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Statistik Perbankan Syariah
(Islamic Banking Statistics)
Direktorat Perbankan Syariah
DESEMBER 2007 DECEMBER
Statistik Perbankan Syariah (Islamic Banking Statistics)
ii
DAFTAR ISI CONTENTS
Halaman (Page)
Daftar Isi ............................................................................................................ ii Contents
Tabel 1. Jaringan Kantor..................................................................................... 1 Networking
Tabel 2. Aset ……………………......................................................................... 3 Assets
Tabel 3. Kewajiban dan Modal........................................................................... 4 Liabilities and Equity
Tabel 4. Laba/Rugi……………………......................................................... ......... 5 Income Statement
Gambar 1. Perkembangan Aset …………………….……………………………………... 6 Growth of Assets of Islamic Banks
Gambar 2. Sumber Dana ……………………. …………………………………………….. 6 Sources of Fund of Islamic Banks
Tabel 5. Komposisi Dana Pihak Ketiga................................................................ 7 Composition of Deposits
Gambar 3. Jumlah Rekening Dana Pihak Ketiga...................................................... 7 Composition of Deposits
Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga................................................ 8 Percentage of Profit Sharing of Deposits
Gambar 5. Komposisi Deposito Mudharabah.......................................................... 8 Composition of Mudharabah Deposit Account
Gambar 6. Aktiva Produktif Utama Perbankan Syariah............................................ 9 The major Earning Assets
Tabel 6. Komposisi Pembiayaan Perbankan Syariah............................................. 9 Composition of Financing
Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi.................. 10 Financing based on Economic Sector
Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan.............. .............................. 10 Financing based on Type of Use
Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan...... .............................. 11 Financing based on Type of Financing
Gambar 9. Jumlah Rekeing Pembiayaan.................................................................. 11 Number of Account Financing
Gambar 10. Persentase Bagi Hasil/Fee/Margin Pembiayaan........................................ 12 Percentage of Profit Sharing/Fee/Margin of Financing
Gambar 11. Komposisi Penggunaan dan Sumber Dana.............................................. 13 Composition of Uses and Sources of Fund
Gambar 12. Rincian Surat Berharga............................................. ............................. 14 Secutities
Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga.............. ............................. 14 Percentage of Bonus/Profit Sharing Secutities
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Halaman (Page)
Gambar 14. Sumber Dana, Pembiayaan, dan FDR …………………….………………… 15 Sources of Fund, Financing, and FDR
Gambar 15. Pembiayaan dan PPAP ………………………………….…………………….. 15 Financing and Provision for Losses (PPAP)
Tabel 8. Pembiayaan Non Lancar ............………………………………………….... 16 Non Performing Financings (NPFs)
Gambar 16. Perkembangan Pembiayaan Non Lancar ............………………… ….….... 16 Non Performing Financings (NPFs)
Gambar 17. Laba dan Rugi Tahun Berjalan ............................………………………… 17 Current Year Profits and Losses
Gambar 18. Rasio Keuangan ROA dan ROE............................………………………… 17 ROA and ROE Financial Ratio
Gambar 19. Layanan Syariah……………..............................…………………………… 18 Office Channeling
Tabel 9. Transaksi Pasar Uang Antar B ank Berdasarkan Prinsip Syariah (PUAS)..... 19 Transaction of Islamic Interbank Money Market (PUAS)
Gambar 20. Volume Transaksi PUAS……………………………………………………….. 20 Volume of PUAS Transaction
Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)……………………………. 20 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank .................................... 21 Islamic Banks’s Share to All Banks
Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank..................................... 21 Islamic Banks’s Share to All Banks
Tabel 11. Kegiatan Usaha BPR Syariah ................................................................. 22 Islamic Rural Banks Operations
Tabel 12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah) .... .............................. 23 Islamic Rural Banks Based on Total Assets (Million IDRs)
Tabel 13. Jumlah Rekening and Persentase Pembiayaan Non Lancar BPRS ............ 23 Number of Account and Percentage of Non Performing Financing Rural Islamis Banks
Tabel 14. Pangsa BPR Syariah Terhadap Total BPR ............................................... 23 Islamic Rural Bank’s Share to All Rural Banks
1
Tabel 1. Jaringan Kantor Networking
Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK
Group of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO
Bank Umum Syariah
Islamic Commercial Banks
1. PT Bank Muamalat Indonesia*) 1 51 10 10 80 1 51 10 10 80 1 51 10 10 81
2. PT Bank Syariah Mandiri*) 1 57 43 11 92 1 57 43 11 100 1 57 46 11 105
3. PT Bank Syariah Mega Indonesia 1 4 4 0 0 1 4 7 0 0 1 5 7 0 0
Unit Usaha Syariah
Islamic Banking Unit
1. PT Bank IFI 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
2. PT Bank Negara Indonesia 1 24 25 0 0 1 24 25 0 0 1 24 25 0 0
3. PT Bank Jabar 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0
4. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 0
5. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 0
6. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0
7. PT Bank Internasional Indonesia 1 1 3 0 0 1 2 0 0 0 1 2 0 0 0
8. HSBC, Ltd. 1 0 1 0 0 1 0 1 0 0 1 0 1 0 0
9. PT Bank DKI 1 1 0 0 5 1 1 0 0 5 1 1 0 0 5
10. BPD Riau 1 2 0 0 0 1 2 0 0 1 1 2 0 0 1
11. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0
12. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 0
13. BPD Sumatera Utara 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0
14. BPD Aceh 1 1 0 0 2 1 1 0 0 2 1 1 3 0 0
15. Bank Permata 1 5 5 0 0 1 5 5 0 0 1 5 0 0 0
16. Bank Tabungan Negara 1 9 0 0 0 1 9 0 0 0 1 11 0 0 0
17. BPD Nusa Tenggara Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
18. BPD Kalimantan Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
19. BPD Sumatera Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
20. BPD Kalimantan Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
21. BPD DIY 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
22. BPD Sulawesi Selatan 1 1 0 0 0 1 1 0 0 0
23. BPD Sumatera Barat 1 1 0 0 0 1 1 0 0 0
24. BPD Jawa Timur 1 1 0 0 0
Bank Perkreditan Rakyat Syariah
Islamic Rural Banks
TOTAL 129 211 117 21 179 133 214 117 21 188 135 217 118 21 192
0109 0 0 0
Jun-07
60
0
172
21 99 60 0 7
3 112 112
0
23 57
0 0107 0
Mar-07
21
0102
57 21
Jun-07
180
8
3
105 0 0 0
186
23 104 55 0 6
3 113 63 21
Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - UPS = Unit Pelayanan Syariah - KK = Kantor Kas (tidak termasuk Gerai Muamalat) - Tidak termasuk Layanan Syariah
Note: - HO = Head Office
- IBU = Islamic Banking Unit - HOO = Head Operational Office
- BO = Branch Office - SBO = Sub Branch Office
- SSU = Syari’a Services Unit - CO = Cash Office
- Not Include Office Channeling
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK
Group of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO
Bank Umum Syariah
Islamic Commercial Banks
1. PT Bank Muamalat Indonesia*) 1 51 10 10 81 1 51 10 12 83 1 51 10 12 83
2. PT Bank Syariah Mandiri*) 1 57 46 11 109 1 57 46 11 112 1 57 46 13 114
3. PT Bank Syariah Mega Indonesia 1 5 7 0 1 1 5 7 0 1 1 5 7 0 1
Unit Usaha Syariah
Islamic Banking Unit
1. PT Bank IFI 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
2. PT Bank Negara Indonesia 1 24 25 0 0 1 24 25 0 0 1 24 25 0 0
3. PT Bank Jabar 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0
4. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 0
5. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 0
6. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0
7. PT Bank Internasional Indonesia 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0
8. HSBC, Ltd. 1 0 1 0 0 1 0 1 0 0 1 0 1 0 0
9. PT Bank DKI 1 1 0 0 5 1 1 0 0 5 1 1 0 0 5
10. BPD Riau 1 2 0 0 1 1 2 0 0 1 1 2 0 0 1
11. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0
12. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 0
13. BPD Sumatera Utara 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0
14. BPD Aceh 1 1 3 0 0 1 2 3 0 0 1 2 3 0 0
15. Bank Permata 1 5 0 0 0 1 5 0 0 0 1 5 0 0 0
16. Bank Tabungan Negara 1 11 0 0 0 1 12 0 0 0 1 12 0 0 0
17. BPD Nusa Tenggara Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
18. BPD Kalimantan Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
19. BPD Sumatera Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
20. BPD Kalimantan Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
21. BPD DIY 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
22. BPD Sulawesi Selatan 1 1 0 0 0 1 2 0 0 0 1 2 0 0 0
23. BPD Sumatera Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
24. BPD Jawa Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
25. PT Bank Ekspor Indonesia 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0
26. Bank Lippo 1 1 0 0 0 1 1 0 0 0
Bank Perkreditan Rakyat Syariah
Islamic Rural Banks
TOTAL 139 219 118 21 197 142 222 118 23 202 142 222 118 25 204
*) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO)
0 0 114 00 114 0 0 0 0 0
198
25 109 0 655
Oct-07
3 113 63
Dec-07
113 633
Nov-07
25
0
196
6
23
111 0 0 0
25 106 55 0 6 25 109 55
1913 113 63 21
Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - UPS = Unit Pelayanan Syariah - KK = Kantor Kas (tidak termasuk Gerai Muamalat) - Tidak termasuk Layanan Syariah
Note: - HO = Head Office
- IBU = Islamic Banking Unit - HOO = Head Operational Office
- BO = Branch Office - SBO = Sub Branch Office
- SSU = Syari’a Services Unit - CO = Cash Office
- Not Include Office Channeling
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Tabel 2. Aset (Juta Rupiah) Assets (Million IDRs)
KETERANGAN Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07ITEMS
1. Kas 370,870 377,200 410,271 612,751 411,153 487,800 Cash2. Penempatan pada BI 4,804,784 3,461,996 2,941,506 3,238,131 3,210,526 4,539,661
Placement at Bank Indonesia3. Penempatan pada bank lain 1,227,930 1,127,480 1,214,436 1,436,817 1,265,566 1,667,075
Inter-bank assets4. Pembiayaan yang diberikan 20,820,064 22,969,103 25,589,806 26,148,752 26,548,228 27,944,311
Financing extended5. Penyertaan 40,660 40,660 40,660 40,660 40,660 41,095
Equity participation6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (617,879) (766,387) (867,661) (901,697) (862,962) (785,271)
Allowances for earning assets losses (PPAP)7. Aktiva tetap dan investaris 266,578 274,288 273,354 270,232 274,583 295,959
Fixed assets and inventory8. Rupa-rupa aktiva 1,381,616 1,577,182 2,004,602 1,969,336 2,093,559 2,101,528
Other assetsJ U M L A H 28,447,352 29,208,812 31,802,773 33,016,029 33,287,970 36,537,637 TOTAL ASSETS
*) Meliputi data Bank Umum Syariah dan Unit Usaha Syariah (tidak termasuk BPR Syariah) Covering Islamic Commercial Banks and Islamic Banking Unit (excluding Islamic Rural Banks)
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Tabel 3. Kewajiban dan Modal (Juta Rupiah) Liabilities and Equity (Miliion IDRs)
KETERANGAN Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07ITEMS
1. Giro wadiah 3,615,077 3,187,509 3,322,824 3,348,958 3,067,888 3,750,376 Wadiah-current accounts2. Tabungan mudharabah 6,740,443 7,187,821 8,104,200 8,479,723 8,613,626 9,454,060
Mudharabah-saving accounts3. Deposito mudharabah 11,527,413 12,338,926 13,253,393 13,644,654 13,976,649 14,807,234
Mudharabah-investment accounts4. Kewajiban terhadap BI 32,380 32,380 32,380 32,380 32,380 32,380
