation / mortgage backed securities issued by mortgage lenders.
Support Programs
- Education and training programs
THE COMPANY’S PROGRAMS
ABOUT SMF
SIX-YEARS HIGHLIGHTS
Since its establishment in 2005, SMF’s asset has been increased from 1 trillions rupiah to 4,8 trillion rupiah by the end of 2011. Its asset growth is mainly supported by lending activity and bonds issuance, and also at the end of 2011 the government has invested more capital in SMF.
*
76,798
83,166
75,931
205,038
3,354
339,000
66,000
- 0
7,235
9.53%
(129,107)
-62.97%
201,684
6012.73%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
-
1,158,408
1,780,952
1,358,091
733,233
530,285
20,064
- 0
- 0
- 0
- 0
- 0
- 0
- 0
18,950
26,138
19,630
7,614
553
640
368
110
6,508
33.15%
12,016
157.82%
7,061
1277.13%
(88)
-13.68%
272
74.05%
258
234.56%
- 0
0.00%
24,971
25,012
24,990
- 0
- 0
- 0
- 0
- 0
22
0.09%
24,990
0.00%
- 0
0.00%
725,775
811,428
726,244
250,083
- 0
- 0
- 0
- 0
85,184
11.73%
476,161
190.40%
250,083
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
840
0.00%
76,798
83,166
75,931
205,038
3,354
339,000
66,000
- 0
7,235
9.53%
(129,107)
-62.97%
201,683
6012.72%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
1,158,408
1,780,952
1,358,091
733,233
530,285
- 0
34,000
- 0
422,861
31.14%
624,858
85.22%
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
0.00%
0.00%
Kini
- 0
(2,639)
55.56
41.62
76.45
93.45
77.26
65.10
88.51
27.26
0.00%
Jumlah Aset (%)
Pinjaman yang diberikan (%)
Net Profit Margin (NPM)
Pendapatan (%)
73.84
76.59
73.64
83.31
79.83
78.05
84.60
113.56
Return on Aset (ROA)
Return on Equity (ROE)
Penyaluran Pinjaman (%)
Penyaluran Pinjaman (%)
28.26
23.80
27.92
18.84
21.49
23.99
16.45
11.49
atau Loan to Financing Ratio***
1.06
1.57
1.97
1.71
- 0
- 0
- 0
- 0
3.13
1.72
2.89
3.39
96.77
222.22
174.92
404.98
2.18
2.01
2.25
3.35
125.84
163.28
152.33
405.79
0.36
0.15
0.29
0.40
0.53
0.98
0.95
1.00
2.18
2.01
2.25
3.35
125.84
163.28
152.33
405.79
1.14
0.79
1.00
1.44
2.36
3.48
11.16
- 0
0.85
0.99
0.80
0.43
0.01
0.01
0.01
0.00
2.35
1.44
0.53
0.31
0.10
- 0
2,090
1,503
2,957
3,760
2,971
2,970
4,149
1,769
4%
3%
5%
8%
6%
6%
8%
3%
74%
77%
74%
83%
80%
78%
85%
114%
user: iqbal 2010 penata sekuritas dimasukan lagi akunnya atau tidak
FS & rasio Prospektus
- 0
66,000
339,000
3,354
205,038
75,931
76,814
83,166
2,161,786
76,798
(129,107)
-62.97%
201,684
6012.73%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
0.00%
- 0
34,000
dalam waktu satu tahun
Surat Hutang Jangka Menenngah
110
368
641
553
7,614
19,630
11,086
26,138
9,988
18,950
12,016
157.82%
7,061
1277.13%
(88)
-13.69%
273
74.08%
258
234.56%
- 0
Surat Hutang Jangka Menenngah
1,399
840
- 0
66,000
339,000
3,354
205,038
75,931
75,931
83,166
76,798
(129,107)
-62.97%
201,683
6012.72%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
34,000
- 0
530,285
733,233
1,358,091
1,358,091
1,780,952
1,158,408
624,858
85.22%
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
Kini
(1,447)
- 0
- 0
(3,260)
(8,496)
27.26
88.51
65.10
77.26
93.45
77.64
- 0
39.67
42.42
55.56
- 0
0.00
1.40
3.21
2.69
1.07
0.76
0.56
0.89
- 0
0.05
4.92
7.62
5.52
1.91
1.32
0.89
1.87
85.25
84.88
75.71
75.61
74.71
71.98
- 0
72.71
74.17
72.72
113.56
84.60
78.05
79.83
83.31
73.94
77.35
78.01
73.84
Laba Bersih Terhadap Jumlah Aset (%) atau Return on Aset (ROA)
2.65
7.88
5.48
6.09
4.85
3.02
1.78
1.45
2.14
Laba Bersih Terhadap Jumlah Ekuitas (%) atau Return on Equity (ROE)
2.65
7.93
5.51
6.14
6.91
5.44
- 0
2.75
2.89
3.95
- 0
173,802.87
390.41
190.06
180.41
283.26
- 0
234.61
257.04
241.09
- 0
33,637.06
123.71
54.03
45.49
108.65
83.44
77.60
96.44
11.49
16.45
23.99
21.49
18.84
27.61
25.86
22.39
28.26
Pinjaman Yang Diberikan Terhadap Liabilitas (X) atau Loan to Financing Ratio
- 0
- 0
- 0
- 0
1.71
1.97
2.25
1.57
1.06
404.98
174.93
222.21
96.77
3.39
2.89
1.26
1.66
3.28
405.79
152.33
163.28
125.84
3.35
2.25
2.83
2.01
2.22
1.00
0.95
0.98
0.53
0.40
0.29
0.09
0.14
0.37
405.79
152.33
163.28
125.84
3.35
2.25
2.83
2.01
2.22
- 0
11.16
3.48
2.36
1.44
1.00
1.12
0.79
1.14
0.00
0.01
0.01
0.01
0.43
0.80
0.55
0.99
0.83
- 0
0.10
0.31
0.53
1.44
2.35
1,769
4,149
2,970
2,971
3,760
3,003
1,531
2,090
3%
8%
6%
6%
8%
5%
3%
4%
114%
85%
78%
80%
83%
74%
78%
74%
user: iqbal 2010 penata sekuritas dimasukan lagi akunnya atau tidak
financl highlights
3.30
1.44
0.53
0.31
0.10
- 0
Pernyataan utang
Surat Hutang Jangka Menenngah
26,138
Surat Hutang Jangka Menengah
25,012
Hutang Obligasi - Setelah Dikurangi Bagian Yang Akan Jatuh Tempo Dalam Waktu Satu Tahun
811,428
25,000
(72)
200,000
Dikurangi:
(84)
25,000
Dikurangi:
12
(1,523)
Obligasi IV
(951)
Oblilgasi III
(572)
- 0
28.31
87.13
65.35
80.22
101.52
76.89
50.89
62.59
72.61
- 0
(1.04)
1.39
(0.25)
(2.96)
(8.07)
(0.45)
(0.77)
- 0
- 0
0.10
0.34
0.53
1.85
3.30
- 0
0.01
0.01
0.01
0.43
0.80
Penerimaan dari Bunga
-
-
-
-
-
-
-
-
-
-
-
-
- 0
0.00%
-
-
-
-
-
27,547
(13,950)
(177,738)
(124,592)
(672,822)
(335,416)
(362,352)
337,405.89
-50.15%
(548,230)
440.02%
53,147
-29.90%
(163,789)
1174.13%
(41,497)
-150.64%
Investasi pada efek
-
-
-
-
(1,406)
(13,290)
(87)
(35,100)
(26,184)
28,033
(224)
54,216.75
-207.06%
8,916
-25.40%
-35,013
40271.39%
13,203
-99.35%
(11,884)
844.99%
Penerimaan Hasil Penerbitan Oblihasi
-
-
-
-
-
1,000,000
1,026,140
(27,240)
(177,825)
(159,692)
(150,336)
254,202
(63,076)
404,537.64
-269.09%
9,356
-5.86%
18,134
-10.20%
(150,586)
552.82%
(1,053,380)
-102.65%
-
1,026,140
998,901
821,075
661,575
511,239
765,441
702,365
254,202.00
49.72%
(150,336)
-22.72%
-159,501
-19.43%
(177,825)
-17.80%
(27,240)
-2.65%
1,026,140
998,901
821,075
661,575
511,239
765,441
702,365
- 0
100,000,000,000
- 0
100,000,000,000
0.10
2007
Referensi
Tanggal
100,000,000,000
200,000,000,000
- 0
300,000,000,000
706290011
29-Jun-07
1.06.01.00.1
300,000,000,000
- 0
33,000,000,000
267,000,000,000
712130011
13-Dec-07
1.06.01.00.1
267,000,000,000
100,000,000,000
- 0
367,000,000,000
712190012
19-Dec-07
1.06.01.00.1
372,000,000,000
- 0
33,000,000,000
339,000,000,000
0.31
234
279
2008
45
Referensi
Tanggal
339,000,000,000
- 0
200,000,000,000
139,000,000,000
806040009
4-Jun-08
1.06.01.00.1
139,000,000,000
200,000,000,000
- 0
339,000,000,000
806120006
12-Jun-08
1.06.01.00.1
339,000,000,000
- 0
100,000,000,000
239,000,000,000
806120010
12-Jun-08
1.06.01.00.1
239,000,000,000
266,000,000,000
- 0
505,000,000,000
806180003
18-Jun-08
1.06.01.00.1
505,000,000,000
- 0
5,000,000,000
500,000,000,000
806270006
27-Jun-08
1.06.01.00.1
500,000,000,000
- 0
34,000,000,000
466,000,000,000
806270007
27-Jun-08
1.06.01.00.1
466,000,000,000
34,000,000,000
- 0
500,000,000,000
807280004
28-Jul-08
1.06.01.00.1
500,000,000,000
1,000,000,000
- 0
501,000,000,000
808070001
7-Aug-08
1.06.01.00.1
501,000,000,000
507,687,018
- 0
501,507,687,018
808150004
15-Aug-08
1.06.01.00.1
501,507,687,018
- 0
7,939,863
501,499,747,155
808250005
25-Aug-08
1.06.01.00.1
501,499,747,155
- 0
3,520,559
501,496,226,596
809080009
8-Sep-08
1.06.01.00.1
501,496,226,596
959,570,590
- 0
502,455,797,186
809180004
18-Sep-08
1.06.01.00.1
502,455,797,186
- 0
8,015,954
502,447,781,232
809250004
25-Sep-08
1.06.01.00.1
502,447,781,232
- 0
3,554,298
502,444,226,934
809250005
25-Sep-08
1.06.01.00.1
502,444,226,934
- 0
5,946,499
502,438,280,435
810200010
20-Oct-08
1.06.01.00.1
502,438,280,435
- 0
8,092,773
502,430,187,662
810220002
22-Oct-08
1.06.01.00.1
502,430,187,662
30,400,000,000
- 0
532,830,187,662
810240002
23-Oct-08
1.06.01.00.1
