Statistik Perbankan Syariah (Islamic Banking Statistics)
AGUSTUS
2007
AUGUST
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 Composition 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 Financin g
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
G ambar 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 Num ber 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
Sep-06 Kelompok Bank KP/UUS KPO/KC KCP Group of Banks HO/IBU HOO/BO SBO Bank Umum Syariah 3 112 57 Islamic Commercial Banks 1. PT Bank Muamalat Indonesia*) 1 51 10 2. PT Bank Syariah Mandiri*) 1 57 43 3. PT Bank Syariah Mega Indonesia 1 4 4 Unit Usaha Syariah 19 92 59 Islamic Banking Unit 1. PT Bank IFI 1 1 0 2. PT Bank Negara Indonesia 1 22 25 3. PT Bank Jabar 1 5 0 4. PT Bank Rakyat Indonesia 1 27 16 5. PT Bank Danamon 1 7 3 6. PT Bank Bukopin 1 5 1 7. PT Bank Internasional Indonesia 1 1 3 8. HSBC, Ltd. 1 0 1 9. PT Bank DKI 1 1 0 10. BPD Riau 1 2 0 11. BPD Kalsel 1 2 0 12. PT Bank Niaga 1 2 5 13. BPD Sumatera Utara 1 2 0 14. BPD Aceh 1 1 0 15. Bank Permata 1 4 5 16. Bank Tabungan Negara 1 7 0 17. BPD Nusa Tenggara Barat 1 1 0 18. BPD Kalimantan Barat 1 1 0 19. BPD Sumatera Selatan 1 1 0 20. BPD Kalimantan Timur 21. BPD DIY 22. BPD Sulawesi Selatan 23. BPD Sumatera Barat 24. BPD Jawa Timur Bank Perkreditan Rakyat Syariah 105 0 0 Islamic Rural Banks TOTAL 127 204 116
Dec-06 Mar-07 UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU 18
149
3
112
57
21
156
3
112
57
21
172
9 9 0
80 69 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 92 0
0
3
20
97
59
0
6
21
99
60
0
7
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
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
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
0
0
105
0
0
0
0
105
0
0
0
0
18
152
128
209
116
21
162
129
211
117
21
179
Jun-07 Kelompok Bank KP/UUS KPO/KC KCP UPS Group of Banks HO/IBU HOO/BO SBO SSU Bank Umum Syariah 3 112 60 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 7 0 Unit Usaha Syariah 23 102 57 0 Islamic Banking Unit 1. PT Bank IFI 1 1 0 0 2. PT Bank Negara Indonesia 1 24 25 0 3. PT Bank Jabar 1 5 1 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 2 0 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 Sumatera Utara 1 2 0 0 14. BPD Aceh 1 1 0 0 15. Bank Permata 1 5 5 0 16. Bank Tabungan Negara 1 9 0 0 17. BPD Nusa Tenggara Barat 1 1 0 0 18. BPD Kalimantan Barat 1 1 0 0 19. BPD Sumatera Selatan 1 1 0 0 20. BPD Kalimantan Timur 1 1 0 0 21. BPD DIY 1 1 0 0 22. BPD Sulawesi Selatan 1 1 0 0 23. BPD Sumatera Barat 1 1 0 0 24. BPD Jawa Timur Bank Perkreditan Rakyat Syariah 107 0 0 0 Islamic Rural Banks TOTAL 133 214 117 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) Tidak termasuk Layanan Syariah
KK CO
KK CO
Jul-07 Aug-07 KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO
UPS KK SSU CO
180
3
112
63
21
180
3
112
63
21
182
80 100 0
1 1 1
51 57 4
10 46 7
10 11 0
80 100 0
1 1 1
51 57 4
10 46 7
10 11 0
80 102 0
8
24
105
57
0
8
24
105
53
0
8
0 0 0 0 0 0 0 0 5 1 0 0 0 2 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 1 1 1 1
1 24 5 27 7 5 2 0 1 2 2 2 2 1 5 11 1 1 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 0 0 0 0 5 1 0 0 0 2 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 1 1 1 1
1 24 5 27 7 5 2 0 1 2 2 2 2 1 5 11 1 1 1 1 1 1 1 1
0 25 1 16 3 1 0 1 0 0 0 5 0 0 1 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 0 0 0 0 5 1 0 0 0 2 0 0 0 0 0 0 0 0 0 0
0
107
0
0
0
0
108
0
0
0
0
188
134
217
120
21
188
135
217
116
21
190
Note: HO = Head Office IBU = Islamic Banking Unit HOO = Head Operational Office BO = Branch Office SBO = Sub Branch Office SSU = Syari’a Services Unit CO = Cash Office Not Include Office Channeling -
-
-
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
Sep-06
Dec-06
Mar-07
Jun-07
Jul-07
Aug-07
296,707
346,114
370,870
