Indikator
2014
Indicator
2015 2016
Miliar Rupiah (in Billion IDR)
Nov Des Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags
- Fasilitas pinjaman dari pihak lain yang belum ditarik
- - - - - Financing facilities from other entities that are not yet withdrawn - Posisi pembelian spot yang masih
berjalan
- - - - - Spot purchases - Posisi pembelian forward yang masih
berjalan
- - - - - Forward purchases - Lainnya - - - - - Others
- Fasilitas piutang qardh yang belum ditarik - - - - - Qardh facililies that are not yet withdrawn
- Fasilitas pembiayaan kepada nasabah yang belum ditarik
2.575 2.489 2.907 2.487 2.197 2.521 2.485 2.472 2.407 2.335 2.619 2.593 2.543 2.466 - Financing facililies to customers that are not yet withdrawn
- Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik
101 73 22 24 18 24 21 34 47 32 33 31 29 21 - Other bank financing facilities - Irrevocable L/C yang masih berjalan - - 0 0 0 10 1 3 2 2 0 5 5 1 - Irrevocable L/Cs - Posisi penjualan spot yang masih
berjalan
- - - - - - - - Spot sales - Posisi penjualan forward yang masih
berjalan
- - - - - - - - Forward sales - Lainnya 4 4 2 2 2 2 1 1 1 0 0 0 0 0 - Others
-
-
- Garansi (Kafalah) yang diterima - - - - - - - - Kafalah guarantees received - Pendapatan yang akan diterima 39 34 80 84 105 95 94 101 191 234 197 205 202 205 - Income will be received - Lainnya 738 708 946 897 289 416 558 534 334 335 357 297 255 244 - Others
-
- -
- Garansi (Kafalah) yang diberikan 538 470 819 790 773 633 563 540 525 515 596 712 748 489 - Guarantees issued - Lainnya 32 94 222 253 89 127 125 136 53 37 97 89 38 43 - Others
-
- -
- Aktiva produktif yang dihapusbuku 557 608 1.011 1.048 1.094 1.272 1.297 1.298 1.340 1.471 1.480 1.492 1.489 1.530 - Written off earning assets - Penerusan dana mudharabah muqayyadah
2.688 1.473 730 706 706 675 675 675 705 705 705 675 675 663
- Channeling of mudharabah muqayaydah
2014
Indicator
2015 2016
Kewajiban Kontijensi
Lainnya
Liabilities Contingency
Others
Tagihan Komitmen Claim commitment
Kewajiban Komitmen Liabilities commitment
Tagihan Kontijensi Claim Contingency
Tabel 7b. Rekening Administratif - Unit Usaha Syariah - SPS 2016 (Off Balance Sheet Account - Sharia Business Unit)
Miliar Rp (Billion IDR)
Indikator
Miliar Rupiah (in Billion IDR)
Nov Des Sep r) Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags
1 Pendapatan Operasional Bersumber dari Penyaluran Dana berupa:
29.620
32.615 32.104 35.675 39.229 43.042 3.781 6.727 10.173 13.410 16.888 20.217 23.401 26.635 1 Operating Income from:
a. Penempatan pada Bank Indonesia 973 1.105 1.028 1.144 1.270 1.342 97 190 289 387 494 589 676 792 a. Placement in Bank Indonesia b. Penempatan pada Bank Syariah Lain 187 210 176 196 217 237 23 48 69 89 110 129 150 173 b. Placement in Other Banks c. Surat Berharga 783 873 817 901 1.020 1.166 220 264 407 541 679 817 954 1.084 c. Investment in Securities d. Pembiayaan yang Diberikan: 20.076 21.976 18.607 20.700 22.750 24.977 2.447 4.310 6.449 8.539 10.744 12.891 15.084 17.195 d. Financing :
