2010 Perbankan Syariah Statistics Sept

i

Statistik Perbankan Syariah

(Islamic Banking Statistics)

i

Statistik Perbankan Syariah (SPS)

merupakan media publikasi yang menyediakan

informasi mengenai data perbankan syariah di

Indonesia. Statistik ini diterbitkan setiap bulan

oleh Direktorat Perbankan Syariah - Bank

Indonesia dan disusun untuk memenuhi

kebutuhan intern Bank Indonesia dan

kebutuhan pihak ekstern mengenai kegiatan

perbankan syariah beserta perkembangannya.

Guna memberikan pemahaman yang

tepat terhadap data yang disajikan, kami

sarankan agar pembaca terlebih dahulu

memahami penjelasan, singkatan serta daftar

istilah yang ada.

Kami mengharapkan agar data yang

disajikan dapat memberikan manfaat yang

optimal bagi pembaca. Apabila pembaca ingin

menyampaikan pertanyaan atau masukan,

silakan menghubungi kami melalui email:

[email protected]

Direktorat Perbankan Syariah

BANK INDONESIA

The Islamic Banking Statistics is a

media publication that provides information

regarding the Islamic Banking Industry in

Indonesia. This monthly publication is

published by the Directorate of Islamic Banking,

Bank Indonesia, to accomodate the needs of

the stakeholders.

In order to get a better understanding

about the data presented in this publication,

we suggest that the readers go through the

clarification, abbreviations and glossary.

We hope that this publication gives

benefit to our readers.

For questions or suggestions, kindly send email

to: [email protected]

Directorate of Islamic Banking

BANK INDONESIA

i

mailto:[email protected]

mailto:[email protected]

Statistik Perbankan Syariah (Islamic Banking Statistics), September 2010

ii

DAFTAR ISI CONTENTS page Kata Pengantar ……………………………………………………………………………………………………………………………. i Foreword Daftar Isi ………………………………………………………………………………………………………………………………………. ii Contents Penjelasan ……………………………………………………………………………………………………………………………………. v Clarification Daftar Singkatan …………………………………………………………………………………………………………………………… vi Abbreviations Daftar Istilah …………………………………………………………………………………………………………………………………. vii Glossary Tab. 1 Jaringan Kantor Perbankan Syariah (Islamic Banking Network) ...…..…………………......... 1 Tab 2 Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)…… 2 Tab 3 Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi (Number of

Islamic Rural Bank based on Location) ............................................................................. 3

Tab. 4 Layanan Syariah (Office Channeling) ................................................................................ 4 Tab. 5 Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking) ............... 5 Tab. 6 Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial

Bank dan Islamic Business Unit Condensed Balance Sheet) ............................................ 6

Tab. 7 Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet) ..................................................................................................................

7

Tab. 8 Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement) .................

8

Tab. 9 Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement).................................................................................

9

Tab. 10 Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah (Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit) ......................................................................................................

10

Tab. 11 Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah (Cost of Promotion, Education and Training - Islamic Rural Bank)................................................

11

Tab. 12 Rekening Administratif Bank Umum Syariah dan Unit Usaha Syariah (Off-Balance Sheet Account - Islamic Commercial Bank dan Islamic Business Unit)………......................

12

Tab. 13 Rekening Administratif - Bank Pembiayaan Rakyat Syariah (Off-Balance Sheet Account - Islamic Rural Bank ).........................................................................................

13

Tab. 14 Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah (Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit) ..............................

14

Tab. 15 Komposisi DPK - Bank Pembiayaan Rakyat Syariah (Depositor Funds Composition of Islamic Rural Bank) .........................................................................................................

15

Tab. 16 Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit).........

16

Tab. 17 Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit) ..............................

17

Tab. 18 Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah (Financing Composition of Islamic Commercial Bank and Islamic Business Unit) ............

18


iii

Tab. 19

Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah (Financing Composition of Islamic Rural Bank) .................................................................................

page 19

Tab. 20 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ..............................................................................................................

20

Tab. 21 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Financing of Islamic Rural Bank based on Economic Sector) ……………………………………...

21

Tab. 22

Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) .............................................................................................................

22

Tab. 23 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Financing of Islamic Rural Bank based on Type of Usage)………………………………………….

23

Tab. 24 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) ………………………………………………………………………………………………….

24

Tab. 25 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Financing of Islamic Rural Bank based on Type of Financing) ………................................

25

Tab. 26 Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)………………………………………........................................................................

26

Tab. 27 Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan (Financing of Islamic Rural Bank based on Collectibility) ……………………….........................

27

Tab. 28 Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector) ……….........……………………................................

28

Tab. 29 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi (Non performing Financing of Islamic Rural Bank based on Economic Sector)……………………………………………………………………………………………………......................

29

Tab. 30 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage) ............................................................................

30

Tab. 31 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan (Non Performing Financing of Islamic Rural Bank based on Type of Usage) ..............................................................................................................................

31

Tab. 32 Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing) …………………………………………….......…

32

Tab. 33 Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan (Non Performing Financing of Islamic Rural Bank based on Type of Financing) ........................................................................................................................

33

Tab. 34 Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah (Number of Account of Islamic Commercial Bank and Islamic Business Unit) .......................................................

34

Tab. 35 Jumlah rekening Bank Pembiayaan Rakyat Syariah (Number of Account of Islamic Rural Bank) ................................................................................................................................

35

Tab. 36 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit) .......................................................................................

36

Tab. 37 Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah (Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank ) .................

37

Tab. 38 Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah (Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)........................................................

38


iv

Tab. 39

Rasio Keuangan Bank Pembiayaan Rakyat Syariah (Financial Ratios of Islamic Rural Bank).................................................................................................................................

Page 39

Tab. 40 Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset (Number of Islamic Rural Bank based on Total Assets) ...................................................................................

40

Tab. 41 Volume Transaksi PUAS (Volume of Transaction of Interbank Islamic Money Market)… 41

Tab. 42 Rata-rata Tingkat Imbalan Sertifikat IMA (Weighted Average Rate of Return of IMA Certificate) ........................................................................................................................

42

Tab. 43 Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province).........................................................................

43

Tab. 44 Total Aset Gross, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi (Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province)............................................................................................................................

44

Tab. 45 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province)..........................................................................

45

Tab. 46 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi (Financing of Islamic Rural Bank based on Economic Sector and Province)............................................................................................................................

46

Tab. 47 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province).....................................................................

47

Tab. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Usage and Province)...

48

Tab. 49 Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province)..................................................

49

Tab. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi (Financing of Islamic Rural Bank based on Type of Financing and Province)....................................................................................................

50

Tab. 51 Total Pembiayaan, Dana Pihak Ketiga dan FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/Kabupaten (Financing, Depositor Funds and percentage of FDR - Islamic Commercial Bank and Islamic Business Unit based on City/District)…………………………………………………..................................................................

51

Grafik 1 Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit) ………………..........…

52

Grafik 2 Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (Assets, Depositor Funds and Financing - Islamic Rural Bank) …….…………………………………………......................................

53

Grafik 3 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Umum Syariah dan Unit Usaha Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit ) …………………………………………………………………..................................

54

Grafik 4 FDR dan Pertumbuhan Aset, DPK, PYD - Bank Pembiayaan Rakyat Syariah (FDR and Growth of Assets, Depositor Funds, Financing - Islamic Rural Bank) …….........................

55

Graph 5 Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah (Source of Funds - Islamic Commercial Bank and Islamic Business Unit) ....…………………………………………….……………

56

Grafik 6 Sumber Dana Bank Pembiayaan Rakyat Syariah (Source of Funds - Islamic Rural Bank).. 57


v

Graph 7 Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah (Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)........................................................

58

Grafik 8 Penyaluran Dana Bank Pembiayaan Rakyat Syariah (Placement of Funds - Islamic Rural Bank)........................................................................................................................

59

Grafik 9 Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah (Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)....................

60

Grafik 10 Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah (Trend of Financing and NPF – Islamic Rural Bank).................................................................................................

61

Grafik 11 Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah (Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit)..............

62

Grafik 12 Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah (Trend of BOPO, ROA and ROE - Islamic Rural Bank)...................................................................................

63


vi

1. Data yang digunakan dalam SPS bersumber

dari Laporan Bulanan Bank Umum Syariah

(LBUS) dan Laporan Bulanan Bank

Pembiayaan Rakyat Syariah (LapBul BPRS)

kecuali dinyatakan lain.

2. Data Non Performing yang ditampilkan

merupakan Non Performing gross yaitu tanpa

memperhitungkan penyisihan yang dibentuk

untuk mengantisipasi risiko kerugian.

3. Proses download data.

Data LBUS dan LapBul BPRS yang disampaikan

bank pelapor kepada Bank Indonesia diproses

pada server web LBUS dan LapBul BPRS.

Perbedaan waktu proses data LBUS dan

LapBul BPRS dapat menyebabkan perbedaan

antara data yang dipublikasikan dalam SPS

dengan publikasi yang lain. Oleh karena itu

pembaca dihimbau memperhatikan waktu

proses data. Pemrosesan data SPS bulan

September 2010 dilakukan pada tanggal 22

Oktober 2010.

4. Publikasi buku Statistik Perbankan Syariah

dapat dilihat melalui website Bank Indonesia

www.bi.go.id.

1. The data presented in the Islamic Banking

Statistics is derived from the Islamic Bank and

Islamic Rural Bank Monthly Reports unless

mentioned otherwise.

2. Non Performing Financing data is shown as

the gross non performing financing that is

without taking into account the reserve

formed in anticipation of the risk of losses.

3. Data downloading process.

Data of the Islamic Bank and Islamic Rural

Bank Monthly Report is submitted by

reporting banks to Bank Indonesia and is

processed on the web server. The difference

in the processing time may result in variations

of the data published in this Islamic Banking

Statistics compared to other published data.

Therefore, readers are recommended to take

notice of the data processing time. The data

processing time of the September 2010

Islamic Banking Statistics is on October 22,

2010.

4. The Islamic Banking Statistics can be viewed

on Bank Indonesia website www.bi.go.id.

http://www.bi.go.id/

http://www.bi.go.id/


vii

UUS : Unit Usaha Syariah

BUS : Bank Umum Syariah

BPRS : Bank Pembiayaan Rakyat Syariah

PT : Perseroan Terbatas

BPD : Bank Pembangunan Daerah

SWBI : Sertifikat Wadiah Bank Indonesia

SBIS : Sertifikat Bank Indonesia Syariah

UKM : Usaha Kecil dan Menengah

PPAP : Penyisihan Penghapusan Aktiva

Produktif

PUAS : Pasar Uang Antar Bank berdasarkan

prinsip Syariah

FDR : Financing to Deposit Ratio, yaitu

rasio pembiayaan terhadap dana

pihak ketiga

NPF : Non Performing Financing, yaitu

rasio pembiayaan bermasalah

terhadap total pembiayan

ROA : Return on Assets, yaitu rasio laba

sebelum pajak (disetahunkan)

terhadap total asset rata-rata

ROE : Return on Equity, yaitu rasio laba

setelah pajak (disetahunkan)

terhadap total modal rata-rata

BOPO : Rasio Biaya Operasional terhadap

Pendapatan Operasional

DPK : Dana Pihak Ketiga

PYD : Pembiayaan yang Diberikan

UUS : Islamic Business Unit of a

Conventional Bank

BUS : Islamic Commercial Bank

BPRS : Islamic Rural Bank

PT : Limited Liabilities Company

BPD : Regional Government Bank

SWBI : Wadiah Islamic Certificate of Bank

Indonesia

SBIS : Islamic Certificate of Bank

Indonesia

UKM : Small and Medium Scale Enterprise

PPAP : Allowances for Earning Assets

Losses

PUAS : Interbank Islamic Money Market

FDR : Financing to Deposit Ratio

NPF : Non Performing Financing

ROA : Return on Assets, that is the ratio of

annualized earnings before taxes to

average assets

ROE : Return on Equity, that is the ratio of

annualized earnings after taxes to

average equity

BOPO : The ratio of Operational Expenses

to Operational Revenue

DPK : Depositor Funds

PYD : Financing

IDR : Indonesian Rupiah

DAFTAR SINGKATAN ABBREVIATIONS


viii

GLOSARY

Akad Wadiah

Wadiah Contract

: Perjanjian penitipan dana atau barang dari pemilik kepada penyimpan dana

atau barang dengan kewajiban bagi pihak yang menyimpan untuk

mengembalikan dana atau barang titipan sewaktu-waktu.

