2015Tabel 2.4 Perkembangan Aset Perbankan Syariah

Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^*)

Ags

^*)

Sep

^*)

Bank Umum Syariah 116.930 147.581 180.360 195.085 196.253 197.539 204.961 197.385 197.854 198.553 198.151 200.416 200.217 200.217 200.217 200.217 Syariah Commercial Banks Unit Usaha Syariah 28.536 47.437 61.916 62.434 64.112 64.389 67.383 66.084 66.965 69.804 71.320 71.981 73.277 73.277 73.277 73.277 Syariah Business Units

Ket: r) Revised figures

*) Provisional figures

2011 Indicator

r) Angka-angka diperbaiki

*). Angka-angka sementara

2014 2013

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

2015

Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^*)

Ags

^*)

Sep

^*)

Pembiayaan iB 102.655 151.754 184.120 196.563 196.491 198.376 199.330 197.279 197.543 200.712 201.526 203.894 206.056 206.056 206.056 206.056 Financing iB a. Lancar 95.480 142.501 171.229 173.541 172.501 173.142 177.231 169.852 166.940 170.936 170.931 173.106 175.113 175.113 175.113 175.113 a. Current b. Dalam Perhatian Khusus 4.587 5.822 8.063 13.848 14.649 15.591 13.467 17.819 20.522 20.126 21.283 21.081 21.188 21.188 21.188 21.188 b. Special Mention c. Kurang Lancar 1.075 995 1.353 2.627 2.794 2.611 2.467 2.740 2.851 2.751 2.664 3.014 2.922 2.922 2.922 2.922 c. Sub-Standard d. Diragukan 297 557 739 2.452 1.734 1.668 1.701 1.887 1.957 1.952 1.702 1.743 1.449 1.449 1.449 1.449 d. Doubtful e. Macet 1.216 1.878 2.735 4.095 4.812 5.363 4.465 4.981 5.273 4.947 4.946 4.950 5.384 5.384 5.384 5.384 e. Lost

2.588

3.430 4.828 9.175 9.341 9.642 8.632 9.608 10.081 9.650 9.312 9.707 9.755 9.755 9.755 9.755 2,52

2,26 2,62 4,67 4,75 4,86 4,33 4,87 5,10 4,81 4,62 4,76 4,73 4,73 4,73 4,73

Ket: r) Revised figures

*) Provisional figures

Tabel 2.5 Aktiva Produktif Perbankan Syariah (Earning Assets of Sharia Banks)

Miliar Rp (Billion Rp)

Non Performing Financing (Nominal)

Indicator 2014

2013

Non Performing Financing (Nominal)

2012

2015

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

r) Angka-angka diperbaiki

*). Angka-angka sementara Rasio Non Performing Financing

(%) Non Performing Financing Ratio

(%)

2011

Indikator

119

Nominal

Komposisi thdp total DPK (%) (Composition to Total Third Party Funds) (%)

Nominal

Komposisi thdp total DPK (%) (Composition to Total Third Party Funds) (%)

Nominal

Komposisi thdp total DPK (%) (Composition to Total Third Party Funds) (%)

Nominal

Komposisi thdp total DPK (%) (Composition to Total Third Party Funds) (%)

Nominal

Komposisi thdp total DPK (%) (Composition to Total Third Party Funds) (%)

Nominal

Komposisi thdp total DPK (%) (Composition to Total Third Party Funds) (%)

Giro Wadiah iB 12.006 11,79 17.708 12,00 18.523 10,09 17.339 8,92 18.649 8,56 21.943 10,28 Demand Deposit iB Rupiah 10.678 10,49 15.683 10,63 15.736 8,57 14.603 7,52 15.407 7,07 17.560 17.559,75 Rupiah Valas 1.329 1,30 2.026 1,37 2.787 1,52 2.736 1,41 3.242 1,49 4.383 4.382,76 Foreign Exchange

Deposito Mudharabah iB 70.806 69,55 84.732 57,44 107.812 58,74 122.105 62,84 135.629 62,26 130.506 61,13 Deposits iB Rupiah 67.942 66,74 80.576 54,62 100.105 54,54 112.318 57,81 126.071 57,87 119.846 56,14 Rupiah Valas 2.864 2,81 4.155 2,82 7.706 4,20 9.788 5,04 9.558 4,39 10.660 4,99 Foreign Exchange

Tabungan Mudharabah iB 32.602 32,02 45.072 30,55 57.200 31,17 57.697 29,69 63.581 29,18 61.029 28,59 Savings iB Rupiah 32.290 31,72 44.288 30,02 56.059 30,54 57.059 29,37 62.926 28,88 60.253 28,22 Rupiah Valas 312 0,31 784 0,53 1.141 0,62 680 0,35 655 0,30 776 0,36 Foreign Exchange

Total DPK iB 115.415 113,37 147.512 100,00 183.534 100,00 197.141 100,00 217.858 100,00 213.477 100,00 Total Third Party Funds iB Rupiah 110.910 108,94 140.547 95,28 171.900 93,66 183.979 94,69 204.404 93,82 197.659 92,59 Rupiah

Valas 4.505 4,42 6.965 4,72 11.634 6,34 13.162 6,77 13.454 6,18 15.819 7,41 Foreign Exchange

*) Provisional figures

Desember 2011

*). Angka-angka sementara

Desember 2013 Desember 2012

Indicator

September 2014*) September 2015

^*)

Tabel 2.6 Komposisi DPK Perbankan Syariah (Composition of Third Party Funds of Sharia Banks)

Miliar Rp (Billion Rp)

Indikator

Desember 2014

120 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^*)