i. Pendapatan Bagi Hasil 5.752 6.381 5.550 6.169 6.802 7.523 885 1.307 1.802 2.495 3.178 3.876 4.518 5.222 i. Profit Sharing a. Mudharabah 1.576 1.723 1.411 1.572 1.731 1.890 158 310 464 623 775 921 1.086 1.241 a. Mudharabah b. Musyarakah 4.175 4.657 4.139 4.597 5.071 5.633 726 997 1.338 1.872 2.403 2.954 3.432 3.981 b. Musyarakah c. Pendapatan Bagi Hasil Lainnya 1 1 0 0 0 0 - - - - c. Other profit sharing ii. Piutang 13.228 14.424 12.135 13.503 14.828 16.238 1.459 2.810 4.354 5.657 7.080 8.432 9.881 11.203 ii. Receivables/Acceptables
a. Murabahah 12.958 14.128 11.789 13.119 14.403 15.773 1.418 2.732 4.237 5.496 6.878 8.187 9.596 10.873 a. Murabahah b. Ujrah 188 205 275 304 336 373 31 60 92 127 160 194 226 262 b. Qardh c. Istishna' 69 76 67 76 84 92 9 17 26 34 42 51 59 68 c. Istishna' d. Piutang Lainnya 13 14 4 4 4 0 - - - - d. Other Receiveables/
Acceptables iii. Pendapatan Sewa (Ijarah) 1.096 1.171 922 1.028 1.119 1.217 104 193 293 388 486 584 685 770 iii. Leasing Receivables/
Acceptables (Ijarah) iv. Salam - - - - iv. Salam e. Lainnya 7.600 8.452 11.477 12.734 13.973 15.320 995 1.915 2.959 3.853 4.862 5.791 6.536 7.392 e. Others 2 Bagi Hasil Untuk Pemilik Dana Investasi
Mudharabah berupa:
14.511
16.096 18.489 20.486 22.445 24.529 2.041 3.977 6.027 7.947 9.924 11.807 13.531 15.408 2 Revenue Sharing for Invesment Fund Mudharabah Holders:
a. Dana Investasi Non Profit Sharing 13.763 15.110 18.262 20.235 22.169 24.229 2.041 3.976 6.025 7.947 9.924 11.807 13.454 15.407 a. Non Profit Sharing Investment Fund
b. Dana Investasi Profit Sharing 748 986 228 252 276 300 0 1 1 0 0 0 77 0 b. Profit Sharing Investment Fund 3 Pendapatan Operasonal Setelah Distribusi
Bagi Hasil (1 - 2)
15.109
16.519 13.615 15.188 16.784 18.513 1.740 2.751 4.147 5.463 6.964 8.409 9.870 11.227 3 Operating Income After Revenue Sharing for Invesment Fund Mudharabah Holders (1-2) 4 Pendapatan Operasional Lainnya 6.570 7.715 5.688 6.109 7.918 8.754 1.955 1.979 3.405 4.337 5.652 7.141 8.302 9.310 4 Other Operating Income
a. Pendapatan dari MTM dan Penjualan Surat Berharga
51
58 69 71 80 90 8 17 25 33 42 50 67 79 a. Income from Mark-to-Market and Sale of Securities b. Pendapatan Bank selaku Mudharib
dalam Mudharabah Al Muqayaddah
13
15 5 6 6 7 0 0 0 0 0 1 1 1 b. Income from Bank as Mudharib in Mudharabah Al Muqayaddah c. Pendapatan dari Penyertaan,
Fee/Komisi/Provisi
1.700
1.884 1.169 1.298 1.423 1.585 112 215 347 482 600 847 860 983 c. Income from Investment, Fees,Commission, Provision d. Pendapatan Lainnya 4.806 5.758 4.446 4.733 6.409 7.073 1.835 1.746 3.033 3.822 5.010 6.243 7.374 8.247 d. Other Income