Liabilities to Bank Indonesia5. Kewajiban kepada bank lain 941,485 941,485 941,485 941,485 941,485 941,485
Inter-bank liabilities6. Pembiayaan yang diterima 195,926 195,926 195,926 195,926 195,926 195,926
Received Financing7. Kewajiban lainnya 224,115 224,115 224,115 224,115 224,115 224,115
Other payables8. Setoran jaminan 26,988 35,244 30,391 32,358 35,703 50,380
Guarantee deposits9. Antar Kantor Bersih 2,330,968 2,085,715 2,520,093 2,811,105 2,541,652 3,166,972
Interoffice net10. Rupa-rupa pasiva 560,671 513,712 532,081 532,902 535,426 559,486
Other liabilities11. Modal disetor 991,224 1,001,224 1,001,224 1,017,224 1,017,224 1,017,224
Paid-in capital12. Perkiraan tambahan modal disetor 991,224 1,001,224 1,001,224 1,017,224 1,017,224 1,017,224
Additional paid-in capital account13. Cadangan 252,553 275,310 275,308 275,308 275,309 275,308
Reserves14. Laba/rugi 508,703 450,360 577,484 629,980 664,472 689,047
Profit/Loss a. Tahun-tahun lalu 349,976 148,965 148,963 148,963 148,963 148,963
Previous years i. Laba 353,065 151,987 151,985 151,985 151,985 151,985
Profit ii. Rugi -/- (3,089) (3,022) (3,022) (3,022) (3,022) (3,022)
Loss b. Tahun berjalan 158,727 301,395 428,521 481,017 515,509 540,084
Current year i. Laba 323,690 633,493 958,992 1,065,021 1,183,726 1,213,341
Profit ii. Rugi -/- (164,963) (332,098) (530,471) (584,004) (668,217) (673,257)
LossJ U M L A H 28,447,352 29,208,812 31,802,773 33,016,029 33,287,970 36,537,637
Total Liabilities and Equity
Statistik Perbankan Syariah (Islamic Banking Statistics)
5
Tabel 4. Laba / Rugi (Juta Rupiah) Income Statement (Miliion IDRs)
Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07
I. Pendapatan Operasional 956,497 2,172,120 2,994,343 3,371,575 3,719,410 4,200,986 Operations Income A. Pendapatan dari Penyaluran Dana 876,903 1,998,347 2,722,941 3,065,167 3,375,312 3,794,675
Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 813,126 1,868,176 2,549,494 2,876,634 3,173,139 3,570,797
From Third Party Non Banks 2. Bank Indonesia 45,244 89,596 112,418 119,427 129,641 138,001
From Bank Indonesia 3. Bank-bank lain 18,533 40,575 61,029 69,106 72,532 85,877
From Other Banks B. Pendapatan Operasional Lainnya 79,594 173,773 271,402 306,408 344,098 406,311
Other Operations Income1. Jasa Investasi Terikat 3,386 9,133 14,872 16,792 18,862 20,660
Restricted Investment Services2. Jasa layanan 22,411 45,712 72,003 79,013 90,072 99,766
Fee Based Income3. Pendapatan dari transaksi valuta asing 1,182 3,165 5,784 6,232 7,206 8,303
Income from Foreign Exchange Transaction4. Koreksi PPAP 12,775 22,486 34,549 43,923 55,879 82,664
Provision for Losses Correction5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 78 162 662 194 197 494
Correction of Provision for Losses Administrative Statement Transaction6. Lainnya 39,822 93,115 143,532 160,254 171,882 194,424
OthersII. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (350,382) (716,393) (1,075,356) (1,206,444) (1,329,558) (1,468,265) Profit Sharing for Unrestricted Investment
1. Pihak ketiga bukan bank 343,057 702,072 1,053,719 1,182,415 1,303,102 1,438,124From Third Party Non Banks
2. Bank Indonesia 0 0 0 0 0 0From Bank Indonesia
3. Bank-bank lain 7,325 14,321 21,637 24,029 26,456 30,141From Other Banks
III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Tidak Terikat606,115 1,455,727 1,918,987 2,165,131 2,389,852 2,732,721 Distribution Income after Distribution Income For Unrestricted Investment InvestorIV. Beban Operasional 431,846 1,124,015 1,440,080 1,628,358 1,816,873 2,091,490 Operations Expenses A. Beban Bonus titipan wadiah 16,682 31,402 47,040 53,293 59,109 65,536
Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing 1 3 1 3 1 1
Foreign Exchange Transaction Expense C. Biaya Perbaikan Aktiva Ijarah 0 0 0 0 0 0
Ijarah Assets Recovery Cost D. Premi 11,224 23,539 35,759 40,381 45,129 51,325
Premium E. Tenaga kerja 117,290 260,065 416,057 468,522 522,049 601,902
Labour F. Pendidikan dan pelatihan 3,308 7,880 13,288 14,661 16,569 18,634
Education and Training G . Penelitian dan pengembangan 269 501 707 734 908 1,129
Research and Development H. Sewa 25,469 53,055 80,475 89,449 99,190 110,618
Leasing I. Promosi 24,008 56,087 91,303 101,853 116,742 134,774
Promotion J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 576 1,671 2,436 2,611 2,823 3,012
Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 7,759 16,406 25,146 28,246 31,867 35,859
Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 159,654 537,202 513,175 586,590 649,200 751,551
Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 36 71 214,582 124 137 150
Decrease in Value of Securities N. Lainnya 65,570 136,133 214,582 241,891 273,149 316,999
Others Laba Operasional 174,269 331,712 478,907 536,773 572,979 641,231Operation Profit Pendapatan Non Operasional 275,100 565,136 896,653 1,010,555 1,139,252 1,260,243Non Operations Income Beban Non Operasional 274,095 566,769 908,693 1,026,050 1,151,234 1,273,135Non Operations Expenses Laba Non Operasional 1,005 (1,633) (12,040) (15,495) (11,982) (12,892)Non Operations Profit Laba Tahun Berjalan 175,274 330,079 466,867 521,278 560,997 628,339Current Profit/LossLaba Tahun Berjalan (setelah taksiran pajak penghasilan) 158,727 301,395 428,521 481,017 515,509 540,084Profit After Calculations of Income Tax
KETERANGAN
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Gambar 1. Perkembangan Aset Growth of Assets
9.76%
4.84%
0.85%
2.75%
-0.28%0.82%
3.81%
2.74%
0.82%
2.23%
5.50%
2.37%
0.72%
0.00
2.00
4.00
6.00
8.00
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
32.00
34.00
36.00
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Triliun Rupiah (Trillion IDRs)
-2%
0%
2%
4%
6%
8%
10%
12%
Aset (Assets)
Perkembangan Aset (Assets Growth)
Gambar 2. Sumber Dana Source of Fund
0.00
2.00
4.00
6.00
8.00
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Triliun Rupiah (Trillion IDRs)
Pembiayaan yang diterima (Received financing)
Deposito Mudharabah (Mudharabah-inv. acc.)
