Islamic Banking Statistics

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Islamic Banking Statistics

Direktorat Perbankan Syariah

BANK INDONESIA

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DAFTAR ISI CONTENTS

Tabel

1. Jaringan Kantor Perbankan Syariah

2 Networking of Islamic Banks

Tabel

2. Aset Perbankan Syariah

3 Assets of Islamic Banks

Tabel

3. Kewajiban dan Modal Perbankan Syariah

4 Liabilities and Equity of Islamic Banks

Gambar 1. Perkembangan Aset Perbankan Syariah

5 Growth of Assets of Islamic Banks

Gambar 2. Sumber Dana Perbankan Syariah

5 Sources of Fund of Islamic Banks

Tabel

4. Komposisi Dana Pihak Ketiga Perbankan Syariah

6 Composition of Deposit Fund of Islamic Banks

Gambar 3. Aktiva Produktif Utama Perbankan Syariah

6 The Major Earning Assets of Islamic Banks

Tabel

5. Komposisi Pembiayaan Perbankan Syariah

7 Composition of Financing of Islamic Banks

Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah

8 Composition of Uses and Sources of Fund of Islamic Banks

Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah

9 Sources of Fund, Financing, and FDR of Islamic Banks

Gambar 6. Pembiayaan dan PPAP Perbankan Syariah

9 Financing and Provision for Losses (PPAP) of Islamic Banks

Tabel

6. NPFs Perbankan Syariah

10 Non Performing Financings (NPFs) of Islamic Banks

Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah

10 Current Year Profits and Losses of Islamic Banks

Tabel

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

11 Transaction of Islamic Interbank Money Market (PUAS)

Gambar 8. Volume Transaksi PUAS

12 Volume of PUAS Transaction

Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)

12 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

Tabel

8. Pangsa Perbankan Syariah Terhadap Total Bank

13 Islamic Banks’s Share to All Banks

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Tabel

1. Jaringan Kantor Perbankan Syariah

Networking of Islamic Banks

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

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

Bank Umum Syariah Islamic Commercial Banks

1. PT Bank Muamalat Indonesia 1 10 2 19 1 13 3 26 1 13 5 37

2. PT Bank Syariah Mandiri 1 3 5 0 1 8 5 0 1 23 0 6

Unit Usaha Syariah Islamic Banking Unit

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

2. PT Bank Negara Indonesia 1 5 0 0 1 10 0 0

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

4. PT Bank Rakyat Indonesia 5. PT Bank Danamon 6. PT Bank Bukopin

Bank Perkreditan Rakyat Syariah Islamic Rural Banks

TOTAL 82 14 7 19 84 28 8 26 86 48 5 43 2001 2 36 5 43 3 12 0 0 81 0 0 0 1999 2 13 7 19 1 1 0 0 79 0 0 0 2000 2 21 8 26 3 7 0 0 79 0 0 0

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

2. PT Bank Negara Indonesia 1 12 0 0 1 12 1 0 1 12 1 0

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

4. PT Bank Rakyat Indonesia 1 2 0 0 1 8 0 0 1 8 0 0

5. PT Bank Danamon 1 5 0 0 1 5 0 0 1 5 0 0

6. PT Bank Bukopin 1 2 0 0 1 2 0 0 1 2 0 0

7. PT Bank Internasional Indonesia 1 1 0 0

TOTAL 91 68 11 59 93 76 13 60 95 84 17 75 0 Mar-03 2 Jun-03 2 52 16 75 7 32 1 86 0 0 85 0 0 45 12 60 6 31 1 0 0 0 2002 2 43 11 59 6 25 0 0 83 0 0 0

