Statistik Perbankan Syariah Islamic Banking Statistics

Transkripsi

1 Statistik Perbankan Syariah Islamic Banking Statistics DESEMBER 2006 DECEMBER Direktorat Perbankan Syariah

2 DAFTAR ISI CONTENTS Tabel 1. 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 1. 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 10 Sources of Fund, Financing, and FDR of Islamic Banks Gambar 6. Pembiayaan dan PPAP Perbankan Syariah 10 Financing and Provision for Losses (PPAP) of Islamic Banks Tabel 9. NPFs Perbankan Syariah Gambar 11 Non Performing Financings (NPFs) of Islamic Banks Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah 11 Current Year Profits and Losses of Islamic Banks Tabel 10. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) 12 Transaction of Islamic Interbank Money Market (PUAS) Gambar 8. Volume Transaksi PUAS 13 Volume of PUAS Transaction Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) 13 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel 11. Pangsa Perbankan Syariah Terhadap Total Bank 14 Islamic Banks s Share to All Banks Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank 14 Islamic Banks s Share to All Banks 1

3 Tabel 1. Jaringan Kantor Perbankan Syariah Networking of Islamic Banks Mar-06 Jun-06 Sep-06 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 PT Bank DKI BPD Riau BPD Kalsel PT Bank Niaga BPD Sumut BPD Aceh Bank Permata Bank Tabungan Negara BPD NTB BPD Kalbar BPD Sumsel BPD Kaltim Bank Perkreditan Rakyat Syariah Islamic Rural Banks TOTAL Oct-06 Nov-06 Dec-06 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 Sumut BPD Aceh Bank Permata Bank Tabungan Negara BPD NTB BPD Kalbar BPD Sumsel BPD Kaltim 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 Mar-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 ITEMS 1. Kas 240, , , , , ,114 Cash 2. Penempatan pada BI 2,091,496 2,236,101 2,234,167 2,407,990 2,804,821 3,640,734 Placement at Bank Indonesia 3. Penempatan pada bank lain 956, , , , , ,377 Inter-bank assets 4. Pembiayaan yang diberikan 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 20,444,907 Financing extended 5. Penyertaan 5,660 5,660 5,660 5,660 5,660 5,660 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (356,885) (428,454) (507,931) (547,236) (566,001) (514,724) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 251, , , , , ,397 Fixed assets and inventory 8. Rupa-rupa aktiva 1,360,425 1,383,974 1,455,442 1,501,324 1,488,323 1,495,482 Other assets J U M L A H 20,545,995 22,700,820 24,313,155 25,056,041 25,488,349 26,722,030 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-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 ITEMS 1. Giro wadiah 2,257,372 2,657,588 2,747,786 2,824,210 2,846,804 3,415,747 Wadiah-current accounts 2. Tabungan mudharabah 4,501,201 4,971,785 5,604,591 5,749,437 5,844,672 6,430,355 Mudharabah-saving accounts 3. Deposito mudharabah 8,197,133 8,803,355 9,623,131 10,282,438 10,655,678 10,826,079 Mudharabah-investment accounts 4. Kewajiban terhadap BI 32,397 32,366 32,346 32,328 32,324 32,319 Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain 842,780 1,186,126 1,125, , , ,991 Inter-bank liabilities 6. Pembiayaan yang diterima 194, , , , , ,625 Received Financing 7. Kewajiban lainnya 210, , , , , ,938 Other payables 8. Setoran jaminan 24,534 21,414 19,425 21,657 20,851 25,126 Guarantee deposits 9. Antar Kantor Bersih 2,322,837 2,666,960 2,652,489 2,566,271 2,597,150 2,365,712 Interoffice net 10. Rupa-rupa pasiva 398, , , , , ,790 Other liabilities 11. Modal disetor 951, , , , , ,224 Paid-in capital 12. Perkiraan tambahan modal disetor 132, , , , , ,224 Additional paid-in capital account 13. Cadangan 230, , , , , ,040 Reserves 14. Laba/rugi 250, , , , , ,503 Profit/Loss a. Tahun-tahun lalu 168,195 (24,513) (24,548) 27,457 27,456 27,456 Previous years i. Laba 271,165 78,150 78,115 78,116 78,115 78,115 Profit ii. Rugi -/- (102,970) (102,663) (102,663) (50,659) (50,659) (50,659) Loss b. Tahun berjalan 81, , , , , ,047 Current year i. Laba 185, , , , , ,598 Profit ii. Rugi -/- (103,168) (221,078) (356,957) (413,577) (453,331) (459,551) Loss J U M L A H 20,545,995 22,700,820 24,313,155 25,056,041 25,488,349 26,722,030 Total Liabilities and Equity 4

