Statistik Perbankan Syariah Islamic Banking Statistics

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1 Statistik Perbankan Syariah Islamic Banking Statistics NOVEMBER 26 NOVEMBER Direktorat Perbankan Syariah

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 Tabel 6. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi 7 Financing of Islamic Banks based on Economic Sector Tabel 7. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi 8 Financing of Islamic Banks based on Type of Use Tabel 8. Pembiayaan Perbankan Syariah Berdasarkan Golongan Pembiayaan 8 Financing of Islamic Banks based on Type of Financing Gambar 4. Komposisi Penggunaan dan Sumber Dana Perbankan Syariah 9 Composition of Uses and Sources of Fund of Islamic Banks Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Tabel 9. NPFs Perbankan Syariah Gambar 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. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) 2 Transaction of Islamic Interbank Money M arket (PUAS) Gambar 8. Volume Transaksi PUAS 3 Volume of PUAS Transaction Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) 3 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel. Pangsa Perbankan Syariah Terhadap Total Bank 4 Islamic Banks s Share to All Banks Gambar. Pangsa Perbankan Syariah Terhadap Total Bank 4 Islamic Banks s Share to All Banks

3 Tabel. Jaringan Kantor Perbankan Syariah Networking of Islamic Banks Dec-5 Mar-6 Jun-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 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 3. BPD Riau 2 2. BPD Kalsel PT Bank Niaga BPD Sumut BPD Aceh 5. Bank Permata Bank Tabungan Negara BPD NTB 8. BPD Kalbar 9. BPD Sumsel Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL Sep-6 Oct-6 Nov-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 PT Bank Muamalat Indonesia*) PT Bank Syariah Mandiri*) PT Bank Syariah Mega Indonesia Unit Usaha Syariah Islamic Banking Unit PT Bank IFI 2. 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 PT Bank Niaga BPD Sumut BPD Aceh 2 5. Bank Permata Bank Tabungan Negara BPD NTB 8. BPD Kalbar 9. BPD Sumsel 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 2

4 Tabel 2. Aset Perbankan Syariah (Juta Rupiah) Assets of Islamic Banks (Million IDRs) KETERANGAN Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 ITEMS. Kas 224,87 24, ,62 296,77 46,28 32,67 Cash 2. Penempatan pada BI 3,79,82 2,9,496 2,236, 2,234,67 2,47,99 2,84,82 Placement at Bank Indonesia 3. Penempatan pada bank lain,57, , ,2 9,533 98,652 77,929 Inter-bank assets 4. Pembiayaan yang diberikan 5,23,942 5,996,948 8,62,26 9,662,542 2,87,984 2,39,42 Financing extended 5. Penyertaan 5,66 5,66 5,66 5,66 5,66 5,66 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (36,675) (356,885) (428,454) (57,93) (547,236) (566,) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 235,756 25, ,3 26,844 26,35 262,366 Fixed assets and inventory 8. Rupa-rupa aktiva,25,2,36,425,383,974,455,442,5,324,488,323 Other assets J U M L A H 2,879,849 2,545,995 22,7,82 24,33,55 25,56,4 25,488,349 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 Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 ITEMS. Giro wadiah 2,45,333 2,257,372 2,657,588 2,747,786 2,824,2 2,846,84 Wadiah-current accounts 2. Tabungan mudharabah 4,37,568 4,5,2 4,97,785 5,64,59 5,749,437 5,844,672 Mudharabah-saving accounts 3. Deposito mudharabah 9,66,428 8,97,33 8,83,355 9,623,3,282,438,655,678 Mudharabah-investment accounts 4. Kewajiban terhadap BI 32,49 32,397 32,366 32,346 32,328 32,324 Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain 979, ,78,86,26,25,8 948,839 84,354 Inter-bank liabilities 6. Pembiayaan yang diterima 23,86 94,79 9,439 85,387 85,64 85,786 Received Financing 7. Kewajiban lainnya 28,96 2,68 272, ,4 322,49 29,53 Other payables 8. Setoran jaminan 24,536 24,534 2,44 9,425 2,657 2,85 Guarantee deposits 9. Antar Kantor Bersih,947,486 2,322,837 2,666,96 2,652,489 2,566,27 2,597,5 Interoffice net. Rupa-rupa pasiva 424, , ,8 4,424 4,48 43,88 Other liabilities. Modal disetor 95,224 95,224 95,224 95,224 99,224 99,224 Paid-in capital 2. Perkiraan tambahan modal disetor 32,498 32,498 95,224 95,224 99,224 99,224 Additional paid-in capital account 3. Cadangan 23,28 23,2 268,43 268,4 268,4 268,4 Reserves 4. Laba/rugi 62,25 25, 4,62 236,889 37, ,963 Profit/Loss a. Tahun-tahun lalu (76,389) 68,95 (24,53) (24,548) 27,457 27,456 Previous years i. Laba 2,368 27,65 78,5 78,5 78,6 78,5 Profit ii. Rugi -/- (88,757) (2,97) (2,663) (2,663) (5,659) (5,659) Loss b. Tahun berjalan 238,639 8,96 65,34 26, ,8 32,57 Current year i. Laba 562,86 85,74 386,22 68, , ,838 Profit ii. Rugi -/- (323,447) (3,68) (22,78) (356,957) (43,577) (453,33) Loss J U M L A H 2,879,849 2,545,995 22,7,82 24,33,55 25,56,4 25,488,349 Total Liabilities and Equity 4

