Statistik Perbankan Syariah
Islamic Banking Statistics
JANUARI
2007
JANUARY
Direktorat Perbankan Syariah
Statistik Perbankan Syariah (Islamic Banking Statistics)
DAFTAR ISI CONTENTS Tabel
1.
Jaringan Kantor..................................................................................... 3 Networking
Tabel
2.
Aset ……………………......................................................................... 4 Assets
Tabel
3.
Kewajiban dan Modal ........................................................................... 5 Liabilities and Equity
Tabel
4.
Laba/Rugi…………………….................................................................. 6 Income Statement
Gambar 1.
Perkembangan Aset …………………….……………………………………... 7 Growth of Assets of Islamic Banks
Gambar 2.
Sumber Dana ……………………. …………………………………………….. 7 Sources of Fund of Islamic Banks
Tabel
5.
Komposisi Dana Pihak Ketiga................................................................ 8 Composition of Deposits
Gambar 3.
Jumlah Rekening Dana Pihak Ketiga...................................................... 8 Composition of Deposits
Gambar 4.
Pers entase Bagi Hasil Dana Pihak Ketiga................................................ 9 Percentage of Profit Sharing of Deposits
Gambar 5.
Komposisi Deposito Mudharabah.......................................................... 9 Composition of Mudharabah Deposit Account
Gambar 6.
Aktiva Produktif Utama Perbankan Syariah............................................ 1 0 The major Earning Assets
Tabel
6.
Komposisi Pembiayaan Perbankan Syariah............................................. 1 0 Composition of Financing
Tabel
7.
Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi .................. 1 1 Financing based on Economic Sector
Gambar 7.
Pembiayaan Berdasarkan Jenis Penggunaan............................................ 1 1 Financing based on Type of Use
Gambar 8.
Pembiayaan Berdasarkan Golongan Pembiayaan.................................... 1 2 Financing based on Type of Financing
Gambar 9.
Jumlah Rekeing Pembiayaan.................................................................. 1 2 Number of Account Financing
Gambar 10. Persentase Bagi Hasil/Fee/Margin Pembiayaan........................................ 1 3 Percentage of Profit Sharing/Fee/Margin of Financing Gambar 11. Komposisi Penggunaan dan Sumber Dana.............................................. 1 4 Composition of Uses and Sources of Fund Gambar 12. Rincian Surat Berharga.......................................................................... 1 5 Secutities Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga...................... ..................... 1 5 Percentage of Bonus/Profit Sharing Secutities Gambar 14. Sumber Dana, Pembiayaan, dan FDR ……………………. ………………… 1 6 Sources of Fund, Financing, and FDR Gambar 15. Pembiayaan dan PPAP ………………………………….…………………….. 1 6 Financing and Provision for Losses (PPAP)
..1..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
8.
Pembiayaan Non Lancar ............…………………………………………... 1 7 Non Performing Financings (NPFs)
Gambar 16.
Pembiayaan Non Lancar ............…………………………………………... 1 7 Non Per forming Financings (NPFs)
Gambar 17.
Laba dan Rugi Tahun Berjalan ............................…………………………. 1 8 Current Year Profits and Losses
Gambar 18. Rasio Keuangan ROA dan ROE............................………………………….1 8 ROA and ROE Financial Ratio Gambar 19.
Layanan Syariah……………..............................…………………………. Office Channeling
Tabel
Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)..... 2 0 Transaction of Islamic Interbank Money Market (PUAS)
9.
19
Gambar 20. Volume Transaksi PUAS……………………………………………………….. 2 1 Volume of PUAS Transaction Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)……………………………. 2 1 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel
10. Pangsa Perbankan Syariah Terhadap Total Bank .................................... 2 2 Islamic Banks’s Share to All Banks
Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank..................................... 2 2 Islamic Banks’s Share to All Banks
..2..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
1. Jaringan Kantor Networking
