statistik perbankan syariah perbankan syariah (islamic banking statistics) 2 kelompok bank kp/uus...

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Statistik Perbankan Syariah

(Islamic Banking Statistics)

Direktorat Perbankan Syariah

DESEMBER 2007 DECEMBER

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 ……………………......................................................................... 3 Assets

Tabel 3. Kewajiban dan Modal........................................................................... 4 Liabilities and Equity

Tabel 4. Laba/Rugi……………………......................................................... ......... 5 Income Statement

Gambar 1. Perkembangan Aset …………………….……………………………………... 6 Growth of Assets of Islamic Banks

Gambar 2. Sumber Dana ……………………. …………………………………………….. 6 Sources of Fund of Islamic Banks

Tabel 5. Komposisi Dana Pihak Ketiga................................................................ 7 Composition of Deposits

Gambar 3. Jumlah Rekening Dana Pihak Ketiga...................................................... 7 Composition of Deposits

Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga................................................ 8 Percentage of Profit Sharing of Deposits

Gambar 5. Komposisi Deposito Mudharabah.......................................................... 8 Composition of Mudharabah Deposit Account

Gambar 6. Aktiva Produktif Utama Perbankan Syariah............................................ 9 The major Earning Assets

Tabel 6. Komposisi Pembiayaan Perbankan Syariah............................................. 9 Composition of Financing

Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi.................. 10 Financing based on Economic Sector

Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan.............. .............................. 10 Financing based on Type of Use

Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan...... .............................. 11 Financing based on Type of Financing

Gambar 9. Jumlah Rekeing Pembiayaan.................................................................. 11 Number of Account Financing

Gambar 10. Persentase Bagi Hasil/Fee/Margin Pembiayaan........................................ 12 Percentage of Profit Sharing/Fee/Margin of Financing

Gambar 11. Komposisi Penggunaan dan Sumber Dana.............................................. 13 Composition of Uses and Sources of Fund

Gambar 12. Rincian Surat Berharga............................................. ............................. 14 Secutities

Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga.............. ............................. 14 Percentage of Bonus/Profit Sharing Secutities


iii

Halaman (Page)

Gambar 14. Sumber Dana, Pembiayaan, dan FDR …………………….………………… 15 Sources of Fund, Financing, and FDR

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

Tabel 8. Pembiayaan Non Lancar ............………………………………………….... 16 Non Performing Financings (NPFs)

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

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

Gambar 18. Rasio Keuangan ROA dan ROE............................………………………… 17 ROA and ROE Financial Ratio

Gambar 19. Layanan Syariah……………..............................…………………………… 18 Office Channeling

Tabel 9. Transaksi Pasar Uang Antar B ank Berdasarkan Prinsip Syariah (PUAS)..... 19 Transaction of Islamic Interbank Money Market (PUAS)

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

Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI)……………………………. 20 Outstanding of Bank Indonesia Wadiah Certificate (SWBI)

Tabel 10. Pangsa Perbankan Syariah Terhadap Total Bank .................................... 21 Islamic Banks’s Share to All Banks

Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank..................................... 21 Islamic Banks’s Share to All Banks

Tabel 11. Kegiatan Usaha BPR Syariah ................................................................. 22 Islamic Rural Banks Operations

Tabel 12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah) .... .............................. 23 Islamic Rural Banks Based on Total Assets (Million IDRs)

Tabel 13. Jumlah Rekening and Persentase Pembiayaan Non Lancar BPRS ............ 23 Number of Account and Percentage of Non Performing Financing Rural Islamis Banks

Tabel 14. Pangsa BPR Syariah Terhadap Total BPR ............................................... 23 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 KK

Group 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 Syariah

Islamic Commercial Banks

1. PT Bank Muamalat Indonesia*) 1 51 10 10 80 1 51 10 10 80 1 51 10 10 81

2. PT Bank Syariah Mandiri*) 1 57 43 11 92 1 57 43 11 100 1 57 46 11 105

3. PT Bank Syariah Mega Indonesia 1 4 4 0 0 1 4 7 0 0 1 5 7 0 0

Unit Usaha Syariah

Islamic Banking Unit

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

2. PT Bank Negara Indonesia 1 24 25 0 0 1 24 25 0 0 1 24 25 0 0

3. PT Bank Jabar 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0

4. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 0

5. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 0

6. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0

7. PT Bank Internasional Indonesia 1 1 3 0 0 1 2 0 0 0 1 2 0 0 0

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

9. PT Bank DKI 1 1 0 0 5 1 1 0 0 5 1 1 0 0 5

10. BPD Riau 1 2 0 0 0 1 2 0 0 1 1 2 0 0 1

11. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0

12. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 0

13. BPD Sumatera Utara 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0

14. BPD Aceh 1 1 0 0 2 1 1 0 0 2 1 1 3 0 0

15. Bank Permata 1 5 5 0 0 1 5 5 0 0 1 5 0 0 0

16. Bank Tabungan Negara 1 9 0 0 0 1 9 0 0 0 1 11 0 0 0

17. BPD Nusa Tenggara Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

18. BPD Kalimantan Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

19. BPD Sumatera Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

20. BPD Kalimantan Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

21. BPD DIY 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

22. BPD Sulawesi Selatan 1 1 0 0 0 1 1 0 0 0

23. BPD Sumatera Barat 1 1 0 0 0 1 1 0 0 0

24. BPD Jawa Timur 1 1 0 0 0

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 129 211 117 21 179 133 214 117 21 188 135 217 118 21 192