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

2. PT Bank Negara Indonesia 1 12 1 0 1 12 5 0 1 12 5 0

3. PT Bank Jabar 1 4 0 0 1 4 0 0 1 4 0 0

4. PT Bank Rakyat Indonesia 1 8 0 0 1 11 0 0 1 11 0 0

5. PT Bank Danamon 1 5 0 0 1 6 0 0 1 10 0 0

6. PT Bank Bukopin 1 2 0 0 1 2 0 0 1 2 0 0

7. PT Bank Internasional Indonesia 1 1 0 0 1 2 0 0 1 2 0 0

8. HSBC, Ltd. 1 0 1 0 1 0 1 0

TOTAL 93 100 17 100 94 108 26 112 94 116 26 113 84 0 0 0 38 6 0 70 20 112 74 20 113 Dec-03 2 Nov-03 7 0 84 0 0 1 0 8 0 84 0 0 0 Sep-03 8 42 6 16 100 2 2 67 33 Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - KK = Kantor Kas

Note:

- HO = Head Office - IBU = Islamic Banking Unit

- HOO = Head Operational Office

- BO = Branch Office - SBO = Sub Branch Office

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Tabel

2. Aset Perbankan Syariah (Juta Rupiah)

Assets of Islamic Banks (Million IDRs)

KETERANGAN Dec-02 Mar-03 Jun-03 Sep-03 Oct-03 Nov-03

ITEMS

1. Kas 62,381 65,802 78,023 88,616 89,070 111,052

Cash

2. Penempatan pada BI 572,497 689,826 823,048 1,454,6411,243,415 1,375,928

Placement at Bank Indonesia

3. Penempatan pada bank lain 129,865 186,862 197,414 281,569 299,662 380,418 Inter-bank assets

4. Pembiayaan yang diberikan 3,276,650 4,161,7063,662,587 4,832,246 5,042,081 5,466,361 Financing extended

5. Penyertaan 2,094 2,094 2,095 2,094 2,095 2,095 Equity participation

6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (91,407) (96,350) (88,229) (98,599) (117,319) (125,691) Allowances for earning assets losses (PPAP)

a. Cadangan umum PPAP -/- (41,864) (37,756) (37,240) (40,542) (50,968) (51,079) PPAP General provision

b. Cadangan Khusus PPAP -/- (49,543) (58,594) (50,989) (58,057) (66,351) (74,612) PPAP Special provision

7. Aktiva tetap dan investaris 86,932 101,771 103,805 130,129 135,914 135,579 Fixed assets and inventory

a. Tanah dan gedung 40,278 42,184 41,675 55,465 56,776 58,731 Land and building

b. Akumulasi penyusutan gedung -/- (6,885) (7,763) (7,374) (8,242) (8,420) (9,114) Building accumulated depreciation

c. Inventaris 99,365 120,862 128,379 149,110 155,731 156,142 Inventory

d. Akumulasi penyusutan inventaris -/- (45,826) (53,512) (58,875) (66,204) (68,173) (70,180) Accumulated depreciation of inventory

8. Rupa-rupa aktiva 6,223 19,650 24,583 79,875 113,423 96,013 Other assets

J U M L A H 4,045,235 5,302,4454,632,242 6,559,345 7,019,567 7,441,755

TOTAL ASSETS

*) Meliputi data Bank Umum Syariah dan Unit Usaha Syariah (tidak termasuk BPR Syariah) Covering Islamic Commercial Banks and Islamic Banking Unit (excluding Islamic Rural Banks)

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Tabel

3. Kewajiban dan Modal Perbankan Syariah (Juta Rupiah)

Liabilities and Equity of Islamic Banks (Miliion IDRs)

KETERANGAN Dec-02 Mar-03 Jun-03 Sep-03 Oct-03 Nov-03

ITEMS 1. Giro wadiah 358,964 411,082 387,316 602,950 579,040 546,857 Wadiah-current accounts 2. Tabungan mudharabah 815,308 1,303,6671,018,925 1,290,680 1,332,810 1,433,202 Mudharabah-saving accounts 3. Deposito mudharabah 1,743,454 2,090,7761,892,842 2,752,558 2,899,923 3,180,897 Mudharabah-investment accounts 4. Kewajiban terhadap BI 38,387 37,329 34,430 36,367 35,754 35,420 Liabilities to Bank Indonesia