Kelompok Bank Group of Banks Bank Umum Syariah Islamic Commercial Banks 1. PT Bank Muamalat Indonesia*) 2. PT Bank Syariah Mandiri*) 3. PT Bank Syariah Mega Indonesia Unit Usaha Syariah Islamic Banking Unit 1. PT Bank IFI 2. PT Bank Negara Indonesia 3. PT Bank Jabar 4. PT Bank Rakyat Indonesia 5. PT Bank Danamon 6. PT Bank Bukopin 7. PT Bank Internasional Indonesia 8. HSBC, Ltd. 9. PT Bank DKI 10. BPD Riau 11. BPD Kalsel 12. PT Bank Niaga 13. BPD Sumut 14. BPD Aceh 15. Bank Permata 16. Bank Tabungan Negara 17. BPD NTB 18. BPD Kalbar 19. BPD Sumsel 20. BPD Kaltim Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL
Mar-06 Jun-06 Sep-06 KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO
UPS KK SSU CO
3
102
57
10
135
3
102
56
16
135
3
112
57
18
149
1 1 1
43 55 4
11 43 3
2 8 0
80 55 0
1 1 1
43 55 4
10 43 3
8 8 0
79 56 0
1 1 1
51 57 4
10 43 4
9 9 0
80 69 0
19
88
52
0
1
19
88
55
0
3
19
92
59
0
3
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
1 19 5 27 7 5 1 0 1 2 2 2 2 1 3 7 1 1 1
0 18 0 16 3 1 3 1 0 0 0 5 0 0 5 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 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
1 19 5 27 7 5 1 0 1 2 2 2 2 1 3 7 1 1 1
0 21 0 16 3 1 3 1 0 0 0 5 0 0 5 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 0 0 0 0 0 3 0 0 0 0 0 0 0 0 0 0
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
1 22 5 27 7 5 1 0 1 2 2 2 2 1 4 7 1 1 1
0 25 0 16 3 1 3 1 0 0 0 5 0 0 5 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 0 0 0 0 0 3 0 0 0 0 0 0 0 0 0 0
94
0
0
0
0
96
0
0
0
0
105
0
0
0
0
116
190
109
10
136
118
190
111
16
138
127
204
116
18
152
Nov-06 Kelompok Bank KP/UUS KPO/KC KCP UPS Group of Banks HO/IBU HOO/BO SBO SSU Bank Umum Syariah 3 112 57 21 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia*) 1 51 10 10 2. PT Bank Syariah Mandiri*) 1 57 43 11 3. PT Bank Syariah Mega Indonesia 1 4 4 0 Unit Usaha Syariah 19 93 59 0 Islamic Banking Unit 1. PT Bank IFI 1 1 0 0 2. PT Bank Negara Indonesia 1 22 25 0 3. PT Bank Jabar 1 5 0 0 4. PT Bank Rakyat Indonesia 1 27 16 0 5. PT Bank Danamon 1 7 3 0 6. PT Bank Bukopin 1 5 1 0 7. PT Bank Internasional Indonesia 1 1 3 0 8. HSBC, Ltd. 1 0 1 0 9. PT Bank DKI 1 1 0 0 10. BPD Riau 1 2 0 0 11. BPD Kalsel 1 2 0 0 12. PT Bank Niaga 1 2 5 0 13. BPD Sumut 1 2 0 0 14. BPD Aceh 1 1 0 0 15. Bank Permata 1 5 5 0 16. Bank Tabungan Negara 1 7 0 0 17. BPD NTB 1 1 0 0 18. BPD Kalbar 1 1 0 0 19. BPD Sumsel 1 1 0 0 20. BPD Kaltim Bank Perkreditan Rakyat Syariah 105 0 0 0 Islamic Rural Banks TOTAL 127 205 116 21 *) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO) 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)
Dec-06 Jan-07 KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO
UPS KK SSU CO
155
3
112
57
21
156
3
112
57
21
162
82 73 0
1 1 1
51 57 4
10 43 4
10 11 0
80 76 0
1 1 1
51 57 4
10 43 4
10 11 0
80 82 0
6
20
97
59
0
6
20
98
59
0
7
0 0 0 0 0 0 0 0 4 0 0 0 0 2 0 0 0 0 0
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
1 23 5 27 7 5 1 0 1 2 2 2 2 1 5 9 1 1 1 1
0 25 0 16 3 1 3 1 0 0 0 5 0 0 5 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 0 0 0 0 0 0 0 4 0 0 0 0 2 0 0 0 0 0 0
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
1 24 5 27 7 5 1 0 1 2 2 2 2 1 5 9 1 1 1 1
0 25 0 16 3 1 3 1 0 0 0 5 0 0 5 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 0 0 0 0 0 0 0 5 0 0 0 0 2 0 0 0 0 0 0
0
105
0
0
0
0
105
0
0
0
0
161
128
209
116
21
162
128
210
116
21
169
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 -
-
..3..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
2. Aset (Juta Rupiah)
Assets (Million IDRs)
KETERANGAN ITEMS
Mar-06
Jun-06
Sep-06
Nov-06
Dec-06
1. Kas 240,232 255,162 296,707 320,067 346,114 Cash 2. Penempatan pada BI 2,091,496 2,236,101 2,234,167 2,804,821 3,640,734 Placement at Bank Indonesia 3. Penempatan pada bank lain 956,785 832,120 901,533 771,929 991,377 Inter-bank assets 4. Pembiayaan yang diberikan 15,996,948 18,162,126 19,662,542 20,391,420 20,444,907 Financing extended 5. Penyertaan 5,660 5,660 5,660 5,660 5,660 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (356,885) (428,454) (507,931) (566,001) (514,724) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 251,334 254,131 260,844 262,366 270,397 Fixed assets and inventory 8. Rupa-rupa aktiva 1,360,425 1,383,974 1,455,442 1,488,323 1,495,482 Other assets J U M L A H 20,545,995 22,700,820 24,313,155 25,488,349 26,722,030 TOTAL ASSETS