0109 0 0 0

Jun-07

60

0

172

21 99 60 0 7

3 112 112

0

23 57

0 0107 0

Mar-07

21

0102

57 21

Jun-07

180

8

3

105 0 0 0

186

23 104 55 0 6

3 113 63 21

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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Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK

Group 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 Syariah

Islamic Commercial Banks

1. PT Bank Muamalat Indonesia*) 1 51 10 10 81 1 51 10 12 83 1 51 10 12 83

2. PT Bank Syariah Mandiri*) 1 57 46 11 109 1 57 46 11 112 1 57 46 13 114

3. PT Bank Syariah Mega Indonesia 1 5 7 0 1 1 5 7 0 1 1 5 7 0 1

Unit Usaha Syariah

Islamic Banking Unit

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

2. PT Bank Negara Indonesia 1 24 25 0 0 1 24 25 0 0 1 24 25 0 0

3. PT Bank Jabar 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0

4. PT Bank Rakyat Indonesia 1 27 16 0 0 1 27 16 0 0 1 27 16 0 0

5. PT Bank Danamon 1 7 3 0 0 1 7 3 0 0 1 7 3 0 0

6. PT Bank Bukopin 1 5 1 0 0 1 5 1 0 0 1 5 1 0 0

7. PT Bank Internasional Indonesia 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0

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

9. PT Bank DKI 1 1 0 0 5 1 1 0 0 5 1 1 0 0 5

10. BPD Riau 1 2 0 0 1 1 2 0 0 1 1 2 0 0 1

11. BPD Kalsel 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0

12. PT Bank Niaga 1 2 5 0 0 1 2 5 0 0 1 2 5 0 0

13. BPD Sumatera Utara 1 2 0 0 0 1 2 0 0 0 1 2 0 0 0

14. BPD Aceh 1 1 3 0 0 1 2 3 0 0 1 2 3 0 0

15. Bank Permata 1 5 0 0 0 1 5 0 0 0 1 5 0 0 0

16. Bank Tabungan Negara 1 11 0 0 0 1 12 0 0 0 1 12 0 0 0

17. BPD Nusa Tenggara Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

18. BPD Kalimantan Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

19. BPD Sumatera Selatan 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

20. BPD Kalimantan Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

21. BPD DIY 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

22. BPD Sulawesi Selatan 1 1 0 0 0 1 2 0 0 0 1 2 0 0 0

23. BPD Sumatera Barat 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

24. BPD Jawa Timur 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

25. PT Bank Ekspor Indonesia 1 1 0 0 0 1 1 0 0 0 1 1 0 0 0

26. Bank Lippo 1 1 0 0 0 1 1 0 0 0

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 139 219 118 21 197 142 222 118 23 202 142 222 118 25 204

*) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO)

0 0 114 00 114 0 0 0 0 0

198

25 109 0 655

Oct-07

3 113 63

Dec-07

113 633

Nov-07

25

0

196

6

23

111 0 0 0

25 106 55 0 6 25 109 55

1913 113 63 21

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 Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07ITEMS

1. Kas 370,870 377,200 410,271 612,751 411,153 487,800 Cash2. Penempatan pada BI 4,804,784 3,461,996 2,941,506 3,238,131 3,210,526 4,539,661

Placement at Bank Indonesia3. Penempatan pada bank lain 1,227,930 1,127,480 1,214,436 1,436,817 1,265,566 1,667,075

Inter-bank assets4. Pembiayaan yang diberikan 20,820,064 22,969,103 25,589,806 26,148,752 26,548,228 27,944,311

Financing extended5. Penyertaan 40,660 40,660 40,660 40,660 40,660 41,095

Equity participation6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (617,879) (766,387) (867,661) (901,697) (862,962) (785,271)

Allowances for earning assets losses (PPAP)7. Aktiva tetap dan investaris 266,578 274,288 273,354 270,232 274,583 295,959

Fixed assets and inventory8. Rupa-rupa aktiva 1,381,616 1,577,182 2,004,602 1,969,336 2,093,559 2,101,528

Other assetsJ U M L A H 28,447,352 29,208,812 31,802,773 33,016,029 33,287,970 36,537,637 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 Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07ITEMS

1. Giro wadiah 3,615,077 3,187,509 3,322,824 3,348,958 3,067,888 3,750,376 Wadiah-current accounts2. Tabungan mudharabah 6,740,443 7,187,821 8,104,200 8,479,723 8,613,626 9,454,060

Mudharabah-saving accounts3. Deposito mudharabah 11,527,413 12,338,926 13,253,393 13,644,654 13,976,649 14,807,234

Mudharabah-investment accounts4. Kewajiban terhadap BI 32,380 32,380 32,380 32,380 32,380 32,380

Liabilities to Bank Indonesia5. Kewajiban kepada bank lain 941,485 941,485 941,485 941,485 941,485 941,485