532,830,187,662
- 0
6,003,486
532,824,184,176
810240003
23-Oct-08
1.06.01.00.1
532,824,184,176
- 0
3,588,360
532,820,595,816
811050005
5-Nov-08
1.06.01.00.1
532,820,595,816
- 0
57,371,514
532,763,224,302
811180008
18-Nov-08
1.06.01.00.1
532,763,224,302
- 0
7,690,034
532,755,534,268
811250002
25-Nov-08
1.06.01.00.1
532,755,534,268
- 0
6,061,020
532,749,473,248
811250003
25-Nov-08
1.06.01.00.1
532,749,473,248
- 0
3,622,748
532,745,850,500
812010012
1-Dec-08
1.06.01.00.1
532,745,850,500
911,000,000
- 0
533,656,850,500
812180001
18-Dec-08
1.06.01.00.1
533,656,850,500
- 0
7,763,730
533,649,086,770
812240008
23-Dec-08
1.06.01.00.1
533,649,086,770
- 0
3,657,466
533,645,429,304
812240009
23-Dec-08
1.06.01.00.1
533,645,429,304
- 0
6,119,105
533,639,310,199
0.53
2009
Referensi
Tanggal
533,639,310,199
- 0
6,640,172
533,632,670,027
901190001
15-Jan-09
1.06.01.00.1
533,624,831,894
1,327,839,245
- 0
534,952,671,139
901270005
23-Jan-09
1.06.01.00.1
534,952,671,139
- 0
3,692,517
534,948,978,622
901270006
23-Jan-09
1.06.01.00.1
534,948,978,622
- 0
6,177,746
534,942,800,876
902100004
10-Feb-09
1.06.01.00.1
534,936,097,069
- 0
7,501,209
534,928,595,860
902180001
18-Feb-09
1.06.01.00.1
534,928,595,860
- 0
7,913,249
534,920,682,611
902250005
25-Feb-09
1.06.01.00.1
534,920,682,611
- 0
3,727,904
534,916,954,707
902250006
25-Feb-09
1.06.01.00.1
534,916,954,707
- 0
6,236,949
534,910,717,758
902250007
25-Feb-09
1.06.01.00.1
534,910,717,758
- 0
7,573,095
534,903,144,663
903020008
2-Mar-09
1.06.01.00.1
534,903,144,663
1,108,400,000
- 0
536,011,544,663
903100007
6-Mar-09
1.06.01.00.1
536,011,544,663
- 0
6,768,052
536,004,776,611
903180002
18-Mar-09
1.06.01.00.1
536,004,776,611
- 0
8,504,008
535,996,272,603
903250004
23-Mar-09
1.06.01.00.1
535,996,272,603
- 0
3,763,629
535,992,508,974
903250005
23-Mar-09
1.06.01.00.1
535,992,508,974
- 0
6,296,720
535,986,212,254
903250006
23-Mar-09
1.06.01.00.1
535,978,566,583
- 0
6,832,913
535,971,733,670
904080013
7-Apr-09
1.06.01.00.1
535,971,733,670
- 0
8,501,181
535,963,232,489
904080011
8-Apr-09
1.06.01.00.1
535,963,232,489
523,332,101
- 0
536,486,564,590
904170004
17-Apr-09
1.06.01.00.1
536,486,564,590
- 0
8,065,646
536,478,498,944
904240006
23-Apr-09
1.06.01.00.1
536,478,498,944
- 0
3,799,697
536,474,699,247
904240007
23-Apr-09
1.06.01.00.1
536,474,699,247
- 0
6,357,064
536,468,342,183
904240008
23-Apr-09
1.06.01.00.1
536,468,342,183
- 0
7,718,942
536,460,623,241
904240009
23-Apr-09
1.06.01.00.1
536,460,623,241
- 0
4,381,156
536,456,242,085
905110005
7-May-09
1.06.01.00.1
536,456,242,085
- 0
6,898,395
536,449,343,690
905110006
7-May-09
1.06.01.00.1
536,449,343,690
- 0
8,582,651
536,440,761,039
905070023
7-May-09
1.06.01.00.1
536,244,769,847
- 0
3,836,111
536,240,933,736
905250008
22-May-09
1.06.01.00.1
536,240,933,736
- 0
7,792,915
536,233,140,821
905250009
22-May-09
1.06.01.00.1
536,233,140,821
- 0
4,423,142
536,228,717,679
905260001
22-May-09
1.06.01.00.1
536,228,717,679
- 0
5,093,684
536,223,623,995
905250001
25-May-09
1.06.01.00.1
536,223,623,995
8,504,008
- 0
536,232,128,003
905250001
25-May-09
1.06.01.00.1
536,232,128,003
- 0
7,989,084
536,224,138,919
906040016
4-Jun-09
1.06.01.00.1
536,224,138,919
1,045,219,000
- 0
537,269,357,919
906100006
10-Jun-09
1.06.01.00.1
537,269,357,919
- 0
6,964,504
537,262,393,415
906100007
10-Jun-09
1.06.01.00.1
537,262,393,415
- 0
8,664,901
537,253,728,514
906180001
18-Jun-09
1.06.01.00.1
537,253,728,514
- 0
8,220,978
537,245,507,536
906180012
18-Jun-09
1.06.01.00.1
537,245,507,536
- 0
- 0
537,245,507,536
906230025
23-Jun-09
1.06.01.00.1
537,245,507,536
- 0
3,872,874
537,241,634,662
906230026
23-Jun-09
1.06.01.00.1
537,241,634,662
- 0
5,142,498
537,236,492,164
906230027
23-Jun-09
1.06.01.00.1
537,236,492,164
- 0
4,465,531
537,232,026,634
906230028
23-Jun-09
1.06.01.00.1
537,232,026,634
- 0
7,867,597
537,224,159,036
907100002
10-Jul-09
1.06.01.00.1
537,224,159,036
- 0
7,031,247
537,217,127,789
907100003
10-Jul-09
1.06.01.00.1
537,217,127,789
- 0
8,747,940
537,208,379,849
907100004
10-Jul-09
1.06.01.00.1
537,208,379,849
- 0
8,445,483
537,199,934,366
907100006
10-Jul-09
1.06.01.00.1
537,199,934,366
671,652,018
- 0
537,871,586,384
907140008
14-Jul-09
1.06.01.00.1
537,871,586,384
- 0
- 0
537,871,586,384
907210018
16-Jul-09
1.06.01.00.1
537,871,586,384
- 0
8,299,762
537,863,286,622
907230022
23-Jul-09
1.06.01.00.1
537,863,286,622
- 0
3,909,989
537,859,376,634
907230023
23-Jul-09
1.06.01.00.1
537,859,376,634
- 0
5,191,780
537,854,184,853
907230024
23-Jul-09
1.06.01.00.1
537,854,184,853
- 0
7,942,995
537,846,241,858
907230025
23-Jul-09
1.06.01.00.1
537,846,241,858
- 0
4,508,325
537,841,733,533
907240004
24-Jul-09
1.06.01.00.1
537,841,733,533
- 0
3,520,934
537,838,212,599
908040015
4-Aug-09
1.06.01.00.1
537,838,212,599
- 0
- 0
537,838,212,599
908040016
4-Aug-09
1.06.01.00.1
537,838,212,599
- 0
- 0
537,838,212,599
908040017
4-Aug-09
1.06.01.00.1
537,838,212,599
- 0
- 0
537,838,212,599
908070008
7-Aug-09
1.06.01.00.1
537,838,212,599
- 0
7,098,630
537,831,113,969
908070009
7-Aug-09
1.06.01.00.1
537,831,113,969
- 0
8,831,774
537,822,282,195
908070010
7-Aug-09
1.06.01.00.1
537,822,282,195
- 0
8,526,419
537,813,755,776
908140004
14-Aug-09
1.06.01.00.1
537,813,755,776
- 0
8,379,302
537,805,376,475
908180014
18-Aug-09
1.06.01.00.1
537,805,376,475
- 0
- 0
537,805,376,475
908210008
21-Aug-09
1.06.01.00.1
537,805,376,475
1,189,987,965
- 0
538,995,364,440
908210011
21-Aug-09
1.06.01.00.1
538,995,364,440
- 0
132,121,138
538,863,243,302
908240005
24-Aug-09
1.06.01.00.1
538,863,243,302
- 0
3,947,460
538,859,295,842
908240006
24-Aug-09
1.06.01.00.1
538,859,295,842
- 0
5,241,535
538,854,054,307
908240007
24-Aug-09
1.06.01.00.1
538,854,054,307
- 0
8,019,116
538,846,035,192
908240008
24-Aug-09
1.06.01.00.1
538,846,035,192
- 0
4,551,530
538,841,483,662
908240009
24-Aug-09
1.06.01.00.1
538,841,483,662
- 0
3,554,676
538,837,928,986
908250013
25-Aug-09
1.06.01.00.1
538,837,928,986
- 0
6,331,125
538,831,597,861
909040013
4-Sep-09
1.06.01.00.1
538,831,597,861
- 0
- 0
538,831,597,861
909040014
4-Sep-09
1.06.01.00.1
538,831,597,861
- 0
- 0
538,831,597,861
909040015
4-Sep-09
1.06.01.00.1
538,831,597,861
- 0
- 0
538,831,597,861
909040017
4-Sep-09
1.06.01.00.1
538,831,597,861
200,000,000,000
- 0
738,831,597,861
909070027
7-Sep-09
1.06.01.00.1
738,831,597,861
- 0
123,240,866
738,708,356,995
909100020
10-Sep-09
1.06.01.00.1
738,708,356,995
- 0
6,060,586
738,702,296,409
909100021
10-Sep-09
1.06.01.00.1
738,702,296,409
- 0
8,916,412
738,693,379,997
909100022
10-Sep-09
1.06.01.00.1
738,693,379,997
- 0
8,608,130
738,684,771,867
909140014
14-Sep-09
1.06.01.00.1
738,684,771,867
- 0
3,040,000,000
735,644,771,867
909170020
17-Sep-09
1.06.01.00.1
735,644,771,867
- 0
3,985,289
735,640,786,577
909170021
17-Sep-09
1.06.01.00.1
735,640,786,577
- 0
5,291,766
735,635,494,811
909170022
17-Sep-09
1.06.01.00.1
735,635,494,811
- 0
8,095,965
735,627,398,845
909170023
17-Sep-09
1.06.01.00.1
735,627,398,845
- 0
4,595,149
735,622,803,697
909170024
17-Sep-09
1.06.01.00.1
735,622,803,697
- 0
6,391,798
735,616,411,898
909170025
17-Sep-09
1.06.01.00.1
735,616,411,898
- 0
8,459,603
735,607,952,295
909240001
24-Sep-09
1.06.01.00.1
735,607,952,295
- 0
2,923,235
735,605,029,060
910020006
2-Oct-09
1.06.01.00.1
735,605,029,060
- 0
- 0
735,605,029,060
910020007
2-Oct-09
1.06.01.00.1
735,605,029,060
- 0
- 0
735,605,029,060
910020008
2-Oct-09
