Islamic Banking Statistics
JANUARI
2004
JANUARY
Direktorat Perbankan Syariah
BANK INDONESIA
DAFTAR ISI CONTENTS Tabel
1. Jaringan Kantor Perbankan Syariah
2
Networking of Islamic Banks
Tabel
2. Aset Perbankan Syariah
3
Assets of Islamic Banks
Tabel
3. Kewajiban dan Modal Perbankan Syariah
4
Liabilities and Equity of Islamic Banks
Gambar 1. Perkembangan Aset Perbankan Syariah
5
Growth of Assets of Islamic Banks
Gambar 2. Sumber Dana Perbankan Syariah
5
Sources of Fund of Islamic Banks
Tabel
4. Komposisi Dana Pihak Ketiga Perbankan Syariah
6
Composition of Deposit Fund of Islamic Banks
Gambar 3. Aktiva Produktif Utama Perbankan Syariah
6
The Major Earning Assets of Islamic Banks
Tabel
5. Komposisi Pembiayaan Perbankan Syariah
7
Composition of Financing of Islamic Banks
Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah
8
Composition of Uses and Sources of Fund of Islamic Banks
Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah
9
Sources of Fund, Financing, and FDR of Islamic Banks
Gambar 6. Pembiayaan dan PPAP Perbankan Syariah
9
Financing and Provision for Losses (PPAP) of Islamic Banks
Tabel
6. NPFs Perbankan Syariah
10
Non Performing Financings (NPFs) of Islamic Banks
Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah
10
Current Year Profits and Losses of Islamic Banks
Tabel
7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)
11
Transaction of Islamic Interbank Money Market (PUAS)
Gambar 8. Volume Transaksi PUAS
12
Volume of PUAS Transaction
Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)
12
Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
Tabel
8. Pangsa Perbankan Syariah Terhadap Total Bank
13
Islamic Banks’s Share to All Banks
Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank
13
Islamic Banks’s Share to All Banks
1
Tabel
1.
Jaringan Kantor Perbankan Syariah Networking of Islamic Banks
2000 Kelompok Bank KP/UUS KPO/KC Group of Banks HO/IBU HOO/BO Bank Umum Syariah 2 21 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia 1 13 2. PT Bank Syariah Mandiri 1 8 Unit Usaha Syariah 3 7 Islamic Banking Unit 1. PT Bank IFI 1 1 2. PT Bank Negara Indonesia 1 5 3. PT Bank Jabar 1 1 4. PT Bank Rakyat Indonesia 5. PT Bank Danamon 6. PT Bank Bukopin 7. PT Bank Internasional Indonesia Bank Perkreditan Rakyat Syariah 79 0 Islamic Rural Banks TOTAL 84 28 Mar-03 Kelompok Bank KP/UUS KPO/KC Group of Banks HO/IBU HOO/BO Bank Umum Syariah 2 45 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia 1 13 2. PT Bank Syariah Mandiri 1 32 Unit Usaha Syariah 6 31 Islamic Banking Unit 1. PT Bank IFI 1 1 2. PT Bank Negara Indonesia 1 12 3. PT Bank Jabar 1 3 4. PT Bank Rakyat Indonesia 1 8 5. PT Bank Danamon 1 5 6. PT Bank Bukopin 1 2 7. PT Bank Internasional Indonesia 8. HSBC, Ltd. Bank Perkreditan Rakyat Syariah 85 0 Islamic Rural Banks TOTAL 93 76 Dec-03 Kelompok Bank KP/UUS KPO/KC Group of Banks HO/IBU HOO/BO Bank Umum Syariah 2 74 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia 1 33 2. PT Bank Syariah Mandiri 1 41 Unit Usaha Syariah 8 42 Islamic Banking Unit 1. PT Bank IFI 1 1 2. PT Bank Negara Indonesia 1 12 3. PT Bank Jabar 1 4 4. PT Bank Rakyat Indonesia 1 11 5. PT Bank Danamon 1 10 6. PT Bank Bukopin 1 2 7. PT Bank Internasional Indonesia 1 2 8. HSBC, Ltd. 1 0 Bank Perkreditan Rakyat Syariah 84 0 Islamic Rural Banks TOTAL 94 116 Keterangan: KP = Kantor Pusat UUS = Unit Usaha Syariah KPO = Kantor Pusat Operasional KC = Kantor Cabang KCP = Kantor Cabang Pembantu KK = Kantor Kas (termasuk Gerai)