5 Total Pendapatan Operasional (3 + 4) 21.680 24.235 19.304 21.297 24.703 27.267 3.695 4.729 7.552 9.800 12.616 15.550 18.172 20.537 5 Total of Operating Income 6 Total Beban Operasional 15.732 17.942 15.252 16.717 19.617 22.011 3.372 4.116 6.611 8.704 11.770 13.909 16.361 18.640 6 Total of Operating Costs
a. Beban Imbalan kepada BI 1 1 - - - 0 1 1 a. Yield to BI b. Bonus Titipan Wadiah 374 405 249 277 304 335 24 44 67 92 119 147 171 197 b. Wadiah Bonuses c. Kerugian atas MTM dan Penjualan
Surat Berharga
23
26 15 16 17 18 1 2 2 3 6 7 9 10 c. Loss from Mark-to-Market and Sale of Securities
d. Kerugian dari Penyertaan dan Beban Komisi/Provisi
1
1 23 26 31 34 2 2 3 5 6 8 10 13 d. Loss from Investment and Cost of Commission/Provision e. Kerugian Penurunan Nilai Aset
Keuangan dan Lainnya
6.159
7.288 6.486 7.021 8.956 10.235 2.272 2.043 3.553 4.598 6.566 7.601 9.174 10.486 e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Penyusutan/Amortisasi dan Beban
Pemeliharaan Aset Tetap/Inventaris
1.075
1.187 820 910 1.020 1.115 95 191 292 392 493 584 682 787 f. Depreciation/Amortization and Cost of Fixed Assets Maintenance g. Beban Risiko Operasional 5 9 10 25 25 26 0 0 6 16 18 19 19 19 g. Cost of Operational Risk h. Kerugian Restrukturisasi Pembiayaan 1 1 0 5 4 4 1 1 1 5 5 5 5 7 h. Loss from Financing Restructuring
i. Beban Tenaga Kerja 4.840 5.339 4.569 5.013 5.523 6.087 555 1.089 1.631 2.208 2.753 3.367 3.856 4.317 i. Cost of Human Resources i. Biaya Tenaker 4.718 5.220 4.444 4.875 5.370 5.911 546 1.071 1.599 2.173 2.707 3.310 3.789 4.239 i. Labour Cost ii. Biaya Pendidikan dan Pelatihan
Tenaker
116
112 119 133 146 167 8 17 29 32 43 53 62 73 ii. Training Cost
iii. Penelitian dan Pengembangan 6 8 6 6 6 9 1 2 3 3 3 4 5 5 iii. Research and Development j. Beban Operasional Lainnya 3.254 3.684 3.080 3.424 3.737 4.157 422 742 1.054 1.385 1.805 2.170 2.435 2.804 j. Other Operating Costs
i. Promosi 246 300 250 273 302 358 16 31 49 72 94 124 148 175 i. Promotion ii. Biaya Lainnya 3.008 3.384 2.830 3.151 3.435 3.798 406 711 1.005 1.313 1.711 2.046 2.287 2.629 ii. Other Costs 7 Laba/Rugi Operasional (5 - 6) 5.947 6.293 4.051 4.580 5.086 5.256 323 614 941 1.096 846 1.641 1.811 1.897 7 Operating Profit/Loss (5 - 6) 8 Pendapatan Non Operasional 639 477 250 269 276 348 15 29 49 62 107 151 203 208 8 Non Operating Income 9 Beban Non Operasional 4.551 4.722 2.400 2.686 2.987 3.303 27 47 68 86 101 143 172 161 9 Non Operating Cost 10 Laba/Rugi Non Operasional (8 - 9) (3.911) (4.244) (2.150) (2.417) (2.711) (2.955) (12) (19) (18) (24) 6 8 30 47 10 Non Operating Profit/Loss (8 - 9) 11 Laba/Rugi Tahun Berjalan (7 + 10) 2.036 2.049 1.901 2.163 2.375 2.301 311 595 923 1.072 851 1.649 1.841 1.944 11 Year-to-date Profit/Loss (7 + 10) 12 Tranfer Laba/Rugi - 846 - - - 1.705 - - - - 12 Transfer of Profit/Loss 13 Pajak Penghasilan (205) (137) (219) (243) (267) (334) (27) (50) (101) (133) (166) (223) (257) (290) 13 Income Tax 14 Laba/Rugi Bersih 1.831 1.733 1.682 1.921 2.107 1.786 284 545 822 939 686 1.426 1.584 1.654 14 Net Proft/Loss
Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Sharia Commercial Bank dan Sharia Business Unit Condensed Income Statement) - SPS 2016 (Condensed Income Statement - Sharia Commercial Bank and Sharia Business Unit)
Miliar Rp (Billion IDR)
Indikator 2014
Indicator
Note: r) Revised figures 2015
Ket: r) Angka-angka diperbaiki
2016
Miliar Rupiah (in Billion IDR)
Nov Des Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags
1 Pendapatan Operasional Bersumber dari Penyaluran Dana berupa:
23.352
25.853 25.673 28.522 31.335 34.418 3.021 5.286 7.987 10.489 13.202 15.733 18.088 20.457 1 Operating Income from:
a. Penempatan pada Bank Indonesia 635 727 690 770 862 953 62 128 193 254 323 378 426 500 a. Placement in Bank Indonesia b. Penempatan pada Bank Syariah Lain 36 42 46 52 57 62 7 14 20 25 31 35 40 44 b. Placement in Other Banks c. Surat Berharga 695 773 700 767 866 1.016 203 227 353 470 590 705 815 923 c. Investment in Securities d. Pembiayaan yang Diberikan: 15.645 17.212 14.185 15.760 17.287 18.952 1.893 3.214 4.781 6.326 7.957 9.501 11.121 12.635 d. Financing :
i. Pendapatan Bagi Hasil 4.703 5.204 4.292 4.750 5.222 5.761 710 960 1.272 1.786 2.281 2.784 3.235 3.736 i. Profit Sharing a. Mudharabah 1.065 1.158 847 938 1.030 1.120 88 173 257 348 429 505 598 681 a. Mudharabah b. Musyarakah 3.638 4.046 3.445 3.811 4.191 4.641 622 788 1.014 1.438 1.852 2.279 2.637 3.055 b. Musyarakah c. Pendapatan Bagi Hasil Lainnya 1 1 0 0 0 0 - - - - c. Other profit sharing ii. Piutang 10.677 11.752 9.734 10.836 11.877 12.991 1.164 2.223 3.464 4.479 5.596 6.627 7.782 8.799 ii. Receivables/Acceptables
a. Murabahah 10.494 11.552 9.457 10.528 11.537 12.620 1.132 2.163 3.373 4.353 5.438 6.436 7.560 8.542 a. Murabahah b. Ujrah 151 166 259 287 318 353 30 58 87 121 153 184 215 248 b. Qardh c. Istishna' 19 21 14 16 18 18 2 3 4 5 6 7 8 8 c. Istishna'
d. Piutang Lainnya 13 14 4 4 4 0 - - - - d. Other Receiveables/Acceptables
iii. Pendapatan Sewa (Ijarah) 265 256 159 175 188 200 19 30 46 62 80 89 103 101 iii. Leasing Receivables/Acceptables (Ijarah)
iv. Salam - - - - iv. Salam e. Lainnya 6.341 7.099 10.052 11.173 12.263 13.435 856 1.704 2.640 3.413 4.301 5.114 5.686 6.356 e. Others 2 Bagi Hasil Untuk Pemilik Dana Investasi
Mudharabah berupa:
10.992
12.276 14.830 16.435 17.991 19.646 1.637 3.229 4.887 6.425 8.015 9.513 10.783 12.203 2 Revenue Sharing for Invesment Fund Mudharabah Holders:
a. Dana Investasi Non Profit Sharing 10.247 11.292 14.606 16.187 17.719 19.350 1.637 3.229 4.887 6.425 8.015 9.513 10.783 12.203 a. Non Profit Sharing Investment Fund b. Dana Investasi Profit Sharing 746 984 225 248 272 296 - - - - b. Profit Sharing Investment Fund 3 Pendapatan Operasonal Setelah Distribusi
Bagi Hasil (1 - 2)