1.06.01.00.1
735,605,029,060
- 0
- 0
735,605,029,060
910070024
7-Oct-09
1.06.01.00.1
735,605,029,060
- 0
6,118,666
735,598,910,394
910070025
7-Oct-09
1.06.01.00.1
735,598,910,394
- 0
9,001,861
735,589,908,533
910070026
7-Oct-09
1.06.01.00.1
735,589,908,533
- 0
8,690,625
735,581,217,908
910150037
15-Oct-09
1.06.01.00.1
735,581,217,908
- 0
8,540,675
735,572,677,233
910220011
22-Oct-09
1.06.01.00.1
735,572,677,233
- 0
6,453,053
735,566,224,180
910220012
22-Oct-09
1.06.01.00.1
735,566,224,180
- 0
2,951,250
735,563,272,930
910220013
22-Oct-09
1.06.01.00.1
735,563,272,930
- 0
4,639,186
735,558,633,744
910220014
22-Oct-09
1.06.01.00.1
735,558,633,744
- 0
8,173,552
735,550,460,193
910220015
22-Oct-09
1.06.01.00.1
735,550,460,193
- 0
5,342,479
735,545,117,714
910220016
22-Oct-09
1.06.01.00.1
735,545,117,714
- 0
4,023,482
735,541,094,232
910280005
28-Oct-09
1.06.01.00.1
735,541,094,232
1,119,000,000
- 0
736,660,094,232
911040004
4-Nov-09
1.06.01.00.1
736,660,094,232
- 0
- 0
736,660,094,232
911040005
4-Nov-09
1.06.01.00.1
736,660,094,232
- 0
- 0
736,660,094,232
911040006
4-Nov-09
1.06.01.00.1
736,660,094,232
- 0
- 0
736,660,094,232
911060013
6-Nov-09
1.06.01.00.1
736,660,094,232
- 0
9,711,679
736,650,382,553
911060014
6-Nov-09
1.06.01.00.1
736,650,382,553
- 0
8,773,910
736,641,608,643
911060015
6-Nov-09
1.06.01.00.1
736,641,608,643
- 0
9,088,129
736,632,520,514
911060016
6-Nov-09
1.06.01.00.1
736,632,520,514
- 0
6,177,304
736,626,343,211
911130022
13-Nov-09
1.06.01.00.1
736,626,343,211
200,000,000,000
- 0
936,626,343,211
911130025
13-Nov-09
1.06.01.00.1
936,626,343,211
- 0
8,622,523
936,617,720,688
911150025
15-Nov-09
1.06.01.00.1
936,617,720,688
- 0
88,971,658
936,528,749,030
911160012
16-Nov-09
1.06.01.00.1
936,528,749,030
- 0
- 0
936,528,749,030
911250002
25-Nov-09
1.06.01.00.1
936,528,749,030
- 0
4,062,040
936,524,686,990
911250003
25-Nov-09
1.06.01.00.1
936,524,686,990
- 0
5,393,678
936,519,293,312
911250004
25-Nov-09
1.06.01.00.1
936,519,293,312
- 0
8,251,882
936,511,041,430
911250005
25-Nov-09
1.06.01.00.1
936,511,041,430
- 0
4,683,645
936,506,357,786
911250006
25-Nov-09
1.06.01.00.1
936,506,357,786
- 0
2,979,533
936,503,378,253
911250007
25-Nov-09
1.06.01.00.1
936,503,378,253
- 0
6,514,895
936,496,863,358
912040009
4-Dec-09
1.06.01.00.1
936,496,863,358
- 0
- 0
936,496,863,358
912040010
4-Dec-09
1.06.01.00.1
936,496,863,358
- 0
- 0
936,496,863,358
912040011
4-Dec-09
1.06.01.00.1
936,496,863,358
- 0
- 0
936,496,863,358
912080008
8-Dec-09
1.06.01.00.1
936,496,863,358
- 0
6,236,503
936,490,626,855
912080009
8-Dec-09
1.06.01.00.1
936,490,626,855
- 0
8,388,823
936,482,238,032
912080010
8-Dec-09
1.06.01.00.1
936,482,238,032
- 0
8,857,993
936,473,380,039
912080011
8-Dec-09
1.06.01.00.1
936,473,380,039
- 0
9,804,749
936,463,575,290
912140015
14-Dec-09
1.06.01.00.1
936,463,575,290
- 0
90,282,575
936,373,292,715
912160007
16-Dec-09
1.06.01.00.1
936,373,292,715
- 0
8,705,155
936,364,587,559
912160008
16-Dec-09
1.06.01.00.1
936,364,587,559
- 0
- 0
936,364,587,559
912230027
23-Dec-09
1.06.01.00.1
936,364,587,559
1,108,060,123
- 0
937,472,647,682
912230028
23-Dec-09
1.06.01.00.1
937,472,647,682
- 0
170,998,154
937,301,649,528
912240002
24-Dec-09
1.06.01.00.1
937,301,649,528
- 0
6,577,329
937,295,072,199
912240003
24-Dec-09
1.06.01.00.1
937,295,072,199
- 0
3,008,086
937,292,064,113
912240004
24-Dec-09
1.06.01.00.1
937,292,064,113
- 0
4,728,529
937,287,335,584
912240005
24-Dec-09
1.06.01.00.1
937,287,335,584
- 0
8,330,962
937,279,004,622
912240006
24-Dec-09
1.06.01.00.1
937,279,004,622
- 0
5,445,367
937,273,559,254
912240007
24-Dec-09
1.06.01.00.1
937,273,559,254
- 0
2,532,588
937,271,026,666
912310090
31-Dec-09
1.06.01.00.1
937,271,026,666
3
- 0
937,271,026,669
84,000,000,000
- 0
7,548,466,497
76,451,533,503
906300065
30-Jun-09
1.04.05.00.1
EBA-Diperdagangkan
76,451,533,503
7,645,153
- 0
76,459,178,656
907100008
10-Jul-09
1.04.05.00.1
EBA-Diperdagangkan
76,459,178,656
- 0
3,000,000,000
73,459,178,656
0906300065(C)
31-Jul-09
1.04.05.00.1
EBA-Diperdagangkan
JP. Laba EBA yang belum direalisasi per 30 Jun 09
73,459,178,656
- 0
7,645,153
73,451,533,503
907310065
31-Jul-09
1.04.05.00.1
EBA-Diperdagangkan
73,451,533,503
1,469,030,670
- 0
74,920,564,173
0907310065(C)
31-Aug-09
1.04.05.00.1
EBA-Diperdagangkan
74,920,564,173
- 0
1,469,030,670
73,451,533,503
908310044
31-Aug-09
1.04.05.00.1
EBA-Diperdagangkan
73,451,533,503
1,469,030,670
- 0
74,920,564,173
909100016
10-Sep-09
1.04.05.00.1
EBA-Diperdagangkan
74,920,564,173
- 0
4,763,651,046
70,156,913,127
911100016
10-Nov-09
1.04.05.00.1
EBA-Diperdagangkan
70,156,913,127
289,500,000,000
- 0
359,656,913,127
912100012
10-Dec-09
1.04.05.00.1
EBA-Diperdagangkan
359,656,913,127
- 0
4,588,576,417
355,068,336,710
912310103
31-Dec-09
1.04.05.00.1
EBA-Diperdagangkan
355,068,336,710
- 0
187,044,549
354,881,292,161
1.43
1.44
144.40
kewajiban
lending
Inv Jk Pjg
- 0
100,000
334,000
500,000
500,000
499,311
499,440
1,000,000
PT Bank Tabungan Negara (Persero) Jual Beli Tagihan KPR Bersyarat
- 0
- 0
- 0
- 0
- 0
500,000
928,395
- 0
- 0
- 0
- 0
200,000
400,000
400,000
200,000
- 0
- 0
- 0
- 0
200,000
- 0
- 0
- 0
- 0
- 0
- 0
911
3,643
4,064
3,509
4,402
PT MNC Finance (d/h Bhakti Finance) Jual Beli Tagihan KPR Bersyarat
2,551
- 0
- 0
- 0
- 0
1,000
- 0
1,000
Jumlah
- 0
100,000
339,000
533,639
938,271
1,434,021
1,864,118
1,235,189
495,750
404,632
194,639
239,000
100,000
- 0
52.84%
- 0
66,000
334,000
- 0
- 0
- 0
- 0
71,606
PT Bank Tabungan Negara (Persero) Jual Beli Tagihan KPR Bersyarat
71,606
78,587
- 0
- 0
- 0
- 0
200,000
- 0
- 0
- 0
- 0
- 0
- 0
84
415
587
577
597
PT MNC Finance (d/h Bhakti Finance) Jual Beli Tagihan KPR Bersyarat
241
- 0
- 0
- 0
- 0
1,000
- 0
1,000
0
Jumlah
- 0
66,000
339,000
3,354
205,038
75,931
83,166
76,799
- 0
34,000
- 0
530,285
733,233
1,358,090
1,780,952
1,158,390
2005
- 0
2006
100,000
2007
339,000
2008
533,639
2009
938,271
2010
1,434,021
30-Jun
1,864,118
- 0
(217)
(206)
(195)
(185)
(205)
(202)
- 0
- 0
- 0
35,000
35,000
- 0
- 0
- 0
- 0
- 0
11
8
- 0
- 0
(dalam jutaan Rupiah)
Grafik Ekuitas
Grafik Ekuitas
Lapkeu Audited
PER DES 2009, MARET 2010, JUNI 2010
Keterangan
2009
514
954
Saldo laba - tahun berjalan
128
124
218
45
31,347
54,472
PERBANDINGAN RUGI LABA
dalam jutaan rupiah
131
124
-
-
-
43,835
48,790
Candra: dikurangi biaya emisi obligasi
BYMHD & Utang Pjk
dalam jutaan rupiah
2009
2010
ASET
Restitusi
2007
2008
354,881,292,161
269,916,380,465
(14,180,703)
(281,940,842)
Pinjaman Yang Diberikan - Bagian Yang akan Jatuh Tempo Dalam Waktu Satu Tahun
205,037,760,119
75,930,532,528
(450,852)
(28,194,084)
1,330,518,100
1,629,207,775
Pinjaman Yang Diberikan - setelah dikurangi bagian yang akan jatuh tempo dalam waktu Satu Tahun
733,233,266,550
1,358,090,565,662
Surat Utang jangka Menengah
7,613,702,359
19,630,396,995
12,016,694,636
15,609,048,913
7,051,222,222
8,557,826,691
Surat Utang Jangka Menengah
Tunjangan Karyawan
26,138
Pajak
26,112
Kini
(3,260)
(8,496)
77.26
93.45
77.64
38.34
42.42
2008
2009
2010
2010
1,950.80
1,765.80
1,437.90
1,307.70
1,002.00
792.30
695.70
559.50
440.50
371.10
316.00
7,96
7,96
8.01
7.72
7.78
7.69
6.63
5.46
4.77
2.91
3.83
Penerimaan dari Bunga
- 0
- 0
63,327
- 0
n.a
1,000
1,000
n.a
(171,963)
27,547
(13,950)
(177,738)
(124,592)
(672,822)
(335,416)
337,406
-50.15%
(548,230)
53,147
(163,789)
(41,497)
Investasi pada efek
-
- 0
(6,531)
(1,406)
(13,290)
(87)
(35,100)
(26,184)
28,033
54,217
