i
Statistik Perbankan Syariah
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
iii
Tab. 19
Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing
Composition of Islamic Rural Bank) ...
page
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
iv
Tab. 39
Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural
Bank)...
Page
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
v
Graph 7
Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds -
Islamic Commercial Bank and Islamic Business Unit)...
58
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
Oktober 2010 dilakukan pada tanggal 22
November 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 October 2010 Islamic
Banking Statistics is on November 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
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
- Jumlah Bank (Number of Banks)
3 3 3 5 6 6 6 6 6 7 8 9 10 10 10 10 10 11
- Jumlah Kantor (Number of Offices)
304 349 401 581 711 688 701 711 820 852 934 918 970 33 1,113 1,111 1,151 1,154
-
-
Jumlah Bank Umum Konvensional yang
memiliki UUS (Number of Conventional
Banks that have Islamic Business Unit)
19 20 26 27 25 25 25 25 25 25 25 25 24 23 23 23 23 23
- Jumlah Kantor (Number of Offices)
154 183 196 241 287 275 286 287 288 294 299 312 298 1,081 251 236 237 237
-
- Jumlah Bank (Number of Banks)
92 105 114 131 138 263 257 138 140 142 143 144 144 145 146 146 146 148
- Jumlah Kantor (Number of Offices)
92 105 185 202 225 223 224 225 262 265 266 271 271 221 23 277 278 278
550 637 782 1,024 1,223 1,186 1,211 1,223 1,370 1,411 1,499 1,501 1,539 1,335 1,387 1,624 1,666 1,669
2010
Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)
Unit Usaha Syariah (Islamic Business Unit)
Total Kantor (Total Number of Offices)
2009
Bank Umum Syariah (Islamic Commercial Bank)
2005
2006
2007
2008
2009
Bank Pembiayaan Rakyat Syariah (Islamic Rural
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 49 105
2
PT Ba nk Sya ri a h Ma ndi ri
1 99 168 86
3
PT Ba nk Sya ri a h Mega Indones i a
1 34 329 5
4
PT Ba nk Sya ri a h BRI
1 34 42 2
5
PT Ba nk Sya ri a h Bukopi n
1 8 5 -
6
PT Ba nk Pa ni n Sya ri a h
1 4
- -
7
PT Ba nk Vi ctori a Sya ri a h
1 6 2 -
8
PT BCA Sya ri a h
1 5 3 7
9
PT Ba nk Ja ba r da n Ba nten
1 6 13 -
10
PT Ba nk Sya ri a h BNI
1 27 28 -
11
PT Ma yba nk Indones i a Sya ri a h
1 1
- -
Unit Usaha Syariah
Islamic Business Unit
12
PT Ba nk Da na mon
1 8 3 -
13
PT Ba nk Perma ta
1 10 12 -
14
PT Ba nk Interna s i ona l Indones i a (BII)
1 5
- -
15
PT CIMB Ni a ga
1 21 5 -
16
HSBC, Ltd.
1 5
- -
17
PT Ba nk DKI
1 2
- -
18
BPD DIY
1 1
- -
19
BPD Ja wa Tenga h (Ja teng)
1 2
- 1
20
BPD Ja wa Ti mur (Ja ti m)
1 1
- 37
21
BPD Ba nda Aceh
1 2 9 -
22
BPD Suma tera Uta ra (Sumut)
1 3 1 -
23
BPD Suma tera Ba ra t (Sumba r)
1 2 2 1
24
BPD Ri a u
1 2 3 1
25
BPD Suma tera Sel a ta n (Sums el )
1 3
- 2
26
BPD Ka l i ma nta n Sel a ta n (Ka l s el )
1 2
- -
27
BPD Ka l i ma nta n Ba ra t (Ka l ba r)
1 1
- -
28
BPD Ka l i ma nta n Ti mur (Ka l ti m)
1 2 7 2
29
BPD Sul a wes i Sel a ta n (Sul s el )
1 3 1 -
30
BPD Nus a Tengga ra Ba ra t (NTB)
1 1
- -
31
PT BTN
1 20 3 -
32
PT Ba nk Ta bunga n Pens i una n Na s i ona l (BTPN)
1 2 21 -
33
PT OCBC NISP
1 3
- -
34
PT Ba nk Si na rma s
1 1
- 1
Bank Pembiayaan Rakyat Syariah
Islamic Rural Bank
TOTAL
182 424 706 361
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 - IB U = Islamic B anking Unit - HOO = Head Operatio nal Office - B O = B ranch Office - SB O/SSU = Sub B ranch Office/Syari’ a Services Unit - CO = Cash Office - No t Include Office Channeling
148
23
-
111
No te: - HO = Head Office11 299 639 205
23 102 67 45
Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)
- KCP /UP S = Kanto r Cabang P embantu/ Unit P elayanan Syariah
3
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 Jawa Barat 26 28 28 28 27 27 27 27 27 27 27 27 27 27 27 27 27 27 2 Banten 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 3 DKI Jakarta 0 0 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 4 D.I. Yogyakarta 2 3 6 9 9 9 9 9 9 10 10 10 10 10 10 10 10 10 5 Jawa Tengah 8 11 13 15 19 19 19 19 19 19 19 19 19 20 20 20 20 21 6 Jawa Timur 12 17 19 23 25 25 25 25 25 26 26 27 27 27 27 27 27 28 7 Bengkulu 2 2 2 2 2 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 0 0 0 0 0
9 Nanggroe Aceh Darussalam 5 5 5 6 7 7 7 7 8 8 9 9 9 9 10 10 10 10
10 Sumatera Utara 6 6 7 7 7 7 7 7 8 8 8 8 8 8 8 8 8 8
11 Sumatera Barat 3 4 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6
12 Riau 2 2 2 4 4 4 4 4 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 1 1 1 1 1
14 Kepulauan Bangka Belitung 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
15 Kepulauan Riau 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 16 Lampung 3 3 3 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 17 Kalimantan Selatan 1 1 1 1 1 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 0 0 0 0 0 19 Kalimantan Timur 1 1 1 1 1 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 0 0 0 0 0 21 Sulawesi Tengah 0 0 0 0 0 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 7 7 7 7 7 23 Sulawesi Utara 0 0 0 0 0 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 0 0 0 0 0 25 Sulawesi Barat 0 0 0 0 0 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 0 0 0 0 0
27 Nusa Tenggara Barat 2 3 3 3 3 3 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 1 1 1 1 1
29 Nusa Tenggara Timur 0 0 0 0 0 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 0 0 0 0 0
31 Papua 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
32 Irian Jaya Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
33 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 92 105 114 131 138 138 138 138 140 142 143 144 144 145 146 146 146 148
2010
(Number of Islamic Rural Bank based on Location)
Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi
Provinsi (Province) 2005 2006 2007 2008 2009
4
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
1
UUS Bank Danamon
0
7
70
70
80
137
137
137
137
137
137
137
137
137
137
137
137
137
2
UUS Bank Permata
0
212
184
186
192
192
192
192
192
192
192
192
192
192
192
192
192
192
3
UUS BII
0
4
8
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
4
UUS Bank Tabungan Negara
0
27
36
64
116
107
116
116
116
116
116
116
116
116
116
116
116
116
5
UUS CIMB Niaga
0
43
63
143
505
481
505
505
507
500
500
500
522
522
522
522
522
522
6
UUS BTPN
0
0
0
8
12
12
12
12
12
12
12
12
12
12
12
12
12
12
7
UUS HSBC
0
0
7
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
8
UUS BPD DKI
0
10
21
33
34
34
34
34
34
34
34
34
34
34
34
34
34
34
9
UUS BPD Banda Aceh
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10 UUS BPD Sumut
0
0
63
76
84
84
84
84
84
84
84
84
84
84
84
84
84
84
11 UUS BPD Riau
0
0
8
33
37
37
37
37
37
37
37
37
37
37
37
37
37
37
12 UUS BPD Sumbar
0
0
-
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
13 UUS BPD Sumsel
0
0
41
41
41
41
41
41
41
41
41
41
41
41
41
41
41
41
14 UUS BPD Jateng
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
15 UUS BPD DIY
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
16 UUS BPD Jatim
0
0
0
0
37
2
2
37
37
37
37
37
37
37
37
37
37
37
17 UUS BPD Kalsel
0
0
10
10
15
15
15
15
15
15
15
15
15
15
15
15
15
15
18 UUS BPD Kalbar
0
0
0
1
5
3
5
5
5
5
5
5
5
5
5
5
5
5