Inter-bank liabilities6. Pembiayaan yang diterima 195,926 195,926 195,926 195,926 195,926 195,926

Received Financing7. Kewajiban lainnya 224,115 224,115 224,115 224,115 224,115 224,115

Other payables8. Setoran jaminan 26,988 35,244 30,391 32,358 35,703 50,380

Guarantee deposits9. Antar Kantor Bersih 2,330,968 2,085,715 2,520,093 2,811,105 2,541,652 3,166,972

Interoffice net10. Rupa-rupa pasiva 560,671 513,712 532,081 532,902 535,426 559,486

Other liabilities11. Modal disetor 991,224 1,001,224 1,001,224 1,017,224 1,017,224 1,017,224

Paid-in capital12. Perkiraan tambahan modal disetor 991,224 1,001,224 1,001,224 1,017,224 1,017,224 1,017,224

Additional paid-in capital account13. Cadangan 252,553 275,310 275,308 275,308 275,309 275,308

Reserves14. Laba/rugi 508,703 450,360 577,484 629,980 664,472 689,047

Profit/Loss a. Tahun-tahun lalu 349,976 148,965 148,963 148,963 148,963 148,963

Previous years i. Laba 353,065 151,987 151,985 151,985 151,985 151,985

Profit ii. Rugi -/- (3,089) (3,022) (3,022) (3,022) (3,022) (3,022)

Loss b. Tahun berjalan 158,727 301,395 428,521 481,017 515,509 540,084

Current year i. Laba 323,690 633,493 958,992 1,065,021 1,183,726 1,213,341

Profit ii. Rugi -/- (164,963) (332,098) (530,471) (584,004) (668,217) (673,257)

LossJ U M L A H 28,447,352 29,208,812 31,802,773 33,016,029 33,287,970 36,537,637

Total Liabilities and Equity


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

Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07

I. Pendapatan Operasional 956,497 2,172,120 2,994,343 3,371,575 3,719,410 4,200,986 Operations Income A. Pendapatan dari Penyaluran Dana 876,903 1,998,347 2,722,941 3,065,167 3,375,312 3,794,675

Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 813,126 1,868,176 2,549,494 2,876,634 3,173,139 3,570,797

From Third Party Non Banks 2. Bank Indonesia 45,244 89,596 112,418 119,427 129,641 138,001

From Bank Indonesia 3. Bank-bank lain 18,533 40,575 61,029 69,106 72,532 85,877

From Other Banks B. Pendapatan Operasional Lainnya 79,594 173,773 271,402 306,408 344,098 406,311

Other Operations Income1. Jasa Investasi Terikat 3,386 9,133 14,872 16,792 18,862 20,660

Restricted Investment Services2. Jasa layanan 22,411 45,712 72,003 79,013 90,072 99,766

Fee Based Income3. Pendapatan dari transaksi valuta asing 1,182 3,165 5,784 6,232 7,206 8,303

Income from Foreign Exchange Transaction4. Koreksi PPAP 12,775 22,486 34,549 43,923 55,879 82,664

Provision for Losses Correction5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 78 162 662 194 197 494

Correction of Provision for Losses Administrative Statement Transaction6. Lainnya 39,822 93,115 143,532 160,254 171,882 194,424

OthersII. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (350,382) (716,393) (1,075,356) (1,206,444) (1,329,558) (1,468,265) Profit Sharing for Unrestricted Investment

1. Pihak ketiga bukan bank 343,057 702,072 1,053,719 1,182,415 1,303,102 1,438,124From Third Party Non Banks

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

3. Bank-bank lain 7,325 14,321 21,637 24,029 26,456 30,141From Other Banks

III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Tidak Terikat606,115 1,455,727 1,918,987 2,165,131 2,389,852 2,732,721 Distribution Income after Distribution Income For Unrestricted Investment InvestorIV. Beban Operasional 431,846 1,124,015 1,440,080 1,628,358 1,816,873 2,091,490 Operations Expenses A. Beban Bonus titipan wadiah 16,682 31,402 47,040 53,293 59,109 65,536

Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing 1 3 1 3 1 1

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

Ijarah Assets Recovery Cost D. Premi 11,224 23,539 35,759 40,381 45,129 51,325

Premium E. Tenaga kerja 117,290 260,065 416,057 468,522 522,049 601,902

Labour F. Pendidikan dan pelatihan 3,308 7,880 13,288 14,661 16,569 18,634

Education and Training G . Penelitian dan pengembangan 269 501 707 734 908 1,129

Research and Development H. Sewa 25,469 53,055 80,475 89,449 99,190 110,618

Leasing I. Promosi 24,008 56,087 91,303 101,853 116,742 134,774

Promotion J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 576 1,671 2,436 2,611 2,823 3,012

Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 7,759 16,406 25,146 28,246 31,867 35,859

Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 159,654 537,202 513,175 586,590 649,200 751,551

Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 36 71 214,582 124 137 150

Decrease in Value of Securities N. Lainnya 65,570 136,133 214,582 241,891 273,149 316,999