-207.06%
8,916
(35,013)
13,203
(11,884)
Penerimaan Hasil Penerbitan Oblihasi
188,000
615,000
1,000,000
511,239
947,745
1,026,140
998,901
821,075
661,575
511,239
765,441
254,202
49.72%
(150,336)
(159,501)
(177,825)
(27,240)
947,745
1,026,140
998,901
821,075
661,575
511,239
765,441
Investasi Jangka Pendek- - - - 356
Obligasi Yang Diterbitkan- - - - 549
Laba Rugi
Hasil Investasi25 103 67 59 70
Biaya Operasional4 17 21 22 24
Laba Bersih27 89 65 77 93
*) Kegiatan operasional selama 5-1/4 bulan
(dalam miliar rupiah)
- 0
66,000
339,000
3,354
204,038
1000000
- 0
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
yang akan jatuh tempo dalam waktu satu tahun
- 0
34,000
dalam waktu satu tahun
110
368
640
553
7,614
1000000
0
7,061
1277.13%
(88)
-13.68%
272
74.05%
258
234.56%
- 0
- 0
- 0
- 0
250,083
1000000
- 0
250,083
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
66,000
339,000
3,354
204,038
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
34,000
- 0
530,285
733,233
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
Kini
(1,447)
- 0
- 0
(3,260)
(8,496)
1000000
0
(5,236)
160.59%
(3,260)
0.00%
- 0
0.00%
1,447
-100.00%
Tangguhan
404
1,386
(252)
301
427
1000000
0
126
41.96%
553
-219.07%
(1,638)
-118.21%
982
243.39%
Jumlah Aset (%)
Pinjaman yang diberikan (%)
Net Profit Margin (NPM)
Pendapatan (%)
113.56
84.60
78.05
79.83
83.31
Return on Aset (ROA)
Return on Equity (ROE)
Penyaluran Pinjaman (%)
Penyaluran Pinjaman (%)
atau Loan to Financing Ratio***
- 0
- 0
- 0
- 0
1.71
404.98
174.92
222.22
96.77
3.39
1.00
0.95
0.98
0.53
0.40
405.79
152.33
163.28
125.84
3.35
- 0
11.16
3.48
2.36
1.44
0.00
0.01
0.01
0.01
0.43
finc highlights
- 0
0
17
41
52
daft pendapatan
- 0
66,000
339,000
3,354
204,038
1000000
- 0
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
yang akan jatuh tempo dalam waktu satu tahun
- 0
34,000
dalam waktu satu tahun
110
368
640
553
7,614
1000000
0
7,061
1277.13%
(88)
-13.68%
272
74.05%
258
234.56%
- 0
- 0
- 0
- 0
250,083
1000000
- 0
250,083
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
66,000
339,000
3,354
204,038
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
34,000
- 0
530,285
733,233
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
Kini
(1,447)
- 0
- 0
(3,260)
(8,496)
1000000
0
(5,236)
160.59%
(3,260)
0.00%
- 0
0.00%
1,447
-100.00%
Tangguhan
404
1,386
(252)
301
427
1000000
0
126
41.96%
553
-219.07%
(1,638)
-118.21%
982
243.39%
Jumlah Aset (%)
Pinjaman yang diberikan (%)
Net Profit Margin (NPM)
Pendapatan (%)
113.56
84.60
78.05
79.83
83.31
Return on Aset (ROA)
Return on Equity (ROE)
Penyaluran Pinjaman (%)
Penyaluran Pinjaman (%)
atau Loan to Financing Ratio***
- 0
- 0
- 0
- 0
1.71
404.98
174.92
222.22
96.77
3.39
1.00
0.95
0.98
0.53
0.40
405.79
152.33
163.28
125.84
3.35
- 0
11.16
3.48
2.36
1.44
0.00
0.01
0.01
0.01
0.43
finc highlights
- 0
0
17
41
52
daft pendapatan
- -
ABOUT SMF
The first mortgage securitization in Indonesia was succesfully concluded in 2009 and followed by other transaction every year
REALIZATION FUND FLOW BY YEAR
As shown in the presentation, the first SMF lending program has been done in 2006 in the amount of 100 billions rupiah and it increased every year. In year 2011, SMF has disbursed its lending program in the amount of 1,2 trillions rupiah which is given to bank, shariah banks and financing company which originates housing loan.
*
-
Jun-11
463,000
2,129,000
-
-
-
-
-
2005
109.37%
2.65%
2005
-
-
Profit margin
(jutaan Rupiah)
Surat Utang
Penyaluran Pinjaman
Penyaluran Pinjaman
Rasio Primary market to capital (X) kumulatif
Profit margin
Penyaluran Pinjaman
Surat Utang
Penyaluran Pinjaman
Penyaluran Pinjaman
Penyaluran Pinjaman
Penyaluran Pinjaman
2006
84.88%
7.93%
2006
0.10
2007
75.71%
5.51%
2007
0.40
2008
75.61%
6.14%
2008
1.00
2009
74.71%
6.91%
2009
1.90
2010
71.98%
5.44%
2010
3.30
2011
68.83%
3.29%
2011
2.60
2012
66.76%
4.37%
2012
4.33
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Aug
Sep
Okt
Nov
Des
Total
Akumulasi
2005
ABOUT SMF
The used of capital market fund continues to increase housing sector with accumulated volume in 2011 of 5,26 trililion IDR
ACCUMULATIVE FUND FLOW TO THE PRIMARY MARKET
*
CLOSING REMARKS
As the population continue to grow, the needs for housing continue to rise. To build a robust systems of housing finance is critical for Indonesia.
Through strengthening the primary mortgage market and developing secondary mortgage market, availability of sustainable medium to long term fund will eventually increase affordability
The first mortgage securitization in Indonesia was concluded in 2009 and followed with other transactions.
To develop a strong housing finance in Indonesia, it still required government and stake holders supports. i.e: government regulations.
Facilitates funds flow from CAPITAL MARKET to HOUSING SECTOR
HOUSING FINANCE IN INDONESIA
IndonesiaIndiaThailandChinaKoreaMalaysiaSingaporeTaiwanHongkongGermanyUKUSADenmark
2%8%17%20%26%29%32%39%41%46%81%84%95%
Milllion IDR
Current Assets2.128.038 1.048.132 885.161 673.117 827.754 1.002.721
Loan2.611.695 1.434.022 938.271 533.639 339.000 100.000
Fixed Assets78.207 88.963 104.038 61.456 21.396 20.427
LIABILITIES2.310.322 1.142.831 575.888 10.078 7.277 7.373
Current Liabilities38.407 25.793 22.415 6.991 5.251 6.109
Bonds Payable2.267.106 1.113.960 549.376 - - -
EQUITY2.507.618 1.428.286 1.351.582 1.258.134 1.180.873 1.115.775
Capital Stock2.000.000 1.000.000 1.000.000 1.000.000 1.000.000 1.000.000
Retained Earning507.618 428.286 351.582 258.134 180.873 115.775
REVENUES113.266 107.864 125.080 102.182 85.979 104.280
COST33.157 30.226 31.633 24.921 20.881 15.769
NET INCOME 80.109 77.638 93.447 77.261 65.098 88.511
2005200620072008200920102011
Securitization- - - - 502.000 750.000 703.000
Years
NEW DELHI, JAN 30th – 31st , 2012
PREPARED BY:
INDONESIA
AGENDA
COUNTRY HIGHLIGHTS OF INDONESIA
COUNTRY HIGHLIGHTS OF INDONESIA
Indonesia is the biggest archipelago country in South East Asia comprising of 17.504 islands.
Total population in 2010 showed 237.641.326 people
Jakarta is the capital city of Indonesia.
A GLANCE OF INDONESIA
COUNTRY HIGHLIGHTS OF INDONESIA
*Estimation
Even though growth showed relative decline during the global crisis, bottoming in 2009 at 4.6%, the economy rebounded in 2010 at 6.1% and 2011 at 6.5% which reflects a solid fundamental economics.
GDP GROWTH & POPULATION
COUNTRY HIGHLIGHTS OF INDONESIA
Source : Bank Indonesia 2011 ( www.bi.go.id )
Inflation continues to decrease followed by a decrease on BI Rate. Lending rate which uses BI rate as its benchmark decrease at a slower rate.
* Central Bank of Indonesia
HOUSING FINANCE MARKET
HOUSING FINANCE MARKET
More than 90% of mortgages are originated by 10 banks as major players until 2011
Source: The Indonesian Banking Statistics (SPI), 2011
MORTGAGE MARKET
HOUSING FINANCE MARKET
Source : HDFC, 2009
The ratio of mortgage portfolio to GDP in Indonesia still very low. Compare with total GDP, the proportion of housing loan portfolio figures around 2% where country like China and Malaysia have higher percentage 20% and 29%
MORTGAGE TO GDP
HOUSING FINANCE MARKET
Source PSPI, BI, Ministry of Housing, REI, APERSI, Spire estimation & Analysis(*)
Sales of housing experience healthy growth since significant drop in 2009. Total sales at the end of 2011 peek around 242,000 houses. This sales potrays the growth in new constructed houses.
