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Statistik Perbankan Syariah

Islamic Banking Statistics

Direktorat Perbankan Syariah

NOVEMBER 2006 NOVEMBER

1

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

Tabel 6. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi 7 Financing of Islamic Banks based on Economic Sector

Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi 8 Financing of Islamic Banks based on Type of Use

Tabel 8. Pembiayaan Perbankan Syariah Berdasarkan Golongan Pembiayaan 8 Financing of Islamic Banks based on Type of Financing

Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah 9 Composition of Uses and Sources of Fund of Islamic Banks

Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah 10 Sources of Fund, Financing, and FDR of Islamic Banks

Gambar 6. Pembiayaan dan PPAP Perbankan Syariah 10 Financing and Provision for Losses (PPAP) of Islamic Banks

Tabel 9. NPFs Perbankan Syariah Gambar 11 Non Performing Financings (NPFs) of Islamic Banks

Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah 11 Current Year Profits and Losses of Islamic Banks

Tabel 10. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) 12 Transaction of Islamic Interbank Money M arket (PUAS)

Gambar 8. Volume Transaksi PUAS 13 Volume of PUAS Transaction

Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) 13 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

Tabel 11. Pangsa Perbankan Syariah Terhadap Total Bank 14 Islamic Banks’s Share to All Banks

Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank 14 Islamic Banks’s Share to All Banks

2

Tabel 1. Jaringan Kantor Perbankan Syariah Networking of Islamic Banks

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 40 11 2 77 1 43 11 2 80 1 43 10 8 792. PT Bank Syariah Mandiri*) 1 55 43 7 55 1 55 43 8 55 1 55 43 8 563. PT Bank Syariah Mega Indonesia 1 4 3 0 0 1 4 3 0 0 1 4 3 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 19 15 0 0 1 19 18 0 0 1 19 21 0 03. PT Bank Jabar 1 5 0 0 0 1 5 0 0 0 1 5 0 0 04. PT Bank Rakyat Indonesia 1 27 15 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 4 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 1 1 1 0 0 1 1 1 0 0 310. BPD Riau 1 1 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 Sumut 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 0 1 1 0 0 015. Bank Permata 1 3 5 0 0 1 3 5 0 0 1 3 5 0 016. Bank Tabungan Negara 1 7 0 0 0 1 7 0 0 0 1 7 0 0 017. BPD NTB 1 1 0 0 0 1 1 0 0 0 1 1 0 0 018. BPD Kalbar 1 1 0 0 0 1 1 0 0 0 1 1 0 0 019. BPD Sumsel 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0Bank Perkreditan Rakyat SyariahIslamic Rural Banks

TOTAL 114 185 105 9 133 116 190 109 10 136 118 190 111 16 138

092 0 0 0 0

132

19 86 48 0 1

3 99 57 9

Jun-06

56 1353 102

52

9694 0 0 0

Mar-06

3 102 57 13510

119 88 88 3

0

19 55

Dec-05

16

00

00 0

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 82 1 51 10 10 822. PT Bank Syariah Mandiri*) 1 57 43 9 69 1 57 43 9 69 1 57 43 11 733. 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 22 25 0 0 1 22 25 0 03. PT Bank Jabar 1 5 0 0 0 1 5 0 0 0 1 5 0 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 3 1 1 0 0 410. 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 Sumut 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 0 1 1 0 0 215. Bank Permata 1 4 5 0 0 1 4 5 0 0 1 5 5 0 016. Bank Tabungan Negara 1 7 0 0 0 1 7 0 0 0 1 7 0 0 017. BPD NTB 1 1 0 0 0 1 1 0 0 0 1 1 0 0 018. BPD Kalbar 1 1 0 0 0 1 1 0 0 0 1 1 0 0 019. BPD Sumsel 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0Bank Perkreditan Rakyat SyariahIslamic Rural Banks

TOTAL 127 204 116 18 152 127 204 116 19 154 127 205 116 21 161*) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO)

0

Sep-06

3

3 112 57 18 149

19 92 59 0

105 0 0 0

19 92 59

112 573

Oct-06

0

0

151

0

3

105 0 0 105

19

0

19 93 59 60

00 0

15521

Nov-06

3 112 57

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)