6 Gambar. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) % Aset (Assets) Perkembangan Aset (Assets Growth) 4% 2% % % 6% 2.65% 3.85% 3.6% 3.65% 3.2% 4% 3.3% 2% -.22%.42%.7%.73% -.6% % -.4% -2% -4% Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trilyun Rupiah (Trillion IDRs) 2. Giro Wadiah (Wadiah-cur. acc.) 8. Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Pembiayaan yang diterima (Received financing) Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 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 Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 Giro Wadiah Nilai (Amount) 2,45,333 2,257,372 2,657,588 2,747,786 2,824,2 2,846,84 Wadiah currency account Pangsa (Share) 3.3% 5.9% 6.7% 5.29% 4.98% 4.7% Tabungan Mudharabah Nilai (Amount) 4,37,568 4,5,2 4,97,785 5,64,59 5,749,437 5,844,672 Mudharabah saving account Pangsa (Share) 28.5% 3.% 3.26% 3.8% 3.49% 3.2% Deposito Mudharabah Nilai (Amount) 9,66,428 8,97,33 8,83,355 9,623,3,282,438,655,678 Mudharabah investment account Pangsa (Share) 58.83% 54.8% 53.57% 53.53% 54.53% 55.8% Total 5,582,329 4,955,76 6,432,728 7,975,58 8,856,85 9,347,54 Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) Penyertaan (Eq. participation) 26. Pembiayaan yang diberikan (Fin. extended) 24. Penempatan pada bank lain (Inter bk assets) 22. Penempatan pada BI (Plcment at BI) Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 6