377,200
487,365
367,890
2,234,167
3,640,734
4,804,784
3,461,996
3,042,103
2,420,532
901,533
991,377
1,227,930
1,127,480
1,110,417
1,121,823
19,662,542
20,444,907
20,820,064
22,969,103
23,687,318
24,637,850
5,660
5,660
40,660
40,660
40,660
40,660
(507,931)
(514,724)
(617,879)
(766,387)
(805,964)
(869,517)
260,844
270,397
266,578
274,288
275,229
274,599
1,455,442
1,495,482
1,512,513
1,691,891
2,034,409
2,120,121
24,313,155
26,722,030
28,447,352
29,208,812
29,899,604
30,144,504
*) 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
Sep-06
Dec-06
Mar-07
Jun-07
Jul-07
Aug-07
2,747,786
3,415,747
3,615,077
3,187,509
3,327,940
3,366,363
5,604,591
6,430,355
6,740,443
7,187,821
7,524,694
7,693,895
9,623,131
10,826,079
11,527,413
12,338,926
12,379,147
12,248,321
32,346
32,319
32,305
32,279
32,266
32,263
1,125,800
873,991
1,230,576
1,395,482
1,483,281
1,360,353
185,387
180,625
177,142
167,772
167,545
167,128
278,014
284,938
289,071
372,611
366,276
400,090
19,425
25,126
26,988
35,244
35,720
31,498
2,652,489
2,365,712
2,330,968
2,085,715
2,129,846
2,345,177
411,424
460,790
560,671
513,712
512,258
518,794
951,224
991,224
991,224
1,001,224
1,001,224
1,001,224
951,224
991,224
991,224
1,001,224
1,001,224
1,001,224
268,040
268,040
252,553
275,310
275,308
275,308
236,889
382,503
508,703
450,360
503,534
541,046
(24,548)
27,456
349,976
148,965
148,962
148,963
78,115
78,115
353,065
151,987
151,984
151,985
(102,663)
(50,659)
261,437
355,047
158,727
301,395
354,572
392,083
618,394
814,598
323,690
633,493
749,718
856,897
(356,957)
(459,551)
(164,963)
(332,098)
(395,146)
(464,814)
24,313,155
26,722,030
(3,089)
28,447,352
(3,022)
29,208,812
(3,022)
29,899,604
(3,022)
30,144,504
3
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
4. Laba / Rugi (Juta Rupiah)
Income Statement (Miliion IDRs) KETERANGAN
Sep-06
I. Pendapatan Operasional 2,383,985 Operations Income A. Pendapatan dari Penyaluran Dana 2,169,240 Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 2,062,666 From Third Party Non Banks 2. Bank Indonesia 51,349 From Bank Indonesia 3. Bank-bank lain 55,225 From Other Banks B. Pendapatan Operasional Lainnya 214,745 Other Operations Income 1. Jasa Investasi Terikat 7,952 Restricted Investment Services 2. Jasa layanan 47,041 Fee Based Income 3. Pendapatan dari transaksi valuta asing 1,331 Income from Foreign Exchange Transaction 4. Koreksi PPAP 34,728 Provision for Losses Correction 5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 59 Correction of Provision for Losses Administrative Statement Transaction 6. Lainnya 123,634 Others II. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (950,876) Profit Sharing for Unrestricted Investment 1. Pihak ketiga bukan bank 918,042 From Third Party Non Banks 2. Bank Indonesia 0 From Bank Indonesia 3. Bank-bank lain 32,834 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 1,114,123 Operations Expenses A. Beban Bonus titipan wadiah 37,430 Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing 44 Foreign Exchange Transaction Expense C. Biaya Perbaikan Aktiva Ijarah 0 Ijarah Assets Recovery Cost D. Premi 25,948 Premium E. Tenaga kerja 286,036 Labour F. Pendidikan dan pelatihan 13,887 Education and Training G. Penelitian dan pengembangan 741 Research and Development H. Sewa 70,015 Leasing I. Promosi 62,662 Promotion J . Pajak-Pajak (Tidak termasuk pajak penghasilan) 2,231 Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 20,718 Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 389,069 Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 83 Decrease in Value of Securities N. Lainnya 205,259 Others Laba Operasional 318,986 Operation Profit Pendapatan Non Operasional 587,009 Non Operations Income Beban Non Operasional 629,801 Non Operations Expenses Laba Non Operasional (42,792) Non Operations Profit Laba Tahun Berjalan 276,194 Current Profit/Loss Laba (setelah taksiran pajak penghasilan) 261,437 Profit After Calculations of Income Tax
