Statistik Perbankan Syariah Islamic Banking Statistics

Statistik Perbankan Syariah Islamic Banking Statistics MEI 25 MAY Direktorat Perbankan Syariah BANK INDONESIA

DAFTAR ISI CONTENTS Tabel 1. Jaringan Kantor Perbankan Syariah 2 Networking of Is lamic 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 Gam bar 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. Sum ber 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 1 Non Performing Financings (NPFs) of Islamic Banks Gambar 7. Laba dan Rugi Tahun Berjalan Perbankan Syariah 1 Current Year Profits and Losses of Islamic Banks Tabel 7. Transaksi Pasar Uang Antar Bank Berdasarkan Prinsip Syariah (PUAS) 11 Transaction of Islamic Interbank Money Market (PUAS) Gambar 8. Volume Transaksi PUAS 12 Volume of PUAS Transaction Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) 12 Outstanding of Bank Indonesia Wadiah Certificate (SWBI) Tabel 8. Pangsa Perbankan Syariah Terhadap Total Bank 13 Islamic Banks s Share to All Banks Gambar 1. Pangsa Perbankan Syariah Terhadap Total Bank 13 Islamic Banks s Share to All Banks 1

Tabel 1. Jaringan Kantor Perbankan Syariah Networking of Islamic Banks Jun-4 Sep-4 Dec-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 1. PT Bank Muamalat Indonesia 1 34 8 73 1 35 9 74 1 4 9 78 2. PT Bank Syariah Mandiri 1 49 2 39 1 49 25 41 1 5 31 53 3. PT Bank Syariah Mega Indonesia 1 2 1 2 Unit Usaha Syariah Islamic Banking Unit 1. PT Bank IFI 1 1 47 1 9 12 1 52 1 14 15 1 56 1 18 2. PT Bank Negara Indonesia 1 12 7 1 14 8 1 14 8 3. PT Bank Jabar 1 4 1 4 1 4 4. PT Bank Rakyat Indonesia 1 16 1 1 16 1 1 16 2 5. PT Bank Danamon 1 7 1 7 1 7 3 6. PT Bank Bukopin 1 2 1 3 1 3 7. PT Bank Internasional Indonesia 1 3 1 3 1 3 8. HSBC, Ltd. 1 1 1 1 1 1 9. PT Bank DKI 1 1 1 1 1 1 1. BPD Riau 1 1 1 1 1 1 11. BPD Kalsel 1 1 1 1 12. PT Bank Niaga 1 1 4 1 1 4 13. BPD Sumut 1 2 14. BPD Aceh 1 1 15. Bank Permata 1 1 16. Bank Tabungan Negara 17. BPD NTB Bank Perkreditan Rakyat Syariah Islamic Rural Banks 2 83 28 112 88 3 86 34 115 89 3 92 88 4 131 TOTAL 1 13 37 112 14 138 48 115 16 148 58 131 Mar-5 Apr-5 May-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 1. PT Bank Muamalat Indonesia 1 4 12 8 1 4 12 1 81 1 4 13 1 81 2. PT Bank Syariah Mandiri 1 52 33 1 53 1 52 34 2 54 1 52 34 3 54 3. PT Bank Syariah Mega Indonesia 1 3 2 1 3 2 1 3 2 Unit Usaha Syariah Islamic Banking Unit 1. PT Bank IFI 1 1 1 1 1 1 2. PT Bank Negara Indonesia 1 14 11 1 14 11 1 14 11 3. PT Bank Jabar 1 4 1 4 1 4 4. PT Bank Rakyat Indonesia 1 17 3 1 2 3 1 2 3 5. PT Bank Danamon 1 7 3 1 7 3 1 7 3 6. PT Bank Bukopin 1 3 1 3 1 3 7. PT Bank Internasional Indonesia 1 3 1 3 1 3 8. HSBC, Ltd. 1 1 1 1 1 1 9. PT Bank DKI 1 1 1 1 1 1 1 1 1 1. BPD Riau 1 1 1 1 1 1 11. BPD Kalsel 1 1 1 1 1 1 12. PT Bank Niaga 1 1 4 1 1 4 1 1 4 13. BPD Sumut 1 2 1 2 1 2 14. BPD Aceh 1 1 1 1 1 1 15. Bank Permata 1 2 1 2 1 2 16. Bank Tabungan Negara 1 4 1 5 1 5 17. BPD NTB 1 1 1 1 Bank Perkreditan Rakyat Syariah Islamic Rural Banks 3 95 47 1 133 16 62 22 1 89 3 95 48 3 135 17 67 22 1 3 95 49 4 135 17 67 22 1 89 89 TOTAL 18 157 69 1 134 19 162 7 3 136 19 162 71 4 136 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

