Statistik Perbankan Syariah (Islamic Banking Statistics)

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1 Statistik Perbankan Syariah (Islamic Banking Statistics) APRIL 27 APRIL Direktorat Perbankan Syariah i

2 DAFTAR ISI CONTENTS Halaman (Page) Daftar Isi Contents... ii Tabel 1. Jaringan Kantor... 1 Networking Tabel 2. Aset... 2 Assets Tabel 3. Kewajiban dan Modal... 3 Liabilities and Equity Tabel 4. Laba/Rugi... 4 Income Statement Gambar 1. Perkembangan Aset Growth of Assets of Islamic Banks Gambar 2. Sumber Dana... 5 Sources of Fund of Islamic Banks Tabel 5. Komposisi Dana Pihak Ketiga... 6 Composition of Deposits Gambar 3. Jumlah Rekening Dana Pihak Ketiga... 6 Composition of Deposits Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga... 7 Percentage of Profit Sharing of Deposits Gambar 5. Komposisi Deposito Mudharabah... 7 Composition of Mudharabah Deposit Account Gambar 6. Aktiva Produktif Utama Perbankan Syariah... 8 The major Earning Assets Tabel 6. Komposisi Pembiayaan Perbankan Syariah... 8 Composition of Financing Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi... 9 Financing based on Economic Sector Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan... 9 Financing based on Type of Use Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan... 1 Financing based on Type of Financing Gambar 9. Jumlah Rekeing Pembiayaan... 1 Number of Account Financing Gambar 1. Persentase Bagi Hasil/Fee/Margin Pembiayaan Percentage of Profit Sharing/Fee/Margin of Financing Gambar 11. Komposisi Penggunaan dan Sumber Dana Composition of Uses and Sources of Fund Gambar 12. Rincian Surat Berharga Secutities Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga Percentage of Bonus/Profit Sharing Secutities ii

3 Halaman (Page) Gambar 14. Sumber Dana, Pembiayaan, dan FDR. 14 Sources of Fund, Financing, and FDR Gambar 15. Pembiayaan dan PPAP Financing and Provision for Losses (PPAP) Tabel 8. Pembiayaan Non Lancar Non Performing Financings (NPFs) Gambar 16. Perkembangan Pembiayaan Non Lancar Non Performing Financings (NPFs) Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses Gambar 18. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio Gambar 19. Layanan Syariah Office Channeling Tabel 9. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) Transaction of Islamic Interbank Money Market (PUAS) Gambar 2. Volume Transaksi PUAS.. 19 Volume of PUAS Transaction Gambar 21. Posisi Sertifikat Wadiah Bank Indonesia (SWBI). 19 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel 1. Pangsa Perbankan Syariah Terhadap Total Bank... 2 Islamic Banks s Share to All Banks Gambar 22. Pangsa Perbankan Syariah Terhadap Total Bank... 2 Islamic Banks s Share to All Banks Tabel 11. Kegiatan Usaha BPR Syariah Islamic Rural Banks Operations Tabel 12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah) Islamic Rural Banks Based on Total Assets (Million IDRs) Tabel 13. Jumlah Rekening and Persentase Pembiayaan Non Lancar BPRS Number of Account and Percentage of Non Performing Financing Rural Islamis Banks Tabel 14. Pangsa BPR Syariah Terhadap Total BPR Islamic Rural Bank s Share to All Rural Banks iii

