MONTHLY STATISTICAL BULLETIN

DECEMBER 2012

CONTENTS

Page

Monetary and Financial Developments

1.

Monetary Sector

1.1

Currency in Circulation

12

1.1.1 Currency in Circulation by Denomination: Notes

13

1.1.2 Currency in Circulation by Denomination: Coins

14

1.2

Monetary Aggregates: M0, M1, Quasi Money, and M2

15

1.3

Autoriti Monetari Brunei Darussalam: Statement of Assets

16

1.4

Autoriti Monetari Brunei Darussalam: Statement of Capital and Liabilities

17

1.5

Brunei Government Securities: Sukuk Al-IJarah Issuances and Outstanding

18

1.5.1 Brunei Government Securities: Sukuk Al-Ijarah Yields

19

2.

Banking Sector

2.1

Banking System including TAIB: Statement of Assets

20

2.2

Banking System including TAIB: Statement of Capital and Liabilities

21

2.3

Banking System including TAIB: Direction of Lending

22

2.4

Banking System including TAIB: Non-Performing Loans (NPL) / NPL Ratio

23

3.

Insurance / Takaful Sector

3.1

Insurance / Takaful: Assets

24

3.2

Insurance / Takaful: Gross Premiums

25

3.3

Insurance / Takaful: Gross Claims

26

4.

Other Statistics

4.1

Interest Rates: Banking Institutions

27

4.2

Exchange Rates: Bruneian Dollar

28

GLOSSARY
A
Active Circulation*

Active Circulation does not include commemorative coins, cash holdings of commercial banks in
Brunei, and Brunei currency held by MAS pending repatriation.

B
Broad Money*

Broad Money consists of Narrow Money and Quasi Money.

C
Central Bank (CB)

CB is the national financial institution that exercises control over key aspects of the financial system
and carries out such activities as issuing currency, managing international reserves, transacting with
the IMF, and providing credit to other depository corporations.

Currency

Currency consists of notes and coins that are of fixed nominal values and are issued by central bank.

Deposits

Deposits include all claims on the central bank, other depository corporations, government units,
and in some cases, other institutional units that are represented by evidence of deposit.

F
Financial Derivatives

Financial Derivatives contract is a financial instrument that is linked to a specific financial

instrument, indicator, or commodity, and through which specific financial risks can be traded in their
own right in financial markets.

Foreign-controlled Nonfinancial
Corporations

Foreign-controlled Nonfinancial Corporations are resident nonfinancial corporations and quasicorporations controlled by nonresidents.

M
Monetary Gold

Monetary Gold consists only of gold held by the Central Bank or government as part of official
reserves.

N
Narrow Money*

Narrow Money consists of Currency Outside Banks, and Demand Deposits of Private Sector.

National Private Nonfinancial

Corporations

National Private Nonfinancial Corporations are resident nonfinancial corporations and quasicorporations that are not controlled by government or nonresident units.

Nonfinancial Assets

Nonfinancial Assets consist of tangible assets, both produced and nonproduced, and intangible assets
for which no corresponding liabilities are recorded.

Nonfinancial Corporations

Nonfinancial Corporations sector encompasses corporations and quasi-corporations engaging

primarily in the production of goods and nonfinancial services.

O
Other Depository Corporations
(ODCs)

ODCs subsector consists of all resident financial corporations (except the central bank) and quasicorporations that are mainly engaged in financial intermediation and that issue liabilities included in
the national definition of broad money.

Other Financial Corporations

(OFCs)

OFCs subsector consists of insurance corporations and pension funds, other financial intermediaries,
and financial auxiliaries.

Other Nonfinancial Corporations

(ONFCs)

ONFCs comprise foreign-controlled and national private nonfinancial corporations.

P
Public Nonfinancial Corporations
(PNFCs)

PNFCs are resident nonfinancial corporations and quasi-corporations controlled by the government
units.

Quasi-Corporations

Quasi-Corporations are unincorporated enterprises that function as corporations

Quasi Money*

Quasi Money consists of Fixed Deposits, and Savings and Other Deposits.

S
Securities Other Than Shares

Securities Other Than Shares are negotiable instruments serving as evidence that units have
obligations to settle by means of providing cash, a financial instrument, or some other item of
economic value.

Shares and Other Equity

Shares and Other Equity comprise all instruments and records acknowledging after the claims of all
creditors have been met, claims on the residual value of a corporations.

