Statistik Perbankan Syariah (Islamic Banking Statistics)
APRIL
2007
APRIL
Direktorat Perbankan Syariah i
Statistik Perbankan Syariah (Islamic Banking Statistics)
DAFTAR ISI CONTENTS Halaman (Page) Daftar Isi Contents
............................................................................................................ ii
Tabel
1.
Jaringan Kantor..................................................................................... 1 Networking
Tabel
2.
Aset ……………………......................................................................... 2 Assets
Tabel
3.
Kewajiban dan Modal........................................................................... 3 Liabilities and Equity
Tabel
4.
Laba/Rugi…………………….................................................................. 4 Income Statement
Gambar 1.
Perkembangan Aset …………………… .……………………………………... 5 Growth of Assets of Islamic Banks
Gambar 2.
Sumber Dana ……………………. …………………………………………….. 5 Sources of Fund of Islamic Banks
Tabel
5.
Komposisi Dana Pihak Ketiga................................................................ 6 Comp osition of Deposits
Gambar 3.
Jumlah Rekening Dana Pihak Ketiga...................................................... 6 Composition of Deposits
Gambar 4.
Persentase Bagi Hasil Dana Pihak Ketiga................................................ 7 Percentage of Profit Sharing of Deposits
Gambar 5.
Komposisi Deposito Mudharabah.......................................................... 7 Composition of Mudharabah Deposit Account
Gambar 6.
Aktiva Produktif Utama Perbankan Syariah............................................ 8 The major Earning Assets
Tabel
6.
Komposisi Pembiayaan Perbankan Syariah............................................. 8 Composition of Financing
Tabel
7.
Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi .................. 9 Financing based on Economic Sector
Gambar 7.
Pembiayaan Berdasarkan Jenis Penggunaan.............. .............................. 9 Financing based on Type of Use
Gambar 8.
Pembiayaan Berdasarkan Golongan Pembiayaan...... .............................. 1 0 Financing based on Type of Financing
Gambar 9.
Jumlah Rekeing Pembiayaan.................................................................. 1 0 Number of Account Financing
Gambar 10. Persentase Bagi Hasil/Fee/Margin Pembiayaan........................................ 1 1 Percentage of Profit Sharing/Fee/Margin of Financing Gambar 11. Komposisi Penggunaan dan Sumber Dana.............................................. 1 2 Composition of Uses and Sources of Fund Gambar 12. Rincian Surat Berharga............................................. ............................. 1 3 Secutities Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga.............. ............................. 1 3 Percentage of Bonus/Profit Sharing Secutities
ii
Statistik Perbankan Syariah (Islamic Banking Statistics)
Halaman (Page) Gambar 14. Sumber Dana, Pembiayaan, dan FDR …………………….………………… 1 4 Sources of Fund, Financing, and FDR Gambar 15. Pembiayaan dan PPAP ………………………………….…………………….. 1 4 Financing and Provision for Losses (PPAP) Tabel
8.
Pembiayaan Non Lancar ............…………………………………………. ... 1 5 Non Performing Financings (NPFs)
Gambar 16.
Perkembangan Pembiayaan Non Lancar ............………………… ….….... 1 5 Non Performing Financings (NPFs)
Gambar 17.
Laba dan Rugi Tahun Berjalan ............................………………………… 1 6 Current Year Profits and Losses
Gambar 18. Rasio Keuangan ROA dan ROE............................………………………… 16 ROA and ROE Financial Ratio Gambar 19.
Layanan Syariah……………..............................…………………………… 1 7 Office Channeling
Tabel
Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)..... 1 8 Transaction of Islamic Interbank Money Market (PUAS)
9.
Gambar 20. Volume Transaksi PUAS……………………………………………………….. 1 9 Volume of PUAS Transaction Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)……………………………. 1 9 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel
10. Pangsa Perbankan Syariah Terhadap Total Bank .................................... 2 0 Islamic Banks’s Share to All Banks
Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank..................................... 2 0 Islamic Banks’s Share to All Banks Tabel
11. Kegiatan Usaha BPR Syariah ................................................................. 2 1 Islamic Rural Banks Operations
Tabel
12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah) .................................. 2 2 Islamic Rural Banks Based on Total Assets (Million IDRs)
Tabel
13. Jumlah Rekening and Persentase Pembiayaan Non Lancar BPRS ............ 22 Number of Account and Percentage of Non Performing Financing Rural Islamis Banks
Tabel
14. Pangsa BPR Syariah Terhadap Total BPR .................. ............................. 2 2 Islamic Rural Bank’s Share to All Rural Banks
iii
Tabel
1. Jaringan Kantor Net working