5. Kewajiban kepada bank lain 31,487 93,544 175,481 216,537 318,152 347,414 Inter-bank liabilities

6. Pembiayaan yang diterima 202,335 207,267 211,314 415,472 418,194 418,485 Received Financing

7. Kewajiban lainnya 34,774 89,154 44,728 55,236 48,688 52,731 Other payables

8. Setoran jaminan 3,204 3,633 3,669 7,568 3,309 3,118 Guarantee deposits

9. Antar Kantor Bersih 150,786 134,522 220,584 317,298 389,289 421,935 Interoffice net

a. Melakukan kegiatan operasional di Indonesia 150,786 134,522 220,584 317,298 389,289 421,935 Activities in Indonesia

b. Melakukan kegiatan operasional di luar Indonesia - - - Activities outside Indonesia

10. Rupa-rupa pasiva 61,858 59,388 83,005 87,486 107,356 111,989 Other liabilities 11. Modal disetor 523,703 578,067 628,067 625,528 625,528 625,528 Paid-in capital a. Modal dasar 1,500,000 1,500,0001,500,000 1,500,000 1,500,000 1,500,000 Authorized capital

b. Modal yang belum disetor -/- (976,297) (921,933) (871,933) (874,472) (874,472) (874,472) Unpaid capital

12. Perkiraan tambahan modal disetor 806 806 806 806 883 873 Additional paid-in capital account

a. Agio 806 806 806 806 806 806 Agio b. Disagio - - - Disagio 13. Cadangan 32,779 32,779 34,371 34,371 34,371 34,371 Reserves a. Cadangan Umum 32,779 32,779 34,371 34,371 34,371 34,371 General reserves b. Cadangan Tujuan - - - Appropriated reserves 14. Laba/rugi 47,390 72,904 84,231 96,488 86,270 88,935 Profit/Loss a. Tahun-tahun lalu (6,660) 53,484 51,953 40,889 40,422 40,422 Previous years i. Laba 22,323 53,506 51,975 47,675 47,675 47,675 Profit ii. Rugi -/- (28,983) (22) (22) (6,786) (7,253) (7,253) Loss b. Tahun berjalan 54,050 19,420 32,278 55,599 45,848 48,513 Current year i. Laba 90,106 40,377 77,542 133,514 155,191 173,181 Profit ii. Rugi -/- (36,056) (20,957) (45,264) (77,915) (109,343) (124,668) Loss J U M L A H 4,045,235 5,302,4454,632,242 6,559,345 7,019,567 7,441,755

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Gambar 1. Perkembangan Aset Perbankan Syariah

Growth of Assets of Islamic Banks

0.93% 3.79% 6.42% 3.40% 2.74% 7.02% -0.66% 4.98% 0.94% 8.31% -0.20% 5.31% 0.78%1.42%1.01% 5.83% 2.61% 8.66% 3.86% 2.45% 6.27%_6.03% -2.17% 8.85% 0.97% 6.58% 0.91% 6.41% 4.21% 11.30% 5.54% 7.02% 6.01% 4.13% 5.31% 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 Dec-00 Jan-01 Feb-01 Mar -01 Apr -01 May-01 Jun-01 Jul -01 Aug-01 Sep-01 Oct-01 Nov-01 Dec-01 Jan-02 Feb-02 Mar -02 Apr -02 May-02 Jun-02 Jul -02 Aug-02 Sep-02 Oct-02 Nov-02 Dec-02 Jan-03 Feb-03 Mar -03 Apr -03 May-03 Jun-03 Jul -03 Aug-03 Sep-03 Oct-03 Nov-03

Trily un Rupiah (Trillion IDRs)

-4% -2% 0% 2% 4% 6% 8% 10% 12% Aset (Assets)

Perkembangan Aset (Assets Grow th)

