Statistik Perbankan Syariah

Transkripsi

1 Statistik Perbankan Syariah Islamic Banking Statistics DESEMBER 24 DECEMBER Direktorat Perbankan Syariah BANK INDONESIA

2 DAFTAR ISI CONTENTS Tabel. Jaringan Kantor Perbankan Syariah 2 Networking of Islamic Banks Tabel 2. Aset Perbankan Syariah 3 Assets of Islamic Banks Tabel 3. Kewajiban dan Modal Perbankan Syariah 4 Liabilities and Equity of Islamic Banks Gambar. Perkembangan Aset Perbankan Syariah 5 Growth of Assets of Islamic Banks Gambar 2. Sumber Dana Perbankan Syariah 5 Sources of Fund of Islamic Banks Tabel 4. Komposisi Dana Pihak Ketiga Perbankan Syariah 6 Composition of Deposit Fund of Islamic Banks Gambar 3. Aktiva Produktif Utama Perbankan Syariah 6 The Major Earning Assets of Islamic Banks Tabel 5. Komposisi Pembiayaan Perbankan Syariah 7 Composition of Financing of Islamic Banks Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah 8 Composition of Uses and Sources of Fund of Islamic Banks Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah 9 Sources of Fund, Financing, and FDR of Islamic Banks Gambar 6. Pembiayaan dan PPAP Perbankan Syariah 9 Financing and Provision for Losses (PPAP) of Islamic Banks Tabel 6. NPFs Perbankan Syariah Non Performing Financings (NPFs) of Islamic Banks Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah Current Year Profits and Losses of Islamic Banks Tabel 7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market (PUAS) Gambar 8. Volume Transaksi PUAS 2 Volume of PUAS Transaction Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) 2 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel 8. Pangsa Perbankan Syariah Terhadap Total Bank 3 Islamic Banks s Share to All Banks Gambar. Pangsa Perbankan Syariah Terhadap Total Bank 3 Islamic Banks s Share to All Banks

3 Tabel. Jaringan Kantor Perbankan Syariah Networking of Islamic Banks Mar-4 Jun-4 Sep-4 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. PT Bank Muamalat Indonesia PT Bank Syariah Mandiri PT Bank Syariah Mega Indonesia 2 Unit Usaha Syariah Islamic Banking Unit. PT Bank IFI PT Bank Negara Indonesia PT Bank Jabar PT Bank Rakyat Indonesia PT Bank Danamon PT Bank Bukopin PT Bank Internasional Indonesia HSBC, Ltd. 9. PT Bank DKI. BPD Riau. BPD Kalsel 2. PT Bank Niaga 4 3. BPD Sumut 4. BPD Aceh 5. Bank Permata 6. Bank Tabungan Negara Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL Nov-4 Dec-4 Jan-5 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. PT Bank Muamalat Indonesia PT Bank Syariah Mandiri PT Bank Syariah Mega Indonesia Unit Usaha Syariah Islamic Banking Unit. PT Bank IFI PT Bank Negara Indonesia PT Bank Jabar PT Bank Rakyat Indonesia PT Bank Danamon PT Bank Bukopin PT Bank Internasional Indonesia HSBC, Ltd. 9. PT Bank DKI. BPD Riau. BPD Kalsel 2. PT Bank Niaga BPD Sumut BPD Aceh 5. Bank Permata 2 6. Bank Tabungan Negara Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - KK = Kantor Kas (tidak termasuk Gerai Muamalat) Note: - HO = Head Office - IBU = Islamic Banking Unit - HOO = Head Operational Office - BO = Branch Office - SBO = Sub Branch Office - CO = Cash Office 2

4 Tabel 2. Aset Perbankan Syariah (Juta Rupiah) Assets of Islamic Banks (Million IDRs) KETERANGAN Mar-4 Jun-4 Sep-4 Oct-4 Nov-4 Dec-4 ITEMS. Kas 22,269 46,437 53,596 53,686 99,46 64,698 Cash 2. Penempatan pada BI 2,,59,,65,32,295,68,28,33,677,987,939 Placement at Bank Indonesia 3. Penempatan pada bank lain 295, ,35 46,495 52,73 549,56 727,336 Inter-bank assets 4. Pembiayaan yang diberikan 6,45,94 8,356,8,3,5,683,38,978,68,489,933 Financing extended 5. Penyertaan 2,95 2,95 5,7 5,66 5,66 5,66 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (9,936) (48,35) (86,827) (2,947) (226,547) (22,35) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 57,32 72,83 74,56 85,53 85,387 98,242 Fixed assets and inventory 8. Rupa-rupa aktiva 64,768 99,87 949,27 956,53,3,3 972,324 Other assets J U M L A H 9,498,793,23,37 2,79,63 3,463,376 4,35,567 5,325,997 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) 3