Others Laba Operasional 174,269 331,712 478,907 536,773 572,979 641,231Operation Profit Pendapatan Non Operasional 275,100 565,136 896,653 1,010,555 1,139,252 1,260,243Non Operations Income Beban Non Operasional 274,095 566,769 908,693 1,026,050 1,151,234 1,273,135Non Operations Expenses Laba Non Operasional 1,005 (1,633) (12,040) (15,495) (11,982) (12,892)Non Operations Profit Laba Tahun Berjalan 175,274 330,079 466,867 521,278 560,997 628,339Current Profit/LossLaba Tahun Berjalan (setelah taksiran pajak penghasilan) 158,727 301,395 428,521 481,017 515,509 540,084Profit After Calculations of Income Tax

KETERANGAN


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Gambar 1. Perkembangan Aset Growth of Assets

9.76%

4.84%

0.85%

2.75%

-0.28%0.82%

3.81%

2.74%

0.82%

2.23%

5.50%

2.37%

0.72%

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

32.00

34.00

36.00

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

Triliun Rupiah (Trillion IDRs)

-2%

0%

2%

4%

6%

8%

10%

12%

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

26.00

28.00

30.00



Pembiayaan yang diterima (Received financing)

Deposito Mudharabah (Mudharabah-inv. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.)

Giro Wadiah (Wadiah-cur. acc.)


7

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

Giro Wadiah Nilai (Amount) 3,615,077 3,187,509 3,366,363 3,348,958 3,067,888 3,750,376

Wadiah currency account Pangsa (Share) 16.52% 14.03% 14.44% 13.15% 11.96% 13.39%

Tabungan Mudharabah Nilai (Amount) 6,740,443 7,187,821 7,693,895 8,479,723 8,613,626 9,454,060

Mudharabah saving account Pangsa (Share) 30.80% 31.64% 33.01% 33.29% 33.57% 33.75%

Deposito Mudharabah Nilai (Amount) 11,527,413 12,338,926 12,248,321 13,644,654 13,976,649 14,807,234

Mudharabah investment account Pangsa (Share) 52.68% 54.32% 52.55% 53.56% 54.47% 52.86%

21,882,933 22,714,256 23,308,579 25,473,335 25,658,163 28,011,670

Nov-07 Dec-07Oct-07

Total

DANA PIHAK KETIGA

DEPOSIT FUNDMar-07 Aug-07Jun-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) 34,499 35,399 36,032 35,994 36,819 37,652 37,840 38,979 40,464 41,356 42,223 42,582 42,741

Deposito Mudharabah (Mudharabah Inv. Acc.) 74,078 76,214 78,483 80,453 82,190 82,929 83,481 85,365 85,948 87,147 90,854 89,899 91,714

Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,883,8751,946,9411,985,2792,064,45 2,118,901 2,196,6542,264,68 2,306,60 2,393,117 2,470,52 2,563,85 2,650,5512,711,374



8

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

0

1

2

3

4

5

6

7

8

9

10

(

%

)

Giro wadiah (Wadiah Curr. Acc) 1.27 1.12 0.97 1.07 0.98 1.10 1.00 1.08 1.12 0.97 0.97 1.01 1.07

Deposito Mudharabah (Mudharabah Inv. Acc.) 9.41 8.59 8.63 8.19 7.92 8.05 7.89 7.76 7.91 7.96 7.71 7.59 7.84

Tabungan Mudharabah (Mudharabah Sav. Acc.) 3.72 3.32 3.54 3.48 3.46 3.32 3.24 3.00 3.15 3.13 3.30 3.15 3.32


Gambar 5. Komposisi Deposito Mudharabah Composition of Mudharabah Investment Account

62.87%

9.50%

8.75%

14.71%

0.11%

0.00% 10.00% 20.00% 30.00% 40.00% 50.00% 60.00% 70.00%

1 Bulan (Month)

3 bulan (Months)

6 bulan (Months)

12 bulan (Months)

diatas 12 bulan (ab. 12 Months)


9

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

32.00

34.00



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) 2,367,837 3,289,327 3,725,870 3,968,911 4,263,071 4,406,360

Musharakah Financing Pangsa (Share) 11.37% 14.32% 15.12% 15.18% 16.06% 15.77%

Pembiayaan Mudharabah Nilai (Amount) 4,132,872 4,686,835 5,029,130 5,355,091 5,439,665 5,577,912

Mudharabah Financing Pangsa (Share) 19.85% 20.40% 20.41% 20.48% 20.49% 19.96%

Piutang Murabahah Nilai (Amount) 12,769,755 13,936,084 14,768,565 15,675,460 15,645,561 16,552,869

Murabahah Receivable Pangsa (Share) 61.33% 60.67% 59.94% 59.95% 58.93% 59.24%

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

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

Piutang Istishna' Nilai (Amount) 342,585 333,695 331,612 330,867 333,630 350,995

Istishna' Receivable Pangsa (Share) 1.65% 1.45% 1.35% 1.27% 1.26% 1.26%

Lainnya Nilai (Amount) 1,207,015 723,162 782,673 818,423 866,301 1,056,175

Others Pangsa (Share) 5.80% 3.15% 3.18% 3.13% 3.26% 3.78%

20,820,064 22,969,103 24,637,850 26,148,752 26,548,228 27,944,311

Nov-07 Dec-07Aug-07

Total

RINCIAN PEMBIAYAAN YANG DIBERIKAN

ITEMS OF FINANCINGMar-07 Oct-07Jun-07


10

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

Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 631,485 651,089 644,142 639,974 637,161 837,037