Jan-07 381,095 4,035,892 991,005 20,218,546 5,660 (528,450) 270,905 1,559,655 26,948,764
*) 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)
..4..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
3. Kewajiban dan Modal (Juta Rupiah) Liabilities and Equity (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 10. Rupa-rupa pasiva Other liabilities 11. Modal disetor Paid-in capital 12. Perkiraan tambahan modal disetor Additional paid-in capital account 13. Cadangan 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-06
Jun-06
Sep-06
Nov-06
Dec-06
Jan-07
2,257,372
2,657,588
2,747,786
2,846,804
3,415,747
3,277,229
4,501,201
4,971,785
5,604,591
5,844,672
6,430,355
6,574,048
8,197,133
8,803,355
9,623,131
10,655,678
10,826,079
10,663,216
32,397
32,366
32,346
32,324
32,319
32,317
842,780
1,186,126
1,125,800
841,354
873,991
1,017,536
194,790
190,439
185,387
185,786
180,625
181,326
210,618
272,383
278,014
290,513
284,938
368,551
24,534
21,414
19,425
20,851
25,126
24,655
2,322,837
2,666,960
2,652,489
2,597,150
2,365,712
2,400,556
398,398
396,018
411,424
413,808
460,790
555,800
951,224
951,224
951,224
991,224
991,224
991,224
132,498
951,224
951,224
991,224
991,224
991,224
230,112
268,043
268,040
268,040
268,040
252,553
250,101
140,621
236,889
347,963
382,503
452,859
168,195
(24,513)
(24,548)
27,456
27,456
379,346
271,165
78,150
78,115
78,115
78,115
391,216
(102,970)
(102,663)
(102,663)
(50,659)
(50,659)
(11,870)
81,906
165,134
261,437
320,507
355,047
73,513
185,074
386,212
618,394
773,838
814,598
118,000
(103,168)
(221,078)
(356,957)
(453,331)
(459,551)
(44,487)
26,722,030
26,948,764
20,545,995
22,700,820
24,313,155
25,488,349
..5..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
4. Laba / Rugi (Juta Rupiah)
Income Statement ( Miliion IDRs) KETERANGAN
Mar-06
I. Pendapatan Operasional 682,635 Operations Income A. Pendapatan dari Penyaluran Dana 628,074 Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 586,568 From Third Party Non Banks 2. Bank Indonesia 22,491 From Bank Indonesia 3. Bank-bank lain 19,015 From Other Banks B. Pendapatan Operasional Lainnya 54,561 Other Operations Income 1. Jasa Investasi Terikat 2,698 Restricted Investment Services 2. Jasa layanan 11,231 Fee Based Income 3. Pendapatan dari transaksi valuta asing 340 Income from Foreign Exchange Transaction 4. Koreksi PPAP 9,433 Provision for Losses Correction 5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 22 Correction of Provision for Losses Administrative Statement Transaction 6. Lainnya 30,837 Others II. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (293,597) Profit Sharing for Unrestricted Investment 1. Pihak ketiga bukan bank 286,048 From Third Party Non Banks 2. Bank Indonesia 0 From Bank Indonesia 3. Bank-bank lain 7,549 From Other Banks III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Tidak 1,446,314 Terikat Distribution Income after Distribution Income For Unrestricted Investment Investor IV. Beban Operasional 290,188 Operations Expenses A. Beban Bonus titipan wadiah 11,799 Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing 46 Foreign Exchange Transaction Expense C. Biaya Perbaikan Aktiva Ijarah 0 Ijarah Assets Recovery Cost D. Premi 8,332 Premium E. Tenaga kerja 83,437 Labour F. Pendidikan dan pelatihan 3,040 Education and Training G. Penelitian dan pengembangan 254 Research and Development H. Sewa 21,364 Leasing I. Promosi 17,469 Promotion J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 782 Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 6,102 Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 78,224 Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 0 Decrease in Value of Securities N. Lainnya 59,339 Others Laba Operasional 98,850 Operation Profit Pendapatan Non Operasional 174,538 Non Operations Income Beban Non Operasional 183,981 Non Operations Expenses Laba Non Operasional (9,443) Non Operations Profit Laba Tahun Berjalan 89,407 Current Profit/Loss Laba (setelah taksiran pajak penghasilan) 81,894 Profit After Calculations of Income Tax