Special Drawing Rights (SDRs)

SDRs are international reserve assets created by the International Monetary Fund (IMF) and allocated
to members to supplement existing official reserves.

*Definition in Bruneis context

Source: Monetary and Financial Statistics Manual (MFSM), 2000

Monetary Sector:

Currency in Circulation
2,500

B$ Millions

2,000

1,627

1,500
1,000

Currency in Circulation

500
0
Jan Feb Mar Apr May Jun July Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun July Aug Sep Oct Nov Dec
2011

2012

Monetary Aggregates
16,000

13,962

14,000
B$ Millions

12,000

9,668

10,000

Narrow Money

8,000
6,000

4,293

4,000

Quasi Money
Broad Money

2,000
0
Jan Feb Mar Apr May Jun July Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun July Aug Sep Oct Nov Dec

2011

2012

Banking Sector:

Banking System: Assets and Deposits

25,000
19,682
17,370

B$ Millions

20,000
15,000
10,000
5,000
0

Jan Feb Mar Apr May Jun July Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun July Aug Sep Oct Nov Dec
2011

2012
Assets

Deposits

Direction of Lending
6,000

5,220

B$ Millions

5,000
1,961

4,000

Non-household Sector
3,000

Household Sector

2,000

2,952

Foreign Lending
Loans and Advances / Financing

1,000
307

0
Q1

Q2

Q3

Q4

Q1

Q2

2011

Q3
2012

Q4

Insurance/Takaful Sector:

Insurance / Takaful: Assets

1,400

1,246

B$ Millions

1,200
367

1,000
800

Takaful

600
879

400

Conventional
Total

200
0
Q1

Q2

Q3

Q4

Q1

Q2

2011

Q3

Q4

2012

B$ Millions

Insurance / Takaful: Gross Premiums

90
80
70
60
50
40
30
20
10
0

56
25

Takaful
Conventional

31
Q1

Q2

Q3

Q4

Q1

2011

Q2

Q3
2012

Q4

Total

Insurance / Takaful: Gross Claims

35

32

30
12

B$ Millions

25
20

Takaful

15

Conventional

10

20

5
0
Q1

Q2

Q3

Q4

Q1

2011

Q2

Q3
2012

Q4

Total

Other Statistics:

0.900
0.800
0.700
0.600
0.500
0.400
0.300
0.200
0.100
0.000

0.440

Average Deposit Rate 3 Months

2011

Average Deposit Rate 6 Months

Average Deposit Rate 12 Months

Dec

Nov

Oct

Sep

Aug

July

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

July

Jun

May

Apr

Mar

Feb

0.283
0.202

Jan

Percentage

Interest rates: Banking Institutions

2012

0.399

2.000

1.984

1.500

1.611
1.408
1.269
1.222

1.000

0.158
0.500

0.040

2011

2012

10

Dec

Nov

Oct

Sep

Aug

July

Jun

May

Apr

Mar

Feb

Jan

Dec

Nov

Oct

Sep

Aug

July

Jun

May

Apr

Mar

Feb

0.000

0.450
0.400
0.350
0.300
0.250
0.200
0.150
0.100
0.050
0.000

BND to 100 unit of foreign currency

2.500

Jan

BND to 1 unit of foreign currency (except

JPY)

Exchange Rates: End of Period

USD - Left Axis
GBP - Left Axis
AUD - Left Axis
EUR - Left Axis
JPY - Left Axis
HKD - Right Axis
MYR - Right Axis
THB - Right Axis

1.1 Currency in Circulation

Millions of Brunei Dollars
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Gross Circulation
Total

Notes
1,002
979
950
973
971
942
953
971
915
1,002
1,004
1,690
998
1,126
1,239
2,347
2,062
2,125
2,109
1,849
1,624
1,610
1,499
1,627

Active Circulation

Coins
968
945
915
938
936
907
918
936
880
967
968
1,654
962
1,090
1,203
2,311
2,026
2,089
2,073
1,812
1,587
1,574
1,462
1,590

34
34
35
35
35
35
35
35
35
35
35
35
36
36
36
36
36
36
36
36
37
37
37
37

Source: Monetary Operations Department, AMBD

11

794
806
771
805
791
757
774
797
746
760
759
1,419
767
863
865
1,609
1,122
1,153
1,065
1,069
951
930
830
928

Active Circulation Over Gross

Circulation
79%
82%
81%
83%
81%
80%
81%
82%
81%
76%
76%
84%
77%
77%
70%
69%
54%
54%
51%
58%
59%
58%
55%
57%