Agriculture, forestry and agricultural facilities Pangsa (Share) 3.03% 2.83% 2.61% 2.45% 2.40% 3.00%

Pertambangan Nilai (Amount) 288,760 402,234 478,538 478,695 490,764 510,669

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

Perindustrian Nilai (Amount) 962,276 1,106,830 1,187,799 1,313,834 1,311,322 1,371,254

Manufacturing Pangsa (Share) 4.62% 4.82% 4.82% 5.02% 4.94% 4.91%

Listrik, gas dan air Nilai (Amount) 5,644 27,343 49,084 63,859 66,158 165,990

Water, gas and electricity Pangsa (Share) 0.03% 0.12% 0.20% 0.24% 0.25% 0.59%

Konstruksi Nilai (Amount) 1,552,117 1,800,048 2,182,801 2,110,074 2,270,438 2,370,638

Constuction Pangsa (Share) 7.45% 7.84% 8.86% 8.07% 8.55% 8.48%

Perdagangan, restoran dan hotel Nilai (Amount) 3,915,476 3,987,678 3,818,784 4,151,939 4,182,080 4,151,785

Trade, restaurants and hotels Pangsa (Share) 18.81% 17.36% 15.50% 15.88% 15.75% 14.86%

Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1,229,543 1,304,430 1,490,049 1,390,104 1,517,971 1,568,781

Transport, cargo storage and commnucation Pangsa (Share) 5.91% 5.68% 6.05% 5.32% 5.72% 5.61%

Jasa dunia usaha Nilai (Amount) 5,394,551 6,837,406 7,567,868 8,162,611 8,271,953 8,424,724

Business Services Pangsa (Share) 25.91% 29.77% 30.72% 31.22% 31.16% 30.15%

Jasa sosial/masyarakat Nilai (Amount) 1,389,760 1,685,708 1,685,990 1,763,650 1,897,892 1,904,390

Social Services Pangsa (Share) 6.68% 7.34% 6.84% 6.74% 7.15% 6.81%

Lain-lain Nilai (Amount) 5,450,452 5,166,337 5,532,795 6,074,012 5,902,489 6,639,043

Others Pangsa (Share) 26.18% 22.49% 22.46% 23.23% 22.23% 23.76%

20,820,064 22,969,103 24,637,850 26,148,752 26,548,228 27,944,311

Nov-07 Dec-07Oct-07Jun-07Mar-07 Aug-07SEKTOR EKONOMI

Total

ECONOMIC SECTOR

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

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

16.00

18.00

Trili

un R

p (T

rilio

n ID

Rs)

Modal Kerja (Working Capital) 10.41 10.82 10.25 11.04 11.38 11.88 12.89 13.48 13.83 14.30 14.70 15.02 15.66

Investasi (Investment) 4.37 4.23 4.26 4.32 4.64 4.70 4.90 5.01 5.26 5.41 5.44 5.61 5.64

Konsumsi (Consumption) 5.67 5.17 5.96 5.46 5.33 5.34 5.17 5.20 5.54 5.88 6.01 5.92 6.65



11

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

0.00

5.00

10.00

15.00

20.00

25.00

Tril

iun

Rp

(Tri

lion

IDR

s)

UKM (Small and Medium Business) 14.87 14.58 14.91 15.33 15.49 15.71 16.44 16.75 17.31 17.91 18.45 18.64 19.57

Non UKM (Small and Medium Business) 5.57 5.64 5.55 5.49 5.86 6.21 6.53 6.94 7.33 7.68 7.70 7.90 8.38


Gambar 9. Jumlah Rekening Pembiayaan Number of Account Financing

0

100,000

200,000

300,000

400,000

500,000

600,000

Pembiayaan (Financing) 17,991 18,120 18,502 19,204 19,961 20,736 22,048 23,208 24,547 26,186 27,230 28,325 29,424

Piutang (Receivable) 353,673 372,616 386,931 399,617 405,649 402,485 409,775 423,542 441,486 459,282 468,973 442,414 481,799

Lain-lain (Others) 445 486 516 541 563 584 739 772 855 921 925 965 1,007



12

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

0

2

4

6

8

10

12

14

16

18

(%)

Pembiayaan (Financing) 12.46 12.62 12.58 14.69 14.07 13.95 13.88 13.85 13.56 13.82 13.79 14.57 14.42

Piutang (Receivable) 12.24 14.60 14.25 15.61 15.53 15.45 15.33 15.06 14.90 14.72 14.57 14.30 14.21

Lain-lain (Others) 0.66 2.35 0.62 0.62 0.56 0.29 0.26 0.26 0.25 0.22 0.24 0.25 0.16

Dec-06

Jan-07

Feb-07

Mar-07

Apr-07

May-07

Jun-07

Jul-07

Aug-07

Sep-07

Oct-07

Nov-07

Dec-07


13

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

Dec-2007

13%

52%

1%

34%

Dec-2007

13%

82%

0%

5%

Nov-2007

10%

86%

0%

4%

Oct-2007

10%

85%

0%5%

Penempatan pada BI (Plcment at BI)

Penempatan pada bank lain (Inter bk assets)


Penyertaan (Eq. participation)

Oct-2007

13%

53%

1%

33%

Giro Wadiah (Wadiah-cur. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.)

