Islamic Banking Statistics
JUNI
2003
JUNE
Biro 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
1999 2000 2001 Kelompok Bank KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK Group of Banks HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO Bank Umum Syariah 2 13 7 19 2 21 8 26 2 36 5 43 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia 1 10 2 19 1 13 3 26 1 13 5 37 2. PT Bank Syariah Mandiri 1 3 5 0 1 8 5 0 1 23 0 6 Unit Usaha Syariah 1 1 0 0 3 7 0 0 3 12 0 0 Islamic Banking Unit 1. PT Bank IFI 1 1 0 0 1 1 0 0 1 1 0 0 2. PT Bank Negara Indonesia 1 5 0 0 1 10 0 0 3. PT Bank Jabar 1 1 0 0 1 1 0 0 4. PT Bank Rakyat Indonesia 5. PT Bank Danamon 6. PT Bank Bukopin Bank Perkreditan Rakyat Syariah 79 0 0 0 79 0 0 0 81 0 0 0 Islamic Rural Banks TOTAL 82 14 7 19 84 28 8 26 86 48 5 43
Sep-02 Des-02 Mar-03 Kelompok Bank KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK Group of Banks HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO Bank Umum Syariah 43 11 59 2 41 9 52 2 2 45 12 60 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia 1 13 7 44 1 13 7 46 1 13 8 45 2. PT Bank Syariah Mandiri 1 28 2 8 1 30 4 13 1 32 4 15 Unit Usaha Syariah 6 25 0 0 6 19 0 0 6 31 1 0 Islamic Banking Unit 1. PT Bank IFI 1 1 0 0 1 1 0 0 1 1 0 0 2. PT Bank Negara Indonesia 1 12 0 0 1 12 0 0 1 12 1 0 3. PT Bank Jabar 1 1 0 0 1 3 0 0 1 3 0 0 4. PT Bank Rakyat Indonesia 1 2 0 0 1 2 0 0 1 8 0 0 5. PT Bank Danamon 1 2 0 0 1 5 0 0 1 5 0 0 6. PT Bank Bukopin 1 1 0 0 1 2 0 0 1 2 0 0 7. PT Bank Internasional Indonesia Bank Perkreditan Rakyat Syariah 83 0 0 0 0 83 0 0 0 85 0 0 Islamic Rural Banks TOTAL 91 60 9 52 91 68 11 59 93 76 13 60 Jun-03 Mei-03 Jul-03 Kelompok Bank KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK KP/UUS KPO/KC KCP KK Group of Banks HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO HO/IBU HOO/BO SBO CO Bank Umum Syariah 2 50 13 66 2 52 16 75 2 54 16 77 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia 1 14 8 47 1 16 8 52 1 17 8 53 2. PT Bank Syariah Mandiri 1 36 5 19 1 36 8 23 1 37 8 24 Unit Usaha Syariah 7 32 1 0 7 32 1 0 7 32 1 0 Islamic Banking Unit 1. PT Bank IFI 1 1 0 0 1 1 0 0 1 1 0 0 2. PT Bank Negara Indonesia 1 12 1 0 1 12 1 0 1 12 1 0 3. PT Bank Jabar 1 3 0 0 1 3 0 0 1 3 0 0 4. PT Bank Rakyat Indonesia 1 8 0 0 1 8 0 0 1 8 0 0 5. PT Bank Danamon 1 5 0 0 1 5 0 0 1 5 0 0 6. PT Bank Bukopin 1 2 0 0 1 2 0 0 1 2 0 0 7. PT Bank Internasional Indonesia 1 1 0 0 1 1 0 0 1 1 0 0 Bank Perkreditan Rakyat Syariah 86 0 0 0 86 0 0 0 85 0 0 0 Islamic Rural Banks TOTAL 95 82 14 66 95 84 17 75 94 86 17 77 Keterangan: KP = Kantor Pusat UUS = Unit Usaha Syariah KPO = Kantor Pusat Operasional KC = Kantor Cabang KCP = Kantor Cabang Pembantu KK = Kantor Kas
-
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
Sep-02
