Statistik Perbankan Syariah Islamic Banking Statistics

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Statistik

Perbankan

Syariah

Islamic Banking Statistics

Direktorat Perbankan Syariah

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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. Persentase 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... 10 The major Earning Assets

Tabel 6. Komposisi Pembiayaan Perbankan Syariah... 10

Composition of Financing

Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi... 11

Financing based on Economic Sector

Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan... 11 Financing based on Type of Use

Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan... 12 Financing based on Type of Financing

Gambar 9. Jumlah Rekeing Pembiayaan... 12 Number of Account Financing

Gambar 10. Persentase Bagi Hasil/Fee/Margin Pembiayaan... 13 Percentage of Profit Sharing/Fee/Margin of Financing

Gambar 11. Komposisi Penggunaan dan Sumber Dana... 14 Composition of Uses and Sources of Fund

Gambar 12. Rincian Surat Berharga... 15 Secutities

Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga... 15 Percentage of Bonus/Profit Sharing Secutities

Gambar 14. Sumber Dana, Pembiayaan, dan FDR ………. ……… 16 Sources of Fund, Financing, and FDR

Gambar 15. Pembiayaan dan PPAP ……….……….. 16 Financing and Provision for Losses (PPAP)

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Tabel 8. Pembiayaan Non Lancar ...………... 17 Non Performing Financings (NPFs)

Gambar 16. Pembiayaan Non Lancar ...………... 17 Non Per forming Financings (NPFs)

Gambar 17. Laba dan Rugi Tahun Berjalan ...………. 18 Current Year Profits and Losses

Gambar 18. Rasio Keuangan ROA dan ROE...……….18 ROA and ROE Financial Ratio

Gambar 19. Layanan Syariah………...………. 19 Office Channeling

Tabel 9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)... 20 Transaction of Islamic Interbank Money Market (PUAS)

Gambar 20. Volume Transaksi PUAS……….. 21 Volume of PUAS Transaction

Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)………. 21 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank ... 22

Islamic Banks’s Share to All Banks

Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank... 22 Islamic Banks’s Share to All Banks

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Tabel 1. Jaringan Kantor

Networking

Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK

Group of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO

Bank Umum Syariah

Islamic Commercial Banks

1. PT Bank Muamalat Indonesia*) 1 43 11 2 80 1 43 10 8 79 1 51 10 9 80

2. PT Bank Syariah Mandiri*) 1 55 43 8 55 1 55 43 8 56 1 57 43 9 69

3. PT Bank Syariah Mega Indonesia 1 4 3 0 0 1 4 3 0 0 1 4 4 0 0

Unit Usaha Syariah

Islamic Banking Unit

1. PT Bank IFI 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

2. PT Bank Negara Indonesia 1 19 18 0 0 1 19 21 0 0 1 22 25 0 0

3. PT Bank Jabar 1 5 0 0 0 1 5 0 0 0 1 5 0 0 0

4. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 0

5. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 0

6. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0

7. PT Bank Internasional Indonesia 1 1 3 0 0 1 1 3 0 0 1 1 3 0 0

8. HSBC, Ltd. 1 0 1 0 0 1 0 1 0 0 1 0 1 0 0 9. PT Bank DKI 1 1 0 0 1 1 1 0 0 3 1 1 0 0 3 10. BPD Riau 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0 11. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0 12. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 0 13. BPD Sumut 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0 14. BPD Aceh 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0 15. Bank Permata 1 3 5 0 0 1 3 5 0 0 1 4 5 0 0

16. Bank Tabungan Negara 1 7 0 0 0 1 7 0 0 0 1 7 0 0 0

17. BPD NTB 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

18. BPD Kalbar 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

19. BPD Sumsel 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

20. BPD Kaltim

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 116 190 109 10 136 118 190 111 16 138 127 204 116 18 152 0 94 0 0 0 0 Mar-06 18 0 0 92 Jun-06 3 102 3 0 19 59 0 0 135 16 3 19 88 56 0 0 96 0 0 Sep-06 57 149 3 112 55 105 57 10 135 19 88 52 0 1 3 102

Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK

Group of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO

Bank Umum Syariah

Islamic Commercial Banks

1. PT Bank Muamalat Indonesia*) 1 51 10 10 82 1 51 10 10 80 1 51 10 10 80

2. PT Bank Syariah Mandiri*) 1 57 43 11 73 1 57 43 11 76 1 57 43 11 82

3. PT Bank Syariah Mega Indonesia 1 4 4 0 0 1 4 4 0 0 1 4 4 0 0

Unit Usaha Syariah

Islamic Banking Unit

1. PT Bank IFI 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

2. PT Bank Negara Indonesia 1 22 25 0 0 1 23 25 0 0 1 24 25 0 0

3. PT Bank Jabar 1 5 0 0 0 1 5 0 0 0 1 5 0 0 0

4. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 0

5. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 0

6. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0

7. PT Bank Internasional Indonesia 1 1 3 0 0 1 1 3 0 0 1 1 3 0 0

8. HSBC, Ltd. 1 0 1 0 0 1 0 1 0 0 1 0 1 0 0 9. PT Bank DKI 1 1 0 0 4 1 1 0 0 4 1 1 0 0 5 10. BPD Riau 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0 11. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0 12. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 0 13. BPD Sumut 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0 14. BPD Aceh 1 1 0 0 2 1 1 0 0 2 1 1 0 0 2 15. Bank Permata 1 5 5 0 0 1 5 5 0 0 1 5 5 0 0

16. Bank Tabungan Negara 1 7 0 0 0 1 9 0 0 0 1 9 0 0 0

17. BPD NTB 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

18. BPD Kalbar 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

19. BPD Sumsel 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

20. BPD Kaltim 1 1 0 0 0 1 1 0 0 0

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 127 205 116 21 161 128 209 116 21 162 128 210 116 21 169

*) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO)

57 21 162 Jan-07 3 0 20 98 59 0 7 0 0 0 105 0 0 0 0 105 0 156 6 21 ₁₁₂ 112 57 3 Dec-06 20 97 59 105 0 0 0 59 0 0 Nov-06 6 3 112 57 21 155 19 93 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)

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

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Tabel 2. Aset (Juta Rupiah)

Assets (Million IDRs)

KETERANGAN Mar-06 Jun-06 Sep-06 Nov-06 Dec-06 Jan-07

ITEMS

1. Kas 240,232 255,162 296,707 320,067 346,114 381,095

Cash

2. Penempatan pada BI 2,091,496 2,236,101 2,234,167 2,804,821 3,640,734 4,035,892

Placement at Bank Indonesia

3. Penempatan pada bank lain 956,785 832,120 901,533 771,929 991,377 991,005

Inter-bank assets

4. Pembiayaan yang diberikan 15,996,948 18,162,126 19,662,542 20,391,420 20,444,907 20,218,546

Financing extended

5. Penyertaan 5,660 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) (528,450)

Allowances for earning assets losses (PPAP)

7. Aktiva tetap dan investaris 251,334 254,131 260,844 262,366 270,397 270,905

Fixed assets and inventory

8. Rupa-rupa aktiva 1,360,425 1,383,974 1,455,442 1,488,323 1,495,482 1,559,655

Other assets

J U M L A H 20,545,995 22,700,820 24,313,155 25,488,349 26,722,030 26,948,764

TOTAL ASSETS

*) Meliputi data Bank Umum Syariah dan Unit Usaha Syariah (tidak termasuk BPR Syariah)

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Tabel 3. Kewajiban dan Modal (Juta Rupiah)

Liabilities and Equity (Miliion IDRs)

KETERANGAN Mar-06 Jun-06 Sep-06 Nov-06 Dec-06 Jan-07

ITEMS 1. Giro wadiah 2,257,372 2,657,588 2,747,786 2,846,804 3,415,747 3,277,229 Wadiah-current accounts 2. Tabungan mudharabah 4,501,201 4,971,785 5,604,591 5,844,672 6,430,355 6,574,048 Mudharabah-saving accounts 3. Deposito mudharabah 8,197,133 8,803,355 9,623,131 10,655,678 10,826,079 10,663,216 Mudharabah-investment accounts 4. Kewajiban terhadap BI 32,397 32,366 32,346 32,324 32,319 32,317