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
Jun-06 KP/UUS KPO/KC KCP HO/IBU HOO/BO SBO
Sep-06 UPS KK KP/UUS KPO/KC KCP SSU CO HO/IBU HOO/BO SBO
Dec-06 UPS KK KP/UUS KPO/KC KCP SSU CO HO/IBU HOO/BO SBO
UPS KK SSU CO
3
102
56
16
135
3
112
57
18
149
3
112
57
21
156
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
1 1 1
51 57 4
10 43 4
10 11 0
80 76 0
19
88
55
0
3
19
92
59
0
3
20
97
59
0
6
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
1 1 1 1 1 1 1
1 19 5 27 7 5 1
0 21 0 16 3 1 3
0 0 0 0 0 0 0
0 0 0 0 0 0 0
1 1 1 1 1 1 1
1 22 5 27 7 5 1
0 25 0 16 3 1 3
0 0 0 0 0 0 0
0 0 0 0 0 0 0
1 1 1 1 1 1 1
1 23 5 27 7 5 1
0 25 0 16 3 1 3
0 0 0 0 0 0 0
0 0 0 0 0 0 0
8. HSBC, Ltd. 9. PT Bank DKI 10. BPD Riau 11. BPD Kalsel 12. PT Bank Niaga 13. BPD Sumatera Utara
1 1 1 1 1 1
0 1 2 2 2 2
1 0 0 0 5 0
0 0 0 0 0 0
0 3 0 0 0 0
1 1 1 1 1 1
0 1 2 2 2 2
1 0 0 0 5 0
0 0 0 0 0 0
0 3 0 0 0 0
1 1 1 1 1 1
0 1 2 2 2 2
1 0 0 0 5 0
0 0 0 0 0 0
0 4 0 0 0 0
14. BPD Aceh 15. Bank Permata 16. Bank Tabungan Negara 17. BPD Nusa Tenggara Barat 18. BPD Kalimantan Barat 19. BPD Sumatera Selatan 20. BPD Kalimantan Timur
1 1 1 1 1 1
1 3 7 1 1 1
0 5 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
1 1 1 1 1 1
1 4 7 1 1 1
0 5 0 0 0 0
0 0 0 0 0 0
0 0 0 0 0 0
1 1 1 1 1 1 1
1 5 9 1 1 1 1
0 5 0 0 0 0 0
0 0 0 0 0 0 0
2 0 0 0 0 0 0
96
0
0
0
0
105
0
0
0
0
105
0
0
0
0
118
190
111
16
138
127
204
116
18
152
128
209
116
21
162
21. BPD DIY 22. BPD Sulawesi Selatan Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL
Feb-07 KP/UUS KPO/KC KCP HO/IBU HOO/BO SBO
Mar-07 UPS KK KP/UUS KPO/KC KCP SSU CO HO/IBU HOO/BO SBO
Kelompok Bank Group of Banks Bank Umum Syariah 3 112 57 21 Islamic Commercial Banks 1 51 10 10 1. PT Bank Muamalat Indonesia*) 2. PT Bank Syariah Mandiri*) 1 57 43 11 1 4 4 0 3. PT Bank Syariah Mega Indonesia Unit Usaha Syariah 21 99 60 0 Islamic Banking Unit 1. PT Bank IFI 1 1 0 0 1 24 25 0 2. PT Bank Negara Indonesia 1 5 1 0 3. PT Bank Jabar 4. PT Bank Rakyat Indonesia 1 27 16 0 5. PT Bank Danamon 1 7 3 0 1 5 1 0 6. PT Bank Bukopin 1 1 3 0 7. PT Bank Internasional Indonesia 8. HSBC, Ltd. 1 0 1 0 1 1 0 0 9. PT Bank DKI 1 2 0 0 10. BPD Riau 1 2 0 0 11. BPD Kalsel 12. PT Bank Niaga 1 2 5 0 1 2 0 0 13. BPD Sumatera Utara 1 1 0 0 14. BPD Aceh 1 5 5 0 15. Bank Permata 16. Bank Tabungan Negara 1 9 0 0 1 1 0 0 17. BPD Nusa Tenggara Barat 1 1 0 0 18. BPD Kalimantan Barat 19. BPD Sumatera Selatan 1 1 0 0 20. BPD Kalimantan Timur 1 1 0 0 1 1 0 0 21. BPD DIY 22. BPD Sulawesi Selatan Bank Perkreditan Rakyat Syariah 105 0 0 0 Islamic Rural Banks 129 211 117 21 TOTAL *) 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)
Apr-07 UPS KK KP/UUS KPO/KC KCP SSU CO HO/IBU HOO/BO SBO
UPS KK SSU CO
171
3
112
57
21
172
3
112
59
21
173
80 91 0
1 1 1
51 57 4
10 43 4
10 11 0
80 92 0
1 1 1
51 57 4
10 43 6
10 11 0
80 93 0
7
21
99
60
0
7
22
100
57
0
7
0 0 0 0 0 0 0 0 5 0 0 0 0 2 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 1
1 24 5 27 7 5 1 0 1 2 2 2 2 1 5 9 1 1 1 1 1
0 25 1 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 0 0 5 0 0 0 0 2 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 1 1
1 24 5 27 7 5 1 0 1 2 2 2 2 1 5 9 1 1 1 1 1 1
0 25 1 16 3 1 0 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 0 0 0 0 5 0 0 0 0 2 0 0 0 0 0 0 0 0
0
105
0
0
0
0
105
0
0
0
0
178
129
211
117
21
179
130
212
116
21
180
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 -
-
1
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
2. Aset (Juta Rupiah)
Assets (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) 7. Aktiva tetap dan investaris Fixed assets and inventory 8. Rupa-rupa aktiva Other assets J U M L A H TOTAL ASSETS
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
255,162
296,707
346,114
419,954
370,870
373,344
2,236,101
2,234,167
3,640,734
4,374,187
4,804,784
4,476,559
832,120
901,533
991,377
1,151,650
1,227,930
1,049,047
18,162,126
19,662,542
20,444,907
20,462,749
20,820,064
21,353,493
5,660
5,660
5,660
5,660
40,660
40,660
(428,454)
(507,931)
(514,724)
(576,552)
(617,879)
(695,807)
254,131
260,844
270,397
267,851
266,578
264,131
1,383,974
1,455,442
1,495,482
1,567,240
1,512,513
1,497,002
22,700,820
24,313,155
26,722,030
27,689,736
28,447,352
28,367,648
*) 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)
2
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
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
2,657,588
2,747,786
3,415,747
3,553,997
3,615,077
2,533,241
4,971,785
5,604,591
6,430,355
6,550,882
6,740,443
6,707,827
8,803,355
9,623,131
10,826,079
10,949,402
11,527,413
12,766,540
32,366
32,346
32,319
32,311
32,305
32,297
1,186,126
1,125,800
873,991
1,194,619
1,230,576
1,163,883
190,439
185,387
180,625
182,175
177,142
177,006
272,383
278,014
284,938
289,956
289,071
311,928
21,414
19,425
25,126
26,276
26,988
33,039
2,666,960
2,652,489
2,365,712
2,401,820
2,330,968
2,208,346
396,018
411,424
