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 13 3 26 1 13 5 37 1 13 7 46

2. PT Bank Syariah Mandiri 1 8 5 0 1 23 0 6 1 30 4 13

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 1 12 0 0

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

4. PT Bank Rakyat Indonesia 1 2 0 0

5. PT Bank Danamon 1 5 0 0

6. PT Bank Bukopin 1 2 0 0

7. PT Bank Internasional Indonesia

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 84 28 8 26 86 48 5 43 91 68 11 59 83 0 0 0 6 25 0 0 2002 2 43 11 59 79 0 0 0 3 7 0 0 2000 2 21 8 26 81 0 0 0 3 12 0 0 2001 2 36 5 43

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

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

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

8. HSBC, Ltd.

TOTAL 93 76 13 60 95 84 17 75 93 100 17 100 Mar-03 2 45 12 60 6 31 1 0 0 85 0 0 0 84 0 0 7 1 1 0 86 0 0 0 7 32 0 Jun-03 2 52 16 75 Sep-03 16 100 2 67 33

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

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

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

5. PT Bank Danamon 1 10 0 0 1 10 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 2 0 0 1 2 0 0 1 2 0 0

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

TOTAL 94 116 26 113 94 119 26 114 92 120 26 114 84 0 0 0 8 42 6 0 2 74 20 113 82 0 0 0 8 42 6 0 Dec-03 Feb-04 2 78 20 114 77 20 114 Jan-04 2 84 0 0 0 8 42 6 0 Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - KK = Kantor Kas (termasuk Gerai)

Note: - HO = Head Office - IBU = Islamic Banking Unit - HOO = Head Operational Office - BO = Branch Office - SBO = Sub Branch Office - CO = Cash Office

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Tabel

2. Aset Perbankan Syariah (Juta Rupiah)

Assets of Islamic Banks (Million IDRs)

KETERANGAN Mar-03 Jun-03 Sep-03 Nov-03 Dec-03 Jan-04

ITEMS

1. Kas 65,802 78,023 88,616 111,052 127,190 111,979 Cash

2. Penempatan pada BI 689,826 823,048 1,375,9281,243,415 1,874,925 2,255,583 Placement at Bank Indonesia

3. Penempatan pada bank lain 186,862 197,414 281,569 380,418 242,923 307,774 Inter-bank assets

4. Pembiayaan yang diberikan 4,161,7063,662,587 4,832,246 5,466,361 5,530,167 5,860,492 Financing extended

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

6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (96,350) (88,229) (98,599) (125,691) (91,461) (95,832) Allowances for earning assets losses (PPAP)

a. Cadangan umum PPAP -/- (37,756) (37,240) (40,542) (51,079) (51,379) (53,828) PPAP General provision

b. Cadangan Khusus PPAP -/- (58,594) (50,989) (58,057) (74,612) (40,082) (42,004) PPAP Special provision

7. Aktiva tetap dan investaris 101,771 103,805 130,129 135,579 137,519 144,379 Fixed assets and inventory

a. Tanah dan gedung 42,184 41,675 55,465 58,731 57,248 58,119 Land and building

b. Akumulasi penyusutan gedung -/- (7,763) (7,374) (8,242) (9,114) (8,977) (9,268) Building accumulated depreciation

c. Inventaris 120,862 128,379 149,110 156,142 159,711 171,700 Inventory

d. Akumulasi penyusutan inventaris -/- (53,512) (58,875) (66,204) (70,180) (70,463) (76,172) Accumulated depreciation of inventory

8. Rupa-rupa aktiva 19,650 24,583 79,875 96,013 35,560 171,162 Other assets

J U M L A H 5,302,4454,632,242 6,559,345 7,441,755 7,858,918 8,757,632

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 Mar-03 Jun-03 Sep-03 Nov-03 Dec-03 Jan-04

ITEMS 1. Giro wadiah 411,082 387,316 602,950 546,857 637,478 664,621 Wadiah-current accounts 2. Tabungan mudharabah 1,303,6671,018,925 1,290,680 1,433,202 1,610,616 1,903,930 Mudharabah-saving accounts 3. Deposito mudharabah 2,090,7761,892,842 2,752,558 3,180,897 3,476,815 4,054,418 Mudharabah-investment accounts 4. Kewajiban terhadap BI 37,329 34,430 36,367 35,420 34,836 35,429 Liabilities to Bank Indonesia