1.1.1 Currency in Circulation by Denomination: Notes

Millions of Brunei Dollars
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Notes
Total
967.8
944.8
915.3
938.2
936.3
907.3
918.0
935.7
880.0
967.2
968.3
1,654.5
962.2
1,089.9
1,202.9
2,310.6
2,025.8
2,088.9
2,072.7
1,812.2
1,587.0
1,573.6
1,462.3
1,590.0

B$1
30.8
30.4
29.9
29.7
29.8
29.8
30.6
35.4
33.7
32.4
31.9
31.6
32.8
32.1
31.8
31.7
31.7
31.7
32.1
37.7
35.5
34.0
33.4
33.4

B$5
20.3
19.9
19.3
19.0
18.9
19.0
19.8
22.5
21.5
20.7
20.3
20.3
22.0
21.2
20.9
20.7
20.7
20.6
20.8
23.6
22.4
21.7
21.4
21.5

B$10
102.6
101.7
99.9
100.6
100.9
100.4
103.2
107.3
104.1
103.7
104.5
109.5
112.3
108.3
106.7
106.6
110.2
108.5
116.6
114.8
110.4
110.0
109.2
117.5

B$20
10.2
10.2
10.1
10.1
10.1
10.2
10.2
10.2
10.2
10.2
10.2
10.3
10.6
10.5
10.5
10.5
10.4
10.4
10.5
10.8
10.7
10.7
10.7
10.7

Source: Monetary Operations Department, AMBD

12

B$25
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.6
8.5
8.5
8.5
8.5
8.5

B$50
42.3
40.4
39.1
38.9
39.0
38.6
38.6
38.9
37.1
36.5
36.9
37.4
40.0
38.5
38.5
37.9
37.9
37.2
38.6
40.8
39.8
38.0
38.3
39.1

B$100
406.4
399.0
377.2
384.9
383.1
386.3
394.7
402.2
375.8
384.0
386.7
465.9
429.1
405.5
392.8
403.5
413.9
415.3
489.7
426.7
435.5
426.5
420.4
525.9

B$500
174.7
165.8
163.2
167.8
169.2
165.3
164.3
166.1
159.0
158.9
159.4
169.3
171.3
170.0
168.8
168.6
174.5
177.7
184.5
180.2
177.6
177.9
178.3
188.4

B$1,000
64.1
61.7
61.0
75.9
74.6
72.5
73.4
73.2
63.4
61.7
61.0
61.7
62.7
63.7
63.1
63.9
83.4
86.0
86.4
82.7
78.7
77.9
78.6
78.7

B$10,000
107.9
106.9
106.9
102.7
102.2
76.5
74.7
71.3
66.5
150.6
148.7
740.0
72.8
231.5
361.4
1,458.7
1,134.5
1,193.0
1,085.0
886.5
667.8
668.4
563.3
566.2

1.1.2 Currency in Circulation by Denomination: Coins

Millions of Brunei Dollars
Coins

0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02

0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.14
0.14
0.14
0.15
0.16
0.17
0.17
0.18
0.18
0.19
0.19
0.19
0.20
0.20
0.20
0.22
0.26

Note: $1 - $1,000 coins are commemorative coins

Source: Monetary Operations Department, AMBD

13

0.32 0.38
0.32 0.38
0.32 0.38
0.32 0.38
0.32 0.38
0.32 0.38
0.32 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.32 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38
0.33 0.38

$1,000

$5

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

$750

$3

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01

$500

$2.50

0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08

$250

$2

8.01
8.04
8.08
8.12
8.15
8.17
8.23
8.25
8.29
8.33
8.36
8.40
8.45
8.50
8.54
8.59
8.63
8.67
8.72
8.75
8.82
8.86
8.90
8.94

$200

$1

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

$100

50 cents

8.05
8.07
8.11
8.13
8.17
8.18
8.24
8.26
8.29
8.33
8.35
8.38
8.42
8.47
8.51
8.54
8.58
8.60
8.64
8.67
8.73
8.76
8.81
8.84

$50

25 cents

6.05
6.07
6.09
6.10
6.11
6.12
6.16
6.17
6.19
6.21
6.22
6.25
6.26
6.29
6.32
6.34
6.36
6.38
6.41
6.42
6.46
6.49
6.50
6.52

