i
Statistik Perbankan Syariah
(Islamic Banking Statistics)
i
Statistik Perbankan Syariah (SPS)
merupakan media publikasi yang menyediakan
informasi mengenai data perbankan syariah di
Indonesia. Statistik ini diterbitkan setiap bulan
oleh Direktorat Perbankan Syariah - Bank
Indonesia dan disusun untuk memenuhi
kebutuhan
intern
Bank
Indonesia
dan
kebutuhan pihak ekstern mengenai kegiatan
perbankan syariah beserta perkembangannya.
Guna memberikan pemahaman yang
tepat terhadap data yang disajikan, kami
sarankan agar pembaca terlebih dahulu
memahami penjelasan, singkatan serta daftar
istilah yang ada.
Kami mengharapkan agar data yang
disajikan dapat memberikan manfaat yang
optimal bagi pembaca. Apabila pembaca ingin
menyampaikan pertanyaan atau masukan,
silakan menghubungi kami melalui email:
TimInformasiPerbankanSyariah@bi.go.id
Direktorat Perbankan Syariah
BANK INDONESIA
The Islamic Banking Statistics is a
media publication that provides information
regarding the Islamic Banking Industry in
Indonesia.
This
monthly
publication
is
published by the Directorate of Islamic Banking,
Bank Indonesia, to accomodate the needs of
the stakeholders.
In order to get a better understanding
about the data presented in this publication,
we suggest that the readers go through the
clarification, abbreviations and glossary.
We hope that this publication gives
benefit to our readers.
For questions or suggestions, kindly send email
to:
TimInformasiPerbankanSyariah@bi.go.id
Directorate of Islamic Banking
BANK INDONESIA
ii
DAFTAR ISI
CONTENTS
page
Kata Pengantar ……….
i
Foreword
Daftar Isi ……….
ii
Contents
Penjelasan ……….
v
Clarification
Daftar Singkatan ………
vi
Abbreviations
Daftar Istilah ……….
vii
Glossary
Tab. 1
Jaringan Kantor Perbankan Syariah (Islamic Banking Network) ...…..………...
1
Tab 2
Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)……
2
Tab 3
Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of
Islamic Rural Bank based on Location) ...
3
Tab. 4
Layanan Syariah (Office Channeling) ...
4
Tab. 5
Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ...
5
Tab. 6
Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial
Bank dan Islamic Business Unit Condensed Balance Sheet) ...
6
Tab. 7
Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed
Balance Sheet) ...
7
Tab. 8
Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic
Commercial Bank dan Islamic Business Unit Condensed Income Statement) ...
8
Tab. 9
Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank
Condensed Income Statement)...
9
Tab. 10
Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha
Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank and
Islamic Business Unit) ...
10
Tab. 11
Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of
Promotion, Education and Training - Islamic Rural Bank)...
11
Tab. 12
Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance
Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)………...
12
Tab. 13
Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet
Account - Islamic Rural Bank )...
13
Tab. 14
Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds
Composition of Islamic Commercial Bank and Islamic Business Unit) ...
14
Tab. 15
Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of
Islamic Rural Bank) ...
15
Tab. 16
Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah
(Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)...
16
Tab. 17
Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment
in Securities of Islamic Commercial Bank and Islamic Business Unit) ...
17
Tab. 18
Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
(Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ...
18
Tab. 19
Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing
page
iii
Composition of Islamic Rural Bank) ...
19
Tab. 20
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor
Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on
Economic Sector) ...
20
Tab. 21
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi
(Financing of Islamic Rural Bank based on Economic Sector) ………...
21
Tab. 22
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis
Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Type of Usage) ...
22
Tab. 23
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
(Financing of Islamic Rural Bank based on Type of Usage)……….
23
Tab. 24
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan
Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Type of Financing) ……….
24
Tab. 25
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan
(Financing of Islamic Rural Bank based on Type of Financing) ………...
25
Tab. 26
Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas
Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based
on Collectibility)………...
26
Tab. 27
Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan
(Financing of Islamic Rural Bank based on Collectibility) ………...
27
Tab. 28
Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan
Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic
Business Unit based on Economic Sector) ………...………...
28
Tab. 29
Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor
Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic
Sector)………...
29
Tab. 30
Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan
Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic
Business Unit based on Type of Usage) ...
30
Tab. 31
Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis
Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of
Usage) ...
31
Tab. 32
Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan
Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and
Islamic Business Unit based on Type of Financing) ………...…
32
Tab. 33
Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan
Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of
Financing) ...
33
Tab. 34
Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of
Islamic Commercial Bank and Islamic Business Unit) ...
34
Tab. 35
Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural
Bank) ...
35
Tab. 36
Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha
Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial
Bank and Islamic Business Unit) ...
36
Tab. 37
Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah
(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) ...
37
Tab. 38
Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of
Islamic Commercial Bank and Islamic Business Unit)...
38
Tab. 39
Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural
iv
Bank)...
39
Tab. 40
Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic
Rural Bank based on Total Assets) ...
40
Tab. 41
Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)…
41
Tab. 42
Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA
Certificate) ...
42
Tab. 43
Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah
dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing,
Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and
Islamic Business Unit based on Province)...
43
Tab. 44
Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan
Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor
Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on
Province)...
44
Tab. 45
Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor
Ekonomi dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit
based on Economic Sector and Province)...
45
Tab. 46
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan
Propinsi (Financing of Islamic Rural Bank based on Economic Sector and
Province)...
46
Tab. 47
Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis
Penggunaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business
Unit based on Type of Usage and Province)...
47
Tab. 48
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan
dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)...
48
Tab. 49
Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan
Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic
Business Unit based on Type of Financing and Province)...
49
Tab. 50
Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan
Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of
Financing and Province)...
50
Tab. 51
Total Pembiayaan, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha
Syariah berdasarkan Kota/Kabupaten (Financing, Depositor Funds and percentage of
FDR - Islamic Commercial Bank and Islamic Business Unit based on
City/District)………...