8 Tabel 5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah) Composition of Financing of Islamic Banks (Million IDRs) RINCIAN PEMBIAYAAN YANG DIBERIKAN Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 ITEMS OF FINANCING Pembiayaan Musyarakah Nilai (Amount),898,389 2,5,52 2,99,22 2,336,7 2,34,342 2,327,692 Musharakah Financing Pangsa (Share) 2.46% 2.54%.56%.88%.65%.42% Pembiayaan Mudharabah Nilai (Amount) 3,23,759 3,28,95 3,56,848 3,842,979 3,949,879 3,966,93 Mudharabah Financing Pangsa (Share) 2.5% 2.6% 9.6% 9.54% 9.66% 9.45% Piutang Murabahah Nilai (Amount) 9,487,38 9,98,242,778,333 2,449, 2,628,938 2,857,789 Murabahah Receivable Pangsa (Share) 62.29% 62.39% 64.85% 63.3% 62.87% 63.5% Piutang Salam Nilai (Amount) Salam Receivable Pangsa (Share).%.%.%.%.%.% Piutang Istishna' Nilai (Amount) 28, ,79 293,359 33,44 34,37 346,85 Istishna' Receivable Pangsa (Share).85%.8%.62%.54%.56%.7% Lainnya Nilai (Amount) 44,8 52,2 43,464 73,5 854, ,56 Others Pangsa (Share) 2.89% 3.2% 2.37% 3.72% 4.25% 4.38% Total 5,23,942 5,996,948 8,62,26 9,662,542 2,87,984 2,39,42 Tabel 6. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing of Islamic Banks based On Economic Sector (Million IDRs) SEKTOR EKONOMI ECONOMIC SECTOR Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 687,28 633, , , ,25 724,68 Agriculture, forestry and agricultural facilities Pangsa (Share) 4.5% 3.96% 3.74% 3.74% 3.65% 3.55% Pertambangan Nilai (Amount) 395,43 434,97 792, ,25 56,2 54,87 Mining Pangsa (Share) 2.59% 2.7% 4.37% 3.68% 2.52% 2.52% Perindustrian Nilai (Amount) 933, ,423,7,45,43,957,6,23 996,72 Manufacturing Pangsa (Share) 6.% 5.8% 5.6% 5.3% 5.% 4.89% Listrik, gas dan air Nilai (Amount) 66,82 9,452 9,478 9,85 54,3 5,68 Water, gas and electricity Pangsa (Share).43%.68%.5%.46%.27%.25% Konstruksi Nilai (Amount),548,5,554,899,745,624,97,4,869,849,837,927 Constuction Pangsa (Share).4% 9.72% 9.6% 9.75% 9.3% 9.% Perdagangan, restoran dan hotel Nilai (Amount),75,8,896,59 2,229,78 2,55,78 2,74,257 2,94,65 Trade, restaurants and hotels Pangsa (Share).24%.85% 2.28% 2.98% 3.46% 4.42% Pengangkutan, pergudangan dan komunikasi Nilai (Amount),26,78,25,6,343,38,33,252,246,75,92,689 Transport, cargo storage and commnucation Pangsa (Share) 8.26% 7.8% 7.4% 6.77% 6.2% 5.85% Jasa dunia usaha Nilai (Amount) 4,53,98 4,735,434 5,247,693 5,74,3 5,27,985 5,244,48 Business Services Pangsa (Share) 29.49% 29.6% 28.89% 25.8% 26.24% 25.72% Jasa sosial/masyarakat Nilai (Amount),28,65,23,224,367,877,42,699,497,662,59,482 Social Services Pangsa (Share) 7.9% 7.52% 7.53% 7.3% 7.46% 7.45% Lain-lain Nilai (Amount) 2,95,5 3,25,844 3,647,89 4,79,859 5,98,596 5,369,59 Others Pangsa (Share) 9.33% 2.32% 2.9% 24.37% 25.88% 26.33% Total 5,27,433 5,996,948 8,62,26 9,662,542 2,87,984 2,39,42 7

9 Tabel 7.Pembiayaan Perbankan Syariah Berdasarkan Jenis Penggunaan (Juta Rupiah) Financing of Islamic Banks based On Type of Use (Million IDRs) JENIS PENGGUNAAN TYPE OF USE Dec-5 Mar-6 Sep-6 Nov-6 Modal Kerja Nilai (Amount) 7,988,8 8,65,5 9,62,457,329,8,452,262,659,638 Working Capital Pangsa (Share) 52.3% 5.4% 52.98% 52.54% 52.3% 52.28% Investasi Nilai (Amount) 4,287,79 4,56,474 4,875,94 4,53,568 4,463,443 4,387,765 Investment Pangsa (Share) 28.8% 28.5% 26.85% 23.4% 22.22% 2.52% Konsumsi Nilai (Amount) 2,994,635 3,27,423 3,664,728 4,82,64 5,72,279 5,344,7 Jun-6 Oct-6 Consumption Pangsa (Share) 9.6% 2.44% 2.8% 24.42% 25.75% 26.2% Total 5,27,433 5,996,948 8,62,26 9,662,542 2,87,984 2,39,42 Tabel 8. Pembiayaan Perbankan Syariah Berdasarkan Golongan Pembiayaan (Juta Rupiah) Financing of Islamic Banks based On Type of Financing (Million IDRs) GOLONGAN PEMBIAYAAN Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 TYPE OF FINANCING Usaha Kecil dan Menengah Nilai (Amount),96,282,75,48 2,26,529 3,743, 4,43,998 4,586,595 Small and Medium Business Pangsa (Share) 66.77% 66.98% 67.26% 69.89% 7.84% 7.53% Bukan Usaha Kecil dan Menengah Nilai (Amount) 5,74,5 5,28,8 5,945,597 5,99,43 5,655,986 5,84,825 Non Small and Medium Business Pangsa (Share) 33.23% 33.2% 32.74% 3.% 28.6% 28.47% Total 5,27,433 5,996,948 8,62,26 9,662,542 2,87,984 2,39,42 8

10 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) % % 4% % 5% 53% 3% 86% Sept-26 Sept-26 % % 4% % 5% 86% 54% 3% Oct-26 Oct-26 % 2% 3% % 5% 54% 3% 85% Nov-26 Nov-26 9