12.359
13.577 10.843 12.087 13.343 14.772 1.384 2.056 3.100 4.064 5.187 6.220 7.304 8.254 3 Operating Income After Revenue Sharing for Invesment Fund Mudharabah Holders (1-2) 4 Pendapatan Operasional Lainnya 6.042 7.057 5.063 5.381 7.131 7.873 1.843 1.837 3.131 3.977 5.199 6.607 7.758 8.710 4 Other Operating Income
a. Pendapatan dari MTM dan Penjualan Surat Berharga
51
57 68 71 79 89 7 17 24 33 42 50 67 79 a. Income from Mark-to-Market and Sale of
Securities b. Pendapatan Bank selaku Mudharib
dalam Mudharabah Al Muqayaddah
0
0 0 0 0 0 0 0 0 0 0 0 0 0 b. Income from Bank as Mudharib in Mudharabah Al Muqayaddah c. Pendapatan dari Penyertaan,
Fee/Komisi/Provisi
1.491
1.640 961 1.068 1.168 1.298 90 182 283 387 480 607 683 783 c. Income from Investment, Fees,Commission, Provision d. Pendapatan Lainnya 4.501 5.360 4.034 4.242 5.885 6.486 1.746 1.639 2.824 3.558 4.678 5.950 7.007 7.848 d. Other Income
5 Total Pendapatan Operasional (3 + 4) 18.401 20.634 15.906 17.467 20.474 22.645 3.228 3.894 6.231 8.041 10.386 12.827 15.062 16.964 5 Total of Operating Income 6 Total Beban Operasional 13.602 15.543 12.986 14.154 16.784 18.653 3.039 3.595 5.754 7.459 10.251 12.074 14.288 16.274 6 Total of Operating Costs
a. Beban Imbalan kepada BI 1 1 - - - 0 1 1 a. Yield to BI b. Bonus Titipan Wadiah 319 345 195 216 235 257 21 39 59 81 105 123 142 164 b. Wadiah Bonuses c. Kerugian atas MTM dan Penjualan Surat
Berharga
21
24 14 15 16 17 1 1 1 2 5 7 9 10 c. Loss from Mark-to-Market and Sale of Securities
d. Kerugian dari Penyertaan dan Beban Komisi/Provisi
0
0 21 24 28 32 2 2 2 4 4 7 8 10 d. Loss from Investment and Cost of Commission/Provision e. Kerugian Penurunan Nilai Aset
Keuangan dan Lainnya
5.480
6.506 5.613 6.009 7.831 8.789 2.129 1.852 3.186 4.028 5.898 6.838 8.280 9.504 e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Penyusutan/Amortisasi dan Beban
Pemeliharaan Aset Tetap/Inventaris
961
1.061 721 800 898 981 84 170 260 349 437 518 604 698 f. Depreciation/Amortization and Cost of Fixed Assets Maintenance g. Beban Risiko Operasional 5 8 10 25 25 26 0 0 6 6 8 8 9 8 g. Cost of Operational Risk h. Kerugian Restrukturisasi Pembiayaan 1 1 0 5 4 4 1 1 1 5 5 5 5 7 h. Loss from Financing Restructuring
i. Beban Tenaga Kerja 4.215 4.651 3.974 4.348 4.799 5.289 492 963 1.439 1.943 2.418 2.938 3.353 3.740 i. Cost of Human Resources i. Biaya Tenaker 4.106 4.546 3.862 4.224 4.662 5.130 484 947 1.410 1.914 2.378 2.889 3.295 3.672 i. Labour Cost ii. Biaya Pendidikan dan Pelatihan
Tenaker
104
98 108 120 133 153 8 15 27 28 37 47 55 65 ii. Training Cost
iii. Penelitian dan Pengembangan 5 7 3 4 4 7 0 0 2 2 2 3 3 3 iii. Research and Development j. Beban Operasional Lainnya 2.599 2.946 2.438 2.712 2.946 3.258 308 567 800 1.041 1.372 1.630 1.878 2.131 j. Other Operating Costs