HOUSING SALES
HOUSING FINANCE MARKET
Total housing demand: 1,230,000 units per year
HOUSING DEMAND
HOUSING FINANCE MARKET
The big gap between supply and demand of houses remains.
The total demand of 1.23 million units from:
Current Indonesia’s Housing backlog over 8.6 million units, requiring approx. 430,000 units per year to be built in 20 year,
Housing needs from population growth is recorded at 800,000 units per year
Supply of New Housing Construction of approx. 240,000 units in 2011 but still almost always below housing demand.
SUPPLY AND DEMAND DEMAND
ABOUT SMF
ABOUT SMF
SMF PROFILE
PT. Sarana Multigriya Finansial (Persero) (“SMF”), established on July 22, 2005, as a Secondary Mortgage Corporation – wholly owned by the government.
SMF’s mission is to create the affordability for Indonesian Families to own a decent homes.
Initial Paid Up Capital of IDR 2 trillion
*
ABOUT SMF
Liquidity Facility
Facilitator
Catalysator
2005
2018
ABOUT SMF
Securitization Program
provide a mechanism of sales of mortgage loans and issue of mortgage backed securities.
Guarantee Program
provide guarantee for obligation / mortgage backed securities issued by mortgage lenders.
Support Programs
- Education and training programs
THE COMPANY’S PROGRAMS
ABOUT SMF
SIX-YEARS HIGHLIGHTS
Since its establishment in 2005, SMF’s asset has been increased from 1 trillions rupiah to 4,8 trillion rupiah by the end of 2011. Its asset growth is mainly supported by lending activity and bonds issuance, and also at the end of 2011 the government has invested more capital in SMF.
*
76,798
83,166
75,931
205,038
3,354
339,000
66,000
- 0
7,235
9.53%
(129,107)
-62.97%
201,684
6012.73%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
-
1,158,408
1,780,952
1,358,091
733,233
530,285
20,064
- 0
- 0
- 0
- 0
- 0
- 0
- 0
18,950
26,138
19,630
7,614
553
640
368
110
6,508
33.15%
12,016
157.82%
7,061
1277.13%
(88)
-13.68%
272
74.05%
258
234.56%
- 0
0.00%
24,971
25,012
24,990
- 0
- 0
- 0
- 0
- 0
22
0.09%
24,990
0.00%
- 0
0.00%
725,775
811,428
726,244
250,083
- 0
- 0
- 0
- 0
85,184
11.73%
476,161
190.40%
250,083
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
840
0.00%
76,798
83,166
75,931
205,038
3,354
339,000
66,000
- 0
7,235
9.53%
(129,107)
-62.97%
201,683
6012.72%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
1,158,408
1,780,952
1,358,091
733,233
530,285
- 0
34,000
- 0
422,861
31.14%
624,858
85.22%
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
0.00%
0.00%
Kini
- 0
(2,639)
55.56
41.62
76.45
93.45
77.26
65.10
88.51
27.26
0.00%
Jumlah Aset (%)
Pinjaman yang diberikan (%)
Net Profit Margin (NPM)
Pendapatan (%)
73.84
76.59
73.64
83.31
79.83
78.05
84.60
113.56
Return on Aset (ROA)
Return on Equity (ROE)
Penyaluran Pinjaman (%)
Penyaluran Pinjaman (%)
28.26
23.80
27.92
18.84
21.49
23.99
16.45
11.49
atau Loan to Financing Ratio***
1.06
1.57
1.97
1.71
- 0
- 0
- 0
- 0
3.13
1.72
2.89
3.39
96.77
222.22
174.92
404.98
2.18
2.01
2.25
3.35
125.84
163.28
152.33
405.79
0.36
0.15
0.29
0.40
0.53
0.98
0.95
1.00
2.18
2.01
2.25
3.35
125.84
163.28
152.33
405.79
1.14
0.79
1.00
1.44
2.36
3.48
11.16
- 0
0.85
0.99
0.80
0.43
0.01
0.01
0.01
0.00
2.35
1.44
0.53
0.31
0.10
- 0
2,090
1,503
2,957
3,760
2,971
2,970
4,149
1,769
4%
3%
5%
8%
6%
6%
8%
3%
74%
77%
74%
83%
80%
78%
85%
114%
user: iqbal 2010 penata sekuritas dimasukan lagi akunnya atau tidak
FS & rasio Prospektus
- 0
66,000
339,000
3,354
205,038
75,931
76,814
83,166
2,161,786
76,798
(129,107)
-62.97%
201,684
6012.73%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
0.00%
- 0
34,000
dalam waktu satu tahun
Surat Hutang Jangka Menenngah
110
368
641
553
7,614
19,630
11,086
26,138
9,988
18,950
12,016
157.82%
7,061
1277.13%
(88)
-13.69%
273
74.08%
258
234.56%
- 0
Surat Hutang Jangka Menenngah
1,399
840
- 0
66,000
339,000
3,354
205,038
75,931
75,931
83,166
76,798
(129,107)
-62.97%
201,683
6012.72%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
34,000
- 0
530,285
733,233
1,358,091
1,358,091
1,780,952
1,158,408
624,858
85.22%
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
Kini
(1,447)
- 0
- 0
(3,260)
(8,496)
27.26
88.51
65.10
77.26
93.45
77.64
- 0
39.67
42.42
55.56
- 0
0.00
1.40
3.21
2.69
1.07
0.76
0.56
0.89
- 0
0.05
4.92
7.62
5.52
1.91
1.32
0.89
1.87
85.25
84.88
75.71
75.61
74.71
71.98
- 0
72.71
74.17
72.72
113.56
84.60
78.05
79.83
83.31
73.94
77.35
78.01
73.84
Laba Bersih Terhadap Jumlah Aset (%) atau Return on Aset (ROA)
2.65
7.88
5.48
6.09
4.85
3.02
1.78
1.45
2.14
Laba Bersih Terhadap Jumlah Ekuitas (%) atau Return on Equity (ROE)
2.65
7.93
5.51
6.14
6.91
5.44
- 0
2.75
2.89
3.95
- 0
173,802.87
390.41
190.06
180.41
283.26
- 0
234.61
257.04
241.09
- 0
33,637.06
123.71
54.03
45.49
108.65
83.44
77.60
96.44
11.49
16.45
23.99
21.49
18.84
27.61
25.86
22.39
28.26
Pinjaman Yang Diberikan Terhadap Liabilitas (X) atau Loan to Financing Ratio
- 0
- 0
- 0
- 0
1.71
1.97
2.25
1.57
1.06
404.98
174.93
222.21
96.77
3.39
2.89
1.26
1.66
3.28
405.79
152.33
163.28
125.84
3.35
2.25
2.83
2.01
2.22
1.00
0.95
0.98
0.53
0.40
0.29
0.09
0.14
0.37
405.79
152.33
163.28
125.84
3.35
2.25
2.83
2.01
2.22
- 0
11.16
3.48
2.36
1.44
1.00
1.12
0.79
1.14
0.00
0.01
0.01
0.01
0.43
0.80
0.55
0.99
0.83
- 0
0.10
0.31
0.53
1.44
2.35
1,769
4,149
2,970
2,971
3,760
3,003
1,531
2,090
3%
8%
6%
6%
8%
5%
3%
4%
114%
85%
78%
80%
83%
74%
78%
74%
user: iqbal 2010 penata sekuritas dimasukan lagi akunnya atau tidak
financl highlights
3.30
1.44
0.53
0.31
0.10
- 0
Pernyataan utang
Surat Hutang Jangka Menenngah
26,138
Surat Hutang Jangka Menengah
25,012
Hutang Obligasi - Setelah Dikurangi Bagian Yang Akan Jatuh Tempo Dalam Waktu Satu Tahun
811,428
25,000
(72)
200,000
Dikurangi:
(84)
25,000
Dikurangi:
12
(1,523)
Obligasi IV
(951)
Oblilgasi III
(572)
- 0
28.31
87.13
65.35
80.22
101.52
76.89
50.89
62.59
72.61
- 0
(1.04)
1.39
(0.25)
(2.96)
(8.07)
(0.45)
(0.77)
- 0
- 0
0.10
0.34
0.53
1.85
3.30
- 0
0.01
0.01
0.01
0.43
0.80
Penerimaan dari Bunga
-
-
-
-
-
-
-
-
-
-
-
-
- 0
0.00%
-
-
-
-
-
27,547
(13,950)
(177,738)
(124,592)
(672,822)
(335,416)
(362,352)
337,405.89
-50.15%
(548,230)
440.02%
53,147
-29.90%
(163,789)
1174.13%
(41,497)
-150.64%
Investasi pada efek
-
-
-
-
(1,406)
(13,290)
(87)
(35,100)
(26,184)
28,033
(224)
54,216.75
-207.06%
8,916
-25.40%
-35,013
40271.39%
13,203
-99.35%
(11,884)
844.99%
Penerimaan Hasil Penerbitan Oblihasi
-
-
-
-
-
1,000,000
1,026,140
(27,240)
(177,825)
(159,692)
(150,336)
254,202
(63,076)
404,537.64
-269.09%
9,356
-5.86%
18,134
-10.20%
(150,586)
552.82%
(1,053,380)
-102.65%
-
1,026,140
998,901
821,075
661,575
511,239
765,441
702,365
254,202.00
49.72%
(150,336)
-22.72%
-159,501
-19.43%
(177,825)
-17.80%
(27,240)
-2.65%
1,026,140
998,901
821,075
661,575
511,239
765,441
702,365
- 0
100,000,000,000
- 0
100,000,000,000
0.10
2007
Referensi
Tanggal
100,000,000,000
200,000,000,000
- 0
300,000,000,000
706290011
29-Jun-07
1.06.01.00.1
300,000,000,000
- 0
33,000,000,000
267,000,000,000
712130011
13-Dec-07
1.06.01.00.1
267,000,000,000
100,000,000,000
- 0
367,000,000,000
712190012
19-Dec-07
1.06.01.00.1
372,000,000,000
- 0
33,000,000,000
339,000,000,000
0.31
234
279
2008
45
Referensi
Tanggal
339,000,000,000
- 0
200,000,000,000
139,000,000,000
806040009
4-Jun-08
1.06.01.00.1
139,000,000,000
200,000,000,000
- 0
339,000,000,000
806120006
12-Jun-08
1.06.01.00.1
