Statistik Perbankan Syariah. (Islamic Banking Statistics)

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1 Statistik Perbankan Syariah (Islamic Banking Statistics) i

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3 Statistik Perbankan Syariah (SPS) merupakan media publikasi yang menyediakan informasi mengenai data perbankan syariah di Indonesia. Statistik ini diterbitkan setiap bulan oleh Direktorat Perbankan Syariah - Bank Indonesia dan disusun untuk memenuhi kebutuhan intern Bank Indonesia dan kebutuhan pihak ekstern mengenai kegiatan perbankan syariah beserta perkembangannya. Guna memberikan pemahaman yang tepat terhadap data yang disajikan, kami sarankan agar pembaca terlebih dahulu memahami penjelasan, singkatan serta daftar istilah yang ada. Kami mengharapkan agar data yang disajikan dapat memberikan manfaat yang optimal bagi pembaca. Apabila pembaca ingin menyampaikan pertanyaan atau masukan, silakan menghubungi kami melalui TimInformasiPerbankanSyariah@bi.go.id The Islamic Banking Statistics is a media publication that provides information regarding the Islamic Banking Industry in Indonesia. This monthly publication is published by the Directorate of Islamic Banking, Bank Indonesia, to accomodate the needs of the stakeholders. In order to get a better understanding about the data presented in this publication, we suggest that the readers go through the clarification, abbreviations and glossary. We hope that this publication gives benefit to our readers. For questions or suggestions, kindly send to: TimInformasiPerbankanSyariah@bi.go.id Directorate of Islamic Banking BANK INDONESIA Direktorat Perbankan Syariah BANK INDONESIA i i

4 Statistik Perbankan Syariah (Islamic Banking Statistics), December DAFTAR ISI CONTENTS page Kata Pengantar. i Foreword Daftar Isi. ii Contents Penjelasan. v Clarification Daftar Singkatan vi Abbreviations Daftar Istilah. vii Glossary Tab. 1 Jaringan Kantor Perbankan Syariah (Islamic Banking Network) Tab 2 Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network) 2 Tab 3 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location)... 3 Tab. 4 Layanan Syariah (Office Channeling)... 4 Tab. 5 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)... 5 Tab. 6 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Balance Sheet)... 6 Tab. 7 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)... 7 Tab. 8 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Tab. 9 Commercial Bank dan Islamic Business Unit Condensed Income Statement)... 8 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement)... 9 Tab. 10 Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit) Tab. 11 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank) Tab. 12 Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance Sheet Account - Islamic Commercial Bank dan Islamic Business Unit) Tab. 13 Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet Account - Islamic Rural Bank ) Tab. 14 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) Tab. 15 Tab. 16 Tab. 17 Tab. 18 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit) Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ii

5 Statistik Perbankan Syariah (Islamic Banking Statistics), December page Tab. 19 Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) Tab. 20 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) Tab. 21 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) Tab. 22 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) Tab. 23 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage). 23 Tab. 24 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing). 24 Tab. 25 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) Tab. 26 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility) Tab. 27 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) Tab. 28 Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) Tab. 29 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector) Tab. 30 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) Tab. 31 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) Tab. 32 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) Tab. 33 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) Tab. 34 Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) Tab. 35 Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) Tab. 36 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit) Tab. 37 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) Tab. 38 Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit) iii

6 Statistik Perbankan Syariah (Islamic Banking Statistics), December Page Tab. 39 Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank) Tab. 40 Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) Tab. 41 Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market) 41 Tab. 42 Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) Tab. 43 Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province) Tab. 44 Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province) Tab. 45 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province) Tab. 46 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Rural Bank based on Economic Sector and Province) Tab. 47 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province) Tab. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province) Tab. 49 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic 49 Business Unit based on Type of Financing and Province)... Tab. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province) Tab. 51 Total Pembiayaan, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten (Financing, Depositor Funds and percentage of FDR - Islamic Commercial Bank and Islamic Business Unit based on City/District) Grafik 1 Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) Grafik 2 Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank) Grafik 3 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit ) Grafik 4 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) Graph 5 Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit) Grafik 6 Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank).. 57 iv

7 Statistik Perbankan Syariah (Islamic Banking Statistics), December Graph 7 Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit) Grafik 8 Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank) Grafik 9 Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit) Grafik 10 Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF Islamic Rural Bank) Grafik 11 Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah (Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit) Grafik 12 Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO, ROA and ROE - Islamic Rural Bank) v

8 Statistik Perbankan Syariah (Islamic Banking Statistics), December 1. Data yang digunakan dalam SPS bersumber dari Laporan Bulanan Bank Umum Syariah (LBUS) dan Laporan Bulanan Bank Pembiayaan Rakyat Syariah (LapBul BPRS) kecuali dinyatakan lain. 2. Data Non Performing yang ditampilkan merupakan Non Performing gross yaitu tanpa memperhitungkan penyisihan yang dibentuk untuk mengantisipasi risiko kerugian. 3. Proses download data. Data LBUS dan LapBul BPRS yang disampaikan bank pelapor kepada Bank Indonesia diproses pada server web LBUS dan LapBul BPRS. Perbedaan waktu proses data LBUS dan LapBul BPRS dapat menyebabkan perbedaan antara data yang dipublikasikan dalam SPS dengan publikasi yang lain. Oleh karena itu pembaca dihimbau memperhatikan waktu proses data. Pemrosesan data SPS bulan Desember dilakukan pada tanggal 24 Januari Publikasi buku Statistik Perbankan Syariah dapat dilihat melalui website Bank Indonesia 1. The data presented in the Islamic Banking Statistics is derived from the Islamic Bank and Islamic Rural Bank Monthly Reports unless mentioned otherwise. 2. Non Performing Financing data is shown as the gross non performing financing that is without taking into account the reserve formed in anticipation of the risk of losses. 3. Data downloading process. Data of the Islamic Bank and Islamic Rural Bank Monthly Report is submitted by reporting banks to Bank Indonesia and is processed on the web server. The difference in the processing time may result in variations of the data published in this Islamic Banking Statistics compared to other published data. Therefore, readers are recommended to take notice of the data processing time. The data processing time of the December Islamic Banking Statistics is on January 24, The Islamic Banking Statistics can be viewed on Bank Indonesia website vi

9 Statistik Perbankan Syariah (Islamic Banking Statistics), December DAFTAR SINGKATAN ABBREVIATIONS UUS : Unit Usaha Syariah BUS : Bank Umum Syariah BPRS : Bank Pembiayaan Rakyat Syariah PT : Perseroan Terbatas BPD : Bank Pembangunan Daerah SWBI : Sertifikat Wadiah Bank Indonesia SBIS : Sertifikat Bank Indonesia Syariah UKM : Usaha Kecil dan Menengah PPAP : Penyisihan Penghapusan Aktiva Produktif PUAS : Pasar Uang Antar Bank berdasarkan prinsip Syariah FDR : Financing to Deposit Ratio, yaitu rasio pembiayaan terhadap dana pihak ketiga NPF : Non Performing Financing, yaitu rasio pembiayaan bermasalah terhadap total pembiayan ROA : Return on Assets, yaitu rasio laba sebelum pajak (disetahunkan) terhadap total asset rata-rata ROE : Return on Equity, yaitu rasio laba setelah pajak (disetahunkan) terhadap total modal rata-rata BOPO : Rasio Biaya Operasional terhadap Pendapatan Operasional DPK : Dana Pihak Ketiga UUS : Islamic Business Unit of a Conventional Bank BUS : Islamic Commercial Bank BPRS : Islamic Rural Bank PT : Limited Liabilities Company BPD : Regional Government Bank SWBI : Wadiah Islamic Certificate of Bank Indonesia SBIS : Islamic Certificate of Bank Indonesia UKM : Small and Medium Scale Enterprise PPAP : Allowances for Earning Assets Losses PUAS : Interbank Islamic Money Market FDR : Financing to Deposit Ratio NPF : Non Performing Financing ROA : Return on Assets, that is the ratio of annualized earnings before taxes to average assets ROE : Return on Equity, that is the ratio of annualized earnings after taxes to average equity BOPO : The ratio of Operational Expenses to Operational Revenue DPK : Depositor Funds PYD : Financing IDR : Indonesian Rupiah PYD : Pembiayaan yang Diberikan vii

10 Statistik Perbankan Syariah (Islamic Banking Statistics), December DAFTAR ISTILAH GLOSARY Akad Wadiah Wadiah Contract : Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana atau barang dengan kewajiban bagi pihak yang menyimpan untuk mengembalikan dana atau barang titipan sewaktu-waktu. A contract between the owner of the goods (the money) and the custodian for safekeeping. Akad Mudharabah Mudharaba Contract : Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul maal) kepada pengelola dana (mudharib) untuk melakukan kegiatan usaha tertentu yang sesuai syariah, dengan pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang telah disepakati sebelumnya. A contract between a capital provider and an entrepreneur or a fund manager, whereby the entrepreneur or fund manager can mobilize the funds of the former for its business activity within the Sharia guidelines. Profits made are shared between the parties according to a mutually agreed ratio. Akad Musyarakah Musharaka Contract : Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik dana dan/atau barang untuk menjalankan usaha tertentu sesuai syariah dengan pembagian hasil usaha antara kedua belah pihak berdasarkan nisbah yang disepakati, sedangkan pembagian kerugian berdasarkan proporsi modal masing-masing. A contract between two parties whereby both parties provide capital and both may be active in managing the venture. Losses are shared on the basis of how much capital has been contributed. Profits are shared in any way the partners decide. Akad Murabahah Murabaha Contract : Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar harga perolehan barang ditambah dengan margin yang disepakati oleh para pihak, dimana penjual menginformasikan terlebih dahulu harga perolehan kepada pembeli. The sale of goods at a price, which includes a profit margin agreed to by both parties. The purchase and selling price, other costs, and the profit margin must be clearly stated by the seller at the time of the sale agreement. viii