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

3

Tabel 2. Aset Perbankan Syariah (Juta Rupiah) Assets of Islamic Banks (Million IDRs)

KETERANGAN Dec-05 Mar-06 Jun-06 Sep-06 Oct-06 Nov-06ITEMS

1. Kas 224,817 240,232 255,162 296,707 416,280 320,067 Cash2. Penempatan pada BI 3,179,821 2,091,496 2,236,101 2,234,167 2,407,990 2,804,821 Placement at Bank Indonesia3. Penempatan pada bank lain 1,057,526 956,785 832,120 901,533 908,652 771,929 Inter-bank assets4. Pembiayaan yang diberikan 15,231,942 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 Financing extended5. Penyertaan 5,660 5,660 5,660 5,660 5,660 5,660 Equity participation6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (306,675) (356,885) (428,454) (507,931) (547,236) (566,001) Allowances for earning assets losses (PPAP)7. Aktiva tetap dan investaris 235,756 251,334 254,131 260,844 261,135 262,366 Fixed assets and inventory8. Rupa-rupa aktiva 1,251,002 1,360,425 1,383,974 1,455,442 1,501,324 1,488,323 Other assets

J U M L A H 20,879,849 20,545,995 22,700,820 24,313,155 25,056,041 25,488,349 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)

4

Tabel 3. Kewajiban dan Modal Perbankan Syariah (Juta Rupiah) Liabilities and Equity of Islamic Banks (Miliion IDRs)

KETERANGAN Dec-05 Mar-06 Jun-06 Sep-06 Oct-06 Nov-06ITEMS

1. Giro wadiah 2,045,333 2,257,372 2,657,588 2,747,786 2,824,210 2,846,804 Wadiah-current accounts2. Tabungan mudharabah 4,370,568 4,501,201 4,971,785 5,604,591 5,749,437 5,844,672 Mudharabah-saving accounts3. Deposito mudharabah 9,166,428 8,197,133 8,803,355 9,623,131 10,282,438 10,655,678 Mudharabah-investment accounts4. Kewajiban terhadap BI 32,419 32,397 32,366 32,346 32,328 32,324 Liabilities to Bank Indonesia5. Kewajiban kepada bank lain 979,863 842,780 1,186,126 1,125,800 948,839 841,354 Inter-bank liabilities6. Pembiayaan yang diterima 203,861 194,790 190,439 185,387 185,164 185,786 Received Financing7. Kewajiban lainnya 208,906 210,618 272,383 278,014 322,049 290,513 Other payables8. Setoran jaminan 24,536 24,534 21,414 19,425 21,657 20,851 Guarantee deposits9. Antar Kantor Bersih 1,947,486 2,322,837 2,666,960 2,652,489 2,566,271 2,597,150 Interoffice net10. Rupa-rupa pasiva 424,349 398,398 396,018 411,424 400,481 413,808 Other liabilities11. Modal disetor 951,224 951,224 951,224 951,224 991,224 991,224 Paid-in capital12. Perkiraan tambahan modal disetor 132,498 132,498 951,224 951,224 991,224 991,224 Additional paid-in capital account13. Cadangan 230,128 230,112 268,043 268,040 268,040 268,040 Reserves14. Laba/rugi 162,250 250,101 140,621 236,889 307,267 347,963 Profit/Loss a. Tahun-tahun lalu (76,389) 168,195 (24,513) (24,548) 27,457 27,456 Previous years i. Laba 12,368 271,165 78,150 78,115 78,116 78,115 Profit ii. Rugi -/- (88,757) (102,970) (102,663) (102,663) (50,659) (50,659) Loss b. Tahun berjalan 238,639 81,906 165,134 261,437 279,810 320,507 Current year i. Laba 562,086 185,074 386,212 618,394 693,387 773,838 Profit ii. Rugi -/- (323,447) (103,168) (221,078) (356,957) (413,577) (453,331) Loss

J U M L A H 20,879,849 20,545,995 22,700,820 24,313,155 25,056,041 25,488,349 Total Liabilities and Equity

5

Gambar 1. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks

1.73%-0.22%

11.70%

-1.41%

0.42%

3.06%3.12%

-0.61%

0.71%

2.65% 3.13%3.65%3.85%

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

Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06

Trilyun Rupiah (Trillion IDRs)

-4%

-2%

0%

2%

4%

6%

8%

10%

12%

14%Aset (Assets)

Perkembangan Aset (Assets Growth)

Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00



Giro Wadiah (Wadiah-cur. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.)