460,790
626,645
560,671
579,164
951,224
951,224
991,224
991,224
991,224
991,224
951,224
951,224
991,224
991,224
991,224
991,224
268,043
268,040
268,040
252,553
252,553
252,553
140,621
236,889
382,503
478,493
508,703
458,937
(24,513)
(24,548)
27,456
365,261
349,976
264,622
78,150
78,115
78,115
375,157
353,065
267,644
(102,663)
(102,663)
(50,659)
165,134
261,437
355,047
113,232
158,727
194,315
386,212
618,394
814,598
217,933
323,690
424,859
(221,078)
(356,957)
(459,551)
(104,701)
(164,963)
(230,544)
22,700,820
24,313,155
26,722,030
(9,896)
27,689,736
(3,089)
28,447,352
(3,022)
28,367,648
3
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
4. Laba / Rugi (Juta Rupiah)
Income Statement (Miliion IDRs) KETERANGAN
Jun-06
I. Pendapatan Operasional 1,534,646 Operations Income A. Pendapatan dari Penyaluran Dana 1,406,267 Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 1,317,741 From Third Party Non Banks 2. Bank Indonesia 38,766 From Bank Indonesia 3. Bank-bank lain 49,760 From Other Banks B. Pendapatan Operasional Lainnya 128,379 Other Operations Income 1. Jasa Investasi Terikat 4,754 Restricted Investment Services 2. Jasa layanan 26,944 Fee Based Income 3. Pendapatan dari transaksi valuta asing 714 Income from Foreign Exchange Transaction 4. Koreksi PPAP 25,909 Provision for Losses Correction 5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 51 Correction of Provision for Losses Administrative Statement Transaction 6. Lainnya 70,007 Others II. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (604,497) Profit Sharing for Unrestricted Investment 1. Pihak ketiga bukan bank 588,722 From Third Party Non Banks 2. Bank Indonesia 0 From Bank Indonesia 3. Bank-bank lain 15,775 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 727,268 Operations Expenses A. Beban Bonus titipan wadiah 22,331 Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing 58 Foreign Exchange Transaction Expense C. Biaya Perbaikan Aktiva Ijarah 0 Ijarah Assets Recovery Cost D. Premi 16,592 Premium E. Tenaga kerja 182,601 Labour F. Pendidikan dan pelatihan 7,351 Education and Training G. Penelitian dan pengembangan 513 Research and Development H. Sewa 46,906 Leasing I. Promosi 39,586 Promotion J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 1,539 Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 12,662 Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 266,597 Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 0 Decrease in Value of Securities N. Lainnya 130,532 Others Laba Operasional 202,881 Operation Profit Pendapatan Non Operasional 358,896 Non Operations Income Beban Non Operasional 386,182 Non Operations Expenses Laba Non Operasional (27,286) Non Operations Profit Laba Tahun Berjalan 175,595 Current Profit/Loss Laba (setelah taksiran pajak penghasilan) 165,027 Profit After Calculations of Income Tax
Sep-06
Dec-06
2,383,985
3,372,807
Feb-07 626,601
Mar-07 956,497
Apr-07 1,419,647
2,169,240
3,084,714
575,969
876,903
1,312,545
2,062,666
2,941,373
535,100
813,126
1,223,282
51,349
71,307
28,821
45,244
63,687
55,225
72,034
12,048
18,533
25,576
214,745
288,093
50,632
79,594
107,102
7,952
10,798
2,206
3,386
4,661
47,041
69,573
16,207
22,411
28,222
1,331
3,404
587
1,182
1,564
34,728
44,951
7,117
12,775
16,264
59
3,126
44
18
78
123,634
156,241
24,471
39,822
56,313
(950,876)
(1,305,700)
(231,831)
(350,382)
(473,792)
918,042
1,269,765
227,021
343,057
464,184
0
0
0
0
0
32,834
35,935
4,810
7,325
9,608
1,446,314
1,446,314
1,446,314
1,446,314
1,446,314
1,114,123
1,586,836
268,470
431,846
734,039
37,430
58,488
11,448
16,682
20,921
44
46
0
1
2
0
0
0
0
0
25,948
36,967
6,989
11,224
15,460
286,036
438,628
74,349
117,290
159,319
13,887
19,248
1,802
3,308
5,571
741
985
159
269
309
70,015
102,165
16,870
25,469
34,332
62,662
89,856
15,568
24,008
34,402
2,231
3,104
388
576
777
20,718
31,087
5,127
7,759
10,823
389,069
542,876
95,755
159,654
366,189
83
379
24
36
48
205,259
263,007
39,991
65,570
85,886
318,986
480,271
126,300
174,269
211,816
587,009
837,765
189,775
275,100
370,372
629,801
903,986
188,462
274,095
370,542
(66,221)
1,313
1,005
(170)
276,194
414,050
127,613
175,274
211,646
261,437
355,047
113,232
158,727
194,315
(42,792)
4
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 1. Perkembangan Aset Growth of Assets
30.00
Triliun Rupiah (Trillion IDRs)
6%
Aset (Assets)
28.00
Perkembangan Aset (Assets Growth)
26.00
5%
4.84%
24.00 22.00
4%
3.85%
20.00
3.65%
3.13%
18.00 16.00
3.12% 2.74%
3.06%
2.75%
3%
2.65%
14.00 2%
12.00
1.73%
10.00 8.00
1%
0.71%
0.85%
6.00 0%
4.00 2.00
-0.28 %
0.00
-1%
Apr-06 May-06 Jun-06
Jul-06 Aug-06 Sep-06 Oct-06 Nov-06
Dec-06
Jan-07
Feb-07 Mar-07 Apr-07
Nov-06 Dec-06
Jan-07
Feb-07
Gambar 2. Sumber Dana
Source of Fund
24.00 22.00 20.00
Triliun Rupiah (Trillion IDRs) Pembiayaan yang diterima (Received financing) Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Giro Wadiah (Wadiah-cur. acc.)