Jun-06
Sep-06
Nov-06
Dec-06
1,534,646
2,383,985
3,033,198
3,372,807
Jan-07 314,494
1,406,267
2,169,240
2,780,703
3,084,714
288,002
1,317,741
2,062,666
2,651,779
2,941,373
269,027
38,766
51,349
61,369
71,307
13,333
49,760
55,225
67,555
72,034
5,642
128,379
214,745
252,495
288,093
26,492
4,754
7,952
9,839
10,798
1,092
26,944
47,041
60,683
69,573
7,101
714
1,331
2,048
3,404
296
25,909
34,728
37,451
44,951
6,477
51
59
89
3,126
34
70,007
123,634
142,385
156,241
11,492
(604,497)
(950,876)
(1,186,637)
(1,305,700)
(118,701)
588,722
918,042
1,149,748
1,269,765
116,202
0
0
0
0
0
15,775
32,834
36,889
35,935
2,499
1,446,314
1,446,314
1,446,314
1,446,314
1,446,314
727,268
1,114,123
1,451,192
1,586,836
115,445
22,331
37,430
51,087
58,488
5,713
58
44
46
46
0
0
0
0
0
0
16,592
25,948
32,799
36,967
2,602
182,601
286,036
397,682
438,628
36,947
7,351
13,887
16,962
19,248
858
513
741
837
985
43
46,906
70,015
91,259
102,165
8,159
39,586
62,662
79,160
89,856
7,371
1,539
2,231
2,744
3,104
278
12,662
20,718
26,907
31,087
2,367
266,597
389,069
525,790
542,876
32,812
0
83
228
379
12
130,532
205,259
225,691
263,007
18,283
202,881
318,986
395,369
480,271
80,348
358,896
587,009
748,530
837,765
98,488
386,182
629,801
802,642
903,986
95,477
(42,792)
(54,112)
(66,221)
3,011
175,595
(27,286)
276,194
341,257
414,050
83,359
165,027
261,437
320,507
355,047
73,513
..6..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 1. Perkembangan Aset Growth of Assets
Triliun Rupiah (Trillion IDRs)
6%
28.00 Aset (Assets)
26.00
4.84%
Perkembangan Aset (Assets Growth)
5%
24.00 3.85%
22.00
4%
3.65%
20.00 3.13%
18.00
3.12%
2.65%
3.06%
3%
16.00 2%
1.73%
14.00 12.00
1%
10.00
0.71%
8.00
0%
6.00 4.00
0.85%
0.42%
-0.61% -1%
-1.41%
2.00 0.00
-2%
Jan-06
Feb-06
Mar-06 Apr-06 May-06 Jun-06
Jul-06 Aug-06 Sep-06 Oct-06 Nov-06
Dec-06
Jan-07
Gambar 2. Sumber Dana
Source of Fund
22.00
Triliun Rupiah (Trillion IDRs)
Pembiayaan yang diterima (Received financing)
20.00
Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.)
18.00
Giro Wadiah (Wadiah-cur. acc.)
16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Jan-06
Feb-06 Mar-06
Apr-06 May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06 Nov-06
Dec-06
Jan-07
..7..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
5. Komposisi Dana Pihak Ketiga (Juta Rupiah) Composition of Deposits (Million IDRs)
DANA PIHAK KETIGA
Mar-06
DEPOSIT FUND Giro Wadiah
Nilai (Amount)
Wadiah currency account Tabungan Mudharabah Mudharabah saving account
2,257,372
Jun-06 2,657,588
Sep-06 2,747,786
Nov-06 2,846,804
Dec-06 3,415,747
Jan-07 3,277,229
Pangsa (Share)
15.09%
16.17%
15.29%
14.71%
16.52%
15.98%
Nilai (Amount)
4,501,201
4,971,785
5,604,591
5,844,672
6,430,355
6,574,048
Pangsa (Share)
30.10%
30.26%
31.18%
30.21%
31.11%
32.05%
Deposito Mudharabah
Nilai (Amount)
8,197,133
8,803,355
9,623,131
10,655,678
10,826,079
10,663,216
Mudharabah investment account
Pangsa (Share)
54.81%
53.57%
53.53%
55.08%
52.37%
51.98%
14,955,706
16,432,728
20,672,181
20,514,493
Total
17,975,508
19,347,154
Gambar 3. Jumlah Rekening Dana Pihak Ketiga Number of Account Deposit s
2,500,000 Giro wadiah (Wadiah Curr. Acc)
2,000,000
Deposito Mudharabah (Mudharabah Inv. Acc.) Tabungan Mudharabah (Mudharabah Sav. Acc.)
1,500,000
1,000,000
500,000
0
Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
Giro wadiah (Wadiah Curr. Acc)
26,590 27,718
29,201
29,201
30,734 35,019
Deposito Mudharabah (Mudharabah Inv. Acc.)
62,491 62,562 63,173
63,173
65,295 65,546 65,598 74,006 70,691 71,679
33,466 31,609 32,758 33,477 35,970
34,499
35,399
72,214 74,078
76,214
Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,199,185 1,221,6421,297,9781,297,9781,410,813 1,481,9901,523,8911,589,8401,667,982 1,727,7311,855,8611,883,8751,946,941
..8..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga Percentage of Profit Sharing Deposits
12
10
8 ( 6
% )
4
2
0 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Giro wadiah (Wadiah Curr. Acc)
0.98
1.17
1.08
1.08
1.10
1.08
1.12
1.11
1.16
1.13
1.12
1.27
Deposito Mudharabah (Mudharabah Inv. Acc.)
7.71
8.37
8.31
8.31
8.58
8.52
8.34
10.01
8.89
8.52
8.74
9.41
1.12 8.59
Tabungan Mudharabah (Mudharabah Sav. Acc.)