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

6

Tabel 4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah) Composition of Deposit Fund of Islamic Banks (Million IDRs)

Giro Wadiah Nilai (Amount) 2,045,333 2,257,372 2,657,588 2,747,786 2,824,210 2,846,804

Wadiah currency account Pangsa (Share) 13.13% 15.09% 16.17% 15.29% 14.98% 14.71%

Tabungan Mudharabah Nilai (Amount) 4,370,568 4,501,201 4,971,785 5,604,591 5,749,437 5,844,672

Mudharabah saving account Pangsa (Share) 28.05% 30.10% 30.26% 31.18% 30.49% 30.21%

Deposito Mudharabah Nilai (Amount) 9,166,428 8,197,133 8,803,355 9,623,131 10,282,438 10,655,678

Mudharabah investment account Pangsa (Share) 58.83% 54.81% 53.57% 53.53% 54.53% 55.08%

15,582,329 14,955,706 16,432,728 17,975,508 18,856,085 19,347,154

Nov-06Sep-06Jun-06Mar-06Dec-05

Total

DANA PIHAK KETIGA

DEPOSIT FUNDOct-06

Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks

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)

7

Tabel 5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah) Composition of Financing of Islamic Banks (Million IDRs)

Pembiayaan Musyarakah Nilai (Amount) 1,898,389 2,005,520 2,099,122 2,336,017 2,340,342 2,327,692

Musharakah Financing Pangsa (Share) 12.46% 12.54% 11.56% 11.88% 11.65% 11.42%

Pembiayaan Mudharabah Nilai (Amount) 3,123,759 3,208,905 3,560,848 3,842,979 3,949,879 3,966,193

Mudharabah Financing Pangsa (Share) 20.51% 20.06% 19.61% 19.54% 19.66% 19.45%

Piutang Murabahah Nilai (Amount) 9,487,318 9,981,242 11,778,333 12,449,101 12,628,938 12,857,789

Murabahah Receivable Pangsa (Share) 62.29% 62.39% 64.85% 63.31% 62.87% 63.05%

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

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

Piutang Istishna' Nilai (Amount) 281,676 289,179 293,359 303,440 314,370 346,185

Istishna' Receivable Pangsa (Share) 1.85% 1.81% 1.62% 1.54% 1.56% 1.70%

Lainnya Nilai (Amount) 440,800 512,102 430,464 731,005 854,455 893,561

Others Pangsa (Share) 2.89% 3.20% 2.37% 3.72% 4.25% 4.38%

15,231,942 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420

Nov-06Sep-06Mar-06 Jun-06Dec-05 Oct-06

Total

RINCIAN PEMBIAYAAN YANG DIBERIKAN

ITEMS OF FINANCING

Tabel 6. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing of Islamic Banks based On Economic Sector (Million IDRs)

Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 687,281 633,256 678,476 735,353 734,205 724,068

Agriculture, forestry and agricultural facilities Pangsa (Share) 4.50% 3.96% 3.74% 3.74% 3.65% 3.55%

Pertambangan Nilai (Amount) 395,043 434,197 792,843 724,125 506,012 514,870

Mining Pangsa (Share) 2.59% 2.71% 4.37% 3.68% 2.52% 2.52%

Perindustrian Nilai (Amount) 933,295 929,423 1,017,145 1,043,957 1,006,230 996,702

Manufacturing Pangsa (Share) 6.11% 5.81% 5.60% 5.31% 5.01% 4.89%

Listrik, gas dan air Nilai (Amount) 66,082 109,452 91,478 90,815 54,113 51,068

Water, gas and electricity Pangsa (Share) 0.43% 0.68% 0.50% 0.46% 0.27% 0.25%

Konstruksi Nilai (Amount) 1,548,151 1,554,899 1,745,624 1,917,401 1,869,849 1,837,927