18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06
Oct-06
Mar-07
Apr-07
5
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
5. Komposisi Dana Pihak Ketiga (Juta Rupiah) Composition of Deposits (Million IDRs)
DANA PIHAK KETIGA
Sep-06
DEPOSIT FUND Giro Wadiah
Nilai (Amount)
Wadiah currency account Tabungan Mudharabah Mudharabah saving account
2,747,786
Dec-06 3,415,747
Jan-07 3,277,229
Feb-07 3,553,997
Mar-07 3,615,077
Apr-07 2,533,241
Pangsa (Share)
15.29%
16.52%
15.98%
16.88%
16.52%
11.51%
Nilai (Amount)
5,604,591
6,430,355
6,574,048
6,550,882
6,740,443
6,707,827
Pangsa (Share)
31.18%
31.11%
32.05%
31.11%
30.80%
30.48%
Deposito Mudharabah
Nilai (Amount)
9,623,131
10,826,079
10,663,216
10,949,402
11,527,413
12,766,540
Mudharabah investment account
Pangsa (Share)
53.53%
52.37%
51.98%
52.01%
52.68%
58.01%
17,975,508
20,672,181
21,882,933
22,007,608
Total
20,514,493
21,054,281
Gambar 3. Jumlah Rekening Dana Pihak Ketiga Number of Account Deposit s
2,500,000 Giro wadiah (Wadiah Curr. Acc) Deposito Mudharabah (Mudharabah Inv. Acc.) Tabungan Mudharabah (Mudharabah Sav. Acc.)
2,000,000
1,500,000
1,000,000
500,000
0
Apr-06 May-06 Jun-06
Jul-06
Giro wadiah (Wadiah Curr. Acc)
29,201
30,734
35,019
33,466
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 31,609
32,758 33,477
35,970
34,499 35,399
36,032 35,994
36,819
Deposito Mudharabah (Mudharabah Inv. Acc.)
63,173
65,295
65,546
65,598
74,006
70,691
72,214
74,078
78,483 80,453
82,190
71,679
76,214
Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,297,978 1,410,813 1,481,9901,523,8911,589,8401,667,982 1,727,7311,855,8611,883,8751,946,9411,985,279 2,064,45 2,118,901
6
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 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 Giro wadiah (Wadiah Curr. Acc)
1.08
1.10
1.08
1.12
1.11
1.16
1.13
1.12
1.27
1.12
0.97
1.07
0.98
Deposito Mudharabah (Mudharabah Inv. Acc.)
8.31
8.58
8.52
8.34
10.01
8.89
8.52
8.74
9.41
8.59
8.63
8.19
7.92
Tabungan Mudharabah (Mudharabah Sav. Acc.)