19 UUS BPD Kaltim
0
0
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
20 UUS BPD Sulsel
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
21 UUS BPD Nusa Tenggara Barat
0
0
1
10
11
11
11
11
11
11
11
11
11
11
11
11
11
11
22 UUS OCBC NISP
0
0
0
0
0
0
0
0
0
0
0
0
0
0
23 UUS Bank Sinarmas
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24 UUS BNI
0
136
636
640
641
641
641
641
641
641
641
641
641
25 UUS BPD Jabar dan Banten
0
9
9
28
28
28
28
28
28
28
28
28
26 UUS BEI
0
0
0
0
27 UUS Bukopin
0
7
27
29
28 UUS IFI
0
1
1
1
29 UUS BRI
0
0
0
0
30 UUS Lippo
0
0
0
2010
Tabel 4. Layanan Syariah (Office Channeling)
5
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
3,523 3,913 4,311 6,609 10,348 9,587 9,880 10,348 10,304 10,840 11,082 11,919 12,439 13,349 13,594 13,829 13,828 14,708
1,436 1,797 2,266 2,562 2,296 2,232 2,250 2,296 2,365 2,354 2,439 2,469 2,273 1,615 1,717 1,750 1,752 1,783
1,037 1,666 2,108 2,581 2,799 2,803 2,763 2,799 2,793 2,805 2,813 2,838 3,030 3,031 3,039 3,035 3,068 3,111
2010
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)
2009
6
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 Kas (Cash) 226 346 488 759 1,017 804 869 1,017 996 941 975 935 1,046 1,161 1,199 1,405 1,803 1,310 2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 3,180 3,641 4,540 5,189 10,393 7,676 7,888 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 3 Penempatan pada Bank Lain (Placement in Other Bank) 1,058 991 1,667 1,978 3,036 2,391 2,512 3,036 3,150 3,348 3,337 3,156 3,263 3,458 3,413 3,495 3,609 3,640 4 Surat Berharga yang Dimiliki (Investment in Securities) 730 829 1,388 2,683 3,786 2,852 3,644 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5 Pembiayaan (Financing) 15,270 20,445 27,944 38,199 46,886 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995
6 Tagihan Lainnya (Billing and Acceptable Liabilities) 21 15 182 136 171 184 215 171 173 208 187 213 185 229 263 251 460 236
7 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 2 31 9 32 24 25 25 24 24 24 28 30 13 13 14 14 14 14
8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 307 515 785 1,148 1,649 1,800 1,646 1,649 1,755 1,867 1,841 1,905 2,182 2,006 2,089 2,144 2,226 2,236 9 Penyertaan (Investment in other entities) 6 6 41 79 83 83 83 83 83 83 83 83 88 88 88 88 88 88
10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 236 270 296 436 672 598 601 672 675 677 683 712 737 748 774 783 790 816
11 Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 24,882 33,853 28,703 30,542 33,853 33,097 34,311 34,927 35,988 36,441 38,616 40,772 41,205 42,969 44,282 12 Rupa-rupa Aktiva (Other assets) 495 621 743 1,200 1,623 1,296 1,382 1,623 1,729 1,805 1,793 1,805 1,909 2,017 2,085 2,075 2,118 2,134 20,880 26,722 36,538 49,555 66,090 59,679 61,359 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 PASIVA 1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 36,852 52,271 46,500 47,887 52,271 53,163 53,299 52,811 54,043 55,067 58,078 60,462 60,972 63,912 66,478 2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia) 32 32 32 68 6 6 6 6 6 6 5 5 5 5 4 4 4 4
3 Kewajiban kepada Bank Lain (Liabilities to other Bank) 980 874 1,951 2,419 3,717 3,006 3,322 3,717 3,392 3,444 3,910 3,596 3,472 3,843 3,937 4,151 4,765 4,016 4 Surat Berharga yang Diterbitkan (Securities) 265 268 350 311 340 340 340 340 340 340 395 340 340 340 340 340 340 340
5 Pinjaman Diterima (Received Borrowing) 204 181 155 150 512 550 523 512 512 512 506 308 307 299 298 298 290 289
6 Kewajiban lainnya (Other Liabilities) 210 285 473 727 845 729 767 845 819 960 983 1,072 960 1,020 1,033 929 989 1,020 7 Pinjaman Subordinasi (Subordinated Loan) - - - - 50 - - 50 50 50 50 50 50 50 50 50 50 50