Tabungan Mudharabah (Mudharabah-sav. acc.)
Giro Wadiah (Wadiah-cur. acc.)
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Tabel 5. Komposisi Dana Pihak Ketiga (Juta Rupiah) Composition of Deposits (Million IDRs)
Giro Wadiah Nilai (Amount) 3,615,077 3,187,509 3,366,363 3,348,958 3,067,888 3,750,376
Wadiah currency account Pangsa (Share) 16.52% 14.03% 14.44% 13.15% 11.96% 13.39%
Tabungan Mudharabah Nilai (Amount) 6,740,443 7,187,821 7,693,895 8,479,723 8,613,626 9,454,060
Mudharabah saving account Pangsa (Share) 30.80% 31.64% 33.01% 33.29% 33.57% 33.75%
Deposito Mudharabah Nilai (Amount) 11,527,413 12,338,926 12,248,321 13,644,654 13,976,649 14,807,234
Mudharabah investment account Pangsa (Share) 52.68% 54.32% 52.55% 53.56% 54.47% 52.86%
21,882,933 22,714,256 23,308,579 25,473,335 25,658,163 28,011,670
Nov-07 Dec-07Oct-07
Total
DANA PIHAK KETIGA
DEPOSIT FUNDMar-07 Aug-07Jun-07
Gambar 3. Jumlah Rekening Dana Pihak Ketiga Number of Account Deposit s
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
Giro wadiah (Wadiah Curr. Acc) 34,499 35,399 36,032 35,994 36,819 37,652 37,840 38,979 40,464 41,356 42,223 42,582 42,741
Deposito Mudharabah (Mudharabah Inv. Acc.) 74,078 76,214 78,483 80,453 82,190 82,929 83,481 85,365 85,948 87,147 90,854 89,899 91,714
Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,883,8751,946,9411,985,2792,064,45 2,118,901 2,196,6542,264,68 2,306,60 2,393,117 2,470,52 2,563,85 2,650,5512,711,374
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga Percentage of Profit Sharing Deposits
0
1
2
3
4
5
6
7
8
9
10
(
%
)
Giro wadiah (Wadiah Curr. Acc) 1.27 1.12 0.97 1.07 0.98 1.10 1.00 1.08 1.12 0.97 0.97 1.01 1.07
Deposito Mudharabah (Mudharabah Inv. Acc.) 9.41 8.59 8.63 8.19 7.92 8.05 7.89 7.76 7.91 7.96 7.71 7.59 7.84
Tabungan Mudharabah (Mudharabah Sav. Acc.) 3.72 3.32 3.54 3.48 3.46 3.32 3.24 3.00 3.15 3.13 3.30 3.15 3.32
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Gambar 5. Komposisi Deposito Mudharabah Composition of Mudharabah Investment Account
62.87%
9.50%
8.75%
14.71%
0.11%
0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00%
1 Bulan (Month)
3 bulan (Months)
6 bulan (Months)
12 bulan (Months)
diatas 12 bulan (ab. 12 Months)
Statistik Perbankan Syariah (Islamic Banking Statistics)
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Gambar 6. Aktiva Produktif Utama The Major Earning Assets
0.00
2.00
4.00
6.00
8.00
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
32.00
34.00
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Triliun Rupiah (Trillion IDRs)
Penyertaan (Eq. participation)
Pembiayaan yang diberikan (Fin. extended)
Penempatan pada bank lain (Inter bk assets)
Penempatan pada BI (Plcment at BI)
Tabel 6. Komposisi Pembiayaan (Juta Rupiah) Composition of Financing (Million IDRs)
Pembiayaan Musyarakah Nilai (Amount) 2,367,837 3,289,327 3,725,870 3,968,911 4,263,071 4,406,360
Musharakah Financing Pangsa (Share) 11.37% 14.32% 15.12% 15.18% 16.06% 15.77%
Pembiayaan Mudharabah Nilai (Amount) 4,132,872 4,686,835 5,029,130 5,355,091 5,439,665 5,577,912
Mudharabah Financing Pangsa (Share) 19.85% 20.40% 20.41% 20.48% 20.49% 19.96%
Piutang Murabahah Nilai (Amount) 12,769,755 13,936,084 14,768,565 15,675,460 15,645,561 16,552,869
Murabahah Receivable Pangsa (Share) 61.33% 60.67% 59.94% 59.95% 58.93% 59.24%
Piutang Salam Nilai (Amount) - - - - - -
Salam Receivable Pangsa (Share) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Piutang Istishna' Nilai (Amount) 342,585 333,695 331,612 330,867 333,630 350,995
Istishna' Receivable Pangsa (Share) 1.65% 1.45% 1.35% 1.27% 1.26% 1.26%
Lainnya Nilai (Amount) 1,207,015 723,162 782,673 818,423 866,301 1,056,175
Others Pangsa (Share) 5.80% 3.15% 3.18% 3.13% 3.26% 3.78%
20,820,064 22,969,103 24,637,850 26,148,752 26,548,228 27,944,311
Nov-07 Dec-07Aug-07
Total
RINCIAN PEMBIAYAAN YANG DIBERIKAN
ITEMS OF FINANCINGMar-07 Oct-07Jun-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
10
Tabel 7 . Pembiayaan Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing based on Economic Sector (Million IDRs)
Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 631,485 651,089 644,142 639,974 637,161 837,037
Agriculture, forestry and agricultural facilities Pangsa (Share) 3.03% 2.83% 2.61% 2.45% 2.40% 3.00%
Pertambangan Nilai (Amount) 288,760 402,234 478,538 478,695 490,764 510,669
Mining Pangsa (Share) 1.39% 1.75% 1.94% 1.83% 1.85% 1.83%
Perindustrian Nilai (Amount) 962,276 1,106,830 1,187,799 1,313,834 1,311,322 1,371,254
Manufacturing Pangsa (Share) 4.62% 4.82% 4.82% 5.02% 4.94% 4.91%
Listrik, gas dan air Nilai (Amount) 5,644 27,343 49,084 63,859 66,158 165,990
Water, gas and electricity Pangsa (Share) 0.03% 0.12% 0.20% 0.24% 0.25% 0.59%
Konstruksi Nilai (Amount) 1,552,117 1,800,048 2,182,801 2,110,074 2,270,438 2,370,638
Constuction Pangsa (Share) 7.45% 7.84% 8.86% 8.07% 8.55% 8.48%
Perdagangan, restoran dan hotel Nilai (Amount) 3,915,476 3,987,678 3,818,784 4,151,939 4,182,080 4,151,785
Trade, restaurants and hotels Pangsa (Share) 18.81% 17.36% 15.50% 15.88% 15.75% 14.86%
Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1,229,543 1,304,430 1,490,049 1,390,104 1,517,971 1,568,781
Transport, cargo storage and commnucation Pangsa (Share) 5.91% 5.68% 6.05% 5.32% 5.72% 5.61%
Jasa dunia usaha Nilai (Amount) 5,394,551 6,837,406 7,567,868 8,162,611 8,271,953 8,424,724
Business Services Pangsa (Share) 25.91% 29.77% 30.72% 31.22% 31.16% 30.15%
Jasa sosial/masyarakat Nilai (Amount) 1,389,760 1,685,708 1,685,990 1,763,650 1,897,892 1,904,390
Social Services Pangsa (Share) 6.68% 7.34% 6.84% 6.74% 7.15% 6.81%
Lain-lain Nilai (Amount) 5,450,452 5,166,337 5,532,795 6,074,012 5,902,489 6,639,043
Others Pangsa (Share) 26.18% 22.49% 22.46% 23.23% 22.23% 23.76%
20,820,064 22,969,103 24,637,850 26,148,752 26,548,228 27,944,311
Nov-07 Dec-07Oct-07Jun-07Mar-07 Aug-07SEKTOR EKONOMI
Total
ECONOMIC SECTOR
Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan Financing based On Type of Use
0.00
2.00
4.00
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8.00
10.00
12.00
14.00
16.00
18.00
Trili
un R
p (T
rilio
n ID
Rs)
Modal Kerja (Working Capital) 10.41 10.82 10.25 11.04 11.38 11.88 12.89 13.48 13.83 14.30 14.70 15.02 15.66
Investasi (Investment) 4.37 4.23 4.26 4.32 4.64 4.70 4.90 5.01 5.26 5.41 5.44 5.61 5.64
Konsumsi (Consumption) 5.67 5.17 5.96 5.46 5.33 5.34 5.17 5.20 5.54 5.88 6.01 5.92 6.65
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
11
Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan Financing based on Type of Financing
0.00
5.00
10.00
15.00
20.00
25.00
Tril
iun
Rp
(Tri
lion
IDR
s)
UKM (Small and Medium Business) 14.87 14.58 14.91 15.33 15.49 15.71 16.44 16.75 17.31 17.91 18.45 18.64 19.57
Non UKM (Small and Medium Business) 5.57 5.64 5.55 5.49 5.86 6.21 6.53 6.94 7.33 7.68 7.70 7.90 8.38
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Gambar 9. Jumlah Rekening Pembiayaan Number of Account Financing
0
100,000
200,000
300,000
400,000
500,000
600,000
Pembiayaan (Financing) 17,991 18,120 18,502 19,204 19,961 20,736 22,048 23,208 24,547 26,186 27,230 28,325 29,424
Piutang (Receivable) 353,673 372,616 386,931 399,617 405,649 402,485 409,775 423,542 441,486 459,282 468,973 442,414 481,799
Lain-lain (Others) 445 486 516 541 563 584 739 772 855 921 925 965 1,007
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
12
Gambar 10. Persentase B agi Hasil/Fee/Margin Pembiayaan Percentage o f Profit Sharing/Fee/Margin of Financing
0
2
4
6
8
10
12
14
16
18
(%)
Pembiayaan (Financing) 12.46 12.62 12.58 14.69 14.07 13.95 13.88 13.85 13.56 13.82 13.79 14.57 14.42
Piutang (Receivable) 12.24 14.60 14.25 15.61 15.53 15.45 15.33 15.06 14.90 14.72 14.57 14.30 14.21
Lain-lain (Others) 0.66 2.35 0.62 0.62 0.56 0.29 0.26 0.26 0.25 0.22 0.24 0.25 0.16
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
13
Gambar 11. Kompo sisi Penggunaan dan Sumber Dana Composition of Uses and Source of Fund
Dec-2007
13%
52%
1%
34%
Dec-2007
13%
82%
0%
5%
Nov-2007
10%
86%
0%
4%
Oct-2007
10%
85%
0%5%
Penempatan pada BI (Plcment at BI)
Penempatan pada bank lain (Inter bk assets)
Pembiayaan yang diberikan (Fin. extended)
Penyertaan (Eq. participation)
Oct-2007
13%
53%
1%
33%
Giro Wadiah (Wadiah-cur. acc.)