3.45
3.57
3.87
3.87
4.12
3.50
3.85
5.62
4.11
3.66
3.32
3.72
3.32
Gambar 5. Komposisi Deposito Mudarabah Composition of Mudharabah Investment Account
diatas 12 bulan (ab. 12 Months)
0.01%
20.06%
12 bulan (Months)
6 bulan (Months)
11.78%
18.20%
3 bulan (Months)
49.46%
1 Bulan (Month)
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
..9..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 6. Aktiva Produktif Utama The Major Earning Assets
28.00
Triliun Rupiah (Trillion IDRs) Penyertaan (Eq. participation)
26.00
Pembiayaan yang diberikan (Fin. extended)
24.00
Penempatan pada bank lain (Inter bk assets)
22.00
Penempatan pada BI (Plcment at BI)
20.00 18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Jan-06
Tabel
Feb-06
Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06
Sep-06 Oct-06
Nov-06
Dec-06
Jan-07
6. Komposisi Pembiayaan (Juta Rupiah)
Composition of Financing (Million IDRs)
RINCIAN PEMBIAYAAN YANG DIBERIKAN ITEMS OF FINANCING Pembiayaan Musyarakah
Mar-06
Jun-06
Sep-06
Nov-06
Dec-06
Jan-07
Nilai (Amount)
2,005,520
2,099,122
2,336,017
2,327,692
2,334,751
2,272,140
Musharakah Financing Pangsa (Share)
12.54%
11.56%
11.88%
11.42%
11.42%
11.24%
Nilai (Amount)
3,208,905
3,560,848
3,842,979
3,966,193
4,062,200
4,006,756
Pangsa (Share)
20.06%
19.61%
19.54%
19.45%
19.87%
19.82%
Nilai (Amount)
9,981,242
Pangsa (Share)
62.39%
Pembiayaan Mudharabah Mudharabah Financing Piutang Murabahah Murabahah Receivable Piutang Salam Salam Receivable Piutang Istishna' Istishna' Receivable Lainnya Others Total
11,778,333 12,449,101 12,857,789 12,624,241 12,487,025 64.85%
63.31%
63.05%
61.75%
61.76%
Nilai (Amount)
-
-
-
-
-
-
Pangsa (Share)
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Nilai (Amount)
289,179
293,359
303,440
346,185
336,970
339,639
Pangsa (Share)
1.81%
1.62%
1.54%
1.70%
1.65%
1.68%
Nilai (Amount)
512,102
430,464
731,005
893,561
1,086,745
1,112,986
Pangsa (Share)
3.20%
2.37%
3.72%
4.38%
5.32%
5.50%
15,996,948 18,162,126 19,662,542 20,391,420 20,444,907 20,218,546
..10..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel 7 . Pembiayaan Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing based on Economic Sector (Million IDRs)
SEKTOR EKONOMI
Sep-06
ECONOMIC SECTOR Pertanian, kehutanan dan sarana pertanian
Oct-06
735,353
Agriculture, forestry and agricultural facilities Pertambangan Mining Perindustrian
734,205
Dec-06
724,068
Jan-07
701,044
706,150
3.74%
3.66%
3.56%
3.43%
3.49%
724,125
506,012
514,870
374,581
324,494
3.68%
2.52%
2.53%
1.83%
1.60%
1,043,957
1,006,230
996,702
939,713
918,738
5.31% 90,815
5.02% 54,113
4.90% 51,068
4.60% 17,158
4.54% 6,651
Manufacturing Listrik, gas dan air Water, gas and electricity Konstruksi
Nov-06
0.46%
0.27%
0.25%
0.08%
0.03%
1,917,401
1,869,849
1,837,927
1,637,027
1,493,829
9.75%
9.33%
9.03%
8.01%
7.39%
Perdagangan, restoran dan hotel
Constuction
2,551,781
2,704,257
2,940,605
3,041,050
3,775,331
Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi
12.98% 1,331,252
13.49% 1,246,075
14.45% 1,192,689
14.87% 1,165,429
18.67% 1,185,529
Transport, cargo storage and commnucation Jasa dunia usaha
6.77%
6.21%
5.86%
5.70%
5.86%
5,074,300
5,270,985
5,244,418
5,457,711
5,263,558
Business Services Jasa sosial/masyarakat Social Services Lain-lain
25.81%
26.29%
25.77%
26.69%
26.03%
1,402,699
1,497,662
1,519,482
1,456,391
1,380,511
7.13% 4,790,859
7.47% 5,161,856
7.47% 5,332,851
7.12% 5,654,803
6.83% 5,163,755
Others Total
24.37% 19,662,542
25.74%
26.20%
20,051,244
20,354,680
27.66%
25.54%
20,444,907
20,218,546
Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan Financing base d On Type of Use
Triliun Rp (Trillion IDRs) 12.00 Modal Kerja (Working Capital) Investasi (Investment) Konsumsi (Consumption) 10.00
10.45 9.99 9.62
10.41 10.82
10.66 10.33
9.65
8.65 9.19 7.80
8.00
8.17 7.73 5.67
6.00 4.56
4.21
4.00
4.52
4.64
4.89