3.87
4.12
3.50
3.85
5.62
4.11
3.66
3.32
3.72
3.32
3.54
3.48
3.46
Gambar 5. Komposisi Deposito Mudarabah Composition of Mudharabah Investment Account
diatas 12 bulan (ab. 12 Months)
0.02%
20.88%
12 bulan (Months)
6 bulan (Months)
10.69%
16.07%
3 bulan (Months)
55.71%
1 Bulan (Month)
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
7
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 Apr-06 May-06 Jun-06
Tabel
Jul-06
Aug-06 Sep-06
Oct-06 Nov-06
Dec-06 Jan-07
Feb-07
Mar-07
Apr-07
6. Komposisi Pembiayaan (Juta Rupiah) Composition of Financing (Million IDRs)
RINCIAN PEMBIAYAAN YANG DIBERIKAN ITEMS OF FINANCING Pembiayaan Musyarakah
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
Nilai (Amount)
2,099,122
2,336,017
2,334,751
2,315,049
2,367,837
2,737,035
Musharakah Financing Pangsa (Share)
11.56%
11.88%
11.42%
11.31%
11.37%
12.82%
Nilai (Amount)
3,560,848
3,842,979
4,062,200
4,000,939
4,132,872
4,323,222
Mudharabah Financing Pangsa (Share)
19.61%
19.54%
19.87%
19.55%
19.85%
20.25%
Pembiayaan Mudharabah
Piutang Murabahah
Nilai (Amount) Murabahah Receivable
Piutang Salam Salam Receivable Piutang Istishna' Istishna' Receivable Lainnya Others Total
11,778,333 12,449,101
Pangsa (Share)
64.85%
Nilai (Amount)
-
Pangsa (Share)
63.31%
12,624,241 12,645,295 12,769,755 12,992,588 61.75%
61.80%
61.33%
60.85%
-
-
-
-
-
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Nilai (Amount)
293,359
303,440
336,970
324,429
342,585
341,691
Pangsa (Share)
1.62%
1.54%
1.65%
1.59%
1.65%
1.60%
Nilai (Amount)
430,464
731,005
1,086,745
1,177,037
1,207,015
958,957
Pangsa (Share)
2.37%
3.72%
5.32%
5.75%
5.80%
4.49%
18,162,126 19,662,542 20,444,907 20,462,749 20,820,064 21,353,493
8
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel 7 . Pembiayaan Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing based on Economic Sector (Million IDRs) SEKTOR EKONOMI
Jun-06
ECONOMIC SECTOR
Sep-06
Dec-06
Feb-07
Mar-07
Pertanian, kehutanan dan sarana pertanian
Nilai (Amount)
678,476
735,353
701,044
643,118
Agriculture, forestry and agricultural facilities
Pangsa (Share)
3.74%
3.74%
3.43%
3.14%
Pertambangan
Nilai (Amount)
792,843
724,125
374,581
305,497
Mining Perindustrian Manufacturing Listrik, gas dan air Water, gas and electricity Konstruksi Constuction Perdagangan, restoran dan hotel Trade, restaurants and hotels
Pangsa (Share)
4.37%
3.68%
1.83%
1.49%
Nilai (Amount)
1,017,145
1,043,957
939,713
926,546
5.31%
4.60%
4.53%
4.62%
90,815
17,158
7,109
5,644
6,134
Pangsa (Share)
0.50%
0.46%
0.08%
0.03%
0.03%
0.03%
Nilai (Amount)
1,745,624
1,917,401
1,637,027
1,544,399
Pangsa (Share)
9.61%
9.75%
8.01%
7.55%
Nilai (Amount)
2,229,781
2,551,781
3,041,050
3,189,749
12.98%
14.87%
15.59%
1,331,252
1,165,429
1,186,631
Transport, cargo storage and commnucation
Pangsa (Share)
7.40%
6.77%
5.70%
5.80%
Jasa dunia usaha
Nilai (Amount)
5,247,693
5,074,300
5,457,711
5,324,738
Others
1.31% 974,300
5.60%
12.28%
Social Services
1.39% 962,276
3.00% 280,384
91,478
1,343,318
Lain-lain
288,760
640,724
Nilai (Amount)
Pangsa (Share)
Business Services
3.03%
Pangsa (Share)
Pengangkutan, pergudangan dan komunikasi Nilai (Amount)
Jasa sosial/masyarakat
631,485
Apr-07
Pangsa (Share)
28.89%
25.81%
26.69%
26.02%
Nilai (Amount)
1,367,877
1,402,699
1,456,391
1,387,298
Pangsa (Share)
7.53%
7.13%
7.12%
6.78%
Nilai (Amount)
3,647,891
4,790,859
5,654,803
5,947,664
Pangsa (Share)
20.09%
Total
18,162,126
24.37% 19,662,542
1,552,117 7.45% 3,915,476 18.81% 1,229,543 5.91% 5,394,551 25.91% 1,389,760 6.68% 5,450,452
4.56%
1,642,498 7.69% 3,935,988 18.43% 1,273,060 5.96% 5,694,987 26.67% 1,587,323 7.43% 5,318,095
27.66%
29.07%
26.18%
24.91%
20,444,907
20,462,749
20,820,064
21,353,493
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
9.65 9.19
8.00
11.38
10.45
10.41
10.25
9.99
9.62
11.04
10.82
10.66 10.33
8.65
5.96
6.00
5.67 4.88
4.52
4.89
4.88 4.46 5.17 4.80 4.53
4.64
4.00
3.98 3.42
3.53
5.46
5.17
4.17
5.33
4.39 5.34 4.37
4.64 4.23
4.26
4.32
3.66
2.00
0.00 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06
Oct-06 Nov-06 Dec-06
Jan-07
Feb-07 Mar-07 Apr-07
9
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan Financing based o n Type of Financing