51
Grafik 1
Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds
and Financing - Islamic Commercial Bank and Islamic Business Unit) ………...…
52
Grafik 2
Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and
Financing - Islamic Rural Bank) …….………...
53
Grafik 3
FDR dan Pertumbuhan Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah
(FDR and Growth of Assets, Depositor Funds, Financing - Islamic Commercial Bank and
Islamic Business Unit ) ………...
54
Grafik 4
FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and
Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) ……...
55
Graph 5
Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic
Commercial Bank and Islamic Business Unit) ....……….………
56
Grafik 6
Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank).. 57
Graph 7
Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds -
v
Grafik 8
Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic
Rural Bank)...
59
Grafik 9
Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of
Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)...
60
Grafik 10 Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and
NPF – Islamic Rural Bank)...
61
Grafik 11 Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah (Trend
of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit)...
62
Grafik 12 Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO,
vi
1.
Data yang digunakan dalam SPS bersumber
dari Laporan Bulanan Bank Umum Syariah
(LBUS)
dan
Laporan
Bulanan
Bank
Pembiayaan Rakyat Syariah (LapBul BPRS)
kecuali dinyatakan lain.
2.
Data Non Performing yang ditampilkan
merupakan Non Performing gross yaitu tanpa
memperhitungkan penyisihan yang dibentuk
untuk mengantisipasi risiko kerugian.
3.
Proses download data.
Data LBUS dan LapBul BPRS yang disampaikan
bank pelapor kepada Bank Indonesia diproses
pada server web LBUS dan LapBul BPRS.
Perbedaan waktu proses data LBUS dan
LapBul BPRS dapat menyebabkan perbedaan
antara data yang dipublikasikan dalam SPS
dengan publikasi yang lain. Oleh karena itu
pembaca dihimbau memperhatikan waktu
proses data. Pemrosesan data SPS bulan
Februari 2010 dilakukan pada tanggal 22
Maret 2010.
4.
Publikasi buku Statistik Perbankan Syariah
dapat dilihat melalui website Bank Indonesia
www.bi.go.id
.
1. The data presented in the Islamic Banking
Statistics is derived from the Islamic Bank and
Islamic Rural Bank Monthly Reports unless
mentioned otherwise.
2. Non Performing Financing data is shown as
the gross non performing financing that is
without taking into account the reserve
formed in anticipation of the risk of losses.
3. Data downloading process.
Data of the Islamic Bank and Islamic Rural
Bank Monthly Report is submitted by
reporting banks to Bank Indonesia and is
processed on the web server. The difference
in the processing time may result in variations
of the data published in this Islamic Banking
Statistics compared to other published data.
Therefore, readers are recommended to take
notice of the data processing time. The data
processing time of the February 2010 Islamic
Banking Statistics is on March 22, 2010.
4. The Islamic Banking Statistics can be viewed
vii
UUS
:
Unit Usaha Syariah
BUS
:
Bank Umum Syariah
BPRS
:
Bank Pembiayaan Rakyat Syariah
PT
:
Perseroan Terbatas
BPD
:
Bank Pembangunan Daerah
SWBI
:
Sertifikat Wadiah Bank Indonesia
SBIS
:
Sertifikat Bank Indonesia Syariah
UKM
:
Usaha Kecil dan Menengah
PPAP
:
Penyisihan Penghapusan Aktiva
Produktif
PUAS
:
Pasar Uang Antar Bank berdasarkan
prinsip Syariah
FDR
:
Financing to Deposit Ratio, yaitu
rasio pembiayaan terhadap dana
pihak ketiga
NPF
:
Non Performing Financing, yaitu
rasio pembiayaan bermasalah
terhadap total pembiayan
ROA
:
Return on Assets, yaitu rasio laba
sebelum pajak (disetahunkan)
terhadap total asset rata-rata
ROE
:
Return on Equity, yaitu rasio laba
setelah pajak (disetahunkan)
terhadap total modal rata-rata
BOPO
:
Rasio Biaya Operasional terhadap
Pendapatan Operasional
DPK
:
Dana Pihak Ketiga
PYD
:
Pembiayaan yang Diberikan
UUS
:
Islamic Business Unit of a
Conventional Bank
BUS
:
Islamic Commercial Bank
BPRS
:
Islamic Rural Bank
PT
:
Limited Liabilities Company
BPD
:
Regional Government Bank
SWBI
:
Wadiah Islamic Certificate of Bank
Indonesia
SBIS
:
Islamic Certificate of Bank
Indonesia
UKM
:
Small and Medium Scale Enterprise
PPAP
:
Allowances for Earning Assets
Losses
PUAS
:
Interbank Islamic Money Market
FDR
:
Financing to Deposit Ratio
NPF
:
Non Performing Financing
ROA
:
Return on Assets, that is the ratio of
annualized earnings before taxes to
average assets
ROE
:
Return on Equity, that is the ratio of
annualized earnings after taxes to
average equity
BOPO
:
The ratio of Operational Expenses
to Operational Revenue
DPK
:
Depositor Funds
PYD
:
Financing
IDR
:
Indonesian Rupiah
viii
GLOSARY
Akad Wadiah
Wadiah Contract
:
Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana
atau barang dengan kewajiban bagi pihak yang menyimpan untuk
mengembalikan dana atau barang titipan sewaktu-waktu.
A contract between the owner of the goods (the money) and the custodian
for safekeeping.
Akad Mudharabah
Mudharaba Contract
:
Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul
maal) kepada pengelola dana (mudharib) untuk melakukan kegiatan
usaha tertentu yang sesuai syariah, dengan pembagian hasil usaha
antara kedua belah pihak berdasarkan nisbah yang telah disepakati
sebelumnya.
A contract between a capital provider and an entrepreneur or a fund
manager, whereby the entrepreneur or fund manager can mobilize the
funds of the former for its business activity within the Sharia guidelines.
Profits made are shared between the parties according to a mutually
agreed ratio.