$30

20 cents

2.17
2.17
2.19
2.20
2.21
2.22
2.24
2.24
2.25
2.26
2.27
2.28
2.29
2.30
2.31
2.32
2.33
2.34
2.35
2.36
2.37
2.38
2.39
2.40

$25

10 cents

0.43
0.43
0.44
0.44
0.44
0.45
0.45
0.45
0.46
0.47
0.47
0.48
0.48
0.49
0.50
0.50
0.50
0.50
0.50
0.50
0.51
0.52
0.52
0.53

$20

5 cents

34.39
34.48
34.60
34.69
34.78
34.84
35.03
35.10
35.20
35.31
35.40
35.52
35.64
35.80
35.92
36.03
36.18
36.27
36.40
36.49
36.67
36.79
36.93
37.07

$10

1 cent

2011 Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
2012 Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Total

End of
Period

0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20
0.20

0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09

0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49
0.49

0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97

0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.32

0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25
0.25

0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99
0.99

0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75

4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70
4.70

1.2 Monetary Aggregates: M0, M1, Quasi Money, and M2

Millions of Brunei Dollars
M2: Broad Money
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

M0: Currency in
Circulation
1,002
979
950
973
971
942
953
971
915
1,002
1,004
1,690
998
1,126
1,239
2,347
2,062
2,125
2,109
1,849
1,624
1,610
1,499
1,627

M1: Narrow Money

Currency Outside
Banks
840
805
796
820
817
788
790
805
765
768
773
831
820
808
799
791
845
887
897
1,087
961
946
854
926

Demand Deposits
2,787
2,861
3,142
3,096
3,362
3,070
2,533
2,610
2,917
3,341
3,191
3,401
4,938
3,211
3,687
4,301
3,509
3,480
3,764
3,597
3,523
3,642
3,870
3,367

Source: Monetary Policy and Management Department, AMBD

14

Total
3,627
3,665
3,938
3,916
4,179
3,859
3,323
3,416
3,682
4,108
3,963
4,232
5,758
4,019
4,826
5,092
4,354
4,367
4,661
4,683
4,484
4,588
4,724
4,293

Quasi Money
8,704
8,977
9,047
9,303
9,280
9,361
9,836
9,664
9,386
9,899
9,921
9,604
9,071
9,797
10,009
9,339
9,762
9,441
9,630
9,466
9,524
10,315
9,719
9,668

Total
12,331
12,643
12,985
13,219
13,459
13,220
13,159
13,079
13,068
14,007
13,884
13,836
14,829
13,816
14,835
14,431
14,116
13,808
14,291
14,149
14,008
14,903
14,444
13,962

1.3 Autoriti Monetari Brunei Darussalam : Statement of Assets

Millions of Brunei Dollars
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Total Assets
3,765
3,771
3,770
3,779
3,860
3,833
3,825
4,034
4,052
4,062
4,152
4,731
4,019
4,152
4,371
5,357
5,102
5,138
5,051
4,856
4,630
5,195
4,705
4,937

Monetary Gold
and SDRs

Currency and
Deposits

435
434
432
431
427
426
417
420
584
579
588
568
557
556
558
551
557
554
543
611
607
605
604
643

1,862
1,871
1,864
1,864
1,940
1,922
1,909
1,989
1,816
1,864
1,933
2,658
1,968
2,104
2,312
3,226
2,854
2,815
2,694
2,405
1,990
2,602
2,020
2,123

Securities Other
Than Shares
603
602
613
612
627
622
639
767
771
764
768
636
635
632
649
735
845
926
982
1,000
1,160
1,450
1,545
1,622

Source: Monetary Policy and Management Department, AMBD

15

Shares and
Other Equity

Loans
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

57
57
56
61
57
56
54
48
50
54
54
54
55
57
58
56
51
53
55
57
58
61
61
62

Nonfinancial
Assets
44
44
44
44
44
44
51
52
53
53
53
53
52
53
53
53
53
51
51
50
52
51
51
61

Other Assets
764
763
762
769
765
764
755
758
777
748
754
761
751
750
742
735
741
738
727
732
763
427
425
426

1.4 Autoriti Monetari Brunei Darussalam : Statement of Capital and Liabilities

Millions of Brunei Dollars
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Total
Liabilities
3,765
3,771
3,770
3,779
3,860
3,833
3,825
4,034
4,052
4,062
4,152
4,731
4,019
4,152
4,371
5,357
5,102
5,138
5,051
4,856
4,630
5,195
4,705
4,937