6 Gambar 1. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) % Aset (Assets) Perkembangan Aset (Assets Growth) 14% 12% 10% % 6% 3.85% 4.84% 4% 2.65% 3.65% 3.06% 3.13% 3.12% 1.73% 2% 0.42% 0.71% 0% -0.61% -1.41% -2% -4% Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trilyun Rupiah (Trillion IDRs) Giro Wadiah (Wadiah-cur. acc.) Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Pembiayaan yang diterima (Received financing)

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-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 Giro Wadiah Nilai (Amount) 2,257,372 2,657,588 2,747,786 2,824,210 2,846,804 3,415,747 Wadiah currency account Pangsa (Share) 15.09% 16.17% 15.29% 14.98% 14.71% 16.52% Tabungan Mudharabah Nilai (Amount) 4,501,201 4,971,785 5,604,591 5,749,437 5,844,672 6,430,355 Mudharabah saving account Pangsa (Share) 30.10% 30.26% 31.18% 30.49% 30.21% 31.11% Deposito Mudharabah Nilai (Amount) 8,197,133 8,803,355 9,623,131 10,282,438 10,655,678 10,826,079 Mudharabah investment account Pangsa (Share) 54.81% 53.57% 53.53% 54.53% 55.08% 52.37% Total 14,955,706 16,432,728 17,975,508 18,856,085 19,347,154 20,672,181 Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) Penyertaan (Eq. participation) Pembiayaan yang diberikan (Fin. extended) Penempatan pada bank lain (Inter bk assets) Penempatan pada BI (Plcment at BI)