5. Kewajiban kepada bank lain 93,544 175,481 216,537 347,414 281,552 264,282 Inter-bank liabilities

6. Pembiayaan yang diterima 207,267 211,314 415,472 418,485 417,791 418,307 Received Financing

7. Kewajiban lainnya 89,154 44,728 55,236 52,731 54,051 68,026 Other payables

8. Setoran jaminan 3,633 3,669 7,568 3,118 4,006 5,379 Guarantee deposits

9. Antar Kantor Bersih 134,522 220,584 317,298 421,935 361,534 323,380 Interoffice net

a. Melakukan kegiatan operasional di Indonesia 134,522 220,584 317,298 421,935 361,534 323,380 Activities in Indonesia

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

10. Rupa-rupa pasiva 59,388 83,005 87,486 111,989 98,446 102,866 Other liabilities 11. Modal disetor 578,067 628,067 625,528 625,528 625,528 625,528 Paid-in capital a. Modal dasar 1,500,0001,500,000 1,500,000 1,500,000 1,500,000 1,500,000 Authorized capital

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

12. Perkiraan tambahan modal disetor 806 806 806 873 1,017 894 Additional paid-in capital account

a. Agio 806 806 806 806 806 806 Agio b. Disagio - - - Disagio 13. Cadangan 32,779 34,371 34,371 34,371 34,381 34,371 Reserves a. Cadangan Umum 32,779 34,371 34,371 34,371 34,381 34,371 General reserves b. Cadangan Tujuan - - - Appropriated reserves 14. Laba/rugi 72,904 84,231 96,488 88,935 80,867 113,201 Profit/Loss a. Tahun-tahun lalu 53,484 51,953 40,889 40,422 38,204 106,502 Previous years i. Laba 53,506 51,975 47,675 47,675 45,457 115,556 Profit ii. Rugi -/- (22) (22) (6,786) (7,253) (7,253) (9,054) Loss b. Tahun berjalan 19,420 32,278 55,599 48,513 42,663 6,699 Current year i. Laba 40,377 77,542 133,514 173,181 171,768 26,971 Profit ii. Rugi -/- (20,957) (45,264) (77,915) (124,668) (129,105) (20,272) Loss J U M L A H 5,302,4454,632,242 6,559,345 7,441,755 7,858,918 8,757,632

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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% 11.44% 5.61% 7.02% 5.54% 6.01% 4.13% 5.31% 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 9.00 10.00 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 Dec-03 Jan-04

Trily un Rupiah (Trillion IDRs)

-4% -2% 0% 2% 4% 6% 8% 10% 12% 14% 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 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 Dec-03 Jan-04

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) 416,649 387,316 602,950 546,857 637,478 664,621

Wadiah currency account Pangsa (Share) 12.42% 10.24% 12.98% 10.60% 11.14% 10.04%

Tabungan Mudharabah Nilai (Amount) 1,303,6671,033,857 1,290,680 1,433,202 1,610,616 1,903,930

Mudharabah saving account Pangsa (Share) 30.83% 34.47% 27.78% 27.77% 28.13% 28.75%

Deposito Mudharabah Nilai (Amount) 2,090,7761,903,081 2,752,558 3,180,897 3,476,815 4,054,418

Mudharabah investment account Pangsa (Share) 56.75% 55.29% 59.24% 61.63% 60.73% 61.22% 3,353,587

3,781,759 4,646,188 5,160,956 5,724,909 6,622,969

Sep-03 Nov-03 Dec-03

Total DANA PIHAK KETIGA

DEPOSIT FUND Mar-03 Jun-03 Jan-04

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 8.00 8.50 9.00 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 Dec-03 Jan-04

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) 29,730 28,758 27,955 27,116 26,517 26,214

Sindicated Financing Pangsa (Share) 0.81% 0.69% 0.58% 0.50% 0.48% 0.45%

Dalam rangka restrukturisasi pembiayaan Nilai (Amount) 614 535 532 500 388 380

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

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

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

Pembiayaan Musyarakah Nilai (Amount) 70,395 86,729 152,901 288,517 305,997 315,886

Musharakah Financing Pangsa (Share) 1.92% 2.08% 3.16% 5.28% 5.53% 5.39%

Pembiayaan Mudharabah Nilai (Amount) 533,795 586,861 710,318 824,276 794,244 899,615 Mudharabah Financing Pangsa (Share) 14.57% 14.10% 14.70% 15.08% 14.36% 15.35% Piutang Murabahah Nilai (Amount) 2,999,6782,607,585 3,449,555 3,893,148 3,955,815 4,149,921 Murabahah Receivable Pangsa (Share) 71.20% 72.08% 71.39% 71.22% 71.53% 70.81% Piutang Salam Nilai (Amount) - - -

