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Statistik Perbankan Syariah

(Islamic Banking Statistics)

Direktorat Perbankan Syariah

AGUSTUS 2007 AUGUST

Statistik Perbankan Syariah (Islamic Banking Statistics)

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DAFTAR ISI CONTENTS

Halaman (Page)

Daftar Isi ............................................................................................................ ii Contents

Tabel 1. Jaringan Kantor..................................................................................... 1 Networking

Tabel 2. Aset ……………………......................................................................... 2 Assets

Tabel 3. Kewajiban dan Modal ........................................................................... 3 Liabilities and Equity

Tabel 4. Laba/Rugi…………………….................................................................. 4 Income Statement

Gambar 1. Perkembangan Aset …………………….……………………………………... 5 Growth of Assets of Islamic Banks

Gambar 2. Sumber Dana ……………………. …………………………………………….. 5 Sources of Fund of Islamic Banks

Tabel 5. Komposisi Dana Pihak Ketiga................................................................ 6 Composition of Deposits

Gambar 3. Jumlah Rekening Dana Pihak Ketiga...................................................... 6 Composition of Deposits

Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga................................................ 7 Percentage of Profit Sharing of Deposits

Gambar 5. Komposisi Deposito Mudharabah.......................................................... 7 Composition of Mudharabah Deposit Account

Gambar 6. Aktiva Produktif Utama Perbankan Syariah............................................ 8 The major Earning Assets

Tabel 6. Komposisi Pembiayaan Perbankan Syariah............................................. 8 Composition of Financing

Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi .................. 9 Financing based on Economic Sector

Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan.............. .............................. 9 Financing based on Type of Use

Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan...... .............................. 10 Financing based on Type of Financing

Gambar 9. Jumlah Rekeing Pembiayaan.................................................................. 10 Number of Account Financing

Gambar 10. Persentase Bagi Hasil/Fee/Margin Pembiayaan........................................ 11 Percentage of Profit Sharing/Fee/Margin of Financing

Gambar 11. Komposisi Penggunaan dan Sumber Dana.............................................. 12 Composition of Uses and Sources of Fund

Gambar 12. Rincian Surat Berharga............................................. ............................. 13 Secutities

Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga.............. ............................. 13 Percentage of Bonus/Profit Sharing Secutities


iii

Halaman (Page)

Gambar 14. Sumber Dana, Pembiayaan, dan FDR …………………….………………… 14 Sources of Fund, Financing, and FDR

Gambar 15. Pembiayaan dan PPAP ………………………………….…………………….. 14 Financing and Provision for Losses (PPAP)

Tabel 8. Pembiayaan Non Lancar ............………………………………………….... 15 Non Performing Financings (NPFs)

Gambar 16. Perkembangan Pembiayaan Non Lancar ............………………… ….….... 15 Non Performing Financings (NPFs)

Gambar 17. Laba dan Rugi Tahun Berjalan ............................………………………… 16 Current Year Profits and Losses

Gambar 18. Rasio Keuangan ROA dan ROE............................………………………… 16 ROA and ROE Financial Ratio

Gambar 19. Layanan Syariah……………..............................…………………………… 17 Office Channeling

Tabel 9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)..... 18 Transaction of Islamic Interbank Money Market (PUAS)

Gambar 20. Volume Transaksi PUAS……………………………………………………….. 19 Volume of PUAS Transaction

Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)……………………………. 19 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank .................................... 20 Islamic Banks’s Share to All Banks

Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank..................................... 20 Islamic Banks’s Share to All Banks

Tabel 11. Kegiatan Usaha BPR Syariah ................................................................. 21 Islamic Rural Banks Operations

Tabel 12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah) .... .............................. 22 Islamic Rural Banks Based on Total Assets (Million IDRs)

Tabel 13. Jumlah Rekening and Persentase Pembiayaan Non Lancar BPRS ............ 22 Number of Account and Percentage of Non Performing Financing Rural Islamis Banks

Tabel 14. Pangsa BPR Syariah Terhadap Total BPR .................. ............................. 22 Islamic Rural Bank’s Share to All Rural Banks

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Tabel 1. Jaringan Kantor Networking

Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KKGroup of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO

Bank Umum SyariahIslamic Commercial Banks1. PT Bank Muamalat Indonesia*) 1 51 10 9 80 1 51 10 10 80 1 51 10 10 802. PT Bank Syariah Mandiri*) 1 57 43 9 69 1 57 43 11 76 1 57 43 11 923. PT Bank Syariah Mega Indonesia 1 4 4 0 0 1 4 4 0 0 1 4 4 0 0Unit Usaha SyariahIslamic Banking Unit1. PT Bank IFI 1 1 0 0 0 1 1 0 0 0 1 1 0 0 02. PT Bank Negara Indonesia 1 22 25 0 0 1 23 25 0 0 1 24 25 0 03. PT Bank Jabar 1 5 0 0 0 1 5 0 0 0 1 5 1 0 04. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 05. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 06. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 07. PT Bank Internasional Indonesia 1 1 3 0 0 1 1 3 0 0 1 1 3 0 08. HSBC, Ltd. 1 0 1 0 0 1 0 1 0 0 1 0 1 0 09. PT Bank DKI 1 1 0 0 3 1 1 0 0 4 1 1 0 0 510. BPD Riau 1 2 0 0 0 1 2 0 0 0 1 2 0 0 011. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 012. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 013. BPD Sumatera Utara 1 2 0 0 0 1 2 0 0 0 1 2 0 0 014. BPD Aceh 1 1 0 0 0 1 1 0 0 2 1 1 0 0 215. Bank Permata 1 4 5 0 0 1 5 5 0 0 1 5 5 0 016. Bank Tabungan Negara 1 7 0 0 0 1 9 0 0 0 1 9 0 0 017. BPD Nusa Tenggara Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 018. BPD Kalimantan Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 019. BPD Sumatera Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 020. BPD Kalimantan Timur 1 1 0 0 0 1 1 0 0 021. BPD DIY 1 1 0 0 022. BPD Sulawesi Selatan23. BPD Sumatera Barat24. BPD Jawa TimurBank Perkreditan Rakyat SyariahIslamic Rural Banks