11 Statistik Perbankan Syariah (Islamic Banking Statistics), December Akad Salam Salam Contract : Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara pemesanan dengan syarat-syarat tertentu dan pembayaran tunai terlebih dahulu secara penuh. A contract in which the seller undertakes to supply some specific goods to the buyer on a future date at a mutually agreed price fully paid at the time of contract. Akad Istishna Istishna Contract : Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk pemesanan pembuatan barang dengan criteria dan persyaratan tertentu yang disepakati dengan pembayaran sesuai dengan kesepakatan. A contract in which the seller undertakes to supply some specific goods to the buyer on a future date at a mutually agreed price and method of payment. Akad Ijarah Ijara Contract : Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu barang dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan hak pakai atas obyek sewa dengan penyewa untuk mendapatkan imbalan atas obyek sewa yang disewakan. The selling of benefit or use or service for a fixed price or wage. Akad Qardh Qardh Contract : Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa imbalan dengan kewajiban pihak peminjam mengembalikan pokok pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu. A loan in which the debtor is only required to repay the amount borrowed. Ekuivalen tingkat imbalan/ bagi hasil/fee/bonus Equivalent rate of return/profit sharing/fee/bonus Indikasi tingkat imbalan dari suatu penanaman dana atau penghimpunan dana bank pelapor. Indicative rate of return from Placement of Funds or Source of Funds of the reporting bank. ix

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13 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Bank Umum Syariah (Islamic Commercial Bank) - Jumlah Bank (Number of Banks) Jumlah Kantor (Number of Offices) ,113 1,111 1,151 1,154 1,171 1,215 Unit Usaha Syariah (Islamic Business Unit) - - Jumlah Bank Umum Konvensional yang memiliki UUS (Number of Conventional Banks that have Islamic Business Unit) Jumlah Kantor (Number of Offices) , Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank) - - Jumlah Bank (Number of Banks) Jumlah Kantor (Number of Offices) Total Kantor (Total Number of Offices) ,024 1,223 1,370 1,411 1,499 1,501 1,539 1,335 1,387 1,624 1,666 1,669 1,693 1,763 1

14 Statistik Perbankan Syariah (Islamic Banking Statistics), December No Tabel 2. Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network) Kelompok Bank KP/UUS KPO/KC KCP/UPS KK (Group of Banks) HO/IBU HOO/BO SBO/SSU CO Bank Umum Syariah Islamic Commercial Bank PT Bank Syariah Muamalat Indonesia PT Bank Syariah Mandiri PT Bank Syariah Mega Indonesia PT Bank Syariah BRI PT Bank Syariah Bukopin PT Bank Panin Syariah PT Bank Victoria Syariah PT BCA Syariah PT Bank Jabar dan Banten PT Bank Syariah BNI PT Maybank Indonesia Syariah Unit Usaha Syariah Islamic Business Unit PT Bank Danamon PT Bank Permata PT Bank Internasional Indonesia (BII) PT CIMB Niaga HSBC, Ltd PT Bank DKI BPD DIY BPD Jawa Tengah (Jateng) BPD Jawa Timur (Jatim) BPD Banda Aceh BPD Sumatera Utara (Sumut) BPD Sumatera Barat (Sumbar) BPD Riau BPD Sumatera Selatan (Sumsel) BPD Kalimantan Selatan (Kalsel) BPD Kalimantan Barat (Kalbar) BPD Kalimantan Timur (Kaltim) BPD Sulawesi Selatan (Sulsel) BPD Nusa Tenggara Barat (NTB) PT BTN PT Bank Tabungan Pensiunan Nasional (BTPN) PT OCBC NISP PT Bank Sinarmas Bank Pembiayaan Rakyat Syariah Islamic Rural Bank TOTAL Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP/UPS = Kantor Cabang Pembantu/ Unit Pelayanan Syariah - KK = Kantor Kas - Tidak termasuk Layanan Syariah Note: - HO = Head Office - IBU = Islamic Banking Unit - HOO = Head Operational Office - BO = Branch Office - SBO/SSU = Sub Branch Office/Syari a Services Unit - CO = Cash Office - Not Include Office Channeling 2

15 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of Islamic Rural Bank based on Location) Provinsi (Province) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Jawa Barat Banten DKI Jakarta D.I. Yogyakarta Jawa Tengah Jawa Timur Bengkulu Jambi Nanggroe Aceh Darussalam Sumatera Utara Sumatera Barat Riau Sumatera Selatan Kepulauan Bangka Belitung Kepulauan Riau Lampung Kalimantan Selatan Kalimantan Barat Kalimantan Timur Kalimantan Tengah Sulawesi Tengah Sulawesi Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tenggara Nusa Tenggara Barat Bali Nusa Tenggara Timur Maluku Papua Irian Jaya Barat Maluku Utara Total

16 Statistik Perbankan Syariah (Islamic Banking Statistics), December Tabel 4. Layanan Syariah (Office Channeling) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 UUS Bank Danamon UUS Bank Permata UUS BII UUS Bank Tabungan Negara UUS CIMB Niaga UUS BTPN UUS HSBC UUS BPD DKI UUS BPD Banda Aceh UUS BPD Sumut UUS BPD Riau UUS BPD Sumbar UUS BPD Sumsel UUS BPD Jateng UUS BPD DIY UUS BPD Jatim UUS BPD Kalsel UUS BPD Kalbar UUS BPD Kaltim UUS BPD Sulsel UUS BPD Nusa Tenggara Barat UUS OCBC NISP UUS Bank Sinarmas UUS BNI UUS BPD Jabar dan Banten UUS BEI UUS Bukopin UUS IFI UUS BRI UUS Lippo

17 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Bank Umum Syariah (Islamic Commercial Bank) Unit Usaha Syariah (Islamic Business Unit) Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank) 3,523 3,913 4,311 6,609 10,348 10,304 10,840 11,082 11,919 12,439 13,349 13,594 13,829 13,828 14,708 14,858 15,224 1,436 1,797 2,266 2,562 2,296 2,365 2,354 2,439 2,469 2,273 1,615 1,717 1,750 1,752 1,783 1,780 1,868 1,037 1,666 2,108 2,581 2,799 2,793 2,805 2,813 2,838 3,030 3,031 3,039 3,035 3,068 3,111 3,086 3,172 5

18 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR ) Tabel 6. Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Kas (Cash) , ,046 1,161 1,199 1,405 1,803 1,310 1,484 1,453 2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 3,180 3,641 4,540 5,189 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 3 Penempatan pada Bank Lain (Placement in Other Bank) 1, ,667 1,978 3,036 3,150 3,348 3,337 3,156 3,263 3,458 3,413 3,495 3,609 3,640 4,001 4,138 4 Surat Berharga yang Dimiliki (Investment in Securities) ,388 2,683 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733 5 Pembiayaan (Financing) 15,270 20,445 27,944 38,199 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 6 Tagihan Lainnya (Billing and Acceptable Liabilities) Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) Penyisihan Penyusutan A.P (Allowances for earning assets losses) ,148 1,649 1,755 1,867 1,841 1,905 2,182 2,006 2,089 2,144 2,226 2,236 2,243 2,069 9 Penyertaan (Investment in other entities) Aktiva Tetap dan inventaris (Fixed Assets and Equipment) Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 24,882 33,853 33,097 34,311 34,927 35,988 36,441 38,616 40,772 41,205 42,969 44,282 45,677 49, Rupa-rupa Aktiva (Other assets) ,200 1,623 1,729 1,805 1,793 1,805 1,909 2,017 2,085 2,075 2,118 2,134 2,249 2,338 TOTAL AKTIVA* 20,880 26,722 36,538 49,555 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519 PASIVA 1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 36,852 52,271 53,163 53,299 52,811 54,043 55,067 58,078 60,462 60,972 63,912 66,478 69,086 76,036 2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia) Kewajiban kepada Bank Lain (Liabilities to other Bank) ,951 2,419 3,717 3,392 3,444 3,910 3,596 3,472 3,843 3,937 4,151 4,765 4,016 4,642 4,924 4 Surat Berharga yang Diterbitkan (Securities) Pinjaman Diterima (Received Borrowing) Kewajiban lainnya (Other Liabilities) , ,020 1, ,020 1,109 1,321 7 Pinjaman Subordinasi (Subordinated Loan) Antar Kantor Pasiva (Inter -Office Liabilities) 7,459 10,544 17,428 30,283 37,601 37,678 38,921 39,939 40,990 41,445 43,037 44,828 46,064 47,789 48,640 51,051 54,555 9 Rupa-rupa Pasiva (Other Liabilities) Modal disetor (Paid-in capital) ,017 1,752 1,946 2,279 2,279 2,284 2,637 3,137 4,138 4,592 4,592 5,092 5,911 5,911 5, Tambahan modal disetor ( Additional paid-in capital) ,073 1, Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) Cadangan (Reserves) a. Cadangan Umum (General Reserves) b. Cadangan Tujuan (Special Purpose Reserves) Laba (Net Income) - a. Tahun-tahun lalu (Previous years) (76) b. Tahun berjalan (Current year) ,112 1,051 TOTAL PASIVA* 20,880 26,722 36,538 49,555 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519 * Net 6

19 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) Juta Rupiah (in Million IDR) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Kas (Cash) 11,723 19,341 25,090 25,150 28,938 35,899 40,455 35,441 30,706 36,970 35,362 31,786 38,126 37,047 36,983 37,714 30,760 2 Penempatan pada Bank Lain (Placement in Other Bank) 102, , , , , , , , , , , , , , , , ,332 3 Pembiayaan (Financing) 417, , ,709 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 4 Tagihan Lainnya (Billing and Acceptable Liabilities) Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 15, (464) Penyisihan Penyusutan A.P (Allowances for earning assets losses) 7,901 11,994 17,491 35,339 32,413 33,018 34,847 34,611 35,415 36,223 36,814 38,581 38,563 40,373 42,322 42,627 39,172 7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 40,499 46,595 45,827 48,226 48,708 49,530 53,054 54,421 56,800 56,402 57,116 59,436 59,234 59,652 8 Rupa-rupa Aktiva (Other assets) 25,788 52,873 48,921 62,327 73,461 75,981 80,112 81,556 81,092 83,310 80,456 81,112 83,510 83,831 81,684 81,435 84,118 TOTAL AKTIVA* 585, ,017 1,215,916 1,693,332 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745 PASIVA 1 Dana Pihak Ketiga (Depositor Funds) 340, , , ,815 1,250,603 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,235 1,457,768 1,531,242 1,517,715 1,603,778 2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 37,110 97, , , , , , , , , , , , , , , ,882 3 Pinjaman Diterima (Received Borrowing) 37,574 39,757 51,544 68,268 56,744 49,407 52,457 49,641 47,746 46,065 49,909 53,516 56,043 51,385 55,027 53,840 52,170 4 Kewajiban lainnya (Other Liabilities) 8,992 8,808 10,912 19,545 18,419 16,550 16,735 16,701 16,749 15,684 16,983 18,695 22,105 20,477 18,500 17,937 18,802 5 Pinjaman Subordinasi (Subordinated Loan) Rupa-rupa Pasiva (Other Liabilities) 12,212 16,717 24,989 35,861 33,351 29,525 31,408 30,860 30,633 38,122 35,889 39,122 40,105 45,739 50,969 51,311 54,921 7 Modal disetor (Paid-in capital) 118, , , , , , , , , , , , , , , , ,000 8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 54,605 41,929 39,568 44,889 48,594 55,331 56,214 56,906 44,636 45,218 46,118 46,135 44,921 47,448 9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) Cadangan (Reserves) 9,345 16,833 20,684 28,338 36,817 37,887 38,053 40,529 41,594 47,004 47,545 47,722 48,007 43,205 42,987 42,508 41,615 a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 16,638 22,582 23,334 24,194 26,345 27,248 30,170 30,621 30,769 31,073 30,955 30,989 30,676 30,096 b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 11,699 14,235 14,552 13,859 14,184 14,346 16,834 16,924 16,952 16,934 12,250 11,997 11,832 11, Laba (Net Income) - a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) (14,501) (22,111) 30,021 24,646 12,690 (345) (17,300) (20,858) (22,900) (23,952) (23,414) (25,455) (25,440) (24,640) b. Tahun berjalan (Current year) 16,499 20,966 27,064 29,787 54,599 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,639 62,662 69,306 70,243 TOTAL PASIVA* 585, ,017 1,215,916 1,693,332 1,962,225 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745 * Net 7