Liabilities to Bank Indonesia

5. Kewajiban kepada bank lain 842,780 1,186,126 1,125,800 841,354 873,991 1,017,536

Inter-bank liabilities

6. Pembiayaan yang diterima 194,790 190,439 185,387 185,786 180,625 181,326

Received Financing

7. Kewajiban lainnya 210,618 272,383 278,014 290,513 284,938 368,551

Other payables

8. Setoran jaminan 24,534 21,414 19,425 20,851 25,126 24,655

Guarantee deposits

9. Antar Kantor Bersih 2,322,837 2,666,960 2,652,489 2,597,150 2,365,712 2,400,556

Interoffice net

10. Rupa-rupa pasiva 398,398 396,018 411,424 413,808 460,790 555,800

Other liabilities

11. Modal disetor 951,224 951,224 951,224 991,224 991,224 991,224

Paid-in capital

12. Perkiraan tambahan modal disetor 132,498 951,224 951,224 991,224 991,224 991,224

Additional paid-in capital account

13. Cadangan 230,112 268,043 268,040 268,040 268,040 252,553 Reserves 14. Laba/rugi 250,101 140,621 236,889 347,963 382,503 452,859 Profit/Loss a. Tahun-tahun lalu 168,195 (24,513) (24,548) 27,456 27,456 379,346 Previous years i. Laba 271,165 78,150 78,115 78,115 78,115 391,216 Profit ii. Rugi -/- (102,970) (102,663) (102,663) (50,659) (50,659) (11,870) Loss b. Tahun berjalan 81,906 165,134 261,437 320,507 355,047 73,513 Current year i. Laba 185,074 386,212 618,394 773,838 814,598 118,000 Profit ii. Rugi -/- (103,168) (221,078) (356,957) (453,331) (459,551) (44,487) Loss J U M L A H 20,545,995 22,700,820 24,313,155 25,488,349 26,722,030 26,948,764

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Tabel 4. Laba / Rugi (Juta Rupiah)

Income Statement (Miliion IDRs)

Mar-06 Jun-06 Sep-06 Nov-06 Dec-06 Jan-07

I. Pendapatan Operasional 682,635 1,534,646 2,383,985 3,033,198 3,372,807 314,494

Operations Income

A. Pendapatan dari Penyaluran Dana 628,074 1,406,267 2,169,240 2,780,703 3,084,714 288,002

Income from Fund Disbursements

1. Pihak Ketiga Bukan Bank 586,568 1,317,741 2,062,666 2,651,779 2,941,373 269,027

From Third Party Non Banks

2. Bank Indonesia 22,491 38,766 51,349 61,369 71,307 13,333

From Bank Indonesia

3. Bank-bank lain 19,015 49,760 55,225 67,555 72,034 5,642

From Other Banks

B. Pendapatan Operasional Lainnya 54,561 128,379 214,745 252,495 288,093 26,492

Other Operations Income

1. Jasa Investasi Terikat 2,698 4,754 7,952 9,839 10,798 1,092

Restricted Investment Services

2. Jasa layanan 11,231 26,944 47,041 60,683 69,573 7,101

Fee Based Income

3. Pendapatan dari transaksi valuta asing 340 714 1,331 2,048 3,404 296

Income from Foreign Exchange Transaction

4. Koreksi PPAP 9,433 25,909 34,728 37,451 44,951 6,477

Provision for Losses Correction

5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 22 51 59 89 3,126 34

Correction of Provision for Losses Administrative Statement Transaction

6. Lainnya 30,837 70,007 123,634 142,385 156,241 11,492

Others

II. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (293,597) (604,497) (950,876) (1,186,637) (1,305,700) (118,701)

Profit Sharing for Unrestricted Investment

1. Pihak ketiga bukan bank 286,048 588,722 918,042 1,149,748 1,269,765 116,202

From Third Party Non Banks

2. Bank Indonesia 0 0 0 0 0 0

From Bank Indonesia

3. Bank-bank lain 7,549 15,775 32,834 36,889 35,935 2,499

From Other Banks

III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Tidak Terikat1,446,314 1,446,314 1,446,314 1,446,314 1,446,314 1,446,314