Dec-07
Jun-07
Jul-07
3,372,807
Mar-07 956,497
2,172,120
2,517,981
Aug-07 2,645,117
3,084,714
876,903
1,998,347
2,309,161
2,402,711
2,941,373
813,126
1,868,176
2,162,714
2,240,696
71,307
45,244
89,596
99,369
107,278
72,034
18,533
40,575
47,078
54,737
288,093
79,594
173,773
208,820
242,406
10,798
3,386
9,133
11,248
13,047
69,573
22,411
45,712
54,711
63,252
3,404
1,182
3,165
4,041
5,433
44,951
12,775
22,486
29,251
32,561
3,126
18
162
79
189
156,241
39,822
93,115
109,490
127,924
(1,305,700)
(350,382)
(716,393)
(835,595)
(956,343)
1,269,765
343,057
702,072
818,870
937,247
0
0
0
0
0
35,935
7,325
14,321
16,725
19,096
1,446,314
1,446,314
1,446,314
1,446,314
1,446,314
1,586,836
431,846
1,124,015
1,297,549
1,258,575
58,488
16,682
31,402
37,107
42,631
46
1
3
2
4
0
0
0
0
0
36,967
11,224
23,539
26,577
31,222
438,628
117,290
260,065
306,529
353,987
19,248
3,308
7,880
9,605
11,296
985
269
501
535
665
102,165
25,469
53,055
62,312
71,267
89,856
24,008
56,087
67,769
81,306
3,104
576
1,671
1,961
2,206
31,087
7,759
16,406
19,262
22,235
542,876
159,654
537,202
602,845
454,116
379
36
71
84
97
263,007
65,570
136,133
162,961
187,543
480,271
174,269
331,712
384,837
430,199
837,765
275,100
565,136
666,005
787,522
903,986
274,095
566,769
667,996
791,976
(66,221)
1,005
414,050
175,274
330,079
382,846
425,745
355,047
158,727
301,395
354,572
392,083
(1,633)
(1,991)
(4,454)
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)
4.84%
26.00
5%
24.00 22.00
4%
20.00 18.00
3.13%
3.12%
3%
3.06%
16.00
2.75%
2.74%
2.37%
14.00
2.23%
2%
1.73%
12.00 10.00
0.85%
1%
0.72%
8.00
0.82%
6.00
0%
4.00 -0.28%
2.00 0.00
-1%
Aug-06 Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Jan-07
Feb-07
Mar-07
Apr-07 May-07 Jun-07
Jul-07
Aug-07
Gambar 2. Sumber Dana Source of Fund
24.00
Triliun Rupiah (Trillion IDRs) Pembiayaan yang diterima (Received financing)
22.00
Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.)
20.00
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 Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Apr-07
May-07
Jun-07
Jul-07
Aug-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
Mar-07 3,615,077
Jun-07 3,187,509
Jul-07 3,327,940
Jul-07 3,366,363
Pangsa (Share)
15.29%
16.52%
16.52%
14.03%
14.32%
14.44%
Nilai (Amount)
5,604,591
6,430,355
6,740,443
7,187,821
7,524,694
7,693,895
Pangsa (Share)
31.18%
31.11%
30.80%
31.64%
32.39%
33.01%
Deposito Mudharabah
Nilai (Amount)
9,623,131
10,826,079
11,527,413
12,338,926
12,379,147
12,248,321
Mudharabah investment account
Pangsa (Share)
53.53%
52.37%
52.68%
54.32%
53.29%
52.55%
17,975,508
20,672,181
23,231,781
23,308,579
Total
21,882,933
22,714,256
Gambar 3. Jumlah Rekening Dana Pihak Ketiga Number of Account Deposit s
3,000,000 Giro wadiah (Wadiah Curr. Acc) Deposito Mudharabah (Mudharabah Inv. Acc.) Tabungan Mudharabah (Mudharabah Sav. Acc.)
2,500,000
2,000,000
1,500,000
1,000,000
500,000
0 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Giro wadiah (Wadiah Curr. Acc)
31,609
32,758
Deposito Mudharabah (Mudharabah Inv. Acc.)
74,006
70,691 71,679
33,477
35,970
34,499 35,399 36,032
35,994
36,819
37,652
37,840 38,979
40,464
72,214
74,078
80,453
82,190
82,929
83,481
85,948
76,214
78,483
85,365
Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,589,8401,667,9821,727,7311,855,8611,883,875 1,946,9411,985,2792,064,45 2,118,9012,196,654 2,264,68 2,306,60 2,393,117
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 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Giro wadiah (Wadiah Curr. Acc)
1.11
1.16
1.13
1.12
1.27
1.12
0.97
1.07
0.98
1.10
1.00
1.08
Deposito Mudharabah (Mudharabah Inv. Acc.)
10.01
8.89
8.52
8.74
9.41
8.59
8.63
8.19
7.92
8.05
7.89
7.76
1.12 7.91
Tabungan Mudharabah (Mudharabah Sav. Acc.)