20 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement ) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec A. Pendapatan (Revenue) 1 Pendapatan Operasional (Operating Revenue) 2,177 3,085 3,795 5,093 6, ,244 1,937 2,607 3,267 3,715 4,484 5,252 6,143 6,962 7,956 8,757 2 Pendapatan Operasional Lainnya (Other operating Revenue) , ,103 1,252 3 Pendapatan non operasional (Non operating Revenue) ,260 2,061 3, ,296 1,608 2,077 2,341 2,734 3,131 3,537 3,984 4,371 4 Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment) -/ ,306 1,468 1,938 2, ,002 1,249 1,411 1,687 1,967 2,271 2,588 2,927 3,261 Total pendapatan (Total Revenue) 2,012 2,905 3,993 5,848 8, ,594 2,473 3,353 4,151 4,967 5,798 6,775 7,847 8,894 10,115 11,119 B. Beban (Expenses) 1 Beban operasional (Operating Expenses) 939 1,324 1,774 2,603 3, ,305 1,832 1,895 2,268 2,664 3,059 3,479 3,917 4,472 2 Beban operasional lainnya (Other Operating Expenses) , Beban non operasional (Non Operating Expenses) ,273 2,147 3, ,295 1,609 2,076 2,344 2,741 3,142 3,548 4,074 4,383 Total Beban (Total Expenses) 1,714 2,491 3,365 5,242 8, ,395 2,112 2,882 3,790 4,387 5,103 5,989 6,872 7,777 8,838 9,818 C. Laba tahun berjalan (Income) D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) E. Laba tahun berjalan sebelum pajak (Net Income before Tax) F. Taksiran pajak penghasilan (Tax Expense) -/- G. Laba setelah taksiran pajak penghasilan (Net Income) ,117 1,277 1, (73) ,115 1,275 1, ,112 1,051 8

21 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement ) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec A. Pendapatan (Revenue) 1 Pendapatan Operasional (Operating Revenue) 97, , , , ,183 33,525 69, , , , , , , , , , ,935 2 Pendapatan Operasional Lainnya (Other operating Revenue) 9,629 15,945 22,927 32,883 43,074 3,735 7,919 12,696 17,140 21,757 26,361 31,006 35,644 37,972 43,920 48,642 55,639 3 Pendapatan non operasional (Non operating Revenue) 1,249 3,676 6,159 6,714 8, ,237 1,732 2,335 2,981 3,583 4,117 5,300 10,850 11,414 12,528 4 Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted Investment) -/- 33,430 49,949 77, , ,769 12,991 26,052 39,794 54,246 69,208 84,076 99, , , , , ,257 Total pendapatan (Total Revenue) 88, , , , ,193 30,165 61,981 94, , , , , , , , , ,823 B. Beban (Expenses) 1 Beban operasional (Operating Expenses) 49,378 82, , , ,209 15,926 34,023 51,838 68,801 87, , , , , , , ,534 2 Beban operasional lainnya (Other Operating Expenses) 2,518 10,217 8,455 14,767 24,593 1,864 5,312 7,992 9,987 13,591 15,996 19,432 22,243 24,588 28,620 15,914 35,795 3 Beban non operasional (Non Operating Expenses) 1,378 3,310 6,797 8,214 8, ,037 1,414 1,810 2,096 2,520 2,978 3,537 3,956 6,469 6,935 7,611 Total Beban (Total Expenses) 53,274 95, , , ,368 18,556 40,371 61,244 80, , , , , , , , ,940 C. Laba tahun berjalan (Income) D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction) E. Laba tahun berjalan sebelum pajak (Net Income before Tax) F. Taksiran pajak penghasilan (Tax Expense) -/- G. Laba setelah taksiran pajak penghasilan (Net Income) 21,449 27,407 34,193 40,381 67,000 6,063 11,336 19,120 28,487 36,354 44,299 51,401 55,181 60,420 72,193 79,945 83, ,286 21,269 27,107 33,821 39,755 66,033 5,984 11,149 18,929 28,219 36,016 43,894 50,892 54,575 59,755 71,471 79,128 82,619 4,770 6,224 7,013 9,976 11, ,819 2,595 3,619 4,646 5,589 6,588 7,311 8,128 9,125 9,823 12,375 16,499 20,883 26,809 29,787 54,562 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635 62,662 69,306 70,243 9

22 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah) (Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Biaya promosi (Cost of promotion) Biaya pendidikan dan pelatihan (Cost of education and training) Total

23 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Biaya promosi (Cost of promotion) 826 1,300 2,284 4,178 4, ,390 1,844 2,353 2,877 3,474 4,224 4,823 5,381 6,433 2 Biaya pendidikan dan pelatihan (Cost of education and training) 686 1,649 1,889 2,727 3, ,357 1,713 2,255 2,688 2,976 3,383 3,862 4,097 4,710 Total 1,512 2,949 4,173 6,905 8, ,304 1,942 2,747 3,556 4,608 5,565 6,450 7,607 8,685 9,478 11,143 11

24 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah (Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Tagihan Komitmen (Claim comintment ) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) Posisi pembelian spot yang masih berjalan (Spot purchases) Posisi pembelian forward yang masih berjalan (Forward purchases) Lainnya (others) Kewajiban Komitmen (Liabilities commitment ) - Fasilitas piutang qardh yang belum ditarik (Qardh facililies that are not yet withdrawn) Fasilitas pembiayaan kepada nasabah yang belum ditarik (Financing facililies that are not yet withdrawn) ,612 1,502 1,818 1,909 1,996 2,262 2,014 2,126 2,189 2,499 2,641 2,656 2,619 2,755 Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank financing facilities) Irrevocable L/C yang masih berjalan (Irrevocable L/Cs) Posisi penjualan spot yang masih berjalan (Spot sales) Posisi penjualan forward yang masih berjalan (Forward sales) Lainnya (others) Tagihan Komitmen (Claim Contingency) Garansi (Kafalah) yang diterima (Kafalah guarantees received) Pendapatan yang akan diterima (Income will be received) , , Lainnya (Others) Kewajiban Komimen (Liabilities Contingency) - Garansi (Kafalah) yang diberikan (Guarantees issued) , Lainnya (Others) Lainnya (Others) - Aktiva produktif yang dihapusbuku (Written off earning assets) ,684 1,363 1,359 1,353 1,427 1,461 1,476 1,698 1,649 1,652 1,643 1,815 1,864 Penerusan dana mudharabah muqayyadah (Channeling of mudharabh muqayaydah)

25 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off Balance Sheet Account - Islamic Rural Bank) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Tagihan Komitmen (Claim comintment ) Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) 512 4,789 1,945 29,607 12,013 13,849 24,095 16,026 7,403 7,372 25,827 23,953 26,471 24,271 24,350 23,953 22,584 Lainnya (others) , , Kewajiban Komitmen (Liabilities commitment) - Fasilitas pembiayaan kepada nasabah yang belum ditarik (financing facililies that are not yet withdrawn) 6,246 4,395 6,420 5,770 6,617 6,726 5,739 7,114 7,141 7,277 7,298 7,644 7,569 6,439 6,458 7,038 6,957 Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank financing facilities) ,551 17,644 Lainnya (others) , Tagihan Komitmen (Claim Contingency) - Garansi (Kafalah) yang diterima (Kafalah guarantees received) Pendapatan yang akan diterima (Income will be received) 4,784 43,072 9,140 12,151 17,467 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 17,606 18,350 21,126 17,942 Lainnya (Others) 2,550 1,450 1,136 1,165 5, , , ,551 2,319 2,444 2,438 2,106 2,452 4,205 Aktiva produktif yang dihapusbuku (Written off earning assets) 7,489 12,231 12,773 19,126 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288 33,742 34,484 34,492 41,188 Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah) 16,883 36,471 33,336 52,640 66,947 60,703 50,285 59,491 58,970 60,179 59,038 62,596 66,112 61,383 68,827 78,432 88,873 13

26 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 14. Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Giro ib - Akad Wadiah (ib Demand Deposits - Wadia ) 2,048 3,416 3,750 4,238 6,202 6,041 6,587 5,881 5,965 6,054 10,038 10,338 7,291 7,407 7,116 8,224 9,056 2 Tabungan ib (ib Saving Deposits) 4,367 6,430 9,454 12,471 16,475 16,362 16,341 16,688 16,863 17,428 18,351 18,449 18,521 19,461 20,137 20,812 22,908 a Akad Wadiah (Wadia) ,538 1,553 1,598 1,886 1,986 2,322 2,547 2,418 2,504 2,658 2,878 3,001 3,338 b Akad Mudharabah (Mudharaba) 4,184 6,098 8,809 11,513 14,937 14,809 14,742 14,802 14,877 15,106 15,804 16,031 16,018 16,803 17,259 17,811 19,570 3 Deposito ib - Akad Mudharabah (ib Time Deposits - Mudharaba) 9,169 10,826 14,807 20,143 29,595 30,760 30,371 30,243 31,215 31,584 29,689 31,675 35,159 37,044 39,225 40,051 44,072 a 1 Bulan (1 month) 3,835 5,234 9,309 14,325 19,794 20,748 20,054 20,226 21,212 21,546 19,597 21,365 24,478 26,171 27,765 27,750 31,873 b 3 Bulan (3 months) 2,228 1,973 1,406 1,919 4,544 4,942 5,124 5,073 4,803 5,081 4,832 5,140 5,153 5,473 5,409 6,472 6,165 c 6 Bulan (6 months) 1,480 1,231 1,296 1,827 1,758 1,796 1,946 1,937 1,939 1,963 2,101 2,118 2,262 2,160 2,281 2,086 2,294 d 12 Bulan (12 months) 1,625 2,143 2,787 2,066 3,497 3,272 3,246 3,007 3,260 2,987 3,154 3,052 3,265 3,240 3,766 3,743 3,738 e > 12 Bulan (> 12 months) Total 15,584 20,672 28,012 36,852 52,271 53,163 53,299 52,811 54,043 55,067 58,079 60,462 60,972 63,912 66,478 69,086 76,036 14