A contract between the owner of the goods (the money) and the custodian

for safekeeping.

Akad Mudharabah

Mudharaba Contract

: Perjanjian pembiayaan/ penanaman dana dari pemilik dana (shahibul

maal) kepada pengelola dana (mudharib) untuk melakukan kegiatan

usaha tertentu yang sesuai syariah, dengan pembagian hasil usaha

antara kedua belah pihak berdasarkan nisbah yang telah disepakati

sebelumnya.

A contract between a capital provider and an entrepreneur or a fund

manager, whereby the entrepreneur or fund manager can mobilize the

funds of the former for its business activity within the Sharia guidelines.

Profits made are shared between the parties according to a mutually

agreed ratio.

Akad Musyarakah

Musharaka Contract

: Perjanjian pembiayaan/ penanaman dana dari dua atau lebih pemilik

dana dan/atau barang untuk menjalankan usaha tertentu sesuai

syariah dengan pembagian hasil usaha antara kedua belah pihak

berdasarkan nisbah yang disepakati, sedangkan pembagian kerugian

berdasarkan proporsi modal masing-masing.

A contract between two parties whereby both parties provide capital

and both may be active in managing the venture. Losses are shared on

the basis of how much capital has been contributed. Profits are shared

in any way the partners decide.

Akad Murabahah

Murabaha Contract

: Perjanjian pembiayaan berupa transaksi jual beli suatu barang sebesar

harga perolehan barang ditambah dengan margin yang disepakati oleh

para pihak, dimana penjual menginformasikan terlebih dahulu harga

perolehan kepada pembeli.

The sale of goods at a price, which includes a profit margin agreed to by

both parties. The purchase and selling price, other costs, and the profit

margin must be clearly stated by the seller at the time of the sale

agreement.

DAFTAR ISTILAH


ix

Akad Salam

Salam Contract

Akad Istishna’

Istishna’ Contract

Akad Ijarah

Ijara Contract

Akad Qardh

Qardh Contract

Ekuivalen tingkat imbalan/

bagi hasil/fee/bonus

Equivalent rate of

return/profit

sharing/fee/bonus

:

:

:

:

Perjanjian pembiayaan berupa transaksi jual beli barang dengan cara

pemesanan dengan syarat-syarat tertentu dan pembayaran tunai

terlebih dahulu secara penuh.

A contract in which the seller undertakes to supply some specific goods

to the buyer on a future date at a mutually agreed price fully paid at

the time of contract.

Perjanjian pembiayaan berupa transaksi jual beli barang dalam bentuk

pemesanan pembuatan barang dengan criteria dan persyaratan

tertentu yang disepakati dengan pembayaran sesuai dengan

kesepakatan.

A contract in which the seller undertakes to supply some specific goods

to the buyer on a future date at a mutually agreed price and method of

payment.

Perjanjian pembiayaan berupa transaksi sewa menyewa atas suatu

barang dan/atau jasa antara pemilik obyek sewa termasuk kepemilikan

hak pakai atas obyek sewa dengan penyewa untuk mendapatkan

imbalan atas obyek sewa yang disewakan.

The selling of benefit or use or service for a fixed price or wage.

Perjanjian pembiayaan berupa transaksi pinjam meminjam dana tanpa

imbalan dengan kewajiban pihak peminjam mengembalikan pokok

pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu.

A loan in which the debtor is only required to repay the amount

borrowed.

Indikasi tingkat imbalan dari suatu penanaman dana atau

penghimpunan dana bank pelapor.

Indicative rate of return from Placement of Funds or Source of Funds of

the reporting bank.


1

Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

- Jumlah Bank (Number of Banks) 3 3 3 5 6 5 6 6 6 6 7 8 9 10 10 10 10 10

- Jumlah Kantor (Number of Offices) 304 349 401 581 711 660 688 701 711 820 852 934 918 970 1,058 1,113 1,111 1,151

-

-

Jumlah Bank Umum Konvensional yang

memiliki UUS (Number of Conventional

Banks that have Islamic Business Unit)

19 20 26 27 25 24 25 25 25 25 25 25 25 24 23 23 23 23

- Jumlah Kantor (Number of Offices) 154 183 196 241 287 264 275 286 287 288 294 299 312 298 244 251 236 237

-

- Jumlah Bank (Number of Banks) 92 105 114 131 138 254 263 257 138 140 142 143 144 144 145 146 146 146

- Jumlah Kantor (Number of Offices) 92 105 185 202 225 220 223 224 225 262 265 266 271 271 275 276 277 278

550 637 782 1,024 1,223 1,144 1,186 1,211 1,223 1,370 1,411 1,499 1,501 1,539 1,577 1,640 1,624 1,666

Unit Usaha Syariah (Islamic Business Unit)

Total Kantor (Total Number of Offices)

2009

Bank Umum Syariah (Islamic Commercial Bank)

2005 2006 2008 20092007

Bank Pembiayaan Rakyat Syariah (Islamic Rural

Bank)

2010

Tabel 1. Jaringan Kantor Perbankan Syariah (Islamic Banking Network)


2

Kelompok Bank KP/UUS KPO/KC KCP/UPS KK

(Group of Banks) HO/IBU HOO/BO SBO/SSU CO

Bank Umum Syariah

Islamic Commercial Bank

1 PT Bank Syariah Muamalat Indones ia 1 75 49 102

2 PT Bank Syariah Mandiri 1 94 167 85

3 PT Bank Syariah Mega Indones ia 1 34 329 5

4 PT Bank Syariah BRI 1 34 40 2

5 PT Bank Syariah Bukopin 1 8 5 -

6 PT Bank Panin Syariah 1 4 - -

7 PT Bank Victoria Syariah 1 6 2 -

8 PT BCA Syariah 1 5 3 3

9 PT Bank Jabar dan Banten 1 6 28 -

10 PT Bank Syariah BNI 1 27 28 -

Unit Usaha Syariah

Islamic Business Unit

11 PT Bank Danamon 1 8 3 -

12 PT Bank Permata 1 10 12 -

13 PT Bank Internas ional Indones ia (BII) 1 5 - -

14 PT CIMB Niaga 1 21 5 -

15 HSBC, Ltd. 1 5 - -

16 PT Bank DKI 1 2 - -

17 BPD DIY 1 1 - -

18 BPD Jawa Tengah (Jateng) 1 2 - 1

19 BPD Jawa Timur (Jatim) 1 1 - 37

20 BPD Banda Aceh 1 2 9 -

21 BPD Sumatera Utara (Sumut) 1 3 1 -

22 BPD Sumatera Barat (Sumbar) 1 2 2 1

23 BPD Riau 1 2 3 1

24 BPD Sumatera Selatan (Sumsel ) 1 3 - 2

25 BPD Kal imantan Selatan (Ka lsel ) 1 2 - -

26 BPD Kal imantan Barat (Ka lbar) 1 1 - -

27 BPD Kal imantan Timur (Ka l tim) 1 2 7 2

28 BPD Sulawes i Selatan (Sulsel ) 1 3 1 -

29 BPD Nusa Tenggara Barat (NTB) 1 1 - -

30 PT BTN 1 20 3 -

31 PT Bank Tabungan Pens iunan Nas ional (BTPN) 1 2 21 -

32 PT OCBC NISP 1 3 - -

33 PT Bank Sinarmas 1 1 - 1

Bank Pembiayaan Rakyat Syariah

Islamic Rural BankTOTAL 179 418 718 351

Keterangan:

- KP = Kantor Pusat

- UUS = Unit Usaha Syariah

- KPO = Kantor Pusat Operasional

- KC = Kantor Cabang

- KK = Kantor Kas

- Tidak termasuk Layanan Syariah

- IBU = Islamic Banking Unit

- HOO = Head Operational Office

- BO = Branch Office

- SBO/SSU = Sub Branch Office/Syari’a Services Unit

- CO = Cash Office

- Not Include Office Channeling

146 23 0 109

Note:

- HO = Head Office

10 293 651 197

23 102 67 45

- KCP/UPS = Kantor Cabang Pembantu/ Unit Pelayanan Syariah

No

Tabel 2 . Jaringan Kantor Individual Perbankan Syariah (Individual Islamic Banking Network)


3


1 Jawa Barat 26 28 28 28 27 27 27 27 27 27 27 27 27 27 27 27 27 27

2 Banten 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8

3 DKI Jakarta 0 0 1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2

4 D.I. Yogyakarta 2 3 6 9 9 9 9 9 9 9 10 10 10 10 10 10 10 10

5 Jawa Tengah 8 11 13 15 19 18 19 19 19 19 19 19 19 19 20 20 20 20

6 Jawa Timur 12 17 19 23 25 25 25 25 25 25 26 26 27 27 27 27 27 27

7 Bengkulu 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2

8 Jambi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

9 Nanggroe Aceh Darussalam 5 5 5 6 7 7 7 7 7 8 8 9 9 9 9 10 10 10

10 Sumatera Utara 6 6 7 7 7 7 7 7 7 8 8 8 8 8 8 8 8 8

11 Sumatera Barat 3 4 4 6 6 6 6 6 6 6 6 6 6 6 6 6 6 6

12 Riau 2 2 2 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4

13 Sumatera Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

14 Kepulauan Bangka Belitung 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

15 Kepulauan Riau 0 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

16 Lampung 3 3 3 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

17 Kalimantan Selatan 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

18 Kalimantan Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

19 Kalimantan Timur 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

20 Kalimantan Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

21 Sulawesi Tengah 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

22 Sulawesi Selatan 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7 7

23 Sulawesi Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

24 Gorontalo 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

25 Sulawesi Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

26 Sulawesi Tenggara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

27 Nusa Tenggara Barat 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3

28 Bali 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

29 Nusa Tenggara Timur 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

30 Maluku 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

31 Papua 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1

32 Irian Jaya Barat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

33 Maluku Utara 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total 92 105 114 131 138 137 138 138 138 140 142 143 144 144 145 146 146 146

Provinsi (Province) 2005 2006 2007 2008 2009

2009 2010

(Number of Islamic Rural Bank based on Location)