4 Tabel 1. Jaringan Kantor Net working Jun-6 Sep-6 Dec-6 Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK Group of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO Bank Umum Syariah Islamic Commercial Banks 1. PT Bank Muamalat Indonesia*) 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 PT Bank DKI BPD Riau BPD Kalsel PT Bank Niaga BPD Sumatera Utara BPD Aceh Bank Permata Bank Tabungan Negara BPD Nusa Tenggara Barat BPD Kalimantan Barat BPD Sumatera Selatan BPD Kalimantan Timur BPD DIY 22. BPD Sulawesi Selatan Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL Feb-7 Mar-7 Apr-7 Kelompok Bank KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK KP/UUS KPO/KC KCP UPS KK Group of Banks HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO HO/IBU HOO/BO SBO SSU CO Bank Umum Syariah Islamic Commercial Banks 1. PT Bank Muamalat Indonesia*) 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 PT Bank DKI BPD Riau BPD Kalsel PT Bank Niaga BPD Sumatera Utara BPD Aceh Bank Permata Bank Tabungan Negara BPD Nusa Tenggara Barat BPD Kalimantan Barat BPD Sumatera Selatan BPD Kalimantan Timur BPD DIY BPD Sulawesi Selatan 1 1 Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL *) Koreksi untuk jumlah KPO/KC (correction for number of HOO/BO) Keterangan: - KP = Kantor Pusat - UUS = Unit Usaha Syariah - KPO = Kantor Pusat Operasional - KC = Kantor Cabang - KCP = Kantor Cabang Pembantu - UPS = Unit Pelayanan Syariah - KK = Kantor Kas (tidak termasuk Gerai Muamalat) Note: - HO = Head Office - IBU = Islamic Banking Unit - HOO = Head Operational Office - BO = Branch Office - SBO = Sub Branch Office - SSU = Syari a Services Unit - CO = Cash Office 1

5 Tabel 2. Aset (Juta Rupiah) Assets (Million IDRs) KETERANGAN Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 ITEMS 1. Kas 255, ,77 346, ,954 37,87 373,344 Cash 2. Penempatan pada BI 2,236,11 2,234,167 3,64,734 4,374,187 4,84,784 4,476,559 Placement at Bank Indonesia 3. Penempatan pada bank lain 832,12 91, ,377 1,151,65 1,227,93 1,49,47 Inter-bank assets 4. Pembiayaan yang diberikan 18,162,126 19,662,542 2,444,97 2,462,749 2,82,64 21,353,493 Financing extended 5. Penyertaan 5,66 5,66 5,66 5,66 4,66 4,66 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (428,454) (57,931) (514,724) (576,552) (617,879) (695,87) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 254,131 26,844 27, , , ,131 Fixed assets and inventory 8. Rupa-rupa aktiva 1,383,974 1,455,442 1,495,482 1,567,24 1,512,513 1,497,2 Other assets J U M L A H 22,7,82 24,313,155 26,722,3 27,689,736 28,447,352 28,367,648 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) 2

6 Tabel 3. Kewajiban dan Modal (Juta Rupiah) Liabilities and Equity (Miliion IDRs) KETERANGAN Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 ITEMS 1. Giro wadiah 2,657,588 2,747,786 3,415,747 3,553,997 3,615,77 2,533,241 Wadiah-current accounts 2. Tabungan mudharabah 4,971,785 5,64,591 6,43,355 6,55,882 6,74,443 6,77,827 Mudharabah-saving accounts 3. Deposito mudharabah 8,83,355 9,623,131 1,826,79 1,949,42 11,527,413 12,766,54 Mudharabah-investment accounts 4. Kewajiban terhadap BI 32,366 32,346 32,319 32,311 32,35 32,297 Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain 1,186,126 1,125,8 873,991 1,194,619 1,23,576 1,163,883 Inter-bank liabilities 6. Pembiayaan yang diterima 19, ,387 18, , , ,6 Received Financing 7. Kewajiban lainnya 272, ,14 284, , ,71 311,928 Other payables 8. Setoran jaminan 21,414 19,425 25,126 26,276 26,988 33,39 Guarantee deposits 9. Antar Kantor Bersih 2,666,96 2,652,489 2,365,712 2,41,82 2,33,968 2,28,346 Interoffice net 1. Rupa-rupa pasiva 396,18 411,424 46,79 626,645 56, ,164 Other liabilities 11. Modal disetor 951, , , , , ,224 Paid-in capital 12. Perkiraan tambahan modal disetor 951, , , , , ,224 Additional paid-in capital account 13. Cadangan 268,43 268,4 268,4 252, , ,553 Reserves 14. Laba/rugi 14, , ,53 478,493 58,73 458,937 Profit/Loss a. Tahun-tahun lalu (24,513) (24,548) 27, , , ,622 Previous years i. Laba 78,15 78,115 78, , ,65 267,644 Profit ii. Rugi -/- (12,663) (12,663) (5,659) (9,896) (3,89) (3,22) Loss b. Tahun berjalan 165, , ,47 113, , ,315 Current year i. Laba 386, , , , ,69 424,859 Profit ii. Rugi -/- (221,78) (356,957) (459,551) (14,71) (164,963) (23,544) Loss J U M L A H 22,7,82 24,313,155 26,722,3 27,689,736 28,447,352 28,367,648 Total Liabilities and Equity 3