5 Tabel 3. Kewajiban dan Modal Perbankan Syariah (Juta Rupiah) Liabilities and Equity of Islamic Banks (Miliion IDRs) KETERANGAN Mar-4 Jun-4 Sep-4 Oct-4 Nov-4 Dec-4 ITEMS. Giro wadiah 632,45,62,7,227,8,22,784,84,88,62,5 Wadiah-current accounts 2. Tabungan mudharabah 2,329,3 2,53,94 2,856,78 2,884,4 3,55,5 3,263,759 Mudharabah-saving accounts 3. Deposito mudharabah 4,6,352 4,72,955 5,59,939 6,3,457 6,39,735 6,978,243 Mudharabah-investment accounts 4. Kewajiban terhadap BI 35,3 34,564 34,6 33,857 33,763 33,449 Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain 25,56 252,445 3,73 482,57 6, ,95 Inter-bank liabilities 6. Pembiayaan yang diterima 43,48 45,48 45, 46,234 46,968 25,466 Received Financing 7. Kewajiban lainnya 78,66 9,36 9,232 4,577 88,536 95,4 Other payables 8. Setoran jaminan 3,33 3,55,376,56,7,55 Guarantee deposits 9. Antar Kantor Bersih 68, ,25 95,488 92,739 93,4,53,424 Interoffice net. Rupa-rupa pasiva 74,54 4, ,7 27, ,643 52,823 Other liabilities. Modal disetor 627,528 63,67 628,67 728,27 728,27 73,39 Paid-in capital 2. Perkiraan tambahan modal disetor (866) (866) (866) (866) Additional paid-in capital account 3. Cadangan 52,593 83,248 83,25 98,735 98,735 98,735 Reserves 4. Laba/rugi 2,2 8,49 55,245 7,348 37,72 25,925 Profit/Loss a. Tahun-tahun lalu 8,842 23,237 23,237 (36,44) (36,44) (36,44) Previous years i. Laba 88,496 29,89 29,89 29,89 29,89 29,89 Profit ii. Rugi -/- (6,654) (6,654) (6,654) (66,332) (66,332) (66,332) Loss b. Tahun berjalan 38,27 85,254 32,8 53,789 73,53 62,366 Current year i. Laba 95,64 96,72 34,8 345, ,796 39,783 Profit ii. Rugi -/- (56,794) (,467) (72,83) (9,884) (2,283) (229,47) Loss J U M L A H 9,498,793,23,37 2,79,63 3,463,376 4,35,567 5,325,997 Total Liabilities and Equity 4

6 Gambar. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks Trily un Rupiah (Trillion IDRs) 8. Aset (Assets) 6. Perkembangan Aset (Assets Growth) 4..44% 2. 4% 2% % 9.9%. 8% % 5.26% 3.4% 3.62% 7.9% 6.8% 4.58% 4.37% 4.22% 5.85% 4.25% 6% 4% 2. 2%. Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 % Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trily un Rupiah (Trillion IDRs) 4. Giro Wadiah (Wadiah-cur. acc.) 2. Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Pembiayaan yang diterima (Received financing) Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 5