Tabel 3. Jumlah Bank Pembiayaan Rakyat Syariah (BPRS) Berdasarkan Lokasi


4


1 UUS Bank Danamon 0 7 70 70 80 137 137 137 137 137 137 137 137 137 137 137 137 137

2 UUS Bank Permata 0 212 184 186 192 192 192 192 192 192 192 192 192 192 192 192 192 192

3 UUS BII 0 4 8 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9

4 UUS Bank Tabungan Negara 0 27 36 64 116 98 107 116 116 116 116 116 116 116 116 116 116 116

5 UUS CIMB Niaga 0 43 63 143 505 441 481 505 505 507 500 500 500 522 522 522 522 522

6 UUS BTPN 0 0 0 8 12 12 12 12 12 12 12 12 12 12 12 12 12 12

7 UUS HSBC 0 0 7 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10

8 UUS BPD DKI 0 10 21 33 34 34 34 34 34 34 34 34 34 34 34 34 34 34

9 UUS BPD Banda Aceh 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

10 UUS BPD Sumut 0 0 63 76 84 84 84 84 84 84 84 84 84 84 84 84 84 84

11 UUS BPD Riau 0 0 8 33 37 33 37 37 37 37 37 37 37 37 37 37 37 37

12 UUS BPD Sumbar 0 0 - 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5

13 UUS BPD Sumsel 0 0 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41 41

14 UUS BPD Jateng 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

15 UUS BPD DIY 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

16 UUS BPD Jatim 0 0 0 0 37 2 2 2 37 37 37 37 37 37 37 37 37 37

17 UUS BPD Kalsel 0 0 10 10 15 15 15 15 15 15 15 15 15 15 15 15 15 15

18 UUS BPD Kalbar 0 0 0 1 5 1 3 5 5 5 5 5 5 5 5 5 5 5

19 UUS BPD Kaltim 0 0 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10

20 UUS BPD Sulsel 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

21 UUS BPD Nusa Tenggara Barat 0 0 1 10 11 11 11 11 11 11 11 11 11 11 11 11 11 11

22 UUS OCBC NISP 0 0 0 0 0 0 0 0 0 0 0 0 0 0

23 UUS Bank Sinarmas 0 0 0 0 0 0 0 0 0 0 0 0 0 0

24 UUS BNI 0 136 636 640 641 641 641 641 641 641 641 641 641 641

25 UUS BPD Jabar dan Banten 0 9 9 28 28 28 28 28 28 28 28 28 28

26 UUS BEI 0 0 0 0

27 UUS Bukopin 0 7 27 29

28 UUS IFI 0 1 1 1

29 UUS BRI 0 0 0 0

30 UUS Lippo 0 0 0

2005 2006 2007 2008 20092010

Tabel 4. Layanan Syariah (Office Channeling)

2009


5


3,523 3,913 4,311 6,609 10,348 9,275 9,587 9,880 10,348 10,304 10,840 11,082 11,919 12,439 13,349 13,594 13,829 13,828

1,436 1,797 2,266 2,562 2,296 2,179 2,232 2,250 2,296 2,365 2,354 2,439 2,469 2,273 1,615 1,717 1,750 1,752

1,037 1,666 2,108 2,581 2,799 2,694 2,803 2,763 2,799 2,793 2,805 2,813 2,838 3,030 3,031 3,039 3,035 3,068 Bank Pembiayaan Rakyat Syariah (Islamic Rural

Bank)

Bank Umum Syariah (Islamic Commercial Bank)

Unit Usaha Syariah (Islamic Business Unit)

20092005 2006 2007 2008 2009

2010

Tabel 5. Jumlah Pekerja di Perbankan Syariah (Number of Worker in Islamic Banking)


6


1 Kas (Cash) 226 346 488 759 1,017 1,158 804 869 1,017 996 941 975 935 1,046 1,161 1,199 1,405 1,803

2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 3,180 3,641 4,540 5,189 10,393 6,545 7,676 7,888 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852

3 Penempatan pada Bank Lain (Placement in Other Bank) 1,058 991 1,667 1,978 3,036 2,262 2,391 2,512 3,036 3,150 3,348 3,337 3,156 3,263 3,458 3,413 3,495 3,609

4 Surat Berharga yang Dimiliki (Investment in Securities) 730 829 1,388 2,683 3,786 2,744 2,852 3,644 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975

5 Pembiayaan (Financing) 15,270 20,445 27,944 38,199 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970

6 Tagihan Lainnya (Billing and Acceptable Liabilities) 21 15 182 136 171 219 184 215 171 173 208 187 213 185 229 263 251 460

7 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 2 31 9 32 24 24 25 25 24 24 24 28 30 13 13 14 14 14

8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 307 515 785 1,148 1,649 1,802 1,800 1,646 1,649 1,755 1,867 1,841 1,905 2,182 2,006 2,089 2,144 2,226

9 Penyertaan (Investment in other entities) 6 6 41 79 83 83 83 83 83 83 83 83 83 88 88 88 88 88

10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 236 270 296 436 672 568 598 601 672 675 677 683 712 737 748 774 783 790

11 Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 24,882 33,853 27,708 28,703 30,542 33,853 33,097 34,311 34,927 35,988 36,441 38,616 40,772 41,205 42,969

12 Rupa-rupa Aktiva (Other assets) 495 621 743 1,200 1,623 1,290 1,296 1,382 1,623 1,729 1,805 1,793 1,805 1,909 2,017 2,085 2,075 2,118

20,880 26,722 36,538 49,555 66,090 58,034 59,679 61,359 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454

PASIVA

1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 36,852 52,271 45,381 46,500 47,887 52,271 53,163 53,299 52,811 54,043 55,067 58,078 60,462 60,972 63,912

2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia) 32 32 32 68 6 6 6 6 6 6 6 5 5 5 5 4 4 4

3 Kewajiban kepada Bank Lain (Liabilities to other Bank) 980 874 1,951 2,419 3,717 2,611 3,006 3,322 3,717 3,392 3,444 3,910 3,596 3,472 3,843 3,937 4,151 4,765

4 Surat Berharga yang Diterbitkan (Securities) 265 268 350 311 340 360 340 340 340 340 340 395 340 340 340 340 340 340

5 Pinjaman Diterima (Received Borrowing) 204 181 155 150 512 551 550 523 512 512 512 506 308 307 299 298 298 290

6 Kewajiban lainnya (Other Liabilities) 210 285 473 727 845 739 729 767 845 819 960 983 1,072 960 1,020 1,033 929 989

7 Pinjaman Subordinasi (Subordinated Loan) - - - - 50 - - - 50 50 50 50 50 50 50 50 50 50

8 Antar Kantor Pasiva (Inter -Office Liabilities) 7,459 10,544 17,428 30,283 37,601 31,699 32,821 34,819 37,601 37,678 38,921 39,939 40,990 41,445 43,037 44,828 46,064 47,789

9 Rupa-rupa Pasiva (Other Liabilities) 185 218 260 463 582 481 522 520 582 618 669 713 614 592 636 686 687 758

10 Modal disetor (Paid-in capital) 951 991 1,017 1,752 1,946 1,801 1,801 1,801 1,946 2,279 2,279 2,284 2,637 3,137 4,138 4,592 4,592 5,092

11 Tambahan modal disetor ( Additional paid-in capital) 132 142 132 466 468 466 466 466 468 135 135 135 689 689 689 1,073 1,073 573

12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) - - - 13 - - - - - 3 3 3 3 3 8 9 14 19

13 Cadangan (Reserves) 230 268 275 335 449 449 449 449 449 449 449 449 465 439 434 464 464 464

a. Cadangan Umum (General Reserves) 230 268 275 335 449 449 449 449 449 449 449 449 465 439 434 464 464 464

b. Cadangan Tujuan (Special Purpose Reserves) - - - - - - - - - - - - - - - - - -

14 Laba (Net Income) -

a. Tahun-tahun lalu (Previous years) (76) 27 149 152 315 308 308 308 315 959 959 907 824 753 733 527 527 527

b. Tahun berjalan (Current year) 238 355 540 432 791 469 558 634 791 83 179 328 425 301 506 604 680 852

TOTAL PASIVA* 20,880 26,722 36,538 49,555 66,090 58,034 59,679 61,359 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454

2006 2007 20082005 2009

2010

* Net

TOTAL AKTIVA*

Tabel 6 . Neraca Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank and Islamic Business Unit Condensed Balance Sheet)

Miliar Rupiah (in Bil l ion IDR )

2009


7


1 Kas (Cash) 11,723 19,341 25,090 25,150 28,938 34,893 30,808 35,673 28,938 35,899 40,455 35,441 30,706 36,970 35,362 31,786 38,126 37,047

2 Penempatan pada Bank Lain (Placement in Other Bank) 102,597 185,208 232,589 334,050 407,663 306,952 337,476 338,007 407,663 415,102 380,181 369,360 364,523 356,863 354,453 377,388 323,802 392,204

3 Pembiayaan (Financing) 417,282 615,469 890,709 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

4 Tagihan Lainnya (Billing and Acceptable Liabilities) - - - - - - - - - - - - - - - - - -

5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 15,119 - - (464) 350 37 350 350 350 350 350 350 350 350 350 350 313 313

6 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 7,901 11,994 17,491 35,339 32,413 31,617 32,385 32,887 32,413 33,018 34,847 34,611 35,415 36,223 36,814 38,581 38,563 40,361

7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 40,499 46,595 42,933 44,908 45,501 46,595 45,827 48,226 48,708 49,530 53,054 54,421 56,800 56,402 57,112

8 Rupa-rupa Aktiva (Other assets) 25,788 52,873 48,921 62,327 73,461 73,845 74,328 76,970 73,461 75,981 80,112 81,556 81,092 83,310 80,456 81,112 83,510 83,833

585,467 896,017 1,215,916 1,693,332 2,123,581 1,962,225 2,014,021 2,051,436 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,092

PASIVA

1 Dana Pihak Ketiga (Depositor Funds) 340,892 521,152 717,858 975,815 1,250,603 1,158,034 1,201,652 1,228,468 1,250,603 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,235 1,457,768

2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 37,110 97,561 175,803 271,481 353,068 315,112 313,243 317,435 353,068 348,109 350,059 377,113 391,543 404,192 441,299 467,608 464,200 489,733

3 Pinjaman Diterima (Received Borrowing) 37,574 39,757 51,544 68,268 56,744 65,340 59,942 55,001 56,744 49,407 52,457 49,641 47,746 46,065 49,909 53,516 56,043 51,385

4 Kewajiban lainnya (Other Liabilities) 8,992 8,808 10,912 19,545 18,419 14,184 14,145 13,758 18,419 16,550 16,735 16,701 16,749 15,684 16,983 18,695 22,105 20,282

5 Pinjaman Subordinasi (Subordinated Loan) 3 3 3 3 353 3 3 3 353 453 803 903 903 253 350 350 350 350

6 Rupa-rupa Pasiva (Other Liabilities) 12,212 16,717 24,989 35,861 33,351 31,957 31,085 33,470 33,351 29,525 31,408 30,860 30,633 38,122 35,889 39,122 40,105 45,769

7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 221,651 294,942 262,843 272,395 285,153 294,942 293,259 296,323 294,904 298,964 310,589 315,472 329,211 327,137 333,146

