Lampiran 1 : Intellectual Capital
No
Bank
Tahun
Intellectual Capital
VACA
VAHU
STVA
VAIC TM
1 Bank Syariah Mandiri
2010
0.596845
1.936784
0.483680
3.017309
2 Bank Muamalat Indonesia
2010
0.276629
1.910231
0.476503
2.663363
3 Bank Rakyat Indonesia Syariah
2010
0.403295
2.051884
0.512643
2.967823
4 Bank Negara Indonesia Syariah
2010
0.108435
1.475336
0.322189
1.905960
5 Bank Central Asia Syariah
2010
0.047025
0.565104
-0.769586
-0.157457
6 Bank Bukopin Syariah
2010
0.385328
1.377920
0.274269
2.037517
7 Bank Panin Syariah
2010
0.043641
0.745780
-0.340878
0.448544
8 Banten Jabar Syariah
2010
0.084455
1.219965
0.180304
1.484724
9 Bank Mega Syariah
2010
0.967973
1.305673
0.234111
2.507757
10 Bank Syariah Mandiri
2011
0.563568
1.795032
0.442907
2.801507
11 Bank Muamalat Indonesia
2011
0.378265
1.905728
0.475266
2.759260
12 Bank Rakyat Indonesia Syariah
2011
0.661387
2.113718
0.526900
3.302006
13 Bank Negara Indonesia Syariah
2011
0.253577
0.459979
-1.174013
-0.460458
14 Bank Central Asia Syariah
2011
0.137209
1.304329
0.233323
1.674860
15 Bank Bukopin Syariah
2011
0.237923
1.436513
0.303870
1.978306
16 Bank Panin Syariah
2011
0.060465
1.829806
0.453494
2.343765
17 Banten Jabar Syariah
2011
0.200611
1.643013
0.391362
2.234986
18 Bank Mega Syariah
2011
0.870599
1.242021
0.194861
2.307481
19 Bank Syariah Mandiri
2012
0.554374
1.943695
0.485516
2.983585
20 Bank Muamalat Indonesia
2012
0.496445
2.231328
0.551836
3.279610
21 Bank Rakyat Indonesia Syariah
2012
0.431827
1.426899
0.299180
2.157906
No
Bank
Tahun
Intellectual Capital
VACA
VAHU
STVA
VAIC TM
23 Bank Central Asia Syariah
2012
0.164269
1.280766
0.219217
1.664253
24 Bank Bukopin Syariah
2012
0.268614
1.497055
0.332022
2.097690
25 Bank Panin Syariah
2012
0.142472
3.490200
0.713483
4.346155
26 Banten Jabar Syariah
2012
0.087088
0.696993
-0.434734
0.349347
27 Bank Mega Syariah
2012
0.924012
1.790031
0.441350
3.155394
28 Bank Syariah Mandiri
2013
0.386602
1.931501
0.482268
2.800371
29 Bank Muamalat Indonesia
2013
0.382589
2.177187
0.540692
3.100469
30 Bank Rakyat Indonesia Syariah
2013
0.344031
1.459548
0.314856
2.118436
31 Bank Negara Indonesia Syariah
2013
0.485088
1.371327
0.270779
2.127194
32 Bank Central Asia Syariah
2013
0.183224
1.411988
0.291779
1.886991
33 Bank Bukopin Syariah
2013
0.297252
1.456081
0.313225
2.066558
34 Bank Panin Syariah
2013
0.122693
1.824362
0.451863
2.398918
35 Banten Jabar Syariah
2013
0.237817
1.373161
0.271753
1.882730
Lampiran 2 : Islamicity Performance Index BSM Akun 2010 2011 2012 2013 Mudharabah 4,173,681,797,450 4,590,780,845,924 4,161,500,769,523 3,703,697,897,843 Musyarakah 4,221,305,155,711 5,112,172,432,733 6,049,076,989,927 7,048,707,025,566 Total Financing 23,968,469,000,000 36,730,000,000,000 44,750,000,000,000 50,460,000,000,000 Total Asset 32,481,873,142,495 48,671,950,025,861 54,229,395,784,522 63,965,361,177,789 Zakat 14,582,880,512 19,177,801,129 28,131,606,226 22,662,472,354 Total Revenue 2,172,933,000,000 3,072,468,886,992 3,909,974,353,870 4,550,328,403,208 Earning After Tax 418,519,817,953 551,070,247,617 805,690,561,013 651,240,189,470 Employee's Expense 622,678,606,037 964,882,009,934 1,192,402,774,018 973,159,658,117 Tax paid 150,212,521,997 196,863,996,419 291,442,081,821 232,596,232,345 Directors'Remuneration 15,882,434,870 19,793,182,023 30,885,232,387 35,956,742,381 Employee's Welfare 622,678,606,037 964,882,009,934 1,192,402,774,018 973,159,658,117 Income Halal 2,177,211,002,919 