Constuction Pangsa (Share) 10.14% 9.72% 9.61% 9.75% 9.31% 9.01%

Perdagangan, restoran dan hotel Nilai (Amount) 1,715,810 1,896,059 2,229,781 2,551,781 2,704,257 2,940,605

Trade, restaurants and hotels Pangsa (Share) 11.24% 11.85% 12.28% 12.98% 13.46% 14.42%

Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1,261,178 1,250,160 1,343,318 1,331,252 1,246,075 1,192,689

Transport, cargo storage and commnucation Pangsa (Share) 8.26% 7.81% 7.40% 6.77% 6.20% 5.85%

Jasa dunia usaha Nilai (Amount) 4,503,918 4,735,434 5,247,693 5,074,300 5,270,985 5,244,418

Business Services Pangsa (Share) 29.49% 29.60% 28.89% 25.81% 26.24% 25.72%

Jasa sosial/masyarakat Nilai (Amount) 1,208,165 1,203,224 1,367,877 1,402,699 1,497,662 1,519,482

Social Services Pangsa (Share) 7.91% 7.52% 7.53% 7.13% 7.46% 7.45%

Lain-lain Nilai (Amount) 2,951,510 3,250,844 3,647,891 4,790,859 5,198,596 5,369,591

Others Pangsa (Share) 19.33% 20.32% 20.09% 24.37% 25.88% 26.33%

15,270,433 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420

Nov-06Sep-06SEKTOR EKONOMI

Oct-06ECONOMIC SECTOR

Total

Mar-06 Jun-06Dec-05

8

Tabel 7.Pembiayaan Perbankan Syariah Berdasarkan Jenis Penggunaan (Juta Rupiah) Financing of Islamic Banks based On Type of Use (Million IDRs)

Modal Kerja Nilai (Amount) 7,988,008 8,165,051 9,621,457 10,329,810 10,452,262 10,659,638

Working Capital Pangsa (Share) 52.31% 51.04% 52.98% 52.54% 52.03% 52.28%

Investasi Nilai (Amount) 4,287,790 4,561,474 4,875,941 4,530,568 4,463,443 4,387,765

Investment Pangsa (Share) 28.08% 28.51% 26.85% 23.04% 22.22% 21.52%

Konsumsi Nilai (Amount) 2,994,635 3,270,423 3,664,728 4,802,164 5,172,279 5,344,017

Consumption Pangsa (Share) 19.61% 20.44% 20.18% 24.42% 25.75% 26.21%

15,270,433 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420

Nov-06Sep-06TYPE OF USE

Jun-06

Total

Mar-06Dec-05 Oct-06JENIS PENGGUNAAN

Tabel 8. Pembiayaan Perbankan Syariah Berdasarkan Golongan Pembiayaan (Juta

Rupiah) Financing of Islamic Banks based On Type of Financing (Million IDRs)

Usaha Kecil dan Menengah Nilai (Amount) 10,196,282 10,715,148 12,216,529 13,743,111 14,431,998 14,586,595

Small and Medium Business Pangsa (Share) 66.77% 66.98% 67.26% 69.89% 71.84% 71.53%

Bukan Usaha Kecil dan Menengah Nilai (Amount) 5,074,151 5,281,800 5,945,597 5,919,431 5,655,986 5,804,825

Non Small and Medium Business Pangsa (Share) 33.23% 33.02% 32.74% 30.11% 28.16% 28.47%

15,270,433 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420

Nov-06Sep-06TYPE OF FINANCING

Jun-06

Total

Mar-06Dec-05 Oct-06GOLONGAN PEMBIAYAAN

9

Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah Composition of Uses and Sources of Fund of Islamic Banks

Nov-2006

12%

85%

0%

3%

Oct-2006

10%

86%

0%4%

Sept-2006

10%

86%

0%4%

Penempatan pada BI (Plcment at BI)

Penempatan pada bank lain (Inter bk assets)


Penyertaan (Eq. participation)

Sept-2006

15%

53%

1%

31%

Giro Wadiah (Wadiah-cur. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.)

Deposito Mudharabah (Mudharabah-inv. acc.)