i. Promosi 210 256 216 235 258 302 13 25 39 58 75 97 117 136 i. Promotion ii. Biaya Lainnya 2.389 2.690 2.222 2.477 2.688 2.956 295 542 761 984 1.297 1.533 1.761 1.995 ii. Other Costs 7 Laba/Rugi Operasional (5 - 6) 4.799 5.091 2.920 3.313 3.691 3.992 189 299 477 583 135 752 774 690 7 Operating Profit/Loss (5 - 6) 8 Pendapatan Non Operasional 177 52 92 78 83 103 2 10 18 21 50 73 69 69 8 Non Operating Income 9 Beban Non Operasional 4.085 4.320 2.273 2.546 2.821 3.118 15 23 32 38 41 50 64 69 9 Non Operating Cost 10 Laba/Rugi Non Operasional (8 - 9) (3.908) (4.269) (2.180) (2.467) (2.738) (3.015) (13) (13) (14) (16) 8 22 5 (1) 10 Non Operating Profit/Loss (8 - 9) 11 Laba/Rugi Tahun Berjalan (7 + 10) 891 822 740 846 953 977 176 285 463 566 143 775 779 689 11 Year-to-date Profit/Loss (7 + 10) 12 Tranfer Laba/Rugi - 666 - - - 1.544 - - - - 12 Transfer of Profit/Loss 13 Pajak Penghasilan (190) (120) (211) (233) (256) (322) (25) (48) (95) (125) (157) (212) (244) (275) 13 Income Tax 14 Laba/Rugi Bersih 701 702 528 613 697 635 151 238 368 441 (14) 563 535 414 14 Net Proft/Loss
"-": Data not available
*) Source: Laporan Stabilitas Moneter dan Sistem Keuangan Bulanan Bank Umum Syariah dan Unit Usaha Syariah Indikator
2014
Indicator
2015 2016
Tabel 8a. Laporan Laba Rugi Bank Umum Syariah (Sharia Commercial Bank Condensed Income Statement) - SPS 2016 (Condensed Income Statement - Sharia Commercial Bank and Sharia Business Unit)
Miliar Rp (Billion IDR)
Miliar Rupiah (in Billion IDR)
Nov Des Sep r) Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags
1 Pendapatan Operasional Bersumber dari Penyaluran Dana berupa:
6.269
6.762 6.431 7.153 7.895 8.624 760 1.442 2.186 2.921 3.686 4.484 5.313 6.177 1 Operating Income from:
a. Penempatan pada Bank Indonesia 339 378 338 374 408 390 35 63 96 133 171 211 251 291 a. Placement in Bank Indonesia b. Penempatan pada Bank Syariah Lain 151 168 130 144 160 175 16 34 49 65 79 94 110 129 b. Placement in Other Banks c. Surat Berharga 89 100 117 133 154 150 17 38 54 71 89 112 139 161 c. Investment in Securities d. Pembiayaan yang Diberikan: 4.431 4.764 4.422 4.940 5.463 6.026 554 1.096 1.668 2.213 2.786 3.390 3.963 4.560 d. Financing :
i. Pendapatan Bagi Hasil 1.049 1.177 1.258 1.420 1.580 1.762 174 346 531 709 897 1.091 1.283 1.486 i. Profit Sharing a. Mudharabah 512 565 563 634 701 770 70 137 207 275 346 416 488 560 a. Mudharabah b. Musyarakah 537 612 694 786 879 992 104 209 323 434 551 675 795 926 b. Musyarakah c. Pendapatan Bagi Hasil Lainnya 0 - - - - c. Other profit sharing ii. Piutang 2.551 2.672 2.400 2.667 2.951 3.247 295 586 890 1.178 1.484 1.804 2.099 2.405 ii. Receivables/Acceptables
a. Murabahah 2.464 2.577 2.332 2.590 2.866 3.153 286 569 864 1.144 1.440 1.751 2.036 2.331 a. Murabahah b. Ujrah 37 39 15 17 18 19 1 3 4 6 7 9 11 14 b. Qardh c. Istishna' 50 56 53 60 67 74 7 14 22 29 37 44 52 60 c. Istishna'
d. Piutang Lainnya - - - - d. Other Receiveables/Acceptables