4.88
3.98
4.17
5.34
5.17
4.80
4.88 4.53
4.33
3.11
5.17
3.26
3.27
3.42
3.53
3.66
4.46
4.39
4.37
4.23
2.00
0.00 Jan-06
Feb-06 Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06
Oct-06 Nov-06 Dec-06 Jan-07
..11..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan Financing based o n Type of Financing
Triliun Rp (Trilion IDRs) 16.00 UKM (Small and Medium Business) Non UKM (Small and Medium Business) 14.00
12.94 12.22
14.59
14.58
13.74
11.31
12.00
12.61
10.28
10.00
14.87
14.43
11.56
10.09
10.72
8.00 6.09
5.95
6.00
5.66
5.57
5.28
4.00
5.91
5.81
4.97
5.92
5.80
5.64
5.28
5.11
2.00 0.00 Jan-06
Feb-06 Mar-06
Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06
Oct-06 Nov-06 Dec-06 Jan-07
Gambar 9. Jumlah Rekening Pembiayaan Number of Account Financing
600,000 Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others)
500,000
400,000
300,000
200,000
100,000
0 Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others)
Jan-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
18,624
18,863
19,848
19,196
18,129
15,162
15,583
132,488
141,743
152,352
161,143
131
135
139
146
174,559 194,745 156
153
Aug-06 Sep-06 16,188
16,712
Oct-06 17,181
215,758 237,728 263,233 524,913 151
222
317
399
Nov-06 Dec-06 17,549
17,991
Jan-07 18,120
557,281 353,673 372,616 412
445
486
..12..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 10. Persentase B agi Hasil/Fee/Margin Pembiayaan Percentage o f Profit Sharing/Fee/Margin of Financing
16 14 12 10
(%)
Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others)
8 6 4 2 0 -2 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
Pembiayaan (Financing) 11.21
11.66
11.42
11.34
11.71
12.27
12.41
12.26
12.10
12.39
12.11
12.46
12.62
Piutang (Receivable)
13.11
13.08
12.87
12.75
12.74
12.53
12.39
12.35
12.27
12.31
12.23
12.24
14.60
Lain-lain (Others)
0.59
0.53
0.53
0.52
0.59
0.45
0.50
14.56
0.49
0.58
0.55
0.66
2.35
..13..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 11. Komposisi Penggunaan dan Sumber Dana Composition of Uses and Source of Fund
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%
1%
12%
15%
3%
54% 30%
85%
Nov-2006
Nov-2006
0%
12%
1% 3%
16%
52% 31%
85%
Dec-2006
0%
Dec-2006
1%
16%
16%
4% 51%
32%
80%
Jan-2007
Jan-2007
..14..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 12. Rincian Beberapa Surat Berharga (Securities)
35.00 30.00 25.00
(%)
20.00 15.00 10.00 5.00 0.00 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06
Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
Persentase Bonus SWBI (% bonus SWBI-Av.)
0.42
0.38
1.43
0.85
0.15
0.63
2.34
0.46
1.41
1.06
2.73
1.99
2.72
Persentase Bagi Hasil Sertifikat IMA (% profit sharing IMA Certificate-Av))
5.73
7.38
4.81
4.26
18.08
17.12
20.84
26.44
28.86
15.81
18.35
6.24
7.45
Persentase Bagi Hasil Obligasi Syariah (% profit sharing sharia obligation-Av)
8.64
8.67
8.67
8.73
7.95
6.77
6.72
7.89
8.70
6.92
6.79
8.04
8.43
Persentase Bagi Hasil Surat Berharga yang dimiliki (% profit sharing securities-Av)
11.90
11.90
11.94
11.98
11.81
11.33
11.79
11.70
11.80
12.49
12.52
12.46
13.50
Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga Percentage of Bon us/Profit Sharing Securities
3.00
2.50
Triliun Rp (Trilion IDRs) SWBI Sertifikat IMA (IMA Certificate) Obligasi Syariah (Sharia Obligations) Surat Berharga yang dimiliki (Securities)
2.00
1.50
1.00
0.50
0.00 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
..15..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 14. Sumber Dana, Pembiayaan, dan FDR Source of Fund, Financing, and FDR
22.00
Triliun Rupiah (Trillion IDRs)
150%
Pembiayaan yang diberikan (Fin. extended)
20.00
Dana Pihak Ketiga (Deposit Fund) FDR (Financing to Deposit Ratio)
18.00 16.00 14.00 12.00
100% 10.00
98.56%
8.00 6.00 4.00 2.00 0.00
50% Jan-06
Feb-06
Mar-06
Apr-06 May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Gambar 15. Pembiayaan dan PPAP