Triliun Rp (Trillion IDRs) 18.00 UKM (Small and Medium Business) Non UKM (Small and Medium Business)
16.00
15.33 14.58
14.59 13.74
14.00 12.61
12.00
14.87
14.43
15.49 14.91
12.94
11.56
12.22
11.31
10.00 8.00 6.00
5.95
5.91
6.09
5.66
5.28
5.80
5.92
5.81
5.57
5.64
5.86
5.49
5.55
4.00 2.00 0.00 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06
Jan-07
Feb-07 Mar-07
Apr-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
Jun-06
Jul-06
Aug-06
Sep-06
Pembiayaan (Financing)
19,196
18,129
15,162
15,583
16,188
16,712
Piutang (Receivable)
161,143
174,559
194,745
146
156
153
Lain-lain (Others)
Apr-06 May-06
Oct-06 Nov-06 17,181
17,549
Dec-06
Jan-07
17,991
18,120
Feb-07 Mar-07 18,502
19,204
215,758 237,728 263,233 524,913 557,281 353,673 372,616 386,931 399,617 151
222
317
399
412
445
486
516
541
Apr-07 19,961 405,649 563
10
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 10. Persentase B agi Hasil/Fee/Margin Pembiayaan Percentage o f Profit Sharing/Fee/Margin of Financing
18 16 14 12
(%)
10 8
Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others)
6 4 2 0 -2
Apr06
MayAugJun-06 Jul-06 06 06
Sep06
Oct06
Nov06
DecFebJan-07 06 07
Mar07
Apr07
Pembiayaan (Financing) 11.34 11.71 12.27 12.41 12.26 12.10 12.39 12.11 12.46 12.62 12.58 14.69 14.07 Piutang (Receivable)
12.75 12.74 12.53 12.39 12.35 12.27 12.31 12.23 12.24 14.60 14.25 15.61 15.53
Lain-lain (Others)
0.52
0.59
0.45
0.50
14.56
0.49
0.58
0.55
0.66
2.35
0.62
0.62
0.56
11
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%
17%
17%
4%
51% 79%
0%
31%
Feb-2007
Feb-2007
18%
1%
16%
5% 52% 31%
77%
Mar-2007
0%
Mar-2007
1%
17%
11%
4%
30%
58% 79%
Apr-2007
Apr-2007
12
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 12. Rincian Beberapa Surat Berharga (Securities)
3.50
3.00
Triliun Rp (Trilion IDRs) SWBI Sertifikat IMA (IMA Certificate) Obligasi Syariah (Sharia Obligations) Surat Berharga yang dimiliki (Securities)
2.50
2.00
1.50
1.00
0.50
0.00 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07
Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga Percentage of Bonus/Profit Sharing Securities 35.00 30.00 25.00
(%)
20.00 15.00 10.00 5.00 0.00 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07
Persentase Bonus SWBI (% bonus SWBI-Av.)
0.85
0.15
0.63
2.34
0.46
1.41
1.06
2.73
1.99
2.72
1.35
1.23
1.04
Persentase Bagi Hasil Sertifikat IMA (% profit sharing IMA Certificate-Av))
4.26
18.08
17.12
20.84
26.44
28.86
15.81
18.35
6.24
7.45
26.06
3.63
5.73
Persentase Bagi Hasil Obligasi Syariah (% profit sharing sharia obligation-Av)
8.73
7.95
6.77
6.72
7.89
8.70
6.92
6.79
8.04
8.43
8.81
9.05
9.10
Persentase Bagi Hasil Surat Berharga yang dimiliki (% profit sharing securities-Av)
11.98
11.81
11.33
11.79
11.70
11.80
12.49
12.52
12.46
13.50
13.36
13.88
13.59
13
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 14. Sumber Dana, Pembiayaan, dan FDR Source of Fund, Financing, and FDR
22.00 20.00
Triliun Rupiah (Trillion IDRs)
150%
Pembiayaan yang diberikan (Fin. extended) Dana Pihak Ketiga (Deposit Fund)
18.00
FDR (Financing to Deposit Ratio)
16.00 14.00 12.00 100% 10.00
97.03%
8.00 6.00 4.00 2.00 0.00
50% Apr-06 May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07 Apr-07
Gambar 15. Pembiayaan dan PPAP
Financing and Provision for Losses (PPAP)
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 Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06
Nov-06 Dec-06
Jan-07 Feb-07
Mar-07 Apr-07
14
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
8. Pembiayaan Non Lancar
Non Performing Financings (NPFs)*) (Miliion IDRs)
KOLEKTIBILITAS PEMBIAYAAN
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
COLLECTIBILITY OF FINANCING Lancar
Nilai (Amount)
16,605,281
17,685,310
18,582,911
18,069,948
18,468,301
18,895,184
Current Pangsa (Share)
91.43%
89.94%
90.89%
88.31%
88.70%
88.49%
Dalam Perhatian Khusus
Nilai (Amount)
789,308
969,362
890,780
1,259,833
1,157,905
1,147,535
Special Mention Pangsa (Share)
4.35%
4.93%
4.36%
6.16%
5.56%
5.37%
Kurang Lancar
Nilai (Amount)
275,314
432,676
352,584
331,378
393,080
449,714
Sub-standard Pangsa (Share)
1.52%
2.20%
1.72%
1.62%
1.89%
2.11%
Diragukan
Nilai (Amount)
203,175
201,300
235,993
315,891
266,541
292,517
Doubtful Pangsa (Share)
1.12%
1.02%
1.15%
1.54%
1.28%
1.37%