3,079,226,891,141 3,917,427,909,463 4,560,076,211,285 Income non-Halal 561,546,776 610,212,906 453,611,371 191,243,336 Total Income 2,177,772,549,695 3,079,837,104,047 3,917,881,520,834 4,560,267,454,621 Equity 2,020,615,074,975 3,073,264,468,871 4,180,690,176,525 4,861,998,914,310 Total Expense 1,593,895,782,451 2,312,114,845,976 2,792,163,660,403 3,653,577,317,116 BMI Akun 2010 2011 2012 2013 Mudharabah 1,364,534,388,000 1,498,296,551,000 1,985,586,533,000 2,225,162,877,000 Musyarakah 5,979,043,571,000 8,176,819,533,000 12,819,798,193,000 18,673,772,593,000 Total Financing 15,917,690,000,000 22,486,620,000,000 32,861,440,000,000 41,786,960,000,000 Total Asset 21,400,793,090,000 32,479,506,528,000 44,854,413,084,000 54,694,020,564,000 Zakat 1,293,799,000 4,406,000,000 6,840,000,000 9,735,000,000 Total Revenue 1,121,106,217,000 1,517,795,365,000 1,924,894,989,000 2,609,940,978,000 Earning After Tax 170,938,736,000 273,621,603,000 389,414,422,000 475,846,659,000 Employee's Expense 253,302,852,000 410,355,072,000 546,874,763,000 754,058,623,000 Tax paid 60,137,971,000 98,048,663,000 132,426,899,000 177,773,729,000 Directors'Remuneration 14,479,981,000 23,331,216,000 29,109,149,000 29,850,286,000 Employee's Welfare 253,302,852,000 410,355,072,000 546,874,763,000 754,058,623,000 Income Halal 1,133,535,861,000 1,538,706,819,000 1,944,054,551,000 2,624,411,093,000 Income non-Halal 1,642,190,000 0 0 3,527,718,644 Total Income 1,135,178,051,000 1,538,706,819,000 1,944,054,551,000 2,627,938,811,644 Equity 1,749,157,222,000 2,067,401,205,000 2,457,989,411,000 4,291,093,718,000 Total Expense 902,971,656,000 1,167,036,553,000 1,270,672,315,000 1,736,742,769,000
BRI SYARIAH Akun 2010 2011 2012 2013 Mudharabah 387,425,000,000 598,464,000,000 859,252,000,000 936,688,000,000 Musyarakah 922,365,000,000 1,123,372,000,000 1,737,831,000,000 3,033,517,000,000 Total Financing 5,090,600,000,000 9,170,300,000,000 11,403,000,000,000 14,167,362,000,000 Total Asset 6,856,386,000,000 11,200,823,000,000 14,088,914,000,000 17,400,914,000,000 Zakat 587,000,000 1,801,000,000 2,965,000,000 5,541,000,000 Total Revenue 456,695,000,000 679,865,000,000 979,877,000,000 1,111,030,000,000 Earning After Tax 10,954,000,000 11,654,000,000 101,888,000,000 129,564,000,000 Qard and Donation 34,000,000 4,631,000,000 2,186,000,000 6,024,000,000 Employee's Expense 189,999,000,000 302,475,000,000 323,383,000,000 400,267,000,000 Tax paid 7,099,000,000 5,047,000,000 36,164,000,000 54,378,000,000 Directors'Remuneration 2,748,000,000 3,435,000,000 4,869,000,000 7,640,000,000 Employee's Welfare 189,999,000,000 302,475,000,000 323,383,000,000 400,267,000,000 Income Halal 465,696,000,000 691,495,000,000 986,894,000,000 1,115,232,000,000 Income non-Halal 7,000,000 27,000,000 47,000,000 337,000,000 Total Income 465,703,000,000 691,522,000,000 986,941,000,000 1,115,569,000,000 Equity 955,022,000,000 966,676,000,000 1,068,564,000,000 1,698,128,000,000 Total Expense 265,839,000,000 354,623,000,000 848,842,000,000 931,290,000,000 BNI SYARIAH Akun 2010 2011 2012 2013 Mudharabah 83,201,000,000 89,383,000,000 287,064,000,000 709,218,000,000 Musyarakah 594,566,000,000 855,953,000,000 966,531,000,000 1,059,082,000,000 Total Financing 3,558,485,000,000 5,310,292,000,000 7,631,994,000,000 11,242,241,000,000 Total Asset 6,394,924,000,000 8,466,887,000,000 10,645,313,000,000 14,708,504,000,000 Zakat 0 2,579,000,000 3,169,000,000 4,538,000,000 Total Revenue 