Distribution Income after Distribution Income For Unrestricted Investment Investor

IV. Beban Operasional 290,188 727,268 1,114,123 1,451,192 1,586,836 115,445

Operations Expenses

A. Beban Bonus titipan wadiah 11,799 22,331 37,430 51,087 58,488 5,713

Bonus Wadiah Deposit Expense

B. Beban transaksi valuta asing 46 58 44 46 46 0

Foreign Exchange Transaction Expense

C. Biaya Perbaikan Aktiva Ijarah 0 0 0 0 0 0

Ijarah Assets Recovery Cost

D. Premi 8,332 16,592 25,948 32,799 36,967 2,602

Premium

E. Tenaga kerja 83,437 182,601 286,036 397,682 438,628 36,947

Labour

F. Pendidikan dan pelatihan 3,040 7,351 13,887 16,962 19,248 858

Education and Training

G. Penelitian dan pengembangan 254 513 741 837 985 43

Research and Development

H. Sewa 21,364 46,906 70,015 91,259 102,165 8,159

Leasing

I. Promosi 17,469 39,586 62,662 79,160 89,856 7,371

Promotion

J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 782 1,539 2,231 2,744 3,104 278

Taxs

K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 6,102 12,662 20,718 26,907 31,087 2,367

Maintenance and Recovery Fixed Assets and Inventory

L. Penyusutan/Penyisihan/amortisasi/penghapusan 78,224 266,597 389,069 525,790 542,876 32,812

Depreciation/provision/amortization/write-off

M Penurunan nilai surat berharga 0 0 83 228 379 12

Decrease in Value of Securities

N. Lainnya 59,339 130,532 205,259 225,691 263,007 18,283

Others

Laba Operasional 98,850 202,881 318,986 395,369 480,271 80,348

Operation Profit

Pendapatan Non Operasional 174,538 358,896 587,009 748,530 837,765 98,488

Non Operations Income

Beban Non Operasional 183,981 386,182 629,801 802,642 903,986 95,477

Non Operations Expenses

Laba Non Operasional (9,443) (27,286) (42,792) (54,112) (66,221) 3,011

Non Operations Profit

Laba Tahun Berjalan 89,407 175,595 276,194 341,257 414,050 83,359

Current Profit/Loss

Laba (setelah taksiran pajak penghasilan) 81,894 165,027 261,437 320,507 355,047 73,513

Profit After Calculations of Income Tax

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Gambar 1. Perkembangan Aset

Growth of Assets 0.71% 3.13% 3.06% 3.65% 3.12% 2.65% 1.73% 4.84% 3.85% 0.42% -0.61% -1.41% 0.85% 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00 24.00 26.00 28.00

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

Triliun Rupiah (Trillion IDRs)

-2% -1% 0% 1% 2% 3% 4% 5% 6% Aset (Assets)

Perkembangan Aset (Assets Growth)

Gambar 2. Sumber Dana

Source of Fund 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00

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 Triliun Rupiah (Trillion IDRs)

Pembiayaan yang diterima (Received financing) Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Giro Wadiah (Wadiah-cur. acc.)

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Tabel 5. Komposisi Dana Pihak Ketiga (Juta Rupiah)

Composition of Deposits (Million IDRs)

Giro Wadiah Nilai (Amount) 2,257,372 2,657,588 2,747,786 2,846,804 3,415,747 3,277,229

Wadiah currency account Pangsa (Share) 15.09% 16.17% 15.29% 14.71% 16.52% 15.98%

Tabungan Mudharabah Nilai (Amount) 4,501,201 4,971,785 5,604,591 5,844,672 6,430,355 6,574,048

Mudharabah saving account 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 17,975,508 19,347,154 20,672,181 20,514,493 Dec-06 Nov-06 Sep-06 Jun-06 Mar-06 Total DANA PIHAK KETIGA

DEPOSIT FUND Jan-07

Gambar 3. Jumlah Rekening Dana Pihak Ketiga

Number of Account Deposit s

0 500,000 1,000,000 1,500,000 2,000,000 2,500,000

Giro wadiah (Wadiah Curr. Acc)

Deposito Mudharabah (Mudharabah Inv. Acc.) Tabungan Mudharabah (Mudharabah Sav. Acc.)