Tabel 2. Aset Perbankan Syariah (Juta Rupiah) Assets of Islamic Banks (Million IDRs) KETERANGAN Jun-4 Sep-4 Dec-4 Mar-5 Apr-5 May-5 ITEMS 1. Kas 146,437 153,596 164,698 195,634 175,418 22,92 Cash 2. Penempatan pada BI 1,11,165 1,32,295 1,987,939 1,282,451 1,299,652 1,439,328 Placement at Bank Indonesia 3. Penempatan pada bank lain 473,135 46,495 727,336 972,426 1,95,992 77,281 Inter-bank assets 4. Pembiayaan yang diberikan 8,356,18 1,131,51 11,489,933 12,959,341 13,484,151 14,14,678 Financing extended 5. Penyertaan 2,95 5,71 5,66 5,66 5,66 5,66 Equity participation 6. Penyisihan Penghapusan Aktiva Produktif (PPAP) (148,315) (186,827) (22,135) (275,29) (31,465) (312,871) Allowances for earning assets losses (PPAP) 7. Aktiva tetap dan investaris 172,813 174,156 198,242 23,92 25,852 27,642 Fixed assets and inventory 8. Rupa-rupa aktiva 919,87 949,127 972,324 1,15,186 1,59,87 1,73,998 Other assets J U M L A H 11,23,317 12,719,63 15,325,997 16,359,49 17,16,13 17,337,88 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

Tabel 3. Kewajiban dan Modal Perbankan Syariah (Juta Rupiah) Liabilities and Equity of Islamic Banks (Miliion IDRs) KETERANGAN Jun-4 Sep-4 Dec-4 Mar-5 Apr-5 May-5 ITEMS 1. Giro wadiah 1,62,71 1,227,8 1,62,115 1,722,88 1,625,619 1,716,345 Wadiah-current accounts 2. Tabungan mudharabah 2,531,194 2,856,718 3,263,759 3,467,22 3,582,252 3,65,11 Mudharabah-saving accounts 3. Deposito mudharabah 4,721,955 5,591,939 6,978,243 7,68,775 7,591,167 7,473,76 Mudharabah-investment accounts 4. Kewajiban terhadap BI 34,564 34,161 33,449 33,196 33,111 33,2 Liabilities to Bank Indonesia 5. Kewajiban kepada bank lain 252,445 3,731 488,195 594,873 841,69 747,853 Inter-bank liabilities 6. Pembiayaan yang diterima 415,48 415,11 215,466 211,986 211,793 212,868 Received Financing 7. Kewajiban lainnya 9,36 19,232 95,14 45,587 219,537 173,61 Other payables 8. Setoran jaminan 13,155 11,376 1,55 2,112 14,993 12,457 Guarantee deposits 9. Antar Kantor Bersih 778,125 95,488 1,153,424 1,311,122 1,393,774 1,49,851 Interoffice net 1. Rupa-rupa pasiva 14,792 242,171 512,823 492,591 54,292 486,233 Other liabilities 11. Modal disetor 63,67 628,67 731,39 735,98 735,98 958,528 Paid-in capital 12. Perkiraan tambahan modal disetor 866 (866) (866) (866) (866) 132,992 Additional paid-in capital account 13. Cadangan 83,248 83,25 98,735 98,733 98,735 18,193 Reserves 14. Laba/rugi 18,491 155,245 125,925 198,174 165,556 14,997 Profit/Loss a. Tahun-tahun lalu 23,237 23,237 (36,441) 127,211 93,93 44,463 Previous years i. Laba 29,891 29,891 29,891 214,713 182,425 133,221 Profit ii. Rugi -/- (6,654) (6,654) (66,332) (87,52) (89,332) (88,758) Loss b. Tahun berjalan 85,254 132,8 162,366 7,963 72,463 96,534 Current year i. Laba 196,721 34,811 391,783 151, 21,338 254,512 Profit ii. Rugi -/- (111,467) (172,83) (229,417) (8,37) (128,875) (157,978) Loss J U M L A H 11,23,317 12,719,63 15,325,997 16,359,49 17,16,13 17,337,88 Total Liabilities and Equity 4