Nilai (Amount)
289,048
373,894
382,639
485,699
534,237
568,543
Macet
Loss Pangsa (Share) Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5)
1.59%
1.90%
1.87%
2.37%
2.57%
2.66%
18,162,126
19,662,542
20,444,907
20,462,749
20,820,064
21,353,493
767,537
1,007,870
971,216
1,132,968
1,193,858
1,310,774
Percentage of NPFs
4.23%
5.13%
4.75%
5.54%
5.73%
6.14%
*) 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
7%
Total Financing Nominal NPFs (Coll. 3-5) Percentage of NPFs
26.00 24.00
6.14%
5.13%
22.00
18.00
5.17%
5.24%
5.73%
5.07%
4.71%
5%
4.75%
5.08%
20.00
6%
5.54%
4.23% 3.99%
4%
4.19%
16.00 14.00
3%
12.00 10.00
2%
8.00 6.00 4.00 2.00
0.66 0.73
0.87 0.77
0.97
1.01 1.02
1.07
0.97
1.05
1.13
1%
1.19 1.31
0.00
0% Apr-06 May-06 Jun-06
Jul-06
Aug-06 Sep-06 Oct-06 Nov-06
Dec-06
Jan-07
Feb-07 Mar-07 Apr-07
15
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses
-230.54
Apr-07
424.86 323.69
-164.96
Mar-07
-104.70
Feb-07
217.93
Jan-07
118.00
-44.49
Dec-06
814.60
-459.55 -453.33
Nov-06
773.84
-413.58
Oct-06
693.39
-356.96
Sep-06
618.39
-313.96
Aug-06
537.74
-269.00
Jul-06
470.73
-221.08
Jun-06
386.21 315.86
-176.42
May-06 -143.47
Apr-06
248.49
Laba tahun berjalan (Current year profit) Rugi tahun berjalan (Current year losses)
-650 -590 -530 -470 -410 -350 -290 -230 -170 -110 -50 10 70 130 190 250 310 370 430 490 550 610 670 730 790 850 Milyar Rupiah (Billion IDRs)
Gambar 17. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio
10%
50%
ROA
9%
ROE
45.59%
45%
44.47% 41.81%
8%
40%
41.18%
7%
36.94%
35%
33.82% 6%
31.46%
5%
31.49%
31.29%
30%
31.56%
30.03%
29.18% 28.09%
25%
4%
20%
3%
15%
2%
1%
10% 1.41%
1.43%
1.51%
1.47%
1.38%
1.41%
1.38%
1.44%
1.55%
1.69%
1.68%
1.75% 5% 0.64%
0%
0%
Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07
16
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 18. Layanan Syariah
Office Channeling
Juta Rp (Milion IDRs)
800
400,000
Jumlah Kantor (Number of Offices)
jumlah kantor (number of offices)
700
Dana Pihak Ketiga (Deposits)
350,000
600
300,000
500
250,000
400
200,000
300
150,000
200
100,000
100
50,000
0
0 Apr- May- Jun- Jul- Aug- Sep- Oct- Nov- Dec- Jan- Feb- Mar- Apr06 06 06 06 06 06 06 06 06 07 07 07 07
17
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 April 2-Apr-07 3-Apr-07 4-Apr-07 5-Apr-07
15,000 20,000 25,300 20,000 7,000 500 1,000 25,000 5,000
9-Apr-07
10-Apr-07 11-Apr-07 12-Apr-07
30,000 20,000 2,500 3,000 25,000 34,000 10,000 2,000 5,000 1,000 35,000 4,000 1,000 10,000 25,000 25,000
13-Apr-07 16-Apr-07 17-Apr-07 18-Apr-07 19-Apr-07 20-Apr-07 23-Apr-07
24-Apr-07 25-Apr-07 26-Apr-07 27-Apr-07 30-Apr-07
3,000 1,500 10,000 10,000
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)
9.0900 12.0700 14.6600 9.0900 18.7230 14.6600 12.0800 10.5300 10.5300 10.5300 10.5300 10.5300 12.0800 10.5300 18.7230 18.7230 12.0800 12.0800 14.6600 10.5300 12.0800 14.6600 12.0800 10.5300 12.0800 18.7230 10.5300 18.7230 18.7230
80.00 41.43 55.00 80.00 31.00 55.00 45.53 80.00 80.00 80.00 80.00 76.00 45.53 80.00 69.00 37.00 51.74 53.81 55.00 80.00 55.88 55.00 41.39 80.00 41.39 33.00 57.00 32.00 35.00
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 14 1 7 1 1 2 7 7 7 14 3 7 7 1 1 1 1 1 14 7 1 14 14 7 1 1 1 1
7.2720 5.0006 7.7138 7.7138 7.7839 7.7839 7.7839 7.7839 8.4240 8.4240 8.4240 6.6377 6.6377 8.4240 11.5572 11.5572 6.4288 6.4288 8.4140 8.4140 7.0128 7.0128 6.4266 6.4266 6.4266 6.1786 6.0021 6.2722 6.2722
18
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 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 Volume of PUAS Transaction 1016.5 1487.7 1556.9 1084.8 1506.5 2288.9 700.8
689.8
761.6 764.45
728.5
680.8
375.8
Gambar 20. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)
Outstanding of Bank Indonesia Wadiah Certificate (SWBI)
3,500
14.00%
Outstanding
SWBI/Aset
3,000
12.00%
2,500
10.00%
2,000
8.00%
1,500
6.00%
1,000
4.00%
500
2.00%
-
Apr-06 May-06
Jun-06
Jul-06
Aug-06 Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
3001.5 3325.45 3165.55
Outstanding
1,171
1,092
1,188
871.5
1,117
1,046
1,190
1,547
2,357
2,663
SWBI/Aset
5.55%
4.98%
5.23%
3.81%
4.74%
4.30%
4.75%
6.07%
8.82%
9.88% 10.84% 11.69% 11.16%
0.00%
19
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Maret 2007) Islamic Banks’s Share to All Banks (position March 2007)