8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 54,605 41,929 53,510 53,918 44,967 41,929 39,568 44,889 48,594 55,331 56,214 56,906 44,636 45,218 46,292

9 Selisih Penilaian kembali Aktiva Tetap (Different Appraisal Fixed Asset) - - - - - - - - - - - - - - - - - -

10 Cadangan (Reserves) 9,345 16,833 20,684 28,338 36,817 36,439 36,650 36,799 36,817 37,887 38,053 40,529 41,594 47,004 47,545 47,722 48,007 43,209

a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 16,638 22,582 22,219 22,410 22,587 22,582 23,334 24,194 26,345 27,248 30,170 30,621 30,769 31,073 30,947

b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 11,699 14,235 14,220 14,240 14,211 14,235 14,552 13,859 14,184 14,346 16,834 16,924 16,952 16,934 12,262

11 Laba (Net Income) -

a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) (14,501) (22,111) (21,279) (21,346) (21,736) (22,111) 30,021 24,646 12,690 (345) (17,300) (20,858) (22,900) (23,952) (23,414)

b. Tahun berjalan (Current year) 16,499 20,966 27,064 29,787 54,599 41,358 47,561 53,345 54,599 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635

585,467 896,017 1,215,916 1,693,332 1,962,225 1,962,225 2,014,021 2,051,436 2,123,581 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,092

2010

Tabel 7. Neraca Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Balance Sheet)

Juta Rupiah (in Mill ion IDR)

2009

2006 2007 2009

* Net

TOTAL PASIVA*

TOTAL AKTIVA*

20082005


8


1 2,177 3,085 3,795 5,093 6,620 4,759 5,366 5,957 6,620 631 1,244 1,937 2,607 3,267 3,715 4,484 5,252 6,143

2 194 288 406 632 1,551 893 1,003 1,106 1,551 234 225 330 452 526 585 660 756 844

3 565 838 1,260 2,061 3,500 2,502 2,821 3,159 3,500 308 609 951 1,296 1,608 2,077 2,341 2,734 3,131

4 925 1,306 1,468 1,938 2,697 1,970 2,209 2,448 2,697 253 484 745 1,002 1,249 1,411 1,687 1,967 2,271

Total pendapatan (Total Revenue) 2,012 2,905 3,993 5,848 8,975 6,183 6,981 7,773 8,975 920 1,594 2,473 3,353 4,151 4,967 5,798 6,775 7,847

0

1 939 1,324 1,774 2,603 3,135 2,263 2,506 2,807 3,135 466 662 955 1,305 1,832 1,895 2,268 2,664 3,059

2 202 263 317 492 1,485 831 959 1,027 1,485 53 124 206 282 350 417 491 584 671

3 573 904 1,273 2,147 3,523 2,531 2,854 3,188 3,523 308 610 951 1,295 1,609 2,076 2,344 2,741 3,142

Total Beban (Total Expenses) 1,714 2,491 3,365 5,242 8,143 5,625 6,319 7,022 8,143 827 1,395 2,112 2,882 3,790 4,387 5,103 5,989 6,872

298 414 628 605 832 558 663 751 832 93 199 361 471 361 580 696 786 975

16 25 33 78 (73) 0 0 0 (73) 0 0 0 0 0 0 0 2 2

282 389 595 528 904 558 663 751 904 93 199 361 471 361 580 695 784 973

44 34 55 92 135 90 105 118 135 10 20 33 46 60 74 92 108 125

238 355 540 432 791 469 558 634 791 83 179 328 425 301 506 604 680 852

D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)

E. Laba tahun berjalan sebelum pajak (Net Income before Tax)

2005

Pendapatan Operasional (Operating Revenue)

2006

B. Beban (Expenses)

Pendapatan non operasional (Non operating Revenue)

Beban operasional (Operating Expenses)

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted

Investment) -/-

Beban non operasional (Non Operating Expenses)

Beban operasional lainnya (Other Operating Expenses)

C. Laba tahun berjalan (Income)

F. Taksiran pajak penghasilan (Tax Expense) -/-

G. Laba setelah taksiran pajak penghasilan (Net Income)

2010

Tabel 8. Laporan Laba Rugi Gabungan Bank Umum Syariah dan Unit Usaha Syariah (Islamic Commercial Bank dan Islamic Business Unit Condensed Income Statement )

Miliar Rupiah (in Bill ion IDR)

20092007 2008 2009

Pendapatan Operasional Lainnya (Other operating Revenue)

A. Pendapatan (Revenue)


9


1 97,275 154,633 203,063 293,964 382,183 275,332 308,403 342,616 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965

2 9,629 15,945 22,927 32,883 43,074 29,801 33,482 37,955 43,074 3,735 7,919 12,696 17,140 21,757 26,361 31,006 35,644 37,972

3 1,249 3,676 6,159 6,714 8,085 5,635 6,255 6,892 8,085 376 721 1,237 1,732 2,335 2,981 3,583 4,117 5,300

4 33,430 49,949 77,246 108,154 138,769 100,230 112,361 125,618 138,769 12,991 26,052 39,794 54,246 69,208 84,076 99,240 113,894 130,010

Total pendapatan (Total Revenue) 88,894 142,364 186,295 267,795 347,193 251,167 281,176 311,553 347,193 30,165 61,981 94,854 129,179 165,762 201,396 239,196 271,987 315,293

0

1 49,378 82,315 105,458 162,045 194,209 139,589 155,161 172,237 194,209 15,926 34,023 51,838 68,801 87,964 106,966 128,157 148,417 172,254

2 2,518 10,217 8,455 14,767 24,593 16,408 18,278 19,752 24,593 1,864 5,312 7,992 9,987 13,591 15,996 19,432 22,243 24,588

3 1,378 3,310 6,797 8,214 8,565 5,732 6,331 6,951 8,565 765 1,037 1,414 1,810 2,096 2,520 2,978 3,537 3,956

Total Beban (Total Expenses) 53,274 95,842 120,709 185,027 227,368 161,729 179,770 198,940 227,368 18,556 40,371 61,244 80,598 103,651 125,482 150,567 174,196 200,799

21,449 27,407 34,193 40,381 67,000 49,163 56,009 62,545 67,000 6,063 11,336 19,120 28,487 36,354 44,299 51,401 55,181 60,420

180 300 372 626 967 513 562 685 967 78 187 191 268 338 405 509 606 664

21,269 27,107 33,821 39,755 66,033 48,650 55,447 61,860 66,033 5,984 11,149 18,929 28,219 36,016 43,894 50,892 54,575 59,755

4,770 6,224 7,013 9,976 11,495 6,939 7,886 8,898 11,495 874 1,819 2,595 3,619 4,646 5,589 6,588 7,311 8,128

16,499 20,883 26,809 29,787 54,562 41,358 47,561 53,345 54,562 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635

Pendapatan Operasional Lainnya (Other operating Revenue)

A. Pendapatan (Revenue)

G. Laba setelah taksiran pajak penghasilan (Net Income)

F. Taksiran pajak penghasilan (Tax Expense) -/-

Beban non operasional (Non Operating Expenses)

B. Beban (Expenses)

E. Laba tahun berjalan sebelum pajak (Net Income before Tax)

Pendapatan Operasional (Operating Revenue)

C. Laba tahun berjalan (Income)

D. Penambahan/pengurangan Laba tahun berjalan (Additional/Reduction)

Beban operasional lainnya (Other Operating Expenses)

2008

Beban operasional (Operating Expenses)

2010


20092005 2006 2007 2009

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted

Investment) -/-

Pendapatan non operasional (Non operating Revenue)

Tabel 9. Laporan Laba Rugi Gabungan Bank Pembiayaan Rakyat Syariah (Islamic Rural Bank Condensed Income Statement )


10


1 67 90 135 180 154 92 106 121 154 9 16 25 39 54 65 83 106 131

2 20 19 19 32 45 28 31 34 45 4 7 12 17 22 29 37 41 45

87 109 153 212 200 119 137 155 200 12 23 37 56 75 93 120 147 176

Biaya pendidikan dan pelatihan (Cost of education and training)

Biaya promosi (Cost of promotion)

Total

20092005 2006 2007 2008 2009

2010

(Cost of Promotion, Education and Training - Islamic Commercial Bank and Islamic Business Unit)

Tabel 10. Biaya Promosi, Pendidikan dan Pelatihan - Bank Umum Syariah dan Unit Usaha Syariah)



11


1 826 1,300 2,284 4,178 4,826 3,273 3,664 4,184 4,826 269 629 949 1,390 1,844 2,353 2,877 3,474 4,224

2 686 1,649 1,889 2,727 3,622 2,195 2,523 3,026 3,622 382 675 993 1,357 1,713 2,255 2,688 2,976 3,383

1,512 2,949 4,173 6,905 8,448 5,468 6,188 7,210 8,448 651 1,304 1,942 2,747 3,556 4,608 5,565 6,450 7,607

Biaya promosi (Cost of promotion)

2009

Total

Biaya pendidikan dan pelatihan (Cost of education and training)

2007 2008 20092010

(Cost of Promotion, Education and Training - Islamic Rural Bank)

Tabel 11. Biaya Promosi, Pendidikan dan Pelatihan - Bank Pembiayaan Rakyat Syariah


2005 2006


12


Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) - - - - - - - - - - - - - - - - - -

Posisi pembelian spot yang masih berjalan (Spot purchases) 2 1 17 - - - - - - 3 - - - - 2 - - -

Posisi pembelian forward yang masih berjalan (Forward purchases) - - - - - - - - - - - - - - - - - -

Lainnya (others) - 2 1 91 45 35 45 46 45 83 175 176 164 168 64 52 36 37

-

Fasil itas piutang qardh yang belum ditarik (Qardh facililies that are not yet

withdrawn) 1 1 2 14 5 10 14 12 5 8 2 6 11 9 9 11 10 7

Fasil itas pembiayaan kepada nasabah yang belum ditarik (Financing facililies

that are not yet withdrawn) 246 444 613 1,612 1,502 1,522 1,704 1,600 1,502 1,818 1,909 1,996 2,262 2,014 2,126 2,189 2,499 2,641

Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank

financing facilities) 7 0 4 8 15 11 12 12 15 12 12 12 29 29 27 14 42 45

Irrevocable L/C yang masih berjalan (Irrevocable L/Cs) 33 167 66 141 146 167 123 199 146 169 244 243 230 96 123 87 175 175

Posisi penjualan spot yang masih berjalan (Spot sales) 2 4 - - - - - - - - - - - - - - - -

Posisi penjualan forward yang masih berjalan (Forward sales) - - - - - - - - - - - - - - - - - -

Lainnya (others) 0 32 0 33 6 5 14 13 6 13 12 11 7 5 10 4 4 5

-

Garansi (Kafalah) yang diterima (Kafalah guarantees received) 0 0 10 0 3 2 2 2 3 1 3 3 3 3 3 2 2 2

Pendapatan yang akan diterima (Income will be received) 16 33 53 22,588 82 256,293 73,979 127,914 82 61 70 81 80 96 84 81 80 131,012

Lainnya (Others) 14 1 1 78 1 316 320 361 1 0 1 0 0 0 0 0 3 6

-

Garansi (Kafalah) yang diberikan (Guarantees issued) 151 223 390 838 968 948 922 979 968 1,038 947 926 979 879 926 909 937 945