iii. Pendapatan Sewa (Ijarah) 832 915 764 853 931 1.017 85 163 247 326 406 495 582 669 iii. Leasing Receivables/Acceptables (Ijarah)
iv. Salam - - - - iv. Salam e. Lainnya 1.259 1.353 1.425 1.561 1.710 1.885 138 211 320 440 561 676 850 1.036 e. Others 2 Bagi Hasil Untuk Pemilik Dana Investasi
Mudharabah berupa:
3.519
3.820 3.659 4.051 4.454 4.883 405 748 1.140 1.522 1.910 2.294 2.747 3.204 2 Revenue Sharing for Invesment Fund Mudharabah Holders:
a. Dana Investasi Non Profit Sharing 3.517 3.818 3.656 4.048 4.450 4.879 405 747 1.139 1.522 1.909 2.294 2.670 3.204 a. Non Profit Sharing Investment Fund b. Dana Investasi Profit Sharing 2 2 3 3 4 5 0 1 1 0 0 0 77 0 b. Profit Sharing Investment Fund 3 Pendapatan Operasonal Setelah Distribusi
Bagi Hasil (1 - 2)
2.750
2.942 2.772 3.102 3.441 3.741 356 694 1.046 1.399 1.777 2.189 2.566 2.973 3 Operating Income After Revenue Sharing for Invesment Fund Mudharabah Holders (1-2) 4 Pendapatan Operasional Lainnya 528 659 625 728 787 881 111 142 274 360 453 534 544 600 4 Other Operating Income
a. Pendapatan dari MTM dan Penjualan Surat Berharga
1
1 1 1 1 1 1 1 1 1 1 1 1 1 a. Income from Mark-to-Market and Sale of
Securities b. Pendapatan Bank selaku Mudharib
dalam Mudharabah Al Muqayaddah
12
15 4 6 6 6 0 0 0 0 0 1 1 1 b. Income from Bank as Mudharib in Mudharabah Al Muqayaddah c. Pendapatan dari Penyertaan,
Fee/Komisi/Provisi
209
244 208 231 256 287 22 33 64 96 120 240 176 200 c. Income from Investment, Fees,Commission, Provision d. Pendapatan Lainnya 306 398 412 491 524 587 89 108 209 263 332 292 367 399 d. Other Income
5 Total Pendapatan Operasional (3 + 4) 3.279 3.601 3.398 3.830 4.228 4.622 467 836 1.320 1.759 2.230 2.724 3.110 3.573 5 Total of Operating Income 6 Total Beban Operasional 2.130 2.399 2.267 2.563 2.833 3.358 333 521 856 1.245 1.519 1.835 2.073 2.366 6 Total of Operating Costs
a. Beban Imbalan kepada BI 0 - - - - a. Yield to BI b. Bonus Titipan Wadiah 55 60 54 61 68 78 3 6 9 11 14 24 29 33 b. Wadiah Bonuses c. Kerugian atas MTM dan Penjualan
Surat Berharga
2
2 1 1 1 1 - 0 0 0 0 0 0 0 c. Loss from Mark-to-Market and Sale of Securities
d. Kerugian dari Penyertaan dan Beban Komisi/Provisi
1
1 2 2 2 2 0 1 1 1 1 1 3 3 d. Loss from Investment and Cost of Commission/Provision e. Kerugian Penurunan Nilai Aset
Keuangan dan Lainnya
679
782 873 1.012 1.125 1.446 143 191 366 570 668 763 894 982 e. Kerugian Penurunan Nilai Aset Keuangan dan Lainnya f. Penyusutan/Amortisasi dan Beban
Pemeliharaan Aset Tetap/Inventaris
114
126 99 110 121 134 11 21 33 44 56 66 77 88 f. Depreciation/Amortization and Cost of Fixed Assets Maintenance g. Beban Risiko Operasional 0 0 0 0 0 0 0 0 0 10 11 11 11 11 g. Cost of Operational Risk h. Kerugian Restrukturisasi Pembiayaan - - - - h. Loss from Financing Restructuring