Des-02
Mar-03
Apr-03
Mei-03
Jun-03
51,569
62,381
65,802
69,538
64,934
79,518
275,004
572,497
689,826
664,506
791,969
823,048
139,923
129,865
186,862
178,703
183,255
198,168
3,179,063
3,276,650
3,662,587
3,857,551
4,001,530
4,228,980
2,095
2,094
2,094
2,094
2,094
2,095
(93,285)
(91,407)
(96,350)
(97,738)
(101,321)
(88,864)
(56,930)
(41,864)
(37,756)
(36,766)
(35,635)
(37,875)
(36,355)
(49,543)
(58,594)
(60,972)
(65,686)
(50,989)
91,816
86,932
101,771
103,141
106,832
104,582
42,497
40,278
42,184
41,672
42,407
42,471
(7,461)
(6,885)
(7,763)
(7,527)
(7,633)
(7,738)
101,105
99,365
120,862
124,746
129,734
129,353
(44,325)
(45,826)
(53,512)
(55,750)
(57,676)
(59,504)
23,645
6,223
19,650
3,847
38,709
26,383
3,669,830
4,045,235
4,632,242
4,781,642
5,088,002
5,373,910
*) 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
Sep-02
Des-02
Mar-03
Apr-03
Mei-03
Jun-03
365,370
358,964
411,082
352,238
382,466
393,960
773,844
815,308
1,018,925
1,105,842
1,194,205
1,335,240
1,360,915
1,743,454
1,892,842
1,945,190
2,026,492
2,133,210
40,121
38,387
37,329
37,164
36,904
36,735
35,669
31,487
93,544
98,421
131,000
175,481
201,421
202,335
207,267
207,013
211,475
211,314
47,011
34,774
89,154
48,377
50,941
45,467
4,478
3,204
3,633
3,061
3,935
3,669
176,152
150,786
134,522
181,287
237,864
205,670
176,152
150,786
134,522
181,287
237,864
205,670
-
-
-
-
-
-
71,455
61,858
59,388
61,159
67,064
83,308
523,703
523,703
578,067
628,067
628,067
628,067
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
(976,297)
(976,297)
(921,933)
(871,933)
(871,933)
(871,933)
806
806
806
806
806
806
806
806
806
806
806
806
-
-
-
-
-
-
32,780
32,779
32,779
34,371
34,371
34,371
32,780
32,779
32,779
34,371
34,371
34,371
-
-
-
-
-
-
36,105
47,390
72,904
78,646
82,412
86,612
(7,743)
(6,660)
53,484
51,954
51,953
51,953
22,323
22,323
53,506
51,976
51,975
51,975
(30,066)
(28,983)
(22)
(22)
(22)
(22)
43,848
54,050
19,420
26,692
30,459
34,659
72,288
90,106
40,377
54,538
66,301
79,923
(28,440)
(36,056)
(20,957)
(27,846)
(35,842)
(45,264)
3,669,830
4,045,235
4,632,242
4,781,642
5,088,002
5,373,910
4
Gambar 1. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks Trily un Rupiah (Trillion IDRs) 6.00 Aset (Assets)
10% 8.66%
Perkembangan Aset (Assets Grow th) 8.31%
5.00
4.00
6.41% 6% 5.62%
4.13% 4%
3.86%
3.40% 2.74%
2.61%
0.93%
2.00
6.58%
6.27% 6.03%
5.83%
5.31%
4.98% 3.79%
8%
7.02%
6.42%
3.00
8.85%
2.45%
2%
1.42% 0.78% 1.01%
0.94%
0.97%
0.91% 0%
-0.20%
-0.66% 1.00
-2%
-2.17%
-4%
0.00 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01
Jul-01
Agust-
Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02
01
Agust- Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03 02
Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trily un Rupiah (Trillion IDRs) 4.50 Giro Wadiah (Wadiah-cur. acc.)