5.62
4.11
3.66
3.32
3.72
3.32
3.54
3.48
3.46
3.32
3.24
3.00
3.15
Gambar 5. Komposisi Dep osito Mudarabah Composition of Mudharabah Investment Account
diatas 12 bulan (ab. 12 Months)
0.02%
19.62%
12 bulan (Months)
6 bulan (Months)
11.67% 13.13%
3 bulan (Months)
56.62%
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
30.00
Triliun Rupiah (Trillion IDRs) Penyertaan (Eq. participation)
28.00
Pembiayaan yang diberikan (Fin. extended)
26.00
Penempatan pada bank lain (Inter bk assets)
24.00
Penempatan pada BI (Plcment at BI)
22.00 20.00 18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Aug-06 Sep-06
Tabel
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07 Mar-07
Apr-07 May-07
Jun-07
Jul-07
Aug-07
6. Komposisi Pembiayaan (Juta Rupiah)
Composition of Financing (Million IDRs)
RINCIAN PEMBIAYAAN YANG DIBERIKAN
Sep-06
Dec-06
Nilai (Amount)
2,336,017
2,334,751
2,367,837
3,289,327
3,378,871
3,725,870
Musharakah Financing Pangsa (Share)
11.88%
11.42%
11.37%
14.32%
14.26%
15.12%
Nilai (Amount)
3,842,979
4,062,200
4,132,872
4,686,835
4,855,228
5,029,130
Mudharabah Financing Pangsa (Share)
19.54%
19.87%
19.85%
20.40%
20.50%
20.41%
ITEMS OF FINANCING Pembiayaan Musyarakah
Pembiayaan Mudharabah
Piutang Murabahah
Nilai (Amount)
12,449,101
Murabahah Receivable Pangsa (Share)
63.31%
Mar-07
12,624,241 12,769,755 13,936,084 61.75%
61.33%
-
-
-
Salam Receivable Pangsa (Share)
0.00%
0.00%
Nilai (Amount)
303,440
336,970
Piutang Salam
Nilai (Amount)
Piutang Istishna'
Jun-07
60.67%
Jul-07
Aug-07
14,370,147 14,768,565 60.67%
59.94%
-
-
-
0.00%
0.00%
0.00%
0.00%
342,585
333,695
332,534
331,612
Istishna' Receivable Pangsa (Share)
1.54%
1.65%
1.65%
1.45%
1.40%
1.35%
Nilai (Amount)
731,005
1,086,745
1,207,015
723,162
750,538
782,673
Pangsa (Share)
3.72%
5.32%
5.80%
3.15%
3.17%
3.18%
20,820,064 22,969,103 23,687,318
24,637,850
Lainnya Others Total
19,662,542 20,444,907
8
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
Nilai (Amount)
735,353
Agriculture, forestry and agricultural facilities Pangsa (Share)
3.74%
Pertambangan
Nilai (Amount) Mining
Perindustrian Manufacturing Listrik, gas dan air
Pangsa (Share)
3.68%
Nilai (Amount)
1,043,957
Pangsa (Share)
5.31%
Nilai (Amount)
90,815 0.46%
Nilai (Amount)
1,917,401
Constuction Perdagangan, restoran dan hotel
Pangsa (Share)
9.75%
Nilai (Amount)
2,551,781
Trade, restaurants and hotels Pangsa (Share)
12.98%
Pengangkutan, pergudangan dan komunikasi Nilai (Amount)
1,331,252
Transport, cargo storage and commnucation
Pangsa (Share)
6.77%
Jasa dunia usaha
Nilai (Amount)
5,074,300
Business Services Pangsa (Share)
25.81%
Nilai (Amount)
1,402,699
Jasa sosial/masyarakat
Social Services Pangsa (Share)
7.13%
Nilai (Amount)
4,790,859
Lain-lain
Others Pangsa (Share)
19,662,542
631,485
3.43%
Jun-07
288,760
1.83%
962,276
4.60% 17,158 0.08%
662,774 2.80%
2.61%
402,234
438,423
478,538
1.75%
1.85%
1.94%
1,122,519
1,187,799
4.62%
4.82%
4.74%
4.82%
5,644
27,343
125,245
49,084
1,552,117
8.01%
0.12%
0.53%
0.20%
1,800,048
1,990,273
2,182,801
7.45%
3,041,050
3,915,476
14.87%
7.84%
8.40%
8.86%
3,987,678
3,725,191
3,818,784
18.81%
1,165,429
1,229,543
5.70%
17.36%
15.73%
15.50%
1,304,430
1,425,979
1,490,049
5.91%
5,457,711
5,394,551
26.69%
5.68%
6.02%
6.05%
6,837,406
7,344,018
7,567,868
25.91%
1,456,391
1,389,760
7.12%
29.77%
31.00%
30.72%
1,685,708
1,660,742
1,685,990
6.68%
5,654,803
5,450,452
27.66% 20,444,907
644,142
1,106,830
0.03%
1,637,027
Aug-07
2.83%
1.39%
939,713
Jul-07
651,089
3.03%
374,581