2002 2001 KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO 8
26
2
36
5
43
2
43
11
59
3 5
26 0
1 1
13 23
5 0
37 6
1 1
13 30
7 4
46 13
0
0
3
12
0
0
6
25
0
0
0 0 0
0 0 0
1 1 1
1 10 1
0 0 0
0 0 0
1 1 1 1 1 1
1 12 3 2 5 2
0 0 0 0 0 0
0 0 0 0 0 0
0
0
81
0
0
0
83
0
0
0
8
26
86
12
60
2
52
16
75
2
67
16
100
8 4
45 15
1 1
16 36
8 8
52 23
1 1
29 38
8 8
76 24
1
0
7
32
1
0
7
33
1
0
0 1 0 0 0 0
0 0 0 0 0 0
1 1 1 1 1 1 1
1 12 3 8 5 2 1
0 1 0 0 0 0 0
0 0 0 0 0 0 0
1 1 1 1 1 1 1
1 12 4 8 5 2 1
0 1 0 0 0 0 0
0 0 0 0 0 0 0
0
0
86
0
0
0
84
0
0
0
13
60
95
20
113
2
77
20
114
2
78
20
114
8 12
80 33
1 1
35 42
8 12
81 33
1 1
36 42
8 12
81 33
6
0
8
42
6
0
8
42
6
0
0 5 0 0 0 0 0 1
0 0 0 0 0 0 0 0
1 1 1 1 1 1 1 1
1 12 4 11 10 2 2 0
0 5 0 0 0 0 0 1
0 0 0 0 0 0 0 0
1 1 1 1 1 1 1 1
1 12 4 11 10 2 2 0
0 5 0 0 0 0 0 1
0 0 0 0 0 0 0 0
0
0
84
0
0
0
82
0
0
0
26
113
94
119
26
114
92
120
26
114
48 5 43 91 68 11 59 Jun-03 Sep-03 KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO
84 17 75 93 100 17 100 Jan-04 Feb-04 KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO
Note: HO = Head Office IBU = Islamic Banking Unit HOO = Head Operational Office BO = Branch Office SBO = Sub Branch Office CO = Cash Office -
-
2
Tabel
2. Aset Perbankan Syariah (Juta Rupiah) Assets of Islamic Banks (Million IDRs) KETERANGAN ITEMS
1. Kas Cash 2. Penempatan pada BI Placement at Bank Indonesia 3. Penempatan pada bank lain Inter-bank assets 4. Pembiayaan yang diberikan Financing extended 5. Penyertaan Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) Allowances for earning assets losses (PPAP) a. Cadangan umum PPAP -/PPAP General provision b. Cadangan Khusus PPAP -/PPAP Special provision 7. Aktiva tetap dan investaris Fixed assets and inventory a. Tanah dan gedung Land and building b. Akumulasi penyusutan gedung -/Building accumulated depreciation c. Inventaris Inventory d. Akumulasi penyusutan inventaris -/Accumulated depreciation of inventory 8. Rupa-rupa aktiva Other assets J U M L A H TOTAL ASSETS
Mar-03
Jun-03
Sep-03
Nov-03
Dec-03
Jan-04
65,802
78,023
88,616
111,052
127,190
111,979
689,826
823,048
1,243,415
1,375,928
1,874,925
2,255,583
186,862
197,414
281,569
380,418
242,923
307,774
3,662,587
4,161,706
4,832,246
5,466,361
5,530,167
5,860,492
2,094
2,095
2,094
2,095
2,095
2,095
(96,350)
(88,229)
(98,599)
(125,691)
(91,461)
(95,832)
(37,756)
(37,240)
(40,542)
(51,079)
(51,379)
(53,828)
(58,594)
(50,989)
(58,057)
(74,612)
(40,082)
(42,004)
101,771
103,805
130,129
135,579
137,519
144,379
42,184
41,675
55,465
58,731
57,248
58,119
(7,763)
(7,374)
(8,242)
(9,114)
(8,977)
(9,268)
120,862
128,379
149,110
156,142
159,711
171,700
(53,512)
(58,875)
(66,204)
(70,180)
(70,463)
(76,172)
19,650
24,583
79,875
96,013
35,560
171,162
4,632,242
5,302,445
6,559,345
7,441,755
7,858,918
8,757,632
*) 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)
3
Tabel
3. Kewajiban dan Modal Perbankan Syariah (Juta Rupiah) Liabilities and Equity of Islamic Banks (Miliion IDRs) KETERANGAN ITEMS