Ags

^*)

Sep

^*)

Giro iB Wadiah Demand Deposit iB

Rupiah 2,15 1,01 0,74 0,69 0,83 0,77 0,70 0,82 0,80 1,01 1,01 0,85 0,79 0,79 0,79 0,79 Rupiah

Valas 1,13 0,26 0,11 0,33 0,36 0,34 0,34 0,36 0,35 0,49 0,49 0,46 0,48 0,48 0,48 0,48 Foreign Exchange

Deposito iB Mudharabah Deposits iB

Rupiah 7,46 6,33 5,10 7,96 7,89 7,81 8,39 7,74 9,57 8,09 8,09 7,78 7,41 7,41 7,41 7,41 Rupiah Valas 3,36 2,89 2,76 2,40 2,00 2,23 2,15 2,13 2,02 2,23 2,23 2,33 1,72 1,72 1,72 1,72 Foreign Exchange

Tabungan iB Mudharabah Saving iB

Rupiah 3,23 2,41 5,66 3,52 3,47 3,39 3,60 3,19 3,44 3,50 3,50 3,35 3,30 3,30 3,30 3,30 Rupiah Valas 0,87 0,68 1,01 0,77 0,78 0,76 0,74 0,77 0,79 0,79 0,79 0,80 0,79 0,79 0,79 0,79 Foreign Exchange

r) Revised figures

*) Provisional figures 1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

Tabel 2.7 Tingkat Bagi Hasil Rata-rata DPK Bank Syariah (Average of Profit Sharing Rates of Third Party Fund of Sharia Banks)

Persen (Percent)

Indikator 2011 2013 Indicator

2014 2012

r) Angka-angka diperbaiki

*). Angka-angka sementara

2015

121 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^*)

Ags

^*)

Sep

^*) 1. Pertanian, perburuan dan

sarana pertanian

13,72 15,07 15,46 17,20 17,45 17,70 17,90 17,50 17,37 17,20 17,23 16,22 15,86 15,86 15,86 15,86 1. Agriculture, hunting and

agricultural facilities

Rupiah 14,04 15,23 15,65 17,24 17,50 17,81 18,00 17,61 17,41 17,24 17,27 16,77 16,73 16,73 16,73 16,73 Rupiah

Valas 9,89 12,05 12,05 7,28 7,29 5,99 6,00 5,88 7,29 7,29 7,29 7,02 9,89 9,89 9,89 9,89 Foreign Exchange

2. Pertambangan 12,22 11,36 12,44 12,57 11,56 12,07 12,26 11,54 11,39 11,35 9,98 9,77 9,66 9,66 9,66 9,66 2. Mining

Rupiah 13,70 13,03 15,77 15,72 13,93 15,35 15,39 14,16 14,27 13,70 11,09 10,53 10,33 10,33 10,33 10,33 Rupiah

Rupiah 9,60 7,99 7,64 9,13 9,22 8,60 8,88 8,83 8,51 8,58 8,32 8,62 8,67 8,67 8,67 8,67 Foreign Exchange

3. Valas 13,49 12,18 11,45 13,18 13,26 13,46 13,71 12,82 12,93 13,24 12,82 12,64 12,74 12,74 12,74 12,74 3. Manufacturing

Rupiah 13,56 12,58 11,84 14,29 14,38 14,56 14,98 14,20 14,31 14,69 14,25 14,12 14,18 14,18 14,18 14,18 Rupiah

Valas 11,78 9,65 7,97 8,09 8,04 8,13 8,04 6,49 6,67 6,52 6,56 6,47 6,52 6,52 6,52 6,52 Foreign Exchange

4. Listrik, gas dan air 14,03 12,91 11,24 11,66 12,06 13,22 13,10 11,35 11,94 12,21 12,24 11,65 11,71 11,71 11,71 11,71 4. Electricity, gas and water

Rupiah 14,56 13,77 12,94 13,49 13,56 14,93 14,84 12,34 13,21 13,59 13,68 12,84 12,96 12,96 12,96 12,96 Rupiah

Valas 10,30 8,90 8,18 7,72 8,05 8,16 8,14 8,52 8,51 8,62 8,60 8,65 8,62 8,62 8,62 8,62 Foreign Exchange

5. Konstruksi 14,32 13,95 12,26 13,28 13,85 14,47 14,42 13,69 13,80 14,10 14,08 13,49 13,14 13,14 13,14 13,14 5. Construction

Rupiah 14,54 14,46 12,42 13,43 14,04 14,69 14,65 13,81 13,91 14,22 14,23 13,69 13,30 13,30 13,30 13,30 Rupiah

Valas 12,11 10,62 9,61 10,81 10,78 10,64 10,62 11,40 11,63 11,71 10,78 8,78 9,11 9,11 9,11 9,11 Foreign Exchange

6. Perdagangan, restoran dan hotel

19,25 18,33 17,87 21,09 20,82 21,03 21,01 20,51 20,59 20,20 20,01 19,93 20,31 20,31 20,31 20,31 6. Trade, restaurants and hotels

Rupiah 19,60 18,74 18,26 21,18 20,90 21,13 21,13 20,63 20,72 20,33 20,15 20,12 20,48 20,48 20,48 20,48 Rupiah

Valas 8,99 9,14 8,97 12,01 12,05 10,28 8,86 8,78 8,72 8,62 8,25 7,70 8,33 8,33 8,33 8,33 Foreign Exchange