Tabungan Mudharabah (Mudharabah-sav. acc.)
Deposito Mudharabah (Mudharabah-inv. acc.)
Pembiayaan yang diterima (Received financing)
Nov-2007
12%1%
54% 33%
Statistik Perbankan Syariah (Islamic Banking Statistics)
14
Gambar 12. Rincian Beberapa Surat Berharga (Securities)
0.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
Tri
liun
Rp
(T
rilio
n ID
Rs)
SWBI 2.36 2.66 3.00 3.33 3.17 2.80 2.04 1.56 0.98 1.31 1.76 1.64 2.60
Sertifikat IMA (IMA Certificate) 0.10 0.23 0.18 0.21 0.12 0.12 0.17 0.06 0.18 0.24 0.22 0.14 0.35
Obligasi Syariah (Sharia Obligations) 0.16 0.16 0.16 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.20 0.30
Surat Berharga yang dimiliki (Securities) 0.83 0.84 0.87 0.76 0.84 0.99 0.99 1.33 1.36 1.36 1.30 1.39 1.39
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga Percentage of Bonus/Profit Sharing Securities
0.00
5.00
10.00
15.00
20.00
25.00
30.00
(%)
Persentase Bonus SWBI (% bonus SWBI-Av.) 1.99 2.72 1.35 1.23 1.04 0.85 1.52 1.43 1.61 2.27 1.29 1.63 3.56
Persentase Bagi Hasil Sertifikat IMA (% profitsharing IMA Certificate-Av))
6.24 7.45 26.06 3.63 5.73 3.46 1.95 4.63 2.51 2.49 4.79 3.27 4.84
Persentase Bagi Hasil Obligasi Syariah (% profitsharing sharia obligation-Av)
8.04 8.43 8.81 9.05 9.10 9.82 9.82 9.62 9.48 9.48 9.66 9.40 9.07
Persentase Bagi Hasil Surat Berharga yang dimiliki
(% profit sharing securities-Av)
12.46 13.50 13.36 13.88 13.59 13.30 13.17 12.51 12.49 12.51 12.38 11.97 12.01
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
15
Gambar 14. Sumber Dana, Pembiayaan, dan FDR Source of Fund, Financing, and FDR
99.76%
0.00
2.00
4.00
6.00
8.00
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
30.00
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Triliun Rupiah (Trillion IDRs)
50%
100%
150%
Pembiayaan yang diberikan (Fin. extended)
Dana Pihak Ketiga (Deposit Fund)
FDR (Financing to Deposit Ratio)
Gambar 15. Pembiayaan dan PPAP Financing and Provision for Losses (PPAP)
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2.00
4.00
6.00
8.00
10.00
12.00
14.00
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18.00
20.00
22.00
24.00
26.00
28.00
30.00
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Triliun Rupiah (Trillion IDRs)
Pembiayaan yang diberikan (Fin. extended)
Provision for Losses (PPAP)
Statistik Perbankan Syariah (Islamic Banking Statistics)
16
Tabel 8. Pembiayaan Non Lancar Non Performing Financings (NPFs)*) (Miliion IDRs)
Lancar Nilai (Amount) 18,468,301 20,228,465 21,565,360 23,126,394 23,790,409 25,493,703
Current Pangsa (Share) 88.70% 88.07% 87.53% 88.44% 89.61% 91.23%
Dalam Perhatian Khusus Nilai (Amount) 1,157,905 1,317,277 1,439,147 1,393,756 1,256,496 1,319,406
Special Mention Pangsa (Share) 5.56% 5.73% 5.84% 5.33% 4.73% 4.72%
Kurang Lancar Nilai (Amount) 393,080 512,678 551,551 702,212 557,934 321,222
Sub-standard Pangsa (Share) 1.89% 2.23% 2.24% 2.69% 2.10% 1.15%
Diragukan Nilai (Amount) 266,541 327,756 344,810 256,225 315,634 267,298
Doubtful Pangsa (Share) 1.28% 1.43% 1.40% 0.98% 1.19% 0.96%
Macet Nilai (Amount) 534,237 582,927 736,982 670,165 627,755 542,682
Loss Pangsa (Share) 2.57% 2.54% 2.99% 2.56% 2.36% 1.94%
20,820,064 22,969,103 24,637,850 26,148,752 26,548,228 27,944,311
1,193,858 1,423,361 1,633,343 1,628,602 1,501,323 1,131,202
5.73% 6.20% 6.63% 6.23% 5.66% 4.05%
Nov-07 Dec-07Aug-07
Percentage of NPFs
KOLEKTIBILITAS PEMBIAYAAN
Total Pembiayaan (Total Financing)
Nominal NPFs (Coll. 3-5)
COLLECTIBILITY OF FINANCINGMar-07 Oct-07Jun-07
*) NPFs adalah Pembiayaan Non Lancar mulai dari Kurang Lancar sampai dengan Macet NPFs is Non Performing Financings which are composed from collectibility Sub-standard to Loss
Gambar 16. Perkembangan Pembiayaan Non Lancar Development of Non Performing Financings (NPFs)
1.42 1.56 1.601.35
1.631.191.63 1.501.31
1.131.05
0.97
1.13
4.75%
4.05%
5.66%
6.23%6.29%6.63%6.58%
6.20%6.17%
6.14%5.73%
5.54%
5.17%
0.00
2.00
4.00
6.00
8.00
10.00
12.00
14.00
16.00
18.00
20.00
22.00
24.00
26.00
28.00
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Triliun Rupiah (Trillion IDRs)
0%
1%
2%
3%
4%
5%
6%
7%
Total FinancingNominal NPFs (Coll. 3-5)Percentage of NPFs
Statistik Perbankan Syariah (Islamic Banking Statistics)
17
Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses
814.60-459.55
118.00-44.49
217.93-104.70
323.69-164.96
424.86-230.54
524.95
-283.95
633.49-332.10
749.72-395.15
856.90-464.81
958.99-530.47
1,065.02-584.00
1,183.73-668.22