24.37%
Total
Mar-07
701,044
724,125
Water, gas and electricity Pangsa (Share) Konstruksi
Dec-06
7.34%
7.01%
6.84%
5,166,337
5,192,154
5,532,795
26.18%
22.49%
21.92%
22.46%
20,820,064
22,969,103
23,687,318
24,637,850
Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan Financing base d On Type of Use
Triliun Rp (Trillion IDRs) 16.00 Modal Kerja (Working Capital) Investasi (Investment) Konsumsi (Consumption) 14.00
13.48 13.83 11.88
12.00
10.00
11.04
10.82
10.66
10.33
12.89
11.38 10.45
10.41
9.99
10.25
8.00 5.96
6.00 4.88
4.00 4.17
5.33
5.17 4.80 4.53
4.46 5.17
4.39 5.34
5.67 4.37
5.34
5.17
5.20
5.46 4.23
4.64 4.26
4.70
4.90
5.01
5.54 5.26
4.32
2.00
0.00 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06
Jan-07
Feb-07 Mar-07 Apr-07 May-07 Jun-07
Jul-07
Aug-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) 20 UKM (Small and Medium Business) 18
Non UKM (Small and Medium Business)
17.31
16.44 15.49
16 14
15.71
15.33 12.94
14.59
16.75
14.91
14.87
14.43
14.58
13.74
12 10 8 6
7.33 5.66
5.92
5.80
6.09
5.57
5.64
5.55
5.49
5.86
6.94
6.53
6.21
4 2 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07
Jul-07
Aug-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)
Aug-06
Sep-06
Oct-06
16,188
16,712
17,181
237,728 263,233 524,913 222
317
399
Nov-06 Dec-06 17,549
17,991
Jan-07
Feb-07 Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
18,120
18,502
19,961
20,736
22,048
23,208
24,547
557,281 353,673 372,616 412
445
486
19,204
386,931 399,617 516
541
405,649 402,485 409,775 423,542 441,486 563
584
739
772
855
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 6
Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others)
4 2 0 -2
Aug- Sep- Oct- Nov- Dec- Jan- Feb- Mar- Apr- May- Jun06 06 06 06 06 07 07 07 07 07 07
Jul07
Aug07
Pembiayaan (Financing) 12.26 12.10 12.39 12.11 12.46 12.62 12.58 14.69 14.07 13.95 13.88 13.85 13.56 Piutang (Receivable)
12.35 12.27 12.31 12.23 12.24 14.60 14.25 15.61 15.53 15.45 15.33 15.06 14.90
Lain-lain (Others)
14.56 0.49 0.58 0.55 0.66 2.35 0.62 0.62 0.56 0.29 0.26 0.26 0.25
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%
13%
1%
4%
14%
54% 83%
31%
Jun-2007
Jun-2007
0%
11%
1%
14%
4%
53%
32%
85%
Jul-2007
0%
Jul-2007
1%
9%
14%
4%
52%
33%
87%
Aug-2007
Aug-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 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07
Feb-07 Mar-07 Apr-07 May-07 Jun-07
Jul-07 Aug-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 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07
Persentase Bonus SWBI (% bonus SWBI-Av.)
0.46
2.73
1.99
2.72
1.35
1.23
1.04
0.85
1.52
1.43
1.61
Persentase Bagi Hasil Sertifikat IMA (% profit sharing IMA Certificate-Av))
26.44 28.86
1.41
15.81 18.35
6.24
7.45
26.06
3.63
5.73
3.46
1.95
4.63
2.51
Persentase Bagi Hasil Obligasi Syariah (% profit sharing sharia obligation-Av)
7.89
6.92
8.04
8.43
8.81
9.05
9.10
9.82
9.82
9.62
9.48
Persentase Bagi Hasil Surat Berharga yang dimiliki (% profit sharing securities-Av)
11.70 11.80
13.17 12.51
12.49
8.70
1.06
6.79
12.49 12.52
12.46 13.50
13.36 13.88
13.59 13.30
13
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 14. Sumber Dana, Pembiayaan, dan FDR Source of Fund, Financing, and FDR
Triliun Rupiah (Trillion IDRs)
24.00
150%
Pembiayaan yang diberikan (Fin. extended)
22.00
Dana Pihak Ketiga (Deposit Fund) FDR (Financing to Deposit Ratio)
20.00 18.00 16.00 14.00
105.70%
12.00
100%
10.00 8.00 6.00 4.00 2.00 0.00
50% Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Gambar 15. Pembiayaan dan PPAP