8 Tabel 5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah) Composition of Financing of Islamic Banks (Million IDRs) RINCIAN PEMBIAYAAN YANG DIBERIKAN Mar-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 ITEMS OF FINANCING Pembiayaan Musyarakah Nilai (Amount) 2,005,520 2,099,122 2,336,017 2,340,342 2,327,692 2,334,751 Musharakah Financing Pangsa (Share) 12.54% 11.56% 11.88% 11.65% 11.42% 11.42% Pembiayaan Mudharabah Nilai (Amount) 3,208,905 3,560,848 3,842,979 3,949,879 3,966,193 4,062,200 Mudharabah Financing Pangsa (Share) 20.06% 19.61% 19.54% 19.66% 19.45% 19.87% Piutang Murabahah Nilai (Amount) 9,981,242 11,778,333 12,449,101 12,628,938 12,857,789 12,624,241 Murabahah Receivable Pangsa (Share) 62.39% 64.85% 63.31% 62.87% 63.05% 61.75% Piutang Salam Nilai (Amount) Salam Receivable Pangsa (Share) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Piutang Istishna' Nilai (Amount) 289, , , , , ,970 Istishna' Receivable Pangsa (Share) 1.81% 1.62% 1.54% 1.56% 1.70% 1.65% Lainnya Nilai (Amount) 512, , , , ,561 1,086,745 Others Pangsa (Share) 3.20% 2.37% 3.72% 4.25% 4.38% 5.32% Total 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 20,444,907 Tabel 6. Pembiayaan Perbankan Syariah Berdasarkan Sektor Ekonomi (Juta Rupiah) Financing of Islamic Banks based On Economic Sector (Million IDRs) SEKTOR EKONOMI ECONOMIC SECTOR Mar-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 Pertanian, kehutanan dan sarana pertanian Nilai (Amount) 633, , , , , ,044 Agriculture, forestry and agricultural facilities Pangsa (Share) 3.96% 3.74% 3.74% 3.65% 3.55% 3.43% Pertambangan Nilai (Amount) 434, , , , , ,581 Mining Pangsa (Share) 2.71% 4.37% 3.68% 2.52% 2.52% 1.83% Perindustrian Nilai (Amount) 929,423 1,017,145 1,043,957 1,006, , ,713 Manufacturing Pangsa (Share) 5.81% 5.60% 5.31% 5.01% 4.89% 4.60% Listrik, gas dan air Nilai (Amount) 109,452 91,478 90,815 54,113 51,068 17,158 Water, gas and electricity Pangsa (Share) 0.68% 0.50% 0.46% 0.27% 0.25% 0.08% Konstruksi Nilai (Amount) 1,554,899 1,745,624 1,917,401 1,869,849 1,837,927 1,637,027 Constuction Pangsa (Share) 9.72% 9.61% 9.75% 9.31% 9.01% 8.01% Perdagangan, restoran dan hotel Nilai (Amount) 1,896,059 2,229,781 2,551,781 2,704,257 2,940,605 3,041,050 Trade, restaurants and hotels Pangsa (Share) 11.85% 12.28% 12.98% 13.46% 14.42% 14.87% Pengangkutan, pergudangan dan komunikasi Nilai (Amount) 1,250,160 1,343,318 1,331,252 1,246,075 1,192,689 1,165,429 Transport, cargo storage and commnucation Pangsa (Share) 7.81% 7.40% 6.77% 6.20% 5.85% 5.70% Jasa dunia usaha Nilai (Amount) 4,735,434 5,247,693 5,074,300 5,270,985 5,244,418 5,457,711 Business Services Pangsa (Share) 29.60% 28.89% 25.81% 26.24% 25.72% 26.69% Jasa sosial/masyarakat Nilai (Amount) 1,203,224 1,367,877 1,402,699 1,497,662 1,519,482 1,456,391 Social Services Pangsa (Share) 7.52% 7.53% 7.13% 7.46% 7.45% 7.12% Lain-lain Nilai (Amount) 3,250,844 3,647,891 4,790,859 5,198,596 5,369,591 5,654,803 Others Pangsa (Share) 20.32% 20.09% 24.37% 25.88% 26.33% 27.66% Total 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 20,444,907 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 Sep-06 Nov-06 Dec-06 Modal Kerja Nilai (Amount) 8,165,051 9,621,457 10,329,810 10,452,262 10,659,638 10,405,176 Working Capital Pangsa (Share) 51.04% 52.98% 52.54% 52.03% 52.28% 50.89% Investasi Nilai (Amount) 4,561,474 4,875,941 4,530,568 4,463,443 4,387,765 4,373,729 Investment Pangsa (Share) 28.51% 26.85% 23.04% 22.22% 21.52% 21.39% Konsumsi Nilai (Amount) 3,270,423 3,664,728 4,802,164 5,172,279 5,344,017 5,666,002 Jun-06 Oct-06 Consumption Pangsa (Share) 20.44% 20.18% 24.42% 25.75% 26.21% 27.71% Total Mar-06 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 20,444,907 Tabel 8. Pembiayaan Perbankan Syariah Berdasarkan Golongan Pembiayaan (Juta Rupiah) Financing of Islamic Banks based On Type of Financing (Million IDRs) GOLONGAN PEMBIAYAAN TYPE OF FINANCING Mar-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 Usaha Kecil dan Menengah Nilai (Amount) 10,715,148 12,216,529 13,743,111 14,431,998 14,586,595 14,872,179 Small and Medium Business Pangsa (Share) 66.98% 67.26% 69.89% 71.84% 71.53% 72.74% Bukan Usaha Kecil dan Menengah Nilai (Amount) 5,281,800 5,945,597 5,919,431 5,655,986 5,804,825 5,572,728 Non Small and Medium Business Pangsa (Share) 33.02% 32.74% 30.11% 28.16% 28.47% 27.26% Total 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 20,444,907 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) 0% 10% 4% 1% 15% 54% 30% 86% Oct-2006 Oct % 12% 3% 1% 15% 85% 54% 30% Nov-2006 Nov % 15% 1% 16% 4% 52% 31% 81% Dec-2006 Dec