1,213.34-673.26
-800 -600 -400 -200 0 200 400 600 800 1,000 1,200Milyar Rupiah (Billion IDRs)
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Laba tahun berjalan (Current year profit)
Rugi tahun berjalan (Current year losses)
Gambar 18. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio
1.69% 1.68%
1.86%1.93%
1.85%1.90%1.88%1.76%1.75%1.75%
1.55%
1.86%1.78%
55.84%
52.45%53.98%55.09%
51.44%49.99%
46.66%45.59%44.47%
41.81%
52.80%
41.18%
36.94%
0%
1%
1%
2%
2%
3%
3%
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
0%
10%
20%
30%
40%
50%
60%
ROA ROE
Statistik Perbankan Syariah (Islamic Banking Statistics)
18
Gambar 19. Layanan Syariah Office Channeling
-
100
200
300
400
500
600
700
800
900
1,000
1,100
1,200
1,300
1,400
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
jum
lah
kant
or (n
umbe
r of o
ffice
s)
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000Juta Rp (Milion IDRs)
Jumlah Kantor (Number of Offices)
Dana Pihak Ketiga (Deposits)
Statistik Perbankan Syariah (Islamic Banking Statistics)
19
Tabel 9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market
Tkt Imbalan Dep Inv Mudharabah sebelum distribusi pada Bank
Pengelola Dana bln sebelumnya (R)
Nisbah Bagi Hasil untuk Bank Penanam
Dana (K)
Indication Rate of Return of Mudharabah Inv. Before Distributed
Last Month at Issuing Bank(R)
PLS Portion for Lender Bank (K)
2007Desember3-Dec-07 6,000 12.3000 52.85 1 6.8185
9,000 12.3000 55.77 4 6.81856,500 17.3767 39.00 1 6.8185
4-Dec-07 6,500 15.7900 44.00 1 6.84815,000 17.3767 39.50 1 6.8481
20,000 17.3767 39.50 1 6.84813,000 14.4700 44.93 1 6.8481
5-Dec-07 16,200 17.3767 39.00 1 6.61527,500 17.3767 39.00 1 6.6152
20,000 10.8500 57.60 7 6.615221,500 17.3767 39.00 1 6.6152
6-Dec-07 25,000 17.3767 35.00 1 6.12322,000 17.3767 35.00 1 6.1232
15,000 17.3767 35.00 1 6.12323,500 12.3000 53.82 5 6.1232
7-Dec-07 10,000 17.3767 40.00 1 6.5643500 14.4700 44.93 1 6.5643
14,000 17.3767 42.00 1 6.564325,000 10.8500 55.30 10 6.5643
10-Dec-07 9,000 17.3767 40.00 1 6.937930,000 17.3767 40.00 1 6.93797,500 17.3767 40.00 1 6.93792,000 14.4700 44.93 2 6.9379
11-Dec-07 1,000 17.3767 41.00 1 6.18755,000 10.8500 55.30 3 6.1875
12-Dec-07 5,000 12.6887 55.00 16 6.46203,500 14.4700 44.93 7 6.46201,000 14.4700 44.93 1 6.4620
15,000 12.6887 52.00 21 6.462013-Dec-07 15,000 17.3767 36.00 1 6.5964
6,400 17.3767 36.00 1 6.59646,000 12.3000 56.91 1 6.5964
15,000 14.4700 48.38 22 6.59641,000 12.3000 52.85 5 6.5964
14-Dec-07 5,000 17.3767 34.00 1 6.48761,500 14.4700 40.00 1 6.48765,000 10.8500 57.60 7 6.4876
10,000 10.8500 59.61 13 6.487610,000 14.4700 50.00 28 6.48765,000 17.3767 34.50 4 6.4876
17-Dec-07 20,000 17.3767 36.00 1 6.32695,000 10.8500 59.91 7 6.32692,000 12.3000 52.85 1 6.32693,000 17.3767 34.50 1 6.32695,000 10.8500 61.06 10 6.3269
18-Dec-07 1,500 17.3767 39.00 3 7.223735,000 17.3767 43.00 1 7.223725,000 17.3767 41.50 1 7.223710,000 10.8500 55.30 9 7.223720,000 14.4700 50.00 28 7.2237
19-Dec-07 2,000 17.3767 39.00 5 6.97347,000 17.3767 34.50 1 6.97344,000 14.1200 46.00 30 6.9734
15,000 14.4700 50.00 14 6.973410,000 14.4700 50.00 28 6.973410,000 14.4700 50.00 21 6.9734
21-Dec-07 - - - - -24-Dec-07 5,000 17.3767 40.00 10 6.9204
20,000 14.4700 50.00 28 6.92047,000 10.8500 55.30 14 6.9204
26-Dec-07 5,000 17.3767 40.00 7 6.58734,000 17.3767 39.00 2 6.58735,000 17.3767 39.00 7 6.58736,000 10.8500 55.30 14 6.5873
27-Dec-07 5,000 14.4700 50.11 18 6.875810,000 17.3767 40.00 7 6.875820,000 17.3767 40.00 7 6.8758
28-Dec-07 4,000 17.3767 42.00 5 6.795630,000 14.4700 46.50 7 6.7956
PeriodVolume of
Transaction (Million IDRs)
Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA
Certificate (%)Maturity (Days)
PeriodeVolume Transaksi
(Juta Rupiah)
Tingkat Indikasi Imbalan Sertifikat IMA (%) Jangka Waktu (hari)
Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt Indikasi Imbalan Sertifikat
IMA (%)Indication Rate of Return of IMA Certificate (%)
Statistik Perbankan Syariah (Islamic Banking Statistics)
20
Gambar 20. Volume Transaksi PUAS Volume of PUAS Transaction
0
200
400
600
800
1,000
1,200
1,400
Mili
ar R
p (B
ilion
IDRs
)
Volume of PUAS Transaction 761.6 764.5 728.5 680.8 375.8 806.6 651.9 780.5 933.8 1,062.6 794.4 1,139.3 1,168.8
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
-
500
1,000
1,500
2,000
2,500
3,000
3,500
Mili
ar R
upia
h (B
illio
n ID
Rs)
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
Outstanding 2,357 2,663 3,002 3,325 3,166 2,801 2,036 1,555 983 1,311 1,761 1,644 2,599
