Statistik Perbankan Syariah Islamic Banking Statistics

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1 Statistik Perbankan Syariah Islamic Banking Statistics DESEMBER 25 DECEMBER 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 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 Islam ic 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-5 Jun-5 Sep-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 Bank Tabungan Negara BPD NTB 8. BPD Kalbar 9. BPD Sumsel Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL Oct-5 Nov-5 Dec-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 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 5. Bank Permata Bank Tabungan Negara BPD NTB 8. BPD Kalbar 9. BPD Sumsel 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 - 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 Mar-5 Jun-5 Sep-5 Oct-5 Nov-5 Dec-5 ITEMS. Kas 95,634 95,42 83, ,89 245,98 224,87 Cash 2. Penempatan pada BI,282,45,52,64,422,364,25,97,48,544 3,79,82 Placement at Bank Indonesia 3. Penempatan pada bank lain 972, ,78,5,96,4, ,82,57,526 Inter-bank assets 4. Pembiayaan yang diberikan 2,959,34 4,27,38 4,753,299 5,2,483 4,959,224 5,23,942 Financing extended 5. Penyertaan 5,66 5,66 5,66 5,66 5,66 5,66 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (275,29) (344,778) (342,67) (355,55) (363,25) (36,675) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 23,92 2,924 23,29 25,294 24, ,756 Fixed assets and inventory 8. Rupa-rupa aktiva,5,86,6,22,66,467,9,268,27,66,25,2 Other assets J U M L A H 6,359,49 7,743,5 8,454,92 8,732,449 8,692,398 2,879,849 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-5 Jun-5 Sep-5 Oct-5 Nov-5 Dec-5 ITEMS. Giro wadiah,722,88,754,58,568,59,64,777,569,434 2,45,333 Wadiah-current accounts 2. Tabungan mudharabah 3,467,22 3,753,84 3,98,92 3,979,34 4,9,39 4,37,568 Mudharabah-saving accounts 3. Deposito mudharabah 7,68,775 7,849,66 7,88,894 8,,382 7,8,26 9,66,428 Mudharabah-investment accounts 4. Kewajiban terhadap BI 33,96 32,952 32,747 32,675 32,67 32,49 Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain 594, ,89,56,28,7,53 959, ,863 Inter-bank liabilities 6. Pembiayaan yang diterima 2,986 2,388 27,565 27,37 27,86 23,86 Received Financing 7. Kewajiban lainnya 45,587 22,56 54,93 97,486 93,47 28,96 Other payables 8. Setoran jaminan 2,2 8,664 24,34 24,557 29,82 24,536 Guarantee deposits 9. Antar Kantor Bersih,3,22,439,852,72,46,759,58,886,4,947,486 Interoffice net. Rupa-rupa pasiva 492,59 489,2 42,43 44, , ,349 Other liabilities. Modal disetor 735,98 96,972,,528,,528 95,224 95,224 Paid-in capital 2. Perkiraan tambahan modal disetor (866) 32,992 32,992 32,992 32,992 32,498 Additional paid-in capital account 3. Cadangan 98,733 23, 23,28 23,28 23,28 23,28 Reserves 4. Laba/rugi 98,74 24,42 22,2 4,43 58,489 62,25 Profit/Loss a. Tahun-tahun lalu 27,2 (76,389) (76,39) (76,39) (76,39) (76,389) Previous years i. Laba 24,73 2,369 2,368 2,368 2,368 2,368 Profit ii. Rugi -/- (87,52) (88,758) (88,758) (88,758) (88,758) (88,757) Loss b. Tahun berjalan 7,963,53 98,6 26,82 234, ,639 Current year i. Laba 5, 33,9 463,748 58,44 54, ,86 Profit ii. Rugi -/- (8,37) (22,66) (265,47) (29,584) (36,449) (323,447) Loss J U M L A H 6,359,49 7,743,5 8,454,92 8,732,449 8,692,398 2,879,849 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%.7% % 8% 6% 4% %.27%.89% 2.32% 2.9%.56%.2%.5% -.22% 2% %. Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5-2% Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trilyun Rupiah (Trillion IDRs) 8. Giro Wadiah (Wadiah-cur. acc.) 6. Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Pembiayaan yang diterima (Received financing) Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 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-5 Jun-5 Sep-5 Oct-5 Nov-5 Dec-5 Giro Wadiah Nilai (Amount),722,88,754,58,568,59,64,777,569,434 2,45,333 Wadiah currency account Pangsa (Share) 4.5% 3.4%.74%.8%.64% 3.3% Tabungan Mudharabah Nilai (Amount) 3,467,22 3,753,84 3,98,92 3,979,34 4,9,39 4,37,568 Mudharabah saving account Pangsa (Share) 28.28% 28.% 29.26% 29.29% 3.46% 28.5% Deposito Mudharabah Nilai (Amount) 7,68,775 7,849,66 7,88,894 8,,382 7,8,26 9,66,428 Mudharabah investment account Pangsa (Share) 57.66% 58.76% 59.% 58.9% 57.9% 58.83% Total 2,258,83 3,357,524 3,357,973 3,585,499 3,488,779 5,582,329 Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) 22. Pembiayaan yang diberikan (Fin. extended) Penempatan pada bank lain (Inter bk assets) 6. Penempatan pada BI (Plcment at BI) Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 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-5 Jun-5 Sep-5 Oct-5 Nov-5 Dec-5 Pembiayaan Musyarakah Nilai (Amount),553,52,787,774,83,76,895,78,87,52,898,389 Musharakah Financing Pangsa (Share).99% 2.53% 2.4% 2.54% 2.5% 2.46% Pembiayaan Mudharabah Nilai (Amount) 2,37,97 2,744,62 3,4,3 3,4,335 3,8,63 3,23,759 Mudharabah Financing Pangsa (Share) 8.29% 9.23% 2.36% 2.77% 2.78% 2.5% Piutang Murabahah Nilai (Amount) 8,47,398 9,55,843 9,3,948 9,383,94 9,285,973 9,487,38 Murabahah Receivable Pangsa (Share) 65.36% 64.6% 63.% 62.5% 62.8% 62.29% Piutang Salam Nilai (Amount) Salam Receivable Pangsa (Share).%.%.%.%.%.% Piutang Istishna' Nilai (Amount) 298,732 3, ,86 295,66 28,527 28,676 Istishna' Receivable Pangsa (Share) 2.3% 2.% 2.%.96%.88%.85% Lainnya Nilai (Amount) 266,593 28,58 3,99 46,676 43,49 44,8 Others Pangsa (Share) 2.6%.97% 2.% 2.69% 2.76% 2.89% Total 2,959,34 4,27,38 4,753,299 5,2,483 4,959,224 5,23,942 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) % 7% 6% 2% 2% 57% 29% 87% Okt-25 Okt-25 % 9% 5% 2% % 57% 3% 86% Nov-25 Nov-25 % 6% % 3% 5% 58% 28% 79% Des-25 Des-25 8