Akad Musyarakah
Musharaka Contract
:
Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik
dana dan/atau barang untuk menjalankan usaha tertentu sesuai
syariah dengan pembagian hasil usaha antara kedua belah pihak
berdasarkan nisbah yang disepakati, sedangkan pembagian kerugian
berdasarkan proporsi modal masing-masing.
A contract between two parties whereby both parties provide capital
and both may be active in managing the venture. Losses are shared on
the basis of how much capital has been contributed. Profits are shared
in any way the partners decide.
Akad Murabahah
Murabaha Contract
:
Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar
harga perolehan barang ditambah dengan margin yang disepakati oleh
para pihak, dimana penjual menginformasikan terlebih dahulu harga
perolehan kepada pembeli.
The sale of goods at a price, which includes a profit margin agreed to by
both parties. The purchase and selling price, other costs, and the profit
margin must be clearly stated by the seller at the time of the sale
agreement.
ix
Akad Salam
Salam Contract
Akad Istishna’
Istishna’ Contract
Akad Ijarah
Ijara Contract
Akad Qardh
Qardh Contract
Ekuivalen tingkat imbalan/
bagi hasil/fee/bonus
Equivalent rate of
return/profit
sharing/fee/bonus
:
:
:
:
Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara
pemesanan dengan syarat-syarat tertentu dan pembayaran tunai
terlebih dahulu secara penuh.
A contract in which the seller undertakes to supply some specific goods
to the buyer on a future date at a mutually agreed price fully paid at
the time of contract.
Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk
pemesanan pembuatan barang dengan criteria dan persyaratan
tertentu yang disepakati dengan pembayaran sesuai dengan
kesepakatan.
A contract in which the seller undertakes to supply some specific goods
to the buyer on a future date at a mutually agreed price and method of
payment.
Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu
barang dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan
hak pakai atas obyek sewa dengan penyewa untuk mendapatkan
imbalan atas obyek sewa yang disewakan.
The selling of benefit or use or service for a fixed price or wage.
Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa
imbalan dengan kewajiban pihak peminjam mengembalikan pokok
pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.
A loan in which the debtor is only required to repay the amount
borrowed.
Indikasi tingkat imbalan dari suatu penanaman dana atau
penghimpunan dana bank pelapor.
Indicative rate of return from Placement of Funds or Source of Funds of
the reporting bank.
1
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
- Jumlah Bank (Number of Banks) 3 3 3 3 3 3 5 5 5 5 6 6 7
- Jumlah Kantor (Number of Offices) 304 349 401 402 405 497 581 635 643 660 711 820 852
- Jumlah Bank Umum Konvensional yang memiliki UUS (Number of Conventional Banks that have Islamic Business Unit) 19 20 26 28 28 28 27 26 25 24 25 25 25
- Jumlah Kantor (Number of Offices) 154 183 196 207 214 216 241 253 256 264 287 288 294
- Jumlah Bank (Number of Banks) 92 105 114 117 124 128 131 133 133 137 138 140 142
- Jumlah Kantor (Number of Offices) 92 105 185 188 195 199 202 208 208 220 225 262 265
550 637 782 797 814 912 1,024 1,096 1,107 1,144 1,223 1,370 1,411 Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)
Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank)
Total Kantor (Total Number of Offices)
Bank Umum Syariah (Islamic Commercial Bank)
2
Kelompok Bank
KP/UUS
KPO/KC
KCP/UPS
KK
(Group of Banks)
HO/IBU
HOO/BO
SBO/SSU
CO
Bank Umum Syariah
Islamic Commercial Bank
1
PT Ba nk Sya ri a h Mua ma l a t Indones i a
1 75 35 92
2
PT Ba nk Sya ri a h Ma ndi ri
1 62 101 113
3
PT Ba nk Sya ri a h Mega Indones i a
1 30 249 10
4
PT Ba nk Sya ri a h BRI
1 29 24
-
5
PT Ba nk Sya ri a h Bukopi n
1 8 5
-
6
Pa ni n Sya ri a h
1 4
- -
7
PT Ba nk Vi ctori a Sya ri a h
1 6 2
-
Unit Usaha Syariah
Islamic Business Unit
7
PT Ba nk Nega ra Indones i a
1 27 27
-
8
PT Ba nk Da na mon
1 8 3
-
9
PT Ba nk Perma ta
1 10 12
-
10
PT Ba nk Interna s i ona l Indones i a (BII)
1 5
- -
11
PT CIMB Ni a ga
1 11 4
-
12
HSBC, Ltd.