Gambar 2. Sumber Dana Perbankan Syariah

Sources of Fund of Islamic Banks

0.00 1.00 2.00 3.00 4.00 5.00 6.00 Dec-00 Jan-01 Feb-01 Mar -01 Apr -01 May-01 Jun-01 Jul -01 Aug-01 Sep-01 Oct-01 Nov-01 Dec-01 Jan-02 Feb-02 Mar -02 Apr -02 May-02 Jun-02 Jul -02 Aug-02 Sep-02 Oct-02 Nov-02 Dec-02 Jan-03 Feb-03 Mar -03 Apr -03 May-03 Jun-03 Jul -03 Aug-03 Sep-03 Oct-03 Nov-03

Giro Wadiah (Wadiah-cur. acc.) Tabungan Mudharabah (Mudharabah-sav . acc.) Deposito Mudharabah (Mudharabah-inv . acc.) Pembiay aan y ang diterima (Receiv ed financing)

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Tabel

4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah)

Composition of Deposit Fund of Islamic Banks (Million IDRs)

Giro Wadiah Nilai (Amount) 358,964 416,649 387,316 602,950 579,040 546,857 Wadiah currency account Pangsa (Share) 12.30% 12.42% 10.24% 12.98% 12.03% 10.60% Tabungan Mudharabah Nilai (Amount) 815,308 1,303,6671,033,857 1,290,680 1,332,810 1,433,202 Mudharabah saving account Pangsa (Share) 27.94% 30.83% 34.47% 27.78% 27.70% 27.77% Deposito Mudharabah Nilai (Amount) 1,903,0811,743,454 2,090,776 2,752,558 2,899,923 3,180,897 Mudharabah investment account Pangsa (Share) 59.75% 56.75% 55.29% 59.24% 60.27% 61.63%

2,917,726 3,353,587 3,781,759 4,646,188 4,811,773 5,160,956 Jun-03 Dec-02 DEPOSIT FUND Total DANA PIHAK KETIGA

Nov-03

Mar-03 Sep-03 Oct-03

Gambar 3. Aktiva Produktif Utama Perbankan Syariah

The Major Earning Assets of Islamic Banks

0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00 5.50 6.00 6.50 7.00 7.50 Dec-00 Jan-01 Feb-01 Mar -01 Apr -01 May-01 Jun-01 Jul -01 Aug-01 Sep-01 Oct-01 Nov-01 Dec-01 Jan-02 Feb-02 Mar -02 Apr -02 May-02 Jun-02 Jul -02 Aug-02 Sep-02 Oct-02 Nov-02 Dec-02 Jan-03 Feb-03 Mar -03 Apr -03 May-03 Jun-03 Jul -03 Aug-03 Sep-03 Oct-03 Nov-03

Pembiay aan y ang diberikan (Fin. ex tended) Penempatan pada bank lain (Inter bk assets) Penempatan pada BI (Plcment at BI)

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Tabel

5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah)

Composition of Financing of Islamic Banks (Million IDRs)

Dalam rangka pembiayaan bersama Nilai (Amount) 27,318 29,730 28,758 27,955 27,612 27,116

Sindicated Financing Pangsa (Share) 0.83% 0.81% 0.69% 0.58% 0.55% 0.50%

Dalam rangka restrukturisasi pembiayaan Nilai (Amount) 631 614 535 532 515 500

Restructurized Financing Pangsa (Share) 0.02% 0.02% 0.01% 0.01% 0.01% 0.01%

Penyaluran pembiayaan melalui lembaga lain Nilai (Amount) 7 6 4 3 8 2

Channeling Pangsa (Share) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Pembiayaan Musyarakah Nilai (Amount) 60,191 70,395 86,729 152,901 227,978 288,517

Musharakah Financing Pangsa (Share) 1.84% 1.92% 2.08% 3.16% 4.52% 5.28%

Pembiayaan Mudharabah Nilai (Amount) 498,681 533,795 586,861 710,318 757,840 824,276