Paid-up
Capital
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000
1,000

Currency in
Circulation

Deposits

1,002
979
950
973
971
942
953
971
915
1,002
1,004
1,690
998
1,126
1,239
2,347
2,062
2,125
2,109
1,849
1,624
1,610
1,499
1,627

1,183
1,211
1,238
1,222
1,306
1,307
1,289
1,473
1,534
1,461
1,537
1,452
1,439
1,441
1,547
1,431
1,452
1,427
1,363
1,419
1,422
1,999
1,620
1,710

Source: Monetary Policy and Management Department, AMBD

16

Securities Other
Than Shares
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

SDR
Allocations

Loans
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

409
408
406
405
402
400
392
395
413
403
409
406
396
395
396
390
396
393
382
388
385
383
381
383

Other
Liabilities
171
173
176
180
180
183
190
195
189
195
202
182
186
190
189
189
192
192
196
201
200
203
205
217

1.5 Brunei Government Securities: Sukuk Al-Ijarah Issuances and Outstanding

Millions of Brunei Dollars
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Issuances
Total

3 Months
72
85
82
71
181
100
100
200
100
200
200
100
200
100
200
100
100
200
100

Outstanding

1 Year
72
85
82
71
85
100
100
200
100
200
200
100
200
100
100
100
100
200
100

96
100
-

Source: Monetary Policy and Management Department, AMBD

17

135
100
65
137
222
304
303
334
352
381
496
496
396
196
296
496
596
596
496
500
400
400
500
500

1.5.1 Brunei Government Securities: Sukuk Al-Ijarah Yield

Percent per annum
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Maturity
3 Months
0.275
0.270
0.280
0.265
0.230
0.210
0.173
0.150
0.117
0.151
0.156
0.175
0.170
0.200
0.195
0.192
0.188
0.185
0.185
0.180
0.173
0.165
0.160

1 Year
0.340
0.340
0.340
0.340
0.340
0.340
0.340
0.350
0.350
0.350
0.350
0.350
0.350
0.350
0.350
0.350
0.350
0.350
0.280
0.280
0.280
0.280
0.280
0.280

Source: Monetary Policy and Management Department, AMBD

18

2.1 Banking System including TAIB: Statement of Assets

Millions of Brunei Dollars

End of
Period

Total
Assets

Notes
and
Coins
Held

Minimum
Cash
Balance
with
AMBD

631
Jan
16,394
168
670
Feb
16,118
181
672
Mar
17,906
159
663
Apr
17,583
156
735
May
17,092
162
738
Jun
18,522
159
730
July
17,810
170
807
Aug
17,880
174
826
Sep
19,624
157
803
Oct
19,821
241
872
Nov
19,224
237
910
Dec
21,121
864
889
2012 Jan
19,690
186
890
Feb
18,710
326
986
Mar
20,725
445
859
Apr
18,912 1,563
860
May
18,105 1,222
915
Jun
20,105 1,242
816
July
19,101 1,215
1,067
Aug
18,332
767
976
Sep
20,405
669
1,452
Oct
19,553
668
1,074
Nov
18,707
651
1,166
Dec
19,682
712
Source: Regulatory Department, AMBD

2011

Amount Due From Banks and

Financial Institutions
Total
8,752
8,469
10,479
10,049
9,284
11,105
10,442
10,410
11,883
11,899
11,010
12,116
11,444
10,543
12,466
9,434
8,856
10,879
10,141
9,666
11,857
10,468
9,953
10,776

In Brunei
Darussalam

Outside
Brunei
Darussalam

973
1,046
1,085
1,031
1,138
1,342
1,019
1,079
898
1,034
903
1,014
822
820
1,144
1,035
811
1,216
1,073
1,342
1,487
826
892
1,056

7,779
7,424
9,394
9,018
8,146
9,763
9,423
9,331
10,986
10,865
10,108
11,102
10,622
9,723
11,322
8,399
8,044
9,663
9,068
8,324
10,370
9,642
9,062
9,720

19

Loan and Advances / Financing (Net)

Total
4,838
4,840
4,789
4,799
4,788
4,377
4,412
4,460
4,492
4,517
4,554
4,758
4,680
4,656
4,584
4,646
4,753
4,693
4,717
4,738
4,862
4,788
4,799
4,896