27 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah ( in Million IDR ) Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Giro ib - Akad Wadiah (ib Demand Deposits - Wadia ) Tabungan ib (ib Saving Deposits) 160, , , , , , , , , , , , , , , , ,759 a Akad Wadiah (Wadia) 48,600 73,634 86, , , , , , , , , , , , , , ,066 b Akad Mudharabah (Mudharaba) 112, , , , , , , , , , , , , , , , ,693 3 Deposito ib - Akad Mudharabah (ib Time Deposits - Mudharaba) 173, , , , , , , , , , , , , , , , ,020 a 1 Bulan (1 month) 25,327 58,518 63,504 68, , , , , , , , , , , , , ,669 b 3 Bulan (3 months) 31,371 45,288 49,724 55,818 76, , , , , , , , , , , , ,721 c 6 Bulan (6 months) 35,403 60,348 45,915 68, , , , , , , , , , , , , ,845 d 12 Bulan (12 months) 78, , , , , , , , , , , , , , , , ,288 e > 12 Bulan (> 12 months) 2,347 3,258 56,229 71,557 16,646 16,064 18,700 19,833 20,999 21,308 21,740 24,403 23,985 26,630 24,838 25,476 24,496 Total 334, , , ,815 1,158,034 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,035 1,457,768 1,531,242 1,517,715 1,603,778 15

28 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Giro Wadiah (Wadiah Demand Deposits) SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank Indonesia Islamic Certificate) Lainnya (Others) Total 464 1,282 1,840 2,363 2,694 2,889 2,933 2,883 2,965 3,003 3,088 3,294 3,330 3,392 3,461 3,552 4,176 2,395 2,357 2,599 2,545 3,076 3,373 2,972 2,425 3,027 1,656 2,734 2,576 1,882 2,310 2,783 3,287 5, ,623 5,059 3,932 3,327 2,612 3,164 2,521 3,144 2,295 4,150 4,948 5,325 6,809 3,180 3,641 4,540 5,189 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 16

29 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Miliar Rupiah (in Billion IDR) Tabel 17. Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Surat Berharga Pasar Keuangan Syariah (Islamic Financial Market Securities) ,103 1,103 1,104 1,105 1,104 1,104 1,104 1,106 1,105 1,105 1,105 1,106 1,106 2 Surat Berharga Pasar Modal Syariah (Islamic Capital Market Securities) ,384 2,400 2,641 2,706 3,212 3,259 3,644 3,868 4,200 4,593 4,742 4,827 4,465 4,358 4,532 3 Lainnya (Others) Total ,388 2,683 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733 17

30 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR ) Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) Akad (Contract) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Akad Mudharabah (Mudharaba) 3,124 4,062 5,578 6,205 6,597 6,556 6,592 6,716 6,933 7,231 7,593 7,856 8,207 8,292 8,411 8,895 8,631 Akad Musyarakah (Musharaka) 1,898 2,335 4,406 7,411 10,412 10,363 10,725 11,216 11,632 11,950 12,420 12,645 13,323 13,305 13,943 14,353 14,624 Akad Murabahah (Murabaha) 9,487 12,624 16,553 22,486 26,321 26,532 27,288 28,269 28,922 29,744 31,108 32,027 33,310 33,967 34,831 36,214 37,508 Akad Salam (Salam) Akad Istishna (Istishna) Akad Ijarah (ijara) ,305 1,313 1,321 1,324 1,486 1,569 1,839 2,047 2,134 2,123 2,124 2,149 2,341 Akad Qardh (Qardh) ,829 1,974 2,141 2,275 2,274 2,319 2,449 2,675 2,912 2,902 3,295 3,935 4,731 Lainnya (Others) Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 18

31 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah ( in Million IDR) Tabel 19. Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) Akad (Contract) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Akad Mudharabah (Mudharaba) 24,237 26,351 41,714 42,952 52,781 53,283 55,735 58,421 58,065 59,665 63,453 64,044 64,635 66,693 69,549 67,443 65,471 Akad Musyarakah (Musharaka) 40,065 65,342 90, , , , , , , , , , , , , , ,954 Akad Murabahah (Murabaha) 337, , ,240 1,011,743 1,269,900 1,277,588 1,331,195 1,359,346 1,406,532 1,448,029 1,487,086 1,519,599 1,540,553 1,549,744 1,595,058 1,595,644 1,621,526 Akad Salam (Salam) Akad Istishna (Istishna) 1,844 1,361 13,467 24,683 32,766 32,436 33,130 33,468 34,017 33,593 33,376 33,596 33,404 32,113 30,689 29,354 27,598 Akad Ijarah (ijara) 6,816 6,783 3,661 5,518 7,803 8,219 8,524 9,964 9,613 9,935 9,725 11,715 13,282 13,395 13,600 13,510 13,499 Akad Qardh (Qardh) 6,666 9,969 19,038 40,308 50,018 49,908 53,900 53,532 57,328 59,429 62,401 64,041 62,751 60,390 63,357 61,736 63,000 Multijasa (Multi Purpose Financing) 0 0 6,106 17,988 28,578 29,085 29,904 29,826 33,652 35,389 39,232 43,024 44,024 45,897 46,668 47,960 51,344 Total 417, , ,709 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 19

32 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR ) Tabel 20. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) SEKTOR EKONOMI ECONOMIC SECTOR Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Pertanian, kehutanan dan sarana pertanian ,177 1,331 1,386 1,325 1,563 1,555 1,661 1,678 1,671 1,675 1,671 1,707 1,992 1,762 Agriculture, forestry and agricultural facilities Pertambangan ,047 1, ,116 1,072 1,081 1,098 1,073 1,090 1,096 1,051 1,057 1,120 Mining Perindustrian ,371 1,340 1,579 1,612 1,551 1,768 1,976 2,072 2,107 2,172 2,168 2,126 2,158 2,282 2,337 Manufacturing Listrik, gas dan air ,040 1,134 1,234 1,317 1,354 Water, gas and electricity Konstruksi 1,548 1,637 2,371 3,368 3,516 3,515 3,504 3,831 3,976 3,930 4,083 3,996 4,319 4,015 4,322 4,202 4,194 Construction Perdagangan, restoran dan hotel 1,716 3,041 4,152 4,426 5,000 5,732 5,577 6,114 6,186 6,397 6,787 6,855 7,062 7,136 7,404 7,422 7,609 Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi 1,261 1,165 1,569 2,759 3,349 3,208 3,067 3,499 3,552 3,565 3,575 3,554 3,519 3,435 3,433 3,545 3,696 Transport, cargo storage and communication Jasa dunia usaha 4,504 5,458 8,425 11,757 13,664 13,775 15,126 14,294 14,712 15,355 16,103 16,872 18,016 18,517 18,848 19,880 20,233 Business Services Jasa sosial/masyarakat 1,208 1,456 1,904 2,463 2,661 2,537 2,455 2,596 2,622 2,687 2,755 2,736 2,613 2,694 2,862 2,910 2,975 Social Services Lain-lain 2,913 5,655 6,639 9,693 14,042 13,673 14,080 14,577 15,196 15,618 16,705 17,776 18,771 19,146 19,975 21,335 22,902 Others Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 20

33 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR ) Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) SEKTOR EKONOMI ECONOMIC SECTOR Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Pertanian, kehutanan dan sarana pertanian 11,874 17,720 24,436 41,613 54,486 56,859 62,417 64,779 67,917 71,842 73, , , , , , ,129 Agriculture, forestry and agricultural facilities Pertambangan , , Mining Perindustrian 9,207 12,465 12,447 15,885 20,420 20,643 21,511 27,513 24,279 24,254 23,464 25,758 24,505 24,332 23,251 23,696 24,635 Manufacturing Listrik, gas dan air ,146 1, ,052 1,066 1,057 1,097 1,160 1,212 1,231 2,104 2,436 2,569 1,569 Water, gas and electricity Konstruksi 3,495 6,570 16,051 26,536 48,178 45,235 45,308 49,353 50,643 52,367 54,901 55,851 61,394 64,215 70,105 71,973 66,492 Construction Perdagangan, restoran dan hotel 190, , , , , , , , , , , , , , , , ,428 Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi 3,618 8,704 9,075 17,697 17,289 18,387 19,344 18,562 18,809 19,999 19,866 20,785 19,929 21,827 21,784 22,158 21,768 Transport, cargo storage and communication Jasa dunia usaha 49,031 72,194 99, , , , , , , , , , , , , , ,887 Business Services Jasa sosial/masyarakat 5,155 5,632 6,402 22,609 16,451 15,887 17,553 18,877 19,660 21,829 22,701 23,666 23,887 26,091 23,503 23,575 26,564 Social Services Lain-lain 144, , , , , , , , , , , , , , , , ,060 Others Total 417, , ,117 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 21