7 Tabel 4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah) Composition of Deposit Fund of Islamic Banks (Million IDRs) DANA PIHAK KETIGA DEPOSIT FUND Mar-4 Jun-4 Sep-4 Oct-4 Nov-4 Dec-4 Giro Wadiah Nilai (Amount) 632,45,62,7,227,8,22,784,84,88,62,5 Wadiah currency account Pangsa (Share) 9.% 2.78% 2.68%.9%.2% 3.66% Tabungan Mudharabah Nilai (Amount) 2,329,3 2,53,94 2,856,78 2,884,4 3,55,5 3,263,759 Mudharabah saving account Pangsa (Share) 33.7% 3.44% 29.52% 28.55% 28.93% 27.5% Deposito Mudharabah Nilai (Amount) 4,6,352 4,72,955 5,59,939 6,3,457 6,39,735 6,978,243 Mudharabah investment account Pangsa (Share) 57.83% 56.78% 57.79% 59.54% 59.85% 58.83% Total 7,22,88 8,35,85 9,675,737,,255,559,28,862,7 Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trily un Rupiah (Trillion IDRs) Pembiay aan y ang diberikan (Fin. ex tended) Penempatan pada bank lain (Inter bk assets). Penempatan pada BI (Plcment at BI) Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 6

8 Tabel 5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah) Composition of Financing of Islamic Banks (Million IDRs) RINCIAN PEMBIAYAAN YANG DIBERIKAN ITEMS OF FINANCING Mar-4 Jun-4 Sep-4 Oct-4 Nov-4 Dec-4 Dalam rangka pembiayaan bersama Nilai (Amount) 3, Sindicated Financing Pangsa (Share).5%.%.%.%.%.% Dalam rangka restrukturisasi pembiayaan Nilai (Amount) 799 3,2 238,43 9,4 95,43 - Restructurized Financing Pangsa (Share).%.24% 2.35%.78%.78%.% Penyaluran pembiayaan melalui lembaga lain Nilai (Amount) Channeling Pangsa (Share).%.%.%.%.%.% Pembiayaan Musyarakah Nilai (Amount) 528, ,472,8,82,46,385,95,87,27,868 Musharakah Financing Pangsa (Share) 8.23%.3%.4%.73%.89%.6% Pembiayaan Mudharabah Nilai (Amount),28,569,459,28,72,36,883,594,97,39 2,62,22 Mudharabah Financing Pangsa (Share) 6.3% 7.46% 6.8% 7.63% 7.37% 7.95% Piutang Murabahah Nilai (Amount) 4,27,72 5,398,358 6,628,327 7,,946 7,275,753 7,64,299 Murabahah Receivable Pangsa (Share) 66.58% 64.6% 65.43% 65.63% 66.27% 66.5% Piutang Salam Nilai (Amount) Salam Receivable Pangsa (Share).%.%.%.%.%.% Piutang Istishna' Nilai (Amount) 265, ,6 37,625 39,83 3,596 32,962 Istishna' Receivable Pangsa (Share) 4.4% 3.9% 3.4% 2.89% 2.83% 2.72% Lainnya Nilai (Amount) 288,547 23,87 36,938 4,973 94,649 23,62 Others Pangsa (Share) 4.5%.48%.35%.33%.86%.77% Total 6,45,94 8,356,8,3,5,683,38,978,68,489,933 7

9 Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah Composition of Uses and Sources of Fund of Islamic Banks Penempatan pada BI (Plcment at BI) Penempatan pada bank lain (Inter bk assets) Pembiayaan yang diberikan (Fin. extended) Penyertaan (Eq. participation) Giro Wadiah (Wadiah-cur. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Deposito Mudharabah (Mudharabah-inv. acc.) Pembiayaan yang diterima (Received financing) % 9% 4% 4% % 27% 58% 87% Okt-24 Okt-24 % % 4% 4% % 28% 86% 57% Nov-24 Nov-24 % 4% 2% 3% 5% 58% 27% 8% Des-24 Des-24 8

10 Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Trily un Rupiah (Trillion IDRs) 3. 5% 2. Pembiayaan yang diberikan (Fin. extended) Dana Pihak Ketiga (Deposit Fund). FDR (Financing to Deposit Ratio) % % % % Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trily un Rupiah (Trillion IDRs) Pembiayaan yang diberikan (Fin. extended).. Provision for Losses (PPAP) Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 9