1. Giro wadiah Wadiah-current accounts 2. Tabungan mudharabah Mudharabah-saving accounts 3. Deposito mudharabah Mudharabah-investment accounts 4. Kewajiban terhadap BI Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain Inter-bank liabilities 6. Pembiayaan yang diterima Received Financing 7. Kewajiban lainnya Other payables 8. Setoran jaminan Guarantee deposits 9. Antar Kantor Bersih Interoffice net a. Melakukan kegiatan operasional di Indonesia Activities in Indonesia b. Melakukan kegiatan operasional di luar Indonesia Activities outside Indonesia 10. Rupa-rupa pasiva Other liabilities 11. Modal disetor Paid-in capital a. Modal dasar Authorized capital b. Modal yang belum disetor -/Unpaid capital 12. Perkiraan tambahan modal disetor Additional paid-in capital account a. Agio Agio b. Disagio Disagio 13. Cadangan Reserves a. Cadangan Umum General reserves b. Cadangan Tujuan Appropriated reserves 14. Laba/rugi Profit/Loss a. Tahun-tahun lalu Previous years i. Laba Profit ii. Rugi -/Loss b. Tahun berjalan Current year i. Laba Profit ii. Rugi -/Loss J U M L A H Total Liabilities and Equity
Mar-03
Jun-03
Sep-03
Nov-03
Dec-03
Jan-04
411,082
387,316
602,950
546,857
637,478
664,621
1,018,925
1,303,667
1,290,680
1,433,202
1,610,616
1,903,930
1,892,842
2,090,776
2,752,558
3,180,897
3,476,815
4,054,418
37,329
34,430
36,367
35,420
34,836
35,429
93,544
175,481
216,537
347,414
281,552
264,282
207,267
211,314
415,472
418,485
417,791
418,307
89,154
44,728
55,236
52,731
54,051
68,026
3,633
3,669
7,568
3,118
4,006
5,379
134,522
220,584
317,298
421,935
361,534
323,380
134,522
220,584
317,298
421,935
361,534
323,380
-
-
-
-
-
-
59,388
83,005
87,486
111,989
98,446
102,866
578,067
628,067
625,528
625,528
625,528
625,528
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
(921,933)
(871,933)
(874,472)
(874,472)
(874,472)
(874,472)
806
806
806
873
1,017
894
806
806
806
806
806
806
-
-
-
-
-
-
32,779
34,371
34,371
34,371
34,381
34,371
32,779
34,371
34,371
34,371
34,381
34,371
-
-
-
-
-
-
72,904
84,231
96,488
88,935
80,867
113,201
53,484
51,953
40,889
40,422
38,204
106,502
53,506
51,975
47,675
47,675
45,457
115,556
(22)
(22)
(6,786)
(7,253)
(7,253)
(9,054)
19,420
32,278
55,599
48,513
42,663
6,699
40,377
77,542
133,514
173,181
171,768
26,971
(20,957)
(45,264)
(77,915)
(124,668)
(129,105)
(20,272)
4,632,242
5,302,445
6,559,345
7,441,755
7,858,918
8,757,632
4
Gambar 1. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks Trily un Rupiah (Trillion IDRs) 10.00 Aset (Assets) 9.00 Perkembangan Aset (Assets Grow th)
14% 12% 11.44%
11.30%
8.00
10%
7.00
8.31%
6.00
7.02%
6.42%
5.00
5.31%
4.98% 3.79%
4.00 3.00
8.85%
8.66%
5.83%
2.61%
0.93%
5.54%
-0.66%
8% 6%
5.61%
4.21%
4%
2.45%
2%
1.42% 0.78% 1.01%
0.94%
2.00
6.27% 6.03% 4.13% 3.86%
3.40% 2.74%
7.02% 6.01%
6.58% 6.41% 5.31%
0.97% 0.91% 0%
-0.20%
-2%
-2.17%
1.00 0.00
-4% Dec- Jan- Feb- Mar - Apr - May- Jun- Jul00 01 01 01 01 01 01 01
Aug- Sep- Oct- Nov- Dec01 01 01 01 01
Jan- Feb- Mar - Apr - May- Jun- Jul - Aug- Sep- Oct- Nov- Dec02 02 02 02 02 02 02 02 02 02 02 02
Jan- Feb- Mar - Apr - May- Jun- Jul - Aug- Sep03 03 03 03 03 03 03 03 03
Oct- Nov- Dec- Jan03 03 03 04
Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trily un Rupiah (Trillion IDRs) 8.00 Giro Wadiah (Wadiah-cur. acc.)