7 Tabel 4. Laba / Rugi (Juta Rupiah) Income Statement (Miliion IDRs) KETERANGAN Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 I. Pendapatan Operasional 1,534,646 2,383,985 3,372,87 626,61 956,497 1,419,647 Operations Income A. Pendapatan dari Penyaluran Dana 1,46,267 2,169,24 3,84, , ,93 1,312,545 Income from Fund Disbursements 1. Pihak Ketiga Bukan Bank 1,317,741 2,62,666 2,941, ,1 813,126 1,223,282 From Third Party Non Banks 2. Bank Indonesia 38,766 51,349 71,37 28,821 45,244 63,687 From Bank Indonesia 3. Bank-bank lain 49,76 55,225 72,34 12,48 18,533 25,576 From Other Banks B. Pendapatan Operasional Lainnya 128, , ,93 5,632 79,594 17,12 Other Operations Income 1. Jasa Investasi Terikat 4,754 7,952 1,798 2,26 3,386 4,661 Restricted Investment Services 2. Jasa layanan 26,944 47,41 69,573 16,27 22,411 28,222 Fee Based Income 3. Pendapatan dari transaksi valuta asing 714 1,331 3, ,182 1,564 Income from Foreign Exchange Transaction 4. Koreksi PPAP 25,99 34,728 44,951 7,117 12,775 16,264 Provision for Losses Correction 5. Koreksi Penyisihan Penghapusan Transaksi Rekening Administratif , Correction of Provision for Losses Administrative Statement Transaction 6. Lainnya 7,7 123, ,241 24,471 39,822 56,313 Others II. Bagi hasil untuk Investor Dana Investasi Tidak Terikat (64,497) (95,876) (1,35,7) (231,831) (35,382) (473,792) Profit Sharing for Unrestricted Investment 1. Pihak ketiga bukan bank 588, ,42 1,269, ,21 343,57 464,184 From Third Party Non Banks 2. Bank Indonesia From Bank Indonesia 3. Bank-bank lain 15,775 32,834 35,935 4,81 7,325 9,68 From Other Banks III. Pendapatan Operasional setelah distribusi bagi hasil Untuk Investor Dana Investasi Ti 1,446,314 1,446,314 1,446,314 1,446,314 1,446,314 1,446,314 Distribution Income after Distribution Income For Unrestricted Investment Investor IV. Beban Operasional 727,268 1,114,123 1,586, ,47 431, ,39 Operations Expenses A. Beban Bonus titipan wadiah 22,331 37,43 58,488 11,448 16,682 2,921 Bonus Wadiah Deposit Expense B. Beban transaksi valuta asing Foreign Exchange Transaction Expense C. Biaya Perbaikan Aktiva Ijarah Ijarah Assets Recovery Cost D. Premi 16,592 25,948 36,967 6,989 11,224 15,46 Premium E. Tenaga kerja 182,61 286,36 438,628 74, ,29 159,319 Labour F. Pendidikan dan pelatihan 7,351 13,887 19,248 1,82 3,38 5,571 Education and Training G. Penelitian dan pengembangan Research and Development H. Sewa 46,96 7,15 12,165 16,87 25,469 34,332 Leasing I. Promosi 39,586 62,662 89,856 15,568 24,8 34,42 Promotion J. Pajak-Pajak (Tidak termasuk pajak penghasilan) 1,539 2,231 3, Taxs K. Pemeliharaan dan perbaikan aktiva tetap dan inventaris 12,662 2,718 31,87 5,127 7,759 1,823 Maintenance and Recovery Fixed Assets and Inventory L. Penyusutan/Penyisihan/amortisasi/penghapusan 266, ,69 542,876 95, , ,189 Depreciation/provision/amortization/write-off M Penurunan nilai surat berharga Decrease in Value of Securities N. Lainnya 13,532 25, ,7 39,991 65,57 85,886 Others Laba Operasional 22, ,986 48, ,3 174, ,816 Operation Profit Pendapatan Non Operasional 358, ,9 837, , ,1 37,372 Non Operations Income Beban Non Operasional 386, ,81 93, , ,95 37,542 Non Operations Expenses Laba Non Operasional (27,286) (42,792) (66,221) 1,313 1,5 (17) Non Operations Profit Laba Tahun Berjalan 175, , ,5 127, , ,646 Current Profit/Loss Laba (setelah taksiran pajak penghasilan) 165,27 261, ,47 113, , ,315 Profit After Calculations of Income Tax 4