301,975,000,000 593,549,000,000 729,459,000,000 1,061,877,000,000 Earning After Tax 36,512,000,000 66,354,000,000 101,892,000,000 117,462,000,000 Employee's Expense 77,280,000,000 183,764,000,000 317,073,000,000 461,512,000,000 Tax paid 222,000,000 22,902,000,000 35,852,000,000 62,154,000,000 Directors'Remuneration 1,215,000,000 3,838,000,000 3,037,000,000 4,017,666,667 Employee's Welfare 77,280,000,000 183,764,000,000 317,073,000,000 461,512,000,000 Income Halal 302,621,000,000 593,549,000,000 729,459,000,000 1,061,877,000,000 Income non-Halal 0 0 254,000,000 121,000,000 Total Income 302,621,000,000 593,549,000,000 729,713,000,000 1,061,998,000,000 Equity 1,051,450,000,000 1,076,677,000,000 1,187,218,000,000 1,304,680,000,000 Total Expense 265,887,000,000 504,293,000,000 677,436,000,000 890,505,000,000
BCA SYARIAH Akun 2010 2011 2012 2013 Mudharabah 91,475,000,000 12,910,177,743 124,763,336,476 201,866,665,217 Musyarakah 47,322,000,000 193,776,200,188 339,617,374,086 532,542,259,329 Total Financing 433,000,000,000 681,000,000,000 1,008,000,000,000 1,422,000,000,000 Total Asset 874,630,867,793 1,217,097,137,461 1,602,180,989,705 2,041,418,847,273 Zakat 0 2,031,589 9,433,286 10,000,000 Total Revenue 31,680,082,551 63,155,202,850 81,086,363,381 95,826,881,084 Earning After Tax 5,470,578,327 6,772,770,592 8,359,925,529 12,701,022,880 Employee's Expense 25,207,842,563 32,754,944,488 39,038,795,029 40,682,976,814 Tax paid 4,815,376,294 2,432,831,082 3,043,062,514 4,059,878,181 Directors'Remuneration 4,896,011,476 5,196,011,476 5,646,011,476 5,927,500,000 Employee's Welfare 25,207,842,563 32,754,944,488 39,038,795,029 40,682,976,814 Income Halal 31,878,980,959 63,235,044,973 81,125,482,968 96,237,055,530 Income non-Halal - - 1,423,884 881,705 Total Income 31,878,980,959 63,235,044,973 81,126,906,852 96,237,937,235 Equity 302,925,794,455 311,374,488,072 304,375,857,598 313,516,941,577 Total Expense 42,841,770,388 53,266,752,271 70,164,704,953 79,476,154,469
BANK BUKOPIN SYARIAH
Akun 2010 2011 2012 2013 Mudharabah 119,790,820,964 219,955,975,932 194,266,643,350 183,708,550,359 Musyarakah 421,758,896,890 413,971,801,737 645,993,211,221 645,035,329,494 Total Financing 1,611,773,371,819 1,914,492,000,000 2,622,023,000,000 3,281,655,000,000 Total Asset 2,193,952,328,077 2,730,026,909,824 3,616,107,512,472 4,343,069,056,830 Zakat - - - - Total Revenue 198,406,443,095 211,711,438,841 283,947,158,188 366,252,305,090 Earning After Tax 10,234,143,192 12,208,835,206 17,297,940,859 19,547,650,105 Qard and Donation - 118,378,785 25,747,800 26,357,540 Employee's Expense 40,147,311,217 42,362,712,377 48,996,791,279 59,737,035,667 Tax paid 4,685,191,954 2,812,884,102 7,056,155,401 7,697,261,025 Directors'Remuneration 4,000,000,000 4,000,000,000 5,941,000,000 5,941,000,000 Employee's Welfare 40,147,311,217 42,362,712,377 48,996,791,279 59,737,035,667 Income Halal 223,566,815,724 245,291,959,145 311,220,062,756 401,502,992,154 Income non-Halal 154,130,941 297,771,520 75,120,336 58,280,920 Total Income 223,720,946,665 245,589,730,665 311,295,183,092 401,561,273,074 Equity 143,565,377,065 255,774,212,271 273,072,153,130 292,619,803,235 Total Expense 208,394,335,576 226,800,086,823 286,865,966,497 374,258,081,025