1 5
- -
13
BPD Ja wa Ba ra t da n Ba nten
1 6 9
-
14
PT Ba nk DKI
1 2
- -
15
BPD DIY
1 1
- -
16
BPD Ja wa Tenga h (Ja teng)
1 1
- 1
17
BPD Ja wa Ti mur (Ja ti m)
1 1
- 37
18
BPD Ba nda Aceh
1 2 9
-
19
BPD Suma tera Uta ra (Sumut)
1 3 1
-
20
BPD Suma tera Ba ra t (Sumba r)
1 2
- 1
21
BPD Ri a u
1 2 2 1
22
BPD Suma tera Sel a ta n (Sums el )
1 3
- 2
23
BPD Ka l i ma nta n Sel a ta n (Ka l s el )
1 2
- -
24
BPD Ka l i ma nta n Ba ra t (Ka l ba r)
1 1
- -
25
BPD Ka l i ma nta n Ti mur (Ka l ti m)
1 2 6 2
26
BPD Sul a wes i Sel a ta n (Sul s el )
1 3 1
-
27
BPD Nus a Tengga ra Ba ra t (NTB)
1 1
- -
28
PT BTN
1 20 3
-
29
PT Ba nk Ta bunga n Pens i una n Na s i ona l
(BTPN)
1 2
- -
30
PT OCBC NISP
1 1
- -
31
PT Ba nk Si na rma s
1 1 1
-
Bank Pembiayaan Rakyat Syariah
Islamic Rural Bank
TOTAL
174 352 494 366
Keterangan: - KP = Kanto r P usat - UUS = Unit Usaha Syariah - KP O = Kanto r P usat Operasio nal - KC = Kanto r Cabang - KK = Kanto r Kas - Tidak termasuk Layanan Syariah - B O = B ranch Office
7 214 416 215
16
-
107
Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
25 122 78 44
No
- SBO/SSU = Sub B ranch Office/Syari’ a Services Unit - CO = Cash Office - No t Include Office Channeling
142
No te: - HO = Head Office - IB U = Islamic B anking Unit - HOO = Head Operatio nal Office
3
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 Jawa Barat 26 28 28 28 28 28 28 28 27 27 27 27 27 2 Banten 8 8 8 8 8 8 8 8 8 8 8 8 8 3 DKI Jakarta 0 0 1 1 1 1 1 2 2 2 2 2 2 4 D.I. Yogyakarta 2 3 6 6 7 8 9 9 9 9 9 9 10 5 Jawa Tengah 8 11 13 13 15 15 15 16 16 18 19 19 19 6 Jawa Timur 12 17 19 19 21 22 23 23 24 25 25 25 26 7 Bengkulu 2 2 2 2 2 2 2 2 2 2 2 2 2 8 Jambi 0 0 0 0 0 0 0 0 0 0 0 0 0
9 Nanggroe Aceh Darussalam 5 5 5 6 6 6 6 6 6 7 7 8 8
10 Sumatera Utara 6 6 7 7 7 7 7 7 7 7 7 8 8
11 Sumatera Barat 3 4 4 4 5 6 6 6 6 6 6 6 6
12 Riau 2 2 2 4 4 4 4 4 4 4 4 4 4
13 Sumatera Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1
14 Kepulauan Bangka Belitung 1 1 1 1 1 1 1 1 1 1 1 1 1
15 Kepulauan Riau 0 0 0 0 0 0 1 1 1 1 1 1 1 16 Lampung 3 3 3 3 4 5 5 5 5 5 5 5 5 17 Kalimantan Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 18 Kalimantan Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 19 Kalimantan Timur 1 1 1 1 1 1 1 1 1 1 1 1 1 20 Kalimantan Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 21 Sulawesi Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 22 Sulawesi Selatan 7 7 7 7 7 7 7 7 7 7 7 7 7 23 Sulawesi Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 24 Gorontalo 0 0 0 0 0 0 0 0 0 0 0 0 0 25 Sulawesi Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 26 Sulawesi Tenggara 0 0 0 0 0 0 0 0 0 0 0 0 0
27 Nusa Tenggara Barat 2 3 3 3 3 3 3 3 3 3 3 3 3
28 Bali 1 1 1 1 1 1 1 1 1 1 1 1 1
29 Nusa Tenggara Timur 0 0 0 0 0 0 0 0 0 0 0 0 0
30 Maluku 0 0 0 0 0 0 0 0 0 0 0 0 0
31 Papua 1 1 1 1 1 1 1 1 1 1 1 1 1
32 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 92 105 114 117 124 128 131 133 133 137 138 140 142
Provinsi (Province)
(Number of Islamic Rural Bank based on Location)
4
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 UUS BNI 0 136 636 636 638 640 640 641 641 641 641 641 641
2 UUS Bank Danamon 0 7 70 70 80 133 133 133 137 137 137 137 137
3 UUS Bank Permata 0 212 184 184 184 186 186 186 192 192 192 192 192
4 UUS BII 0 4 8 8 8 9 9 9 9 9 9 9 9
5 UUS Bank Tabungan Negara 0 27 36 39 39 64 64 69 69 98 116 116 116
6 UUS CIMB Niaga 0 43 63 63 106 105 143 269 313 441 505 507 500
7 UUS BTPN 0 0 0 0 0 0 8 12 12 12 12 12 12
8 UUS HSBC 0 0 7 7 7 7 10 10 10 10 10 10 10
9 UUS BPD DKI 0 10 21 21 21 33 33 34 34 34 34 34 34
10 UUS BPD Banda Aceh 0 0 - - - - 0 - - -
-11 UUS BPD Sumut 0 0 63 63 63 76 76 76 84 84 84 84 84
12 UUS BPD Riau 0 0 8 8 8 33 33 33 33 33 37 37 37
13 UUS BPD Sumbar 0 0 - - 5 5 5 5 5 5 5 5 5
14 UUS BPD Sumsel 0 0 41 41 41 41 41 41 41 41 41 41 41
15 UUS BPD Jabar dan Banten 0 9 9 9 9 28 28 28 28 28 28 28 28
16 UUS BPD Jateng 0 0 0 0 0 0 0 0 0 0 0 0 0 17 UUS BPD DIY 0 0 0 0 0 0 0 0 0 0 0 0 0 18 UUS BPD Jatim 0 0 0 0 0 0 0 2 2 2 37 37 37 19 UUS BPD Kalsel 0 0 10 10 10 10 10 15 15 15 15 15 15 20 UUS BPD Kalbar 0 0 0 0 0 1 1 1 1 1 5 5 5 21 UUS BPD Kaltim 0 0 10 10 10 10 10 10 10 10 10 10 10 22 UUS BPD Sulsel 0 0 0 0 0 0 0 0 0 0 0 0 0
23 UUS BPD Nusa Tenggara Barat 0 0 1 1 1 10 10 11 11 11 11 11 11
24 UUS OCBC NISP 0 0 0 0
25 UUS Bank Sinarmas 0 0 0 0
26 UUS BEI 0 0 0 0 0 0 0 0 0
27 UUS Bukopin 0 7 27 30 30 29 29 33 33
28 UUS IFI 0 1 1 1 1 1 1 1
29 UUS BRI 0 0 0 0 0 0 0
30 UUS Lippo 0 0 0 0 0 38
Tabel 4. Layanan Syariah (Office Channeling) Bank
5
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
3,523 3,913 4,311 4,547 4,683 7,148 6,609 7,500 8,486 9,275 10,348 10,304 10,840 1,436 1,797 2,266 2,307 2,498 2,535 2,562 2,178 2,223 2,179 2,296 2,365 2,354 1,037 1,666 2,108 2,022 2,272 2,423 2,581 2,644 2,811 2,694 2,799 2,793 2,805
Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)
Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank) Bank Umum Syariah (Islamic Commercial Bank) Unit Usaha Syariah (Islamic Business Unit)
6
AKTIVA 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 Kas (Cash) 100 226 346 488 496 525 720 759 723 749 1,158 1,017 996 941
2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 120 3,180 3,641 4,540 4,860 4,506 2,928 5,189 5,958 6,530 6,545 10,393 11,321 9,837 3 Penempatan pada Bank Lain (Placement in Other Bank) 130 1,058 991 1,667 1,716 1,853 1,653 1,978 2,185 2,449 2,262 3,036 3,150 3,348 4 Surat Berharga yang Dimiliki (Investment in Securities) 140 730 829 1,388 1,400 1,758 2,510 2,683 2,715 2,700 2,744 3,786 3,851 4,358 5 Pembiayaan (Financing) 15,270 20,445 27,944 29,629 34,100 37,681 38,199 39,308 42,195 44,523 46,886 47,140 48,479 6 Tagihan Lainnya (Billing and Acceptable Liabilities) 190 21 15 182 115 162 110 136 142 122 219 171 173 208
7 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 210 2 31 9 7 12 24 32 26 24 24 24 24 24
8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 307 515 785 944 1,039 1,128 1,148 1,318 1,460 1,802 1,649 1,755 1,867 9 Penyertaan (Investment in other entities) 200 6 6 41 41 41 41 79 41 83 83 83 83 83
10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 236 270 296 296 296 297 436 459 555 568 672 675 677
11 Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 16,109 18,973 19,864 24,882 22,604 25,489 27,708 33,853 33,097 34,311 12 Rupa-rupa Aktiva (Other assets) 230 495 621 743 702 749 969 1,200 1,358 1,193 1,290 1,623 1,729 1,805 290 20,880 26,722 36,538 38,344 42,981 45,857 49,555 51,678 55,238 58,034 66,090 67,436 67,963 PASIVA SANDI 1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 29,552 33,049 33,569 36,852 38,040 42,103 45,381 52,271 53,163 53,299 2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia) 340 32 32 32 32 32 32 68 8 7 6 6 6 6
3 Kewajiban kepada Bank Lain (Liabilities to other Bank) 350 980 874 1,951 1,610 1,650 2,431 2,419 3,037 2,912 2,611 3,717 3,392 3,444 4 Surat Berharga yang Diterbitkan (Securities) 355 265 268 350 350 413 438 311 361 360 360 340 340 340
5 Pinjaman Diterima (Received Borrowing) 360 204 181 155 148 135 126 150 141 132 551 512 512 512
6 Kewajiban lainnya (Other Liabilities) 365 210 285 473 546 608 557 727 535 567 739 845 819 960
7 Pinjaman Subordinasi (Subordinated Loan) - - - - - - - - 50 50 50
8 Antar Kantor Pasiva (Inter -Office Liabilities) 7,459 10,544 17,428 19,728 23,323 25,526 30,283 27,948 30,607 31,699 37,601 37,678 38,921 9 Rupa-rupa Pasiva (Other Liabilities) 400 185 218 260 233 361 412 463 613 399 481 582 618 669
10 Modal disetor (Paid-in capital) 951 991 1,017 1,017 1,125 1,137 1,752 1,852 1,801 1,801 1,946 2,279 2,279 11 Tambahan modal disetor ( Additional paid-in capital) 132 142 132 132 132 132 466 466 466 466 468 135 135
12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) 445 - - - - - - 13 13 - - - 3 3
13 Cadangan (Reserves) 230 268 275 275 333 333 335 335 449 449 449 449 449
a. Cadangan Umum (General Reserves) 230 268 275 275 333 333 335 335 449 449 449 449 449
b. Cadangan Tujuan (Special Purpose Reserves) - - - - - - - - 14 Laba (Net Income) a. Tahun-tahun lalu (Previous years) (76) 27 149 585 362 359 152 562 308 308 315 959 959
b. Tahun berjalan (Current year) 238 355 540 218 411 613 432 289 517 469 791 83 179
TOTAL PASIVA* 490 20,880 26,722 36,538 38,344 42,981 45,857 49,555 51,678 55,238 58,034 66,090 67,436 67,963 Miliar Rupiah (in Billion IDR )
* Net
TOTAL AKTIVA*
7
AKTIVA 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 Kas (Cash) 100 11,723 19,341 25,090 21,881 23,737 20,267 25,150 29,086 31,078 34,893 28,938 35,899 40,455 2 Penempatan pada Bank Lain (Placement in Other Bank) 130 102,597 185,208 232,589 243,797 237,090 227,680 334,050 303,494 292,991 306,952 407,663 415,102 380,181 3 Pembiayaan (Financing) 417,282 615,469 890,709 951,591 1,123,027 1,247,657 1,256,610 1,332,419 1,409,900 1,523,415 1,586,919 1,586,580 1,653,875 4 Tagihan Lainnya (Billing and Acceptable Liabilities) 190 - - - - - - - - 5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 210 15,119 - - - - - (464) (33) - 37 350 350 350 6 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 7,901 11,994 17,491 18,997 27,709 29,535 35,339 34,002 32,708 31,617 32,413 33,018 34,847 7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 30,128 34,221 38,360 40,499 42,117 42,707 42,933 46,595 45,827 48,226 8 Rupa-rupa Aktiva (Other assets) 230 25,788 52,873 48,921 59,524 59,509 64,033 62,327 65,047 65,454 73,845 73,461 75,981 80,112 290 585,467 896,017 1,215,916 1,295,149 1,456,451 1,575,915 1,693,332 1,747,780 1,820,576 1,962,225 2,123,581 2,138,797 2,179,951
PASIVA SANDI