8 Gambar 1. Perkembangan Aset Growth of Assets Triliun Rupiah (Trillion IDRs) Aset (Assets) Perkembangan Aset (Assets Growth) 4.84% 6% 5% % 3.85% 3.65% 3.13% 3.12% 3.6% 1.73% 2.75% 2.74% 4% 3% 2% %.85% 1% % % Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7-1% Gambar 2. Sumber Dana Source of Fund Triliun Rupiah (Trillion IDRs) Pembiayaan yang diterima (Received financing) Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Giro Wadiah (Wadiah-cur. acc.) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 5

9 Tabel 5. Komposisi Dana Pihak Ketiga (Juta Rupiah) Composition of Deposits (Million IDRs) DANA PIHAK KETIGA DEPOSIT FUND Sep-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Giro Wadiah Nilai (Amount) 2,747,786 3,415,747 3,277,229 3,553,997 3,615,77 2,533,241 Wadiah currency account Pangsa (Share) 15.29% 16.52% 15.98% 16.88% 16.52% 11.51% Tabungan Mudharabah Nilai (Amount) 5,64,591 6,43,355 6,574,48 6,55,882 6,74,443 6,77,827 Mudharabah saving account Pangsa (Share) 31.18% 31.11% 32.5% 31.11% 3.8% 3.48% Deposito Mudharabah Nilai (Amount) 9,623,131 1,826,79 1,663,216 1,949,42 11,527,413 12,766,54 Mudharabah investment account Pangsa (Share) 53.53% 52.37% 51.98% 52.1% 52.68% 58.1% Total 17,975,58 2,672,181 2,514,493 21,54,281 21,882,933 22,7,68 Gambar 3. Jumlah Rekening Dana Pihak Ketiga Number of Account Deposits 2,5, 2,, Giro wadiah (Wadiah Curr. Acc) Deposito Mudharabah (Mudharabah Inv. Acc.) Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,5, 1,, 5, Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Giro wadiah (Wadiah Curr. Acc) 29,21 3,734 35,19 33,466 31,69 32,758 33,477 35,97 34,499 35,399 36,32 35,994 36,819 Deposito Mudharabah (Mudharabah Inv. Acc.) 63,173 65,295 65,546 65,598 74,6 7,691 71,679 72,214 74,78 76,214 78,483 8,453 82,19 Tabungan Mudharabah (Mudharabah Sav. Acc.) 1,297,9781,41,813 1,481,991,523,8911,589,841,667,9821,727,7311,855,8611,883,8751,946,9411,985,2792,64,45 2,118,91 6

10 ( ) Statistik Perbankan Syariah (Islamic Banking Statistics) Gambar 4. Persentase Bagi Hasil Dana Pihak Ketiga Percentage of Profit Sharing Deposits % Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Giro wadiah (Wadiah Curr. Acc) Deposito Mudharabah (Mudharabah Inv. Acc.) Tabungan Mudharabah (Mudharabah Sav. Acc.) Gambar 5. Komposisi Deposito Mudarabah Composition of Mudharabah Investment Account diatas 12 bulan (ab. 12 Months).2% 12 bulan (Months) 2.88% 6 bulan (Months) 1.69% 3 bulan (Months) 16.7% 1 Bulan (Month) 55.71%.% 1.% 2.% 3.% 4.% 5.% 6.% 7