11 Tabel 6. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Mar-4 Jun-4 Sep-4 Oct-4 Nov-4 Dec-4 Lancar Nilai (Amount) 5,975,284 7,846,927 9,472,56 9,98,27,25,63,89,4 Current Pangsa (Share) 93.3% 93.9% 93.5% 92.74% 92.95% 94.7% Dalam Perhatian Khusus Nilai (Amount) 274, 32, , ,275 46,993 4,65 Special Mention Pangsa (Share) 4.27% 3.74% 3.75% 4.6% 4.2% 3.57% Kurang Lancar Nilai (Amount) 76,9 99,47 24,59 23,565 44,49 22,7 Sub-standard Pangsa (Share).8%.9%.23%.6%.32%.6% Diragukan Nilai (Amount) 9,895 2,78 68,74 7,575 64,978 38,626 Doubtful Pangsa (Share).3%.25%.67%.67%.59%.34% Macet Nilai (Amount) 7,63 76,473 86,376 87,695 2,93 9,446 Loss Pangsa (Share).%.92%.85%.82%.93%.95% Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs 6,45,94 8,356,8,3,5,683,38,978,68,489,933 66,545 96, ,4 282,835 3,562 27,79 2.6% 2.35% 2.75% 2.65% 2.84% 2.35% *) NPFs adalah Pembiayaan Non Lancar mulai dari Kurang Lancar sampai dengan Macet NPFs is Non Performing Financings which are composed from collectibility Sub-standard to Loss Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah Current Year Profits and Losses of Islamic Banks Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb-4 Jan Laba tahun berjalan (Current y ear profit) Rugi tahun berjalan (Current y ear losses) Dec Mily ar Rupiah (Billion IDRs)

12 Tabel 7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market (PUAS) Periode Volume Transaksi (Juta Rupiah) Tingkat Indikasi Imbalan Sertifikat IMA (%) Indication Rate of Return of IMA Certificate (%) Jangka Waktu (hari) Tkt Indikasi Imbalan PUAS = Rata-rata Tertimbang Tkt Indikasi Imbalan Sertifikat IMA (%) Period 24 Tkt Imbalan Dep Inv Mudharabah sebelum distribusi pada Bank Pengelola Dana bln sebelumnya (R) Indication Rate of Return of Mudharabah Inv. Before Distributed Last Month at Issuing Bank(R) Nisbah Bagi Hasil untuk Bank Penanam Dana (K) PLS Portion for Lender Bank (K) 23-Jan-4 3, Februari 6-Feb-4 8, Maret 6-Mar-4 6, Mar-4, Mar-4 3, April 26-Apr-, Juni 8-Jun-4 2, Jun-4 22, Juli 7-Jul-4 3, Jul-4, Agustus 3-Aug-4 3, Aug-4, Oktober 8-Oct-4 2, Oct-4 5, Oct-4 2, Oct-4 7, November 5, Nov-4 5, Desember 7-Dec-4 2, , Dec-4 4, , Dec-4 4, Januari Volume of Transaction (Million IDRs) Maturity (Days) Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%) 5, , Jan-5, Jan-5, Jan-5,

13 Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction 4 2 Milyar Rupiah (Billion IDRs) Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 Jan-5 Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 Jan-5 Series Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI) 2,5 2, Milyar Rupiah (Billion IDRs),5, 5 - Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 Jan-5 Dec-3 Jan-4 Feb-4 Mar-4 Apr-4 May -4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov -4 Dec-4 Jan-5 Outstanding,623 2,5,988,567,25, ,

14 Tabel 8. Pangsa Perbankan Syariah Terhadap Total Bank Islamic Banks s Share to All Banks Nominal Islamic Banks Share Total Banks Total Assets % Deposit Fund.86.23% 963. Credit/Financing extended.49.93% LDR/FDR*) 96.86% 6.79% NPL 2.37% 6.6% *) FDR = Financing extended/deposit Fund LDR = Credit extended/deposit Fund Gambar. Pangsa Perbankan Syariah Terhadap Total Bank Islamic Banks s Share to All Banks 2.5% 2.%.5%.%.5%.% Dec-3 Jan-4 Feb-4 M ar-4 Apr-4 M ay-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Dec-3 Jan-4 Feb-4 M ar-4 Apr-4 M ay-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Total Assets.74%.76%.8%.83%.86%.87%.93%.97%.%.5%.%.4%.2% Deposit Fund.64%.75%.78%.8%.85%.86%.9%.95%.2%.4%.9%.3%.23% Cr/Fin ext.6%.23%.2%.32%.42%.47%.58%.67%.74%.83%.88%.9%.93% 3