Financing and Provision for Losses (PPAP)
Triliun Rupiah (Trillion IDRs)
24.00
Pembiayaan yang diberikan (Fin. extended)
22.00
Provision for Losses (PPAP)
20.00 18.00 16.00 14.00 12.00 10.00 8.00 6.00 4.00 2.00 0.00 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07
Aug-07
14
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
8. Pembiayaan Non Lancar
Non Performing Financings (NPFs)*) (Miliion IDRs)
KOLEKTIBILITAS PEMBIAYAAN
Sep-06
Dec-06
Mar-07
Jun-07
Jul-07
Aug-07
COLLECTIBILITY OF FINANCING Lancar
Nilai (Amount)
17,685,310
18,582,911
18,468,301
20,228,465
20,662,921
21,565,360
Current Pangsa (Share)
89.94%
90.89%
88.70%
88.07%
87.23%
87.53%
Dalam Perhatian Khusus
Nilai (Amount)
969,362
890,780
1,157,905
1,317,277
1,466,339
1,439,147
Special Mention Pangsa (Share)
4.93%
4.36%
5.56%
5.73%
6.19%
5.84%
Kurang Lancar
Nilai (Amount)
432,676
352,584
393,080
512,678
561,452
551,551
Sub-standard Pangsa (Share)
2.20%
1.72%
1.89%
2.23%
2.37%
2.24%
Diragukan
Nilai (Amount)
201,300
235,993
266,541
327,756
354,008
344,810
Doubtful Pangsa (Share)
1.02%
1.15%
1.28%
1.43%
1.49%
1.40%
Nilai (Amount)
373,894
382,639
534,237
582,927
642,454
736,982
Loss Pangsa (Share)
1.90%
1.87%
2.57%
2.54%
2.71%
2.99%
Macet
Total Pembiayaan (Total Financing)
19,662,542
20,444,907
20,820,064
22,969,103
23,687,174
24,637,850
Nominal NPFs (Coll. 3-5)
1,007,870
971,216
1,193,858
1,423,361
1,557,914
1,633,343
Percentage of NPFs
5.13%
4.75%
5.73%
6.20%
6.58%
6.63%
*) 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 26.00 24.00 22.00
6.63%
Total Financing Nominal NPFs (Coll. 3-5) Percentage of NPFs
6.14%
6.17%
6.20% 6.58%
6%
5.73% 5.54%
5.24%
5.17%
5.07%
5.08%
5%
5.13%
20.00
7%
4.75%
18.00
4%
16.00 14.00
3%
12.00 10.00
2%
8.00 6.00 4.00 2.00
0.97 1.01
1.07
0.97
1.05
1.02
1.13
1.19
1.31
1.35
1.42
1.56
1% 1.63
0.00
0% Aug-06 Sep-06 Oct-06 Nov-06 Dec-06
Jan-07
Feb-07 Mar-07
Apr-07 May-07 Jun-07
Jul-07
Aug-07
15
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses
Aug-07
-464.81
856.90
749.72
-395.15
Jul-07
-332.10
Jun-07 May-07
633.49
524.95
-283.95
Apr-07
424.86
-230.54
Mar-07
323.69
-104.70
Feb-07
Rugi tahun berjalan (Current year losses)
217.93
-44.49
Jan-07 Dec-06
Laba tahun berjalan (Current year profit)
-164.96
118.00
-459.55
814.60
-453.33
Nov-06
773.84
-413.58
Oct-06
693.39 618.39
-356.96
Sep-06
-313.96
Aug-06
537.74
-650 -590 -530-470 -410 -350 -290 -230 -170 -110 -50 10
70 130 190 250 310 370 430 490 550 610 670 730 790 850 910 970
Milyar Rupiah (Billion IDRs)
Gambar 17. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio
10%
60%
ROA
9%
ROE
49.99%
8%
44.47%
7% 41.18%
45.59%
50%
51.44%
46.66%
45.95% 40%
41.81%
6% 36.94% 33.82% 5%
30%
31.49% 31.56% 30.03%
4% 20% 3%
2%
1%
1.38%
1.41%
1.38%
1.44%
1.55%
1.69%
1.68%
1.75%
1.75%
1.76%
1.86%
10%
1.88% 1.65%
0%
0%
Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07
Aug-07
16
Statistik Perbankan Syariah (Islamic Banking Statistics)
Gambar 18. Layanan Syariah
Office Channeling
Juta Rp (Milion IDRs)
1000 900
450,000
800 jumlah kantor (number of offices)
550,000
Jumlah Kantor (Number of Offices) Dana Pihak Ketiga (Deposits)
700
350,000
600 500
250,000
400 150,000
300 200
50,000
100 0
-50,000 Aug- Sep- Oct- Nov- Dec- Jan- Feb- Mar- Apr- May- Jun- Jul- Aug06 06 06 06 06 07 07 07 07 07 07 07 07
17
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
Periode
Period
9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market (PUAS)