1 Dana Pihak Ketiga (Depositor Funds) 340,892 521,152 717,858 772,220 865,319 896,909 975,815 1,034,228 1,082,786 1,158,034 1,250,603 1,283,495 1,310,184 2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 350 37,110 97,561 175,803 175,533 212,633 261,538 271,481 271,399 275,041 315,112 353,068 348,109 350,059 3 Pinjaman Diterima (Received Borrowing) 360 37,574 39,757 51,544 50,787 64,442 67,322 68,268 64,594 65,279 65,340 56,744 49,407 52,457 4 Kewajiban lainnya (Other Liabilities) 365 8,992 8,808 10,912 15,106 14,609 17,613 19,545 16,682 17,192 14,184 18,419 16,550 16,735 5 Pinjaman Subordinasi (Subordinated Loan) 3 3 3 3 3 3 3 3 3 3 353 453 803 6 Rupa-rupa Pasiva (Other Liabilities) 400 12,212 16,717 24,989 29,277 33,509 33,118 35,861 32,171 31,018 31,957 33,351 29,525 31,408 7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 185,620 198,288 214,781 221,651 230,928 250,396 262,843 294,942 293,259 296,323 8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 25,002 31,794 39,992 54,605 52,123 48,986 53,510 41,929 39,568 44,889 9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) 445 - - - - - - - - 10 Cadangan (Reserves) 9,345 16,833 20,684 22,684 27,147 27,072 28,338 31,485 36,426 36,439 36,817 37,887 38,053
a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 13,201 15,766 15,892 16,638 19,316 22,162 22,219 22,582 23,334 24,194 b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 9,483 11,380 11,181 11,699 12,169 14,265 14,220 14,235 14,552 13,859 11 Laba (Net Income)
a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) 3,719 (12,982) (13,189) (14,501) (3,199) (19,253) (21,279) (22,111) 30,021 24,646 b. Tahun berjalan (Current year) 16,499 20,966 27,064 12,080 19,151 28,381 29,787 13,218 27,977 41,358 54,599 5,136 9,389 490 585,467 896,017 1,215,916 1,295,149 1,456,451 1,575,915 1,693,332 1,747,780 1,820,576 1,962,225 2,123,581 2,138,797 2,179,951
Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)
Juta Rupiah (in Million IDR)
* Net
TOTAL PASIVA* TOTAL AKTIVA*
8
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 2,177 3,085 3,795 1,322 2,306 3,609 5,093 1,523 3,132 4,759 6,620 631 1,244
2 194 288 406 137 276 446 632 206 514 893 1,551 234 225
3 565 838 1,260 394 854 1,390 2,061 708 1,528 2,502 3,500 308 609
4 925 1,306 1,468 411 831 1,307 1,938 645 1,306 1,970 2,697 253 484
Total pendapatan (Total Revenue) 2,012 2,905 3,993 1,441 2,605 4,138 5,848 1,792 3,868 6,183 8,975 920 1,594
1 939 1,324 1,774 695 1,059 1,679 2,603 565 1,253 2,263 3,135 466 662
2 202 263 317 104 218 344 492 168 469 831 1,485 53 124
3 573 904 1,273 401 872 1,433 2,147 742 1,576 2,531 3,523 308 610
Total Beban (Total Expenses) 1,714 2,491 3,365 1,200 2,149 3,456 5,242 1,475 3,298 5,625 8,143 827 1,395
298 414 628 241 456 682 605 317 570 558 832 93 199
16 25 33 0 (0) (1) 78 0 0 0 (73) 0 0
282 389 595 241 456 683 528 317 570 558 904 93 199
44 34 55 23 45 70 92 27 53 90 135 10 20
238 355 540 218 411 613 432 289 517 469 791 83 179 Pendapatan Operasional (Operating Revenue)
Beban non operasional (Non Operating Expenses)
C. Laba tahun berjalan (Income)
F. Taksiran pajak penghasilan (Tax Expense) -/-G. Laba setelah taksiran pajak penghasilan (Net Income)
D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)
E. Laba tahun berjalan sebelum pajak (Net Income before Tax) Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment)
-/-B. Beban (Expenses) A. Pendapatan (Revenue)
Pendapatan Operasional Lainnya (Other operating Revenue)
Beban operasional lainnya (Other Operating Expenses) Pendapatan non operasional (Non operating Revenue)
Beban operasional (Operating Expenses)
Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement )
Miliar Rupiah (in Billion IDR)
9
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 97,275 154,633 203,063 62,597 133,093 208,200 293,964 85,708 178,916 275,332 382,183 33,525 69,179 2 9,629 15,945 22,927 6,723 15,623 24,401 32,883 8,683 18,285 29,801 43,074 3,735 7,919
3 1,249 3,676 6,159 1,257 3,031 4,575 6,714 1,795 4,037 5,635 8,085 376 721
4 33,430 49,949 77,246 23,112 49,208 76,437 108,154 30,953 64,084 100,230 138,769 12,991 26,052
Total pendapatan (Total Revenue) 88,894 142,364 186,295 57,131 120,500 188,373 267,795 78,820 164,667 251,167 347,193 30,165 61,981
1 49,378 82,315 105,458 29,328 69,762 110,303 162,045 42,849 88,784 139,589 194,209 15,926 34,023 2 2,518 10,217 8,455 2,824 6,558 10,347 14,767 5,508 12,007 16,408 24,593 1,864 5,312 3 1,378 3,310 6,797 1,261 2,785 5,200 8,214 1,600 3,469 5,732 8,565 765 1,037
Total Beban (Total Expenses) 53,274 95,842 120,709 33,414 79,105 125,851 185,027 49,957 104,260 161,729 227,368 18,556 40,371
21,449 27,407 34,193 14,052 23,434 34,888 40,381 15,298 32,743 49,163 67,000 6,063 11,336
180 300 372 119 232 398 626 139 323 513 967 78 187
21,269 27,107 33,821 13,933 23,202 34,490 39,755 15,159 32,420 48,650 66,033 5,984 11,149 4,770 6,224 7,013 1,853 4,052 6,109 9,976 2,672 4,593 6,939 11,495 874 1,819 16,499 20,883 26,809 12,080 19,151 28,381 29,787 13,218 27,977 41,358 54,562 5,136 9,389 Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted
Investment)
-/-Pendapatan non operasional (Non operating Revenue)
Beban non operasional (Non Operating Expenses)
B. Beban (Expenses)
E. Laba tahun berjalan sebelum pajak (Net Income before Tax)
A. Pendapatan (Revenue)
Pendapatan Operasional (Operating Revenue)
C. Laba tahun berjalan (Income)
D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) Beban operasional (Operating Expenses)
F. Taksiran pajak penghasilan (Tax Expense) -/-G. Laba setelah taksiran pajak penghasilan (Net Income)
Beban operasional lainnya (Other Operating Expenses) Pendapatan Operasional Lainnya (Other operating Revenue)
Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )
Juta Rupiah (in Million IDR)
10
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 67 90 135 36 72 121 180 32 60 92 154 9 16
2 20 19 19 6 13 22 32 6 17 28 45 4 7
87 109 153 42 85 143 212 38 77 119 200 12 23
Biaya pendidikan dan pelatihan (Cost of education and training) Biaya promosi (Cost of promotion)
Total
(Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit)
Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah)
11
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 826 1,300 2,284 737 1,414 2,453 4,178 1,006 2,024 3,273 4,826 269 629
2 686 1,649 1,889 464 1,285 1,924 2,727 639 1,319 2,195 3,622 382 675
1,512 2,949 4,173 1,201 2,700 4,376 6,905 1,645 3,343 5,468 8,448 651 1,304
Total
Biaya pendidikan dan pelatihan (Cost of education and training) Biaya promosi (Cost of promotion)
(Cost of Promotion, Education and Training - Islamic Rural Bank)
Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah
12
2005 2006 2007 2008 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) - - - - - - - - - - Posisi pembelian spot yang masih berjalan (Spot purchases) 2 1 17 - - - - - 3 - Posisi pembelian forward yang masih berjalan (Forward purchases) - - - - - - - - - - Lainnya (others) - 2 1 91 14 77 35 45 83 175
Fasilitas piutang qardh yang belum ditarik (Qardh facililies that are not yet
withdrawn) 1 1 2 14 8 5 10 5 8 2 Fasilitas pembiayaan kepada nasabah yang belum ditarik (Financing facililies
that are not yet withdrawn) 246 444 613 1,612 1,305 1,475 1,522 1,502 1,818 1,909 Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank
financing facilities) 7 0 4 8 21 21 11 15 12 12 Irrevocable L/C yang masih berjalan (Irrevocable L/Cs) 33 167 66 141 93 195 167 146 169 244 Posisi penjualan spot yang masih berjalan (Spot sales) 2 4 - - - - - - - - Posisi penjualan forward yang masih berjalan (Forward sales) - - - - - - - - - - Lainnya (others) 0 32 0 33 13 7 5 6 13 12
Garansi (Kafalah) yang diterima (Kafalah guarantees received) 0 0 10 0 0 2 2 3 1 3 Pendapatan yang akan diterima (Income will be received) 16 33 53 22,588 77,514 208,445 256,293 82 61 70 Lainnya (Others) 14 1 1 78 118 204 316 1 0 1
Garansi (Kafalah) yang diberikan (Guarantees issued) 151 223 390 838 904 950 948 968 1,038 947 Lainnya (Others) 2 2 3 - 1 2 0 2 2 1
Aktiva produktif yang dihapusbuku (Written off earning assets) 116 208 336 648 849 1,173 1,250 1,684 1,363 1,359 Penerusan dana mudharabah muqayyadah (Channeling of mudharabh
muqayaydah) 194 316 362 429 880 1,032 346 349 347 350 Miliar Rupiah (in Billion IDR)
Kewajiban Komimen (Liabilities Contingency)
Lainnya (Others)
(Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit)
Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah
Tagihan Komitmen (Claim comintment )
Kewajiban Komitmen (Liabilities commitment )
13
2005 2006 2007 2008 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) 512 4,789 1,945 29,607 24,482 16,116 8,014 12,013 13,849 24,095 Lainnya (others) - 843 2,478 4 3,947 3 33 2 2 3,947
Fasilitas pembiayaan kepada nasabah yang belum ditarik (financing facililies
that are not yet withdrawn) 6,246 4,395 6,420 5,770 6,048 6,847 6,922 6,617 6,726 5,739 Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank
financing facilities) - - - - - - - - - - Lainnya (others) 202 9 - 22 9 9 710 44 9 9
Garansi (Kafalah) yang diterima (Kafalah guarantees received) - - - - - - - - - - Pendapatan yang akan diterima (Income will be received) 4,784 43,072 9,140 12,151 111,257 16,033 18,792 17,467 61,899 17,654 Lainnya (Others) 2,550 1,450 1,136 1,165 1,535 3,140 402 5,517 520 1,681 7,489 12,231 12,773 19,126 23,584 26,002 29,458 31,847 32,125 23,197 16,883 36,471 33,336 52,640 53,051 53,765 62,624 66,947 60,703 50,285
(Off Balance Sheet Account - Islamic Rural Bank)
Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah
Juta Rupiah (in Million IDR)
Aktiva produktif yang dihapusbuku (Written off earning assets)
Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah) Tagihan Komitmen (Claim Contingency)
Tagihan Komitmen (Claim comintment )
Kewajiban Komitmen (Liabilities commitment)
14