Lainnya (Others) 2 2 3 - 2 0 1 3 2 2 1 1 1 1 1 0 0 0

-

Aktiva produktif yang dihapusbuku (Written off earning assets) 116 208 336 648 1,684 1,250 1,297 1,371 1,684 1,363 1,359 1,353 1,427 1,461 1,476 1,698 1,649 1,652

Penerusan dana mudharabah muqayyadah (Channeling of mudharabh

muqayaydah) 194 316 362 429 349 346 349 349 349 347 350 351 349 351 357 362 365 369

Kewajiban Komitmen (Liabilities commitment )

Tagihan Komitmen (Claim Contingency)

Kewajiban Komimen (Liabilities Contingency)

Lainnya (Others)

2005 2006 2007

Tagihan Komitmen (Claim comintment )

2009

2008 2009

2010

(Off Balance Sheet Account - Islamic Commercial Bank and Islamic Business Unit)

Tabel 12. Rekening Administratif - Bank Umum Syariah dan Unit Usaha Syariah



13


Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) 512 4,789 1,945 29,607 12,013 8,014 18,934 16,994 12,013 13,849 24,095 16,026 7,403 7,372 25,827 23,953 26,471 24,271

Lainnya (others) - 843 2,478 4 2 33 33 2 2 2 3,947 2 2 2 2 2 2 2

-

Fasil itas pembiayaan kepada nasabah yang belum ditarik (financing facililies

that are not yet withdrawn) 6,246 4,395 6,420 5,770 6,617 6,922 6,600 6,905 6,617 6,726 5,739 7,114 7,141 7,277 7,298 7,644 7,569 6,439

Fasilitas pembiayaan kepada bank syariah lain yang belum ditarik (other bank

financing facilities) - - - - - - - - - - - - - - - - 390 -

Lainnya (others) 202 9 - 22 44 710 161 161 44 9 9 44 44 44 9 9,368 9 9

-

Garansi (Kafalah) yang diterima (Kafalah guarantees received) - - - - - - - - - - - - - - - - - -

Pendapatan yang akan diterima (Income will be received) 4,784 43,072 9,140 12,151 17,467 18,792 18,754 88,959 17,467 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 17,606

Lainnya (Others) 2,550 1,450 1,136 1,165 5,517 402 359 550 5,517 520 1,681 725 1,327 685 1,551 2,319 2,444 2,438

7,489 12,231 12,773 19,126 31,847 29,458 29,276 29,701 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288 33,742

16,883 36,471 33,336 52,640 66,947 62,624 53,920 67,628 66,947 60,703 50,285 59,491 58,970 60,179 59,038 62,596 66,112 61,383

Aktiva produktif yang dihapusbuku (Written off earning assets)

Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah)

Tagihan Komitmen (Claim Contingency)

Tagihan Komitmen (Claim comintment )

Kewajiban Komitmen (Liabilities commitment)

2005 2006 2007 2008 2009

2010

(Off Balance Sheet Account - Islamic Rural Bank)

Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah


2009


14


1 2,048 3,416 3,750 4,238 6,202 5,492 5,355 5,752 6,202 6,041 6,587 5,881 5,965 6,054 10,038 10,338 7,291 7,407

2 4,367 6,430 9,454 12,471 16,475 14,578 14,759 15,079 16,475 16,362 16,341 16,688 16,863 17,428 18,351 18,449 18,521 19,461

a Akad Wadiah (Wadia) 183 332 645 958 1,538 1,268 1,340 1,568 1,538 1,553 1,598 1,886 1,986 2,322 2,547 2,418 2,504 2,658

b Akad Mudharabah (Mudharaba) 4,184 6,098 8,809 11,513 14,937 13,310 13,418 13,511 14,937 14,809 14,742 14,802 14,877 15,106 15,804 16,031 16,018 16,803

3 9,169 10,826 14,807 20,143 29,595 25,311 26,386 27,056 29,595 30,760 30,371 30,243 31,215 31,584 29,689 31,675 35,159 37,044

a 1 Bulan (1 month) 3,835 5,234 9,309 14,325 19,794 15,930 16,685 17,384 19,794 20,748 20,054 20,226 21,212 21,546 19,597 21,365 24,478 26,171

b 3 Bulan (3 months) 2,228 1,973 1,406 1,919 4,544 3,803 4,083 4,252 4,544 4,942 5,124 5,073 4,803 5,081 4,832 5,140 5,153 5,473

c 6 Bulan (6 months) 1,480 1,231 1,296 1,827 1,758 1,708 1,784 1,844 1,758 1,796 1,946 1,937 1,939 1,963 2,101 2,118 2,262 2,160

d 12 Bulan (12 months) 1,625 2,143 2,787 2,066 3,497 3,868 3,832 3,574 3,497 3,272 3,246 3,007 3,260 2,987 3,154 3,052 3,265 3,240

e > 12 Bulan (> 12 months) 1 245 9 6 1 1 1 1 1 1 0 0 0 6 6 1 1 1

15,584 20,672 28,012 36,852 52,271 45,381 46,500 47,887 52,271 53,163 53,299 52,811 54,043 55,067 58,079 60,462 60,972 63,912

2009

2009

Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )

Tabungan iB (iB Saving Deposits)

2010

(Depositor Funds Composition of Islamic Commercial Bank and Islamic Business Unit)

20082007

Tabel 14 . Komposisi DPK - Bank Umum Syariah dan Unit Usaha Syariah


2005 2006

Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)

Total


15


1 - - - - - - - - - - - - - - - - - -

2 160,906 231,440 296,890 441,291 492,682 492,682 505,760 512,945 553,397 558,179 565,741 560,770 569,195 586,408 572,926 590,065 556,908 596,875

a Akad Wadiah (Wadia) 48,600 73,634 86,708 161,450 209,991 209,991 215,600 219,913 234,282 238,550 245,953 242,971 245,308 248,243 249,227 259,715 249,721 261,362

b Akad Mudharabah (Mudharaba) 112,306 157,806 210,182 279,841 282,691 282,691 290,160 293,032 319,115 319,629 319,788 317,799 323,887 338,165 323,699 330,350 307,187 335,513

3 173,325 289,712 420,968 534,524 665,352 665,352 695,892 715,523 697,213 725,316 744,443 749,217 777,226 799,133 812,808 828,662 839,127 860,893

a 1 Bulan (1 month) 25,327 58,518 63,504 68,141 138,184 138,184 110,747 119,990 110,360 108,763 110,991 111,775 114,561 120,250 125,368 126,334 126,513 129,143

b 3 Bulan (3 months) 31,371 45,288 49,724 55,818 76,815 76,815 91,717 94,318 95,514 103,342 109,424 113,242 117,225 121,159 121,954 125,424 129,604 133,287

c 6 Bulan (6 months) 35,403 60,348 45,915 68,875 157,831 157,831 116,873 170,744 125,492 135,714 135,806 139,237 148,809 147,218 146,207 142,351 144,609 149,487

d 12 Bulan (12 months) 78,877 122,300 205,596 270,133 275,875 275,875 358,965 314,095 348,963 361,433 369,522 365,131 375,632 389,197 397,538 410,150 414,415 422,346

e > 12 Bulan (> 12 months) 2,347 3,258 56,229 71,557 16,646 16,646 17,590 16,375 16,884 16,064 18,700 19,833 20,999 21,308 21,740 24,403 23,985 26,630

334,231 521,152 717,858 975,815 1,158,034 1,158,034 1,201,652 1,228,468 1,250,609 1,283,495 1,310,184 1,309,987 1,346,422 1,385,541 1,385,733 1,418,726 1,396,035 1,457,768

2007 2008

2009

20092005 2006

Deposito iB - Akad Mudharabah (iB Time Deposits - Mudharaba)

Total

Giro iB - Akad Wadiah (iB Demand Deposits - Wadia )

Tabungan iB (iB Saving Deposits)

2010

(Depositor Funds Composition of Islamic Rural Bank)

Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah

Juta Rupiah ( in Mill ion IDR )


16


464 1,282 1,840 2,363 2,694 2,131 2,290 2,611 2,694 2,889 2,933 2,883 2,965 3,003 3,088 3,294 3,330 3,392

2,395 2,357 2,599 2,545 3,076 2,635 2,835 2,142 3,076 3,373 2,972 2,425 3,027 1,656 2,734 2,576 1,882 2,310

321 2 101 280 4,623 1,779 2,552 3,135 4,623 5,059 3,932 3,327 2,612 3,164 2,521 3,144 2,295 4,150

3,180 3,641 4,540 5,189 10,393 6,545 7,676 7,888 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852

Tabel 16. Penempatan pada Bank Indonesia - Bank Umum Syariah dan Unit Usaha Syariah (Deposit in Bank Indonesia - Islamic Commercial Bank and Islamic Business Unit)


2008

2009

2007 200920062005

2010

Total

SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank

Indonesia Islamic Certificate)

Lainnya (Others)

Giro Wadiah (Wadiah Demand Deposits)


17


1 - - 4 279 1,103 251 316 1,103 1,103 1,103 1,104 1,105 1,104 1,104 1,104 1,106 1,105 1,105

2 704 828 1,384 2,400 2,641 2,489 2,494 2,499 2,641 2,706 3,212 3,259 3,644 3,868 4,200 4,593 4,742 4,827

3 26 1 - 4 42 4 42 42 42 42 42 42 42 42 42 42 42 42

Tabel 17 . Surat Berharga yang Dimiliki Bank Umum Syariah dan Unit Usaha Syariah (Investment in Securities of Islamic Commercial Bank and Islamic Business Unit)


2006 2007 2008 2009

2009 2010

Lainnya (Others)

Surat Berharga Pasar Keuangan Syariah (Islamic Financial

Market Securities)

Surat Berharga Pasar Modal Syariah (Islamic Capital Market

Securities)

2005


18


Akad Mudharabah (Mudharaba) 3,124 4,062 5,578 6,205 6,597 6,459 6,440 6,506 6,597 6,556 6,592 6,716 6,933 7,231 7,593 7,856 8,207 8,292

Akad Musyarakah (Musharaka) 1,898 2,335 4,406 7,411 10,412 10,007 10,184 10,359 10,412 10,363 10,725 11,216 11,632 11,950 12,420 12,645 13,323 13,305

Akad Murabahah (Murabaha) 9,487 12,624 16,553 22,486 26,321 25,046 25,499 25,570 26,321 26,532 27,288 28,269 28,922 29,744 31,108 32,027 33,310 33,967

Akad Salam (Salam) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Akad Istishna (Istishna) 282 337 351 369 423 415 421 431 423 402 411 406 404 410 392 383 389 380

Akad Ijarah (ijara) 316 836 516 765 1,305 1,195 1,212 1,251 1,305 1,313 1,321 1,324 1,486 1,569 1,839 2,047 2,134 2,123

Akad Qardh (Qardh) 125 250 540 959 1,829 1,400 1,490 1,609 1,829 1,974 2,141 2,275 2,274 2,319 2,449 2,675 2,912 2,902

Lainnya (Others) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970

2010

(Financing Composition of Islamic Commercial Bank and Islamic Business Unit)

Tabel 18. Komposisi Pembiayaan Yang Diberikan Bank Umum Syariah dan Unit Usaha Syariah