TOTAL 127 204 116 18 152 128 209 116 21 162 129 211 117 21 179

0 0 0 0

172

21 99 60 0 7

3 112 57 21

105 0 0 0

Sep-06

21

097

57 18

Dec-06

156

6

0

20 59

0 0105 0 105

573 112149

19 92 59 0 3

3 112

0

Mar-07

Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KKGroup of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO

Bank Umum SyariahIslamic Commercial Banks1. PT Bank Muamalat Indonesia*) 1 51 10 10 80 1 51 10 10 80 1 51 10 10 802. PT Bank Syariah Mandiri*) 1 57 43 11 100 1 57 46 11 100 1 57 46 11 1023. PT Bank Syariah Mega Indonesia 1 4 7 0 0 1 4 7 0 0 1 4 7 0 0Unit Usaha SyariahIslamic Banking Unit1. PT Bank IFI 1 1 0 0 0 1 1 0 0 0 1 1 0 0 02. PT Bank Negara Indonesia 1 24 25 0 0 1 24 25 0 0 1 24 25 0 03. PT Bank Jabar 1 5 1 0 0 1 5 1 0 0 1 5 1 0 04. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 05. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 06. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 07. PT Bank Internasional Indonesia 1 2 0 0 0 1 2 0 0 0 1 2 0 0 08. HSBC, Ltd. 1 0 1 0 0 1 0 1 0 0 1 0 1 0 09. PT Bank DKI 1 1 0 0 5 1 1 0 0 5 1 1 0 0 510. BPD Riau 1 2 0 0 1 1 2 0 0 1 1 2 0 0 111. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 012. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 013. BPD Sumatera Utara 1 2 0 0 0 1 2 0 0 0 1 2 0 0 014. BPD Aceh 1 1 0 0 2 1 1 0 0 2 1 1 0 0 215. Bank Permata 1 5 5 0 0 1 5 5 0 0 1 5 1 0 016. Bank Tabungan Negara 1 9 0 0 0 1 11 0 0 0 1 11 0 0 017. BPD Nusa Tenggara Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 018. BPD Kalimantan Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 019. BPD Sumatera Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 020. BPD Kalimantan Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 021. BPD DIY 1 1 0 0 0 1 1 0 0 0 1 1 0 0 022. BPD Sulawesi Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 023. BPD Sumatera Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 024. BPD Jawa Timur 1 1 0 0 0 1 1 0 0 0Bank Perkreditan Rakyat SyariahIslamic Rural Banks

TOTAL 133 214 117 21 188 134 217 120 21 188 135 217 116 21 190*) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO)

23 102

3 112 60 21

57 80

107 0 0 0 0

24 105 57 0

180

8

21

108107 0 0 0 0

Jun-07

3 112 63

Aug-07

112 633

Jul-07

180 21 182

24 105 0 853

0 0 0 0

Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - UPS = Unit Pelayanan Syariah - KK = Kantor Kas (tidak termasuk Gerai Muamalat) - Tidak termasuk Layanan Syariah

Note: - HO = Head Office

- IBU = Islamic Banking Unit - HOO = Head Operational Office

- BO = Branch Office - SBO = Sub Branch Office

- SSU = Syari’a Services Unit - CO = Cash Office

- Not Include Office Channeling


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Tabel 2. Aset (Juta Rupiah) Assets (Million IDRs)

KETERANGAN Sep-06 Dec-06 Mar-07 Jun-07 Jul-07 Aug-07ITEMS

1. Kas 296,707 346,114 370,870 377,200 487,365 367,890 Cash2. Penempatan pada BI 2,234,167 3,640,734 4,804,784 3,461,996 3,042,103 2,420,532

Placement at Bank Indonesia3. Penempatan pada bank lain 901,533 991,377 1,227,930 1,127,480 1,110,417 1,121,823

Inter-bank assets4. Pembiayaan yang diberikan 19,662,542 20,444,907 20,820,064 22,969,103 23,687,318 24,637,850

Financing extended5. Penyertaan 5,660 5,660 40,660 40,660 40,660 40,660

Equity participation6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (507,931) (514,724) (617,879) (766,387) (805,964) (869,517)

Allowances for earning assets losses (PPAP)7. Aktiva tetap dan investaris 260,844 270,397 266,578 274,288 275,229 274,599

Fixed assets and inventory8. Rupa-rupa aktiva 1,455,442 1,495,482 1,512,513 1,691,891 2,034,409 2,120,121

Other assetsJ U M L A H 24,313,155 26,722,030 28,447,352 29,208,812 29,899,604 30,144,504 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 (Juta Rupiah) Liabilities and Equity (Miliion IDRs)

KETERANGAN Sep-06 Dec-06 Mar-07 Jun-07 Jul-07 Aug-07ITEMS

1. Giro wadiah 2,747,786 3,415,747 3,615,077 3,187,509 3,327,940 3,366,363 Wadiah-current accounts2. Tabungan mudharabah 5,604,591 6,430,355 6,740,443 7,187,821 7,524,694 7,693,895

Mudharabah-saving accounts3. Deposito mudharabah 9,623,131 10,826,079 11,527,413 12,338,926 12,379,147 12,248,321