11 Gambar 6. Aktiva Produktif Utama The Major Earning Assets Triliun Rupiah (Trillion IDRs) Penyertaan (Eq. participation) Pembiayaan yang diberikan (Fin. extended) Penempatan pada bank lain (Inter bk assets) Penempatan pada BI (Plcment at BI) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Tabel 6. Komposisi Pembiayaan (Juta Rupiah) Composition of Financing (Million IDRs) RINCIAN PEMBIAYAAN YANG DIBERIKAN ITEMS OF FINANCING Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Pembiayaan Musyarakah Nilai (Amount) 2,99,122 2,336,17 2,334,751 2,315,49 2,367,837 2,737,35 Musharakah Financing Pangsa (Share) 11.56% 11.88% 11.42% 11.31% 11.37% 12.82% Pembiayaan Mudharabah Nilai (Amount) 3,56,848 3,842,979 4,62,2 4,,939 4,132,872 4,323,222 Mudharabah Financing Pangsa (Share) 19.61% 19.54% 19.87% 19.55% 19.85% 2.25% Piutang Murabahah Nilai (Amount) 11,778,333 12,449,11 12,624,241 12,645,295 12,769,755 12,992,588 Murabahah Receivable Pangsa (Share) 64.85% 63.31% 61.75% 61.8% 61.33% 6.85% Piutang Salam Nilai (Amount) Salam Receivable Pangsa (Share).%.%.%.%.%.% Piutang Istishna' Nilai (Amount) 293,359 33,44 336,97 324, , ,691 Istishna' Receivable Pangsa (Share) 1.62% 1.54% 1.65% 1.59% 1.65% 1.6% Lainnya Nilai (Amount) 43, ,5 1,86,745 1,177,37 1,27,15 958,957 Apr-7 Others Pangsa (Share) 2.37% 3.72% 5.32% 5.75% 5.8% 4.49% Total 18,162,126 19,662,542 2,444,97 2,462,749 2,82,64 21,353,493 8

12 Tabel 7. Pembiayaan Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing based on Economic Sector (Million IDRs) Statistik Perbankan Syariah (Islamic Banking Statistics) SEKTOR EKONOMI ECONOMIC SECTOR Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 678, ,353 71,44 643, ,485 64,724 Agriculture, forestry and agricultural facilities Pangsa (Share) 3.74% 3.74% 3.43% 3.14% 3.3% 3.% Pertambangan Nilai (Amount) 792, , ,581 35, ,76 28,384 Mining Pangsa (Share) 4.37% 3.68% 1.83% 1.49% 1.39% 1.31% Perindustrian Nilai (Amount) 1,17,145 1,43, , , , ,3 Manufacturing Pangsa (Share) 5.6% 5.31% 4.6% 4.53% 4.62% 4.56% Listrik, gas dan air Nilai (Amount) 91,478 9,815 17,158 7,19 5,644 6,134 Water, gas and electricity Pangsa (Share).5%.46%.8%.3%.3%.3% Konstruksi Nilai (Amount) 1,745,624 1,917,41 1,637,27 1,544,399 1,552,117 1,642,498 Constuction Pangsa (Share) 9.61% 9.75% 8.1% 7.55% 7.45% 7.69% Perdagangan, restoran dan hotel Nilai (Amount) 2,229,781 2,551,781 3,41,5 3,189,749 3,915,476 3,935,988 Trade, restaurants and hotels Pangsa (Share) 12.28% 12.98% 14.87% 15.59% 18.81% 18.43% Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1,343,318 1,331,252 1,165,429 1,186,631 1,229,543 1,273,6 Transport, cargo storage and commnucation Pangsa (Share) 7.4% 6.77% 5.7% 5.8% 5.91% 5.96% Jasa dunia usaha Nilai (Amount) 5,247,693 5,74,3 5,457,711 5,324,738 5,394,551 5,694,987 Business Services Pangsa (Share) 28.89% 25.81% 26.69% 26.2% 25.91% 26.67% Jasa sosial/masyarakat Nilai (Amount) 1,367,877 1,42,699 1,456,391 1,387,298 1,389,76 1,587,323 Social Services Pangsa (Share) 7.53% 7.13% 7.12% 6.78% 6.68% 7.43% Lain-lain Nilai (Amount) 3,647,891 4,79,859 5,654,83 5,947,664 5,45,452 5,318,95 Others Pangsa (Share) 2.9% 24.37% 27.66% 29.7% 26.18% 24.91% Total 18,162,126 19,662,542 2,444,97 2,462,749 2,82,64 21,353,493 Gambar 7. Pembiayaan Berdasarkan Jenis Penggunaan Financing based On Type of Use Triliun Rp (Trillion IDRs) 12. Modal Kerja (Working Capital) Investasi (Investment) Konsumsi (Consumption) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 9