Giro wadiah (Wadiah Curr. Acc) 26,590 27,718 29,201 29,201 30,734 35,019 33,466 31,609 32,758 33,477 35,970 34,499 35,399 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 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

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Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga

Percentage of Profit Sharing Deposits

0 2 4 6 8 10 12 ( % )

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 1.12 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 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 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 5. Komposisi Deposito Mudarabah

Composition of Mudharabah Investment Account

49.46% 18.20% 11.78% 20.06% 0.01% 0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 1 Bulan (Month) 3 bulan (Months) 6 bulan (Months) 12 bulan (Months) diatas 12 bulan (ab. 12 Months)

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Gambar 6. Aktiva Produktif Utama

The Major Earning Assets

0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00 24.00 26.00 28.00

Triliun Rupiah (Trillion IDRs) Penyertaan (Eq. participation) Pembiayaan yang diberikan (Fin. extended) Penempatan pada bank lain (Inter bk assets) Penempatan pada BI (Plcment at BI)

Tabel 6. Komposisi Pembiayaan (Juta Rupiah)

Composition of Financing (Million IDRs)

Pembiayaan Musyarakah 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%

Pembiayaan Mudharabah Nilai (Amount) 3,208,905 3,560,848 3,842,979 3,966,193 4,062,200 4,006,756

Mudharabah Financing Pangsa (Share) 20.06% 19.61% 19.54% 19.45% 19.87% 19.82%

Piutang Murabahah Nilai (Amount) 9,981,242 11,778,333 12,449,101 12,857,789 12,624,241 12,487,025

Murabahah Receivable Pangsa (Share) 62.39% 64.85% 63.31% 63.05% 61.75% 61.76%

Piutang Salam Nilai (Amount) - - -

-Salam Receivable Pangsa (Share) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Piutang Istishna' Nilai (Amount) 289,179 293,359 303,440 346,185 336,970 339,639

Istishna' Receivable Pangsa (Share) 1.81% 1.62% 1.54% 1.70% 1.65% 1.68%

Lainnya Nilai (Amount) 512,102 430,464 731,005 893,561 1,086,745 1,112,986

Others 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 Total

RINCIAN PEMBIAYAAN YANG DIBERIKAN

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Tabel 7 . Pembiayaan Berdasarkan Sektor Ekonomi (Juta Rupiah)

Financing based on Economic Sector (Million IDRs)

Pertanian, kehutanan dan sarana pertanian 735,353 734,205 724,068 701,044 706,150

Agriculture, forestry and agricultural facilities 3.74% 3.66% 3.56% 3.43% 3.49%

Pertambangan 724,125 506,012 514,870 374,581 324,494

Mining 3.68% 2.52% 2.53% 1.83% 1.60%

Perindustrian 1,043,957 1,006,230 996,702 939,713 918,738

Manufacturing 5.31% 5.02% 4.90% 4.60% 4.54%

Listrik, gas dan air 90,815 54,113 51,068 17,158 6,651

Water, gas and electricity 0.46% 0.27% 0.25% 0.08% 0.03%

Konstruksi 1,917,401 1,869,849 1,837,927 1,637,027 1,493,829

Constuction 9.75% 9.33% 9.03% 8.01% 7.39%

Perdagangan, restoran dan hotel 2,551,781 2,704,257 2,940,605 3,041,050 3,775,331

Trade, restaurants and hotels 12.98% 13.49% 14.45% 14.87% 18.67%

Pengangkutan, pergudangan dan komunikasi 1,331,252 1,246,075 1,192,689 1,165,429 1,185,529

Transport, cargo storage and commnucation 6.77% 6.21% 5.86% 5.70% 5.86%

Jasa dunia usaha 5,074,300 5,270,985 5,244,418 5,457,711 5,263,558

Business Services 25.81% 26.29% 25.77% 26.69% 26.03% Jasa sosial/masyarakat 1,402,699 1,497,662 1,519,482 1,456,391 1,380,511 Social Services 7.13% 7.47% 7.47% 7.12% 6.83% Lain-lain 4,790,859 5,161,856 5,332,851 5,654,803 5,163,755 Others 24.37% 25.74% 26.20% 27.66% 25.54% 19,662,542 20,051,244 20,354,680 20,444,907 20,218,546 ECONOMIC SECTOR SEKTOR EKONOMI Dec-06 Nov-06