7. Pengangkutan, pergudangan dan komunikasi

15,08 13,96 12,13 12,33 12,25 13,33 13,78 11,34 11,56 11,03 10,62 10,84 11,51 11,51 11,51 11,51 7. Transportation, warehousing

and communications

Rupiah 16,20 15,40 13,81 14,39 14,87 16,99 16,80 13,77 14,13 14,12 13,70 13,64 13,56 13,56 13,56 13,56 Rupiah

Valas 9,12 8,94 8,07 7,46 6,46 6,56 7,83 6,68 6,54 5,97 5,48 6,05 6,66 6,66 6,66 6,66 Foreign Exchange

8. Jasa Dunia usaha 14,37 13,86 13,20 13,55 14,32 14,74 14,55 13,85 14,07 14,31 14,04 13,69 13,60 13,60 13,60 13,60 8. Business Services

Rupiah 14,51 13,98 13,22 13,65 14,23 14,66 14,47 13,75 13,97 14,23 13,97 13,63 13,54 13,54 13,54 13,54 Rupiah

Valas 8,89 8,61 12,29 4,37 21,92 21,08 21,36 21,87 22,64 20,15 19,41 17,66 17,23 17,23 17,23 17,23 Foreign Exchange

9. Jasa sosial/masyarakat 14,57 12,76 11,66 16,96 17,82 17,06 16,94 16,03 16,22 17,49 16,11 15,69 15,70 15,70 15,70 15,70 9. Social Services

Rupiah 14,67 12,74 11,74 17,12 17,99 17,20 17,09 16,19 16,52 17,80 16,39 15,96 15,95 15,95 15,95 15,95 Rupiah

Valas 7,98 14,41 8,55 7,66 7,67 8,20 8,30 7,91 6,03 6,03 6,41 6,42 6,41 6,41 6,41 6,41 Foreign Exchange

10. Lain-lain 9,68 10,29 10,64 11,03 11,17 11,43 11,44 11,73 11,80 12,36 11,88 12,50 12,59 12,59 12,59 12,59 10. Others

Rupiah 9,99 10,63 11,03 11,04 11,18 11,43 11,44 11,73 11,80 12,36 11,88 12,50 12,59 12,59 12,59 12,59 Rupiah

Valas 0,78 0,36 0,54 1,20 0,14 2,36 ^r) 3,10 3,09 2,79 2,58 4,39 11,25 11,75 11,75 11,75 11,75 Foreign Exchange r) Revised figures

*) Provisional figures

Sektor Ekonomi

Sektor Ekonomi 2011 2012 2013

2014 2015

Tabel 2.8 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Sektor Ekonomi (Average of Margin Rates of Financing Based on Sector Economic)

Persen (Percent)

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

Ket: ¹⁾ terdapat formulasi baru untuk perhitungan bagi hasil akad ijarah r) Angka-angka diperbaiki

*) Angka-angka sementara -) Tidak ada

122 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^*)

Ags

^*)

Sep

^*)

Modal Kerja 15,33 14,33 13,38 17,11 17,37 17,69 17,68 16,59 16,88 17,07 16,17 15,72 15,89 15,89 15,89 15,89 Working Capital

Rupiah 15,65 14,63 13,73 17,82 17,97 18,34 18,25 17,21 17,55 18,06 17,11 16,60 16,55 16,55 16,55 16,55 Rupiah

Valas 9,67 9,29 8,05 8,02 9,57 9,37 10,36 8,86 8,58 7,75 7,21 7,39 8,10 8,10 8,10 8,10 Foreign Exchange

Investasi 14,42 13,96 13,00 13,66 14,10 14,21 14,27 13,53 13,57 13,87 13,97 13,79 13,83 13,83 13,83 13,83 Investment

Rupiah 14,74 14,37 13,33 14,72 15,24 15,36 15,40 14,50 14,54 14,80 14,92 14,76 14,82 14,82 14,82 14,82 Rupiah

Valas 10,14 9,48 10,19 8,01 8,14 8,13 8,14 8,23 8,32 8,39 8,31 8,32 8,61 8,61 8,61 8,61 Foreign Exchange

Konsumsi 9,68 10,38 10,79 11,10 11,45 11,95 11,93 11,88 11,96 12,36 12,27 12,51 12,56 12,56 12,56 12,56 Consumption

Rupiah 9,99 10,72 11,19 11,11 11,46 11,95 11,93 11,88 11,96 12,36 12,27 12,51 12,56 12,56 12,56 12,56 Rupiah

Valas 0,78 0,36 0,55 0,18 0,14 2,36 ^r) 3,10 3,09 2,79 2,58 4,43 11,17 11,75 11,75 11,75 11,75 Foreign Exchange

r) Revised figures

*) Provisional figures 1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

2012 2013 Type of Use

Jenis Penggunaan

Tabel 2.9 Tingkat Margin Rata-rata Pembiayaan Berdasarkan Jenis Penggunaan (Average of Margin Rates of Financing Based on Type of Use)

Persen (Percent) 2011

2014

Ket: ¹⁾ terdapat formulasi baru untuk perhitungan bagi hasil akad ijarah

r) Angka-angka diperbaiki *) Angka-angka sementara

2015

123 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Penyaluran Dana iB 3.328 4.459 5.544 5.855 5.980 6.055 6.287 6.283 6.333 6.427 6.498 6.531 6.512 6.608 6.754 6.825 Disbursement of Fund iB Pembiayaan iB 2.676 3.554 4.433 4.918 4.948 4.980 5.005 5.004 5.093 5.216 5.326 5.436 5.562 5.554 5.615 5.655 Financing iB Antar Bank Aktiva iB 652 906 1.110 937 1.032 1.075 1.282 1.279 1.240 1.211 1.172 1.095 950 1.054 1.140 1.170 Interbank Assets iB Sumber Dana iB 2.892 3.911 4.866 5.110 5.190 5.256 5.439 5.444 5.484 5.615 5.666 5.706 5.692 5.794 5.915 5.983 Source of Funds iB