13 Gambar 8. Pembiayaan Berdasarkan Golongan Pembiayaan Financing based on Type of Financing Triliun Rp (Trillion IDRs) 18. UKM (Small and Medium Business) Non UKM (Small and Medium Business) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Gambar 9. Jumlah Rekening Pembiayaan Number of Account Financing 6, 5, Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others) 4, 3, 2, 1, Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Pembiayaan (Financing) 19,196 18,129 15,162 15,583 16,188 16,712 17,181 17,549 17,991 18,12 18,52 19,24 19,961 Piutang (Receivable) 161, , , , , , , , , , , ,617 45,649 Lain-lain (Others)

14 Gambar 1. Persentase B agi Hasil/Fee/Margin Pembiayaan Percentage o f Profit Sharing/Fee/Margin of Financing (%) Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others) 2-2 Apr- 6 May- 6 Jun-6 Jul-6 Aug- 6 Sep- 6 Oct- 6 Nov- 6 Dec- 6 Jan-7 Feb- 7 Mar- 7 Apr- 7 Pembiayaan (Financing) Piutang (Receivable) Lain-lain (Others)

15 Gambar 11. Komposisi Penggunaan dan Sumber Dana Composition of Uses and Source of Fund 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) % 17% 1% 17% 4% 79% Feb-27 51% Feb-27 31% % 18% 1% 16% 5% 77% 52% 31% Mar-27 Mar-27 % 17% 1% 11% 4% 58% 3% 79% Apr-27 Apr-27 12

16 Gambar 12. Rincian Beberapa Surat Berharga (Securities) Triliun Rp (Trilion IDRs) SWBI Sertifikat IMA (IMA Certificate) Obligasi Syariah (Sharia Obligations) Surat Berharga yang dimiliki (Securities) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Gambar 13. Persentase Bonus/Bagi Hasil Surat Berharga Percentage of Bonus/Profit Sharing Securities (%) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Persentase Bonus SWBI (% bonus SWBI-Av.) Persentase Bagi Hasil Sertifikat IMA (% profit sharing IMA Certificate-Av)) Persentase Bagi Hasil Obligasi Syariah (% profit sharing sharia obligation-av) Persentase Bagi Hasil Surat Berharga yang dimiliki (% profit sharing securities-av)

17 Gambar 14. Sumber Dana, Pembiayaan, dan FDR Source of Fund, Financing, and FDR Triliun Rupiah (Trillion IDRs) Pembiayaan yang diberikan (Fin. extended) Dana Pihak Ketiga (Deposit Fund) FDR (Financing to Deposit Ratio) 15% % 97.3% Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 5% Gambar 15. Pembiayaan dan PPAP Financing and Provision for Losses (PPAP) Triliun Rupiah (Trillion IDRs) 22. Pembiayaan yang diberikan (Fin. extended) 2. Provision for Losses (PPAP) Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 14

18 Tabel 8. Pembiayaan Non Lancar Non Performing Financings (NPFs)*) (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 Lancar Nilai (Amount) 16,65,281 17,685,31 18,582,911 18,69,948 18,468,31 18,895,184 Current Pangsa (Share) 91.43% 89.94% 9.89% 88.31% 88.7% 88.49% Dalam Perhatian Khusus Nilai (Amount) 789,38 969,362 89,78 1,259,833 1,157,95 1,147,535 Special Mention Pangsa (Share) 4.35% 4.93% 4.36% 6.16% 5.56% 5.37% Kurang Lancar Nilai (Amount) 275, , , , ,8 449,714 Sub-standard Pangsa (Share) 1.52% 2.2% 1.72% 1.62% 1.89% 2.11% Diragukan Nilai (Amount) 23,175 21,3 235, , , ,517 Doubtful Pangsa (Share) 1.12% 1.2% 1.15% 1.54% 1.28% 1.37% Macet Nilai (Amount) 289,48 373, , , , ,543 Loss Pangsa (Share) 1.59% 1.9% 1.87% 2.37% 2.57% 2.66% Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs 18,162,126 19,662,542 2,444,97 2,462,749 2,82,64 21,353, ,537 1,7,87 971,216 1,132,968 1,193,858 1,31, % 5.13% 4.75% 5.54% 5.73% 6.14% *) NPFs adalah Pembiayaan Non Lancar mulai dari Kurang Lancar sampai dengan Macet NPFs is Non Performing Financings which are composed from collectibility Sub-standard to Loss Gambar 16. Perkembangan Pembiayaan Non Lancar Development of Non Performing Financings (NPFs) Triliun Rupiah (Trillion IDRs) 3.99% Total Financing Nominal NPFs (Coll. 3-5) Percentage of NPFs 4.19% 4.23% 4.71% 5.8% 5.13% 5.7% 5.24% 4.75% 5.17% 5.54% 5.73% 6.14% 7% 6% 5% 4% % % Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 1% % 15