Miliar Rupiah (in Bill ion IDR )

2009

2006 2007 20082005Akad (Contract) 2009


19




Akad Murabahah (Murabaha) 337,566 505,633 716,240 1,011,743 1,269,900 1,196,883 1,213,241 1,237,253 1,269,900 1,277,588 1,331,195 1,359,346 1,406,532 1,448,029 1,487,086 1,519,599 1,540,553 1,549,744

Akad Salam (Salam) 90 30 0 38 105 0 0 105 105 0 4 4 169 167 160 117 0 0

Akad Istishna (Istishna) 1,844 1,361 13,467 24,683 32,766 34,663 35,707 34,882 32,766 32,436 33,130 33,468 34,017 33,593 33,376 33,596 33,404 32,113

Akad Ijarah (ijara) 6,816 6,783 3,661 5,518 7,803 8,181 7,961 7,970 7,803 8,219 8,524 9,964 9,613 9,935 9,725 11,715 13,282 13,395

Akad Qardh (Qardh) 6,666 9,969 19,038 40,308 50,018 54,301 56,576 55,253 50,018 49,908 53,900 53,532 57,328 59,429 62,401 64,041 62,751 60,390

Multijasa (Multi Purpose Financing) 0 0 6,106 17,988 28,578 28,085 26,712 28,809 28,578 29,085 29,904 29,826 33,652 35,389 39,232 43,024 44,024 45,897

Total 417,282 615,469 890,709 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

2010

(Financing Composition of Islamic Rural Bank)

Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah

Juta Rupiah ( in Mill ion IDR)

2005 20082007 2009

2009

2006Akad (Contract)


20

SEKTOR EKONOMI

ECONOMIC SECTOR Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Pertanian, kehutanan dan sarana pertanian 687 701 837 1,177 1,331 1,288 1,286 1,330 1,331 1,386 1,325 1,563 1,555 1,661 1,678 1,671 1,675 1,671

Agriculture, forestry and agricultural facilities

Pertambangan 395 375 511 965 1,047 998 1,013 1,009 1,047 1,002 958 1,116 1,072 1,081 1,098 1,073 1,090 1,096

Mining

Perindustrian 933 940 1,371 1,340 1,579 1,477 1,469 1,495 1,579 1,612 1,551 1,768 1,976 2,072 2,107 2,172 2,168 2,126

Manufacturing

Li s trik, gas dan a i r 66 17 166 248 698 591 653 670 698 699 835 848 803 857 910 927 1,040 1,134

Water, gas and electricity

Konstruks i 1,548 1,637 2,371 3,368 3,516 3,705 3,673 3,648 3,516 3,515 3,504 3,831 3,976 3,930 4,083 3,996 4,319 4,015

Construction

Perdagangan, restoran dan hotel 1,716 3,041 4,152 4,426 5,000 5,370 5,545 5,719 5,000 5,732 5,577 6,114 6,186 6,397 6,787 6,855 7,062 7,136

Trade, restaurants and hotels

Pengangkutan, pergudangan dan komunikas i 1,261 1,165 1,569 2,759 3,349 3,080 3,146 3,168 3,349 3,208 3,067 3,499 3,552 3,565 3,575 3,554 3,519 3,435

Transport, cargo storage and communication

Jasa dunia usaha 4,504 5,458 8,425 11,757 13,664 13,334 13,465 13,369 13,664 13,775 15,126 14,294 14,712 15,355 16,103 16,872 18,016 18,517

Business Services

Jasa sos ia l/masyarakat 1,208 1,456 1,904 2,463 2,661 2,616 2,617 2,704 2,661 2,537 2,455 2,596 2,622 2,687 2,755 2,736 2,613 2,694

Social Services

La in-la in 2,913 5,655 6,639 9,693 14,042 12,063 12,378 12,616 14,042 13,673 14,080 14,577 15,196 15,618 16,705 17,776 18,771 19,146

Others

Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970

2010

(Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)

Tabel 20. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi

Miliar Rupiah (in Bill ion IDR )

2005 2006 2007 2008 20092009


21

SEKTOR EKONOMI


Pertanian, kehutanan dan sarana pertanian 11,874 17,720 24,436 41,613 54,486 51,307 52,184 53,911 54,486 56,859 62,417 64,779 67,917 71,842 73,597 108,627 113,075 101,229


Pertambangan 138 485 944 1,287 998 1,507 1,406 1,275 998 894 833 884 804 773 796 1,036 759 802

Mining

Perindustrian 9,207 12,465 12,447 15,885 20,420 19,882 19,973 20,278 20,420 20,643 21,511 27,513 24,279 24,254 23,464 25,758 24,505 24,332

Manufacturing

Li s trik, gas dan a i r 109 748 367 1,146 1,055 927 1,183 1,554 1,055 814 1,052 1,066 1,057 1,097 1,160 1,212 1,231 2,104


Konstruks i 3,495 6,570 16,051 26,536 48,178 52,416 54,920 53,340 48,178 45,235 45,308 49,353 50,643 52,367 54,901 55,851 61,394 64,215

Construction



Pengangkutan, pergudangan dan komunikas i 3,618 8,704 9,075 17,697 17,289 19,575 18,597 18,530 17,289 18,387 19,344 18,562 18,809 19,999 19,866 20,785 19,929 21,827


Jasa dunia usaha 49,031 72,194 99,050 140,989 176,760 185,913 181,506 183,851 176,760 174,229 184,240 191,193 196,143 204,064 213,361 265,577 269,595 269,401

Business Services

Jasa sos ia l/masyarakat 5,155 5,632 6,402 22,609 16,451 12,730 14,641 16,805 16,451 15,887 17,553 18,877 19,660 21,829 22,701 23,666 23,887 26,091

Social Services

La in-la in 144,072 235,392 422,148 617,942 765,264 698,039 715,268 748,706 765,264 755,550 783,555 791,275 834,504 862,217 891,578 823,401 825,481 875,899

Others

Total 417,282 615,469 886,117 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

2010

(Financing of Islamic Rural Bank based on Economic Sector)

Tabel 21. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi

Juta Rupiah (in Mill ion IDR )

20092005 2006 2007 2008 2009


22


Modal Kerja Nilai (Amount) 7,988 10,405 15,656 20,554 22,873 23,056 23,195 23,358 22,873 23,548 24,046 24,798 25,524 26,453 27,848 28,315 29,445 29,688

Working Capital Pangsa (Share) 52.4% 50.9% 56.0% 53.8% 48.8% 51.8% 51.3% 51.1% 48.8% 50.0% 49.6% 49.4% 49.4% 49.7% 49.9% 49.1% 48.9% 48.7%

Investasi Nilai (Amount) 4,288 4,374 5,637 7,907 9,955 9,371 9,641 9,721 9,955 9,901 10,337 10,814 10,913 11,136 11,233 11,526 12,043 12,120

Investment Pangsa (Share) 28.1% 21.4% 20.2% 20.7% 21.2% 21.0% 21.3% 21.3% 21.2% 21.0% 21.3% 21.5% 21.1% 20.9% 20.1% 20.0% 20.0% 19.9%

Konsumsi Nilai (Amount) 2,956 5,666 6,652 9,734 14,058 12,095 12,410 12,647 14,058 13,691 14,097 14,595 15,213 15,634 16,721 17,792 18,787 19,162

Consumption Pangsa (Share) 19.4% 27.7% 23.8% 25.5% 30.0% 27.2% 27.4% 27.7% 30.0% 29.0% 29.1% 29.1% 29.5% 29.4% 30.0% 30.9% 31.2% 31.4%

15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970

2010

(Financing of Islamic Commercial Bank and Islamic Business Unit Bank based on Type of Usage)

Tabel 22 . Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan


2005 2006

Total

2007 2008 2009

2009 JENIS PENGGUNAAN

TYPE OF USAGE


23


Modal Kerja Nilai (Amount) 236,794 357,743 497,472 664,644 767,538 858,195 781,539 778,595 767,538 764,030 792,005 816,222 847,657 881,584 907,707 1,016,629 1,032,901 1,068,388






417,282 615,469 890,070 1,256,610 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

2010

(Financing of Islamic Rural Bank based on Type of Usage)

Tabel 23. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan


Total

2008 2009

2009

TYPE OF USAGE

JENIS PENGGUNAAN

2005 2006 2007


24

GOLONGAN PEMBIAYAAN

TYPE OF FINANCING Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Usaha Kecil dan Menengah 10,196 14,872 19,566 27,063 35,799 32,576 33,493 34,495 35,799 36,093 37,631 39,127 40,609 41,697 43,989 45,479 45,227 45,902

Small and Medium Enterprises

Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 11,132 11,087 11,947 11,753 11,231 11,087 11,047 10,848 11,079 11,042 11,526 11,812 12,154 15,048 15,068

Non Small and Medium Enterprises

Total 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970

(Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)

Tabel 24. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan


2010

2005 2006 20082007 2009

2009


25

GOLONGAN PEMBIAYAAN


Usaha Kecil dan Menengah 273,212 380,079 575,028 657,359 833,076 817,331 838,259 830,528 833,076 806,344 801,715 877,024 917,281 949,740 969,593 993,723 1,013,746 1,109,465


Selain Usaha Kecil dan Menengah *) 144,072 235,392 315,044 599,291 753,843 706,084 708,606 745,701 753,843 780,235 852,160 813,547 839,974 867,621 903,977 932,020 940,433 870,447


Total 417,284 615,471 890,072 1,256,650 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,571 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

2010

(Financing of Islamic Rural Bank based on Type of Financing)

Tabel 25 . Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan


2007

*) Sektor Ekonomi : Lain-lain, Jenis Penggunaan : Konsumsi dan/atau plafond > Rp. 5 Miliar (Economic Sector : Others, Type of Usage: Consumption, and/or financing limit > IDR 5 billion )

2005 2006 2008 2009

2009


26

KOLEKTIBILITAS PEMBIAYAAN

COLLECTIBILITY OF FINANCING Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

Lancar (Performing Financing) 14,803 19,474 26,813 36,686 45,004 41,975 42,753 43,192 45,004 45,086 46,177 47,932 49,342 50,683 53,631 55,244 57,805 58,563

Lancar (Current) 14,027 18,583 25,494 35,076 41,931 38,815 39,656 39,977 41,931 41,329 42,058 44,065 45,505 46,725 49,310 50,812 52,845 54,240

Dalam Perhatian Khusus (Special Mention) 776 891 1,319 1,610 3,074 3,161 3,097 3,216 3,074 3,757 4,120 3,867 3,837 3,958 4,321 4,433 4,960 4,324

Non Lancar (Non Performin Financing) 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 1,054 2,275 2,309 2,540 2,170 2,388 2,470 2,406

Kurang Lancar (Sub-Standard) 201 353 321 525 435 1,136 1,036 898 435 621 822 1,067 1,028 1,007 769 947 865 833

Diragukan (Doubtful) 73 236 267 224 582 341 276 746 582 397 232 165 259 312 305 244 380 352

Macet (Lost) 155 383 543 759 865 1,070 1,180 889 865 1,036 ` 1,043 1,022 1,221 1,097 1,197 1,226 1,221

Total Pembiayaan (Total Financing) 15,232 20,445 27,944 38,195 46,886 44,523 45,246 45,726 46,886 47,140 47,231 50,206 51,651 53,223 55,801 57,633 60,275 60,970