BANK PANIN SYARIAH Akun 2010 2011 2012 2013 Mudharabah 100,792,296,000 269,582,633,000 517,354,418,000 659,220,249,000 Musyarakah 81,044,446,000 48,662,969,000 229,960,632,000 690,827,368,000 Total Financing 215,970,000,000 705,619,000,000 1,514,448,000,000 2,594,825,000,000 Total Asset 458,713,370,000 1,016,878,719,000 2,136,576,111,000 4,052,700,692,000 Zakat 0 0 0 0 Total Revenue 13,329,219,000 47,867,651,000 94,520,835,000 137,750,153,000 Earning After Tax (7,172,640,000) 9,233,356,000 35,056,812,000 21,332,026,000 Employee's Expense 8,390,191,000 14,956,172,000 19,906,828,000 35,374,636,000 Tax paid 3,350,504,000 3,177,368,000 12,473,185,000 7,829,474,000 Directors'Remuneration 1,972,629,000 3,182,894,000 3,721,682,000 3,884,000,000 Employee's Welfare 8,390,191,000 14,956,172,000 19,906,828,000 35,374,636,000 Income Halal 13,778,003,000 47,978,751,000 94,653,836,000 137,837,081,000 Income non-Halal 0 0 24,997,000 37,000,000 Total Income 13,778,003,000 47,978,751,000 94,678,833,000 137,874,081,000 Equity 143,379,413,000 452,609,519,000 487,666,331,000 525,995,008,000 Total Expense 15,910,956,000 35,568,027,000 45,081,855,000 108,675,581,000
BANK JABAR BANTEN SYARIAH
Akun 2010 2011 2012 2013 Mudharabah 196,444,502,000 200,000,000,000 228,675,189,000 425,306,197,000 Musyarakah 269,607,344,000 640,000,000,000 841,992,972,000 821,829,136,000 Total Financing 1,766,235,000,000 2,958,322,000,000 3,593,760,000,000 Total Asset 1,930,469,000,000 2,849,451,000,000 4,239,448,850,000 4,695,088,075,000 Zakat - - - 3,000,000 Total Revenue 86,310,817,000 161,902,000,000 220,797,995,000 288,822,732,000 Earning After Tax 5,392,867,000 18,395,000,000 (18,180,256,000) 28,315,837,000 Employee's Expense 34,987,000,000 64,417,000,000 74,898,863,000 108,720,885,000 Tax paid 2,303,051,000 7,374,000,000 4,514,595,000 12,254,517,000 Directors'Remuneration 7,251,427,000 8,115,079,000 Employee's Welfare 34,987,000,000 64,417,000,000 74,898,863,000 108,720,885,000 Income Halal 86,310,817,000 162,070,000,000 220,927,338,000 288,822,732,000 Income non-Halal 0 1,000,000 4,000,000 98,000,000 Total Income 86,310,817,000 162,071,000,000 220,931,338,000 288,920,732,000 Equity 505,392,867,000 527,579,000,000 599,442,077,000 627,757,914,000 Total Expense 78,614,899,000 120,649,000,000 243,622,189,000 248,252,376,000
BANK MEGA SYARIAH Akun 2010 2011 2012 2013 Mudharabah 2,861,856,000 1,155,626,000 9,355,000 - Musyarakah 137,391,292,000 66,958,053,000 33,275,692,000 41,907,203,000 Total Financing 3,154,177,000,000 4,094,797,000,000 6,213,570,000,000 7,185,390,000,000 Total Asset 4,637,730,250,000 5,564,662,066,000 8,163,668,180,000 9,121,575,543,000 Zakat 2,162,882,000 1,847,617,000 5,930,742,000 5,121,471,000 Total Revenue 785,788,200,000 823,130,102,000 1,114,804,978,000 1,341,017,205,000 Earning After Tax 62,854,190,000 53,866,660,000 184,871,633,000 149,539,953,000 Qard and Donation 17,226,011,000 6,948,380,000 8,039,892,000 4,838,891,000 Employee's Expense 283,032,585,000 305,364,248,000 320,308,338,000 359,487,130,000 Tax paid 21,498,209,000 18,190,395,000 61,855,941,000 50,197,432,000 Directors'Remuneration 5,139,000,000 5,948,000,000 6,812,000,000 6,431,000,000 Employee's Welfare 283,032,585,000 305,364,248,000 320,308,338,000 359,487,130,000 Income Halal 785,788,200,000 823,130,102,000 1,114,804,978,000 1,359,308,769,000 Income non-Halal 185,256,000 77,000,000 52,531,000 128,909,000 Total Income 785,973,456,000 823,207,102,000 1,114,857,509,000 1,359,437,678,000 Equity 381,774,835,000 435,641,495,000 620,513,128,000 770,053,081,000 Total Expense 699,272,919,000 749,225,429,000 861,751,500,000 1,154,449,490,000