Mudharabah Financing Pangsa (Share) 15.22% 14.57% 14.10% 14.70% 15.03% 15.08%

Piutang Murabahah Nilai (Amount) 2,324,222 2,607,585 2,999,678 3,449,555 3,641,374 3,893,148

Murabahah Receivable Pangsa (Share) 70.93% 71.20% 72.08% 71.39% 72.22% 71.22%

Piutang Salam Nilai (Amount) 51 - - - -

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

Piutang Istishna' Nilai (Amount) 220,720 248,016 240,614 264,665 266,723 289,205

Istishna' Receivable Pangsa (Share) 6.74% 6.77% 5.78% 5.48% 5.29% 5.29%

Lainnya Nilai (Amount) 144,829 172,446 218,527 226,317 120,031 143,597

Others Pangsa (Share) 4.42% 4.71% 5.25% 4.68% 2.38% 2.63%

3,276,650

3,662,587 4,161,706 4,832,246 5,042,081 5,466,361 Total

RINCIAN PEMBIAYAAN YANG DIBERIKAN

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Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah

Composition of Uses and Sources of Fund of Islamic Banks

Okt-2003

21% 75% 0% 4%

Nov-2003

19%

76%

0%

5%

Sep-2003

20% 76% 0% 4% Penempatan pada BI (Plcment at BI)

Penempatan pada bank lain (Inter bk assets) Pembiayaan yang diberikan (Fin. extended) Penyertaan (Eq. participation)

Sep-2003

12%

55%

8%

25% Giro Wadiah (Wadiah-cur. acc.)

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

Nov-2003

10% 56% 8% 26%

Okt-2003

11% 56% 8% 25%

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Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah

Sources of Fund, Financing, and FDR of Islamic Banks

104.79% 123.54% 113.48% 112.30% 0.00 0.50 1.00 1.50 2.00 2.50 3.00 3.50 4.00 4.50 5.00 5.50 6.00 Dec-00 Jan-01 Feb-01 Mar -01 Apr -01 May-01 Jun-01 Jul -01 Aug-01 Sep-01 Oct-01 Nov-01 Dec-01 Jan-02 Feb-02 Mar -02 Apr -02 May-02 Jun-02 Jul -02 Aug-02 Sep-02 Oct-02 Nov-02 Dec-02 Jan-03 Feb-03 Mar -03 Apr -03 May-03 Jun-03 Jul -03 Aug-03 Sep-03 Oct-03 Nov-03

50% 100% 150% Pembiay aan y ang diberikan (Fin. ex tended) Dana Pihak Ketiga (Deposit Fund)

FDR (Financing to Deposit Ratio)

Gambar 6. Pembiayaan dan PPAP Perbankan Syariah

Financing and Provision for Losses (PPAP) of Islamic Banks

0.00 1.00 2.00 3.00 4.00 5.00 6.00

Pembiayaan yang diberikan (Fin. extended)

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Tabel

**6. NPFs*) Perbankan Syariah (Juta Rupiah)**

**Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs)**

Lancar Nilai (Amount) 3,022,438 3,335,280 3,741,571 4,427,765 4,601,254 4,936,514

Current Pangsa (Share) 92.24% 91.06% 89.90% 91.63% 91.26% 90.31%

Dalam Perhatian Khusus Nilai (Amount) 119,266 182,165 256,684 213,284 255,904 344,689

Special Mention Pangsa (Share) 3.64% 4.97% 6.17% 4.41% 5.08% 6.31%

Kurang Lancar Nilai (Amount) 51,445 57,347 84,633 94,267 64,553 83,993

Sub-standard Pangsa (Share) 1.57% 1.57% 2.03% 1.95% 1.28% 1.54%

Diragukan Nilai (Amount) 30,285 18,642 27,016 32,129 36,999 30,134

Doubtful Pangsa (Share) 0.92% 0.51% 0.65% 0.66% 0.73% 0.55%

Macet Nilai (Amount) 53,216 69,153 51,802 64,801 83,371 71,031

Loss Pangsa (Share) 1.62% 1.89% 1.24% 1.34% 1.65% 1.30%

3,276,650 3,662,587 4,161,706 4,832,246 5,042,081 5,466,361 134,946 145,142 163,451 191,197 184,923 185,158 4.12% 3.96% 3.93% 3.96% 3.67% 3.39% Nov-03 Oct-03 Jun-03 Sep-03 Mar-03 Dec-02 Percentage of NPFs KOLEKTIBILITAS PEMBIAYAAN