Gambar 1. Perkembangan Aset Perbankan Syariah Growth of Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) 2. Aset (Assets) 18. Perkembangan Aset (Assets Growth) 16. 9.19% 1% 9% 8% 14. 7.9% 7% 12. 1. 8. 4.58% 4.37% 6.8% 5.85% 5.1% 4.22% 4.25% 4.3% 6% 5% 4% 6. 3% 4. 2.. 2% 1.89% 1.27% 1%.3% % May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Gambar 2. Sumber Dana Perbankan Syariah Sources of Fund of Islamic Banks Trilyun Rupiah (Trillion IDRs) 16. 14. 12. Giro Wadiah (Wadiah-cur. acc.) Deposito Mudharabah (Mudharabah-inv. acc.) Tabungan Mudharabah (Mudharabah-sav. acc.) Pembiayaan yang diterima (Received financing) 1. 8. 6. 4. 2.. May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 5

Tabel 4. Komposisi Dana Pihak Ketiga Perbankan Syariah (Juta Rupiah) Composition of Deposit Fund of Islamic Banks (Million IDRs) DANA PIHAK KETIGA DEPOSIT FUND Jun-4 Sep-4 Dec-4 Mar-5 Apr-5 May-5 Giro Wadiah Nilai (Amount) 1,62,71 1,227,8 1,62,115 1,722,88 1,625,619 1,716,345 Wadiah currency account Pangsa (Share) 12.78% 12.68% 13.66% 14.5% 12.7% 13.37% Tabungan Mudharabah Nilai (Amount) 2,531,194 2,856,718 3,263,759 3,467,22 3,582,252 3,65,11 Mudharabah saving account Pangsa (Share) 3.44% 29.52% 27.51% 28.28% 27.99% 28.43% Deposito Mudharabah Nilai (Amount) 4,721,955 5,591,939 6,978,243 7,68,775 7,591,167 7,473,76 Mudharabah investment account Pangsa (Share) 56.78% 57.79% 58.83% 57.66% 59.31% 58.21% Total 8,315,85 9,675,737 11,862,117 12,258,83 12,799,38 12,84,215 Gambar 3. Aktiva Produktif Utama Perbankan Syariah The Major Earning Assets of Islamic Banks Trilyun Rupiah (Trillion IDRs) 18. Pembiayaan yang diberikan (Fin. extended) 16. Penempatan pada bank lain (Inter bk assets) 14. Penempatan pada BI (Plcment at BI) 12. 1. 8. 6. 4. 2.. May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 6

Tabel 5. Komposisi Pembiayaan Perbankan Syariah (Juta Rupiah) Composition of Financing of Islamic Banks (Million IDRs) RINCIAN PEMBIAYAAN YANG DIBERIKAN ITEMS OF FINANCING Jun-4 Sep-4 Dec-4 Mar-5 Apr-5 May-5 Dalam rangka pembiayaan bersama Nilai (Amount) - - - - - - Sindicated Financing Pangsa (Share).%.%.%.%.%.% Dalam rangka restrukturisasi pembiayaan Nilai (Amount) 13,2 238,43 - - - - Restructurized Financing Pangsa (Share) 1.24% 2.35%.%.%.%.% Penyaluran pembiayaan melalui lembaga lain Nilai (Amount) - - - - - - Channeling Pangsa (Share).%.%.%.%.%.% Pembiayaan Musyarakah Nilai (Amount) 944,472 1,118,82 1,27,868 1,553,521 1,633,912 1,677,2 Musharakah Financing Pangsa (Share) 11.3% 11.4% 11.6% 11.99% 12.12% 11.97% Pembiayaan Mudharabah Nilai (Amount) 1,459,218 1,72,36 2,62,22 2,37,97 2,516,94 2,632,937 Mudharabah Financing Pangsa (Share) 17.46% 16.8% 17.95% 18.29% 18.67% 18.79% Piutang Murabahah Nilai (Amount) 5,398,358 6,628,327 7,64,299 8,47,398 8,757,57 9,128,413 Murabahah Receivable Pangsa (Share) 64.6% 65.43% 66.5% 65.36% 64.94% 65.13% Piutang Salam Nilai (Amount) - - - - 15 15 Salam Receivable Pangsa (Share).%.%.%.%.%.% Piutang Istishna' Nilai (Amount) 327,61 37,625 312,962 298,732 296,16 299,539 Istishna' Receivable Pangsa (Share) 3.91% 3.4% 2.72% 2.31% 2.2% 2.14% Lainnya Nilai (Amount) 123,871 136,938 23,62 266,593 28,112 276,619 Others Pangsa (Share) 1.48% 1.35% 1.77% 2.6% 2.8% 1.97% Total 8,356,18 1,131,51 11,489,933 12,959,341 13,484,151 14,14,678 7