339,000,000,000
- 0
100,000,000,000
239,000,000,000
806120010
12-Jun-08
1.06.01.00.1
239,000,000,000
266,000,000,000
- 0
505,000,000,000
806180003
18-Jun-08
1.06.01.00.1
505,000,000,000
- 0
5,000,000,000
500,000,000,000
806270006
27-Jun-08
1.06.01.00.1
500,000,000,000
- 0
34,000,000,000
466,000,000,000
806270007
27-Jun-08
1.06.01.00.1
466,000,000,000
34,000,000,000
- 0
500,000,000,000
807280004
28-Jul-08
1.06.01.00.1
500,000,000,000
1,000,000,000
- 0
501,000,000,000
808070001
7-Aug-08
1.06.01.00.1
501,000,000,000
507,687,018
- 0
501,507,687,018
808150004
15-Aug-08
1.06.01.00.1
501,507,687,018
- 0
7,939,863
501,499,747,155
808250005
25-Aug-08
1.06.01.00.1
501,499,747,155
- 0
3,520,559
501,496,226,596
809080009
8-Sep-08
1.06.01.00.1
501,496,226,596
959,570,590
- 0
502,455,797,186
809180004
18-Sep-08
1.06.01.00.1
502,455,797,186
- 0
8,015,954
502,447,781,232
809250004
25-Sep-08
1.06.01.00.1
502,447,781,232
- 0
3,554,298
502,444,226,934
809250005
25-Sep-08
1.06.01.00.1
502,444,226,934
- 0
5,946,499
502,438,280,435
810200010
20-Oct-08
1.06.01.00.1
502,438,280,435
- 0
8,092,773
502,430,187,662
810220002
22-Oct-08
1.06.01.00.1
502,430,187,662
30,400,000,000
- 0
532,830,187,662
810240002
23-Oct-08
1.06.01.00.1
532,830,187,662
- 0
6,003,486
532,824,184,176
810240003
23-Oct-08
1.06.01.00.1
532,824,184,176
- 0
3,588,360
532,820,595,816
811050005
5-Nov-08
1.06.01.00.1
532,820,595,816
- 0
57,371,514
532,763,224,302
811180008
18-Nov-08
1.06.01.00.1
532,763,224,302
- 0
7,690,034
532,755,534,268
811250002
25-Nov-08
1.06.01.00.1
532,755,534,268
- 0
6,061,020
532,749,473,248
811250003
25-Nov-08
1.06.01.00.1
532,749,473,248
- 0
3,622,748
532,745,850,500
812010012
1-Dec-08
1.06.01.00.1
532,745,850,500
911,000,000
- 0
533,656,850,500
812180001
18-Dec-08
1.06.01.00.1
533,656,850,500
- 0
7,763,730
533,649,086,770
812240008
23-Dec-08
1.06.01.00.1
533,649,086,770
- 0
3,657,466
533,645,429,304
812240009
23-Dec-08
1.06.01.00.1
533,645,429,304
- 0
6,119,105
533,639,310,199
0.53
2009
Referensi
Tanggal
533,639,310,199
- 0
6,640,172
533,632,670,027
901190001
15-Jan-09
1.06.01.00.1
533,624,831,894
1,327,839,245
- 0
534,952,671,139
901270005
23-Jan-09
1.06.01.00.1
534,952,671,139
- 0
3,692,517
534,948,978,622
901270006
23-Jan-09
1.06.01.00.1
534,948,978,622
- 0
6,177,746
534,942,800,876
902100004
10-Feb-09
1.06.01.00.1
534,936,097,069
- 0
7,501,209
534,928,595,860
902180001
18-Feb-09
1.06.01.00.1
534,928,595,860
- 0
7,913,249
534,920,682,611
902250005
25-Feb-09
1.06.01.00.1
534,920,682,611
- 0
3,727,904
534,916,954,707
902250006
25-Feb-09
1.06.01.00.1
534,916,954,707
- 0
6,236,949
534,910,717,758
902250007
25-Feb-09
1.06.01.00.1
534,910,717,758
- 0
7,573,095
534,903,144,663
903020008
2-Mar-09
1.06.01.00.1
534,903,144,663
1,108,400,000
- 0
536,011,544,663
903100007
6-Mar-09
1.06.01.00.1
536,011,544,663
- 0
6,768,052
536,004,776,611
903180002
18-Mar-09
1.06.01.00.1
536,004,776,611
- 0
8,504,008
535,996,272,603
903250004
23-Mar-09
1.06.01.00.1
535,996,272,603
- 0
3,763,629
535,992,508,974
903250005
23-Mar-09
1.06.01.00.1
535,992,508,974
- 0
6,296,720
535,986,212,254
903250006
23-Mar-09
1.06.01.00.1
535,978,566,583
- 0
6,832,913
535,971,733,670
904080013
7-Apr-09
1.06.01.00.1
535,971,733,670
- 0
8,501,181
535,963,232,489
904080011
8-Apr-09
1.06.01.00.1
535,963,232,489
523,332,101
- 0
536,486,564,590
904170004
17-Apr-09
1.06.01.00.1
536,486,564,590
- 0
8,065,646
536,478,498,944
904240006
23-Apr-09
1.06.01.00.1
536,478,498,944
- 0
3,799,697
536,474,699,247
904240007
23-Apr-09
1.06.01.00.1
536,474,699,247
- 0
6,357,064
536,468,342,183
904240008
23-Apr-09
1.06.01.00.1
536,468,342,183
- 0
7,718,942
536,460,623,241
904240009
23-Apr-09
1.06.01.00.1
536,460,623,241
- 0
4,381,156
536,456,242,085
905110005
7-May-09
1.06.01.00.1
536,456,242,085
- 0
6,898,395
536,449,343,690
905110006
7-May-09
1.06.01.00.1
536,449,343,690
- 0
8,582,651
536,440,761,039
905070023
7-May-09
1.06.01.00.1
536,244,769,847
- 0
3,836,111
536,240,933,736
905250008
22-May-09
1.06.01.00.1
536,240,933,736
- 0
7,792,915
536,233,140,821
905250009
22-May-09
1.06.01.00.1
536,233,140,821
- 0
4,423,142
536,228,717,679
905260001
22-May-09
1.06.01.00.1
536,228,717,679
- 0
5,093,684
536,223,623,995
905250001
25-May-09
1.06.01.00.1
536,223,623,995
8,504,008
- 0
536,232,128,003
905250001
25-May-09
1.06.01.00.1
536,232,128,003
- 0
7,989,084
536,224,138,919
906040016
4-Jun-09
1.06.01.00.1
536,224,138,919
1,045,219,000
- 0
537,269,357,919
906100006
10-Jun-09
1.06.01.00.1
537,269,357,919
- 0
6,964,504
537,262,393,415
906100007
10-Jun-09
1.06.01.00.1
537,262,393,415
- 0
8,664,901
537,253,728,514
906180001
18-Jun-09
1.06.01.00.1
537,253,728,514
- 0
8,220,978
537,245,507,536
906180012
18-Jun-09
1.06.01.00.1
537,245,507,536
- 0
- 0
537,245,507,536
906230025
23-Jun-09
1.06.01.00.1
537,245,507,536
- 0
3,872,874
537,241,634,662
906230026
23-Jun-09
1.06.01.00.1
537,241,634,662
- 0
5,142,498
537,236,492,164
906230027
23-Jun-09
1.06.01.00.1
537,236,492,164
- 0
4,465,531
537,232,026,634
906230028
23-Jun-09
1.06.01.00.1
537,232,026,634
- 0
7,867,597
537,224,159,036
907100002
10-Jul-09
1.06.01.00.1
537,224,159,036
- 0
7,031,247
537,217,127,789
907100003
10-Jul-09
1.06.01.00.1
537,217,127,789
- 0
8,747,940
537,208,379,849
907100004
10-Jul-09
1.06.01.00.1
537,208,379,849
- 0
8,445,483
537,199,934,366
907100006
10-Jul-09
1.06.01.00.1
537,199,934,366
671,652,018
- 0
537,871,586,384
907140008
14-Jul-09
1.06.01.00.1
537,871,586,384
- 0
- 0
537,871,586,384
907210018
16-Jul-09
1.06.01.00.1
537,871,586,384
- 0
8,299,762
537,863,286,622
907230022
23-Jul-09
1.06.01.00.1
537,863,286,622
- 0
3,909,989
537,859,376,634
907230023
23-Jul-09
1.06.01.00.1
537,859,376,634
- 0
5,191,780
537,854,184,853
907230024
23-Jul-09
1.06.01.00.1
537,854,184,853
- 0
7,942,995
537,846,241,858
907230025
23-Jul-09
1.06.01.00.1
537,846,241,858
- 0
4,508,325
537,841,733,533
907240004
24-Jul-09
1.06.01.00.1
537,841,733,533
- 0
3,520,934
537,838,212,599
908040015
4-Aug-09
1.06.01.00.1
537,838,212,599
- 0
- 0
537,838,212,599
908040016
4-Aug-09
1.06.01.00.1
537,838,212,599
- 0
- 0
537,838,212,599
908040017
4-Aug-09
1.06.01.00.1
537,838,212,599
- 0
- 0
537,838,212,599
908070008
7-Aug-09
1.06.01.00.1
537,838,212,599
- 0
7,098,630
537,831,113,969
908070009
7-Aug-09
1.06.01.00.1
537,831,113,969
- 0
8,831,774
537,822,282,195
908070010
7-Aug-09
1.06.01.00.1
537,822,282,195
- 0
8,526,419
537,813,755,776
908140004
14-Aug-09
1.06.01.00.1
537,813,755,776
- 0
8,379,302
537,805,376,475
908180014
18-Aug-09
1.06.01.00.1
537,805,376,475
- 0
- 0
537,805,376,475
908210008
21-Aug-09
1.06.01.00.1
537,805,376,475
1,189,987,965
- 0
538,995,364,440
908210011
21-Aug-09
1.06.01.00.1
538,995,364,440
- 0
132,121,138
538,863,243,302
908240005
24-Aug-09
1.06.01.00.1
538,863,243,302
- 0
3,947,460
538,859,295,842
908240006
24-Aug-09
1.06.01.00.1
538,859,295,842
- 0
5,241,535
538,854,054,307
908240007
24-Aug-09
1.06.01.00.1
538,854,054,307
- 0
8,019,116
538,846,035,192
908240008
24-Aug-09
1.06.01.00.1
538,846,035,192
- 0
4,551,530
538,841,483,662
908240009
24-Aug-09
1.06.01.00.1
538,841,483,662
- 0
3,554,676
538,837,928,986
908250013
25-Aug-09
1.06.01.00.1
538,837,928,986
- 0
6,331,125
538,831,597,861
909040013
4-Sep-09
1.06.01.00.1
538,831,597,861
- 0
- 0
538,831,597,861
909040014
4-Sep-09