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) 150% % 98.90% 100% % Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trilyun Rupiah (Trillion IDRs) Pembiayaan yang diberikan (Fin. extended) Provision for Losses (PPAP)

12 Tabel 9. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Islamic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Mar-06 Jun-06 Sep-06 Oct-06 Nov-06 Dec-06 Lancar Nilai (Amount) 14,363,021 16,605,281 17,685,310 18,048,887 18,349,600 18,582,911 Current Pangsa (Share) 89.79% 91.43% 89.94% 89.85% 89.99% 90.89% Dalam Perhatian Khusus Nilai (Amount) 950, , ,362 1,019, , ,780 Special Mention Pangsa (Share) 5.94% 4.35% 4.93% 5.08% 4.78% 4.36% Kurang Lancar Nilai (Amount) 361, , , , , ,584 Sub-standard Pangsa (Share) 2.26% 1.52% 2.20% 2.07% 2.00% 1.72% Diragukan Nilai (Amount) 123, , , , , ,993 Doubtful Pangsa (Share) 0.77% 1.12% 1.02% 0.93% 1.02% 1.15% Macet Nilai (Amount) 198, , , , , ,639 Loss Pangsa (Share) 1.24% 1.59% 1.90% 2.08% 2.22% 1.87% Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs 15,996,948 18,162,126 19,662,542 20,087,984 20,391,420 20,444, , ,537 1,007,870 1,019,453 1,067, , % 4.23% 5.13% 5.07% 5.24% 4.75% *) 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-06 Nov Oct-06 Sep-06 Aug Jul-06 Jun-06 May-06 Apr-06 Mar-06 Feb Laba tahun berjalan (Current year profit) Rugi tahun berjalan (Current year losses) Jan Dec Milyar Rupiah (Billion IDRs) 11

13 Tabel 10. 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 (%) 2006 Desember 1-Dec-06 18, Dec-06 15, , , , , , Dec-06 10, , Dec-06 3, , , Dec-06 13, , , , , , , Dec-06 15, , , Dec-06 2, , , Dec-06 7, , , Dec-06 5, , , , , Dec-06 12, , , Dec-06 10, , , Dec-06 15, , , , , , , Dec-06 19, , , , , , , Dec-06 15, , , Dec-06 3, , Dec Dec-06 5, , , Dec-06 16, Dec-06 11, Dec

14 Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction Milyar Rupiah (Billion IDRs) Volume of PUAS Transaction Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI) 3,000 2,500 Milyar Rupiah (Billion IDRs) 2,000 1,500 1, SWBI/Aset 11.47% 10.47% 8.29% 5.59% 5.55% 4.98% 5.23% 3.81% 4.74% 4.30% 4.75% 6.07% 9.25% Outstanding 2,395 2,156 1,696 1,148 1,171 1,092 1, ,117 1,046 1,190 1,547 2,357 13

15 Tabel 11. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2006) Islamic Banks s Share to All Banks (position November 2006) Total Assets Islamic Banks Nominal Deposit Fund Credit/Financing extended Share 1.56% 1.55% 2.66% Total Banks FDR/LDR*) % 61.32% NPF S /NPL S *) 5.24% 8.09% *) FDR = Financing extended/deposit Fund LDR = Credit extended/deposit Fund Gambar 10. Pangsa Perbankan Syariah Terhadap Total Bank (posisi November 2006) Islamic Banks s Share to All Banks (position November 2006) 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Total Assets 1.31% 1.42% 1.40% 1.40% 1.40% 1.44% 1.45% 1.49% 1.51% 1.52% 1.54% 1.56% 1.56% Deposit Fund 1.24% 1.38% 1.36% 1.32% 1.33% 1.36% 1.36% 1.41% 1.42% 1.44% 1.49% 1.53% 1.55% Financing extended 2.18% 2.19% 2.22% 2.26% 2.33% 2.44% 2.46% 2.54% 2.58% 2.62% 2.63% 2.66% 2.66% 14