Sep-06 Oct-06 Jan-07

Total

Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan

Financing based On Type of Use

10.82 10.41 10.66 10.45 10.33 9.99 9.65 9.62 9.19 8.65 8.17 7.80 7.73 4.23 4.37 4.39 4.46 4.53 4.88 4.89 4.88 4.64 4.52 4.56 4.33 4.21 5.17 5.67 5.34 5.17 4.17 3.98 3.66 3.53 3.42 3.27 3.26 3.11 4.80 0.00 2.00 4.00 6.00 8.00 10.00 12.00

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 Triliun Rp (Trillion IDRs)

Modal Kerja (Working Capital) Investasi (Investment) Konsumsi (Consumption)

(13)

Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan

Financing based on Type of Financing

10.09 4.97 14.58 14.87 14.59 14.43 13.74 12.94 12.61 12.22 11.56 11.31 10.72 10.28 5.64 5.57 5.80 5.66 5.92 6.09 5.91 5.95 5.81 5.28 5.28 5.11 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00

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 Triliun Rp (Trilion IDRs)

UKM (Small and Medium Business) Non UKM (Small and Medium Business)

Gambar 9. Jumlah Rekening Pembiayaan

Number of Account Financing

0 100,000 200,000 300,000 400,000 500,000 600,000 Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others) Pembiayaan (Financing) 18,624 18,863 19,848 19,196 18,129 15,162 15,583 16,188 16,712 17,181 17,549 17,991 18,120 Piutang (Receivable) 132,488 141,743 152,352 161,143 174,559 194,745 215,758 237,728 263,233 524,913 557,281 353,673 372,616 Lain-lain (Others) 131 135 139 146 156 153 151 222 317 399 412 445 486

(14)

Gambar 10. Persentase B agi Hasil/Fee/Margin Pembiayaan

Percentage o f Profit Sharing/Fee/Margin of

Financing

-2 0 2 4 6 8 10 12 14 16 (%) Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others) 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 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

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Gambar 11. Komposisi Penggunaan dan Sumber Dana

Composition of Uses and Source of Fund

Jan-2007

16% 80% 0% 4%

Dec-2006

12% 85% 0% 3%

Nov-2006

12% 85% 0% 3% Penempatan pada BI (Plcment at BI) Penempatan pada bank lain (Inter bk assets) Pembiayaan yang diberikan (Fin. extended) Penyertaan (Eq. participation)

Nov-2006

15%

54%

1%

30%

Giro Wadiah (Wadiah-cur. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.) Deposito Mudharabah (Mudharabah-inv. acc.) Pembiayaan yang diterima (Received financing)

Jan-2007

16% 51% 1% 32%

Dec-2006

16% 52% 1% 31%

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Gambar 12. Rincian Beberapa Surat Berharga

(Securities)

0.00 5.00 10.00 15.00 20.00 25.00 30.00 35.00 (%)

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 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 13. Persentase Bonus/Bagi Hasil Surat Berharga

Percentage of Bonus/Profit Sharing Securities

0.00 0.50 1.00 1.50 2.00 2.50 3.00

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 Triliun Rp (Trilion IDRs)

SWBI

Sertifikat IMA (IMA Certificate) Obligasi Syariah (Sharia Obligations) Surat Berharga yang dimiliki (Securities)

(17)

Gambar 14. Sumber Dana, Pembiayaan, dan FDR

Source of Fund, Financing, and FDR

98.56% 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00

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 Triliun Rupiah (Trillion

IDRs)

50% 100% 150% Pembiayaan yang diberikan (Fin. extended)

Dana Pihak Ketiga (Deposit Fund) FDR (Financing to Deposit Ratio)

Gambar 15. Pembiayaan dan PPAP

(18)

0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00

Triliun Rupiah (Trillion IDRs)