Islamic Banks Nominal
Total Banks
Share
Total Assets
28.43
1.67%
1704.63
Deposit Fund
21.88
1.69%
1291.38
Credit/Financing extended
20.82
2.60%
800.37
FDR/LDR*) NPFS /NPL S*)
95.14%
61.98%
5.73%
6.04%
*) FDR = Financing extended/Deposit Fund LDR = Credit extended/Deposit Fund
Gambar 21. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Maret 2007) Islamic Banks’s Share to All Banks (position March 2007)
3.00%
2.50%
2.00%
1.50%
1.00%
Total Assets Deposit Fund Financing extended
0.50%
0.00%
Jul-06
Aug-06 Sep-06
Oct-06
Nov-06 Dec-06
Jan-07
Feb-07 Mar-07
Total Assets
Mar-06 Apr-06 May-06 Jun-06 1.40%
1.44%
1.45%
1.49%
1.51%
1.52%
1.54%
1.56%
1.56%
1.58%
1.59%
1.63% 1.67%
Deposit Fund
1.33%
1.36%
1.36%
1.41%
1.42%
1.44%
1.49%
1.53%
1.55%
1.61%
1.60%
1.64% 1.69%
Financing extended
2.33%
2.44%
2.46%
2.54%
2.58%
2.62%
2.63%
2.66%
2.66%
2.58%
2.61%
2.61% 2.60%
20
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
11. Kegiatan Usaha BPR Syariah (Juta Rupiah) Islamic Rural Banks Operations (Million IDRs)
INDIKATOR (Indicator)
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
Penyaluran dana
669,077
814,190
1,414,918
922,756
927,648
943,341
Fund Disbursements Pembiayaan
577,324
683,384
1,192,358
727,831
748,045
768,616
417,182
510,088
927,270
545,776
561,542
578,906
68,350
68,350
68,350
68,350
68,350
68,350
Financing Piutang Murabahah Murabahah Receivable Piutang salam Salam Receivable Piutang Istishna
2,180
1,913
4,092
1,296
1,184
1,081
Istishna Receivable Pembiayaan Mudharabah
22,932
24,706
47,638
25,495
26,366
26,691
Mudharabah Financing Pembiayaan Mudharabah
49,289
59,279
108,568
67,106
69,904
73,464
7,338
7,518
14,856
6,513
6,358
5,990
Mudharabah Financing Ijarah Ijarah Qardh
10,054
11,531
21,585
13,294
14,340
14,133
Qardh Antar Bank
91,753
130,807
222,560
194,925
179,603
174,725
Inter-Bank Sumber Dana
488,071
608,372
1,096,445
715,343
722,838
739,847
388,363
473,808
862,171
561,622
567,354
587,321
Source of Fund Dana Pihak ketiga Third Party Funds Tabungan Wadiah
51,155
64,185
115,340
77,702
80,282
83,028
Wadiah Savings Accounts Tabungan Mudharabah
126,712
146,279
272,991
170,120
170,625
179,479
Mudharabah Saving Accounts Deposito Mudharabah
210,496
263,344
473,840
313,801
316,447
324,814
Mudharabah Investment Accounts Antar Bank Pasiva
62,343
86,547
148,890
102,772
106,336
105,539
Inter- Bank Pinjaman yang diterima
30,919
40,962
71,881
44,370
42,927
41,499
6,447
7,055
13,502
6,580
6,220
5,488
128,885
145,131
274,015
155,355
155,659
157,408
Loans Received Kewajiban lainnya Other Liabilities Komponen modal Components Capital Modal disetor Paid in Capital Cadangan
19,651
19,080
38,732
18,709
20,439
20,676
Reserves L/R Tahun Berjalan
7,941
17,544
25,485
4,057
5,439
7,399
Current Earning Profit/Loss L/R Tahun lalu
(5,403)
(6,266)
(11,669)
9,219
3,564
891
940,122
945,005
959,882
Retained Earning Profit/Loss Total Aset
666,308
816,319
1,482,627
Total Assets
21
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel 12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah)
Islamic Rural Banks Based on Total Assets (Million IDRs)
Total Aset (Total Assets) < 1 Miliar
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
5
7
7
7
7
6
1 s.d. 5 Miliar
55
55
57
51
49
51
> 5 s.d. 10 Miliar
18
21
22
25
28
25
> 10 Miliar
16
19
19
22
21
23
94
102
105
105
105
Total
105
Tabel 13. Jumlah Rekening and Persentase Pembiayaan Bermasalah BPR Syariah Number of Account and Percentage of Non Performing Financing Islamic Rural Banks
Keterangan Jumlah Nasabah Pembiayaan Number of Financing Account Jumlah Nasabah Dana Pihak Ketiga
Nomber of Account Source of Fund Pembiayaan Bermasalah
Jun-06
Sep-06
Dec-06
Feb-07
Mar-07
Apr-07
57,905
69,701
74,698
75,425
85,793
77,947
252,564
278,426
314,584
314,258
301,589
303,020
9.14%
9.38%
8.29%
9.29%
8.75%
9.54%
Non Performing Financing
Tabel
14. Pangsa BPR Syariah Terhadap Total BPR (posisi Maret 2007) Islamic Rural Bank’s Share to All Rural Banks ((position March 200 7)
Total Assets Deposit Fund Credit/Financing extended NPFS/NPLS*)
Islamic Rural Banks Nominal Share 3.85% 945 3.35% 567 3.65% 680 8.75%
Total Rural Banks 24,572 16,930 18,605 9.73%
22