8 Antar Kantor Pasiva (Inter -Office Liabilities) 7,459 10,544 17,428 30,283 37,601 32,821 34,819 37,601 37,678 38,921 39,939 40,990 41,445 43,037 44,828 46,064 47,789 48,640 9 Rupa-rupa Pasiva (Other Liabilities) 185 218 260 463 582 522 520 582 618 669 713 614 592 636 686 687 758 808
10 Modal disetor (Paid-in capital) 951 991 1,017 1,752 1,946 1,801 1,801 1,946 2,279 2,279 2,284 2,637 3,137 4,138 4,592 4,592 5,092 5,911 11 Tambahan modal disetor ( Additional paid-in capital) 132 142 132 466 468 466 466 468 135 135 135 689 689 689 1,073 1,073 573 572
12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) - - - 13 - - - - 3 3 3 3 3 8 9 14 19 11
13 Cadangan (Reserves) 230 268 275 335 449 449 449 449 449 449 449 465 439 434 464 464 464 490
a. Cadangan Umum (General Reserves) 230 268 275 335 449 449 449 449 449 449 449 465 439 434 464 464 464 490
b. Cadangan Tujuan (Special Purpose Reserves) - - - - - 14 Laba (Net Income) - a. Tahun-tahun lalu (Previous years) (76) 27 149 152 315 308 308 315 959 959 907 824 753 733 527 527 527 527
b. Tahun berjalan (Current year) 238 355 540 432 791 558 634 791 83 179 328 425 301 506 604 680 852 978
Tabel 6 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet)
Miliar Rupiah (in Billion IDR )
2006 2007 2008 2005 2010 2009 TOTAL AKTIVA* 2009
7
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 Kas (Cash) 11,723 19,341 25,090 25,150 28,938 30,808 35,673 28,938 35,899 40,455 35,441 30,706 36,970 35,362 31,786 38,126 37,047 36,983 2 Penempatan pada Bank Lain (Placement in Other Bank) 102,597 185,208 232,589 334,050 407,663 337,476 338,007 407,663 415,102 380,181 369,360 364,523 356,863 354,453 377,388 323,802 392,204 427,857 3 Pembiayaan (Financing) 417,282 615,469 890,709 1,256,610 1,586,919 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 4 Tagihan Lainnya (Billing and Acceptable Liabilities) - - - - - 5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 15,119 - - (464) 350 350 350 350 350 350 350 350 350 350 350 313 313 - 6 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 7,901 11,994 17,491 35,339 32,413 32,385 32,887 32,413 33,018 34,847 34,611 35,415 36,223 36,814 38,581 38,563 40,373 42,322 7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 40,499 46,595 44,908 45,501 46,595 45,827 48,226 48,708 49,530 53,054 54,421 56,800 56,402 57,116 59,436 8 Rupa-rupa Aktiva (Other assets) 25,788 52,873 48,921 62,327 73,461 74,328 76,970 73,461 75,981 80,112 81,556 81,092 83,310 80,456 81,112 83,510 83,831 81,684 585,467 896,017 1,215,916 1,693,332 2,123,581 2,014,021 2,051,436 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834
PASIVA
1 Dana Pihak Ketiga (Depositor Funds) 340,892 521,152 717,858 975,815 1,250,603 1,201,652 1,228,468 1,250,603 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,235 1,457,768 1,531,242 2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 37,110 97,561 175,803 271,481 353,068 313,243 317,435 353,068 348,109 350,059 377,113 391,543 404,192 441,299 467,608 464,200 489,733 493,333 3 Pinjaman Diterima (Received Borrowing) 37,574 39,757 51,544 68,268 56,744 59,942 55,001 56,744 49,407 52,457 49,641 47,746 46,065 49,909 53,516 56,043 51,385 55,027 4 Kewajiban lainnya (Other Liabilities) 8,992 8,808 10,912 19,545 18,419 14,145 13,758 18,419 16,550 16,735 16,701 16,749 15,684 16,983 18,695 22,105 20,477 18,500 5 Pinjaman Subordinasi (Subordinated Loan) 3 3 3 3 353 3 3 353 453 803 903 903 253 350 350 350 350 650 6 Rupa-rupa Pasiva (Other Liabilities) 12,212 16,717 24,989 35,861 33,351 31,085 33,470 