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

COLLECTIBILITY OF FINANCING

*) 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 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah

Current Year Profits and Losses of Islamic Banks

34.96 -9.82-2.86 3.75 7.84 -4.90 12.78 -6.38 17.77 -9.70 22.85 -9.67-7.50 30.88 36.84 -10.21 44.35 -13.66 51.53 -18.12 58.02 -16.98 65.46 -20.14-7.03 90.06 8.43 -4.39 14.70 -6.91 20.08 -9.85 25.93 -12.98 33.21 -17.02 41.39 -19.94 49.97 -24.15 61.09 -26.03 72.29 -28.44 83.59 -31.57 91.19 -38.72 90.11 -36.06 -6.06 16.05 29.38 -11.66 40.38 -25.81 54.54 -27.85 66.30 -35.84 77.54 -45.26 97.65 -59.31 117.92 -69.63 133.51 -77.92 155.19 -109.34 173.18 -124.67 -15 0.0 0 -14 0.0 0 -13 0.0 0 -12 0.0 0 -11 0.0 0 -10 0.0 0 -9 0.0 0 -8 0.0 0 -7 0.0 0 -6 0.0 0 -5 0.0 0 -4 0.0 0 -3 0.0 0 -2 0.0 0 -10 .00 0.0 0 10. 00 20. 00 30. 00 40. 00 50. 00 60. 00 70. 00 80. 00 90. 00 10 0.0 0 110 .00 12 0.0 0 13 0.0 0 14 0.0 0 15 0.0 0 16 0.0 0 17 0.0 0 18 0.0 0 19 0.0 0 20 0.0 0

Mily ar Rupiah (Billion IDRs)

Dec-00 Feb-01 Apr-01 Jun-01 Aug- 01 Oct -01 Dec- 01 Feb-02 Apr -02 Jun-02 Aug-02 Oct -02 Dec-02 Feb-03 Apr -03 Jun-03 Aug-03 Oct -03

Laba tahun berjalan (Current y ear profit) Rugi tahun berjalan (Current y ear losses)

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Tabel

7. 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) Okt 8-Oct-02 5,000 12.22 77.00 7 9.4094 10-Oct-02 2,500 12.22 77.00 4 9.4094 14-Oct-02 700 15.000 78.94 1 11.8410 15-Oct-02 5,000 12,22 77.00 7 9.4094 18-Oct-02 500 12.800 67.00 3 8.5760 23-Oct-02 500 12.800 67.00 1 8.5760 Nov 15-Nov-02 1,500 10.400 71.00 7 7.4124 2003 Jan 3-Jan-03 2,000 10,810 71.00 3 7.6751 16-Jan-03 1,000 12,130 62.00 1 7.5206 Feb 7-Feb-03 3,000 13,35 71.00 1 9.4856 21-Feb-03 500 10.000 53.00 3 5.3000 24-Feb-03 1,250 11.000 59.00 1 6.4900 Apr 14-Apr-03 500 13.760 71.00 1 9.7696 21-Apr-03 500 13.760 72.00 1 9.9072 28-Apr-03 7,000 13.760 72.00 1 9.9072 Mei 5-May-03 950 10.575 58.60 1 6.1473 9-May-03 15,000 9.247 51.25 3 5.0028 12-May-03 750 10.000 55.00 1 5.5000 Juni 6-Jun-03 25,000 9.080 51.31 3 5.1372 24-Jun-03 1,000 15.960 50.00 1 7.9800 Juli 8-Jul-03 3,500 12.520 59.00 1 8.6713 14-Jul-03 250 15.000 70.00 31 10.5000 Agustus 7-Aug-03 2,000 9.200 55.00 6 5.0600 15-Aug-03 5,000 9.730 60.00 5 5.7380 21-Aug-03 4,000 10.610 67.00 30 7.1075 September 5-Sep-03 5,000 9.450 58.00 30 5.4810 23-Sep-03 1,300 7.255 46.50 1 3.4998 Oktober -November 18-Nov-03 6,000 8.800 59.67 1 5.2510