i. Beban Tenaga Kerja 624 689 595 665 724 798 63 126 193 265 335 429 503 577 i. Cost of Human Resources i. Biaya Tenaker 612 674 582 651 709 781 62 123 189 260 328 422 494 567 i. Labour Cost ii. Biaya Pendidikan dan Pelatihan
Tenaker
12
14 11 12 13 14 0 1 3 4 6 6 7 8 ii. Training Cost
iii. Penelitian dan Pengembangan 1 1 2 2 2 2 1 1 1 1 1 1 2 2 iii. Research and Development j. Beban Operasional Lainnya 655 738 642 712 791 898 114 175 255 343 433 540 557 672 j. Other Operating Costs
i. Promosi 35 44 34 38 45 56 3 6 10 15 19 27 31 39 i. Promotion ii. Biaya Lainnya 619 694 608 674 747 842 111 169 245 329 414 513 526 634 ii. Other Costs 7 Laba/Rugi Operasional (5 - 6) 1.148 1.202 1.131 1.267 1.395 1.264 134 315 464 514 711 889 1.037 1.207 7 Operating Profit/Loss (5 - 6) 8 Pendapatan Non Operasional 462 426 157 191 193 245 13 19 31 41 58 79 133 140 8 Non Operating Income 9 Beban Non Operasional 466 401 127 140 166 185 12 24 36 48 60 93 108 92 9 Non Operating Cost 10 Laba/Rugi Non Operasional (8 - 9) (4) 24 30 51 26 60 1 (5) (5) (7) (2) (14) 25 48 10 Non Operating Profit/Loss (8 - 9) 11 Laba/Rugi Tahun Berjalan (7 + 10) 1.145 1.227 1.161 1.317 1.422 1.324 135 310 459 506 709 874 1.062 1.255 11 Year-to-date Profit/Loss (7 + 10) 12 Tranfer Laba/Rugi - 179 - - - 161 - - - - 12 Transfer of Profit/Loss 13 Pajak Penghasilan (15) (16) (7) (10) (11) (12) (2) (3) (6) (8) (9) (11) (13) (15) 13 Income Tax 14 Laba/Rugi Bersih 1.130 1.031 1.154 1.308 1.411 1.151 133 307 454 498 700 864 1.049 1.240 14 Net Proft/Loss
Tabel 8b. Laporan Laba Rugi Unit Usaha Syariah (Sharia Business Unit Condensed Income Statement) - SPS 2016 (Condensed Income Statement - Sharia Commercial Bank and Sharia Business Unit)
Miliar Rp (Billion IDR)
"-": Data not available
*) Source: Laporan Stabilitas Moneter dan Sistem Keuangan Bulanan Bank Umum Syariah dan Unit Usaha Syariah Indikator
2014
Indicator
2015 2016
Miliar Rupiah (in Billion IDR)
Nov Des Sepr) Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Ags
1. Lancar 216.085 227.257 226.236 222.039 223.859 241.755 229.788 231.835 239.520 238.148 242.807 250.330 249.773 249.153 1. Current 2. Dalam Perhatian Khusus 15.532 13.406 21.859 21.638 22.111 19.507 22.039 23.513 22.886 21.606 19.976 17.474 19.189 19.795 2. Special Mention 3. Kurang Lancar 2.611 2.474 2.250 2.224 2.376 2.417 2.984 2.821 2.866 2.858 3.625 3.135 2.379 2.650 3. Sub-Standard 4. Diragukan 1.669 1.702 1.610 1.069 962 924 996 1.217 1.303 1.213 1.400 1.283 1.364 1.552 4. Doubtful 5. Macet 5.620 4.721 6.211 6.825 6.634 6.132 6.553 6.717 6.537 6.789 7.267 7.030 7.058 6.915 5. Lost
Total Aset Produktif 241.517 249.560 258.166 253.796 255.942 270.735 262.360 266.103 273.113 270.614 275.074 279.252 279.763 280.065 Total Earning Assets Rasio Aset Produktif Non Lancar 4,10 3,57 3,90 3,99 3,90 3,50 4,01 4,04 3,92 4,01 4,47 4,10 3,86 3,97 Percentage of Non
Performing Earning Assets