Pembiayaan yang diterima (Received financing)

Nov-2006

15%

54%

1%

30%

Oct-2006

15%

54%

1%

30%

10

Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks

105.40%

110.90%

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00



50%

100%

150%

Pembiayaan yang diberikan (Fin. extended) 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

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

20.00

22.00




Provision for Losses (PPAP)

11

Tabel 9. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs)

Lancar Nilai (Amount) 14,026,732 14,363,021 16,605,281 17,685,310 18,048,887 18,349,600

Current Pangsa (Share) 92.09% 89.79% 91.43% 89.94% 89.85% 89.99%

Dalam Perhatian Khusus Nilai (Amount) 776,100 950,298 789,308 969,362 1,019,644 973,933

Special Mention Pangsa (Share) 5.10% 5.94% 4.35% 4.93% 5.08% 4.78%

Kurang Lancar Nilai (Amount) 200,578 361,258 275,314 432,676 414,865 408,088

Sub-standard Pangsa (Share) 1.32% 2.26% 1.52% 2.20% 2.07% 2.00%

Diragukan Nilai (Amount) 73,164 123,436 203,175 201,300 186,845 207,301

Doubtful Pangsa (Share) 0.48% 0.77% 1.12% 1.02% 0.93% 1.02%

Macet Nilai (Amount) 155,368 198,935 289,048 373,894 417,743 452,498

Loss Pangsa (Share) 1.02% 1.24% 1.59% 1.90% 2.08% 2.22%

15,231,942 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420

429,110 683,629 767,537 1,007,870 1,019,453 1,067,887

2.82% 4.27% 4.23% 5.13% 5.07% 5.24%

Nov-06Sep-06Mar-06 Jun-06Dec-05COLLECTIBILITY OF FINANCING

Percentage of NPFs

KOLEKTIBILITAS PEMBIAYAAN

Total Pembiayaan (Total Financing)

Nominal NPFs (Coll. 3-5)

Oct-06

*) 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

541.33-306.45

562.09-323.45

70.52-39.19

134.94-71.51

185.07-103.17

248.49-143.47

315.86-176.42

386.21-221.08

470.73-269.00

537.74-313.96

618.39-356.96

693.39-413.58

773.84

-453.33

-550 -500 -450 -400 -350 -300 -250 -200 -150 -100 -50 0 50 100 150 200 250 300 350 400 450 500 550 600 650 700 750 800Milyar Rupiah (Billion IDRs)

Nov-05

Dec-05

Jan-06

Feb-06

Mar-06

Apr-06

May-06

Jun-06

Jul-06

Aug-06

Sep-06

Oct-06

Nov-06

Laba tahun berjalan (Current year profit)

Rugi tahun berjalan (Current year losses)

12

Tabel 10. 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)

2006November1-Nov-06 8,500 9.0100 58.00 14 4.7665

10,000 6.0000 36.00 1 4.766510,000 8.8500 57.00 7 4.7665

2-Nov-06 5,000 9.0100 58.00 14 5.09104,500 8.8500 57.00 1 5.0910

10,000 8.8500 57.00 7 5.09103-Nov-06 2,000 9.0900 58.50 28 5.0991

4,000 8.8500 57.00 1 5.09914,000 8.8500 57.00 7 5.0991

6-Nov-06 10,000 6.0000 36.00 1 3.742910,000 6.0000 36.00 1 3.742920,000 7.0000 42.00 1 3.742910,000 8.8500 57.00 7 3.7429

7-Nov-06 12,500 6.0000 36.00 1 3.23315,000 6.0000 36.00 1 3.23313,000 8.8500 57.00 7 3.2331

8-Nov-06 14,400 5.5000 33.00 1 3.31124,000 8.8500 57.00 1 3.3112

10,000 8.8500 57.00 7 3.31129-Nov-06 10,000 5.5000 33.00 1 3.2669

10,000 5.5000 33.00 1 3.266910,000 8.8500 57.00 7 3.2669

10-Nov-06 1,000 8.8500 57.00 1 5.04454,000 8.8500 57.00 7 5.0445

13-Nov-06 10,000 8.8500 57.00 7 5.044514-Nov-06 16,500 8.8500 57.00 7 5.4848

5,000 8.7000 56.00 1 5.48481,300 8.8500 57.00 1 5.48488,000 8.8500 57.00 7 5.4848