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

Piutang Istishna' Nilai (Amount) 248,016 240,614 264,665 289,205 295,960 298,703

Istishna' Receivable Pangsa (Share) 6.77% 5.78% 5.48% 5.29% 5.35% 5.10%

Lainnya Nilai (Amount) 172,446 218,527 226,317 143,597 151,246 169,771

Others Pangsa (Share) 4.71% 5.25% 4.68% 2.63% 2.73% 2.90%

3,662,587

4,161,706 4,832,246 5,466,361 5,530,167 5,860,492 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

Des-2003

25% 72% 0% 3%

Jan-2004

27%

69%

0%

4%

Nov-2003

19% 76% 0% 5% Penempatan pada BI (Plcment at BI)

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

Nov-2003

10%

56%

8%

26% Giro Wadiah (Wadiah-cur. acc.)

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

Jan-2004

9% 58% 6% 27%

Des-2003

10% 57% 7% 26%

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

Sources of Fund, Financing, and FDR of Islamic Banks

96.60% 88.49% 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 6.50 7.00 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 Dec-03 Jan-04

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 7.00

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) 3,741,5713,335,280 4,427,765 4,936,514 5,148,784 5,437,221

Current Pangsa (Share) 91.06% 89.90% 91.63% 90.31% 93.10% 92.78%

Dalam Perhatian Khusus Nilai (Amount) 182,165 256,684 213,284 344,689 251,756 270,012

Special Mention Pangsa (Share) 4.97% 6.17% 4.41% 6.31% 4.55% 4.61%

Kurang Lancar Nilai (Amount) 57,347 84,633 94,267 83,993 57,641 68,097

Sub-standard Pangsa (Share) 1.57% 2.03% 1.95% 1.54% 1.04% 1.16%

Diragukan Nilai (Amount) 18,642 27,016 32,129 30,134 16,260 19,357

Doubtful Pangsa (Share) 0.51% 0.65% 0.66% 0.55% 0.29% 0.33%

Macet Nilai (Amount) 69,153 51,802 64,801 71,031 55,726 65,805

Loss Pangsa (Share) 1.89% 1.24% 1.34% 1.30% 1.01% 1.12%

3,662,587 4,161,706 4,832,246 5,466,361 5,530,167 5,860,492 145,142 163,451 191,197 185,158 129,627 153,259 3.96% 3.93% 3.96% 3.39% 2.34% 2.62% Percentage of NPFs KOLEKTIBILITAS PEMBIAYAAN

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

COLLECTIBILITY OF FINANCING Mar-03 Jun-03 Sep-03 Nov-03 Dec-03 Jan-04

*) 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 30.88 -7.50 36.84 -10.21 44.35 -13.66 51.53 -18.12 58.02 -16.98 65.46 -20.14 90.06 -7.03 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 -124.67 171.77 -129.11 -20.27 26.97 -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 -70 .00 -6 0.0 0 -50 .00 -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 0 150 .00 16 0.0 0 170 .00 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 Dec-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) 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 November 18-Nov-03 6,000 8.800 59.67 1 5.2510 2004 23-Jan-04 3,000 - - 3 4.8469 Februari 16-Feb-04 8,000 6.500 48.50 1 3.1525

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

Periode Volume Transaksi (Juta Rupiah)

Tingkat Indikasi Imbalan Sertifikat IMA (%) _{Jangka Waktu} (hari)

Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt Indikasi Imbalan Sertifikat IMA (%)

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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 Ja n -0 4 F eb-0 4

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 3 8 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 J an-04 Feb-04

Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)

Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

-500 1,000 1,500 2,000 2,500 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 Ja n -0 4 F eb-0 4

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 2, 0 1, 9 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 Jun-01 J ul -01 A u g-01 Sep-01 Oct -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 Jul -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 J an-04 Feb-04

(14)

Tabel

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

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

Nominal

Share

Total Assets

_7.86

0.74%

_1068.40

Deposit Fund

_5.72

0.64%

_888.60

Credit/Financing extended

_5.53

1.16%

_477.19

**LDR/FDR*)**

_96.60%

53.70%

NPL

_2.34%

_8.2%

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% 1.40% 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 0. 65 0. 74 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 0. 59 0. 64 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 1. 15 1. 16 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37