Pembiayaan yang diberikan (Fin. extended) Provision for Losses (PPAP)

(19)

Tabel 8. Pembiayaan Non Lancar

Non Performing Financings (NPFs)*) (Miliion IDRs)

Lancar Nilai (Amount) 14,363,021 16,605,281 17,685,310 18,349,600 18,582,911 18,134,616

Current Pangsa (Share) 89.79% 91.43% 89.94% 89.99% 90.89% 89.69%

Dalam Perhatian Khusus 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%

Kurang Lancar 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%

Diragukan 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%

Macet 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%

15,996,948 18,162,126 19,662,542 20,391,420 20,444,907 20,218,546 683,629 767,537 1,007,870 1,067,887 971,216 1,045,593 4.27% 4.23% 5.13% 5.24% 4.75% 5.17% Percentage of NPFs KOLEKTIBILITAS PEMBIAYAAN

Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5)

COLLECTIBILITY OF FINANCING Mar-06 Jun-06 Sep-06 Nov-06 Dec-06 Jan-07

*) 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)

0.87 0.97 1.02 0.77 1.01 0.66 0.73 1.07 0.97 0.68 0.61 0.53 1.05 3.54% 5.17% 4.75% 5.24% 5.07% 5.13% 5.08% 4.71% 4.23% 4.19% 3.99% 4.27% 3.97% 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00 24.00 26.00 28.00

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 Triliun Rupiah (Trillion IDRs)

0% 1% 2% 3% 4% 5% 6% Total Financing Nominal NPFs (Coll. 3-5) Percentage of NPFs

(20)

Gambar 17. Laba dan Rugi Tahun Berjalan

Current Year Profits and Losses

70.52 -39.19 134.94 -71.51 185.07 -103.17 248.49 -143.47 315.86 -176.42 386.21 -221.08 470.73 -269.00 537.74 -313.96 618.39 -356.96 693.39 -413.58 773.84 -453.33 814.60 -459.55 118.00 -44.49 -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)

Laba tahun berjalan (Current year profit)

Rugi tahun berjalan (Current year losses)

Gambar 17. Rasio Keuangan ROA dan ROE

ROA and ROE Financial Ratio

1.40% 1.32% 1.55% 1.44% 1.38% 1.41% 1.38% 1.51% 1.43% 1.41% 1.39% 1.47% 1.69% 33.82% 31.56% 41.18% 36.94% 30.03% 31.29% 31.46% 29.18% 28.09% 26.34% 31.49% 28.04% 27.60% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 1.60% 1.80%

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 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% ROA ROE

(21)

Gambar 18. Layanan Syariah

Office Channeling 0 50 100 150 200 250 300 350 400 450 500

Mar'06 Apr-07 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07

jumlah kantor (number of offices)

0 20,000 40,000 60,000 80,000 100,000 120,000 140,000 Miliar Rp (Billion IDRs)

Jumlah Kantor (Number of Offices) Dana Pihak Ketiga (Deposits)

(22)

Tabel 9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)

Transaction of Islamic Interbank Money Market (PUAS)