10 Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Trilyun Rupiah (Trillion IDRs) 8. Pembiayaan yang diberikan (Fin. extended) 6. FDR (Financing to Deposit Ratio) Dana Pihak Ketiga (Deposit Fund) 5% % 97.75% % Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 5% Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trilyun Rupiah (Trillion IDRs) 8. Pembiayaan yang diberikan (Fin. extended) Provision for Losses (PPAP) Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 9

11 Tabel 6. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Isl amic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Mar-5 Jun-5 Sep-5 Oct-5 Nov-5 Dec-5 Lancar Nilai (Amount) 2,37,878 3,9,586 3,46,74 3,768,739 3,529,582 4,26,732 Current Pangsa (Share) 93.66% 9.74% 9.94% 9.5% 9.44% 92.9% Dalam Perhatian Khusus Nilai (Amount) 462, ,667 64,87 723,694 83,24 776, Special Mention Pangsa (Share) 3.57% 4.4% 4.34% 4.79% 5.44% 5.% Kurang Lancar Nilai (Amount) 47,7 287,52 32,75 32, ,379 2,578 Sub-standard Pangsa (Share).3% 2.% 2.8% 2.7%.83%.32% Diragukan Nilai (Amount) 8,837,454 4,686 76,664,666 73,64 Doubtful Pangsa (Share).62%.7%.95%.5%.68%.48% Macet Nilai (Amount) 3,292 6,62 233, ,652 24,393 55,368 Loss Pangsa (Share).%.2%.59%.58%.6%.2% Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs 2,959,34 4,27,38 4,753,299 5,2,483 4,959,224 5,23, ,36 549,28 696,48 629,5 66, , 2.77% 3.85% 4.72% 4.6% 4.2% 2.82% *) 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-5 Oct Sep Aug Jul Jun-5 May Apr Mar Feb-5 Jan Laba tahun berjalan (Current year profit) Rugi tahun berjalan (Current year losses) Dec Milyar 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 25 Desember 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 (%) 9-Dec-5 3, , , , , Dec-5 4, , , , , , Dec-5 2, , , , , , , , Dec-5 8, , , , , , , , , Dec-5 2, , , , , , , Dec-5 2, , , , , , , , , , Dec-5 2, , , Dec , Dec-5 5, , , , Dec-5 25,

13 Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction 8 7 Milyar Rupiah (Billion IDRs) Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Series 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 - Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Outstanding, ,395 2

14 Tabel 8. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 25) Islamic Banks s Share to All Banks (position November 25) Nominal Islamic Banks Share Total Banks Total Assets % Deposit Fund % 9.33 Credit/Financing extended % LDR/FDR*) 97.75% 62.88% NPL 2.82% 7.8% *) 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-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Jun-5 Jul-5 Aug-5 Sep-5 Oct-5 Nov-5 Dec-5 Total Assets.2%.22%.23%.28%.3%.3%.32%.32%.3%.3%.32%.3%.46% Deposit Fund.23%.25%.24%.28%.3%.3%.32%.3%.3%.24%.27%.24%.43% Cr/Fin ext.93% 2.% 2.4% 2.22% 2.27% 2.28% 2.27% 2.25% 2.22% 2.7% 2.2% 2.8% 2.22% 3