Financing and Provision for Losses (PPAP)
..16..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Triliun Rupiah (Trillion IDRs)
22.00 Pembiayaan yang diberikan (Fin. extended)
20.00
Provision for Losses (PPAP)
18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Jan-06
Feb-06
Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06
Jan-07
..17..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
8. Pembiayaan Non Lancar
Non Performing Financings (NPFs)*) (Miliion IDRs)
KOLEKTIBILITAS PEMBIAYAAN
Mar-06
COLLECTIBILITY OF FINANCING Lancar
Jun-06
Sep-06
Nov-06
Dec-06
Jan-07
Nilai (Amount)
14,363,021
Current Pangsa (Share)
89.79%
91.43%
89.94%
89.99%
90.89%
89.69%
Nilai (Amount)
950,298
789,308
969,362
973,933
890,780
1,038,337
Special Mention Pangsa (Share)
5.94%
4.35%
4.93%
4.78%
4.36%
5.14%
Nilai (Amount)
361,258
275,314
432,676
408,088
352,584
314,821
Sub-standard Pangsa (Share)
2.26%
1.52%
2.20%
2.00%
1.72%
1.56%
Nilai (Amount)
123,436
203,175
201,300
207,301
235,993
309,287
Doubtful Pangsa (Share)
0.77%
1.12%
1.02%
1.02%
1.15%
1.53%
Nilai (Amount)
198,935
289,048
373,894
452,498
382,639
421,485
Loss Pangsa (Share)
1.24%
1.59%
1.90%
2.22%
1.87%
2.08%
Dalam Perhatian Khusus
Kurang Lancar
Diragukan
Macet
Total Pembiayaan (Total Financing)
16,605,281 17,685,310 18,349,600 18,582,911 18,134,616
15,996,948 18,162,126 19,662,542 20,391,420 20,444,907 20,218,546
Nominal NPFs (Coll. 3-5)
683,629
Percentage of NPFs
767,537
4.27%
4.23%
1,007,870
1,067,887
5.13%
971,216
5.24%
1,045,593
4.75%
5.17%
*) 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)
Triliun Rupiah (Trillion IDRs) 28.00
6%
Total Financing Nominal NPFs (Coll. 3-5) Percentage of NPFs
26.00 24.00
5.24% 5.08% 5.13%
22.00
4.23%
5%
5.07%
4.75%
4.71%
3.99%
20.00 18.00
5.17%
4.27% 3.97%
4%
4.19%
3.54%
16.00 3%
14.00 12.00 10.00
2%
8.00 6.00 4.00
0.53 0.61
2.00
0.66
0.73
0.77
0.68
0.87
0.97
1.01
1.02
1.07
1%
0.97 1.05
0.00
0% Jan-06
Feb-06 Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
..18..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses
-44.49
Jan-07 Dec-06 Nov-06
118.00
-459.55
814.60
-453.33
Oct-06
773.84
-413.58
Sep-06
693.39
-356.96
618.39
-313.96
Aug-06
537.74 -269.00
Jul-06
470.73 386.21
-221.08
Jun-06
-176.42
May-06
315.86
-143.47
Apr-06
248.49
-103.17
Mar-06
185.07
Laba tahun berjalan (Current year profit) -71.51
Feb-06
134.94
-39.19
Jan-06
Rugi tahun berjalan (Current year losses)
70.52
-560 -505 -450 -395 -340 -285 -230 -175 -120 -65 -10 45 100 155 210 265 320 375 430 485 540 595 650 705 760 815 Milyar Rupiah (Billion IDRs)
Gambar 17. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio
45%
1.80% 1.69% 1.55%
1.51%
1.60% 1.41%
1.39% 1.40%
1.47%
1.43%
41.18%
1.44% 1.38%
1.41%
40%
1.38%
1.40%
35%
36.94%
1.32% 33.82% 1.20%
31.46% 29.18%
28.04% 1.00%
31.29%
31.49%
30%
31.56%
30.03%
28.09%
27.60%
25%
26.34%
0.80%
20%
0.60%
15%
0.40%
10%
0.20%
ROA
ROE
5% 0%
0.00%
Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
..19..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 18. Layanan Syariah
Office Channeling
Miliar Rp (Billion IDRs)
500 450
140,000
Jumlah Kantor (Number of Offices) Dana Pihak Ketiga (Deposits)
120,000
jumlah kantor (number of offices)
400 100,000
350 300
80,000
250 60,000
200 150
40,000
100 20,000
50 0
0 Mar'06 Apr-07 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
..20..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market (PUAS)
Periode
Volume Transaksi (Juta Rupiah)
Period
Volume of Transaction (Million IDRs)
2007 2-Jan-07
3-Jan-07 4-Jan-07 5-Jan-07 8-Jan-07
9-Jan-07
10-Jan-07 11-Jan-07 12-Jan-07 15-Jan-07 16-Jan-07
17-Jan-07 18-Jan-07
19-Jan-07
22-Jan-07
23-Jan-07
24-Jan-07
25-Jan-07
26-Jan-07
29-Jan-07
30-Jan-07 31-Jan-07