Tabungan Mudharabah (Mudharabah-sav . acc.)
4.00
Pembiay aan y ang diterima (Receiv ed financing)
Deposito Mudharabah (Mudharabah-inv . acc.)
3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
00
01
01
01
01
01
01
Jul-01
Agust-
Sep-
Okt-
Nop-
Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
01
01
01
01
01
02
02
02
02
02
02
Jul-02
Agust-
Sep-
Okt-
Nop-
Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
02
02
02
02
02
03
03
03
03
03
03
5
Tabel
4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah) Composition of Deposit Fund of Islamic Banks (Million IDRs) DANA PIHAK KETIGA
Sep-02
DEPOSIT FUND Giro Wadiah Wadiah currency account Tabungan Mudharabah Mudharabah saving account Deposito Mudharabah
Mar-03
Apr-03
Mei-03
Jun-03
Nilai (Amount)
365,370
358,964
416,649
352,238
382,466
393,960
Pangsa (Share)
14.61%
12.30%
12.42%
10.35%
10.61%
10.20%
Nilai (Amount)
773,844
815,308
1,033,857
1,105,842
1,194,205
1,335,240
Pangsa (Share)
30.95%
27.94%
30.83%
32.49%
33.14%
34.57%
1,360,915
1,743,454
1,903,081
1,945,190
2,026,492
2,133,210
54.43%
59.75%
56.75%
57.16%
56.24%
55.23%
2,500,129
2,917,726
3,353,587
3,403,270
3,603,163
3,862,410
Nilai (Amount)
Mudharabah investment account
Des-02
Pangsa (Share)
Total
Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trily un Rupiah (Trillion IDRs) 5.50 5.00
Pembiay aan y ang diberikan (Fin. ex tended)
4.50
Penempatan pada bank lain (Inter bk assets)
4.00
Penempatan pada BI (Plcment at BI)
3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
00
01
01
01
01
01
01
Jul-01
Agust-
Sep-
Okt-
Nop-
Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
01
01
01
01
01
02
02
02
02
02
02
Jul-02
Agust-
Sep-
Okt-
Nop-
Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
02
02
02
02
02
03
03
03
03
03
03
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
Nilai (Amount)
Sindicated Financing Dalam rangka restrukturisasi pembiayaan Restructurized Financing Penyaluran pembiayaan melalui lembaga lain Channeling Pembiayaan Musyarakah
Pangsa (Share) Nilai (Amount) Pangsa (Share) Nilai (Amount) Pangsa (Share) Nilai (Amount)
Musharakah Financing Pembiayaan Mudharabah
Pangsa (Share) Nilai (Amount)
Mudharabah Financing Piutang Murabahah
Pangsa (Share) Nilai (Amount)
Murabahah Receivable Piutang Salam
Pangsa (Share) Nilai (Amount)
Salam Receivable Piutang Istishna'
Pangsa (Share) Nilai (Amount)
Istishna' Receivable Lainnya
Pangsa (Share) Nilai (Amount)
Others Total
Pangsa (Share)
Sep-02
Des-02
Mar-03
Apr-03
Mei-03
Jun-03
24,127
27,318
29,730
29,865
29,165
28,758
0.76%
0.83%
0.81%
0.77%
0.73%
0.68%
651
631
614
558
549
535