Volume Transaksi (Juta Rupiah)
Volume of Transaction (Million IDRs)
Agustus 1-Aug-07
10,000 17,600 3,500 15,000 15,000 1,200 3,500 14,200 1,900 3,000 5,500 4,000 5,000 10,000 12,500 5,000 20,000 3,000 10,000 5,000 9,900 2,800 10,000 9,900 5,000 1,500 3,000
2-Aug-07
3-Aug-07
6-Aug-07 7-Aug-07
8-Aug-07
9-Aug-07
10-Aug-07 13-Aug-07
14-Aug-07 15-Aug-07
16-Aug-07 20-Aug-07
21-Aug-07
22-Aug-07
23-Aug-07 24-Aug-07 27-Aug-07
28-Aug-07
29-Aug-07
30-Aug-07 31-Aug-07
1,500 10,000 15,000 10,000 3,000 13,400 10,000 3,000 13,000 20,000 10,000 36,000 10,000 10,000 10,000 15,800 20,000 16,000 6,500 10,000 5,000 3,000 20,900 4,000 15,000 20,300 2,000 15,000 14,000 7,000 16,600 2,000
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)
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 (%)
1 1 2 14 1 1 5 1 1 1 7 7 3 1 1 1 14 2 1 5 1 1 14 1 7 7 7 1 5 14 7 7 1 1 11 1 10 9 1 1 7 2 1 7 1 3 1 1 7 1 1 7 1 7 7 1 1 1 7
5.6389 5.6389 5.6389 5.6389 4.7743 4.7743 4.7743 4.6530 4.6530 4.6530 4.6530 6.1297 6.1297 5.3137 5.3137 5.3137 5.3137 6.1695 6.1695 6.1695 5.7929 5.7929 5.7929 5.7613 6.2159 6.2159 6.2159 6.2502 6.2502 6.2502 6.2374 6.2374 5.2363 5.2363 5.2363 5.9681 5.9681 5.9681 5.5539 5.5539 5.5539 5.5539 5.4219 5.4219 4.6974 4.6974 4.8149 4.8149 4.8149 4.9251 4.9251 4.9251 5.1029 5.1029 5.1029 4.7311 4.7311 5.1541 5.1541
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)
10.6000 17.4585 10.6000 11.8500 17.4585 17.4585 10.6000 17.4585 17.4585 17.4585 13.9900 13.9900 17.4585 17.4585 17.4585 17.4585 11.8500 15.2292 17.4585 11.8500 17.4585 17.4585 11.8500 17.4585 13.9900 13.9900 11.8500 13.9900 17.4585 11.8500 13.9900 11.8500 17.4585 17.4585 11.8500 17.4585 11.8500 13.9900 17.4585 17.4585 13.9900 17.4585 17.4585 11.8500 17.4585 10.6000 17.4585 17.4585 13.9900 17.4585 17.4585 13.9900 17.4585 13.9900 11.8500 11.8500 17.4585 17.4585 13.9900
59.43 26.00 57.00 51.00 26.00 23.00 57.00 23.00 23.00 29.00 45.00 45.00 34.35 26.00 34.50 34.50 51.00 36.20 26.00 52.00 31.50 34.00 51.00 33.00 45.00 45.00 51.00 40.00 40.00 51.00 45.00 51.00 29.00 24.00 51.00 31.50 51.00 46.00 29.00 34.50 45.00 35.00 29.00 51.00 23.00 57.00 23.00 23.00 45.00 23.00 26.00 45.00 23.00 45.00 51.00 51.00 26.00 23.00 45.00
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 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Volume of PUAS Transaction 1506.5 2288.9
700.8
689.8
761.6
764.45 728.5
680.8
375.8
806.6
651.9
Jul-07 Aug-07 780.5
933.8
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%
-
Aug-06 Sep-06
Outstanding
1,117
1,046
SWBI/Aset
4.74% 4.30%
Oct-06 Nov-06 Dec-06 Jan-07
Feb-07 Mar-07
Apr-07 May-07 Jun-07
Jul-07
Aug-07
1,190
3,002
3,166
1,547
2,357
2,663
3,325
2,801
2,036
1,555
982.7
4.75% 6.07%
8.82%
9.88% 10.84% 11.69% 11.16% 9.66%
6.97%
5.20%
3.26%
0.00%
19
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Juli 2007 – Miliar Rupiah) Islamic Banks’s Share to All Banks (position J ul y 200 7 - Billion IDRs)
Islamic Banks Nominal
Share
Total Banks
Total Assets
29,900
1.66%
1,801,094
Deposit Fund
23,232
1.68%
1,379,211
Credit/Financing extended
23,687
2.72%
871,987
FDR/LDR*)
101.96%
63.22%
6.58%
5.81%
NPFS /NPL S*) *) FDR = Financing extended/Deposit Fund LDR = Credit extended/Deposit Fund
Gambar 21. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Juni 2007) Islamic Banks’s Share to All Banks (position June 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 Apr-07 May-07 Jun-07
Total Assets
1.51%
1.52%
1.54%
1.56%
1.56%
1.58%
1.59%
1.63%