30,000 14,200 5,000 12,000 8,500 4,000 6,000 30,000 15,000 2,000 15,000 1,200 2,000 10,000 3,000 20,000 750 2,500 35,000 6,500 11,000 4,700 1,750 15,000 5,000 5,000 8,000 17,900 4,000 5,000 5,000 16,000 3,700 10,000 15,000 12,200 4,500 25,000 2,400 30,000 8,000 6,000 5,000 13,600 5,000 15,000 12,000 5,000 1,000 1,000 12,000 4,000 8,000 5,000 13,800 25,000 15,000 5,000 13,000 7,500 7,500
Tingkat Indikasi Imbalan Sertifikat IMA (%) Indication Rate of Return of IMA Certificate (%) 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)
15.6700 18.9632 15.6700 15.6700 15.6700 16.0600 11.9100 15.6700 15.6700 15.6700 15.6700 15.6700 11.9100 15.6700 11.9100 12.4900 16.0600 15.6700 15.6700 15.6700 18.9632 15.6700 15.6700 15.6700 15.6700 18.9632 18.9632 18.9632 15.6700 15.6700 18.9632 18.9632 15.6700 18.9632 18.9632 18.9632 15.6700 18.9632 12.4900 15.6700 18.9632 18.9632 15.6700 18.9632 18.9632 15.6700 18.9632 15.6700 11.9100 9.1900 18.9632 15.6700 15.6700 11.9100 18.9632 18.9632 15.6700 15.6700 15.6700 15.6700 15.6700
54.00 30.00 53.00 52.00 52.00 40.00 50.50 53.00 53.00 52.00 53.00 52.00 54.57 53.00 54.57 57.00 45.00 53.00 53.00 53.00 25.00 53.00 53.00 53.00 53.00 25.00 26.00 25.00 50.00 50.00 29.00 26.00 52.00 29.00 29.00 26.00 52.00 29.00 57.00 52.00 31.60 26.00 52.00 26.00 26.00 52.00 26.00 56.00 46.18 70.00 26.00 52.00 53.00 52.48 26.00 27.70 53.00 53.00 53.00 50.00 53.00
Jangka Waktu (hari)
Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt Indikasi Imbalan Sertifikat IMA (%)
Maturity (Days)
Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%)
7 1 7 2 3 2 1 7 7 3 7 2 2 7 1 4 5 7 7 7 1 7 7 7 7 1 1 1 1 1 1 3 5 3 2 1 2 1 1 2 7 1 2 1 1 6 1 29 1 3 3 4 7 7 1 1 7 7 7 1 7
7.6456 7.6456 7.6456 8.1484 7.8391 7.8391 7.8391 7.8391 7.7117 7.7117 7.7117 7.1177 7.1177 7.8884 7.8884 7.1487 7.1487 8.3051 8.3051 7.4130 7.4130 7.4130 7.4130 7.4130 7.4130 4.8575 4.8575 5.7327 5.7327 5.7327 5.7327 5.5229 5.5229 5.5229 5.4908 6.4908 6.4908 6.4908 6.4908 6.4908 6.2222 6.2222 6.2222 6.6749 6.6749 6.6749 6.4437 6.4437 6.4437 6.5295 6.5295 6.5295 6.5295 6.5295 6.0490 6.0490 6.0490 8.3051 8.3051 8.0701 8.0701
..21..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 19. Volume Transaksi PUAS
Volume of PUAS Transaction
2,500 Volume of PUAS Transaction
Miliar Rp (Bilion IDRs)
2,000
1,500
1,000
500
0 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 578.8
Volume of PUAS Transaction
Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
724.7 845.25 1016.5 1487.7 1556.9 1084.8 1506.5 2288.9
700.8
689.8
761.6
764.45
Gambar 20. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
3,000
12.00%
Outstanding
SWBI/Aset
2,500
10.00%
2,000
8.00%
1,500
6.00%
1,000
4.00%
500
2.00%
Outstanding SWBI/Aset
Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
2,156
871.5
1,117
1,696
1,148
1,171
1,092
1,188
10.47% 8.29% 5.59% 5.55% 4.98% 5.23% 3.81% 4.74%
1,046
1,190
1,547
2,357
0.00%
2663.4
4.30% 4.75% 6.07% 8.82% 9.88%
..22..
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2006) Islamic Banks’s Share to All Banks (position November 2006)
Islamic Banks Nominal
Total Banks
Share
Total Assets
26.68
1.58%
1693.85
Deposit Fund
20.67
1.61%
1287.10
Credit/Financing extended
20.44
2.58%
792.30
FDR/LDR*) NPFS /NPL S*)
98.90%
61.56%
4.75%
6.07%
*) FDR = Financing extended/Deposit Fund LDR = Credit extended/Deposit Fund
Gambar 21. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2006) Islamic Banks’s Share to All Banks (position November 2006)
3.00%
2.50%
2.00%
1.50%
1.00%
Total Assets Deposit Fund Financing extended
0.50%
0.00%
Aug-06 Sep-06 Oct-06
Nov-06 Dec-06
Total Assets
Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 1.42%
1.40% 1.40%
1.40% 1.44% 1.45% 1.49% 1.51%
Jul-06
1.52% 1.54%
1.56%
1.56% 1.58%
Deposit Fund
1.38%
1.36% 1.32%
1.33% 1.36% 1.36% 1.41% 1.42%
1.44% 1.49%
1.53%
1.55% 1.61%
Financing extended 2.19%
2.22% 2.26%
2.33% 2.44% 2.46% 2.54% 2.58%
2.62% 2.63%
2.66%
2.66% 2.58%
..23..