Mudharabah-investment accounts4. Kewajiban terhadap BI 32,346 32,319 32,305 32,279 32,266 32,263

Liabilities to Bank Indonesia5. Kewajiban kepada bank lain 1,125,800 873,991 1,230,576 1,395,482 1,483,281 1,360,353

Inter-bank liabilities6. Pembiayaan yang diterima 185,387 180,625 177,142 167,772 167,545 167,128

Received Financing7. Kewajiban lainnya 278,014 284,938 289,071 372,611 366,276 400,090

Other payables8. Setoran jaminan 19,425 25,126 26,988 35,244 35,720 31,498

Guarantee deposits9. Antar Kantor Bersih 2,652,489 2,365,712 2,330,968 2,085,715 2,129,846 2,345,177

Interoffice net10. Rupa-rupa pasiva 411,424 460,790 560,671 513,712 512,258 518,794

Other liabilities11. Modal disetor 951,224 991,224 991,224 1,001,224 1,001,224 1,001,224

Paid-in capital12. Perkiraan tambahan modal disetor 951,224 991,224 991,224 1,001,224 1,001,224 1,001,224

Additional paid-in capital account13. Cadangan 268,040 268,040 252,553 275,310 275,308 275,308

Reserves14. Laba/rugi 236,889 382,503 508,703 450,360 503,534 541,046

Profit/Loss a. Tahun-tahun lalu (24,548) 27,456 349,976 148,965 148,962 148,963

Previous years i. Laba 78,115 78,115 353,065 151,987 151,984 151,985

Profit ii. Rugi -/- (102,663) (50,659) (3,089) (3,022) (3,022) (3,022)

Loss b. Tahun berjalan 261,437 355,047 158,727 301,395 354,572 392,083

Current year i. Laba 618,394 814,598 323,690 633,493 749,718 856,897

Profit ii. Rugi -/- (356,957) (459,551) (164,963) (332,098) (395,146) (464,814)

LossJ U M L A H 24,313,155 26,722,030 28,447,352 29,208,812 29,899,604 30,144,504

Total Liabilities and Equity


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Tabel 4. Laba / Rugi (Juta Rupiah) Income Statement (Miliion IDRs)

Sep-06 Dec-07 Mar-07 Jun-07 Jul-07 Aug-07

I. Pendapatan Operasional 2,383,985 3,372,807 956,497 2,172,120 2,517,981 2,645,117 Operations Income A. Pendapatan dari Penyaluran Dana 2,169,240 3,084,714 876,903 1,998,347 2,309,161 2,402,711

Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 2,062,666 2,941,373 813,126 1,868,176 2,162,714 2,240,696

From Third Party Non Banks 2. Bank Indonesia 51,349 71,307 45,244 89,596 99,369 107,278

From Bank Indonesia 3. Bank-bank lain 55,225 72,034 18,533 40,575 47,078 54,737

From Other Banks B. Pendapatan Operasional Lainnya 214,745 288,093 79,594 173,773 208,820 242,406

Other Operations Income1. Jasa Investasi Terikat 7,952 10,798 3,386 9,133 11,248 13,047

Restricted Investment Services2. Jasa layanan 47,041 69,573 22,411 45,712 54,711 63,252

Fee Based Income3. Pendapatan dari transaksi valuta asing 1,331 3,404 1,182 3,165 4,041 5,433

Income from Foreign Exchange Transaction4. Koreksi PPAP 34,728 44,951 12,775 22,486 29,251 32,561

Provision for Losses Correction5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 59 3,126 18 162 79 189

Correction of Provision for Losses Administrative Statement Transaction6. Lainnya 123,634 156,241 39,822 93,115 109,490 127,924

OthersII. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (950,876) (1,305,700) (350,382) (716,393) (835,595) (956,343) Profit Sharing for Unrestricted Investment

1. Pihak ketiga bukan bank 918,042 1,269,765 343,057 702,072 818,870 937,247From Third Party Non Banks

2. Bank Indonesia 0 0 0 0 0 0From Bank Indonesia

3. Bank-bank lain 32,834 35,935 7,325 14,321 16,725 19,096From Other Banks

III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Tidak Terikat1,446,314 1,446,314 1,446,314 1,446,314 1,446,314 1,446,314 Distribution Income after Distribution Income For Unrestricted Investment InvestorIV. Beban Operasional 1,114,123 1,586,836 431,846 1,124,015 1,297,549 1,258,575 Operations Expenses A. Beban Bonus titipan wadiah 37,430 58,488 16,682 31,402 37,107 42,631

Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing 44 46 1 3 2 4

Foreign Exchange Transaction Expense C. Biaya Perbaikan Aktiva Ijarah 0 0 0 0 0 0

Ijarah Assets Recovery Cost D. Premi 25,948 36,967 11,224 23,539 26,577 31,222

Premium E. Tenaga kerja 286,036 438,628 117,290 260,065 306,529 353,987

Labour F. Pendidikan dan pelatihan 13,887 19,248 3,308 7,880 9,605 11,296

Education and Training G. Penelitian dan pengembangan 741 985 269 501 535 665

Research and Development H. Sewa 70,015 102,165 25,469 53,055 62,312 71,267

Leasing I. Promosi 62,662 89,856 24,008 56,087 67,769 81,306

Promotion J . Pajak-Pajak (Tidak termasuk pajak penghasilan) 2,231 3,104 576 1,671 1,961 2,206

Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 20,718 31,087 7,759 16,406 19,262 22,235

Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 389,069 542,876 159,654 537,202 602,845 454,116

Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 83 379 36 71 84 97

Decrease in Value of Securities N. Lainnya 205,259 263,007 65,570 136,133 162,961 187,543

Others Laba Operasional 318,986 480,271 174,269 331,712 384,837 430,199Operation Profit Pendapatan Non Operasional 587,009 837,765 275,100 565,136 666,005 787,522Non Operations Income Beban Non Operasional 629,801 903,986 274,095 566,769 667,996 791,976Non Operations Expenses Laba Non Operasional (42,792) (66,221) 1,005 (1,633) (1,991) (4,454)Non Operations Profit Laba Tahun Berjalan 276,194 414,050 175,274 330,079 382,846 425,745Current Profit/LossLaba (setelah taksiran pajak penghasilan) 261,437 355,047 158,727 301,395 354,572 392,083Profit After Calculations of Income Tax

KETERANGAN


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Gambar 1. Perkembangan Aset Growth of Assets

2.75% 2.74%

2.23%

0.85%

-0.28%

1.73%

0.72%

2.37%

4.84%

3.06%3.12%3.13%

0.82%

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00

30.00

Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07

Triliun Rupiah (Trillion IDRs)

-1%

0%

1%

2%

3%

4%

5%

6%

Aset (Assets)

Perkembangan Aset (Assets Growth)

Gambar 2. Sumber Dana Source of Fund

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00



Pembiayaan yang diterima (Received financing)

Deposito Mudharabah (Mudharabah-inv. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.)

Giro Wadiah (Wadiah-cur. acc.)


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Tabel 5. Komposisi Dana Pihak Ketiga (Juta Rupiah) Composition of Deposits (Million IDRs)

Giro Wadiah Nilai (Amount) 2,747,786 3,415,747 3,615,077 3,187,509 3,327,940 3,366,363

Wadiah currency account Pangsa (Share) 15.29% 16.52% 16.52% 14.03% 14.32% 14.44%

Tabungan Mudharabah Nilai (Amount) 5,604,591 6,430,355 6,740,443 7,187,821 7,524,694 7,693,895

Mudharabah saving account Pangsa (Share) 31.18% 31.11% 30.80% 31.64% 32.39% 33.01%

Deposito Mudharabah Nilai (Amount) 9,623,131 10,826,079 11,527,413 12,338,926 12,379,147 12,248,321

Mudharabah investment account Pangsa (Share) 53.53% 52.37% 52.68% 54.32% 53.29% 52.55%

17,975,508 20,672,181 21,882,933 22,714,256 23,231,781 23,308,579

Jul-07Jun-07Dec-06 Mar-07Sep-06

Total

DANA PIHAK KETIGA

DEPOSIT FUNDJul-07

Gambar 3. Jumlah Rekening Dana Pihak Ketiga Number of Account Deposit s

0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

Giro wadiah (Wadiah Curr. Acc)

Deposito Mudharabah (Mudharabah Inv. Acc.)

Tabungan Mudharabah (Mudharabah Sav. Acc.)

Giro wadiah (Wadiah Curr. Acc) 31,609 32,758 33,477 35,970 34,499 35,399 36,032 35,994 36,819 37,652 37,840 38,979 40,464

Deposito Mudharabah (Mudharabah Inv. Acc.) 74,006 70,691 71,679 72,214 74,078 76,214 78,483 80,453 82,190 82,929 83,481 85,365 85,948

Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,589,8401,667,9821,727,7311,855,8611,883,8751,946,9411,985,2792,064,45 2,118,9012,196,654 2,264,68 2,306,60 2,393,117



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Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga Percentage of Profit Sharing Deposits

0

2

4

6

8

10

12

(

%

)

Giro wadiah (Wadiah Curr. Acc) 1.11 1.16 1.13 1.12 1.27 1.12 0.97 1.07 0.98 1.10 1.00 1.08 1.12

Deposito Mudharabah (Mudharabah Inv. Acc.) 10.01 8.89 8.52 8.74 9.41 8.59 8.63 8.19 7.92 8.05 7.89 7.76 7.91

Tabungan Mudharabah (Mudharabah Sav. Acc.) 5.62 4.11 3.66 3.32 3.72 3.32 3.54 3.48 3.46 3.32 3.24 3.00 3.15


Gambar 5. Komposisi Dep osito Mudarabah Composition of Mudharabah Investment Account

0.02%

19.62%

11.67%

13.13%

56.62%

0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00%

1 Bulan (Month)

3 bulan (Months)

6 bulan (Months)

12 bulan (Months)

diatas 12 bulan (ab. 12 Months)


8

Gambar 6. Aktiva Produktif Utama The Major Earning Assets

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00

30.00



Penyertaan (Eq. participation)

Pembiayaan yang diberikan (Fin. extended)

Penempatan pada bank lain (Inter bk assets)

Penempatan pada BI (Plcment at BI)

Tabel 6. Komposisi Pembiayaan (Juta Rupiah) Composition of Financing (Million IDRs)

Pembiayaan Musyarakah Nilai (Amount) 2,336,017 2,334,751 2,367,837 3,289,327 3,378,871 3,725,870

Musharakah Financing Pangsa (Share) 11.88% 11.42% 11.37% 14.32% 14.26% 15.12%

Pembiayaan Mudharabah Nilai (Amount) 3,842,979 4,062,200 4,132,872 4,686,835 4,855,228 5,029,130

Mudharabah Financing Pangsa (Share) 19.54% 19.87% 19.85% 20.40% 20.50% 20.41%

Piutang Murabahah Nilai (Amount) 12,449,101 12,624,241 12,769,755 13,936,084 14,370,147 14,768,565