SWBI/Aset 8.82% 9.88% 10.84% 11.69% 11.16% 9.66% 6.97% 5.20% 3.26% 4.12% 5.33% 4.94% 7.11%
Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
21
Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2007 – Miliar Rupiah)
Islamic Banks’ s Share to All Banks (November 2007 position - Billion IDRs)
Islamic Banks
Nominal Share Total Banks
Total Assets 33,288 1.76% 1,895,280
Deposit Fund 25,658 1.78% 1,437,600
Credit/Financing extended 26,548 2.76%
962,389
FDR/LDR*) 103.47% 66.94%
*) FDR = Financing to Deposit Ratio LDR = Loan to Deposit Ratio
Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2007) Islamic Banks’s Share to All Banks (November 2007 position)
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
Total Assets 1.55% 1.57% 1.59% 1.63% 1.66% 1.65% 1.69% 1.65% 1.66% 1.66% 1.72% 1.77% 1.76%
Deposit Fund 1.55% 1.61% 1.60% 1.64% 1.69% 1.69% 1.73% 1.68% 1.68% 1.67% 1.76% 1.79% 1.78%
Financing extended 2.66% 2.58% 2.61% 2.61% 2.60% 2.63% 2.66% 2.67% 2.72% 2.76% 2.80% 2.79% 2.76%
Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07
Statistik Perbankan Syariah (Islamic Banking Statistics)
22
Tabel 11. Kegiatan Usaha BPR Syariah (Juta Rupiah) Islamic Rural Banks Operations (Million IDRs)
Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07
Penyaluran dana 859,367 911,390 1,027,719 1,053,151 1,095,350 1,107,005
Fund DisbursementsPembiayaan 679,764 744,743 865,250 866,593 888,074 876,921
FinancingPiutang Murabahah 561,542 613,591 697,108 698,415 710,939 710,433
Murabahah ReceivablePiutang salam 68 68 68 68 38 0
Salam ReceivablePiutang Istishna 1,184 915 11,051 11,604 13,356 13,418
Istishna ReceivablePembiayaan Mudharabah 26,366 32,113 37,952 40,899 42,264 39,518
Mudharabah FinancingPembiayaan Musyarakah 69,904 75,650 94,210 92,126 96,372 89,389
Musyarakah FinancingIjarah 6,358 6,635 6,954 6,498 6,163 5,170
IjarahQardh 14,340 15,771 17,905 16,982 18,941 18,991
QardhAntar Bank 179,603 166,647 162,469 186,558 207,276 230,084
Inter-BankSumber Dana 722,838 766,257 872,002 894,636 927,949 936,565
Source of FundDana Pihak ketiga 567,354 601,079 663,074 672,712 702,717 707,706
Third Party FundsTabungan Wadiah 80,282 85,935 88,551 78,797 76,214 86,943
Wadiah Savings AccountsTabungan Mudharabah 170,625 173,669 189,873 197,907 209,261 203,916
Mudharabah Saving AccountsDeposito Mudharabah 316,447 341,475 384,650 396,008 417,243 416,846
Mudharabah Investment AccountsAntar Bank Pasiva 106,336 118,134 153,838 167,747 173,120 174,418
Inter- BankPinjaman yang diterima 42,927 42,453 45,395 44,512 41,912 51,544
Loans ReceivedKewajiban lainnya 6,220 4,591 9,695 9,665 10,199 2,897
Other LiabilitiesKomponen modal
Components CapitalModal disetor 420,540 425,840 432,840 438,340 441,040 445,425
Paid in CapitalCadangan 20,439 22,481 20,404 21,549 20,426 20,667
ReservesL/R Tahun Berjalan 5,439 12,190 20,388 22,372 25,446 26,627
Current Earning Profit/LossL/R Tahun lalu (3,564) 5,566 6,723 8,027 8,491 8,648
Retained Earning Profit/LossTotal Aset 945,005 997,254 1,122,663 1,147,938 1,186,540 1,202,898
Total Assets
INDIKATOR (Indicator)
Statistik Perbankan Syariah (Islamic Banking Statistics)
23
Tabel 12. BPR Syariah Berdasarkan Total Aset Islamic Rural Banks Based on Total Assets
Total Aset Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07(Total Assets)
< 1 Miliar 7 8 9 11 13 13
1 s.d. 5 Miliar 49 50 49 49 46 46
> 5 s.d. 10 Miliar 28 25 25 25 27 24
> 10 Miliar 21 24 26 26 28 31
Total 105 107 109 111 114 114 Tabel 13. Jumlah Rekening and Persentase Pembiayaan Bermasalah BPR Syariah
Number of Account and Percentage of Non Performing Financing Islamic Rural Banks
Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07
Jumlah Nasabah Dana Pihak Ketiga 301,589 332,403 336,653 342,682 343,234 329,499
Number of Financing AccountJumlah Nasabah Pembiayaan 85,793 82,942 89,682 89,756 90,181 89,270
Nomber of Account Source of FundRasio Pembiayaan dibanding Dana Pihak Ketiga 119.81% 123.90% 130.49% 128.82% 126.38% 123.91%
Financing to Deposit RatioPembiayaan Bermasalah 8.75% 9.11% 8.42% 8.77% 8.38% 7.98%
Non Performing Financing
Keterangan
Tabel 14. Pangsa BPR Syariah Terhadap Total BPR (November 2007– Miliar Rupiah) Islamic Rural Bank’s Share to All Rural Banks (November 2007 – Billion IDRs)
Nominal ShareTotal Assets 1,187 4.21% 28,182Deposit Fund 703 3.70% 19,007Credit/Financing extended 888 4.14% 21,472
Islamic Rural BanksTotal Rural Banks