0.02%
0.02%
0.02%
0.01%
0.01%
0.01%
9
7
6
5
5
4
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
70,116
60,191
70,395
75,422
81,898
86,729
2.21%
1.84%
1.92%
1.96%
2.05%
2.05%
475,236
498,681
533,795
544,017
562,888
593,057
14.95%
15.22%
14.57%
14.10%
14.07%
14.02%
2,230,328
2,324,222
2,607,585
2,783,967
2,874,676
3,059,458
70.16%
70.93%
71.20%
72.17%
71.84%
72.35%
58
51
-
-
-
-
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
220,755
220,720
248,016
234,433
240,708
241,954
6.94%
6.74%
6.77%
6.08%
6.02%
5.72%
157,783
144,829
172,446
189,284
211,641
218,485
4.96%
4.42%
4.71%
4.91%
5.29%
5.17%
3,179,063
3,276,650
3,662,587
3,857,551
4,001,530
4,228,980
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%
6%
14%
10%
4% 31% 53% 82%
Apr-2003 0%
Apr-2003 16%
6%
10%
4% 31% 53% 80%
Mei-2003 0%
Mei-2003 16%
5%
10%
4% 33% 52%
80%
Juni-2003
Juni-2003
8
Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Trily un Rupiah (Trillion IDRs) 4.50
150%
Pembiay aan y ang diberikan (Fin. ex tended)
4.00
Dana Pihak Ketiga (Deposit Fund)
FDR (Financing to Deposit Ratio)
3.50 123.54% 113.48%
3.00
113.35% 112.30% 110.57% 112.53% 111.06% 109.49% 108.57%
2.50
100% 2.00 1.50 1.00 0.50 0.00
50% Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
00
01
01
01
01
01
01
Jul-01
Agust-
Sep-
Okt-
Nop-
Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
01
01
01
01
01
02
02
02
02
02
02
Jul-02
Agust-
Sep-
Okt-
Nop-
Des-
Jan-
Feb-
Mar-
Apr-
Mei-
Jun-
02
02
02
02
02
03
03
03
03
03
03
Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trily un Rupiah (Trillion IDRs) 4.50 4.00 Pembiayaan yang diberikan (Fin. extended) 3.50 3.00
Provision for Losses (PPAP)
2.50 2.00 1.50 1.00 0.50 0.00 Des-00 Jan-01 Feb-01 Mar-01 Apr-01 Mei-01 Jun-01 Jul-01 Agust- Sep-01 Okt-01 Nop-01 Des-01 Jan-02 Feb-02 Mar-02 Apr-02 Mei-02 Jun-02 Jul-02 Agust- Sep-02 Okt-02 Nop-02 Des-02 Jan-03 Feb-03 Mar-03 Apr-03 Mei-03 Jun-03 01
02
9
Tabel
6. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN
Sep-02
Des-02
Mar-03
Apr-03
Mei-03
Jun-03
2,865,771
3,022,438
3,335,280
3,499,947
3,597,573
3,806,503
90.15%
92.24%
91.06%
90.73%
89.90%
90.01%
179,943
119,266
182,165
216,932
244,506
257,176
5.66%
3.64%
4.97%
5.62%
6.11%
6.08%
80,016
51,445
57,347
54,052
60,611
85,466
2.52%
1.57%
1.57%
1.40%
1.51%
2.02%
15,253
30,285
18,642
18,732
24,388
27,016
0.48%
0.92%
0.51%
0.49%
0.61%
0.64%
38,080
53,216
69,153
67,888
74,452
52,819
1.20%
1.62%
1.89%
1.76%
1.86%
1.25%
3,179,063
3,276,650
3,662,587
3,857,551
4,001,530
4,228,980
133,349
134,946
145,142
140,672
159,451
165,301
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