Murabahah Receivable Pangsa (Share) 63.31% 61.75% 61.33% 60.67% 60.67% 59.94%

Piutang Salam Nilai (Amount) - - - - - -

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

Piutang Istishna' Nilai (Amount) 303,440 336,970 342,585 333,695 332,534 331,612

Istishna' Receivable Pangsa (Share) 1.54% 1.65% 1.65% 1.45% 1.40% 1.35%

Lainnya Nilai (Amount) 731,005 1,086,745 1,207,015 723,162 750,538 782,673

Others Pangsa (Share) 3.72% 5.32% 5.80% 3.15% 3.17% 3.18%

19,662,542 20,444,907 20,820,064 22,969,103 23,687,318 24,637,850

Jul-07 Aug-07Jun-07

Total

RINCIAN PEMBIAYAAN YANG DIBERIKAN

ITEMS OF FINANCINGSep-06 Dec-06 Mar-07


9

Tabel 7 . Pembiayaan Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing based on Economic Sector (Million IDRs)

Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 735,353 701,044 631,485 651,089 662,774 644,142

Agriculture, forestry and agricultural facilities Pangsa (Share) 3.74% 3.43% 3.03% 2.83% 2.80% 2.61%

Pertambangan Nilai (Amount) 724,125 374,581 288,760 402,234 438,423 478,538

Mining Pangsa (Share) 3.68% 1.83% 1.39% 1.75% 1.85% 1.94%

Perindustrian Nilai (Amount) 1,043,957 939,713 962,276 1,106,830 1,122,519 1,187,799

Manufacturing Pangsa (Share) 5.31% 4.60% 4.62% 4.82% 4.74% 4.82%

Listrik, gas dan air Nilai (Amount) 90,815 17,158 5,644 27,343 125,245 49,084

Water, gas and electricity Pangsa (Share) 0.46% 0.08% 0.03% 0.12% 0.53% 0.20%

Konstruksi Nilai (Amount) 1,917,401 1,637,027 1,552,117 1,800,048 1,990,273 2,182,801

Constuction Pangsa (Share) 9.75% 8.01% 7.45% 7.84% 8.40% 8.86%

Perdagangan, restoran dan hotel Nilai (Amount) 2,551,781 3,041,050 3,915,476 3,987,678 3,725,191 3,818,784

Trade, restaurants and hotels Pangsa (Share) 12.98% 14.87% 18.81% 17.36% 15.73% 15.50%

Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1,331,252 1,165,429 1,229,543 1,304,430 1,425,979 1,490,049

Transport, cargo storage and commnucation Pangsa (Share) 6.77% 5.70% 5.91% 5.68% 6.02% 6.05%

Jasa dunia usaha Nilai (Amount) 5,074,300 5,457,711 5,394,551 6,837,406 7,344,018 7,567,868

Business Services Pangsa (Share) 25.81% 26.69% 25.91% 29.77% 31.00% 30.72%

Jasa sosial/masyarakat Nilai (Amount) 1,402,699 1,456,391 1,389,760 1,685,708 1,660,742 1,685,990

Social Services Pangsa (Share) 7.13% 7.12% 6.68% 7.34% 7.01% 6.84%

Lain-lain Nilai (Amount) 4,790,859 5,654,803 5,450,452 5,166,337 5,192,154 5,532,795

Others Pangsa (Share) 24.37% 27.66% 26.18% 22.49% 21.92% 22.46%

19,662,542 20,444,907 20,820,064 22,969,103 23,687,318 24,637,850

Aug-07

Total

ECONOMIC SECTORJun-07Dec-06 Jul-07

SEKTOR EKONOMISep-06 Mar-07

Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan Financing based On Type of Use

9.99

10.33

10.45

10.66

10.41

10.82

10.25

11.04

11.38

11.8812.89

13.48

13.83

4.88

4.53

4.46 4.39 4.37

4.23 4.26 4.324.64 4.70 4.90 5.01 5.26

5.33

4.17

4.805.17

5.34 5.675.17

5.96

5.46

5.34 5.17 5.205.54

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00


Triliun Rp (Trillion IDRs)

Modal Kerja (Working Capital)Investasi (Investment)Konsumsi (Consumption)


10

Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan Financing based on Type of Financing

17.31

7.33

16.75

16.44

15.71

15.49

15.33

14.91

14.58

14.87

14.59

14.43

13.7412.94

6.946.53

6.215.865.495.555.645.57

5.805.665.92

6.09

-

2

4

6

8

10

12

14

16

18

20


Triliun Rp (Trillion IDRs)

UKM (Small and Medium Business)

Non UKM (Small and Medium Business)

Gambar 9. Jumlah Rekening Pembiayaan Number of Account Financing

0

100,000

200,000

300,000

400,000

500,000

600,000

Pembiayaan (Financing)Piutang (Receivable)Lain-lain (Others)

Pembiayaan (Financing) 16,188 16,712 17,181 17,549 17,991 18,120 18,502 19,204 19,961 20,736 22,048 23,208 24,547

Piutang (Receivable) 237,728 263,233 524,913 557,281 353,673 372,616 386,931 399,617 405,649 402,485 409,775 423,542 441,486

Lain-lain (Others) 222 317 399 412 445 486 516 541 563 584 739 772 855



11

Gambar 10. Persentase B agi Hasil/Fee/Margin Pembiayaan Percentage o f Profit Sharing/Fee/Margin of Financing

-2

0

2

4

6

8

10

12

14

16

18

(%)Pembiayaan (Financing)Piutang (Receivable)Lain-lain (Others)

Pembiayaan (Financing) 12.26 12.10 12.39 12.11 12.46 12.62 12.58 14.69 14.07 13.95 13.88 13.85 13.56