33,351 29,525 31,408 30,860 30,633 38,122 35,889 39,122 40,105 45,739 50,969 7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 221,651 294,942 272,395 285,153 294,942 293,259 296,323 294,904 298,964 310,589 315,472 329,211 327,137 333,146 336,877 8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 54,605 41,929 53,918 44,967 41,929 39,568 44,889 48,594 55,331 56,214 56,906 44,636 45,218 46,118 46,135 9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) - - - - - 10 Cadangan (Reserves) 9,345 16,833 20,684 28,338 36,817 36,650 36,799 36,817 37,887 38,053 40,529 41,594 47,004 47,545 47,722 48,007 43,205 42,987
a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 16,638 22,582 22,410 22,587 22,582 23,334 24,194 26,345 27,248 30,170 30,621 30,769 31,073 30,955 30,989 b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 11,699 14,235 14,240 14,211 14,235 14,552 13,859 14,184 14,346 16,834 16,924 16,952 16,934 12,250 11,997 11 Laba (Net Income) -
a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) (14,501) (22,111) (21,346) (21,736) (22,111) 30,021 24,646 12,690 (345) (17,300) (20,858) (22,900) (23,952) (23,414) (25,455) b. Tahun berjalan (Current year) 16,499 20,966 27,064 29,787 54,599 47,561 53,345 54,599 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,639 62,662 585,467 896,017 1,215,916 1,693,332 1,962,225 2,014,021 2,051,436 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834
2005 2009
* Net
TOTAL PASIVA* TOTAL AKTIVA*
Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)
Juta Rupiah (in Million IDR)
2008
2009 2006 2007
8
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 2,177 3,085 3,795 5,093 6,620 5,366 5,957 6,620 631 1,244 1,937 2,607 3,267 3,715 4,484 5,252 6,143 6,962 2 194 288 406 632 1,551 1,003 1,106 1,551 234 225 330 452 526 585 660 756 844 983 3 565 838 1,260 2,061 3,500 2,821 3,159 3,500 308 609 951 1,296 1,608 2,077 2,341 2,734 3,131 3,537
4 925 1,306 1,468 1,938 2,697 2,209 2,448 2,697 253 484 745 1,002 1,249 1,411 1,687 1,967 2,271 2,588
Total pendapatan (Total Revenue) 2,012 2,905 3,993 5,848 8,975 6,981 7,773 8,975 920 1,594 2,473 3,353 4,151 4,967 5,798 6,775 7,847 8,894
0
1 939 1,324 1,774 2,603 3,135 2,506 2,807 3,135 466 662 955 1,305 1,832 1,895 2,268 2,664 3,059 3,479 2 202 263 317 492 1,485 959 1,027 1,485 53 124 206 282 350 417 491 584 671 750 3 573 904 1,273 2,147 3,523 2,854 3,188 3,523 308 610 951 1,295 1,609 2,076 2,344 2,741 3,142 3,548
Total Beban (Total Expenses) 1,714 2,491 3,365 5,242 8,143 6,319 7,022 8,143 827 1,395 2,112 2,882 3,790 4,387 5,103 5,989 6,872 7,777
298 414 628 605 832 663 751 832 93 199 361 471 361 580 696 786 975 1,117 16 25 33 78 (73) 0 0 (73) 0 0 0 0 0 0 0 2 2 2 282 389 595 528 904 663 751 904 93 199 361 471 361 580 695 784 973 1,115 44 34 55 92 135 105 118 135 10 20 33 46 60 74 92 108 125 141 238 355 540 432 791 558 634 791 83 179 328 425 301 506 604 680 852 978 2010 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)
Beban operasional (Operating Expenses)
D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)
E. Laba tahun berjalan sebelum pajak (Net Income before Tax)
2005
Pendapatan Operasional (Operating Revenue)
2006
B. Beban (Expenses)
Pendapatan non operasional (Non operating Revenue) Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted
Investment)
-/-Beban non operasional (Non Operating Expenses) Beban operasional lainnya (Other Operating Expenses)
C. Laba tahun berjalan (Income)
2009 A. Pendapatan (Revenue)
G. Laba setelah taksiran pajak penghasilan (Net Income)
2009
F. Taksiran pajak penghasilan (Tax Expense)
-/-2007 2008
9