34 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 22. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage) JENIS PENGGUNAAN TYPE OF USAGE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Modal Kerja Nilai (Amount) 7,988 10,405 15,656 20,554 22,873 23,548 24,046 24,798 25,524 26,453 27,848 28,315 29,445 29,688 30,439 31,650 31,855 Working Capital Pangsa (Share) 52.4% 50.9% 56.0% 53.8% 48.8% 50.0% 49.6% 49.4% 49.4% 49.7% 49.9% 49.1% 48.9% 48.7% 48.3% 48.0% 46.7% Investasi Nilai (Amount) 4,288 4,374 5,637 7,907 9,955 9,901 10,337 10,814 10,913 11,136 11,233 11,526 12,043 12,120 12,571 12,948 13,416 Investment Pangsa (Share) 28.1% 21.4% 20.2% 20.7% 21.2% 21.0% 21.3% 21.5% 21.1% 20.9% 20.1% 20.0% 20.0% 19.9% 20.0% 19.6% 19.7% Konsumsi Nilai (Amount) 2,956 5,666 6,652 9,734 14,058 13,691 14,097 14,595 15,213 15,634 16,721 17,792 18,787 19,162 19,984 21,344 22,910 Consumption Pangsa (Share) 19.4% 27.7% 23.8% 25.5% 30.0% 29.0% 29.1% 29.1% 29.5% 29.4% 30.0% 30.9% 31.2% 31.4% 31.7% 32.4% 33.6% Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 22

35 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 23. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage) JENIS PENGGUNAAN TYPE OF USAGE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Modal Kerja Nilai (Amount) 236, , , , , , , , , , ,707 1,016,629 1,032,901 1,068,388 1,066,454 1,102,195 1,106,035 Working Capital Pangsa (Share) 56.75% 58.13% 55.89% 52.89% 48.37% 48.16% 47.89% 48.28% 48.24% 48.51% 48.45% 52.79% 52.86% 53.96% 52.22% 53.99% 53.68% Investasi Nilai (Amount) 48,023 78, , , , , , , , , , , , , , , ,584 Investment Pangsa (Share) 11.51% 12.77% 14.08% 10.56% 11.75% 10.98% 11.02% 11.01% 10.96% 10.75% 10.55% 9.75% 9.93% 10.23% 10.21% 10.06% 10.37% Konsumsi Nilai (Amount) 132, , , , , , , , , , , , , , , , ,818 Consumption Pangsa (Share) 31.74% 29.10% 30.03% 36.55% 39.88% 40.86% 41.09% 40.71% 40.80% 40.75% 41.01% 37.45% 37.21% 35.81% 37.56% 35.95% 35.95% Total 417, , ,070 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 23

36 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 24. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) GOLONGAN PEMBIAYAAN TYPE OF FINANCING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Usaha Kecil dan Menengah 10,196 14,872 19,566 27,063 35,799 36,093 37,631 39,127 40,609 41,697 43,989 45,479 45,227 45,902 49,589 52,002 52,570 Small and Medium Enterprises Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 11,132 11,087 11,047 10,848 11,079 11,042 11,526 11,812 12,154 15,048 15,068 13,406 13,940 15,611 Non Small and Medium Enterprises Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 24

37 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 25. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) GOLONGAN PEMBIAYAAN TYPE OF FINANCING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Usaha Kecil dan Menengah 273, , , , , , , , , , , ,723 1,013,746 1,109,465 1,141,531 1,128,023 1,115,962 Small and Medium Enterprises Selain Usaha Kecil dan Menengah *) 144, , , , , , , , , , , , , , , , ,475 Non Small and Medium Enterprises Total 417, , ,072 1,256,650 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 *) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion ) 25

38 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 26. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Lancar (Performing Financing) 14,803 19,474 26,813 36,686 45,004 45,086 46,177 47,932 49,342 50,683 53,631 55,244 57,805 58,563 60,509 63,314 66,120 Lancar (Current) 14,027 18,583 25,494 35,076 41,931 41,329 42,058 44,065 45,505 46,725 49,310 50,812 52,845 54,240 56,237 59,092 63,006 Dalam Perhatian Khusus (Special Mention) ,319 1,610 3,074 3,757 4,120 3,867 3,837 3,958 4,321 4,433 4,960 4,324 4,271 4,222 3,114 Non Lancar (Non Performin Financing) ,131 1,509 1,882 2,053 1,054 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 Kurang Lancar (Sub-Standard) ,067 1,028 1, ,098 1, Diragukan (Doubtful) Macet (Lost) ,036 ` 1,043 1,022 1,221 1,097 1,197 1,226 1,221 1,060 1,068 1,052 Total Pembiayaan (Total Financing) 15,232 20,445 27,944 38,195 46,886 47,140 47,231 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181 Percentage of NPFs 2.82% 4.75% 4.05% 3.95% 4.01% 4.36% 2.23% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02% 26

39 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Lancar (Performing Financing) 371, , ,058 1,151,287 1,475,306 1,469,834 1,530,111 1,565,973 1,630,827 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770 1,889,321 1,887,714 1,926,565 Non Lancar (Non Performin Financing) 45,501 51,096 72, , , , , , , , , , , , , , ,872 Kurang Lancar (Sub-Standard) 12,290 16,267 22,674 35,322 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875 46,524 45,589 39,185 Diragukan (Doubtful) 23,338 19,760 17,090 21,307 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142 33,630 33,485 29,919 Macet (Lost) 9,873 15,069 32,586 48,693 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125 72,567 74,579 64,767 Total Pembiayaan (Total Financing) 417, , ,407 1,256,610 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912 2,042,042 2,041,367 2,060,437 Percentage of NPFs 10.90% 8.30% 8.11% 8.38% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50% 27

40 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 28. Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) SEKTOR EKONOMI ECONOMIC SECTOR Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Pertanian, kehutanan dan sarana pertanian Agriculture, forestry and agricultural facilities Pertambangan Mining Perindustrian Manufacturing Listrik, gas dan air Water, gas and electricity Konstruksi Construction Perdagangan, restoran dan hotel Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi Transport, cargo storage and communication Jasa dunia usaha Business Services Jasa sosial/masyarakat Social Services Lain-lain Others Total ,131 1,509 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 28

41 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 29. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector) SEKTOR EKONOMI ECONOMIC SECTOR Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Pertanian, kehutanan dan sarana pertanian 1,259 1,472 1,783 3,839 3,741 4,344 5,150 5,023 5,060 5,433 5,586 6,492 5,880 5,994 6,116 6,131 5,058 Agriculture, forestry and agricultural facilities Pertambangan Mining Perindustrian 1,913 1,377 1,652 2,317 3,090 3,190 2,641 3,384 3,320 3,623 3,722 3,577 3,425 3,796 3,719 3,988 3,036 Manufacturing Listrik, gas dan air Water, gas and electricity Konstruksi ,526 4,484 4,763 4,810 5,086 5,998 6,261 6,163 6,785 7,024 7,040 7,036 7,907 5,245 Construction Perdagangan, restoran dan hotel 26,405 30,305 38,045 39,224 45,737 48,344 52,491 51,173 49,777 50,238 50,837 55,811 57,436 58,757 62,009 60,299 57,125 Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi ,538 1,705 1,949 1,952 2,175 1,695 1,714 1,600 1,738 1,740 2,172 2,540 2,852 2,236 Transport, cargo storage and communication Jasa dunia usaha 6,269 6,802 8,593 16,421 10,416 12,647 13,544 13,901 14,333 14,506 15,255 14,243 15,251 17,658 17,456 16,925 15,418 Business Services Jasa sosial/masyarakat ,812 1,583 1,011 1,694 1,486 2,102 1,488 2,460 2,371 2, Social Services Lain-lain 8,850 9,988 20,139 36,568 41,539 40,505 41,065 41,971 45,006 45,873 44,848 46,948 47,876 49,049 51,049 52,880 44,776 Others Total 45,501 51,096 72, , , , , , , , , , , , , , ,872 29

42 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 30. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) JENIS PENGGUNAAN TYPE OF USAGE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Modal Kerja Nilai (Amount) ,007 1,223 1,161 1,200 1,392 1,149 1,262 1,256 1,175 1,244 1,264 1,070 Working Capital Pangsa (Share) 50.2% 62.2% 57.2% 57.7% 47.74% 49.0% 53.1% 51.0% 52.0% 54.8% 52.9% 52.8% 50.9% 48.8% 50.0% 48.1% 51.9% Investasi Nilai (Amount) Investment Pangsa (Share) 34.6% 26.5% 28.8% 32.4% 28.35% 27.9% 25.2% 27.7% 30.4% 27.9% 28.2% 29.4% 31.0% 32.5% 31.0% 32.9% 25.3% Konsumsi Nilai (Amount) Consumption Pangsa (Share) 15.2% 11.3% 14.0% 9.8% 23.90% 23.1% 21.6% 21.2% 17.6% 17.3% 18.9% 17.8% 18.1% 18.7% 18.9% 19.0% 22.8% Total ,131 1,509 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 30

43 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah (in Million IDR) Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) JENIS PENGGUNAAN TYPE OF USAGE Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Modal Kerja Nilai (Amount) 34,239 38,716 53,267 75,154 68,821 72,600 76,741 77,282 76,459 79,513 80,041 85,596 85,538 92,904 95,608 97,139 85,730 Working Capital Pangsa (Share) 75.2% 75.8% 73.6% 71.4% 61.7% 62.2% 62.0% 62.0% 60.5% 61.4% 61.7% 62.1% 61.0% 63.1% 62.6% 63.2% 64.0% Investasi Nilai (Amount) 4,454 5,445 6,114 8,890 10,723 9,402 11,711 11,198 12,482 11,676 12,174 12,360 12,525 13,481 13,879 13,970 11,195 Investment Pangsa (Share) 9.8% 10.7% 8.5% 8.4% 9.6% 8.1% 9.5% 9.0% 9.9% 9.0% 9.4% 9.0% 8.9% 9.2% 9.1% 9.1% 8.4% Konsumsi Nilai (Amount) 6,808 6,936 12,968 21,278 32,068 34,744 35,313 36,119 37,488 38,368 37,483 39,945 42,256 40,756 43,234 42,544 36,947 Consumption Pangsa (Share) 15.0% 13.6% 17.9% 20.2% 28.7% 29.8% 28.5% 29.0% 29.7% 29.6% 28.9% 29.0% 30.1% 27.7% 28.3% 27.7% 27.6% Total 45,501 51,096 72, , , , , , , , , , , , , , ,872 31

44 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar Rupiah (in Billion IDR) Tabel 32. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) GOLONGAN PEMBIAYAAN TYPE OF FINANCING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Usaha Kecil dan Menengah ,611 1,741 1,864 1,619 1,879 2,061 1,720 1,991 2,096 2,040 2,098 2,281 1,824 Small and Medium Enterprises Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises Total ,131 1,509 1,882 2,053 2,302 2,049 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061 32