Piutang (Receivable) 12.35 12.27 12.31 12.23 12.24 14.60 14.25 15.61 15.53 15.45 15.33 15.06 14.90

Lain-lain (Others) 14.56 0.49 0.58 0.55 0.66 2.35 0.62 0.62 0.56 0.29 0.26 0.26 0.25

Aug-06

Sep-06

Oct-06

Nov-06

Dec-06

Jan-07

Feb-07

Mar-07

Apr-07

May-07

Jun-07

Jul-07

Aug-07


12

Gambar 11. Komposisi Penggunaan dan Sumber Dana Composition of Uses and Source of Fund

Aug-2007

14%

52%

1%

33%

Aug-2007

9%

87%

0%4%

Jul-2007

11%

85%

0%

4%

Jun-2007

13%

83%

0%

4%

Penempatan pada BI (Plcment at BI)

Penempatan pada bank lain (Inter bk assets)


Penyertaan (Eq. participation)

Jun-2007

14%

54%

1%

31%

Giro Wadiah (Wadiah-cur. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.)

Deposito Mudharabah (Mudharabah-inv. acc.)

Pembiayaan yang diterima (Received financing)

Jul-2007

14%1%

53%32%


13

Gambar 12. Rincian Beberapa Surat Berharga (Securities)

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50


Triliun Rp (Trilion IDRs)

SWBI Sertifikat IMA (IMA Certificate) Obligasi Syariah (Sharia Obligations) Surat Berharga yang dimiliki (Securities)

Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga Percentage of Bonus/Profit Sharing Securities

0.00

5.00

10.00

15.00

20.00

25.00

30.00

35.00

(%)

Persentase Bonus SWBI (% bonus SWBI-Av.) 0.46 1.41 1.06 2.73 1.99 2.72 1.35 1.23 1.04 0.85 1.52 1.43 1.61

Persentase Bagi Hasil Sertifikat IMA (% profitsharing IMA Certificate-Av))

26.44 28.86 15.81 18.35 6.24 7.45 26.06 3.63 5.73 3.46 1.95 4.63 2.51

Persentase Bagi Hasil Obligasi Syariah (% profitsharing sharia obligation-Av)

7.89 8.70 6.92 6.79 8.04 8.43 8.81 9.05 9.10 9.82 9.82 9.62 9.48

Persentase Bagi Hasil Surat Berharga yang dimiliki (% profit sharing securities-Av)

11.70 11.80 12.49 12.52 12.46 13.50 13.36 13.88 13.59 13.30 13.17 12.51 12.49



14

Gambar 14. Sumber Dana, Pembiayaan, dan FDR Source of Fund, Financing, and FDR

105.70%

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00



50%

100%

150%


Dana Pihak Ketiga (Deposit Fund)

FDR (Financing to Deposit Ratio)

Gambar 15. Pembiayaan dan PPAP Financing and Provision for Losses (PPAP)

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00




Provision for Losses (PPAP)


15

Tabel 8. Pembiayaan Non Lancar Non Performing Financings (NPFs)*) (Miliion IDRs)

Lancar Nilai (Amount) 17,685,310 18,582,911 18,468,301 20,228,465 20,662,921 21,565,360

Current Pangsa (Share) 89.94% 90.89% 88.70% 88.07% 87.23% 87.53%

Dalam Perhatian Khusus Nilai (Amount) 969,362 890,780 1,157,905 1,317,277 1,466,339 1,439,147

Special Mention Pangsa (Share) 4.93% 4.36% 5.56% 5.73% 6.19% 5.84%

Kurang Lancar Nilai (Amount) 432,676 352,584 393,080 512,678 561,452 551,551

Sub-standard Pangsa (Share) 2.20% 1.72% 1.89% 2.23% 2.37% 2.24%

Diragukan Nilai (Amount) 201,300 235,993 266,541 327,756 354,008 344,810

Doubtful Pangsa (Share) 1.02% 1.15% 1.28% 1.43% 1.49% 1.40%

Macet Nilai (Amount) 373,894 382,639 534,237 582,927 642,454 736,982

Loss Pangsa (Share) 1.90% 1.87% 2.57% 2.54% 2.71% 2.99%

19,662,542 20,444,907 20,820,064 22,969,103 23,687,174 24,637,850

1,007,870 971,216 1,193,858 1,423,361 1,557,914 1,633,343

5.13% 4.75% 5.73% 6.20% 6.58% 6.63%

Mar-07Dec-06Sep-06COLLECTIBILITY OF FINANCING

Percentage of NPFs

KOLEKTIBILITAS PEMBIAYAAN

Total Pembiayaan (Total Financing)

Nominal NPFs (Coll. 3-5)

Jun-07 Jul-07 Aug-07

*) 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 16. Perkembangan Pembiayaan Non Lancar Development of Non Performing Financings (NPFs)

1.13 1.19 1.351.05

1.311.07 1.421.56

0.97

1.021.01

0.97

1.63

5.08%

6.63%

6.58%6.20%6.17%

6.14%

5.73%5.54%

5.17%

4.75%

5.24%

5.07%

5.13%

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00

24.00

26.00

28.00



0%

1%

2%

3%

4%

5%

6%

7%

Total FinancingNominal NPFs (Coll. 3-5)Percentage of NPFs


16

Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses

537.74-313.96

618.39-356.96

693.39-413.58

773.84-453.33

814.60-459.55

118.00-44.49

217.93-104.70

323.69-164.96

424.86-230.54

524.95-283.95

633.49-332.10

749.72-395.15

856.90-464.81

-650 -590 -530-470 -410 -350 -290 -230 -170 -110 -50 10 70 130 190 250 310 370 430 490 550 610 670 730 790 850 910 970