Deposito Mudharabah (Mudharabah-inv. acc.)

Pembiayaan yang diterima (Received financing)

Nov-2007

12%1%

54% 33%


14

Gambar 12. Rincian Beberapa Surat Berharga (Securities)

0.00

0.50

1.00

1.50

2.00

2.50

3.00

3.50

Tri

liun

Rp

(T

rilio

n ID

Rs)

SWBI 2.36 2.66 3.00 3.33 3.17 2.80 2.04 1.56 0.98 1.31 1.76 1.64 2.60

Sertifikat IMA (IMA Certificate) 0.10 0.23 0.18 0.21 0.12 0.12 0.17 0.06 0.18 0.24 0.22 0.14 0.35

Obligasi Syariah (Sharia Obligations) 0.16 0.16 0.16 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.20 0.30

Surat Berharga yang dimiliki (Securities) 0.83 0.84 0.87 0.76 0.84 0.99 0.99 1.33 1.36 1.36 1.30 1.39 1.39


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

(%)

Persentase Bonus SWBI (% bonus SWBI-Av.) 1.99 2.72 1.35 1.23 1.04 0.85 1.52 1.43 1.61 2.27 1.29 1.63 3.56

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

6.24 7.45 26.06 3.63 5.73 3.46 1.95 4.63 2.51 2.49 4.79 3.27 4.84

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

8.04 8.43 8.81 9.05 9.10 9.82 9.82 9.62 9.48 9.48 9.66 9.40 9.07

Persentase Bagi Hasil Surat Berharga yang dimiliki

(% profit sharing securities-Av)

12.46 13.50 13.36 13.88 13.59 13.30 13.17 12.51 12.49 12.51 12.38 11.97 12.01



15

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

99.76%

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



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

26.00

28.00

30.00




Provision for Losses (PPAP)


16

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

Lancar Nilai (Amount) 18,468,301 20,228,465 21,565,360 23,126,394 23,790,409 25,493,703

Current Pangsa (Share) 88.70% 88.07% 87.53% 88.44% 89.61% 91.23%

Dalam Perhatian Khusus Nilai (Amount) 1,157,905 1,317,277 1,439,147 1,393,756 1,256,496 1,319,406

Special Mention Pangsa (Share) 5.56% 5.73% 5.84% 5.33% 4.73% 4.72%

Kurang Lancar Nilai (Amount) 393,080 512,678 551,551 702,212 557,934 321,222

Sub-standard Pangsa (Share) 1.89% 2.23% 2.24% 2.69% 2.10% 1.15%

Diragukan Nilai (Amount) 266,541 327,756 344,810 256,225 315,634 267,298

Doubtful Pangsa (Share) 1.28% 1.43% 1.40% 0.98% 1.19% 0.96%

Macet Nilai (Amount) 534,237 582,927 736,982 670,165 627,755 542,682

Loss Pangsa (Share) 2.57% 2.54% 2.99% 2.56% 2.36% 1.94%

20,820,064 22,969,103 24,637,850 26,148,752 26,548,228 27,944,311

1,193,858 1,423,361 1,633,343 1,628,602 1,501,323 1,131,202

5.73% 6.20% 6.63% 6.23% 5.66% 4.05%

Nov-07 Dec-07Aug-07

Percentage of NPFs

KOLEKTIBILITAS PEMBIAYAAN

Total Pembiayaan (Total Financing)

Nominal NPFs (Coll. 3-5)

COLLECTIBILITY OF FINANCINGMar-07 Oct-07Jun-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)

1.42 1.56 1.601.35

1.631.191.63 1.501.31

1.131.05

0.97

1.13

4.75%

4.05%

5.66%

6.23%6.29%6.63%6.58%

6.20%6.17%

6.14%5.73%

5.54%

5.17%

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


17

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

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

958.99-530.47

1,065.02-584.00

1,183.73-668.22

1,213.34-673.26

-800 -600 -400 -200 0 200 400 600 800 1,000 1,200Milyar Rupiah (Billion IDRs)

Dec-06

Jan-07

Feb-07

Mar-07

Apr-07

May-07

Jun-07

Jul-07

Aug-07

Sep-07

Oct-07

Nov-07

Dec-07

Laba tahun berjalan (Current year profit)

Rugi tahun berjalan (Current year losses)