Loan and
Investments
Advances / Specific
General
Financing Provisions Provisions
(Gross)
5,172
294
40
1,801
5,177
297
40
1,767
5,126
296
41
1,615
5,140
300
41
1,718
5,132
302
42
1,949
4,714
299
38
1,964
4,749
299
39
1,862
4,798
300
39
1,815
4,834
302
40
2,058
4,846
288
41
2,140
4,888
291
43
2,335
5,091
297
35
2,254
5,013
298
36
2,273
4,988
297
34
2,092
4,899
280
35
2,037
4,961
279
36
2,204
5,062
272
37
2,206
5,002
271
39
2,173
5,025
268
39
2,004
5,046
270
39
1,883
5,171
269
41
1,820
5,096
266
42
1,958
5,100
262
39
2,003
5,200
270
34
1,917

Other
Assets

204
190
192
197
174
179
195
213
207
221
217
217
219
203
207
207
209
204
208
211
221
219
227
215

2.2 Banking System including TAIB: Statement of Capital and Liabilities

Deposits (Non-bank Customers)
End of Period

2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Total
Liabilities
16,394
16,118
17,906
17,583
17,092
18,522
17,810
17,880
19,624
19,821
19,224
21,121
19,690
18,710
20,725
18,912
18,105
20,105
19,101
18,332
20,405
19,553
18,707
19,682

Total
13,475
13,083
14,938
14,644
14,040
15,411
15,054
14,910
16,980
17,004
16,574
18,353
17,042
16,036
17,753
16,146
15,309
17,025
16,233
15,484
17,423
16,783
15,839
16,745

Demand
3,653
3,485
4,019
3,768
3,953
3,895
3,323
3,402
4,499
4,645
4,522
6,027
5,950
4,017
5,669
5,290
4,175
4,704
4,518
4,350
5,806
4,443
4,495
4,576

Savings

Due to Banks
Time

3,205
3,299
3,280
3,271
3,332
3,370
3,427
3,460
3,476
3,567
3,616
3,822
3,722
3,736
3,649
3,815
3,946
3,865
3,886
3,719
3,775
3,781
3,854
4,010

6,436
6,119
7,461
7,433
6,584
7,974
8,132
7,878
8,835
8,645
8,258
8,311
7,199
8,114
8,263
6,866
7,013
8,285
7,649
7,235
7,658
8,375
7,303
7,969

Source: Regulatory Department, AMBD

20

Others
181
181
178
172
171
172
171
170
170
147
178
194
170
169
172
176
177
171
180
180
184
184
187
190

Total
807
900
860
813
915
960
627
767
450
619
419
576
418
380
693
505
502
762
630
555
657
408
479
624

In Brunei
Darussalam
559
557
649
597
597
767
444
536
313
447
263
438
228
175
508
352
251
618
468
413
506
256
300
461

Millions of Brunei Dollars

Other
(Capital
Outside
Funds and
Brunei
Other
Darussalam Liabilities)
248
2,111
343
2,134
211
2,107
215
2,126
318
2,137
192
2,154
183
2,130
231
2,203
137
2,194
172
2,198
157
2,231
138
2,191
190
2,231
205
2,294
185
2,279
153
2,260
251
2,293
144
2,317
162
2,237
142
2,293
150
2,326
153
2,363
179
2,388
163
2,313

2.3 Banking System including TAIB: Direction of Lending

Millions of Brunei Dollars
Loans and Advances / Financing
Domestic Lending
Household Sector

Non-household Sector

Transportation

Infrastructure

Traders

Services

Commercial (Property Development)

and Other Construction

Tourism

Telecommunication and Information

Technology

1,995
1,617
1,663
1,763
1,758
1,863
1,984
1,961

23
25
25
24
25
21
21
23

28
45
166
266
226
228
213
214

146
156
153
353
263
292
445
350

552
121
115
96
90
139
161
218

153
158
177
187
181
163
154
181

347
353
377
373
384
395
408
418

180
195
200
215
204
215
225
223

400
395
285
79
226
246
195
177

80
80
80
82
72
74
76
81

88
89
85
87
87
90
86
77

Foreign Lending

Manufacturing

21

Financial

Source: Regulatory Department, AMBD

152
150
151
154
157
163
172
181

Agricultural

1,867 931 361 418

1,786 946 362 434
1,735 965 377 437
1,689 978 374 450
1,632 993 373 463
1,614 1,004 384 457
1,590 1,036 384 479
1,539 1,090 384 525

25
27
29
31
33
39
53
90

Housing Purchase

17
15
13
11
9
7
6
5

Home Improvement (Structural,

Renovation etc.)