Period Volume of Transaction (Million IDRs)

Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%) Maturity (Days)

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 (%) Indication Rate of Return of IMA Certificate (%)

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Gambar 8. Volume Transaksi PUAS

Volume of PUAS Transaction

0 5 10 15 20 25 30 M a r -0 -0 Ap r -0 -0 M a y-0 y-0 Ju n -0 -0 Jul-0 Jul-0 Au g-0 g-0 Se p-0 p-0 Oc t -0 -0 No v-0 v-0 De c-0 c-0 Ja n -0 1 F eb-0 1 M a r -0 1 Ap r -0 1 M a y-0 1 Ju n -0 1 Jul-0 1 Au g-0 1 Se p-0 1 Oc t -0 1 No v-0 1 De c-0 1 Ja n -0 2 F eb-0 2 M a r -0 2 Ap r -0 2 M a y-0 2 Ju n -0 2 Jul-0 2 Au g-0 2 Se p-0 2 Oc t -0 2 No v-0 2 De c-0 2 Ja n -0 3 F eb-0 3 M a r -0 3 Ap r -0 3 M a y-0 3 Ju n -0 3 Jul-0 3 Au g-0 3 Se p-0 3 Oc t -0 3 No v-0 3 De c-0 3

Milyar Rupiah (Billion IDRs)

V ol ume 0. 8 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 9. 2 0 6 3 4 0 2. 5 0 0 0 5. 2 10 3. 2 3 12 14 1. 5 0 3 4. 8 0 8 17 26 3. 8 11 6. 3 0 6 0 M a r -00 A p r -00 M a y -00 J un-00 J ul -00 A u g-00 Sep-00 Oc t -00 No v -00 De c -00 J an-01 Feb-01 M a r -01 A p r -01 M a y -01 J un-01 J ul -01 A u g-01 Sep-01 Oc t -01 No v -01 De c -01 J an-02 Feb-02 M a r -02 A p r -02 M a y -02 J un-02 J ul -02 A u g-02 Sep-02 Oc t -02 No v -02 De c -02 J an-03 Feb-03 M a r -03 A p r -03 M a y -03 J un-03 J ul -03 A u g-03 Sep-03 Oc t -03 No v -03 De c -03

Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)

Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

-200 400 600 800 1,000 1,200 1,400 1,600 1,800 M a r -0 -0 Ap r -0 -0 M a y-0 y-0 Ju n -0 -0 Jul-0 Jul-0 Au g-0 g-0 Se p-0 p-0 Oc t -0 -0 No v-0 v-0 De c-0 c-0 Ja n -0 1 F eb-0 1 M a r -0 1 Ap r -0 1 M a y-0 1 Ju n -0 1 Jul-0 1 Au g-0 1 Se p-0 1 Oc t -0 1 No v-0 1 De c-0 1 Ja n -0 2 F eb-0 2 M a r -0 2 Ap r -0 2 M a y-0 2 Ju n -0 2 Jul-0 2 Au g-0 2 Se p-0 2 Oc t -0 2 No v-0 2 De c-0 2 Ja n -0 3 F eb-0 3 M a r -0 3 Ap r -0 3 M a y-0 3 Ju n -0 3 Jul-0 3 Au g-0 3 Se p-0 3 Oc t -0 3 No v-0 3 De c-0 3

Milyar Rupiah (Billion IDRs)