1.67%
1.66%
1.69%
1.65% 1.66%
Jul-07
Deposit Fund
1.42%
1.44%
1.49%
1.53%
1.55%
1.61%
1.60%
1.64%
1.69%
1.69%
1.73%
1.68% 1.68%
Financing extended
2.58%
2.62%
2.63%
2.66%
2.66%
2.58%
2.61%
2.61%
2.60%
2.63%
2.66%
2.67% 2.72%
20
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel
11. Kegiatan Usaha BPR Syariah (Juta Rupiah) Islamic Rural Banks Operations (Million IDRs)
INDIKATOR (Indicator) Penyaluran dana Fund Disbursements Pembiayaan Financing Piutang Murabahah Murabahah Receivable Piutang salam
Sep-06
Dec-06
Mar-07
Jun-07
Jul-07
Aug-07
745,908
1,346,637
859,367
911,390
964,977
1,003,915
615,102
1,124,077
679,764
744,743
779,783
822,772
510,088
927,270
561,542
613,591
637,863
664,870
68
68
68
68
68
68
Salam Receivable Piutang Istishna Istishna Receivable Pembiayaan Mudharabah
1,913
4,092
1,184
915
5,296
6,254
24,706
47,638
26,366
32,113
32,556
35,974
Mudharabah Financing Pembiayaan Mudharabah
59,279
108,568
69,904
75,650
80,088
89,533
7,518
14,856
6,358
6,635
7,014
7,370
11,531
21,585
14,340
15,771
16,899
18,702
130,807
222,560
179,603
166,647
185,194
181,143
608,372
1,096,445
722,838
766,257
815,809
844,890
473,808
862,171
567,354
601,079
628,586
651,391
64,185
115,340
80,282
85,935
91,183
93,118
Mudharabah Financing Ijarah Ijarah Qardh Qardh Antar Bank Inter-Bank Sumber Dana
Source of Fund Dana Pihak ketiga Third Party Funds Tabungan Wadiah Wadiah Savings Accounts Tabungan Mudharabah Mudharabah Saving Accounts Deposito Mudharabah
146,279
272,991
170,625
173,669
183,163
190,358
263,344
473,840
316,447
341,475
354,239
367,915
Mudharabah Investment Accounts Antar Bank Pasiva
86,547
148,890
106,336
118,134
137,175
140,429
Inter- Bank Pinjaman yang diterima
40,962
71,881
42,927
42,453
42,056
44,246
7,055
13,502
6,220
4,591
7,992
8,824
145,131
274,015
155,659
162,551
165,421
171,761
19,080
38,732
20,439
22,481
20,145
20,449
17,544
25,485
5,439
12,190
14,575
17,892
(6,266)
(11,669)
3,564
(5,566)
945,005
997,254
Loans Received Kewajiban lainnya Other Liabilities Komponen modal Components Capital Modal disetor Paid in Capital Cadangan Reserves L/R Tahun Berjalan Current Earning Profit/Loss L/R Tahun lalu Retained Earning Profit/Loss Total Aset
816,319
1,482,627
(6,203) 1,052,646
(6,729) 1,092,059
Total Assets
21
Statistik Perbankan Syariah (Islamic Banking Statistics)
Tabel 12. BPR Syariah Berdasarkan Total Aset
Islamic Rural Banks Based on Total Assets
Total Aset (Total Assets) < 1 Miliar
Sep-06
Dec-06
Mar-07
Jun-07
Jul-07
Aug-07
7
7
7
8
7
7
1 s.d. 5 Miliar
55
57
49
50
49
50
> 5 s.d. 10 Miliar
21
22
28
25
25
25
> 10 Miliar
19
19
21
24
26
26
107
107
108
Total
102
105
105
Tabel 13. Jumlah Rekening and Persentase Pembiayaan Bermasalah BPR Syariah
Number of Account and Percentage of Non Performing Financing Islamic Rural Banks
Keterangan
Sep-06
Dec-06
Mar-07
Jun-07
Jul-07
Aug-07
Jumlah Nasabah Pembiayaan Number of Financing Account Jumlah Nasabah Dana Pihak Ketiga
69,701
74,698
85,793
82,942
85,583
87,167
278,426
314,584
301,589
332,403
325,599
333,274
Nomber of Account Source of Fund Pembiayaan Bermasalah
9.38%
8.29%
8.75%
9.11%
8.73%
8.44%
Non Performing Financing
Tabel
14. Pangsa BPR Syariah Terhadap Total BPR (posisi Juli 2007 – Miliar Rupiah) Islamic Rural Bank’s Share to All Rural Banks (position July 200 7 – Billion IDRs)
Total Assets Deposit Fund Credit/Financing extended NPFS/NPLS*)
Islamic Rural Banks Nominal Share 4.02% 1,053 3.51% 629 3.84% 780 8.73%
Total Rural Banks 26,193 17,892 20,288 8.93%
22