Dana Pihak Ketiga 2.095 2.938 3.666 3.753 3.802 3.853 4.028 4.052 4.083 4.153 4.205 4.193 4.099 4.192 4.310 4.380 Third Party Funds Tabungan iB Wadiah 412 527 668 726 737 743 790 790 781 792 809 819 787 829 860 860 Wadiah Savings iB Tabungan iB Mudharabah 448 590 701 680 692 696 750 748 749 773 773 753 713 726 756 765 Mudharabah Savings iB Deposito iB Mudharabah 1.235 1.820 2.297 2.347 2.373 2.414 2.488 2.514 2.553 2.589 2.623 2.621 2.599 2.637 2.694 2.755 Deposit Mudharabah iB Antar Bank Passiva 694 855 1.104 1.235 1.255 1.258 1.265 1.244 1.251 1.288 1.301 1.342 1.426 1.434 1.434 1.430 Interbank Liabilities Pinjaman yang Diterima 80 91 55 79 89 92 92 99 100 104 103 108 113 116 120 121 Loan received Kewajiban Lainnya 23 27 41 43 44 53 54 49 51 69 57 63 54 52 52 52 Other Liabilities

501

616 732 786 805 818 844 878 914 863 868 886 893 905 932 940

Modal Disetor 390 472 556 629 633 637 646 667 706 713 730 768 765 774 791 797 Paid-In Capital Cadangan 50 61 82 109 109 109 109 109 113 119 117 126 125 125 126 123 Reserves

L/R Tahun berjalan 87 106 129 79 94 104 122 11 22 28 41 53 67 71 81 88 Current Earnings (Profit/Loss) L/R Tahun Lalu (26) (24) (35) (32) (31) (32) (32) 91 72 3 (20) (60) (64) (65) (65) (68) Current Earnings (Profit/Loss)

Note: r) Revised figures

Tabel 2.10 Kegiatan Usaha BPR Syariah (Sharia Rural Banks Operation)

Miliar Rp (Billion Rp)

2013 Indicator

2012

Indikator 2011

2015 2014

Beberapa Komponen Modal Some Components of Capital

Ket: r) Angka-angka diperbaiki

124 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Aset 3.520 4.699 5.833 6.150 6.266 6.343 6.573 6.580 6.641 6.732 6.800 6.839 6.851 6.952 7.093 7.172 Assets Pembiayaan iB 2.676 3.554 4.433 4.918 4.948 4.980 5.005 5.004 5.093 5.216 5.326 5.436 5.562 5.554 5.615 5.655 Financing iB

Lancar 2.512 3.335 4.145 4.491 4.505 4.542 4.610 4.556 4.629 4.727 4.829 4.926 5.047 5.010 5.068 5.098 Current Kurang Lancar 49 73 91 149 158 155 136 179 191 191 174 174 177 192 184 194 Sub Standard Diragukan 45 52 66 90 91 89 81 86 85 98 109 114 113 118 120 115 Doubtful Macet 70 94 132 189 193 195 177 184 188 200 214 223 224 235 243 249 Lost

164

219 288 427 442 439 395 449 464 489 497 510 514 544 547 558

6,11

6,15 6,50 8,68 8,94 8,81 7,89 8,97 9,11 10,36 9,33 9,38 9,25 9,80 9,74 9,86

Note: r) Revised figures Non Performing Financing (Nominal)

2013

2012 2011 Indikator

Tabel 2.11 Aset dan Pembiayaan BPR Syariah (Asset and Financing of Sharia Rural Bank)

Miliar Rp (Billion Rp)

Indicator

2014 2015

Non Performing Financing (%) Ket: r) Angka-angka diperbaiki Non Performing Financing (Nominal)

Non Performing Financing (%)

125 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul Ags Sep

Jumlah Bank 11 11 11 12 12 12 12 12 12 12 12 12 12 12^*) 12^*) 12^*) Total Bank

Jumlah Kantor 1.390 1.734 1.987 2.174 2.157 2.147 2.151 2.145 2.145 2.138 2.135 2.121 2.121 2121^*) 2121^*) 2121^*) Total Bank Offices

Jumlah Bank 24 24 23 22 22 22 22 22 22 22 22 22 22 22^*) 22^*) 22^*) Total Bank

Jumlah Kantor 312 493 567 397 ^r) 362 354 320 322 324 325 323 327 327 327^*) 327^*) 327^*) Total Bank Offices

Jumlah Bank 155 158 163 163 163 163 163 164 162 162 162 ^r) 162 162 161 162 162 Total Bank

Jumlah Kantor 364 401 402 433 431 438 439 477 486 471 433 ^r) 440 471 439 452 443 Total Bank Offices

r) Revised figures

*) Provisional figures Sharia Rural Bank

BPR Syariah

2015

Sharia Business Units

Ket: r) Angka-angka diperbaiki *) Angka-angka sementara Bank Umum Syariah (BUS)

2012 2011 Indikator

2014

Tabel 2.12 Jaringan Kantor Perbankan Syariah (Sharia Bank Office Network)

2013

Sharia Commercial Banks

Indicator

Unit Usaha Syariah (UUS)

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

126 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^r)

Ags Sep

CAR (%) 16,63 14,14 14,42 14,60 ^r) 15,25 15,66 ^r) 15,74 14,16 ^r) 14,38 ^r) 14,43 ^r) 14,50^r) 14,37^r) 14,09 14,62 15,05 15,15 CAR (%)