Percentage of NPFs 2.82% 4.75% 4.05% 3.95% 4.01% 5.72% 5.51% 5.54% 4.01% 4.36% 2.23% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95%

2010

(Financing of Islamic Commercial Bank and Islamic Business Unit based on Collectibility)

Tabel 26. Pembiayaan - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kualitas Pembiayaan


2005 2007 20092009

2006 2008


27

jutaan rupiah (in million rupiah)

Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep

371,781 564,373 820,058 1,151,287 1,475,306 1,399,736 1,427,061 1,444,450 1,475,306 1,469,834 1,530,111 1,565,973 1,630,827 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770

45,501 51,096 72,350 105,322 111,613 123,679 119,804 131,779 111,613 116,746 123,764 124,599 126,429 129,557 129,698 137,901 140,318 147,142

Kurang Lancar (Sub-Standard ) 12,290 16,267 22,674 35,322 31,049 42,524 37,708 42,704 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875

Diragukan (Doubtful ) 23,338 19,760 17,090 21,307 30,687 36,245 32,554 34,002 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142

Macet (Loss ) 9,873 15,069 32,586 48,693 49,877 44,910 49,543 55,073 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125

417,282 615,469 892,408 1,256,609 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,572 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

10.90% 8.30% 8.11% 8.38% 7.03% 8.12% 7.74% 8.36% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43%Percentages of NPFs

2009 20102005 2006 2007 2008

Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan

(Financing of Islamic Rural Bank based on Collectibility)


(COLLECTIBILITY OF FINANCING)

Total Pembiayaan (Total Financing )

Non Lancar (Non Performing Financing )

Lancar (Non Performing Financing)

milyar rupiah


371,781 564,373 820,058 1,151,287 1,475,306 1,399,736 1,427,061 1,444,450 1,475,306 1,469,834 1,530,111 1,565,973 1,630,827 1,687,803 1,743,872 1,787,842 1,813,861 1,832,770

45,501 51,096 72,350 105,322 111,613 123,679 119,804 131,779 111,613 116,746 123,764 124,599 126,429 129,557 129,698 137,901 140,318 147,142

Kurang Lancar (Sub-Standard ) 12,290 16,267 22,674 35,322 31,049 42,524 37,708 42,704 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875

Diragukan (Doubtful ) 23,338 19,760 17,090 21,307 30,687 36,245 32,554 34,002 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142

Macet (Loss ) 9,873 15,069 32,586 48,693 49,877 44,910 49,543 55,073 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125

417,282 615,469 892,408 1,256,609 1,586,919 1,523,415 1,546,866 1,576,229 1,586,919 1,586,580 1,653,875 1,690,572 1,757,256 1,817,361 1,873,570 1,925,743 1,954,179 1,979,912

10.90% 8.30% 8.11% 8.38% 7.03% 8.12% 7.74% 8.36% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43%

Tabel 27. Pembiayaan - Bank Pembiayaan Rakyat Syariah berdasarkan Kualitas Pembiayaan

(Financing of Islamic Rural Bank based on Collectibility)


(COLLECTIBILITY OF FINANCING)

Total Pembiayaan (Total Financing )

Non Lancar (Non Performing Financing )

Lancar (Non Performing Financing)

Percentages of NPFs

2009 20102005 2006 2007 2008


28

SEKTOR EKONOMI


Pertanian, kehutanan dan sarana pertanian 34 40 21 10 64 36 37 35 64 72 30 43 49 57 61 63 70 70


Pertambangan 14 25 80 213 20 80 86 54 20 20 20 26 25 36 36 60 24 23

Mining

Perindustrian 82 219 229 289 184 183 208 179 184 190 179 182 183 186 185 187 188 190

Manufacturing

Li s trik, gas dan a i r 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0


Konstruks i 23 57 89 140 180 255 215 282 180 239 276 219 252 307 257 334 336 259

Construction

Perdagangan, restoran dan hotel 78 205 254 278 436 444 465 473 436 472 456 468 481 516 317 372 358 360


Pengangkutan, pergudangan dan komunikas i 42 88 119 91 177 187 180 233 177 182 177 245 303 254 182 176 224 385


Jasa dunia usaha 68 187 141 297 311 607 552 618 311 338 602 543 535 662 649 616 656 586

Business Services

Jasa sos ia l/masyarakat 22 40 41 44 59 146 142 132 59 65 62 65 74 82 73 153 165 83

Social Services

La in-la in 65 110 157 148 450 609 608 528 450 475 498 482 406 439 409 425 447 449

Others

Total 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406

2010

(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector)

Tabel 28. Pembiayaan Non Lancar Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi


20092009

20062005 2007 2008


29

juta rupiah (in million IDR)


Pertanian, kehutanan dan sarana pertanian 1,259 1,472 1,783 3,839 3,741 5,067 4,715 4,954 3,741 4,344 5,150 5,023 5,060 5,433 5,586 6,492 5,880 5,994

Pertambangan - 10 270 1 309 596 559 506 309 308 248 247 164 177 161 161 151 152

Perindustrian 1,913 1,377 1,652 2,317 3,090 2,926 3,619 3,846 3,090 3,190 2,641 3,384 3,320 3,623 3,722 3,577 3,425 3,796

Listrik, gas dan air - 43 1 214 75 63 72 184 75 76 52 55 64 40 40 44 47 66

Konstruksi 55 158 908 4,526 4,484 5,238 4,575 4,810 4,484 4,763 4,810 5,086 5,998 6,261 6,163 6,785 7,024 7,040


Pengangkutan, pergudangan dan komunikasi 198 491 705 1,538 1,705 2,545 1,722 1,829 1,705 1,949 1,952 2,175 1,695 1,714 1,600 1,738 1,740 2,172

Jasa dunia usaha 6,269 6,802 8,593 16,421 10,416 13,018 12,362 15,715 10,416 12,647 13,544 13,901 14,333 14,506 15,255 14,243 15,251 17,658

Jasa sosial/masyarakat 551 449 254 676 516 792 709 1,316 516 620 1,812 1,583 1,011 1,694 1,486 2,102 1,488 2,460

Lain-laing 8,850 9,988 20,139 36,568 41,539 40,435 40,326 45,601 41,539 40,505 41,065 41,971 45,006 45,873 44,848 46,948 47,876 49,049

45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142



Business Services

Social Services

20092009

Others

Total


Mining

Manufacturing


Construction

Tabel 29. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi

(Non Performing Financing of Islamic Rural Bank based on Economic Sector)

SEKTOR EKONOMI2005 2006 2007 2008

2010

(ECONOMIC SECTOR)


30


Modal Kerja Nilai (Amount) 216 604 647 871 899 1,209 1,244 1,371 899 1,007 1,223 1,161 1,200 1,392 1,149 1,262 1,256 1,175


Investasi Nilai (Amount) 148 258 326 489 534 730 640 634 534 572 581 631 703 709 612 701 767 783


Konsumsi Nilai (Amount) 65 110 158 148 450 609 608 529 450 475 498 482 406 439 410 425 447 449


429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406

2009

2009


JENIS PENGGUNAAN

TYPE OF USAGE

2005

Total

2006 2007 2008

2010

(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage)

Tabel 30. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan


31




Working Capital Pangsa (Share ) 75.2% 75.8% 73.6% 71.4% 61.7% 66.8% 64.0% 63.6% 61.7% 62.2% 62.0% 62.0% 60.5% 61.4% 61.7% 62.1% 61.0% 63.1%


Investment Pangsa (Share ) 9.8% 10.7% 8.5% 8.4% 9.6% 9.8% 9.7% 9.8% 9.6% 8.1% 9.5% 9.0% 9.9% 9.0% 9.4% 9.0% 8.9% 9.2%


Consumption Pangsa (Share ) 15.0% 13.6% 17.9% 20.2% 26.6% 28.7% 23.4% 26.3% 26.6% 28.7% 29.8% 28.5% 29.0% 29.7% 29.6% 28.9% 29.0% 27.7%

45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 Total

20092009

Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

(Non Performing Financing of Islamic Rural Bank based on Type of Usage)

JENIS PENGGUNAAN2005 2006 2007 2008

2010

(TYPE OF USAGE)








45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,012 Total

JENIS PENGGUNAAN

TYPE OF USAGE


Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

Juta Rupiah (in Million IDR)

2005 2006 2007 2008 2009

2009 2010



Modal Kerja Nilai (Amount) 34,239 38,716 53,267 75,154 82,579 76,643 8,378 68,821 72,600 76,741 77,282 76,459 79,513 80,041 85,896 85,538 92,904

Working Capital Pangsa (Share ) 75.2% 75.8% 73.6% 71.4% 66.8% 64.0% 63.6% 61.7% 62.2% 62.0% 62.0% 60.5% 61.4% 61.7% 62.1% 61.0% 63.1%

Investasi Nilai (Amount) 4,454 5,445 6,114 8,890 12,117 11,676 12,877 10,723 9,402 11,711 11,198 12,482 11,676 12,174 12,360 12,525 13,481

Investment Pangsa (Share ) 9.8% 10.7% 8.5% 8.4% 9.8% 9.7% 9.8% 9.6% 8.1% 9.5% 9.0% 9.9% 9.0% 9.4% 9.0% 8.9% 9.2%

Konsumsi Nilai (Amount) 6,808 6,936 12,968 21,278 32,068 28,982 31,485 32,068 34,744 35,313 36,119 37,488 38,368 37,483 39,945 42,256 40,756

Consumption Pangsa (Share ) 15.0% 13.6% 17.9% 20.2% 28.7% 23.4% 26.3% 26.6% 28.7% 29.8% 28.5% 29.0% 29.7% 29.6% 28.9% 29.0% 27.7%

45,501 51,096 72,349 105,322 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 Total

Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan


JENIS PENGGUNAAN2005 2006 2007 2008

2009 2010

(TYPE OF USAGE)








45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,012 Total

JENIS PENGGUNAAN

TYPE OF USAGE


Tabel 31 . Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan

Juta Rupiah (in Million IDR)

2005 2006 2007 2008 2009

2009 2010


32

GOLONGAN PEMBIAYAAN


Usaha Kecil dan Menengah 330 725 798 985 1,611 1,663 1,633 1,644 1,611 1,741 1,864 1,619 1,879 2,061 1,720 1,991 2,096 2,040


Selain Usaha Kecil dan Menengah 99 246 333 524 271 884 860 890 271 312 438 430 430 479 450 398 374 366


Total 429 971 1,131 1,509 1,882 2,547 2,492 2,534 1,882 2,053 2,302 2,049 2,309 2,540 2,170 2,388 2,470 2,406

2010

(Non Performing Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing)

Tabel 32. Pembiayaan Non Lancar - Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Pembiayaan


2009

2009

2005 2006 2007 2008


33


GOLONGAN PEMBIAYAAN

(TYPE OF FINANCING) Sep Oct Nov Des Jan Feb Mar Apr May Jun Jul Aug Sep

Usaha Kecil dan Menengah 45,501 41,108 53,267 69,501 70,160 81,108 77,963 84,391 70,160 71,330 80,842 79,687 81,973 84,181 85,620 89,191 91,272 97,629