19 Gambar 17. Laba dan Rugi Tahun Berjalan Current Year Profits and Losses Apr Mar Feb Jan Dec Nov Oct-6 Sep Aug-6 Jul-6 Jun-6 May-6 Apr Laba tahun berjalan (Current year profit) Rugi tahun berjalan (Current year losses) Milyar Rupiah (Billion IDRs) Gambar 17. Rasio Keuangan ROA dan ROE ROA and ROE Financial Ratio 1% 5% 9% 8% ROA ROE 41.18% 41.81% 44.47% 45.59% 45% 4% 7% 36.94% 35% 6% 29.18% 31.46% 31.29% 3.3% 31.49% 31.56% 33.82% 3% 5% 28.9% 25% 4% 2% 3% 15% 2% 1% 1% 1.41% 1.43% 1.51% 1.47% 1.38% 1.41% 1.38% 1.44% 1.55% 1.69% 1.68% 1.75% 5% % Apr-6 May-6 Jun-6.64% Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 % 16

20 Gambar 18. Layanan Syariah Office Channeling 8 7 Jumlah Kantor (Number of Offices) Dana Pihak Ketiga (Deposits) Juta Rp (Milion IDRs) 4, 35, jumlah kantor (number of offices) , 25, 2, 15, 1, 1 5, Apr- 6 May- 6 Jun- 6 Jul- 6 Aug- 6 Sep- 6 Oct- 6 Nov- 6 Dec- 6 Jan- 7 Feb- 7 Mar- 7 Apr- 7 17

21 Tabel 9. 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 Volume of Transaction (Million IDRs) 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) Maturity (Days) Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%) 27 April 2-Apr Apr-7 15, Apr-7 2, Apr-7 25, , Apr-7 7, , , Apr-7 5, Apr Apr-7 3, , Apr-7 2, , Apr-7 25, Apr-7 34, , Apr-7 2, , Apr-7 1, , Apr-7 4, , Apr-7 1, , , Apr Apr Apr-7 3, Apr-7 1, Apr-7 1, ,

22 Gambar 19. Volume Transaksi PUAS Volume of PUAS Transaction 2,5 Volume of PUAS Transaction 2, Miliar Rp (Bilion IDRs) 1,5 1, 5 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Volume of PUAS Transaction Gambar 2. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI) 3,5 Outstanding SWBI/Aset 14.% 3, 12.% 2,5 1.% 2, 8.% 1,5 6.% 1, 4.% 5 2.% - Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Apr-7 Outstanding 1,171 1,92 1, ,117 1,46 1,19 1,547 2,357 2, SWBI/Aset 5.55% 4.98% 5.23% 3.81% 4.74% 4.3% 4.75% 6.7% 8.82% 9.88% 1.84% 11.69% 11.16%.% 19

23 Tabel 1. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Maret 27) Islamic Banks s Share to All Banks (position March 27) Nominal Islamic Banks Share Total Banks Total Assets % Deposit Fund % Credit/Financing extended % 8.37 FDR/LDR*) 95.14% 61.98% NPFS/NPL S*) 5.73% 6.4% *) FDR = Financing extended/deposit Fund LDR = Credit extended/deposit Fund Gambar 21. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Maret 27) Islamic Banks s Share to All Banks (position March 27) 3.% 2.5% 2.% 1.5% 1.%.5% Total Assets Deposit Fund Financing extended.% Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Dec-6 Jan-7 Feb-7 Mar-7 Total Assets 1.4% 1.44% 1.45% 1.49% 1.51% 1.52% 1.54% 1.56% 1.56% 1.58% 1.59% 1.63% 1.67% Deposit Fund 1.33% 1.36% 1.36% 1.41% 1.42% 1.44% 1.49% 1.53% 1.55% 1.61% 1.6% 1.64% 1.69% Financing extended 2.33% 2.44% 2.46% 2.54% 2.58% 2.62% 2.63% 2.66% 2.66% 2.58% 2.61% 2.61% 2.6% 2