- Modal 11.297 13.866 18.089 18.229 ^r) 18.437 19.521 19.585 19.868 ^r) 20.566 ^r) 20.847 ^r) 21.015^r) 21.131^r) 21.301 21.624 22.100 22.666 - Capital - ATMR 67.936 98.071 125.429 124.823^r) 120.871 124.626 124.405 140.294 ^r) 143.189 ^r) 144.506 ^r) 144.957^r) 147.058^r) 151.157 147.951 146.835 149.628 - Risk Weighted Assets

KAP Earning Assset Quality

94,38

97,34 96,96 4.71 ^r) 5.15 ^r) 5.47 ^r) 4.78 ^r) 5,75 5,98 5,76 5,75 5,76 5,90 5,83 6,04 5,94

- APYD 757 3.341 4.668 9.064 9.480 10.180 10.055 11.626 10.974 10.516 10.515 10.648 10.827 10.721 11.114 11.222 - Classified Earning Assets - Total Aktiva Produktif 13.471 125.551 153.688 192.582 184.207 186.032 210.371 202.284 183.362 182.716 182.833 184.763 183.361 183.836 184.110 189.050 - Total Earning assets

Rentabilitas Profitability

1,20

2,04 1,82 0.68 ^r) 0.43 ^r) 0.62 ^r) 2.92 *⁾ 0,97 0,86 0,75 0,68 0,69 0,55 0,53 0,48 0,52

- Pendapatan 949 2.184 2.558 1.162 ^r) 737 ^r) 1.081 ^r) 916 ^r) 1.739 1.553 1.353 1.220 1.244 986 961 872 938 - Net Operations Income

- Rata-rata Aktiva 79.144

107.114

140.544 171.931 ^r) 172.930 ^r) 174.028 ^r) 175.548 ^r) 179.126 179.826 179.860 179.893 180.213 180.193 180.208 180.217 180.765 - Average Earning Assets 1,59

1,94 1,58 0.53 ^r) 0.56 *⁾ 0,49 0,41 0,88 0,78 0,69 0,62 0,63 0,50 0,50 0,46 0,49 - Laba 1.460 2.397 2.573 1.051 629 ^r) 972 822 1.745 1.544 1.371 1.227 1.247 988 1.004 918 986 - Profit - Rata-Rata total aset 92.058 123.667 162.544 197.424 ^r) 197.233 ^r) 197.281 198.248 197.385 197.620 197.931 197.986 198.472 198.763 199.054 199.182 199.720 - Average Assets

81,65

76,35 82,16 95,74 ^r) 97,37 ^r) 96,34^r) 96,97 ^r) 94,80 94,23 95,98 96,69 96,51 96,98 97,08 97,30 96,94

- Biaya Operasional 6.378 7.678 12.012 19.595 ^r) 22.746^r) 26.073^r) 29.285 ^r) 2.642 4.226 8.073 11.866 14.337 15.770 18.628 20.924 22.285 - Operations Expenses - Pendapatan 7.812 10.057 14.621 20.466 ^r) 23.360^r) 27.063 ^r) 30.201 ^r) 2.787 4.484 8.411 12.272 14.855 16.261 19.189 21.505 22.989 - Operations Income

Likuiditas Liquidity

19,64

18,04 16,33 19,07 19,07 21,54 18,22 25,17 19,05 19,98 20,65 19,73 19,73 20,89 22,04 27,65

- Aktiva Jangka Pendek 16.779 18.689 20.277 26.665 26.665 31.497 27.833 44.511 28.068 29.933 31.060 28.883 28.883 31.975 33.658 42.866 - Short-Term Assets

- Kewajiban Jangka 85.448

103.588

124.192 139.852 139.852 146.255 152.758 176.847 147.368 149.842 150.408 146.380 146.380 153.059 152.708 155.035 - Short-Term Liabilities 91,41

120,65 95,87 93,90 93,90 89,91 86,66 88,85 89,37 89,15 89,57 90,05 90,05 90,13 90,72 90,82

- Pembiayaan 32.165 142.148 137.268 147.737 147.737 148.403 147.944 145.976 145.817 147.136 147.245 148.021 148.021 149.059 149.287 151.157 - Financing - Dana Pihak Ketiga 35.186 117.817 143.174 157.332 157.332 165.050 170.723 164.291 163.159 165.034 164.400 164.375 164.375 165.378 164.561 166.433 - Third Party Funds

Short Term Mistmach (%)

Indikator 2014

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

Note: r) Revised figures, last revised at June 2015

*) Provisional figures r) Revision on data for KAP at July-December 2014 on Banking Health Measurement, which is based on SE OJK No. 11/SEOJK.03/2014 at June 11th, 2014 APYD terhadap Aktiva Produktif

BOPO (%)

NOM (%)

2012 2013 Indicator

ROA (%)

2015

ROA (%)

Operating Expenses to Operations Revenue (%)

FDR (%)

Tabel 2.13 Kinerja Bank Umum Syariah (Sharia Commercial Bank Performance)

Miliar Rp (Billion Rp)

FDR (%) NOM (%)

Ket: r) Angka-angka diperbaiki, perbaikan terakhir pada edisi Juni 2015 *) Angka-angka sementara

r) untuk Data KAP posisi Juli - Desember 2014 terdapat revisi tingkat kesehatan BUS - UUS berdasarkan SE

OJK No. 11/SEOJK.03/2014 tgl 11 Juni 2014

Classified Earning assets to

Short Term Mistmach (%)

2011

127 Sep

^r)