Land Purchases and Constructions

123
141
135
142
136
139
140
137

Total

134
127
119
112
105
100
93
91

General Consumption and Other

Personal Loans

Credit Card

2,167
2,097
2,032
1,985
1,914
1,899
1,881
1,862

Home Improvement - Interior

Decorations etc.
Consumer Durables

Vehicle (Automobiles)

3,098
3,043
2,997
2,964
2,907
2,903
2,917
2,952

Total

5,092
4,660
4,659
4,727
4,665
4,765
4,901
4,913

Total

5,127
4,713
4,832
5,090
4,899
5,001
5,169
5,220

Total

Total

End of Period
2011 Q1
Q2
Q3
Q4
2012 Q1
Q2
Q3
Q4

Property Financing

Total

Personal Loans

35
53
173
363
234
236
268
307

2.4 Banking System including TAIB: Non-Performing Loans (NPL)

Millions of Brunei Dollars
NPL Category
End of Period
2011

2012

Q1
Q2
Q3
Q4
Q1
Q2
Q3
Q4

Total
706
453
433
399
374
361
363
354

Over 90 days less 180 days

Over 180 days less 360 days

312
57
40
35
39
33
38
34

38
33
34
29
28
27
29
29

Source: Regulatory Department, AMBD

22

Over 360 days

356
363
359
335
307
301
297
291

NPL Ratio
13.8
9.6
9.0
7.8
7.6
7.2
10.8
9.9

3.1 Insurance / Takaful: Assets

Millions of Brunei Dollars
Assets
End of Period
2011

2012

Q1
Q2
Q3
Q4
Q1
Q2
Q3
Q4

Total
1,019
1,041
1,170
1,186
1,236
1,229
1,230
1,246

Conventional
Total
835
855
841
851
877
869
879
879

Takaful
Non-Life
112
108
109
113
118
116
117
120

Life
723
747
732
738
759
752
761
759

Source: Regulatory Department, AMBD

23

Total
184
186
329
335
358
360
352
367

Non-life
82
86
192
192
203
205
204
205

Family
102
100
136
144
155
156
148
162

3.2 Insurance / Takaful: Gross Premiums

Millions of Brunei Dollars
Gross Premiums
End of Period
2011

2012

Q1
Q2
Q3
Q4
Q1
Q2
Q3
Q4

Total
76
70
57
63
83
78
66
56

Conventional
Total
38
28
34
37
40
31
35
31

Takaful
Non-Life
19
11
17
18
23
13
18
12

Life
20
17
17
18
16
18
17
19

Source: Regulatory Department, AMBD

24

Total
37
42
23
26
44
47
30
25

Non-Life
21
38
18
21
28
42
25
19

Family
17
4
4
5
16
5
5
6

3.3 Insurance / Takaful: Gross Claims

Millions of Brunei Dollars
Gross Claims
End of Period
2011

2012

Q1
Q2
Q3
Q4
Q1
Q2
Q3
Q4

Total
20
25
24
29
27
26
29
32

Conventional
Total
15
18
19
18
16
15
18
20

Takaful
Non-Life
3
3
4
4
4
3
3
3

Life
12
15
15
14
13
13
14
17

Source: Regulatory Department, AMBD

25

Total
5
7
5
11
10
11
12
12

Non-Life
4
5
5
8
9
7
9
8

Family
1
2
1
3
2
3
3
4

4.1 Interest Rates: Banking Institutions

Percent per annum
End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

Average Deposit Rate 3

Months
0.419
0.421
0.425
0.429
0.418
0.418
0.407
0.374
0.368
0.361
0.355
0.354
0.296
0.258
0.246
0.246
0.243
0.248
0.249
0.200
0.199
0.198
0.194
0.202

Average Deposit Rate 6

Months
0.537
0.537
0.537
0.535
0.527
0.528
0.504
0.464
0.467
0.460
0.454
0.454
0.399
0.354
0.342
0.344
0.344
0.350
0.348
0.290
0.284
0.283
0.273
0.283

Average Deposit Rate 12

Months
0.821
0.821
0.814
0.813
0.784
0.783
0.759
0.782
0.706
0.692
0.641
0.640
0.589
0.533
0.508
0.504
0.503
0.502
0.501
0.448
0.443
0.442
0.440
0.440