2005 2006 2007 Mar-08 Jun-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 2,048 3,416 3,750 3,635 5,046 4,238 4,209 5,199 5,492 6,202 6,041 6,587 2 4,367 6,430 9,454 9,902 10,858 12,471 13,045 14,149 14,578 16,475 16,362 16,341 a Akad Wadiah (Wadia) 183 332 645 669 762 958 961 1,351 1,268 1,538 1,553 1,598 b Akad Mudharabah (Mudharaba) 4,184 6,098 8,809 9,233 10,096 11,513 12,084 12,798 13,310 14,937 14,809 14,742 3 9,169 10,826 14,807 16,015 17,145 20,143 20,786 22,755 25,311 29,595 30,760 30,371 a 1 Bulan (1 month) 3,835 5,234 9,309 9,645 11,442 14,325 14,624 15,980 15,930 19,794 20,748 20,054 b 3 Bulan (3 months) 2,228 1,973 1,406 1,971 1,545 1,919 2,346 2,683 3,803 4,544 4,942 5,124 c 6 Bulan (6 months) 1,480 1,231 1,296 1,382 1,356 1,827 1,549 1,459 1,708 1,758 1,796 1,946 d 12 Bulan (12 months) 1,625 2,143 2,787 3,007 2,789 2,066 2,263 2,632 3,868 3,497 3,272 3,246 e > 12 Bulan (> 12 months) 1 245 9 11 12 6 4 2 1 1 1 0 15,584 20,672 28,012 29,552 33,048 36,852 38,040 42,103 45,381 52,271 53,163 53,299 (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit)
Tabel 14 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah
Giro iB - Akad Wadiah (iB Demand Deposits - Wadia ) Tabungan iB (iB Saving Deposits)
Miliar Rupiah (in Billion IDR)
Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)
Total
15
2005 2006 2007 Mar-08 Jun-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 - - - -
2 160,906 231,440 296,890 334,138 363,272 441,291 460,311 474,092 492,682 553,397 558,179 565,741 a Akad Wadiah (Wadia) 48,600 73,634 86,708 96,164 115,183 161,450 187,529 195,759 209,991 234,282 238,550 245,953 b Akad Mudharabah (Mudharaba) 112,306 157,806 210,182 237,974 248,089 279,841 272,782 278,333 282,691 319,115 319,629 319,788 3 173,325 289,712 420,968 438,082 502,047 534,524 573,918 608,693 665,352 697,213 725,316 744,443 a 1 Bulan (1 month) 25,327 58,518 63,504 67,039 72,855 68,141 95,841 97,946 138,184 110,360 108,763 110,991 b 3 Bulan (3 months) 31,371 45,288 49,724 53,026 74,320 55,818 77,824 77,814 76,815 95,514 103,342 109,424 c 6 Bulan (6 months) 35,403 60,348 45,915 53,030 61,187 68,875 92,255 101,614 157,831 125,492 135,714 135,806 d 12 Bulan (12 months) 78,877 122,300 205,596 198,311 229,741 270,133 301,570 318,138 275,875 348,963 361,433 369,522 e > 12 Bulan (> 12 months) 2,347 3,258 56,229 66,676 63,946 71,557 6,428 13,182 16,646 16,884 16,064 18,700 334,231 521,152 717,858 772,220 865,319 975,815 1,034,228 1,082,786 1,158,034 1,250,609 1,283,495 1,310,184
Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)
Total
Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )
(Depositor Funds Composition of Islamic Rural Bank) Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah
Juta Rupiah ( in Million IDR )
Tabungan iB (iB Saving Deposits)
16
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
464 1,282 1,840 2,713 2,449 2,506 2,363 2,700 2,265 2,131 2,694 2,889 2,933 2,395 2,357 2,599 2,135 1,751 366 2,545 2,704 1,819 2,635 3,076 3,373 2,972 321 2 101 12 306 56 280 553 2,446 1,779 4,623 5,059 3,932
3,180 3,641 4,540 4,860 4,506 2,928 5,189 5,958 6,530 6,545 10,393 11,321 9,837
Miliar Rupiah (in Billion IDR)
Total
SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank Indonesia Islamic Certificate) Lainnya (Others)
Giro Wadiah (Wadiah Demand Deposits)
Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)
17
2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
1 - - 4 6 7 254 279 253 254 251 1,103 1,103 1,104 2 704 828 1,384 1,394 1,750 2,256 2,400 2,458 2,442 2,489 2,641 2,706 3,212 3 26 1 - - - - 4 4 4 4 42 42 42
730 829 1,388 1,400 1,758 2,510 2,683 2,715 2,700 2,744 3,786 3,851 4,358
Miliar Rupiah (in Billion IDR)
Tabel 17 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)
Lainnya (Others)
Total
Surat Berharga Pasar Keuangan Syariah (Islamic Financial Market Securities) Surat Berharga Pasar Modal Syariah (Islamic Capital Market Securities)
18
Akad (Contract) 2005 2006 2007 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Jan-10 Feb-10
Akad Mudharabah (Mudharaba) 3,124 2,335 4,406 5,200 6,117 6,968 7,411 8,108 9,142 10,007 10,412 10,363 10,725
Akad Musyarakah (Musharaka) 1,898 4,062 5,578 5,835 6,518 6,750 6,205 5,890 6,134 6,459 6,597 6,556 6,592
Akad Murabahah (Murabaha) 9,487 12,624 16,553 16,977 19,811 22,044 22,486 22,732 24,245 25,046 26,321 26,532 27,288
Akad Salam (Salam) 0 0 0 0 0 0 0 0 0 0 0 0 0
Akad Istishna (Istishna) 282 337 351 365 367 385 369 404 412 415 423 402 411
Akad Ijarah (ijara) 316 836 516 464 523 698 765 962 1,059 1,195 1,305 1,313 1,321
Akad Qardh (Qardh) 125 250 540 788 765 836 959 1,211 1,202 1,400 1,829 1,974 2,141
Lainnya (Others) 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 15,232 20,445 27,944 29,629 34,100 37,681 38,195 39,308 42,195 44,523 46,886 47,140 48,479 (Financing Composition of Islamic Commercial Bank and Islamic Business Unit)
Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah
