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Statistik Perbankan Syariah

(Islamic Banking Statistics)

Direktorat Perbankan Syariah

NOVEMBER 2007 NOVEMBER

Statistik Perbankan Syariah (Islamic Banking Statistics)

ii

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 FD R …………………….………………… 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 Bank 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

1

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 80

2. PT Bank Syariah Mandiri*) 1 57 43 11 76 1 57 43 11 92 1 57 43 11 100

3. PT Bank Syariah Mega Indonesia 1 4 4 0 0 1 4 4 0 0 1 4 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 23 25 0 0 1 24 25 0 0 1 24 25 0 0

3. PT Bank Jabar 1 5 0 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 1 3 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 4 1 1 0 0 5 1 1 0 0 5

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

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

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

22. BPD Sulawesi Selatan 1 1 0 0 0

23. BPD Sumatera Barat 1 1 0 0 0

24. BPD Jawa Timur

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 128 209 116 21 162 129 211 117 21 179 133 214 117 21 188

Jun-07

57156

20 97 59 0 6

3 112

0

112

0

21 60

0 0105 0 107

Dec-06

21

099

57 21

Mar-07

172

7

3

105 0 0 0

180

23 102 57 0 8

3 112 60 21

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


2

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 10 81 1 51 10 11 82

2. PT Bank Syariah Mandiri*) 1 57 46 11 105 1 57 46 11 109 1 57 46 11 112

3. PT Bank Syariah Mega Indonesia 1 5 7 0 0 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 2 0 0 1 1 3 0 0 1 1 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 11 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 1 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. PT Bank Lippo 1 1 0 0 0

Bank Perkreditan Rakyat Syariah

Islamic Rural Banks

TOTAL 137 219 117 21 192 139 219 118 21 197 143 222 118 22 201

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

0 0 0 0

195

26 109 0 655

Sep-07

3 113 63

Nov-2007

113 633

Oct-2007

22

114111 0 0 0 0

0

191

6

21

0109 0 0 0

25 106 54 0 6 25 106 55

1863 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


3

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

KETERANGAN Dec-06 Mar-07 Jun-07 Sep-07 Oct-07 Nov-07ITEMS

1. Kas 346.114 370.870 377.200 410.271 612.751 411.153 Cash2. Penempatan pada BI 3.640.734 4.804.784 3.461.996 2.941.506 3.238.131 3.210.526

Placement at Bank Indonesia3. Penempatan pada bank lain 991.377 1.227.930 1.127.480 1.214.436 1.436.817 1.265.566

Inter-bank assets4. Pembiayaan yang diberikan 20.444.907 20.820.064 22.969.103 25.589.806 26.148.752 26.548.228

Financing extended5. Penyertaan 5.660 40.660 40.660 40.660 40.660 40.660

Equity participation6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (514.724) (617.879) (766.387) (867.661) (901.697) (862.962)

Allowances for earning assets losses (PPAP)7. Aktiva tetap dan investaris 270.397 266.578 274.288 273.354 270.232 274.583

Fixed assets and inventory8. Rupa-rupa aktiva 1.396.304 1.381.616 1.577.182 2.004.602 1.969.336 2.093.559

Other assetsJ U M L A H 26.722.030 28.447.352 29.208.812 31.802.773 33.016.029 33.287.970 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 (Juta Rupiah) Liabilities and Equity (Miliion IDRs)

KETERANGAN Dec-06 Mar-07 Jun-07 Sep-07 Oct-07 Nov-07ITEMS

1. Giro wadiah 3.415.747 3.615.077 3.187.509 3.322.824 3.348.958 3.067.888 Wadiah-current accounts2. Tabungan mudharabah 6.430.355 6.740.443 7.187.821 8.104.200 8.479.723 13.976.649

Mudharabah-saving accounts3. Deposito mudharabah 10.826.079 11.527.413 12.338.926 13.253.393 13.644.654 8.613.626

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 25.126 26.988 35.244 30.391 32.358 35.703

Guarantee deposits9. Antar Kantor Bersih 2.365.712 2.330.968 2.085.715 2.520.093 2.811.105 2.541.652

Interoffice net10. Rupa-rupa pasiva 460.790 560.671 513.712 532.081 532.902 535.426

Other liabilities11. Modal disetor 991.224 991.224 1.001.224 1.001.224 1.017.224 1.017.224

Paid-in capital12. Perkiraan tambahan modal disetor 991.224 991.224 1.001.224 1.001.224 1.017.224 1.017.224

Additional paid-in capital account13. Cadangan 268.040 252.553 275.310 275.308 275.308 275.309

Reserves14. Laba/rugi 382.503 508.703 450.360 577.484 629.980 664.472

Profit/Loss a. Tahun-tahun lalu 27.456 349.976 148.965 148.963 148.963 148.963

Previous years i. Laba 78.115 353.065 151.987 151.985 151.985 151.985

Profit ii. Rugi -/- (50.659) (3.089) (3.022) (3.022) (3.022) (3.022)

Loss b. Tahun berjalan 355.047 158.727 301.395 428.521 481.017 515.509

Current year i. Laba 814.598 323.690 633.493 958.992 1.065.021 1.183.726

Profit ii. Rugi -/- (459.551) (164.963) (332.098) (530.471) (584.004) (668.217)

LossJ U M L A H 26.722.030 28.447.352 29.208.812 31.802.773 33.016.029 33.287.970

Total Liabilities and Equity


5

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

Dec-06 Mar-07 Jun-07 Sep-07 Oct-07 Nov-07

I. Pendapatan Operasional 3,372,807 956,497 2,172,120 2,994,343 3,371,575 3,719,410 Operations Income A. Pendapatan dari Penyaluran Dana 3,084,714 876,903 1,998,347 2,722,941 3,065,167 3,375,312

Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 2,941,373 813,126 1,868,176 2,549,494 2,876,634 3,173,139

From Third Party Non Banks 2. Bank Indonesia 71,307 45,244 89,596 112,418 119,427 129,641

From Bank Indonesia 3. Bank-bank lain 72,034 18,533 40,575 61,029 69,106 72,532

From Other Banks B. Pendapatan Operasional Lainnya 288,093 79,594 173,773 271,402 306,408 344,098

Other Operations Income1. Jasa Investasi Terikat 10,798 3,386 9,133 14,872 16,792 18,862

Restricted Investment Services2. Jasa layanan 69,573 22,411 45,712 72,003 79,013 90,072

Fee Based Income3. Pendapatan dari transaksi valuta asing 3,404 1,182 3,165 5,784 6,232 7,206

Income from Foreign Exchange Transaction4. Koreksi PPAP 44,951 12,775 22,486 34,549 43,923 55,879

Provision for Losses Correction5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif 3,126 78 162 662 194 197

Correction of Provision for Losses Administrative Statement Transaction6. Lainnya 156,241 39,822 93,115 143,532 160,254 171,882

OthersII. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (1,305,700) (350,382) (716,393) (1,075,356) (1,206,444) (1,329,558) Profit Sharing for Unrestricted Investment

1. Pihak ketiga bukan bank 1,269,765 343,057 702,072 1,053,719 1,182,415 1,303,102From Third Party Non Banks

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

3. Bank-bank lain 35,935 7,325 14,321 21,637 24,029 26,456From Other Banks

III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Tidak Terikat2,067,107 606,115 1,455,727 1,918,987 2,165,131 2,389,852 Distribution Income after Distribution Income For Unrestricted Investment InvestorIV. Beban Operasional 1,586,836 431,846 1,124,015 1,440,080 1,628,358 1,816,873 Operations Expenses A. Beban Bonus titipan wadiah 58,488 16,682 31,402 47,040 53,293 59,109

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

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

Ijarah Assets Recovery Cost D. Premi 36,967 11,224 23,539 35,759 40,381 45,129

Premium E. Tenaga kerja 438,628 117,290 260,065 416,057 468,522 522,049

Labour F. Pendidikan dan pelatihan 19,248 3,308 7,880 13,288 14,661 16,569

Education and Training G . Penelitian dan pengembangan 985 269 501 707 734 908

Research and Development H. Sewa 102,165 25,469 53,055 80,475 89,449 99,190

Leasing I. Promosi 89,856 24,008 56,087 91,303 101,853 116,742

Promotion J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 3,104 576 1,671 2,436 2,611 2,823

Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 31,087 7,759 16,406 25,146 28,246 31,867

Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 379 159,654 537,202 513,175 586,590 649,200

Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga 379 36 71 214,582 124 137

Decrease in Value of Securities N. Lainnya 263,007 65,570 136,133 214,582 241,891 273,149

Others Laba Operasional 480,271 174,269 331,712 478,907 536,773 572,979Operation Profit Pendapatan Non Operasional 837,765 275,100 565,136 896,653 1,010,555 1,139,252Non Operations Income Beban Non Operasional 903,986 274,095 566,769 908,693 1,026,050 1,151,234Non Operations Expenses Laba Non Operasional (66,221) 1,005 (1,633) (12,040) (15,495) (11,982)Non Operations Profit Laba Tahun Berjalan 414,050 175,274 330,079 466,867 521,278 560,997Current Profit/LossLaba Tahun Berjalan (setelah taksiran pajak penghasilan) 355,047 158,727 301,395 428,521 481,017 515,509Profit After Calculations of Income Tax

KETERANGAN


6

Gambar 1. Perkembangan Aset Growth of Assets

0.82%

1,73%

4,84%

0,85%

2,74%

3,81%

5,50%

2,75%

2,37%

-0,28%

0,82%0,72%

2,23%

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

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

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

26,00

Nop-06 Des-06 Jan-07 Feb-07 Mar-07 Apr-07 Mei-07 Jun-07 Jul-07 Agust-07 Sep-07 Okt-07 Nop-07


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) 3.415.747 3.615.077 3.187.509 3.322.824 3.348.958 3.067.888

Wadiah currency account Pangsa (Share) 16,52% 16,52% 14,03% 13,46% 13,15% 11,96%

Tabungan Mudharabah Nilai (Amount) 6.430.355 6.740.443 7.187.821 8.104.200 8.479.723 13.976.649

Mudharabah saving account Pangsa (Share) 31,11% 30,80% 31,64% 32,84% 33,29% 54,47%

Deposito Mudharabah Nilai (Amount) 10.826.079 11.527.413 12.338.926 13.253.393 13.644.654 8.613.626

Mudharabah investment account Pangsa (Share) 52,37% 52,68% 54,32% 53,70% 53,56% 33,57%

20.672.181 21.882.933 22.714.256 24.680.417 25.473.335 25.658.163

Nov-07Sep-07Jun-07Dec-06 Mar-07

Total

DANA PIHAK KETIGA

DEPOSIT FUNDOct-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) 35.970 34.499 35.399 36.032 35.994 36.819 37.652 37.840 38.979 40.464 41.356 42.223 42.582

Deposito Mudharabah (Mudharabah Inv. Acc.) 72.214 74.078 76.214 78.483 80.453 82.190 82.929 83.481 85.365 85.948 87.147 90.854 101.733

Tabungan Mudharabah (Mudharabah Sav. Acc.) 1.855.861.883.87 1.946.94 1.985.27 2.064.45 2.118.902.196.65 2.264.68 2.306.60 2.393.112.470.522.563.85 2.638.71



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) 1,12 1,27 1,12 0,97 1,07 0,98 1,10 1,00 1,08 1,12 0,97 0,97 1,01

Deposito Mudharabah (Mudharabah Inv. Acc.) 8,74 9,41 8,59 8,63 8,19 7,92 8,05 7,89 7,76 7,91 7,96 7,71 7,59

Tabungan Mudharabah (Mudharabah Sav. Acc.) 3,32 3,72 3,32 3,54 3,48 3,46 3,32 3,24 3,00 3,15 3,13 3,30 3,15


Gambar 5. Komposisi Deposito Mudharabah Composition of Mudharabah Investment Account

62,10%

9,77%

9,88%

18,21%

0,04%

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



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) 2.334.751 2.367.837 3.289.327 3.927.666 3.968.911 4.263.071

Musharakah Financing Pangsa (Share) 11,42% 11,37% 14,32% 15,35% 15,18% 16,06%

Pembiayaan Mudharabah Nilai (Amount) 4.062.200 4.132.872 4.686.835 5.246.620 5.355.091 5.439.665

Mudharabah Financing Pangsa (Share) 19,87% 19,85% 20,40% 20,50% 20,48% 20,49%

Piutang Murabahah Nilai (Amount) 12.624.241 12.769.755 13.936.084 15.283.720 15.675.460 15.645.561

Murabahah Receivable Pangsa (Share) 61,75% 61,33% 60,67% 59,73% 59,95% 58,93%

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

Salam Receivable Pangsa (Share) 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

Piutang Istishna' Nilai (Amount) 336.970 342.585 333.695 328.438 330.867 333.630

Istishna' Receivable Pangsa (Share) 1,65% 1,65% 1,45% 1,28% 1,27% 1,26%

Lainnya Nilai (Amount) 1.086.745 1.207.015 723.162 803.362 818.423 866.301

Others Pangsa (Share) 5,32% 5,80% 3,15% 3,14% 3,13% 3,26%

20.444.907 20.820.064 22.969.103 25.589.806 26.148.752 26.548.228

Nov-07

Total

RINCIAN PEMBIAYAAN YANG DIBERIKAN

ITEMS OF FINANCINGDec-06 Mar-07 Oct-07Jun-07 Sep-07


10

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

Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 701.044 631.485 651.089 648.637 639.974 637.161

Agriculture, forestry and agricultural facilities Pangsa (Share) 3,43% 3,03% 2,83% 2,53% 2,45% 2,40%

Pertambangan Nilai (Amount) 374.581 288.760 402.234 491.300 478.695 490.764

Mining Pangsa (Share) 1,83% 1,39% 1,75% 1,92% 1,83% 1,85%

Perindustrian Nilai (Amount) 939.713 962.276 1.106.830 1.197.642 1.313.834 1.311.322

Manufacturing Pangsa (Share) 4,60% 4,62% 4,82% 4,68% 5,02% 4,94%

Listrik, gas dan air Nilai (Amount) 17.158 5.644 27.343 80.974 63.859 66.158

Water, gas and electricity Pangsa (Share) 0,08% 0,03% 0,12% 0,32% 0,24% 0,25%

Konstruksi Nilai (Amount) 1.637.027 1.552.117 1.800.048 2.280.927 2.110.074 2.270.438

Constuction Pangsa (Share) 8,01% 7,45% 7,84% 8,91% 8,07% 8,55%

Perdagangan, restoran dan hotel Nilai (Amount) 3.041.050 3.915.476 3.987.678 3.996.104 4.151.939 4.182.080

Trade, restaurants and hotels Pangsa (Share) 14,87% 18,81% 17,36% 15,62% 15,88% 15,75%

Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1.165.429 1.229.543 1.304.430 1.566.013 1.390.104 1.517.971

Transport, cargo storage and commnucation Pangsa (Share) 5,70% 5,91% 5,68% 6,12% 5,32% 5,72%

Jasa dunia usaha Nilai (Amount) 5.457.711 5.394.551 6.837.406 7.742.142 8.162.611 8.271.953

Business Services Pangsa (Share) 26,69% 25,91% 29,77% 30,25% 31,22% 31,16%

Jasa sosial/masyarakat Nilai (Amount) 1.456.391 1.389.760 1.685.708 1.715.116 1.763.650 1.897.892

Social Services Pangsa (Share) 7,12% 6,68% 7,34% 6,70% 6,74% 7,15%

Lain-lain Nilai (Amount) 5.654.803 5.450.452 5.166.337 5.870.951 6.074.012 5.902.489

Others Pangsa (Share) 27,66% 26,18% 22,49% 22,94% 23,23% 22,23%

20.444.907 20.820.064 22.969.103 25.589.806 26.148.752 26.548.228

Nov-07Oct-07Sep-07Jun-07Dec-06 Mar-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

Trili

un R

p (T

rilio

n ID

Rs)

Modal Kerja (Working Capital) 10,66 10,41 10,82 10,25 11,04 11,38 11,88 12,89 13,48 13,83 14,30 14,70 15,02

Investasi (Investment) 4,39 4,37 4,23 4,26 4,32 4,64 4,70 4,90 5,01 5,26 5,41 5,44 5,61

Konsumsi (Consumption) 5,34 5,67 5,17 5,96 5,46 5,33 5,34 5,17 5,20 5,54 5,88 6,01 5,92



11

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

0,00

2,00

4,00

6,00

8,00

10,00

12,00

14,00

16,00

18,00

20,00

Trili

un R

p (T

rilio

n ID

Rs)

UKM (Small and Medium Business) 14,59 14,87 14,58 14,91 15,33 15,49 15,71 16,44 16,75 17,31 17,91 18,45 18,64

Non UKM (Small and Medium Business) 5,80 5,57 5,64 5,55 5,49 5,86 6,21 6,53 6,94 7,33 7,68 7,70 7,90


Gambar 9. Jumlah Rekening Pembiayaan Number of Account Financing

0

100.000

200.000

300.000

400.000

500.000

600.000

Pembiayaan (Financing) 17.549 17.991 18.120 18.502 19.204 19.961 20.736 22.048 23.208 24.547 26.186 27.230 28.325

Piutang (Receivable) 557.281 353.673 372.616 386.931 399.617 405.649 402.485 409.775 423.542 441.486 459.282 468.973 442.414

Lain-lain (Others) 412 445 486 516 541 563 584 739 772 855 921 925 965



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) 12,11 12,46 12,62 12,58 14,69 14,07 13,95 13,88 13,85 13,56 13,82 13,79 14,57

Piutang (Receivable) 12,23 12,24 14,60 14,25 15,61 15,53 15,45 15,33 15,06 14,90 14,72 14,57 14,30

Lain-lain (Others) 0,55 0,66 2,35 0,62 0,62 0,56 0,29 0,26 0,26 0,25 0,22 0,24 0,25

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


13

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

Nov-2007

10%

44%

1%

45%

Nov-2007

10%

86%

0%

4%

Oct-2007

11%

84%

0%

5%

Sept-2007

10%

86%

0%4%

Penempatan pada BI (Plcment at BI)

Penempatan pada bank lain (Inter bk assets)


Penyertaan (Eq. participation)

Sept-2007

14%

51%

1%

34%

Giro Wadiah (Wadiah-cur. acc.)

Tabungan Mudharabah (Mudharabah-sav. acc.)

Deposito Mudharabah (Mudharabah-inv. acc.)

Pembiayaan yang diterima (Received financing)

Oct-2007

13%1%

52%34%


14

Gambar 12. Rincian Beberapa Surat Berharga (Securities)

0,00

5,00

10,00

15,00

20,00

25,00

30,00

(%)

Persentase Bonus SWBI (% bonus SWBI-Av.) 2,73 1,99 2,72 1,35 1,23 1,04 0,85 1,52 1,43 1,61 2,27 1,29 1,63

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

18,35 6,24 7,45 26,06 3,63 5,73 3,46 1,95 4,63 2,51 2,49 4,79 3,27

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

6,79 8,04 8,43 8,81 9,05 9,10 9,82 9,82 9,62 9,48 9,48 9,66 9,40

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

12,52 12,46 13,50 13,36 13,88 13,59 13,30 13,17 12,51 12,49 12,51 12,38 11,97


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

0,00

0,50

1,00

1,50

2,00

2,50

3,00

3,50

Tril

iun

Rp

(Tri

lion

IDR

s)

SWBI 1,55 2,36 2,66 3,00 3,33 3,17 2,80 2,04 1,56 0,98 1,31 1,76 1,64

Sertifikat IMA (IMA Certificate) 0,13 0,10 0,23 0,18 0,21 0,12 0,12 0,17 0,06 0,18 0,24 0,22 0,14

Obligasi Syariah (Sharia Obligations) 0,16 0,16 0,16 0,16 0,21 0,21 0,21 0,21 0,21 0,21 0,21 0,21 0,20

Surat Berharga yang dimiliki (Securities) 0,86 0,83 0,84 0,87 0,76 0,84 0,99 0,99 1,33 1,36 1,36 1,30 1,39



15

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

103,47%

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



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




Provision for Losses (PPAP)


16

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

Lancar Nilai (Amount) 18.582.911 18.468.301 20.228.465 22.541.712 23.126.394 23.866.480

Current Pangsa (Share) 90,89% 88,70% 88,07% 88,50% 88,44% 89,64%

Dalam Perhatian Khusus Nilai (Amount) 890.780 1.157.905 1.317.277 1.327.302 1.393.756 1.256.496

Special Mention Pangsa (Share) 4,36% 5,56% 5,73% 5,21% 5,33% 4,72%

Kurang Lancar Nilai (Amount) 352.584 393.080 512.678 639.435 702.212 557.934

Sub-standard Pangsa (Share) 1,72% 1,89% 2,23% 2,51% 2,69% 2,10%

Diragukan Nilai (Amount) 235.993 266.541 327.756 263.450 256.225 315.634

Doubtful Pangsa (Share) 1,15% 1,28% 1,43% 1,03% 0,98% 1,19%

Macet Nilai (Amount) 382.639 534.237 582.927 698.801 670.165 627.755

Loss Pangsa (Share) 1,87% 2,57% 2,54% 2,74% 2,56% 2,36%

20.444.907 20.820.064 22.969.103 25.470.700 26.148.752 26.624.299

971.216 1.193.858 1.423.361 1.601.686 1.628.602 1.501.323

4,75% 5,73% 6,20% 6,29% 6,23% 5,64%

Nov-07

Percentage of NPFs

KOLEKTIBILITAS PEMBIAYAAN

Total Pembiayaan (Total Financing)

Nominal NPFs (Coll. 3-5)

COLLECTIBILITY OF FINANCINGDec-06 Mar-07 Oct-07Jun-07 Sep-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)

1,35 1,42 1,631,31

1,561,131,60

1,631,19

1,050,97

1,07

1,50

5,24%

5,64%6,23%

6,29%

6,63%6,58%

6,20%6,17%6,14%

5,73%

5,54%

5,17%

4,75%

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

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

958.99-530.47

1,065.02-584.00

1,183.73-668.22

-750 -600 -450 -300 -150 0 150 300 450 600 750 900 1,050Milyar Rupiah (Billion IDRs)

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

Laba tahun berjalan (Current year profit)

Rugi tahun berjalan (Current year losses)

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

1,55%

1,83%

1,93%1,85%1,90%1,88%1,86%

1,75%1,75%

1,95%

1,44%

1,76%1,86%

52,45%52,80%

55,02%55,76%

49,99%

46,66%45,59%

44,47%

48,38%

44,43%

51,44%

36,94%

33,82%

0%

1%

1%

2%

2%

3%

3%


0%

10%

20%

30%

40%

50%

60%

ROA ROE


18

Gambar 19. Layanan Syariah Office Channeling

0

100

200

300

400

500

600

700

800

900

1,000

1,100

1,200

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

jum

lah

kant

or (n

umbe

r of o

ffice

s)

0

100,000

200,000

300,000

400,000

500,000

600,000

700,000Juta Rp (Milion IDRs)

Jumlah Kantor (Number of Offices)

Dana Pihak Ketiga (Deposits)

Tabel 9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS)


19

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)

November01-Nov-07 7.000 11,0000 54,55 7 6,2814

5.500 14,3728 43,25 7 6,281423.000 14,2100 43,00 4 6,2814

02-Nov-07 1.000 14,2100 44,00 1 6,252405-Nov-07 6.000 14,3728 44,50 7 7,0475

15.000 17,4808 49,00 1 7,04756.000 11,0000 56,82 7 7,0475

06-Nov-07 2.000 14,3728 47,35 1 7,55452.000 17,4808 47,50 1 7,5545

07-Nov-07 5.000 11,0000 56,82 7 6,16223.000 12,7600 55,40 2 6,1622

10.000 11,0000 56,82 6 6,162225.000 11,0000 54,55 14 6,1622

08-Nov-07 6.000 11,0000 54,55 4 5,981910.000 17,4808 34,00 1 5,98195.000 14,3728 42,00 1 5,9819

09-Nov-07 2.500 17,4808 36,00 10 6,033610.200 17,4808 34,00 1 6,03367.000 17,4808 34,00 1 6,03364.000 14,2100 44,00 1 6,0336

12-Nov-07 2.000 17,4808 35,00 3 6,815110.000 14,3728 43,48 1 6,8151

13-Nov-07 20.000 17,4808 35,00 3 6,23383.000 12,7600 53,44 1 6,2338

5.000 17,4808 36,00 1 6,23383.000 11,0000 56,82 7 6,2338

14-Nov-07 2.500 17,4808 36,00 6 6,19352.000 12,7600 48,98 1 6,1935

25.000 11,0000 54,55 9 6,193515-Nov-07 3.000 17,4808 40,00 1 6,992316-Nov-07 15.000 14,3728 48,70 1 7,4418

15.000 17,4808 47,50 1 7,44183.000 17,4808 40,00 4 7,4418

19-Nov-07 10.000 17,4808 38,60 7 7,311210.000 14,3728 48,70 1 7,311210.000 14,3728 48,70 1 7,31125.000 17,4808 41,00 1 7,3112

20-Nov-07 3.000 17,4808 37,00 7 6,699315.000 10,6500 66,00 1 6,69938.000 11,0000 59,00 6 6,6993

10.000 17,4808 37,00 2 6,699321-Nov-07 20.000 11,0000 56,82 7 6,1115

25.000 11,0000 54,55 8 6,111522-Nov-07 10.000 17,4808 35,00 1 6,1024

7.500 17,4808 35,00 1 6,102415.000 17,4808 34,50 7 6,102450.000 17,4808 35,00 7 6,1024

23-Nov-07 11.300 17,4808 40,00 1 6,59377.500 17,4808 39,00 1 6,5937

25.000 11,0000 54,55 7 6,593726-Nov-07 8.000 17,4808 35,00 1 6,5623

7.500 17,4808 39,50 1 6,56234.000 12,7600 51,65 2 6,56236.000 12,7600 51,65 3 6,5623

27-Nov-07 8.000 17,4808 38,00 1 6,39447.500 17,4808 38,00 1 6,39448.000 17,4808 36,00 1 6,3944

30.000 17,4808 36,00 2 6,394428-Nov-07 6.000 17,4808 40,00 1 6,7681

7.500 17,4808 40,00 1 6,76811.000 12,7600 50,94 2 6,7681

29-Nov-07 7.000 13,0637 54,00 1 6,912310.000 13,0637 57,50 1 6,912325.000 12,7600 53,06 1 6,9123

30-Nov-07 19.700 17,4808 46,00 1 6,865215.000 13,0637 53,00 1 6,865210.000 13,0637 54,00 1 6,865230.000 11,0000 54,55 7 6,8652

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

Mili

ar R

p (B

ilion

IDRs

)

Volume of PUAS Transaction 689,8 761,6 764,45 728,5 680,8 375,8 806,6 651,9 780,5 933,8 1062,6 794,4 1139,3


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

0,00%

2,00%

4,00%

6,00%

8,00%

10,00%

12,00%

14,00%

Outstanding 1.547 2.357 2.663 3.002 3.325 3.166 2.801 2.036 1.555 982,7 1310,9 1761,1 1643,6

SWBI/Aset 6,07% 8,82% 9,88% 10,84% 11,69% 11,16% 9,66% 6,97% 5,20% 3,26% 4,12% 5,33% 4,94%



21

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

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

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

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

0,00%

0,50%

1,00%

1,50%

2,00%

2,50%

3,00%

Total Assets 1,56% 1,55% 1,57% 1,59% 1,63% 1,66% 1,65% 1,69% 1,65% 1,66% 1,66% 1,72% 1,77%

Deposit Fund 1,53% 1,55% 1,61% 1,60% 1,64% 1,69% 1,69% 1,73% 1,68% 1,68% 1,67% 1,76% 1,79%

Financing extended 2,66% 2,66% 2,58% 2,61% 2,61% 2,60% 2,63% 2,66% 2,67% 2,72% 2,76% 2,80% 2,79%

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

Nominal Share

Total Assets 33.016 1,77% 1.862.851

Deposit Fund 25.473 1,79% 1.419.748

Credit/Financing extended 26.149 2,79% 937.177

FDR/LDR*) 102,65% 66,01%

Islamic BanksTotal Banks


22

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


Penyaluran dana 823.989 859.367 911.390 1.027.719 1.053.151 1.095.350

Fund DisbursementsPembiayaan 636.479 679.764 744.743 865.250 866.593 888.074

FinancingPiutang Murabahah 524.401 561.542 613.591 697.108 698.415 710.939

Murabahah ReceivablePiutang salam 68 68 68 68 68 38

Salam ReceivablePiutang Istishna 1.361 1.184 915 11.051 11.604 13.356

Istishna ReceivablePembiayaan Mudharabah 26.568 26.366 32.113 37.952 40.899 42.264

Mudharabah FinancingPembiayaan Musyarakah 65.882 69.904 75.650 94.210 92.126 96.372

Musyarakah FinancingIjarah 6.787 6.358 6.635 6.954 6.498 6.163

IjarahQardh 11.412 14.340 15.771 17.905 16.982 18.941

QardhAntar Bank 187.509 179.603 166.647 162.469 186.558 207.276

Inter-BankSumber Dana 681.666 722.838 766.257 872.002 894.636 927.949

Source of FundDana Pihak ketiga 529.821 567.354 601.079 663.074 672.712 702.717

Third Party FundsTabungan Wadiah 73.952 80.282 85.935 88.551 78.797 76.214

Wadiah Savings AccountsTabungan Mudharabah 160.488 170.625 173.669 189.873 197.907 209.261

Mudharabah Saving AccountsDeposito Mudharabah 295.381 316.447 341.475 384.650 396.008 417.243

Mudharabah Investment AccountsAntar Bank Pasiva 101.886 106.336 118.134 153.838 167.747 173.120

Inter- BankPinjaman yang diterima 44.829 42.927 42.453 45.395 44.512 41.912

Loans ReceivedKewajiban lainnya 5.131 6.220 4.591 9.695 9.665 10.199

Other LiabilitiesKomponen modal

Components CapitalModal disetor 411.625 420.540 425.840 432.840 438.340 441.040

Paid in CapitalCadangan 17.773 20.439 22.481 20.404 21.549 20.426

ReservesL/R Tahun Berjalan 21.824 5.439 12.190 20.388 22.372 25.446

Current Earning Profit/LossL/R Tahun lalu 5.846 (3.564) 5.566 6.723 8.027 8.491

Retained Earning Profit/LossTotal Aset 906.871 945.005 997.254 1.122.663 1.147.938 1.186.540

Total Assets

INDIKATOR (Indicator)


23

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

Total Aset Dec-06 Mar-07 Jun-07 Sep-07 Oct-07 Nov-07(Total Assets)

< 1 Miliar 7 7 8 9 11 13

1 s.d. 5 Miliar 57 49 50 49 49 46

> 5 s.d. 10 Miliar 22 28 25 25 25 27

> 10 Miliar 19 21 24 26 26 28

Total 105 105 107 109 111 114

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 314.584 301.589 332.403 336.653 342.682 343.234

Number of Financing AccountJumlah Nasabah Pembiayaan 74.698 85.793 82.942 89.682 89.756 90.181

Nomber of Account Source of FundRasio Pembiayaan dibanding Dana Pihak Ketiga 120,13% 119,81% 123,90% 130,49% 128,82% 126,38%

Financing to Deposit Ratio

Keterangan

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

Nominal ShareTotal Assets 1.148 4,14% 27.725Deposit Fund 673 3,60% 18.697Credit/Financing extended 867 4,09% 21.196

Islamic Rural BanksTotal Rural Banks

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