Source: Regulatory Department, AMBD

26

Prime Lending Rate

5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500
5.500

4.2 Exchange Rates: Bruneian Dollar

BND to 1 unit
Period

USD

GBP

AUD

Brunei Dollar to 100 unit

EUR

HKD

MYR

JPY

THB

BND to 1 unit
USD

GBP

AUD

End of Period
2011

2012

Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
July
Aug
Sep
Oct
Nov
Dec

1.287
1.274
1.262
1.228
1.233
1.229
1.204
1.205
1.300
1.250
1.296
1.301
1.255
1.247
1.257
1.237
1.288
1.274
1.245
1.252
1.225
1.221
1.221
1.222

2.046
2.067
2.021
2.046
2.029
1.972
1.978
1.957
2.037
2.018
2.013
2.015
1.983
1.993
2.014
2.009
1.985
1.987
1.952
1.979
1.985
1.968
1.954
1.984

1.276
1.295
1.302
1.344
1.316
1.317
1.324
1.289
1.263
1.321
1.318
1.323
1.336
1.343
1.302
1.291
1.254
1.295
1.308
1.288
1.274
1.266
1.272
1.269

1.752
1.756
1.785
1.813
1.776
1.781
1.734
1.731
1.750
1.738
1.723
1.681
1.646
1.668
1.678
1.638
1.593
1.602
1.532
1.569
1.578
1.582
1.585
1.611

0.164
0.163
0.162
0.158
0.159
0.158
0.155
0.155
0.168
0.162
0.165
0.167
0.162
0.161
0.162
0.160
0.166
0.163
0.161
0.161
0.158
0.157
0.157
0.158

Brunei Dollar to 100 unit

EUR

HKD

MYR

JPY

THB

0.420
0.419
0.418
0.414
0.411
0.408
0.406
0.405
0.406
0.407
0.409
0.410
0.411
0.415
0.413
0.409
0.407
0.402
0.398
0.400
0.400
0.401
0.400
0.399

1.557
1.545
1.553
1.498
1.527
1.534
1.535
1.569
1.631
1.664
1.663
1.665
1.662
1.596
1.525
1.539
1.586
1.611
1.596
1.586
1.575
1.550
1.509
1.455

0.042
0.042
0.042
0.041
0.041
0.040
0.040
0.040
0.041
0.041
0.042
0.042
0.041
0.041
0.041
0.041
0.040
0.040
0.040
0.040
0.040
0.040
0.040
0.040

Average for Period

0.419
0.417
0.417
0.414
0.409
0.407
0.406
0.405
0.408
0.408
0.404
0.409
0.413
0.417
0.411
0.409
0.406
0.401
0.398
0.399
0.402
0.401
0.401
0.399

1.559
1.555
1.516
1.508
1.513
1.525
1.568
1.571
1.697
1.605
1.651
1.686
1.650
1.543
1.518
1.550
1.645
1.586
1.594
1.591
1.575
1.530
1.479
1.408

Source: Bloomberg

27

0.042
0.042
0.042
0.041
0.041
0.040
0.041
0.040
0.042
0.041
0.042
0.041
0.041
0.041
0.041
0.040
0.041
0.040
0.040
0.040
0.040
0.040
0.040
0.040

1.288
1.277
1.269
1.248
1.237
1.235
1.217
1.209
1.251
1.279
1.290
1.296
1.281
1.254
1.258
1.252
1.263
1.278
1.262
1.249
1.232
1.225
1.223
1.221

2.030
2.059
2.049
2.042
2.023
2.002
1.965
1.978
1.976
2.012
2.037
2.020
1.985
1.981
1.993
2.003
2.010
1.989
1.966
1.962
1.984
1.968
1.953
1.970

1.282
1.288
1.282
1.321
1.322
1.310
1.311
1.270
1.279
1.296
1.302
1.311
1.332
1.345
1.326
1.295
1.259
1.277
1.299
1.307
1.280
1.260
1.273
1.277

1.720
1.743
1.778
1.803
1.774
1.778
1.739
1.734
1.723
1.751
1.747
1.704
1.651
1.660
1.663
1.647
1.615
1.604
1.550
1.548
1.585
1.588
1.571
1.602

0.165
0.164
0.163
0.160
0.159
0.159
0.156
0.155
0.161
0.164
0.166
0.167
0.165
0.162
0.162
0.161
0.163
0.165
0.163
0.161
0.159
0.158
0.158
0.157