15-Nov-06 8,500 8.8500 57.00 7 4.82692,300 7.8000 50.00 2 4.82691,600 8.7000 56.00 2 4.82691,500 8.7000 56.00 2 4.82691,300 8.8500 57.00 1 4.82693,000 7.9500 51.00 2 4.8269

10,000 8.8500 57.00 9 4.826916-Nov-06 5,000 8.8500 57.00 7 5.0445

10,000 8.8500 57.00 7 5.044517-Nov-06 4,000 8.7000 56.00 1 4.872020-Nov-06 3,000 8.4600 54.50 3 4.8676

3,000 8.3900 54.00 1 4.86763,000 8.7000 56.00 7 4.8676

10,000 8.8500 57.00 7 4.867621-Nov-06 7,000 8.7000 56.00 7 4.8393

1,800 8.3900 54.00 1 4.839310,000 8.7000 56.00 7 4.8393

22-Nov-06 10,000 8.7000 56.00 7 4.85571,000 8.3900 54.00 1 4.8557

10,000 8.7000 56.00 7 4.855723-Nov-06 4,000 8.7000 56.00 7 4.8371

6,000 8.7000 56.00 7 4.837110,000 8.7000 56.00 7 4.8371

24-Nov-06 5,000 8.7000 56.00 7 4.87205,000 8.7000 56.00 6 4.8720

27-Nov-06 2,000 6.0000 36.00 1 5.27312,000 15.5300 54.00 1 5.2731

28-Nov-06 7,800 5.5000 33.00 1 5.37285,000 15.5300 56.00 7 5.37281,200 15.5300 56.00 7 5.37289,000 6.0000 36.00 1 5.37285,000 15.5300 56.00 7 5.37285,000 15.5300 56.00 6 5.37282,500 11.1400 58.34 2 5.3728

29-Nov-06 7,000 5.5000 33.00 1 2.06387,000 6.2500 37.00 1 2.0638

30-Nov-06 30,000 15.5300 55.00 4 8.54156,000 15.5300 55.00 4 8.54156,000 15.5300 55.00 4 8.5415

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)

13

Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction

0

500

1000

1500

2000

2500


Mily

ar R

upia

h (B

illion

IDR

s)

Volume of PUAS Transaction 419.5 677.95 578.8 724.7 845.25 1016.5 1487.7 1556.85 1084.8 1506.5 2288.9 700.8 689.8


Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

-

500

1,000

1,500

2,000

2,500

3,000


Mily

ar R

upia

h (B

illion

IDRs

)

SWBI/Aset 2.85% 11.47% 10.47% 8.29% 5.59% 5.55% 4.98% 5.23% 3.81% 4.74% 4.30% 4.75% 6.07%

Outstanding 532 2,395 2,156 1,696 1,148 1,171 1,092 1,188 871.5 1,117 1,046 1,190 1,547


14

Tabel 11. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Oktober 2006) Islamic Banks’s Share to All Banks (position October 2006)

Nominal Share

Total Assets 25.04 1.56% 1605.16

Deposit Fund 18.86 1.53% 1233.65

Credit/Financing extended 20.09 2.66% 754.95

FDR/LDR*) 106.53% 61.20%

NPFS/NPLS*) 5.07% 8.25%

Islamic BanksTotal Banks

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

Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Oktober 2006) Islamic Banks’s Share to All Banks (position October 2006)

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

Oct-05 Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06

Total Assets 1.32% 1.31% 1.42% 1.40% 1.40% 1.40% 1.44% 1.45% 1.49% 1.51% 1.52% 1.54% 1.56%

Deposit Fund 1.27% 1.24% 1.38% 1.36% 1.32% 1.33% 1.36% 1.36% 1.41% 1.42% 1.44% 1.49% 1.53%

Financing extended 2.21% 2.18% 2.19% 2.22% 2.26% 2.33% 2.44% 2.46% 2.54% 2.58% 2.62% 2.63% 2.66%

Oct-05 Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06

statistik perbankan syariah - ojk.go.id · bpd sumsel 1 1 0 0 0 1 1 0 0 0 1 0 bank perkreditan...

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