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) % 8% 6% 2% 14% 56% 28% 86% Mar-25 Mar-25 % 8% 7% 2% 12% 58% 28% 85% Apr-25 Apr-25 % 9% 4% 2% 13% 57% 28% 87% Mei-25 Mei-25 8

Gambar 5. Sumber Dana, Pembiayaan, dan FDR Perbankan Syariah Sources of Fund, Financing, and FDR of Islamic Banks Trilyun Rupiah (Trillion IDRs) 14. Pembiayaan yang diberikan (Fin. extended) Dana Pihak Ketiga (Deposit Fund) 15% 12. FDR (Financing to Deposit Ratio) 1. 8. 6. 97.57% 19.15% 1% 4. 2.. May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 5% Gambar 6. Pembiayaan dan PPAP Perbankan Syariah Financing and Provision for Losses (PPAP) of Islamic Banks Trilyun Rupiah (Trillion IDRs) 14. 12. Pembiayaan yang diberikan (Fin. extended) Provision for Losses (PPAP) 1. 8. 6. 4. 2.. May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 9

Tabel 6. NPFs*) Perbankan Syariah (Juta Rupiah) Non Performing Financings (NPFs)*) of Isl amic Banks (Miliion IDRs) KOLEKTIBILITAS PEMBIAYAAN COLLECTIBILITY OF FINANCING Jun-4 Sep-4 Dec-4 Mar-5 Apr-5 May-5 Lancar Nilai (Amount) 7,846,927 9,472,516 1,89,14 12,137,878 12,632,916 12,946,69 Current Pangsa (Share) 93.91% 93.5% 94.7% 93.66% 93.69% 92.38% Dalam Perhatian Khusus Nilai (Amount) 312,665 379,495 41,65 462,327 46,147 59,465 Special Mention Pangsa (Share) 3.74% 3.75% 3.57% 3.57% 3.1% 4.21% Kurang Lancar Nilai (Amount) 99,47 124,59 122,17 147,7 27,659 252,258 Sub-standard Pangsa (Share) 1.19% 1.23% 1.6% 1.13% 1.54% 1.8% Diragukan Nilai (Amount) 2,78 68,74 38,626 8,837 78,877 74,484 Doubtful Pangsa (Share).25%.67%.34%.62%.58%.53% Macet Nilai (Amount) 76,473 86,376 19,446 131,292 158,552 151,42 Loss Pangsa (Share).92%.85%.95% 1.1% 1.18% 1.8% Total Pembiayaan (Total Financing) Nominal NPFs (Coll. 3-5) Percentage of NPFs 8,356,18 1,131,51 11,489,933 12,959,341 13,484,151 14,14,678 196,588 279,4 27,179 359,136 445,88 478,144 2.35% 2.75% 2.35% 2.77% 3.3% 3.41% *) 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 May-5-157.98 254.51 Apr-5-128.88 21.34 Mar-5-8.4 151. Feb-5-59.78 11.39 Laba tahun berjalan (Current year profit) Jan-5-35.88 54.31 Rugi tahun berjalan (Current year losses) Dec-4 Nov-4-229.42-21.28 391.78 383.8 Oct-4-191.88 345.67 Sep-4-172.8 34.81 Aug-4 Jul-4-156.95-142.8 235.35 271.38 Jun-4-111.47 196.72 May-4-91.47 166.1-3 -25-2 -15-1 -5 5 1 15 2 25 3 35 4 45 Milyar Rupiah (Billion IDRs) 1