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

1.69% 1.68%

1.86%1.93%

1.85%1.90%1.88%1.76%1.75%1.75%

1.55%

1.86%1.78%

55.84%

52.45%53.98%55.09%

51.44%49.99%

46.66%45.59%44.47%

41.81%

52.80%

41.18%

36.94%

0%

1%

1%

2%

2%

3%

3%


0%

10%

20%

30%

40%

50%

60%

ROA ROE


18

Gambar 19. Layanan Syariah Office Channeling

-

100

200

300

400

500

600

700

800

900

1,000

1,100

1,200

1,300

1,400

Dec-06

Jan-07

Feb-07

Mar-07

Apr-07

May-07

Jun-07

Jul-07

Aug-07

Sep-07

Oct-07

Nov-07

Dec-07

jum

lah

kant

or (n

umbe

r of o

ffice

s)

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000Juta Rp (Milion IDRs)

Jumlah Kantor (Number of Offices)

Dana Pihak Ketiga (Deposits)


19

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

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)

2007Desember3-Dec-07 6,000 12.3000 52.85 1 6.8185

9,000 12.3000 55.77 4 6.81856,500 17.3767 39.00 1 6.8185

4-Dec-07 6,500 15.7900 44.00 1 6.84815,000 17.3767 39.50 1 6.8481

20,000 17.3767 39.50 1 6.84813,000 14.4700 44.93 1 6.8481

5-Dec-07 16,200 17.3767 39.00 1 6.61527,500 17.3767 39.00 1 6.6152

20,000 10.8500 57.60 7 6.615221,500 17.3767 39.00 1 6.6152

6-Dec-07 25,000 17.3767 35.00 1 6.12322,000 17.3767 35.00 1 6.1232

15,000 17.3767 35.00 1 6.12323,500 12.3000 53.82 5 6.1232

7-Dec-07 10,000 17.3767 40.00 1 6.5643500 14.4700 44.93 1 6.5643

14,000 17.3767 42.00 1 6.564325,000 10.8500 55.30 10 6.5643

10-Dec-07 9,000 17.3767 40.00 1 6.937930,000 17.3767 40.00 1 6.93797,500 17.3767 40.00 1 6.93792,000 14.4700 44.93 2 6.9379

11-Dec-07 1,000 17.3767 41.00 1 6.18755,000 10.8500 55.30 3 6.1875

12-Dec-07 5,000 12.6887 55.00 16 6.46203,500 14.4700 44.93 7 6.46201,000 14.4700 44.93 1 6.4620

15,000 12.6887 52.00 21 6.462013-Dec-07 15,000 17.3767 36.00 1 6.5964

6,400 17.3767 36.00 1 6.59646,000 12.3000 56.91 1 6.5964

15,000 14.4700 48.38 22 6.59641,000 12.3000 52.85 5 6.5964

14-Dec-07 5,000 17.3767 34.00 1 6.48761,500 14.4700 40.00 1 6.48765,000 10.8500 57.60 7 6.4876

10,000 10.8500 59.61 13 6.487610,000 14.4700 50.00 28 6.48765,000 17.3767 34.50 4 6.4876

17-Dec-07 20,000 17.3767 36.00 1 6.32695,000 10.8500 59.91 7 6.32692,000 12.3000 52.85 1 6.32693,000 17.3767 34.50 1 6.32695,000 10.8500 61.06 10 6.3269

18-Dec-07 1,500 17.3767 39.00 3 7.223735,000 17.3767 43.00 1 7.223725,000 17.3767 41.50 1 7.223710,000 10.8500 55.30 9 7.223720,000 14.4700 50.00 28 7.2237

19-Dec-07 2,000 17.3767 39.00 5 6.97347,000 17.3767 34.50 1 6.97344,000 14.1200 46.00 30 6.9734

15,000 14.4700 50.00 14 6.973410,000 14.4700 50.00 28 6.973410,000 14.4700 50.00 21 6.9734

21-Dec-07 - - - - -24-Dec-07 5,000 17.3767 40.00 10 6.9204

20,000 14.4700 50.00 28 6.92047,000 10.8500 55.30 14 6.9204

26-Dec-07 5,000 17.3767 40.00 7 6.58734,000 17.3767 39.00 2 6.58735,000 17.3767 39.00 7 6.58736,000 10.8500 55.30 14 6.5873

27-Dec-07 5,000 14.4700 50.11 18 6.875810,000 17.3767 40.00 7 6.875820,000 17.3767 40.00 7 6.8758

28-Dec-07 4,000 17.3767 42.00 5 6.795630,000 14.4700 46.50 7 6.7956

PeriodVolume of

Transaction (Million IDRs)

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

Certificate (%)Maturity (Days)

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 (%)


20

Gambar 20. Volume Transaksi PUAS Volume of PUAS Transaction

0

200

400

600

800

1,000

1,200

1,400

Mili

ar R

p (B

ilion

IDRs

)

Volume of PUAS Transaction 761.6 764.5 728.5 680.8 375.8 806.6 651.9 780.5 933.8 1,062.6 794.4 1,139.3 1,168.8


Gambar 21. 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

Mili

ar R

upia

h (B

illio

n ID

Rs)

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

Outstanding 2,357 2,663 3,002 3,325 3,166 2,801 2,036 1,555 983 1,311 1,761 1,644 2,599

SWBI/Aset 8.82% 9.88% 10.84% 11.69% 11.16% 9.66% 6.97% 5.20% 3.26% 4.12% 5.33% 4.94% 7.11%