Okt Nov Des Jan Feb Mar Apr Mei Jun

^r)

Jul

^*)

Ags

^*)

Sep

^*)

<100 miliar 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 <100 billion

>100 miliar 11 11 11 12 12 12 12 12 12 12 12 12 12 12 12 12 >100 billion

<12% 3 2 2 1 1 2 1 2 ^r) 2 ^r) 1 ^r) 1^*) 1^*) 2 2 2 2 <12%

>12% 8 9 9 11 11 10 11 10 ^r) 10 ^r) 11 ^r) 11^*) 11^*) 10 10 10 10 >12%

<5% 11 11 11 8 8 8 9 7 6 7 8 6 7 7 7 7 <5%

>5% 0 0 0 4 4 4 3 5 6 5 4 6 5 5 5 5 >5%

<1,5% 5 4 6 9 9 9 9 9 9 10 11 11 11 11 11 11 <1,5%

>1,5% 6 7 5 3 3 3 3 3 3 2 1 1 1 1 1 1 >1,5%

<50% 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 <50%

>50% 11 11 11 12 12 12 12 12 12 12 12 12 12 12 12 12

>50%

r) Revised figures

*) Provisional figures

Modal Inti Tier One Capital

CAR Capital Adequacy Ratio

Indicator 2014

FDR NPL

Ket: r) Angka-angka diperbaiki *) Angka-angka sementara

ROA Return on Asset Ratio

Non Performing Loan Ratio

Finance to Deposit Ratio

1. "Revision of data BUS-UUS began in May 2014 based on LSMK"

2012 2013

2015 2011

Tabel 2.14 Bank Umum Syariah Berdasarkan Tingkat Rasio (Sharia Commercial Based on Ratios)

Indikator

128 Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Penyaluran Dana Fund Disbursements

a. Kredit 41.100 49.818 59.176 67.061 67.359 67.648 68.391 68.519 69.457 70.409 71.343 72.409 73.749 73.791 74.125 74.275 a. Credits

b. Antar Bank Aktiva 12.434 14.935 15.374 13.953 15.326 16.352 18.540 18.590 17.979 18.137 18.126 18.101 16.954 18.184 19.087 19.899 b. Inter-Bank Assets

Sumber Dana Source of Funds

a. DPK 38.209 44.870 50.520 54.605 55.730 56.800 58.750 59.381 59.742 60.540 61.272 62.012 61.550 62.458 63.418 64.078 a. Third Party Funds Deposito 26.174 30.401 33.879 37.301 38.104 38.751 39.919 40.655 41.032 41.849 42.403 43.184 43.486 44.115 44.610 44.802 Time Deposits Tabungan 12.035 14.468 16.641 17.304 17.626 18.048 18.831 18.726 18.710 18.691 18.869 18.828 18.064 18.342 18.808 19.276 Savings Deposits b. Antar Bank Pasiva 6.420 9.528 1.896 1.708 1.848 1.918 2.006 2.047 2.091 2.157 2.274 2.307 2.465 2.661 2.822 2.887 b. Inter-Bank Liabilities c. Pinjaman yang Diterima 443 426 11.165 12.833 12.861 13.007 13.386 12.963 12.815 13.065 13.010 13.272 13.810 13.793 13.728 13.621 c. Loans received d. Kewajiban Segera 389 466 421 459 408 464 452 539 531 614 242 688 682 613 572 591 d. Immediate Liabilities

a. Modal Disetor ^5.517 6.227 6.997 7.936 8.051 8.105 8.227 8.351 8.409 8.518 8.559 8.629 8.733 9.039 9.125 9.225 a. Paid In Capital

b. Cadangan ^1.465 1.726 1.573 1.807 1.798 1.810 1.819 1.839 1.836 1.926 1.993 2.035 2.068 2.054 2.051 2.052 b. Reserves

c. L/R Tahun Berjalan ^1.853 2.328 2.661 2.008 2.254 2.484 2.682 214 411 689 882 1.120 1.361 1.499 1.764 1.995 c. Current Earnings

d. L/R Tahun Lalu ⁽¹²⁵⁾ (24) 564 1.051 1.047 1.010 978 3.331 3.173 2.573 1.972 1.615 1.524 1.450 1.416 1.389 d. Retained Earnings (Profit/Loss)

Ket:

Tabel 3.1 Kegiatan Usaha Bank Perkreditan Rakyat (Rural Banks Operations)

Miliar Rp (Billion Rp)

Indikator 2011 Indicator

2014 2012 2013

2015

Beberapa Komponen Modal Several Components of Capital

since November 2013, data Inter-Bank liabilities not include Loans received form other bank since November 2013, data Loans received include Loans received form other bank Sejak data November 2013 pos Antar Bank Pasiva tidak termasuk

pinjaman yang diterima dari Bank lain.

Sejak Data November 2013 pos Pinjaman Yang Diterima termasuk pinjaman yang diterima dari Bank lain.