45 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta Rupiah ( in Million IDR) Tabel 33. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) GOLONGAN PEMBIAYAAN TYPE OF FINANCING Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Usaha Kecil dan Menengah 45,501 41,108 50,322 69,501 70,160 71,330 80,842 79,687 81,973 84,181 85,620 89,191 91,272 97, ,201 99,687 87,831 Small and Medium Enterprises Selain Usaha Kecil dan Menengah *) - 9,988 22,028 35,821 41,453 45,415 42,923 44,912 44,456 45,376 44,078 48,710 49,046 49,513 51,521 53,966 46,040 Non Small and Medium Enterprises Total 45,501 51,096 72, , , , , , , , , , , , , , ,872 *) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion ) 33

46 Statistik Perbankan Syariah (Islamic Banking Statistics), December satuan (in unit) Tabel 34. Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) Jenis Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Dana Pihak Ketiga (Depositor Funds ) 1,255,889 1,992,452 2,845,829 3,766,067 4,537,565 4,483,636 4,625,738 4,786,190 4,821,406 4,892,028 5,064,242 5,070,648 5,264,503 5,762,528 5,605,872 5,705,161 6,053,658 Giro ib (Demand Deposits) 26,100 34,499 42,741 51,123 71,635 71,818 74,350 75,817 66,576 68, ,398 69,407 71,674 71,547 72,471 73,373 77,200 Tabungan ib (Saving Deposits) 1,168,786 1,883,875 2,711,374 3,600,205 4,315,582 4,258,203 4,397,190 4,552,475 4,596,472 4,663,639 4,791,828 4,838,047 5,022,684 5,494,294 5,344,543 5,447,304 5,790,058 Deposito ib (Time Deposits) 61,003 74,078 91, , , , , , , , , , , , , , ,400 Pembiayaan (Financing ) 144, , , , , , , , , , , , , , , , ,920 Akad Mudharabah (Mudharaba) 15,857 14,967 23,411 30,071 32,609 32,761 33,090 34,300 33,932 34,706 34,968 35,385 36,404 38,124 38,921 40,908 39,844 Akad Musyarakah (Musharaka) 2,396 3,026 6,013 10,949 16,066 16,100 16,523 17,717 18,620 19,055 19,839 20,425 21,205 21,551 22,129 23,071 22,799 Akad Murabahah (Murabaha) 119, , , , , , , , , , , , , , , , ,706 Akad Salam (Salam) Akad Istishna (Istishna) ,346 1,336 1,365 1,366 1,368 1,370 1,335 1,278 1,287 1,292 1,306 1,316 1,335 Akad Ijarah (ijara) ,007 1,912 4,192 4,468 4,747 4,912 5,673 5,925 6,303 6,411 6,713 6,475 6,848 7,177 7,682 Akad Qardh (Qardh) 6,077 12,462 26,455 55, , , , , , , , , , , , , ,554 Total 1,400,588 2,364,561 3,358,059 4,363,275 5,224,100 5,184,428 5,347,072 5,520,422 5,566,355 5,641,087 5,820,930 5,842,530 6,046,362 6,550,035 6,404,289 6,538,952 6,919,578 34

47 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember satuan (in unit) Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) Jenis Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Dana Pihak Ketiga (Depositor Funds) 221, , , , , , , , , , , , , , , , ,927 Giro ib (Demand Deposits) Tabungan ib (Saving Deposits) 214, , , , , , , , , , , , , , , , ,552 Deposito ib (Time Deposits) 6,204 8,157 10,642 13,914 17,530 17,999 18,233 18,143 18,596 18,879 18,594 18,849 18,561 19,294 19,741 19,803 20,375 Pembiayaan (Financing) 47,627 70, , , , , , , , , , , , , , , ,997 Akad Mudharabah (Mudharaba) 2,079 2,312 2,777 2,446 2,595 2,467 2,302 2,188 2,029 1,933 1,890 1,895 1,865 1,872 1,903 1,864 1,816 Akad Musyarakah (Musharaka) 2,959 3,915 4,633 4,442 4,990 5,134 5,378 5,563 5,740 6,047 6,194 6,305 6,372 6,370 6,156 5,941 5,641 Akad Murabahah (Murabaha) 38,928 58,895 91,121 92, , , , , , , , , , , , , ,084 Akad Salam (Salam) Akad Istishna (Istishna) Akad Qardh (Qardh) 2,547 3,991 8,816 11,795 13,712 13,775 14,253 14,482 15,327 14,625 15,461 15,845 15,327 14,426 14,573 14,479 15,061 Akad Ijarah (ijara) ,025 1,023 1,019 1,047 1,078 1,060 1,088 1,096 1,080 Multijasa (Multi Purpose Financin - - 1,933 2,504 3,259 3,310 3,441 3,398 3,749 4,003 4,298 4,668 4,799 5,032 5,214 5,395 5,539 Total 268, , , , , , , , , , , , , , , , ,924 35

48 Statistik Perbankan Syariah (Islamic Banking Statistics), December Tabel 36. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Dana Pihak Ketiga (Depositor Funds) 1 Giro ib (Demand Deposits) 1.16% 1.27% 1.07% 1.18% 0.96% 0.92% 0.90% 0.98% 0.92% 0.99% 1.20% 0.97% 0.94% 0.96% 1.37% 1.13% 1.20% 2 Tabungan ib (Saving Deposits) 3.96% 3.72% 3.32% 3.61% 2.76% 2.50% 2.43% 2.85% 2.54% 2.68% 2.64% 2.65% 2.51% 2.94% 3.01% 3.29% 3.06% 3 Deposito ib (Time Deposits) a 1 Bulan (1 month) 7.86% 8.96% 7.63% 8.22% 6.92% 5.31% 6.54% 6.77% 6.60% 6.37% 6.63% 6.91% 6.69% 6.59% 6.66% 6.51% 6.90% b 3 Bulan (3 months) 8.03% 9.81% 7.93% 9.10% 7.25% 6.07% 6.86% 7.09% 6.88% 6.81% 6.67% 6.85% 7.03% 6.86% 7.14% 6.28% 6.68% c 6 Bulan (6 months) 8.82% 9.57% 8.25% 8.67% 8.44% 6.15% 6.64% 7.72% 7.66% 6.76% 7.31% 7.04% 7.31% 6.96% 7.13% 6.67% 7.15% d 12 Bulan (12 months) 9.35% 9.99% 8.34% 8.34% 9.06% 7.68% 7.51% 8.64% 8.31% 7.49% 6.89% 7.00% 8.39% 7.26% 6.71% 7.31% 7.32% e > 12 Bulan (> 12 months) 7.83% 10.04% 7.17% 8.63% 8.63% 8.53% 8.05% 7.15% 6.91% 8.10% 9.65% 6.03% 6.15% 6.58% 15.92% 5.95% 9.65% Pembiayaan (Financing) 1 Akad Mudharabah (Mudharaba) 12.75% 13.73% 16.93% 19.38% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53% 17.60% 17.59% 17.27% 17.03% 17.31% 17.25% 17.39% 2 Akad Musyarakah (Musharaka) 8.46% 10.25% 11.23% 11.37% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30% 11.39% 11.04% 10.92% 10.95% 11.52% 11.67% 14.52% 3 Akad Murabahah (Murabaha) 13.05% 12.09% 14.66% 14.92% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69% 73.30% 15.77% 15.51% 15.49% 15.61% 15.53% 15.30% 4 Akad Salam (Salam) Akad iistishna (Istishna) 13.80% 13.46% 14.30% 14.99% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18% 13.08% 13.90% 14.00% 13.86% 14.16% 14.18% 13.37% 6 Akad Ijarah (ijara) 0.59% 0.66% 0.16% 0.88% 0.76% 0.75% 0.75% 0.74% 0.66% 0.64% % 0.50% 0.48% 0.48% 0.48% 0.48% 0.46% 7 Akad Qardh (Qardh) 5.25% 5.33% 2.89% 3.42% 4.34% 4.34% 4.34% 4.24% 4.29% 4.15% 4.11% 3.98% 3.84% 3.98% 4.04% 4.10% 3.89% 36

49 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Tabel 37. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Dana Pihak Ketiga (Depositor Funds) 1 Giro ib (Demand Deposits) Tabungan ib (Saving Deposits) 5.69% 10.62% 5.50% 6.62% 6.19% 5.36% 4.03% 4.28% 6.07% 5.97% 6.04% 6.01% 5.80% 5.49% 5.77% 4.33% 4.40% 3 Deposito ib (Time Deposits) a 1 Bulan (1 month) 8.79% 12.73% 10.64% 10.47% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53% 11.30% 11.30% 11.64% 11.46% 11.49% 11.43% 13.57% b 3 Bulan (3 months) 10.60% 12.44% 11.65% 13.16% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47% 11.48% 11.23% 11.17% 11.08% 11.24% 11.31% 11.78% c 6 Bulan (6 months) 12.98% 13.68% 12.14% 13.74% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07% 13.43% 12.89% 13.27% 12.90% 13.20% 13.35% 13.39% d 12 Bulan (12 months) 9.27% 12.58% 12.31% 13.09% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00% 12.07% 11.92% 11.91% 11.74% 11.99% 11.57% 11.61% e > 12 Bulan (> 12 months) 13.54% 14.48% 11.52% 13.03% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00% 11.92% 12.02% 12.12% 12.12% 13.14% 13.06% 12.82% Pembiayaan (Financing) 1 Akad Mudharabah (Mudharaba) 21.28% 18.16% 21.28% 18.49% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42% 17.59% 18.23% 17.98% 18.86% 20.02% 18.81% 19.70% 2 Akad Musyarakah (Musharaka) 20.96% 23.15% 20.77% 23.28% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96% 14.97% 16.01% 15.84% 16.23% 16.39% 15.16% 20.78% 3 Akad Murabahah (Murabaha) 17.88% 18.72% 20.30% 19.56% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57% 19.60% 19.49% 19.62% 19.71% 19.69% 20.15% 20.07% 4 Akad Salam (Salam) Akad iistishna (Istishna) 18.45% 20.01% 7.43% 7.39% 7.35% 7.39% 7.29% 7.28% 7.11% 7.17% 7.27% 7.53% 7.71% 7.93% 8.20% 7.75% 8.49% 6 Akad Ijarah (ijara) 0.84% 0.54% 0.21% 0.11% 0.10% 0.09% 0.11% 0.19% 0.08% 0.08% 0.09% 0.07% 0.07% 0.06% 0.06% 0.10% 0.07% 7 Akad Qardh (Qardh) Multijasa (Multi Purpose Financing)