Tabungan Mudharabah (Mudharabah-sav . acc.)
7.00
Pembiay aan y ang diterima (Receiv ed financing)
Deposito Mudharabah (Mudharabah-inv . acc.)
6.00 5.00 4.00 3.00 2.00 1.00 0.00 Dec00
Jan01
Feb01
Mar - Apr - May01 01 01
Jun01
Jul01
Aug01
Sep01
Oct- Nov- Dec01 01 01
Jan02
Feb- Mar - Apr - May- Jun02 02 02 02 02
Jul02
Aug- Sep02 02
Oct- Nov- Dec02 02 02
Jan03
Feb- Mar - Apr - May- Jun03 03 03 03 03
Jul03
Aug- Sep- Oct03 03 03
Nov- Dec- Jan03 03 04
5
Tabel
4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah) Composition of Deposit Fund of Islamic Banks (Million IDRs) DANA PIHAK KETIGA
Mar-03
DEPOSIT FUND Giro Wadiah
Nilai (Amount)
Wadiah currency account Tabungan Mudharabah Mudharabah saving account Deposito Mudharabah Mudharabah investment account
Dec-03
Jan-04
602,950
546,857
637,478
664,621
12.42%
10.24%
12.98%
10.60%
11.14%
10.04%
1,033,857
1,303,667
1,290,680
1,433,202
1,610,616
1,903,930
30.83%
34.47%
27.78%
27.77%
28.13%
28.75%
1,903,081
2,090,776
2,752,558
3,180,897
3,476,815
4,054,418
56.75%
55.29%
59.24%
61.63%
60.73%
61.22%
3,353,587
3,781,759
4,646,188
5,160,956
5,724,909
6,622,969
Pangsa (Share)
Total
Nov-03
387,316
Pangsa (Share) Nilai (Amount)
Sep-03
416,649
Pangsa (Share) Nilai (Amount)
Jun-03
Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trily un Rupiah (Trillion IDRs) 9.00 8.50 Pembiay aan y ang diberikan (Fin. ex tended) 8.00 7.50 Penempatan pada bank lain (Inter bk assets) 7.00 6.50 Penempatan pada BI (Plcment at BI) 6.00 5.50 5.00 4.50 4.00 3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 Dec- Jan- Feb- Mar - Apr - May- Jun00
01
01
01
01
01
01
Jul01
Aug- Sep01
01
Oct- Nov- Dec01
01
01
Jan02
Feb- Mar - Apr - May- Jun02
02
02
02
02
Jul- Aug02
02
Sep- Oct- Nov- Dec- Jan02
02
02
02
03
Feb- Mar - Apr - May- Jun03
03
03
03
03
Jul - Aug- Sep03
03
03
Oct03
Nov- Dec- Jan03
03
04
6
Tabel
5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah) Composition of Financing of Islamic Banks (Million IDRs) RINCIAN PEMBIAYAAN YANG DIBERIKAN ITEMS OF FINANCING
Dalam rangka pembiayaan bersama Sindicated Financing Dalam rangka restrukturisasi pembiayaan Restructurized Financing Penyaluran pembiayaan melalui lembaga lain Channeling Pembiayaan Musyarakah Musharakah Financing Pembiayaan Mudharabah
Piutang Murabahah
Piutang Salam
Piutang Istishna'
Lainnya
Total
Jan-04
27,116
26,517
26,214
Pangsa (Share)
0.81%
0.69%
0.58%
0.50%
0.48%
0.45%
614
535
532
500
388
380
0.02%
0.01%
0.01%
0.01%
0.01%
0.01%
6
4
3
2
Pangsa (Share)
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Nilai (Amount)