21

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

Islamic Banks’ s Share to All Banks (November 2007 position - Billion IDRs)

Islamic Banks

Nominal Share Total Banks

Total Assets 33,288 1.76% 1,895,280

Deposit Fund 25,658 1.78% 1,437,600

Credit/Financing extended 26,548 2.76%

962,389

FDR/LDR*) 103.47% 66.94%

*) FDR = Financing to Deposit Ratio LDR = Loan to Deposit Ratio

Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2007) Islamic Banks’s Share to All Banks (November 2007 position)

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

Total Assets 1.55% 1.57% 1.59% 1.63% 1.66% 1.65% 1.69% 1.65% 1.66% 1.66% 1.72% 1.77% 1.76%

Deposit Fund 1.55% 1.61% 1.60% 1.64% 1.69% 1.69% 1.73% 1.68% 1.68% 1.67% 1.76% 1.79% 1.78%

Financing extended 2.66% 2.58% 2.61% 2.61% 2.60% 2.63% 2.66% 2.67% 2.72% 2.76% 2.80% 2.79% 2.76%

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


22

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


Penyaluran dana 859,367 911,390 1,027,719 1,053,151 1,095,350 1,107,005

Fund DisbursementsPembiayaan 679,764 744,743 865,250 866,593 888,074 876,921

FinancingPiutang Murabahah 561,542 613,591 697,108 698,415 710,939 710,433

Murabahah ReceivablePiutang salam 68 68 68 68 38 0

Salam ReceivablePiutang Istishna 1,184 915 11,051 11,604 13,356 13,418

Istishna ReceivablePembiayaan Mudharabah 26,366 32,113 37,952 40,899 42,264 39,518

Mudharabah FinancingPembiayaan Musyarakah 69,904 75,650 94,210 92,126 96,372 89,389

Musyarakah FinancingIjarah 6,358 6,635 6,954 6,498 6,163 5,170

IjarahQardh 14,340 15,771 17,905 16,982 18,941 18,991

QardhAntar Bank 179,603 166,647 162,469 186,558 207,276 230,084

Inter-BankSumber Dana 722,838 766,257 872,002 894,636 927,949 936,565

Source of FundDana Pihak ketiga 567,354 601,079 663,074 672,712 702,717 707,706

Third Party FundsTabungan Wadiah 80,282 85,935 88,551 78,797 76,214 86,943

Wadiah Savings AccountsTabungan Mudharabah 170,625 173,669 189,873 197,907 209,261 203,916

Mudharabah Saving AccountsDeposito Mudharabah 316,447 341,475 384,650 396,008 417,243 416,846

Mudharabah Investment AccountsAntar Bank Pasiva 106,336 118,134 153,838 167,747 173,120 174,418

Inter- BankPinjaman yang diterima 42,927 42,453 45,395 44,512 41,912 51,544

Loans ReceivedKewajiban lainnya 6,220 4,591 9,695 9,665 10,199 2,897

Other LiabilitiesKomponen modal

Components CapitalModal disetor 420,540 425,840 432,840 438,340 441,040 445,425

Paid in CapitalCadangan 20,439 22,481 20,404 21,549 20,426 20,667

ReservesL/R Tahun Berjalan 5,439 12,190 20,388 22,372 25,446 26,627

Current Earning Profit/LossL/R Tahun lalu (3,564) 5,566 6,723 8,027 8,491 8,648

Retained Earning Profit/LossTotal Aset 945,005 997,254 1,122,663 1,147,938 1,186,540 1,202,898

Total Assets

INDIKATOR (Indicator)


23

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

Total Aset Mar-07 Jun-07 Sep-07 Oct-07 Nov-07 Dec-07(Total Assets)

< 1 Miliar 7 8 9 11 13 13

1 s.d. 5 Miliar 49 50 49 49 46 46

> 5 s.d. 10 Miliar 28 25 25 25 27 24

> 10 Miliar 21 24 26 26 28 31

Total 105 107 109 111 114 114 Tabel 13. Jumlah Rekening and Persentase Pembiayaan Bermasalah BPR Syariah

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


Jumlah Nasabah Dana Pihak Ketiga 301,589 332,403 336,653 342,682 343,234 329,499

Number of Financing AccountJumlah Nasabah Pembiayaan 85,793 82,942 89,682 89,756 90,181 89,270

Nomber of Account Source of FundRasio Pembiayaan dibanding Dana Pihak Ketiga 119.81% 123.90% 130.49% 128.82% 126.38% 123.91%

Financing to Deposit RatioPembiayaan Bermasalah 8.75% 9.11% 8.42% 8.77% 8.38% 7.98%

Non Performing Financing

Keterangan

Tabel 14. Pangsa BPR Syariah Terhadap Total BPR (November 2007– Miliar Rupiah) Islamic Rural Bank’s Share to All Rural Banks (November 2007 – Billion IDRs)

Nominal ShareTotal Assets 1,187 4.21% 28,182Deposit Fund 703 3.70% 19,007Credit/Financing extended 888 4.14% 21,472

Islamic Rural BanksTotal Rural Banks

statistik perbankan syariah perbankan syariah (islamic banking statistics) 2 kelompok bank kp/uus...

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