4.19%
4.12%
3.96%
3.65%
3.98%
3.91%
*) 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 Jun-03 Apr-03 Feb-03
Des-02 Okt-02 Agust-02
Jun-02 Apr-02 Feb-02
Des-01 Okt-01 Agust-01
Jun-01 Apr-01 Feb-01
Des-00
-45.26
-35.84
-27.85 -25.81
54.54 40.38
-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
-60.00 -50.00 -40.00 -30.00 -20.00 -10.00
79.92
66.30
16.05
29.38 90.11 91.19 83.59 72.29 61.09 41.39
25.93 20.08 14.70
49.97
33.21
8.43
90.06 51.53
58.02
65.46
44.35 30.88
7.84 3.75
36.84
22.85 17.77 12.78
Laba tahun berjalan (Current y ear profit) Rugi tahun berjalan (Current y ear losses) 34.96
0.00
10.00 20.00 30.00 40.00 50.00 60.00 70.00 80.00 90.00 100.00 110.00 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)
1000
16.2933
68.00
32
11.0794
3000 1000 5000 200
13.9200 20.7200 13.9200 20.7200
85.00 68.00 85.00 70.00
7 31 2 2
11.8300 14.0896 11.8320 14.5040
2000 3000 1000
15.5000 14.1100 14.1100
84.00 90.00 90.00
2 5 2
13.0200 12.6990 12.6990
1000 2000
15.1000 15.7500
90.00 94.00
2 2
14.4000 14.4000
4000
15.0700
82.50
1
12.4328
2500
15.5000
82.09
1
12.7240
500 4,700
14.8000 14.5850
79.00 77.50
1 1
11.6920 10.5739
10,000
15.0000
77.00
1
11.5500
1,500 1,700
14.0400 14.3800
72.00 75.00
1 1
10.0088 10.7813
3,000
14.0000
72.00
1
10.0800
2,000 5,100 5,000
12.7600 12.9375 12.7600
88.00 78.50 88.00
4 7 7
11.2288 11.4332 11.2288
5,000 2,500 700 5,000 500 500
12.22 12.22 15.000 12,22 12.800 12.800
77.00 77.00 78.94 77.00 67.00 67.00
7 4 1 7 3 1
9.4094 9.4094 11.8410 9.4094 8.5760 8.5760
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
05-Mei-03
950
10.575
58.60
1
6.1473
09-Mei-03
15,000
9.247
51.25
3
5.0028
12-Mei-03
750
10.000
55.00
1
5.5000
2001 Jun 07-Jun-01 Jul 04-Jul-01 09-Jul-01 17-Jul-01 18-Jul-01 Sept 03-Sep-01 13-Sep-01 18-Sep-01 Okt 08-Okt-01 08-Okt-01 Nov 06-Nop-01 2002 Jan 02-Jan-02 Mei 13 Mei-02 27 Mei-02 Jun 17-Jun-02 Jul 15-Jul-02 29-Jul-02 Agt 07-Agust-02 Sept 05-Sep-02 09-Sep-02 16-Sep-02 Okt 08-Okt-02 10-Okt-02 14-Okt-02 15-Okt-02 18-Okt-02 23-Okt-02 Nov 15-Nop-02 2003 Jan 03-Jan-03 16-Jan-03 Feb 07-Feb-03 21-Feb-03 24-Feb-03 Apr
Mei
Juni 06-Jun-03
25,000
9.080
51.31
3
5.1372
24-Jun-03
1,000
15.960
50.00
1
7.9800
08-Jul-03
3,500
12.520
59.00
1
8.6713
14-Jul-03
250
15.000
70.00
31
10.5000
Juli
11
Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction 30
Milyar Rupiah (Billion IDRs)
25
20
15
10
5
0 Mar- Apr-00 00
Mei00
Jun- Jul-00 Agust00
00
Mar-00 Apr-00 Mei-00 Jun-00 Jul-00
Volume
0.75
0
0
0
1
Sep-
O kt-
Nop-
Des-
Jan-
Feb-
00
00
00
00
01
01
Agust- Sep00
00
0
0
Okt-00
0
Nop-
Des-
00
00
0
0
Jan-01
0
Feb01 0