70,395
86,729
152,901
288,517
305,997
315,886
Pangsa (Share)
1.92%
2.08%
3.16%
5.28%
5.53%
5.39%
533,795
586,861
710,318
824,276
794,244
899,615
14.57%
14.10%
14.70%
15.08%
14.36%
15.35%
2,607,585
2,999,678
3,449,555
3,893,148
3,955,815
4,149,921
71.20%
72.08%
71.39%
71.22%
71.53%
70.81%
-
-
-
-
-
-
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
248,016
240,614
264,665
289,205
295,960
298,703
6.77%
5.78%
5.48%
5.29%
5.35%
5.10%
172,446
218,527
226,317
143,597
151,246
169,771
4.71%
5.25%
4.68%
2.63%
2.73%
2.90%
3,662,587
4,161,706
4,832,246
5,466,361
5,530,167
5,860,492
Nilai (Amount) Pangsa (Share) Nilai (Amount)
Pangsa (Share)
Pangsa (Share)
Pangsa (Share)
Pangsa (Share) Nilai (Amount)
Others
Dec-03
27,955
Nilai (Amount) Istishna' Receivable
Nov-03
28,758
Nilai (Amount) Salam Receivable
Sep-03
29,730
Nilai (Amount) Murabahah Receivable
Jun-03
Nilai (Amount)
Nilai (Amount)
Mudharabah Financing
Mar-03
Pangsa (Share)
-
2
7
Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah Composition of Uses and Sources of Fund of Islamic Banks
Penempatan pada BI (Plcment at BI)
Giro Wadiah (Wadiah-cur. acc.)
Penempatan pada bank lain (Inter bk assets)
Tabungan Mudharabah (Mudharabah-sav. acc.)
Pembiayaan yang diberikan (Fin. extended)
Deposito Mudharabah (Mudharabah-inv. acc.)
Penyertaan (Eq. participation)
Pembiayaan yang diterima (Received financing)
0%
8%
19%
10% 26%
5% 56%
76%
Nov-2003 0%
Nov-2003 25%
7%
10% 26%
3%
72%
57%
Des-2003 0%
Des-2003 6%
27%
9% 27%
69%
4%
Jan-2004
58%
Jan-2004
8
Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Trily un Rupiah (Trillion IDRs) 7.00 6.00 5.50
150%
Pembiay aan y ang diberikan (Fin. ex tended)
6.50
Dana Pihak Ketiga (Deposit Fund)
FDR (Financing to Deposit Ratio) 123.54%
5.00
112.30%
113.48%
4.50 4.00 3.50
100% 96.60%
3.00
88.49%
2.50 2.00 1.50 1.00 0.50 0.00
50% Dec- Jan- Feb- Mar - Apr - May- Jun00 01 01 01 01 01 01
Jul- Aug- Sep- Oct- Nov- Dec- Jan- Feb- Mar - Apr - May- Jun- Jul01 01 01 01 01 01 02 02 02 02 02 02 02
Aug- Sep- Oct- Nov- Dec- Jan- Feb- Mar - Apr - May- Jun02 02 02 02 02 03 03 03 03 03 03
Jul- Aug- Sep- Oct- Nov- Dec- Jan03 03 03 03 03 03 04
Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trily un Rupiah (Trillion IDRs) 7.00 6.00
Pembiayaan yang diberikan (Fin. extended)
5.00
Provision for Losses (PPAP)
4.00 3.00 2.00 1.00 0.00 Dec- Jan00 01
Feb- Mar - Apr - May- Jun- Jul - Aug01 01 01 01 01 01 01
Sep01
Oct- Nov- Dec- Jan- Feb- Mar - Apr - May- Jun- Jul - Aug- Sep01 01 01 02 02 02 02 02 02 02 02 02