24 Tabel 11. Kegiatan Usaha BPR Syariah (Juta Rupiah) Islamic Rural Banks Operations (Million IDRs) INDIKATOR (Indicator) Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 Penyaluran dana 669,77 814,19 1,414, , , ,341 Fund Disbursements Pembiayaan 577, ,384 1,192, , ,45 768,616 Financing Piutang Murabahah 417,182 51,88 927,27 545, , ,96 Murabahah Receivable Piutang salam 68,35 68,35 68,35 68,35 68,35 68,35 Salam Receivable Piutang Istishna 2,18 1,913 4,92 1,296 1,184 1,81 Istishna Receivable Pembiayaan Mudharabah 22,932 24,76 47,638 25,495 26,366 26,691 Mudharabah Financing Pembiayaan Mudharabah 49,289 59,279 18,568 67,16 69,94 73,464 Mudharabah Financing Ijarah 7,338 7,518 14,856 6,513 6,358 5,99 Ijarah Qardh 1,54 11,531 21,585 13,294 14,34 14,133 Qardh Antar Bank 91,753 13,87 222,56 194, ,63 174,725 Inter-Bank Sumber Dana 488,71 68,372 1,96, , , ,847 Source of Fund Dana Pihak ketiga 388, ,88 862, , , ,321 Third Party Funds Tabungan Wadiah 51,155 64, ,34 77,72 8,282 83,28 Wadiah Savings Accounts Tabungan Mudharabah 126, , ,991 17,12 17, ,479 Mudharabah Saving Accounts Deposito Mudharabah 21, , ,84 313,81 316, ,814 Mudharabah Investment Accounts Antar Bank Pasiva 62,343 86, ,89 12,772 16,336 15,539 Inter- Bank Pinjaman yang diterima 3,919 4,962 71,881 44,37 42,927 41,499 Loans Received Kewajiban lainnya 6,447 7,55 13,52 6,58 6,22 5,488 Other Liabilities Komponen modal Components Capital Modal disetor 128, , ,15 155, , ,48 Paid in Capital Cadangan 19,651 19,8 38,732 18,79 2,439 2,676 Reserves L/R Tahun Berjalan 7,941 17,544 25,485 4,57 5,439 7,399 Current Earning Profit/Loss L/R Tahun lalu (5,43) (6,266) (11,669) 9,219 3, Retained Earning Profit/Loss Total Aset 666,38 816,319 1,482,627 94, ,5 959,882 Total Assets 21

25 Tabel 12. BPR Syariah Berdasarkan Total Aset (Juta Rupiah) Islamic Rural Banks Based on Total Assets (Million IDRs) Total Aset Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 (Total Assets) < 1 Miliar s.d. 5 Miliar > 5 s.d. 1 Miliar > 1 Miliar Total Tabel 13. Jumlah Rekening and Persentase Pembiayaan Bermasalah BPR Syariah Number of Account and Percentage of Non Performing Financing Islamic Rural Banks Keterangan Jun-6 Sep-6 Dec-6 Feb-7 Mar-7 Apr-7 Jumlah Nasabah Pembiayaan 57,95 69,71 74,698 75,425 85,793 77,947 Number of Financing Account Jumlah Nasabah Dana Pihak Ketiga 252, , , ,258 31,589 33,2 Nomber of Account Source of Fund Pembiayaan Bermasalah 9.14% 9.38% 8.29% 9.29% 8.75% 9.54% Non Performing Financing Tabel 14. Pangsa BPR Syariah Terhadap Total BPR (posisi Maret 27) Islamic Rural Bank s Share to All Rural Banks ((position March 2 7) Islamic Rural Banks Nominal Share Total Rural Banks Total Assets % 24,572 Deposit Fund % 16,93 Credit/Financing extended % 18,65 NPF S /NPL S *) 8.75% 9.73% 22