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) 2007 2-Jan-07 30,000 15.6700 54.00 7 7.6456 14,200 18.9632 30.00 1 7.6456 5,000 15.6700 53.00 7 7.6456 3-Jan-07 12,000 15.6700 52.00 2 8.1484 4-Jan-07 - - - - -5-Jan-07 - - - - -8-Jan-07 8,500 15.6700 52.00 3 7.8391 4,000 16.0600 40.00 2 7.8391 6,000 11.9100 50.50 1 7.8391 30,000 15.6700 53.00 7 7.8391 9-Jan-07 15,000 15.6700 53.00 7 7.7117 2,000 15.6700 52.00 3 7.7117 15,000 15.6700 53.00 7 7.7117 10-Jan-07 1,200 15.6700 52.00 2 7.1177 2,000 11.9100 54.57 2 7.1177 11-Jan-07 10,000 15.6700 53.00 7 7.8884 3,000 11.9100 54.57 1 7.8884 12-Jan-07 20,000 12.4900 57.00 4 7.1487 750 16.0600 45.00 5 7.1487 15-Jan-07 2,500 15.6700 53.00 7 8.3051 35,000 15.6700 53.00 7 8.3051 16-Jan-07 6,500 15.6700 53.00 7 7.4130 11,000 18.9632 25.00 1 7.4130 4,700 15.6700 53.00 7 7.4130 1,750 15.6700 53.00 7 7.4130 15,000 15.6700 53.00 7 7.4130 5,000 15.6700 53.00 7 7.4130 17-Jan-07 5,000 18.9632 25.00 1 4.8575 8,000 18.9632 26.00 1 4.8575 18-Jan-07 17,900 18.9632 25.00 1 5.7327 4,000 15.6700 50.00 1 5.7327 5,000 15.6700 50.00 1 5.7327 5,000 18.9632 29.00 1 5.7327 19-Jan-07 16,000 18.9632 26.00 3 5.5229 3,700 15.6700 52.00 5 5.5229 10,000 18.9632 29.00 3 5.5229 22-Jan-07 15,000 18.9632 29.00 2 5.4908 12,200 18.9632 26.00 1 6.4908 4,500 15.6700 52.00 2 6.4908 25,000 18.9632 29.00 1 6.4908 2,400 12.4900 57.00 1 6.4908 30,000 15.6700 52.00 2 6.4908 23-Jan-07 8,000 18.9632 31.60 7 6.2222 6,000 18.9632 26.00 1 6.2222 5,000 15.6700 52.00 2 6.2222 24-Jan-07 13,600 18.9632 26.00 1 6.6749 5,000 18.9632 26.00 1 6.6749 15,000 15.6700 52.00 6 6.6749 25-Jan-07 12,000 18.9632 26.00 1 6.4437 5,000 15.6700 56.00 29 6.4437 1,000 11.9100 46.18 1 6.4437 26-Jan-07 1,000 9.1900 70.00 3 6.5295 12,000 18.9632 26.00 3 6.5295 4,000 15.6700 52.00 4 6.5295 8,000 15.6700 53.00 7 6.5295 5,000 11.9100 52.48 7 6.5295 29-Jan-07 13,800 18.9632 26.00 1 6.0490 25,000 18.9632 27.70 1 6.0490 15,000 15.6700 53.00 7 6.0490 30-Jan-07 5,000 15.6700 53.00 7 8.3051 13,000 15.6700 53.00 7 8.3051 31-Jan-07 7,500 15.6700 50.00 1 8.0701 7,500 15.6700 53.00 7 8.0701

Period Volume of Transaction _{(Million IDRs)} Maturity (Days) Indication Rate of Return PUAS = Weighted Average _{Indication Rate of Return of IMA Certificate (%)}

Periode Volume Transaksi (Juta _Rupiah) Tingkat Indikasi Imbalan Sertifikat IMA (%) Jangka Waktu _(hari) Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt _{Indikasi Imbalan Sertifikat IMA (%)}

(23)

Gambar 19. Volume Transaksi PUAS

Volume of PUAS Transaction

0 500 1,000 1,500 2,000 2,500

Miliar Rp (Bilion IDRs)

Volume of PUAS Transaction

Volume of PUAS Transaction 578.8 724.7 845.25 1016.5 1487.7 1556.9 1084.8 1506.5 2288.9 700.8 689.8 761.6 764.45 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 20. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)

Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

-500 1,000 1,500 2,000 2,500 3,000 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% Outstanding SWBI/Aset Outstanding 2,156 1,696 1,148 1,171 1,092 1,188 871.5 1,117 1,046 1,190 1,547 2,357 2663.4 SWBI/Aset 10.47% 8.29% 5.59% 5.55% 4.98% 5.23% 3.81% 4.74% 4.30% 4.75% 6.07% 8.82% 9.88% 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

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Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2006)

Islamic Banks’s Share to All Banks (position November 2006)

Nominal

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*)**

_98.90%

_61.56%

NPF

S

/NPL

S

*)

_4.75%

_6.07%

Islamic Banks

Total Banks

*) 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)

0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% Total Assets Deposit Fund Financing extended Total Assets 1.42% 1.40% 1.40% 1.40% 1.44% 1.45% 1.49% 1.51% 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% Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06