50 Statistik Perbankan Syariah (Islamic Banking Statistics), December Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit) Rasio (Ratio) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 CAR 1) 12.41% 13.73% 10.67% 12.81% 10.77% 11.26% 11.43% 11.07% 12.12% 12.31% 12.89% 14.66% 14.23% 14.58% 15.74% 15.40% 16.25% 2 ROA 1.35% 1.55% 2.07% 1.42% 1.48% 1.65% 1.76% 2.13% 2.06% 1.25% 1.66% 1.67% 1.63% 1.77% 1.79% 1.83% 1.67% 3 ROE 1) 27.58% 28.45% 40.38% 38.79% 26.09% 20.51% 23.95% 32.02% 27.97% 25.07% 21.41% 21.24% 20.13% 21.92% 24.30% 20.91% 17.58% 4 NPF 2.82% 4.75% 4.05% 1.42% 4.01% 4.36% 4.75% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02% 5 FDR 97.75% 98.90% 99.76% % 89.70% 88.67% 90.96% 95.07% 95.57% 96.65% 96.08% 95.32% 98.86% 95.40% 94.76% 95.45% 89.67% 6 BOPO 78.91% 76.77% 76.54% 81.75% 84.39% 84.87% 79.73% 76.27% 77.15% 85.79% 79.99% 79.77% 80.36% 79.10% 78.94% 77.70% 80.54% 1) Hanya data Bank Umum Syariah (Islamic Commercial Bank only) 38

51 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Tabel 39. Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank) Rasio (Ratio) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 CAR na na 34.72% 30.28% 29.98% 30.80% 33.25% 31.35% 30.70% 29.60% 29.64% 29.20% 27.17% 29.10% 26.25% 28.70% 27.46% 2 ROA 4.05% 3.79% 3.21% 2.76% 5.00% 3.55% 3.48% 3.57% 3.67% 3.97% 3.71% 3.68% 3.52% 3.47% 3.61% 3.59% 3.49% 3 ROE 11.21% 9.82% 11.21% 14.77% 21.55% 11.65% 11.29% 12.20% 13.20% 15.33% 14.07% 14.08% 13.14% 13.17% 14.50% 14.58% 14.29% 4 NPF 10.90% 8.30% 8.11% 8.38% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50% 5 FDR % % % % % % % % % % % % % % % % % 6 BOPO 70.63% 77.33% 76.58% 80.85% 64.69% 76.30% 76.78% 76.18% 75.35% 75.34% 75.20% 75.61% 76.49% 76.93% 77.18% 76.24% 78.08% 39

52 Statistik Perbankan Syariah (Islamic Banking Statistics), December satuan (in unit) Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) Total Aset (Rp) Total Assets (in IDR) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec < 1 Miliar (< 1 Billion) s.d. 5 Miliar (1 up to 5 Billion) > 5 s.d. 10 Miliar (>5 up to 10 Billion) > 10 Miliar (> 10 Billion) Total

53 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Miliar Rupiah (in Billion IDR) Tabel 41. Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 hari (Overnight) na , ,226 4,775 1, hari (2 up to 6 days) na , hari (7 days) na , , hari (8 up to 26 days) na hari (27 up to 30 days) na >30 hari (> 30 days) na Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center) 41

54 Statistik Perbankan Syariah (Islamic Banking Statistics), December Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 hari (Overnight) na 5.92% 6.59% 9.54% 6.01% 6.15% 5.93% 6.00% 5.96% 6.00% 5.94% 6.17% 6.10% 5.67% 5.44% 5.66% 5.65% 2-6 hari (2 up to 6 days) na 7.80% 6.58% 9.97% 6.13% 6.10% 6.05% 5.98% 6.01% 6.09% 6.07% 6.21% 6.13% 6.11% 5.76% 5.65% 5.82% 7 hari (7 days) na 8.18% 6.66% 10.30% 6.33% 6.27% 5.81% 5.96% 6.01% 6.07% 6.16% 6.22% 6.29% 6.16% 6.03% 5.95% 6.00% 8-26 hari (8 up to 26 days) na 8.60% 6.48% 10.65% 6.55% 6.78% 6.54% 5.92% 6.17% 6.48% 6.44% 6.45% 6.38% 6.20% 6.26% 6.10% 5.96% hari (27 up to 30 days) na % % % 5.80% % 6.36% 6.35% 6.35% 6.05% 6.35% - >30 hari (> 30 days) na 6.90% % 6.92% % % 6.50% % % Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center) 42

55 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Miliar Rupiah (in Billion IDR) Tabel. 43. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province) Propinsi (Province) Aset Gross Dana Pihak Ketiga Pembiayaan (Financing) (Gross Assets) (Depositor Funds) FDR NPF DI Aceh 2,784 1,617 1, % 1.94% Sumatera Utara 5,176 3,497 2, % 4.87% Sumatera Barat 2,556 1,469 1, % 1.17% Sumatera Selatan 2,619 1,566 1, % 2.00% Bangka Belitung % 0.06% Jambi % 3.86% Bengkulu % 1.38% Riau 3,200 1,589 1, % 2.83% Kepulauan Riau 1, % 2.06% Lampung 1, % 1.68% DKI Jakarta 79,429 26,900 34, % 3.37% Jawa Barat 14,252 8,029 9, % 2.88% Banten 4,048 2,086 3, % 2.21% Jawa Tengah 6,152 4,170 3, % 2.14% DI Yogyakarta 2, , % 3.83% Jawa Timur 8,224 5,627 5, % 0.99% Bali % 0.13% Kalimantan Barat 1, % 0.58% Kalimantan Tengah % 0.86% Kalimantan Timur 2,833 1,590 1, % 2.41% Kalimantan Selatan 2,691 1,156 1, % 1.94% Sulawesi Utara % 15.41% Gorontalo % 4.44% Sulawesi Barat % 0.00% Sulawesi Tengah % 0.50% Sulawesi Tenggara % 1.52% Sulawesi Selatan 1,977 1,672 1, % 3.83% Maluku % 1.55% Maluku Utara % 0.94% NTB % 0.68% NTT % 0.00% Irian Jaya Barat % 2.36% Papua % 0.10% Luar Indonesia % 0.00% 43

56 Statistik Perbankan Syariah (Islamic Banking Statistics), December Juta Rupiah (in Million IDR) Tabel. 44. Total Aset, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province) Propinsi (Province) Dana Pihak Ketiga Aset (Assets) Pembiayaan (Financing) (Depositor Funds) FDR NPF DI Aceh 75,685 49,296 36, % 12.21% Sumatera Utara 80,197 55,735 52, % 6.11% Sumatera Barat 93,889 72,258 66, % 2.78% Sumatera Selatan 7,245 4,072 3, % 4.37% Bangka Belitung 175, , , % 8.09% Jambi Bengkulu 54,933 46,360 34, % 3.91% Riau 53,405 40,454 23, % 4.70% Kepulauan Riau 14,143 12,349 6, % 4.76% Lampung 86,825 58,150 36, % 2.35% DKI Jakarta 24,074 18,397 4, % 3.42% Jawa Barat 786, , , % 4.98% Banten 294, , , % 10.91% Jawa Tengah 225, , , % 6.11% DI Yogyakarta 126,520 84,811 93, % 5.93% Jawa Timur 421, , , % 7.33% Bali 6,454 6,077 5, % 11.90% Kalimantan Barat Kalimantan Tengah Kalimantan Timur 11,810 7,258 5, % 26.72% Kalimantan Selatan 23,212 13,854 15, % 18.15% Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan 103,667 77,635 49, % 8.01% Maluku Maluku Utara NTB 71,692 43,632 40, % 3.85% NTT Irian Jaya Barat Papua 1, % 10.06% 44

57 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Propinsi (Province) Pertanian, kehutanan dan sarana pertanian Agriculture, forestry and agricultural facilities Tabel. 45. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi ( Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province) Pertambangan Perindustrian Listrik, gas dan air Mining Manufacturing Water, gas and electricity Konstruksi Construction Perdagangan, restoran dan hotel Trade, restaurants and hotels Pengangkutan, pergudangan dan komunikasi Transport, cargo storage and communication Jasa dunia usaha Miliar Rupiah (in Billion IDR) Jasa sosial / masyarakat Lain-lain Business Services Social Services Others DI Aceh Sumatera Utara ,041 Sumatera Barat Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau Kepulauan Riau Lampung DKI Jakarta ,148 1,242 2,522 2,450 2,948 8, ,754 Jawa Barat , ,424 Banten Jawa Tengah ,435 DI Yogyakarta Jawa Timur , ,814 Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku Maluku Utara NTB NTT Irian Jaya Barat Papua Luar Indonesia

58 Statistik Perbankan Syariah (Islamic Banking Statistics), December Tabel. 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi ( Financing of Islamic Rural Bank based on Economic Sector and Province) Juta Rupiah (in Million IDR) Propinsi (Province) Pertanian, kehutanan dan Perdagangan, restoran Pengangkutan, pergudangan Jasa sosial / Pertambangan Perindustrian Listrik, gas dan air Konstruksi Jasa dunia usaha Lain-lain sarana pertanian dan hotel dan komunikasi masyarakat Agriculture, forestry and Water, gas and Trade, restaurants and Transport, cargo storage and Mining Manufacturing Construction Business Services Social Services Others agricultural facilities electricity hotels communication DI Aceh 1, , , ,504 1,198 9,201 Sumatera Utara 2,319-1, ,255 14, , ,408 Sumatera Barat 4, ,383 37,576 1,395 4,957 1,670 20,332 Sumatera Selatan ,349 Bangka Belitung 5, ,669 56,936 1,170 21, ,925 Jambi Bengkulu 18, , ,746 Riau 1,161-1, ,440 1,551 8, ,935 Kepulauan Riau , , ,393 Lampung 4, , , ,844 DKI Jakarta ,133-4,006-12,258 Jawa Barat 35, , , ,245 9,733 72,324 11, ,810 Banten ,249-5, , ,997 4,469 51,910 Jawa Tengah 9, , ,757 48,238 2,725 12,219 2,845 55,751 DI Yogyakarta 1,235-1, ,209 21, ,065 1,173 32,121 Jawa Timur 18, , ,364 88,872 1,906 29,361 1, ,665 Bali 6-1, , Kalimantan Barat Kalimantan Tengah Kalimantan Timur , ,577 Kalimantan Selatan ,210 1,664 6,658-1,464 Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan 1, ,222 11, , ,017 Maluku Maluku Utara NTB ,296 33, , ,877 NTT Irian Jaya Barat Papua