Milyar Rupiah (Billion IDRs)

Aug-06

Sep-06

Oct-06

Nov-06

Dec-06

Jan-07

Feb-07

Mar-07

Apr-07

May-07

Jun-07

Jul-07

Aug-07

Laba tahun berjalan (Current year profit)

Rugi tahun berjalan (Current year losses)

Gambar 17. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio

1.41% 1.38%

1.88%1.86%1.76%1.75%1.75%1.69%1.55%1.44%1.38%1.68% 1.65%

49.99%

46.66% 45.95%

51.44%

44.47%

41.81%41.18%

36.94%

33.82%31.56%

45.59%

31.49%

30.03%

0%

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%


0%

10%

20%

30%

40%

50%

60%

ROA ROE


17

Gambar 18. Layanan Syariah Office Channeling

0

100

200

300

400

500

600

700

800

900

1000

Aug-06

Sep-06

Oct-06

Nov-06

Dec-06

Jan-07

Feb-07

Mar-07

Apr-07

May-07

Jun-07

Jul-07

Aug-07

jum

lah

kant

or (n

umbe

r of o

ffice

s)

-50,000

50,000

150,000

250,000

350,000

450,000

550,000Juta Rp (Milion IDRs)

Jumlah Kantor (Number of Offices)

Dana Pihak Ketiga (Deposits)


18

Tabel 9. 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)

Agustus1-Aug-07 10,000 10.6000 59.43 1 5.6389

17,600 17.4585 26.00 1 5.63893,500 10.6000 57.00 2 5.6389

15,000 11.8500 51.00 14 5.63892-Aug-07 15,000 17.4585 26.00 1 4.7743

1,200 17.4585 23.00 1 4.77433,500 10.6000 57.00 5 4.7743

3-Aug-07 14,200 17.4585 23.00 1 4.65301,900 17.4585 23.00 1 4.65303,000 17.4585 29.00 1 4.65305,500 13.9900 45.00 7 4.6530

6-Aug-07 4,000 13.9900 45.00 7 6.12975,000 17.4585 34.35 3 6.1297

7-Aug-07 10,000 17.4585 26.00 1 5.313712,500 17.4585 34.50 1 5.31375,000 17.4585 34.50 1 5.3137

20,000 11.8500 51.00 14 5.31378-Aug-07 3,000 15.2292 36.20 2 6.1695

10,000 17.4585 26.00 1 6.16955,000 11.8500 52.00 5 6.1695

9-Aug-07 9,900 17.4585 31.50 1 5.79292,800 17.4585 34.00 1 5.7929

10,000 11.8500 51.00 14 5.792910-Aug-07 9,900 17.4585 33.00 1 5.761313-Aug-07 5,000 13.9900 45.00 7 6.2159

1,500 13.9900 45.00 7 6.21593,000 11.8500 51.00 7 6.2159

14-Aug-07 - - - - -15-Aug-07 1,500 13.9900 40.00 1 6.2502

10,000 17.4585 40.00 5 6.250215,000 11.8500 51.00 14 6.2502

16-Aug-07 10,000 13.9900 45.00 7 6.23743,000 11.8500 51.00 7 6.2374

20-Aug-07 13,400 17.4585 29.00 1 5.236310,000 17.4585 24.00 1 5.23633,000 11.8500 51.00 11 5.2363

21-Aug-07 13,000 17.4585 31.50 1 5.968120,000 11.8500 51.00 10 5.968110,000 13.9900 46.00 9 5.9681

22-Aug-07 36,000 17.4585 29.00 1 5.553910,000 17.4585 34.50 1 5.553910,000 13.9900 45.00 7 5.553910,000 17.4585 35.00 2 5.5539

23-Aug-07 15,800 17.4585 29.00 1 5.421920,000 11.8500 51.00 7 5.4219

24-Aug-07 16,000 17.4585 23.00 1 4.69746,500 10.6000 57.00 3 4.6974

27-Aug-07 10,000 17.4585 23.00 1 4.81495,000 17.4585 23.00 1 4.81493,000 13.9900 45.00 7 4.8149

28-Aug-07 20,900 17.4585 23.00 1 4.92514,000 17.4585 26.00 1 4.9251

15,000 13.9900 45.00 7 4.925129-Aug-07 20,300 17.4585 23.00 1 5.1029

2,000 13.9900 45.00 7 5.102915,000 11.8500 51.00 7 5.1029

30-Aug-07 14,000 11.8500 51.00 1 4.73117,000 17.4585 26.00 1 4.7311

31-Aug-07 16,600 17.4585 23.00 1 5.15412,000 13.9900 45.00 7 5.1541

PeriodeVolume Transaksi

(Juta Rupiah)

Tingkat Indikasi Imbalan Sertifikat IMA (%) Jangka Waktu (hari)

Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt Indikasi Imbalan Sertifikat

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

PeriodVolume of

Transaction (Million IDRs)

Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA

Certificate (%)Maturity (Days)


19

Gambar 19. Volume Transaksi PUAS Volume of PUAS Transaction

0

500

1,000

1,500

2,000

2,500M

iliar

Rp

(Bili

on

IDR

s)

Volume of PUAS Transaction

Volume of PUAS Transaction 1506.5 2288.9 700.8 689.8 761.6 764.45 728.5 680.8 375.8 806.6 651.9 780.5 933.8


Gambar 20. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

-

500

1,000

1,500

2,000

2,500

3,000

3,500

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

Outstanding SWBI/Aset

Outstanding 1,117 1,046 1,190 1,547 2,357 2,663 3,002 3,325 3,166 2,801 2,036 1,555 982.7