Out s t andi ng 400 507 497 393 393 394 409 312 311 291 305 331 317 288 265 303 270 235 208 229 270 281 301 316 339 244 129 413 387 304 280 407 390 542 783 737 665 611 604 730 891 910 1, 0 1, 0 1, 2 1, 6 M a r -00 A p r -00 M a y-00 J un-00 J ul -00 A u g-00 Sep-00 Oc t -00 No v -00 De c -00 J an-01 Feb-01 M a r -01 A p r -01 M a y -01 J un-01 J ul -01 A u g-01 Sep-01 Oc t -01 No v -01 De c -01 J an-02 Feb-02 M a r -02 A p r -02 M a y -02 J un-02 J ul -02 A u g-02 Sep-02 Oc t -02 No v-02 De c -02 J an-03 Feb-03 M a r -03 A p r -03 M a y -03 Jun-03 J ul -03 A u g-03 Sep-03 Oc t -03 No v -03 De c -03

(14)

Tabel

8. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Oktober 2003)

Islamic Banks’s Share to All Banks (Oktober 2003 Position)

Nominal

Share

Total Assets

_7.02

0.61%

_1147.89

Deposit Fund

_4.81

0.55%

_879.4

Credit/Financing extended

_5.04

1.09%

_463.68

**LDR/FDR*)**

_104.79%

52.73%

NPL

_3.67%

_7.77%

Islamic Banks

Total Banks

*) FDR = Financing extended/Deposit Fund LDR = Credit extended/Deposit Fund

Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank

Islamic Banks’s Share to All Banks

0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% De c -00 J a n-01 Fe b-01 M a r -01 A p r -01 M a y -01 J u n-01 J ul -01 A u g-01 Se p-01 Oc t -01 No v -01 De c -01 J a n-02 Fe b-02 M a r -02 A p r -02 M a y -02 J u n-02 J ul -02 A u g-02 Se p-02 Oc t -02 No v -02 De c -02 J a n-03 Fe b-03 M a r -03 A p r -03 M a y -03 J u n-03 J ul -03 A u g-03 Se p-03 Oc t -03 T ot al A s s et s 0. 17 0. 17 0. 17 0. 18 0. 18 0. 20 0. 21 0. 22 0. 23 0. 23 0. 24 0. 24 0. 25 0. 25 0. 26 0. 26 0. 28 0. 29 0. 32 0. 32 0. 33 0. 34 0. 35 0. 38 0. 36 0. 39 0. 40 0. 42 0. 43 0. 46 0. 48 0. 53 0. 56 0. 58 0. 61 Depos i t Fund 0. 15 0. 15 0. 16 0. 17 0. 17 0. 18 0. 19 0. 20 0. 21 0. 20 0. 23 0. 22 0. 23 0. 23 0. 23 0. 23 0. 25 0. 26 0. 28 0. 29 0. 30 0. 31 0. 33 0. 36 0. 35 0. 38 0. 38 0. 40 0. 41 0. 43 0. 45 0. 47 0. 51 0. 54 0. 55 Cr / Fi n ex t 0. 40 0. 41 0. 42 0. 44 0. 43 0. 45 0. 48 0. 52 0. 55 0. 54 0. 53 0. 56 0. 57 0. 58 0. 60 0. 61 0. 68 0. 73 0. 76 0. 77 0. 80 0. 82 0. 84 0. 86 0. 80 0. 84 0. 85 0. 87 0. 91 0. 94 0. 96 1. 00 1. 05 1. 06 1. 09 Dec -00 J an-01 Feb-01 M ar -01 A pr -01 M ay -01 J un-01 J ul -01 A ug-01 Sep-01 Oc t -01 Nov -01 Dec -01 J an-02 Feb-02 M ar -02 A pr -02 M ay -02 J un-02 J ul -02 A ug-02 Sep-02 Oc t -02 Nov -02 D ec -02 J an-03 Feb-03 M ar -03 A pr -03 M ay -03 J un-03 J ul -03 A ug-03 Sep-03 Oc t -03