1.06.01.00.1
538,831,597,861
- 0
- 0
538,831,597,861
909040015
4-Sep-09
1.06.01.00.1
538,831,597,861
- 0
- 0
538,831,597,861
909040017
4-Sep-09
1.06.01.00.1
538,831,597,861
200,000,000,000
- 0
738,831,597,861
909070027
7-Sep-09
1.06.01.00.1
738,831,597,861
- 0
123,240,866
738,708,356,995
909100020
10-Sep-09
1.06.01.00.1
738,708,356,995
- 0
6,060,586
738,702,296,409
909100021
10-Sep-09
1.06.01.00.1
738,702,296,409
- 0
8,916,412
738,693,379,997
909100022
10-Sep-09
1.06.01.00.1
738,693,379,997
- 0
8,608,130
738,684,771,867
909140014
14-Sep-09
1.06.01.00.1
738,684,771,867
- 0
3,040,000,000
735,644,771,867
909170020
17-Sep-09
1.06.01.00.1
735,644,771,867
- 0
3,985,289
735,640,786,577
909170021
17-Sep-09
1.06.01.00.1
735,640,786,577
- 0
5,291,766
735,635,494,811
909170022
17-Sep-09
1.06.01.00.1
735,635,494,811
- 0
8,095,965
735,627,398,845
909170023
17-Sep-09
1.06.01.00.1
735,627,398,845
- 0
4,595,149
735,622,803,697
909170024
17-Sep-09
1.06.01.00.1
735,622,803,697
- 0
6,391,798
735,616,411,898
909170025
17-Sep-09
1.06.01.00.1
735,616,411,898
- 0
8,459,603
735,607,952,295
909240001
24-Sep-09
1.06.01.00.1
735,607,952,295
- 0
2,923,235
735,605,029,060
910020006
2-Oct-09
1.06.01.00.1
735,605,029,060
- 0
- 0
735,605,029,060
910020007
2-Oct-09
1.06.01.00.1
735,605,029,060
- 0
- 0
735,605,029,060
910020008
2-Oct-09
1.06.01.00.1
735,605,029,060
- 0
- 0
735,605,029,060
910070024
7-Oct-09
1.06.01.00.1
735,605,029,060
- 0
6,118,666
735,598,910,394
910070025
7-Oct-09
1.06.01.00.1
735,598,910,394
- 0
9,001,861
735,589,908,533
910070026
7-Oct-09
1.06.01.00.1
735,589,908,533
- 0
8,690,625
735,581,217,908
910150037
15-Oct-09
1.06.01.00.1
735,581,217,908
- 0
8,540,675
735,572,677,233
910220011
22-Oct-09
1.06.01.00.1
735,572,677,233
- 0
6,453,053
735,566,224,180
910220012
22-Oct-09
1.06.01.00.1
735,566,224,180
- 0
2,951,250
735,563,272,930
910220013
22-Oct-09
1.06.01.00.1
735,563,272,930
- 0
4,639,186
735,558,633,744
910220014
22-Oct-09
1.06.01.00.1
735,558,633,744
- 0
8,173,552
735,550,460,193
910220015
22-Oct-09
1.06.01.00.1
735,550,460,193
- 0
5,342,479
735,545,117,714
910220016
22-Oct-09
1.06.01.00.1
735,545,117,714
- 0
4,023,482
735,541,094,232
910280005
28-Oct-09
1.06.01.00.1
735,541,094,232
1,119,000,000
- 0
736,660,094,232
911040004
4-Nov-09
1.06.01.00.1
736,660,094,232
- 0
- 0
736,660,094,232
911040005
4-Nov-09
1.06.01.00.1
736,660,094,232
- 0
- 0
736,660,094,232
911040006
4-Nov-09
1.06.01.00.1
736,660,094,232
- 0
- 0
736,660,094,232
911060013
6-Nov-09
1.06.01.00.1
736,660,094,232
- 0
9,711,679
736,650,382,553
911060014
6-Nov-09
1.06.01.00.1
736,650,382,553
- 0
8,773,910
736,641,608,643
911060015
6-Nov-09
1.06.01.00.1
736,641,608,643
- 0
9,088,129
736,632,520,514
911060016
6-Nov-09
1.06.01.00.1
736,632,520,514
- 0
6,177,304
736,626,343,211
911130022
13-Nov-09
1.06.01.00.1
736,626,343,211
200,000,000,000
- 0
936,626,343,211
911130025
13-Nov-09
1.06.01.00.1
936,626,343,211
- 0
8,622,523
936,617,720,688
911150025
15-Nov-09
1.06.01.00.1
936,617,720,688
- 0
88,971,658
936,528,749,030
911160012
16-Nov-09
1.06.01.00.1
936,528,749,030
- 0
- 0
936,528,749,030
911250002
25-Nov-09
1.06.01.00.1
936,528,749,030
- 0
4,062,040
936,524,686,990
911250003
25-Nov-09
1.06.01.00.1
936,524,686,990
- 0
5,393,678
936,519,293,312
911250004
25-Nov-09
1.06.01.00.1
936,519,293,312
- 0
8,251,882
936,511,041,430
911250005
25-Nov-09
1.06.01.00.1
936,511,041,430
- 0
4,683,645
936,506,357,786
911250006
25-Nov-09
1.06.01.00.1
936,506,357,786
- 0
2,979,533
936,503,378,253
911250007
25-Nov-09
1.06.01.00.1
936,503,378,253
- 0
6,514,895
936,496,863,358
912040009
4-Dec-09
1.06.01.00.1
936,496,863,358
- 0
- 0
936,496,863,358
912040010
4-Dec-09
1.06.01.00.1
936,496,863,358
- 0
- 0
936,496,863,358
912040011
4-Dec-09
1.06.01.00.1
936,496,863,358
- 0
- 0
936,496,863,358
912080008
8-Dec-09
1.06.01.00.1
936,496,863,358
- 0
6,236,503
936,490,626,855
912080009
8-Dec-09
1.06.01.00.1
936,490,626,855
- 0
8,388,823
936,482,238,032
912080010
8-Dec-09
1.06.01.00.1
936,482,238,032
- 0
8,857,993
936,473,380,039
912080011
8-Dec-09
1.06.01.00.1
936,473,380,039
- 0
9,804,749
936,463,575,290
912140015
14-Dec-09
1.06.01.00.1
936,463,575,290
- 0
90,282,575
936,373,292,715
912160007
16-Dec-09
1.06.01.00.1
936,373,292,715
- 0
8,705,155
936,364,587,559
912160008
16-Dec-09
1.06.01.00.1
936,364,587,559
- 0
- 0
936,364,587,559
912230027
23-Dec-09
1.06.01.00.1
936,364,587,559
1,108,060,123
- 0
937,472,647,682
912230028
23-Dec-09
1.06.01.00.1
937,472,647,682
- 0
170,998,154
937,301,649,528
912240002
24-Dec-09
1.06.01.00.1
937,301,649,528
- 0
6,577,329
937,295,072,199
912240003
24-Dec-09
1.06.01.00.1
937,295,072,199
- 0
3,008,086
937,292,064,113
912240004
24-Dec-09
1.06.01.00.1
937,292,064,113
- 0
4,728,529
937,287,335,584
912240005
24-Dec-09
1.06.01.00.1
937,287,335,584
- 0
8,330,962
937,279,004,622
912240006
24-Dec-09
1.06.01.00.1
937,279,004,622
- 0
5,445,367
937,273,559,254
912240007
24-Dec-09
1.06.01.00.1
937,273,559,254
- 0
2,532,588
937,271,026,666
912310090
31-Dec-09
1.06.01.00.1
937,271,026,666
3
- 0
937,271,026,669
84,000,000,000
- 0
7,548,466,497
76,451,533,503
906300065
30-Jun-09
1.04.05.00.1
EBA-Diperdagangkan
76,451,533,503
7,645,153
- 0
76,459,178,656
907100008
10-Jul-09
1.04.05.00.1
EBA-Diperdagangkan
76,459,178,656
- 0
3,000,000,000
73,459,178,656
0906300065(C)
31-Jul-09
1.04.05.00.1
EBA-Diperdagangkan
JP. Laba EBA yang belum direalisasi per 30 Jun 09
73,459,178,656
- 0
7,645,153
73,451,533,503
907310065
31-Jul-09
1.04.05.00.1
EBA-Diperdagangkan
73,451,533,503
1,469,030,670
- 0
74,920,564,173
0907310065(C)
31-Aug-09
1.04.05.00.1
EBA-Diperdagangkan
74,920,564,173
- 0
1,469,030,670
73,451,533,503
908310044
31-Aug-09
1.04.05.00.1
EBA-Diperdagangkan
73,451,533,503
1,469,030,670
- 0
74,920,564,173
909100016
10-Sep-09
1.04.05.00.1
EBA-Diperdagangkan
74,920,564,173
- 0
4,763,651,046
70,156,913,127
911100016
10-Nov-09
1.04.05.00.1
EBA-Diperdagangkan
70,156,913,127
289,500,000,000
- 0
359,656,913,127
912100012
10-Dec-09
1.04.05.00.1
EBA-Diperdagangkan
359,656,913,127
- 0
4,588,576,417
355,068,336,710
912310103
31-Dec-09
1.04.05.00.1
EBA-Diperdagangkan
355,068,336,710
- 0
187,044,549
354,881,292,161
1.43
1.44
144.40
kewajiban
lending
Inv Jk Pjg
- 0
100,000
334,000
500,000
500,000
499,311
499,440
1,000,000
PT Bank Tabungan Negara (Persero) Jual Beli Tagihan KPR Bersyarat
- 0
- 0
- 0
- 0
- 0
500,000
928,395
- 0
- 0
- 0
- 0
200,000
400,000
400,000
200,000
- 0
- 0
- 0
- 0
200,000
- 0
- 0
- 0
- 0
- 0
- 0
911
3,643
4,064
3,509
4,402
PT MNC Finance (d/h Bhakti Finance) Jual Beli Tagihan KPR Bersyarat
2,551
- 0
- 0
- 0
- 0
1,000
- 0
1,000
Jumlah
- 0
100,000
339,000
533,639
938,271
1,434,021
1,864,118
1,235,189
495,750
404,632
194,639
239,000
100,000
- 0
52.84%
- 0
66,000
334,000
- 0
- 0
- 0
- 0
71,606
PT Bank Tabungan Negara (Persero) Jual Beli Tagihan KPR Bersyarat
71,606
78,587
- 0
- 0
- 0
- 0
200,000
- 0
- 0
- 0
- 0
- 0
- 0
84
415
587
577
597
PT MNC Finance (d/h Bhakti Finance) Jual Beli Tagihan KPR Bersyarat
241
- 0
- 0
- 0
- 0
1,000
- 0
1,000
0
Jumlah
- 0
66,000
339,000
3,354
205,038
75,931
83,166
76,799
- 0
34,000
- 0
530,285
733,233
1,358,090
1,780,952
1,158,390
2005
- 0
2006
100,000
2007
339,000
2008
533,639
2009
938,271
2010
1,434,021
30-Jun
1,864,118
- 0
(217)
(206)
(195)
(185)
(205)
(202)
- 0
- 0
- 0
35,000
35,000
- 0
- 0
- 0
- 0
- 0
11
8
- 0
- 0
(dalam jutaan Rupiah)
Grafik Ekuitas
Grafik Ekuitas
Lapkeu Audited
PER DES 2009, MARET 2010, JUNI 2010
Keterangan
2009
514
954
Saldo laba - tahun berjalan
128
124
218
45
31,347
54,472
PERBANDINGAN RUGI LABA
dalam jutaan rupiah
131
124
-
-
-
43,835
48,790
Candra: dikurangi biaya emisi obligasi
BYMHD & Utang Pjk
dalam jutaan rupiah
2009
2010
ASET
Restitusi
2007
2008
354,881,292,161
269,916,380,465
(14,180,703)
(281,940,842)
Pinjaman Yang Diberikan - Bagian Yang akan Jatuh Tempo Dalam Waktu Satu Tahun
205,037,760,119
75,930,532,528
(450,852)
(28,194,084)
1,330,518,100
1,629,207,775
Pinjaman Yang Diberikan - setelah dikurangi bagian yang akan jatuh tempo dalam waktu Satu Tahun
733,233,266,550
1,358,090,565,662
Surat Utang jangka Menengah
7,613,702,359
19,630,396,995
12,016,694,636
15,609,048,913
7,051,222,222
8,557,826,691
Surat Utang Jangka Menengah
Tunjangan Karyawan
26,138
Pajak
26,112
Kini
(3,260)
(8,496)
77.26
93.45
77.64
38.34
42.42
2008
2009
2010
2010
1,950.80
1,765.80
1,437.90
1,307.70
1,002.00
792.30
695.70
559.50
440.50
371.10
316.00
7,96
7,96
8.01
7.72
7.78
7.69
6.63
5.46
4.77
2.91
3.83
Penerimaan dari Bunga
- 0
- 0
63,327
- 0
n.a
1,000
1,000
n.a
(171,963)
27,547
(13,950)
(177,738)
(124,592)
(672,822)
(335,416)
337,406
-50.15%
(548,230)
53,147
(163,789)
(41,497)
Investasi pada efek
-
- 0
(6,531)
(1,406)
(13,290)
(87)
(35,100)
(26,184)
28,033
54,217
-207.06%
8,916
(35,013)
13,203
(11,884)
Penerimaan Hasil Penerbitan Oblihasi
188,000
615,000
1,000,000
511,239
947,745
1,026,140
998,901
821,075
661,575
511,239
765,441
254,202
49.72%
(150,336)
(159,501)
(177,825)
(27,240)
947,745
1,026,140
998,901
821,075
661,575
511,239
765,441
Investasi Jangka Pendek- - - - 356
Obligasi Yang Diterbitkan- - - - 549
Laba Rugi
Hasil Investasi25 103 67 59 70
Biaya Operasional4 17 21 22 24
Laba Bersih27 89 65 77 93
*) Kegiatan operasional selama 5-1/4 bulan
(dalam miliar rupiah)
- 0
66,000
339,000
3,354
204,038
1000000
- 0
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
yang akan jatuh tempo dalam waktu satu tahun
- 0
34,000
dalam waktu satu tahun
110
368
640
553
7,614
1000000
0
7,061
1277.13%
(88)
-13.68%
272
74.05%
258
234.56%
- 0
- 0
- 0
- 0
250,083
1000000
- 0
250,083
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
66,000
339,000
3,354
204,038
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
34,000
- 0
530,285
733,233
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
Kini
(1,447)
- 0
- 0
(3,260)
(8,496)
1000000
0
(5,236)
160.59%
(3,260)
0.00%
- 0
0.00%
1,447
-100.00%
Tangguhan
404
1,386
(252)
301
427
1000000
0
126
41.96%
553
-219.07%
(1,638)
-118.21%
982
243.39%
Jumlah Aset (%)
Pinjaman yang diberikan (%)
Net Profit Margin (NPM)
Pendapatan (%)
113.56
84.60
78.05
79.83
83.31
Return on Aset (ROA)
Return on Equity (ROE)
Penyaluran Pinjaman (%)
Penyaluran Pinjaman (%)
atau Loan to Financing Ratio***
- 0
- 0
- 0
- 0
1.71
404.98
174.92
222.22
96.77
3.39
1.00
0.95
0.98
0.53
0.40
405.79
152.33
163.28
125.84
3.35
- 0
11.16
3.48
2.36
1.44
0.00
0.01
0.01
0.01
0.43
finc highlights
- 0
0
17
41
52
daft pendapatan
- 0
66,000
339,000
3,354
204,038
1000000
- 0
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
yang akan jatuh tempo dalam waktu satu tahun
- 0
34,000
dalam waktu satu tahun
110
368
640
553
7,614
1000000
0
7,061
1277.13%
(88)
-13.68%
272
74.05%
258
234.56%
- 0
- 0
- 0
- 0
250,083
1000000
- 0
250,083
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
66,000
339,000
3,354
204,038
200,683
5982.91%
(335,646)
-99.01%
273,000
413.64%
66,000
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
0.00%
- 0
34,000
- 0
530,285
733,233
202,948
38.27%
530,285
0.00%
(34,000)
-100.00%
34,000
0.00%
Kini
(1,447)
- 0
- 0
(3,260)
(8,496)
1000000
0
(5,236)
160.59%
(3,260)
0.00%
- 0
0.00%
1,447
-100.00%
Tangguhan
404
1,386
(252)
301
427
1000000
0
126
41.96%
553
-219.07%
(1,638)
-118.21%
982
243.39%
Jumlah Aset (%)
Pinjaman yang diberikan (%)
Net Profit Margin (NPM)
Pendapatan (%)
113.56
84.60
78.05
79.83
83.31
Return on Aset (ROA)
Return on Equity (ROE)
Penyaluran Pinjaman (%)
Penyaluran Pinjaman (%)
atau Loan to Financing Ratio***
- 0
- 0
- 0
- 0
1.71
404.98
174.92
222.22
96.77
3.39
1.00
0.95
0.98
0.53
0.40
405.79
152.33
163.28
125.84
3.35
- 0
11.16
3.48
2.36
1.44
0.00
0.01
0.01
0.01
0.43
finc highlights
- 0
0
17
41
52
daft pendapatan
- -
ABOUT SMF
The first mortgage securitization in Indonesia was succesfully concluded in 2009 and followed by other transaction every year
REALIZATION FUND FLOW BY YEAR
As shown in the presentation, the first SMF lending program has been done in 2006 in the amount of 100 billions rupiah and it increased every year. In year 2011, SMF has disbursed its lending program in the amount of 1,2 trillions rupiah which is given to bank, shariah banks and financing company which originates housing loan.
*
-
Jun-11
463,000
2,129,000
-
-
-
-
-
2005
109.37%
2.65%
2005
-
-
Profit margin
(jutaan Rupiah)
Surat Utang
Penyaluran Pinjaman
Penyaluran Pinjaman
Rasio Primary market to capital (X) kumulatif
Profit margin
Penyaluran Pinjaman
Surat Utang
Penyaluran Pinjaman
Penyaluran Pinjaman
Penyaluran Pinjaman
Penyaluran Pinjaman
2006
84.88%
7.93%
2006
0.10
2007
75.71%
5.51%
2007
0.40
2008
75.61%
6.14%
2008
1.00
2009
74.71%
6.91%
2009
1.90
2010
71.98%
5.44%
2010
3.30
2011
68.83%
3.29%
2011
2.60
2012
66.76%
4.37%
2012
4.33
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Aug
Sep
Okt
Nov
Des
Total
Akumulasi
2005
ABOUT SMF
The used of capital market fund continues to increase housing sector with accumulated volume in 2011 of 5,26 trililion IDR
ACCUMULATIVE FUND FLOW TO THE PRIMARY MARKET
*
CLOSING REMARKS
As the population continue to grow, the needs for housing continue to rise. To build a robust systems of housing finance is critical for Indonesia.
Through strengthening the primary mortgage market and developing secondary mortgage market, availability of sustainable medium to long term fund will eventually increase affordability
The first mortgage securitization in Indonesia was concluded in 2009 and followed with other transactions.
To develop a strong housing finance in Indonesia, it still required government and stake holders supports. i.e: government regulations.
Facilitates funds flow from CAPITAL MARKET to HOUSING SECTOR
HOUSING FINANCE IN INDONESIA
IndonesiaIndiaThailandChinaKoreaMalaysiaSingaporeTaiwanHongkongGermanyUKUSADenmark
2%8%17%20%26%29%32%39%41%46%81%84%95%
Milllion IDR
Current Assets2.128.038 1.048.132 885.161 673.117 827.754 1.002.721
Loan2.611.695 1.434.022 938.271 533.639 339.000 100.000
Fixed Assets78.207 88.963 104.038 61.456 21.396 20.427
LIABILITIES2.310.322 1.142.831 575.888 10.078 7.277 7.373
Current Liabilities38.407 25.793 22.415 6.991 5.251 6.109
Bonds Payable2.267.106 1.113.960 549.376 - - -
EQUITY2.507.618 1.428.286 1.351.582 1.258.134 1.180.873 1.115.775
Capital Stock2.000.000 1.000.000 1.000.000 1.000.000 1.000.000 1.000.000
Retained Earning507.618 428.286 351.582 258.134 180.873 115.775
REVENUES113.266 107.864 125.080 102.182 85.979 104.280
COST33.157 30.226 31.633 24.921 20.881 15.769
NET INCOME 80.109 77.638 93.447 77.261 65.098 88.511
2005200620072008200920102011
Securitization- - - - 502.000 750.000 703.000
Years