SWBI/Aset 4.74% 4.30% 4.75% 6.07% 8.82% 9.88% 10.84% 11.69% 11.16% 9.66% 6.97% 5.20% 3.26%



20

Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Juli 2007 – Miliar Rupiah)

Islamic Banks’s Share to All Banks (position Jul y 200 7 - Billion IDRs)

Nominal Share

Total Assets 29,900 1.66% 1,801,094

Deposit Fund 23,232 1.68% 1,379,211

Credit/Financing extended 23,687 2.72% 871,987

FDR/LDR*) 101.96% 63.22%

NPFS/NPL S*) 6.58% 5.81%

Islamic BanksTotal Banks

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

Gambar 21. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Juni 2007) Islamic Banks’s Share to All Banks (position June 2007)

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

Total AssetsDeposit FundFinancing extended

Total Assets 1.51% 1.52% 1.54% 1.56% 1.56% 1.58% 1.59% 1.63% 1.67% 1.66% 1.69% 1.65% 1.66%

Deposit Fund 1.42% 1.44% 1.49% 1.53% 1.55% 1.61% 1.60% 1.64% 1.69% 1.69% 1.73% 1.68% 1.68%

Financing extended 2.58% 2.62% 2.63% 2.66% 2.66% 2.58% 2.61% 2.61% 2.60% 2.63% 2.66% 2.67% 2.72%

Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06 Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07


21

Tabel 11. Kegiatan Usaha BPR Syariah (Juta Rupiah) Islamic Rural Banks Operations (Million IDRs)


Penyaluran dana 745,908 1,346,637 859,367 911,390 964,977 1,003,915Fund Disbursements

Pembiayaan 615,102 1,124,077 679,764 744,743 779,783 822,772

FinancingPiutang Murabahah 510,088 927,270 561,542 613,591 637,863 664,870Murabahah ReceivablePiutang salam 68 68 68 68 68 68

Salam ReceivablePiutang Istishna 1,913 4,092 1,184 915 5,296 6,254Istishna ReceivablePembiayaan Mudharabah 24,706 47,638 26,366 32,113 32,556 35,974

Mudharabah FinancingPembiayaan Mudharabah 59,279 108,568 69,904 75,650 80,088 89,533

Mudharabah FinancingIjarah 7,518 14,856 6,358 6,635 7,014 7,370

IjarahQardh 11,531 21,585 14,340 15,771 16,899 18,702

QardhAntar Bank 130,807 222,560 179,603 166,647 185,194 181,143Inter-Bank

Sumber Dana 608,372 1,096,445 722,838 766,257 815,809 844,890

Source of FundDana Pihak ketiga 473,808 862,171 567,354 601,079 628,586 651,391Third Party Funds

Tabungan Wadiah 64,185 115,340 80,282 85,935 91,183 93,118

Wadiah Savings AccountsTabungan Mudharabah 146,279 272,991 170,625 173,669 183,163 190,358Mudharabah Saving AccountsDeposito Mudharabah 263,344 473,840 316,447 341,475 354,239 367,915

Mudharabah Investment AccountsAntar Bank Pasiva 86,547 148,890 106,336 118,134 137,175 140,429

Inter- BankPinjaman yang diterima 40,962 71,881 42,927 42,453 42,056 44,246

Loans ReceivedKewajiban lainnya 7,055 13,502 6,220 4,591 7,992 8,824

Other LiabilitiesKomponen modal

Components CapitalModal disetor 145,131 274,015 155,659 162,551 165,421 171,761

Paid in CapitalCadangan 19,080 38,732 20,439 22,481 20,145 20,449ReservesL/R Tahun Berjalan 17,544 25,485 5,439 12,190 14,575 17,892

Current Earning Profit/LossL/R Tahun lalu (6,266) (11,669) 3,564 (5,566) (6,203) (6,729)Retained Earning Profit/Loss

Total Aset 816,319 1,482,627 945,005 997,254 1,052,646 1,092,059

Total Assets

INDIKATOR (Indicator)


22

Tabel 12. BPR Syariah Berdasarkan Total Aset Islamic Rural Banks Based on Total Assets

Total Aset Sep-06 Dec-06 Mar-07 Jun-07 Jul-07 Aug-07(Total Assets)

< 1 Miliar 7 7 7 8 7 7

1 s.d. 5 Miliar 55 57 49 50 49 50

> 5 s.d. 10 Miliar 21 22 28 25 25 25

> 10 Miliar 19 19 21 24 26 26

Total 102 105 105 107 107 108 Tabel 13. Jumlah Rekening and Persentase Pembiayaan Bermasalah BPR Syariah

Number of Account and Percentage of Non Performing Financing Islamic Rural Banks


Jumlah Nasabah Pembiayaan 69,701 74,698 85,793 82,942 85,583 87,167

Number of Financing AccountJumlah Nasabah Dana Pihak Ketiga 278,426 314,584 301,589 332,403 325,599 333,274

Nomber of Account Source of FundPembiayaan Bermasalah 9.38% 8.29% 8.75% 9.11% 8.73% 8.44%

Non Performing Financing

Keterangan

Tabel 14. Pangsa BPR Syariah Terhadap Total BPR (posisi Juli 2007 – Miliar Rupiah) Islamic Rural Bank’s Share to All Rural Banks (position July 200 7 – Billion IDRs)

Islamic Rural Banks

Nominal Share Total Rural Banks

Total Assets 1,053 4.02% 26,193 Deposit Fund 629 3.51% 17,892 Credit/Financing extended 780 3.84% 20,288 NPFS/NPLS*) 8.73% 8.93%

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