130 Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

LDR (%) 78,54 78,63 84,34 84,96 83,98 81,08 79,79 79,05 79,68 80,26 81,01 81,34 82,60 81,34 80,86 80,34 LDR (%)

- Total Kredit 41.144 49.866 59.176 67.683 68.115 67.648 68.391 68.342 69.404 70.409 71.350 72.409 73.749 73.791 74.125 74.275 - Total Credit - Penghimpunan Dana 44.836 54.535 60.024 67.828 69.072 70.883 72.914 72.736 73.390 74.341 75.055 76.155 76.268 77.264 78.191 78.820 - Funds collected - Modal Inti 7.551 8.880 10.137 11.836 12.035 12.552 12.801 13.718 13.713 13.385 13.021 12.866 13.020 13.353 13.479 13.628 - Core Capital NPL (%) 5,22 4,75 4,41 5,28 5,40 5,36 4,75 5,32 5,50 5,46 5,52 5,70 5,70 6,00 6,04 6,05 NPL (%)

- Kredit Non Lancar 2.146 2.369 2.610 3.542 3.635 3.628 3.252 3.643 3.822 3.843 3.938 4.131 4.205 4.431 4.480 4.490 - Non Current Credits - Total Kredit 41.100 49.818 59.176 67.061 67.359 67.648 68.391 68.519 69.457 70.409 71.343 72.409 73.749 73.791 74.125 74.275 - Total Credit ROA (%) 3,32 3,46 3,44 3,19 3,16 3,10 2,98 2,85 2,73 3,01 2,87 2,87 2,90 2,70 2,74 2,73 ROA (%)

- L/R Tahun Berjalan 1.853 2.328 2.661 2.008 2.254 2.484 2.682 214 411 689 882 1.120 1.361 1.499 1.764 1.995 - Current Earnings (Profit/Loss) - Total Aktiva 55.799 67.397 77.376 84.011 85.623 87.344 89.878 90.052 90.419 91.550 92.398 93.631 93.987 95.197 96.540 97.469 - Total Aktiva

ROE (%) 29,46 32,63 32,41 28,73 28,68 28,56 27,89 26,31 25,12 27,59 26,30 26,48 26,50 24,24 24,75 24,64 ROE (%)

- L/R Tahun Berjalan 1.853 2.328 2.661 2.008 2.254 2.484 2.682 214 411 689 882 1.120 1.361 1.499 1.764 1.995 - Current Earnings (Profit/Loss) - Modal Disetor 5.517 6.227 6.997 7.936 8.051 8.105 8.227 8.351 8.409 8.518 8.559 8.629 8.733 9.039 9.125 9.225 - Paid In Capital

- Cadangan Umum 772 909 1.214 1.381 1.380 1.382 1.389 1.396 1.409 1.467 1.506 1.521 1.543 1.563 1.564 1.567 - General Reserve

Ket: ^*)Angka-angka sementara *) Provisional figures

2014

Tabel 3.2 Kinerja Bank Perkreditan Rakyat (Rural Banks Performance)

Miliar Rp (Billion Rp)

Indikator 2011 2013

2015

Indicator 2012

131 Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

1. Jawa Barat 2. Banten 1.056 3. DKI Jakarta 4. D.I Yogyakarta 5. Jawa Tengah 6. Jawa Timur 7. Bengkulu 8. Jambi 424 9. Aceh 125 10. Sumatera Utara 11. Sumatera Barat 12. Riau 899 13. Kepulauan Riau 14. Sumatera Selatan 15. Bangka Belitung 16. Lampung 17. Kalimantan Selatan 18. Kalimantan Barat 19. Kalimantan Timur 20. Kalimantan Tengah 21. Sulawesi Tengah 22. Sulawesi Selatan 23. Sulawesi Utara 24. Sulawesi Tenggara 25. Sulawesi Barat 26. Gorontalo 27. Nusa Tenggara Barat 28. Bali 4.801 9.771 11.293 12.663 14.037 14.332 14.677 15.099 15.220 15.190 15.303 15.374 15.686 15.483 15.659 15.834 15.791 1. Jawa Barat 1.308 1.529 1.636 1.655 1.711 1.833 1.886 1.970 2.054 2.075 2.089 2.122 2.116 2.129 2.161 2. Banten 1.341 1.579 1.625 1.729 1.780 1.807 1.889 1.881 1.901 1.933 1.939 1.981 2.033 2.057 2.039 2.039 3. DKI Jakarta 2.610 3.097 3.510 3.826 3.926 4.028 4.127 4.147 4.138 4.207 4.268 4.328 4.298 4.363 4.410 4.477 4. D.I Yogyakarta 12.851 14.938 16.844 18.110 18.526 18.838 19.234 19.341 19.444 19.567 19.818 19.958 19.943 20.326 20.729 21.129 5. Jawa Tengah 6.562 7.898 8.910 9.797 9.865 9.997 10.226 10.256 10.307 10.352 10.628 10.732 10.750 10.849 10.967 11.026 6. Jawa Timur 33 39 39 50 51 54 55 56 56 57 56 55 59 58 59 62 7. Bengkulu 644 738 740 740 747 759 765 759 767 772 765 760 759 750 751 8. Jambi 138 161 162 164 165 168 168 168 170 170 171 174 197 199 202 9. Aceh 763 877 967 1.035 1.048 1.055 1.049 1.063 1.076 1.074 1.084 1.097 1.109 1.125 1.149 1.156 10. Sumatera Utara 1.278 1.406 1.337 1.296 1.318 1.320 1.346 1.341 1.341 1.349 1.347 1.335 1.311 1.333 1.353 1.376 11. Sumatera Barat 1.015 1.050 1.080 1.109 1.107 1.134 1.124 1.130 1.163 1.152 1.154 1.161 1.161 1.182 1.188 12. Riau 2.836 3.425 3.842 4.218 4.320 4.369 4.446 4.536 4.591 4.677 4.747 4.854 4.860 4.865 4.882 4.919 13. Kepulauan Riau 834 996 1.046 1.083 1.099 1.100 1.156 1.107 1.105 1.106 1.100 1.121 1.151 1.166 1.181 1.177 14. Sumatera Selatan 50 59 75 80 82 84 89 96 100 101 99 101 102 102 107 107 15. Bangka Belitung 4.386 5.167 6.678 7.221 7.412 7.577 7.897 7.882 7.853 7.965 7.959 7.994 8.077 8.339 8.345 8.370 16. Lampung 389 396 416 435 443 447 533 476 479 486 485 501 498 499 504 545 17. Kalimantan Selatan 820 979 953 1.024 983 1.023 1.020 1.005 1.006 1.031 1.013 1.014 1.063 1.088 1.079 1.054 18. Kalimantan Barat 282 310 336 302 327 331 359 351 348 354 357 371 376 379 386 377 19. Kalimantan Timur 67 137 232 261 230 324 287 257 256 251 244 279 282 274 268 289 20. Kalimantan Tengah 504 955 1.372 1.468 1.482 1.496 1.535 1.492 1.524 1.616 1.638 1.693 1.812 1.802 1.846 1.870 21. Sulawesi Tengah 669 925 1.064 1.223 1.255 1.276 1.310 1.336 1.344 1.339 1.378 1.409 1.407 1.371 1.391 1.409 22. Sulawesi Selatan 625 820 963 926 940 965 995 987 982 989 994 1.006 1.008 998 992 1.012 23. Sulawesi Utara 80 103 133 163 163 169 187 197 198 200 217 226 234 235 236 240 24. Sulawesi Tenggara 4 6 7 8 8 8 8 8 8 8 8 8 8 65 68 69 25. Sulawesi Barat 30 35 36 34 34 34 35 34 34 34 34 33 33 33 33 33 26. Gorontalo 716 840 940 992 1.010 1.032 1.062 1.066 1.064 1.074 1.083 1.087 1.054 1.072 1.110 1.141 27. Nusa Tenggara Barat 6.326 7.721 8.719 8.894 9.115 9.380 9.361 9.444 9.604 9.695 9.831 10.001 10.086 10.418 10.534 28. Bali