Oct- Nov- Dec- Jan- Feb- Mar - Apr - May- Jun- Jul - Aug- Sep- Oct- Nov- Dec02 02 02 03 03 03 03 03 03 03 03 03 03 03 03
Jan04
9
Tabel
6. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING
Lancar
Nilai (Amount) Current Pangsa (Share)
Dalam Perhatian Khusus
Nilai (Amount) Special Mention Pangsa (Share)
Kurang Lancar
Nilai (Amount) Sub-standard Pangsa (Share)
Diragukan
Nilai (Amount) Doubtful Pangsa (Share)
Macet
Nilai (Amount) Loss Pangsa (Share) Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs
Mar-03
Jun-03
Sep-03
Nov-03
Dec-03
Jan-04
3,335,280
3,741,571
4,427,765
4,936,514
5,148,784
5,437,221
91.06%
89.90%
91.63%
90.31%
93.10%
92.78%
182,165
256,684
213,284
344,689
251,756
270,012
4.97%
6.17%
4.41%
6.31%
4.55%
4.61%
57,347
84,633
94,267
83,993
57,641
68,097
1.57%
2.03%
1.95%
1.54%
1.04%
1.16%
18,642
27,016
32,129
30,134
16,260
19,357
0.51%
0.65%
0.66%
0.55%
0.29%
0.33%
69,153
51,802
64,801
71,031
55,726
65,805
1.89%
1.24%
1.34%
1.30%
1.01%
1.12%
3,662,587
4,161,706
4,832,246
5,466,361
5,530,167
5,860,492
145,142
163,451
191,197
185,158
129,627
153,259
3.96%
3.93%
3.96%
3.39%
2.34%
2.62%
*) 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 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah Current Year Profits and Losses of Islamic Banks Dec-03 Oct -03 Aug-03 Jun-03 Apr-03 Feb-03 Dec-02 Oct -02 Aug-02 Jun-02 Apr-02 Feb-02 Dec- 01 Oct - 01 Aug- 01 Jun- 01 Apr- 01 Feb- 01 Dec-00
-129.11 -124.67 -109.34
-20.27
26.97 155.19
-77.92 -69.63 -59.31 -45.26 -35.84 -27.85 -25.81 -11.66 -6.06 -36.06 -38.72 -31.57 -28.44 -26.03 -24.15 -19.94 -17.02 -12.98 -9.85 -6.91 -4.39 -7.03 -20.14 -16.98 -18.12 -13.66 -10.21 -7.50 -9.67 -9.70 -6.38 -4.90 -2.86 -9.82
171.77 173.18
133.51 97.65
40.38 29.38
117.92
77.54 66.30 54.54
16.05 90.11 91.19 83.59 72.29 61.09 49.97 41.39 33.21 25.93 20.08 14.70 8.43 90.06 65.46 58.02 51.53 44.35 36.84 Laba tahun berjalan (Current y ear profit) 30.88 22.85 Rugi tahun berjalan (Current y ear losses) 17.77 12.78 7.84 3.75 34.96
-15 -14 -13 -12 -11 -10 -9 -8 -70 -6 -50 -4 -3 -2 -10 0.0 10. 20. 30. 40. 50. 60. 70. 80. 90. 10 110 12 13 14 150 16 170 18 19 20 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 .00 0.0 .00 0.0 0.0 0.0 .00 0 00 00 00 00 00 00 00 00 00 0.0 .00 0.0 0.0 0.0 .00 0.0 .00 0.0 0.0 0.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Mily ar Rupiah (Billion IDRs)
10
Tabel
7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market (PUAS)
Periode
Volume Transaksi (Juta Rupiah)