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 Maret 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) 21-Mar-5 5, 6.5 5. 2. 3.25 24-Mar-5 2, 8.32 52. 4. 4.3264 29-Mar-5 5, 6.68 51. 7. 3.5122 5, 6.55 5. 3. 3.5122 1, 6.95 53. 1. 3.5122 3-Mar-5 5, 6.95 53. 7. 3.5847 3, 6. 57. 7. 3.5847 April 4-Apr-5 7, 7.3 5. 7. 3.9971 6, 7.74 53. 3. 3.9971 1, 7.3 5. 3. 3.9971 2, 7.89 54. 14. 3.9971 6-Apr-5 2, 5.7 57. 5. 3.249 7-Apr-5 1, 7.3 5. 7. 3.65 12-Apr-5 1,5 7.53 52. 1. 3.9156 14-Apr-5 2, 6.29 63. 6. 3.721 1, 7.3 5. 7. 3.721 15-Apr-5 5, 7.89 54. 14. 4.266 1, 7.89 54. 14. 4.266 18-Apr-5 1,6 7.53 52. 2. 5.7682 5, 9.25 63. 3. 5.7682 19-Apr-5 1, 7.53 52. 1. 3.9156 25-Apr-5 1,5 6. 6. 3. 3.6 26-Apr-5 3, 6. 6. 3. 3.6789 1, 7.53 52. 1. 3.6789 27-Apr-5 5, 7.8 57. 1. 4.446 29-Apr-5 1, 6.5 7. 3. 4.485 Mei Volume of Transaction (Million IDRs) Maturity (Days) Indication Rate of Return PUAS = Weighted Average Indication Rate of Return of IMA Certificate (%) 8, 6.5 7. 3. 4.485 2, 6. 65. 3. 4.485 1-May-5 3, 7.43 52. 1. 3.7869 2, 7.43 52. 1. 3.7869 4, 7.43 52. 1. 3.7869 2, 5.94 56. 7. 3.7869 3, 7.43 52. 1. 3.7869 17-May-5 5, 6.1 68. 1. 4.148 2, 6.1 68. 2. 4.148 18-May-5 5, 6.37 6. 5. 3.4916 1, 5.94 56. 7. 3.4916 19-May-5 2,5 7.43 52. 1. 3.8636 2-May-5 5, 7.43 52. 5. 3.8636 2, 7.43 52. 5. 3.8636 23-May-5 15, 7. 6. 2. 4.144 5, 7.1 56. 2. 4.144 25-May-5 1,5 7.43 52. 6. 3.8636 1, 7.43 52. 6. 3.8636 3-May-5 15, 7.19 56. 2. 3.8826 1, 7.19 51. 4. 3.8826 31-May-5 3, 7.43 52. 3. 3.7467 2, 6.5 57. 1. 3.7467 3,5 7.34 52. 1. 3.7467 11

Gambar 8. Volume Transaksi PUAS Volume of PUAS Transaction 18 16 Milyar Rupiah (Billion IDRs) 14 12 1 8 6 4 2 May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Series1 24 4 4 121 5 24 4 84 35 166.6 11.5 Gambar 9. Posisi Sertifikat Wadiah Bank Indonesia (SWBI) Outstanding of Bank Indonesia Wadiah Certificate (SWBI) 1,2 1, Milyar Rupiah (Billion IDRs) 8 6 4 2 - May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Outstanding 1,62 444 39 54 415 369 447 1,94 883 628 487 449 413 12

Tabel 8. Pangsa Perbankan Syariah Terhadap Total Bank Islamic Banks s Share to All Banks Nominal Islamic Banks Share Total Banks Total Assets 17.34 1.31% 1324.74 Deposit Fund 12.84 1.3% 986.74 Credit/Financing extended 14.1 2.28% 615.8 LDR/FDR*) 19.15% 62.41% NPL 3.41% 6.4% *) FDR = Financing extended/deposit Fund LDR = Credit extended/deposit Fund Gambar 1. Pangsa Perbankan Syariah Terhadap Total Bank Islamic Banks s Share to All Banks 2.5% 2.% 1.5% 1.%.5%.% May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 May-4 Jun-4 Jul-4 Aug-4 Sep-4 Oct-4 Nov-4 Dec-4 Jan-5 Feb-5 Mar-5 Apr-5 May-5 Total Assets.87%.93%.97% 1.1% 1.5% 1.11% 1.14% 1.2% 1.22% 1.23% 1.28% 1.3% 1.31% Deposit Fund.86%.91%.95% 1.2% 1.4% 1.9% 1.13% 1.23% 1.25% 1.24% 1.28% 1.31% 1.3% Cr/Fin ext 1.47% 1.58% 1.67% 1.74% 1.83% 1.88% 1.91% 1.93% 2.1% 2.14% 2.22% 2.27% 2.28% 13