29. Nusa Tenggara Timur 200 253 337 374 383 398 415 422 417 417 421 432 435 444 453 461 29. Nusa Tenggara Timur 30. Maluku 391 747 1.001 1.021 1.054 1.073 1.174 1.119 1.112 1.160 1.127 1.182 1.190 1.172 1.188 1.223 30. Maluku 31. Papua 314 516 609 693 712 728 754 745 751 812 790 829 850 852 863 884 31. Papua 32. Maluku Utara 13 17 22 32 32 33 35 35 35 36 36 36 37 36 36 37 32. Maluku Utara 33. Papua Barat 74 152 221 231 243 257 280 292 289 296 291 274 308 314 355 361 33. Papua Barat 34. Lainnya - - - - 34. Others

Total 55.799 67.397 77.376 84.011 85.623 87.344 89.878 90.052 90.419 91.550 92.398 93.631 93.987 95.197 96.540 97.469 Total

Location

Lokasi 2014

2011 2015

Tabel 3.3 Perkembangan Aset BPR Berdasarkan Lokasi BPR (Growth of Rural Banks Asset Based on Location)

Miliar Rp (Billion Rp) 2013

2012

132 Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Total Aset BPR 16 12 9 9 8 7 12 6 6 6 8 7 7 9 8 7 Total Asset Rural bank

< 1 Miliar < 1 Billion

Total Aset BPR 264 229 213 195 197 192 190 198 199 197 186 187 180 177 171 171 Total Asset Rural bank

1 s.d 5 Miliar 1 up to 5 Billion

Total Aset BPR 387 333 267 261 252 253 245 235 229 232 230 228 232 234 236 228 Total Asset Rural bank

5 s.d 10 Miliar 5 up to 10 Billion

Total Aset BPR 1.002 1.079 1.146 1.169 1.178 1.185 1.196 1.204 1.209 1.208 1.218 1.221 1.225 1.224 1.229 1.238 Total Asset Rural bank

> 10 Miliar > 10 Billion

Total 1.669 1.653 1.635 1.634 1.635 1.637 1.643 1.643 1.643 1.643 1.642 1.643 1.644 1.644 1.644 1.644 Total

Total Asset 2012

2015

Total Aset 2011

Tabel 3.4 Jumlah BPR Berdasarkan Total Aset (Rural Banks Based on Total Assets)

Miliar Rp (Billion Rp) 2013

2014

133 Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags Sep

Kredit 41.100 49.818 59.176 67.061 67.359 67.648 68.391 68.519 69.457 70.409 71.343 72.409 73.749 73.791 74.125 74.275Credit

a. Lancar 38.953 47.450 56.566 63.519 63.724 64.020 65.139 64.876 65.635 66.565 67.405 68.278 69.544 69.360 69.645 69.784 a. Current

b. Kurang Lancar 495 577 640 1.001 1.020 993 773 1.058 1.161 1.174 1.169 1.231 1.252 1.317 1.297 1.203 b. Sub-Standard

c. Diragukan 420 453 537 722 730 746 713 742 758 720 763 805 814 908 944 1.007 c. Doubtful

d. Macet 1.231 1.339 1.433 1.819 1.885 1.889 1.766 1.842 1.903 1.949 2.006 2.095 2.139 2.205 2.238 2.280 d. Lost

2.146 2.369 2.610 3.542 3.635 3.628 3.252 3.643 3.822 3.843 3.938 4.131 4.205 4.431 4.480 4.490

5,22 4,75 4,41 5,28 5,40 5,36 4,75 5,32 5,50 5,46 5,52 5,70 5,70 6,00 6,04 6,05

Collectibility 2015

Rasio Non Performing Loan (%)

2013

Dalam dokumen Statistik Perbankan Indonesia Edisi September 2015 (Halaman 126-141)