11 Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Trilyun Rupiah (Trillion IDRs) Pembiayaan yang diberikan (Fin. extended) FDR (Financing to Deposit Ratio) Dana Pihak Ketiga (Deposit Fund) 5% % 5.4% % Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 5% Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trilyun Rupiah (Trillion IDRs) 22. Pembiayaan yang diberikan (Fin. extended) Provision for Losses (PPAP) Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6

12 Tabel 9. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Dec-5 Mar-6 Jun-6 Sep-6 Oct-6 Nov-6 Lancar Nilai (Amount) 4,26,732 4,363,2 6,65,28 7,685,3 8,48,887 8,349,6 Current Pangsa (Share) 92.9% 89.79% 9.43% 89.94% 89.85% 89.99% Dalam Perhatian Khusus Nilai (Amount) 776, 95, ,38 969,362,9, ,933 Special Mention Pangsa (Share) 5.% 5.94% 4.35% 4.93% 5.8% 4.78% Kurang Lancar Nilai (Amount) 2,578 36, ,34 432,676 44,865 48,88 Sub-standard Pangsa (Share).32% 2.26%.52% 2.2% 2.7% 2.% Diragukan Nilai (Amount) 73,64 23,436 23,75 2,3 86,845 27,3 Doubtful Pangsa (Share).48%.77%.2%.2%.93%.2% Macet Nilai (Amount) 55,368 98, ,48 373,894 47, ,498 Loss Pangsa (Share).2%.24%.59%.9% 2.8% 2.22% Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs 5,23,942 5,996,948 8,62,26 9,662,542 2,87,984 2,39,42 429, 683, ,537,7,87,9,453,67, % 4.27% 4.23% 5.3% 5.7% 5.24% *) 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 Nov Oct Sep Aug Jul Jun May-6 Apr-6 Mar Laba tahun berjalan (Current year profit) Rugi tahun berjalan (Current year losses) Feb Jan Dec-5 Nov Milyar Rupiah (Billion IDRs)

13 Tabel. 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) Nisbah Bagi Hasil untuk Bank Penanam Dana (K) Maturity (Days) Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%) 26 November -Nov-6 8, , , Nov-6 5, , , Nov-6 2, , , Nov-6, , , , Nov-6 2, , , Nov-6 4, , , Nov-6, , , Nov-6, , Nov-6, Nov-6 6, , , , Nov-6 8, , , , , , , Nov-6 5, , Nov-6 4, Nov-6 3, , , , Nov-6 7, , , Nov-6, , , Nov-6 4, , , Nov-6 5, , Nov-6 2, , Nov-6 7, , , , , , , Nov-6 7, , Nov-6 3, , ,

14 Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction 25 2 Milyar Rupiah (Billion IDRs) 5 5 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Volume of PUAS Transaction Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI) 3, 2,5 Milyar Rupiah (Billion IDRs) 2,,5, 5 - Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Nov-6 SWBI/Aset 2.85%.47%.47% 8.29% 5.59% 5.55% 4.98% 5.23% 3.8% 4.74% 4.3% 4.75% 6.7% Outstanding 532 2,395 2,56,696,48,7,92, ,7,46,9,547 3

15 Tabel. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Oktober 26) Islamic Banks s Share to All Banks (position October 26) Nominal Islamic Banks Share Total Banks Total Assets % 65.6 Deposit Fund % Credit/Financing extended % FDR/LDR*) 6.53% 6.2% NPFS/NPLS*) 5.7% 8.25% *) FDR = Financing extended/deposit Fund LDR = Credit extended/deposit Fund Gambar. Pangsa Perbankan Syariah Terhadap Total Bank (posisi Oktober 26) Islamic Banks s Share to All Banks (position October 26) 3.% 2.5% 2.%.5%.%.5%.% Oct-5 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Oct-5 Nov-5 Dec-5 Jan-6 Feb-6 Mar-6 Apr-6 May-6 Jun-6 Jul-6 Aug-6 Sep-6 Oct-6 Total Assets.32%.3%.42%.4%.4%.4%.44%.45%.49%.5%.52%.54%.56% Deposit Fund.27%.24%.38%.36%.32%.33%.36%.36%.4%.42%.44%.49%.53% Financing extended 2.2% 2.8% 2.9% 2.22% 2.26% 2.33% 2.44% 2.46% 2.54% 2.58% 2.62% 2.63% 2.66% 4