59 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Miliar Rupiah (in Billion IDR) Tabel. 47. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi ( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province) Propinsi (Province) Modal Kerja Investasi Konsumsi Agriculture, forestry and agricultural facilities Mining Manufacturing DI Aceh Sumatera Utara 1, ,041 Sumatera Barat Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau Kepulauan Riau Lampung DKI Jakarta 13,820 7,316 5,764 Jawa Barat 3, ,424 Banten 1, Jawa Tengah 2, ,435 DI Yogyakarta Jawa Timur 2, ,814 Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan Maluku Maluku Utara NTB NTT Irian Jaya Barat Papua Luar Indonesia

60 Statistik Perbankan Syariah (Islamic Banking Statistics), December Juta Rupiah (in Million IDR) Tabel. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province) Propinsi (Province) Modal Kerja Investasi Konsumsi Working Capital Investment Consumption DI Aceh 38,363 4,438 6,496 Sumatera Utara 24,052 2,183 29,499 Sumatera Barat 42,030 11,792 18,436 Sumatera Selatan 1, ,349 Bangka Belitung 99,890 7,971 10,849 Jambi Bengkulu 33,421 7,097 5,842 Riau 17,577 6,886 16,595 Kepulauan Riau 2,913 2,355 7,080 Lampung 13,149 11,061 33,940 DKI Jakarta 17, ,222 Jawa Barat 262,865 53, ,132 Banten 165,967 35,490 38,927 Jawa Tengah 85,186 29,794 45,667 DI Yogyakarta 49,913 7,499 27,408 Jawa Timur 140,712 20, ,918 Bali 3,611 1, Kalimantan Barat Kalimantan Tengah Kalimantan Timur 2, ,500 Kalimantan Selatan 12, ,338 Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan 59,039 2,099 16,597 Maluku Maluku Utara NTB 33,532 8,311 1,790 NTT Irian Jaya Barat Papua

61 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Miliar Rupiah (in Billion IDR) Tabel. 49. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi ( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province) Propinsi (Province) Usaha Kecil dan Menengah Small and Medium Enterprises Selain Usaha Kecil dan Menengah Non Small and Medium Enterprises DI Aceh 1, Sumatera Utara 2, Sumatera Barat 1, Sumatera Selatan Bangka Belitung Jambi Bengkulu Riau 1, Kepulauan Riau Lampung DKI Jakarta 21,667 5,233 Jawa Barat 5,754 2,276 Banten 1, Jawa Tengah 3, DI Yogyakarta Jawa Timur 4, Bali Kalimantan Barat Kalimantan Tengah Kalimantan Timur 1, Kalimantan Selatan Sulawesi Utara Gorontalo Sulawesi Barat Sulawesi Tengah Sulawesi Tenggara Sulawesi Selatan 1, Maluku 20 8 Maluku Utara NTB NTT Irian Jaya Barat Papua Luar Indonesia

62 Statistik Perbankan Syariah (Islamic Banking Statistics), December Juta Rupiah (in Million IDR) Tabel. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province) Propinsi (Province) Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah Small and Medium Enterprises Non Small and Medium Enterprises DI Aceh 32,102 17,194 Sumatera Utara 20,949 34,786 Sumatera Barat 51,626 20,632 Sumatera Selatan 1,723 2,349 Bangka Belitung 107,854 10,856 Jambi - - Bengkulu 33,431 12,930 Riau 15,212 25,846 Kepulauan Riau 5,268 7,080 Lampung 17,664 40,486 DKI Jakarta 17,144 1,252 Jawa Barat 262, ,825 Banten 170,306 70,077 Jawa Tengah 108,825 51,822 DI Yogyakarta 39,623 45,198 Jawa Timur 150, ,455 Bali 5, Kalimantan Barat - - Kalimantan Tengah - - Kalimantan Timur 2,433 4,825 Kalimantan Selatan 12,516 1,338 Sulawesi Utara - - Gorontalo - - Sulawesi Barat - - Sulawesi Tengah - - Sulawesi Tenggara - - Sulawesi Selatan 23,891 53,844 Maluku - - Maluku Utara - - NTB 37,186 6,447 NTT - - Irian Jaya Barat - - Papua

63 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Miliar Rupiah (in Billion IDR) Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/kabupaten Propinsi (Province ) Banten Jawa Barat Kota/Kabupaten (City/District) Pembiayaan (Financing) Dana Pihak Ketiga (Depositor Funds) Kab. Tangerang 648 1, % Kab. Serang % Kotif Cilegon % Kodya Tangerang % Kab. Bekasi 801 1, % Kab. Purwakarta % Kab. Bogor % Kab. Cianjur % Kab. Bandung % Kab. Tasikmalaya % Kab. Majalengka % Kodya Bandung 2,904 3, % Kodya Bogor 1,031 1, % Kodya Sukabumi % Kodya Cirebon % Kotif Tasikmalaya % Kotif Cimahi % Kotif Depok % Kotif Bekasi 985 1, % DKI Jakarta Wil. Kota Jakarta Pusat 15,589 16, % Wil. Kota Jakarta Utara 1,131 1, % Wil. Kota Jakarta Barat % Wil. Kota Jakarta Selatan 7,683 13, % Wil. Kota Jakarta Timur 1,711 2, % DIY Kab. Sleman % Jawa Tengah Kodya Yogyakarta 861 1, % Kab. Tegal % Kab. Pati % Kab. Kudus % Kab. Banyumas % Kab. Cilacap % Kodya Semarang 1,339 1, % Kodya Pekalongan % Kodya Tegal % Kodya Surakarta 1,564 1, % Kotif Purwokerto % Jawa Timur Kab. Gresik % Kab. Sidoarjo % Kab. Pamekasan % Kab. Banyuwangi % Kab. Jember % Kab. Bojonegoro % Kodya Surabaya 2,948 3, % Kodya Malang 1, % Kodya Blitar % Kodya Kediri % Kodya Madiun % Bengkulu Kodya Bengkulu % Jambi Kodya Jambi % NAD Kodya Banda Aceh 973 1, % Kotif Lhokseumawe % Kotif Langsa % Kotif Simeulue % Sumatera Utara Kab. Deli Serdang % Sumatera Barat Riau Kep. Riau Kab. Labuhan Batu % Kodya Tebing Tinggi % Kodya Binjai % Kodya Pematang Siantar % Kodya Tanjung Balai % Kodya Sibolga % Kodya Medan 1,932 1, % Kotif Padang Sidempuan % Kodya Bukittinggi % Kodya Padang % Kodya Payakumbuh % Kab. Bengkalis % Kodya Pekanbaru 1,316 1, % Kotif Dumai % Kotif Tanjungpinang % Kodya Pulau Batam % Sumatera Selatan Kodya Palembang 1,296 1, % Kotif Lubuklinggau % Kotif Prabumulih % Kotif Baturaja % Bangka Belitung Kodya Pangkal Pinang % Lampung (Financing, Depositor Funds, percentage of FDR Islamic Commercial Bank and Islamic Business Unit based on City/District) Kab. Lampung Tengah % Kodya Bandar Lampung % Kalimantan Selatan Kab. Banjar % Kab. Hulu Sungai Selatan % Kab. Tabalong % Kodya Banjarmasin 1,011 1, % Kalimantan Barat Kab. Sambas % Kab. Ketapang % Kodya Pontianak % Kalimantan Timur Kab. Kutai % Kodya Samarinda 750 1, % Kab. Pasir % Kalimantan Tengah Kab. Kotawaringin Barat % Kodya Balikpapan % Kodya Palangkaraya % Sulawesi Tengah Kodya Palu % Sulawesi Selatan Kab. Wajo % Kodya Makassar 1,581 1, % Kab. Maros % Sulawesi Barat Kab. Mamuju % Sulawesi Utara Kodya Menado % Gorontalo Kodya Gorontalo % Sulawesi Tenggara Kodya Kendari % Nusa Tenggara Barat Kab. Lombok Barat % Kab. Lombok Timur % Kodya Mataram % Bali Kab. Badung % Kodya Denpasar % Nusa Tenggara Timur Kodya Kupang % Maluku Kodya Ambon % Irian Jaya Barat Kab. Sorong % Kodya Sorong % Papua Kodya Jayapura % Maluku Utara Kotif Ternate % Luar Indonesia Di Luar Indonesia % FDR 51

64 Statistik Perbankan Syariah (Islamic Banking Statistics), December Miliar rupiah (in Billion IDR) 100,000,000 90,000,000 80,000,000 70,000,000 60,000,000 50,000,000 40,000,000 30,000,000 20,000,000 10,000,000 Grafik 1. Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) 0 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan yang Diberikan (Financing) 52

65 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Juta rupiah (in Million IDR) 3,000,000 Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank ) 2,500,000 2,000,000 1,500,000 1,000, ,000 - Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan Yang Diberikan (Financing) 53

66 Statistik Perbankan Syariah (Islamic Banking Statistics), December Grafik 3. FDR dan Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah FDR and Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit 50.00% 45.00% 40.00% 35.00% 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% 0.00% Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec % 98.00% 96.00% 94.00% 92.00% 90.00% 88.00% 86.00% 84.00% 82.00% % Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis) 54

67 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah (FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank) 35.00% % 30.00% 25.00% 20.00% 15.00% 10.00% 5.00% % % % % % 0.00% Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 % Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis) % 55

68 Statistik Perbankan Syariah (Islamic Banking Statistics), December Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit) Kewajiban Kepada Bank Lain (Inter-bank Liabilities) 6.3% Surat Berharga (Securities) 0.8% Pinjaman yang Diterima (Received Borrowing) 0.3% Modal (Capital) 5.2% Dana Pihak Ketiga (Depositor Funds) 87.4% Desember (December) 56

69 Statistik Perbankan Syariah (Islamic Banking Statistics), Descember Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank) Pinjaman yang Diterima (Received Borrowing) 3.8% Modal (Capital) 14.8% Kewajiban Lainnya (Other Liabilities) 0.7% Dana Pihak Ketiga (Depositor Funds) 64.3% Kewajiban Kepada Bank Lain (Liabilities to other bank) 16.3% Desember (December) 57

70 Statistik Perbankan Syariah (Islamic Banking Statistics), December Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit) Penempatan di BI (Placement at BI) 6.0% Surat Berharga (Investment in Securities) 5.9% Penyertaan (Equity participation) 0.1% Tagihan Lainnya (Billing and Acceptable Liabilities) 0.4% Penempatan di Bank Lain (Inter - bank assets ) 4.4% PYD (Financing) 83.3% Desember (December) 58