Tingkat Indikasi Imbalan Sertifikat IMA (%) Indication Rate of Return of IMA Certificate (%)
Jangka Waktu Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt (hari) Indikasi Imbalan Sertifikat IMA (%)
Tkt Imbalan Dep Inv Mudharabah sebelum Nisbah Bagi Hasil distribusi pada Bank Pengelola Dana bln untuk Bank sebelumnya (R) Penanam Dana (K) Period
Volume of Transaction (Million IDRs)
Maturity (Days)
Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%)
Indication Rate of Return of Mudharabah Inv. Before Distributed Last Month at Issuing Bank(R)
PLS Portion for Lender Bank (K)
1,500
10.400
71.00
7
7.4124
2,000 1,000
10,810 12,130
71.00 62.00
3 1
7.6751 7.5206
3,000 500 1,250
13,35 10.000 11.000
71.00 53.00 59.00
1 3 1
9.4856 5.3000 6.4900
14-Apr-03
500
13.760
71.00
1
9.7696
21-Apr-03
500
13.760
72.00
1
9.9072
28-Apr-03
7,000
13.760
72.00
1
9.9072
5-May-03
950
10.575
58.60
1
6.1473
9-May-03
15,000
9.247
51.25
3
5.0028
12-May-03
750
10.000
55.00
1
5.5000
Nov 15-Nov-02 2003 Jan 3-Jan-03 16-Jan-03 Feb 7-Feb-03 21-Feb-03 24-Feb-03 Apr
Mei
Juni 6-Jun-03
25,000
9.080
51.31
3
5.1372
24-Jun-03
1,000
15.960
50.00
1
7.9800
8-Jul-03
3,500
12.520
59.00
1
8.6713
14-Jul-03
250
15.000
70.00
31
10.5000
7-Aug-03
2,000
9.200
55.00
6
5.0600
15-Aug-03
5,000
9.730
60.00
5
5.7380
21-Aug-03
4,000
10.610
67.00
30
7.1075
5-Sep-03
5,000
9.450
58.00
30
5.4810
23-Sep-03
1,300
7.255
46.50
1
3.4998
6,000
8.800
59.67
1
5.2510
3,000
-
-
3
4.8469
8,000
6.500
48.50
1
3.1525
Juli
Agustus
September
November 18-Nov-03 2004 23-Jan-04 Februari 16-Feb-04
11
Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction 30
Milyar Rupiah (Billion IDRs)
25
20 15 10 5 0 Ju
Jul-
r-
r-
y-
n-
00
00
00
00
00
Ma
Ap
Ma
Ma Ap Ma
V ol ume
r-
r-
y-
00
00
00
0. 8
0
0
Jun- Jul 00 00
De
Ja
F
Ma
Ap
Ma
Ju
Jul-
g-
p-
t-
v-
c-
n-
eb-
r-
r-
y-
n-
01
00
00
00
00
00
01
01
01
01
01
01
Au
Au g-
Se
Oc
Sep- Oct 00
00
00 0
1
0
0
0
No
No De v-
c-
00
00
0
0
Jan- Feb01
0
Ma
01
0
Ap M a
r-
r-
01
01 01
0
0
y-
0
Jun- Jul 01 01
Ja
F
Ju
Jul-
g-
p-
t-
v-
c-
n-
eb-
r-
r-
y-
n-
02
01
01
01
01
01
02
02
02
02
02
02
No
De
v-
c-
01
01
4
0
Au
Au g-
Se
Oc
Sep- Oct 01
01
01 1
9. 2
0
6
3
No
De
Jan- Feb02
2. 5
02
0
Ma
Ap
Ma
Ma Ap Ma r-
r-
02
02 02
0
0
y-
Jun- Jul 02
02
Ja
F
Ju
Jul-
g-
p-
t-
v-
c-
n-
eb-
r-
r-
y-
n-
03
02
02
02
02
02
03
03
03
03
03
03
Au
Au g-
Se
Oc
Sep- Oct 02
02
02
5. 2 10
3. 2
3
12
14
No
De
No De v-
c-
02
02
1. 5
0
Jan- Feb03
3
03
Ma
Ap
Ma
Ma Ap Ma r-
r-
03
03 03
4. 8
0
Ma
y-
8
17
Ap
Ma
Jun- Jul 03 03
Ja
F
g-
p-
t-
v-
c-
n-
eb-
03
03
03
03
03
04
04
Au
Au g-
Se
Oc
Sep- Oct 03
03