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 97,275 154,633 203,063 293,964 382,183 308,403 342,616 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965 396,026 2 9,629 15,945 22,927 32,883 43,074 33,482 37,955 43,074 3,735 7,919 12,696 17,140 21,757 26,361 31,006 35,644 37,972 43,920 3 1,249 3,676 6,159 6,714 8,085 6,255 6,892 8,085 376 721 1,237 1,732 2,335 2,981 3,583 4,117 5,300 10,850
4 33,430 49,949 77,246 108,154 138,769 112,361 125,618 138,769 12,991 26,052 39,794 54,246 69,208 84,076 99,240 113,894 130,010 147,580
Total pendapatan (Total Revenue) 88,894 142,364 186,295 267,795 347,193 281,176 311,553 347,193 30,165 61,981 94,854 129,179 165,762 201,396 239,196 271,987 315,293 362,956
0
1 49,378 82,315 105,458 162,045 194,209 155,161 172,237 194,209 15,926 34,023 51,838 68,801 87,964 106,966 128,157 148,417 172,254 195,619 2 2,518 10,217 8,455 14,767 24,593 18,278 19,752 24,593 1,864 5,312 7,992 9,987 13,591 15,996 19,432 22,243 24,588 28,620 3 1,378 3,310 6,797 8,214 8,565 6,331 6,951 8,565 765 1,037 1,414 1,810 2,096 2,520 2,978 3,537 3,956 6,469
Total Beban (Total Expenses) 53,274 95,842 120,709 185,027 227,368 179,770 198,940 227,368 18,556 40,371 61,244 80,598 103,651 125,482 150,567 174,196 200,799 230,708
21,449 27,407 34,193 40,381 67,000 56,009 62,545 67,000 6,063 11,336 19,120 28,487 36,354 44,299 51,401 55,181 60,420 72,193 180 300 372 626 967 562 685 967 78 187 191 268 338 405 509 606 664 722 21,269 27,107 33,821 39,755 66,033 55,447 61,860 66,033 5,984 11,149 18,929 28,219 36,016 43,894 50,892 54,575 59,755 71,471 4,770 6,224 7,013 9,976 11,495 7,886 8,898 11,495 874 1,819 2,595 3,619 4,646 5,589 6,588 7,311 8,128 9,125 16,499 20,883 26,809 29,787 54,562 47,561 53,345 54,562 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635 62,662 2010 Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )
Juta Rupiah (in Million IDR)
2008 2005 2006
G. Laba setelah taksiran pajak penghasilan (Net Income) F. Taksiran pajak penghasilan (Tax Expense)
-/-Beban non operasional (Non Operating Expenses)
B. Beban (Expenses)
Beban operasional lainnya (Other Operating Expenses)
2009
Pendapatan Operasional Lainnya (Other operating Revenue)
E. Laba tahun berjalan sebelum pajak (Net Income before Tax) Pendapatan Operasional (Operating Revenue)
C. Laba tahun berjalan (Income)
Beban operasional (Operating Expenses)
2009 2007
Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted
Investment)
-/-Pendapatan non operasional (Non operating Revenue)
D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)
10
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 67 90 135 180 154 106 121 154 9 16 25 39 54 65 83 106 131 159
2 20 19 19 32 45 31 34 45 4 7 12 17 22 29 37 41 45 48
87 109 153 212 200 137 155 200 12 23 37 56 75 93 120 147 176 207 2010
(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)
Miliar Rupiah (in Billion IDR)
Biaya pendidikan dan pelatihan (Cost of education and training)
2007 2008 2009
Total
2009 2005 2006
11
Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct
1 826 1,300 2,284 4,178 4,826 3,664 4,184 4,826 269 629 949 1,390 1,844 2,353 2,877 3,474 4,224 4,823
2 686 1,649 1,889 2,727 3,622 2,523 3,026 3,622 382 675 993 1,357 1,713 2,255 2,688 2,976 3,383 3,862
1,512 2,949 4,173 6,905 8,448 6,188 7,210 8,448 651 1,304 1,942 2,747 3,556 4,608 5,565 6,450 7,607 8,685 2010
(Cost of Promotion, Education and Training - Islamic Rural Bank) Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah
Juta Rupiah (in Million IDR)
2009
Total
Biaya pendidikan dan pelatihan (Cost of education and training)
2008
Biaya promosi (Cost of promotion)
2009 2005 2006 2007