Mar- Apr-01 01
Mei01
Jun- Jul-01 01
Mar-01 Apr-01 Mei-01 Jun-01 Jul-01
0
0
0
1
9.2
Agust-
Sep-
O kt-
Nop-
Des-
Jan-
Feb-
01
01
01
01
01
02
02
Agust- Sep01
01
0
6
Okt-01
3
Nop- Des01
01
4
0
Jan-02
2.5
Feb02 0
Mar- Apr-02 02
Mei02
Jun- Jul-02 Agust02
02
Mar-02 Apr-02 Mei-02 Jun-02 Jul-02
0
0
5.2
10
3.2
Sep-
O kt-
Nop-
Des-
Jan-
Feb-
02
02
02
02
03
03
Agust- Sep-
Okt-02
Nop-
Des-
Jan-03
Feb03
Mar- Apr-03 03
Mei03
Jun- Jul-03 03
Mar-03 Apr-03 Mei-03 Jun-03 Jul-03
02
02
02
02
3
12.1
14.2
1.5
0
3
4.75
0
8
16.7
26
Sep-
O k t-
Nop-
Des-
Jan-
Feb-
M ar-
Apr-03
Mei-
J un- Jul-03
02
02
02
02
03
03
03
3.75
Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
1,000 900
Milyar Rupiah (Billion IDRs)
800 700 600 500 400 300 200 100 Mar- Apr-00 00
Mei-
J un-
00
00
Jul-00 Agust00
Mar-00 Apr-00 Mei-00 Jun-00 Jul-00
Outstanding
400
507
497
393
393
Sep-
O kt-
Nop-
Des-
Jan-
Feb-
00
00
00
00
01
01
Agust- Sep00
00
394
409
Okt-00
312
Nop- Des00
00
311
291
Jan-01
305
Feb01 331
Mar- Apr-01 01
M ei-
Jun-
01
01
Jul-01 Agust01
Mar-01 Apr-01 Mei-01 Jun-01 Jul-01
317
288
265
303
270
Sep-
O kt-
Nop-
Des-
Jan-
Feb-
01
01
01
01
02
02
Agust- Sep01
01
235
208
Okt-01
229
Nop-
Des-
01
01
270
281
Jan-02
301
Feb02 316
Mar- Apr-02 02
Mei02
Jun- Jul -02 Agust02
02
Mar-02 Apr-02 Mei-02 Jun-02 Jul-02
339
244
129
413
387
Agust- Sep02
02
304
280
Okt-02
407
Nop- Des02
02
390
542
Jan-03
783
Feb03 737
03
03
Mar-03 Apr-03 Mei-03 Jun-03 Jul-03
665
611
604
730
891
12
Tabel
8. Pangsa Perbankan Syariah Terhadap Total Bank Islamic Banks’s Share to All Banks
Islamic Banks Nominal
Total Banks
Share
Total Assets
5.37
0.48%
1111.68
Deposit Fund
3.86
0.46%
846.78
Credit/Financing extended
4.23
0.97%
434.10
LDR/FDR*)
109.49%
51.27%
3.91%
7.98%
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 1.20%
1.00%
0.80%
0.60%
0.40%
0.20%
0.00% Des-00
Jan-01 Feb-01
Mar-01
Apr-01
Mei-01
Jun-01
Jul-01
Des-00
Jan-01 Feb-01
Mar-01
Apr-01
Mei-01
Jun-01
Total Assets
0.17%
0.17%
0.17%
0.18%
0.18%
0.20%
Deposit Fund
0.15%
0.15%
0.16%
0.17%
0.17%
0.18%
Cr/F in ext
0.40%
0.41%
0.42%
0.44%
0.43%
0.45%
Agust-01 Sep-01
Okt-01 Nop-01 Des-01
Jan-02 Feb-02
Mar-02
Apr-02
Mei-02
Jun-02
Jul-02 Agust-02 Sep-02
Okt-02
Nop-02 Des-02
Jan-03 Feb-03
Mar-03
Apr-03
Mei-03
Jun-03
Jul-01 Agust-01 Sep-01
Okt-01 Nop-01
Des-01
Jan-02 Feb-02
Mar-02
Apr-02
Mei-02
Jun-02
Jul-02
Okt-02 Nop-02 Des-02
Jan-03 Feb-03
Mar-03
Apr-03
Mei-03
Jun-03
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%
0.19%
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%
0.46%
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%
0.97%
Agust-02 Sep-02
13