03 26 3. 8 11 6. 3
0
No
De
No De v-
c-
03
03
6
0
Jan- Feb04
04
3
8
Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
2,500
Milyar Rupiah (Billion IDRs)
2,000
1,500
1,000
500
Ma
Ap
Ma
Ju
Jul-
r-
r-
y-
n-
00
00
00
00
00
Ma Ap Ma
Out s t andi ng
r-
r-
y-
00
00
00
J un- J ul 00
00
Au
Se
Oc
No
De
Ja
F
Ma
Ap
Ma
Ju
Jul-
g-
p-
t-
v-
c-
n-
eb-
r-
r-
y-
n-
01
00
00
00
00
00
01
01
01
01
01
01
Au g00
Sep- Oc t 00
00
No De v-
c-
00
00
J an- Feb01
01
Ma Ap Ma y-
r-
r-
01
01 01
Jun- J ul 01 01
Au
Se
Oc
No
De
Ja
F
Ju
Jul-
g-
p-
t-
v-
c-
n-
eb-
r-
r-
y-
n-
02
01
01
01
01
01
02
02
02
02
02
02
Au g01
Sep- Oct 01
01
No De v-
c-
01
01
J an- Feb02
02
Ma
Ap
Ma
M a Ap M a r-
r-
y-
02
02
02
J un- Jul 02
02
Au
Se
Oc
No
De
Ja
F
Ju
Jul-
g-
p-
t-
v-
c-
n-
eb-
r-
r-
y-
n-
03
02
02
02
02
02
03
03
03
03
03
03
Au g02
Sep- Oc t 02
02
No De v-
c-
02
02
J an- Feb03
03
Ma Ap Ma y-
r-
r-
03
03 03
J un- J ul 03 03
Au
Se
Oc
No
De
Ja
F
g-
p-
t-
v-
c-
n-
eb-
03
03
03
03
03
04
04
Au g03
Sep- Oc t03
03
No De v-
c-
03
03
J an- Feb04
04
400 507 497 393 393 394 409 312 311 291 305 331 317 288 265 303 270 235 208 229 270 281 301 316 339 244 129 413 387 304 280 407 390 542 783 737 665 611 604 730 891 910 1, 0 1, 0 1, 2 1, 6 2, 0 1, 9
12
Tabel
8. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Desember 2003) Islamic Banks’s Share to All Banks (December 2003 Position)
Islamic Banks Nominal
Total Banks
Share
Total Assets
7.86
0.74%
1068.40
Deposit Fund
5.72
0.64%
888.60
Credit/Financing extended
5.53
1.16%
477.19
LDR/FDR*)
96.60%
53.70%
2.34%
8.2%
NPL *) FDR = Financing extended/Deposit Fund LDR = Credit extended/Deposit Fund
Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank Islamic Banks’s Share to All Banks 1.40%
1.20%
1.00%
0.80%
0.60%
0.40%
0.20%
0.00%
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
T ot al A sset s
0. 17 0. 17 0. 17 0. 18 0. 18 0. 20 0. 21 0. 22 0. 23 0. 23 0. 24 0. 24 0. 25 0. 25 0. 26 0. 26 0. 28 0. 29 0. 32 0. 32 0. 33 0. 34 0. 35 0. 38 0. 36 0. 39 0. 40 0. 42 0. 43 0. 46 0. 48 0. 53 0. 56 0. 58 0. 61 0. 65 0. 74
Deposi t Fund
0. 15 0. 15 0. 16 0. 17 0. 17 0. 18 0. 19 0. 20 0. 21 0. 20 0. 23 0. 22 0. 23 0. 23 0. 23 0. 23 0. 25 0. 26 0. 28 0. 29 0. 30 0. 31 0. 33 0. 36 0. 35 0. 38 0. 38 0. 40 0. 41 0. 43 0. 45 0. 47 0. 51 0. 54 0. 55 0. 59 0. 64
Cr / Fi n ext
0. 40 0. 41 0. 42 0. 44 0. 43 0. 45 0. 48 0. 52 0. 55 0. 54 0. 53 0. 56 0. 57 0. 58 0. 60 0. 61 0. 68 0. 73 0. 76 0. 77 0. 80 0. 82 0. 84 0. 86 0. 80 0. 84 0. 85 0. 87 0. 91 0. 94 0. 96 1. 00 1. 05 1. 06 1. 09 1. 15 1. 16
13