Selain Usaha Kecil dan Menengah - 9,988 22,028 35,821 41,453 42,571 41,841 47,388 41,453 45,415 42,923 44,912 44,456 45,376 44,078 48,710 49,046 49,513

Non Small and Medium Enterprise

Total 45,501 51,096 72,349 105,322 111,612 123,678 119,804 131,779 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142

20092009

Tabel 31. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

(Non Performing Financing of Islamic Rural Bank based on Type of FInancing)

2005 2006 2007 20082010


34


Dana Pihak Ketiga (Depositor Funds ) 1,255,889 1,992,452 2,845,829 3,766,067 4,537,565 4,549,370 4,353,109 4,400,670 4,537,565 4,483,636 4,625,738 4,786,190 4,821,406 4,892,028 5,064,242 5,070,648 5,264,503 5,762,528

Giro iB (Demand Deposits) 26,100 34,499 42,741 51,123 71,635 60,401 62,745 70,734 71,635 71,818 74,350 75,817 66,576 68,179 108,398 69,407 71,674 71,547

Tabungan iB (Saving Deposits) 1,168,786 1,883,875 2,711,374 3,600,205 4,315,582 4,350,940 4,149,917 4,183,185 4,315,582 4,258,203 4,397,190 4,552,475 4,596,472 4,663,639 4,791,828 4,838,047 5,022,684 5,494,294

Deposito iB (Time Deposits) 61,003 74,078 91,714 114,739 150,348 138,029 140,447 146,751 150,348 153,615 154,198 157,898 158,358 160,210 164,016 163,194 170,145 196,687

Pembiayaan (Financing ) 144,699 372,109 512,230 597,208 686,535 653,666 660,790 674,298 686,535 700,792 721,334 734,232 744,949 749,059 756,688 771,882 781,859 787,507




Akad Salam (Salam) - - - - - - - - - - - - - - - - - -

Akad Istishna (Istishna) 408 387 392 695 1,346 1,283 1,298 1,324 1,346 1,336 1,365 1,366 1,368 1,370 1,335 1,278 1,287 1,292

Akad Ijarah (ijara) 129 443 1,007 1,912 4,192 2,763 2,854 3,061 4,192 4,468 4,747 4,912 5,673 5,925 6,303 6,411 6,713 6,475

Akad Qardh (Qardh) 6,077 12,462 26,455 55,112 100,370 78,906 85,399 93,574 100,370 110,319 120,482 127,899 131,508 132,628 135,039 147,469 152,893 155,438

1,400,588 2,364,561 3,358,059 4,363,275 5,224,100 5,203,036 5,013,899 5,074,968 5,224,100 5,184,428 5,347,072 5,520,422 5,566,355 5,641,087 5,820,930 5,842,530 6,046,362 6,550,035

2010

(Number of Account of Islamic Commercial Bank and Islamic Business Unit)

Tabel 34 . Jumlah rekening Bank Umum Syariah dan Unit Usaha Syariah

satuan (in unit)

20072009

2008 2009

Total

2005 2006Jenis


35


Dana Pihak Ketiga (Depositor Funds) 221,070 287,203 339,914 437,464 517,944 461,969 471,091 484,387 517,944 485,927 498,060 500,327 507,948 523,479 516,919 519,898 516,855 534,996

Giro iB (Demand Deposits) - - - - - - - - - - - - - - - - - -

Tabungan iB (Saving Deposits) 214,866 279,046 329,272 423,550 500,414 445,640 454,259 467,290 500,414 467,928 479,827 482,184 489,352 504,600 498,325 501,049 498,294 515,702

Deposito iB (Time Deposits) 6,204 8,157 10,642 13,914 17,530 16,329 16,832 17,097 17,530 17,999 18,233 18,143 18,596 18,879 18,594 18,849 18,561 19,294

Pembiayaan (Financing) 47,627 70,415 110,415 115,050 131,258 130,101 133,189 134,325 131,258 131,811 134,900 134,610 138,302 140,387 142,827 144,957 144,946 145,190




Akad Salam (Salam) 10 1 5 5 1 - - 1 1 - 1 1 3 3 3 3 - -

Akad Istishna (Istishna) 314 310 403 438 768 701 714 746 768 765 773 795 805 809 816 820 821 818

Akad Qardh (Qardh) 2,547 3,991 8,816 11,795 13,712 15,646 16,771 16,949 13,712 13,775 14,253 14,482 15,327 14,625 15,461 15,845 15,327 14,426

Akad Ijarah (ijara) 790 991 727 577 903 911 913 891 903 931 954 981 1,025 1,023 1,019 1,047 1,078 1,060

Multijasa (Multi Purpose Financing) - - 1,933 2,504 3,259 3,101 3,034 3,082 3,259 3,310 3,441 3,398 3,749 4,003 4,298 4,668 4,799 5,032

268,697 357,618 450,329 552,514 649,202 592,070 604,280 618,712 649,202 617,738 632,960 634,937 646,250 663,866 659,746 664,855 661,801 680,186

2010

(Number of Account of Islamic Rural Bank)

Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah

satuan (in unit)

20092006 2007 2008 2009

Total

Jenis 2005


36


Dana Pihak Ketiga (Depositor Funds)

1 1.16% 1.27% 1.07% 1.18% 0.96% 1.01% 1.02% 0.89% 0.96% 0.92% 0.90% 0.98% 0.92% 0.99% 1.20% 0.97% 0.94% 0.96%

2 3.96% 3.72% 3.32% 3.61% 2.76% 3.06% 2.93% 2.73% 2.76% 2.50% 2.43% 2.85% 2.54% 2.68% 2.64% 2.65% 2.51% 2.94%

3

a 1 Bulan (1 month) 7.86% 8.96% 7.63% 8.22% 6.92% 6.78% 7.01% 6.75% 6.92% 5.31% 6.54% 6.77% 6.60% 6.37% 6.63% 6.91% 6.69% 6.59%

b 3 Bulan (3 months) 8.03% 9.81% 7.93% 9.10% 7.25% 7.36% 7.51% 7.19% 7.25% 6.07% 6.86% 7.09% 6.88% 6.81% 6.67% 6.85% 7.03% 6.86%

c 6 Bulan (6 months) 8.82% 9.57% 8.25% 8.67% 8.44% 7.05% 7.16% 6.89% 8.44% 6.15% 6.64% 7.72% 7.66% 6.76% 7.31% 7.04% 7.31% 6.96%

d 12 Bulan (12 months) 9.35% 9.99% 8.34% 8.34% 9.06% 9.20% 9.38% 9.09% 9.06% 7.68% 7.51% 8.64% 8.31% 7.49% 6.89% 7.00% 8.39% 7.26%

e > 12 Bulan (> 12 months) 7.83% 10.04% 7.17% 8.63% 8.63% 8.42% 8.21% 8.46% 8.63% 8.53% 8.05% 7.15% 6.91% 8.10% 9.65% 6.03% 6.15% 6.58%

Pembiayaan (Financing)

1 12.75% 13.73% 16.93% 19.38% 19.11% 19.33% 19.25% 19.09% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53% 17.60% 17.59% 17.27% 17.03%

2 8.46% 10.25% 11.23% 11.37% 11.72% 11.04% 11.21% 11.49% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30% 11.39% 11.04% 10.92% 10.95%

3 13.05% 12.09% 14.66% 14.92% 16.07% 15.78% 15.65% 15.95% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69% 73.30% 15.77% 15.51% 15.49%

4 - - - - - - - - - - - - - - - - - -

5 13.80% 13.46% 14.30% 14.99% 13.89% 14.16% 14.12% 14.04% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18% 13.08% 13.90% 14.00% 13.86%

6 0.59% 0.66% 0.16% 0.88% 0.76% 0.78% 0.75% 0.73% 0.76% 0.75% 0.75% 0.74% 0.66% 0.64% 121.08% 0.50% 0.48% 0.48%

7 5.25% 5.33% 2.89% 3.42% 4.34% 3.78% 3.97% 3.98% 4.34% 4.34% 4.34% 4.24% 4.29% 4.15% 4.11% 3.98% 3.84% 3.98%

(Equivalent rate of return/profit sharing/fee/bonus of Islamic Commercial Bank and Islamic Business Unit)

Tabel 36. Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Umum Syariah dan Unit Usaha Syariah

2005

Akad Musyarakah (Musharaka)

2010

Giro iB (Demand Deposits)

2008

Akad Ijarah (ijara)

Akad Salam (Salam)

Akad Murabahah (Murabaha)

20092009

Akad Mudharabah (Mudharaba)

Deposito iB (Time Deposits)

2006

Akad iIstishna (Istishna)

Akad Qardh (Qardh)

Tabungan iB (Saving Deposits)

2007


37



1 - - - - - - - - - - - - - - - - - -

2 5.69% 10.62% 5.50% 6.62% 6.19% 5.78% 5.84% 5.94% 6.19% 5.36% 5.69% 6.07% 6.07% 5.97% 6.04% 6.01% 5.80% 5.49%

3

a 1 Bulan (1 month) 8.79% 12.73% 10.64% 10.47% 12.03% 11.38% 11.31% 11.17% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53% 11.30% 11.30% 11.64% 11.46%

b 3 Bulan (3 months) 10.60% 12.44% 11.65% 13.16% 12.43% 11.81% 12.13% 12.40% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47% 11.48% 11.23% 11.17% 11.08%

c 6 Bulan (6 months) 12.98% 13.68% 12.14% 13.74% 13.38% 13.07% 13.20% 13.48% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07% 13.43% 12.89% 13.27% 12.90%

d 12 Bulan (12 months) 9.27% 12.58% 12.31% 13.09% 12.30% 11.85% 12.21% 12.59% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00% 12.07% 11.92% 11.91% 11.74%

e > 12 Bulan (> 12 months) 13.54% 14.48% 11.52% 13.03% 12.26% 12.28% 12.22% 12.19% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00% 11.92% 12.02% 12.12% 12.12%

Pembiayaan (Financing)

1 21.28% 18.16% 21.28% 18.49% 18.59% 19.77% 19.58% 19.63% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42% 17.59% 18.23% 17.98% 18.86%

2 20.96% 23.15% 20.77% 23.28% 15.97% 17.35% 17.23% 16.80% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96% 14.97% 16.01% 15.84% 16.23%

3 17.88% 18.72% 20.30% 19.56% 19.22% 19.32% 19.56% 19.45% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57% 19.60% 19.49% 19.62% 19.71%

4 - - - - - - - - - - - - - - - - - -

5 18.45% 20.01% 7.43% 7.39% 7.35% 6.46% 6.48% 6.90% 7.35% 7.39% 7.29% 7.28% 7.11% 7.17% 7.27% 7.53% 7.71% 7.93%

6 0.84% 0.54% 0.21% 0.11% 0.10% 0.13% 0.10% 0.10% 0.10% 0.09% 0.11% 0.19% 0.08% 0.08% 0.09% 0.07% 0.07% 0.06%

7 - - - - - - - - - - - - - - - - - -

8 - - - - - - - - - - - - - - - - - -

2008 2009

Akad Musyarakah (Musharaka)

Akad Salam (Salam)

2009

Multijasa (Multi Purpose Financing)

Akad Qardh (Qardh)

Akad iIstishna (Istishna)

Akad Murabahah (Murabaha)

Akad Ijarah (ijara)

Tabungan iB (Saving Deposits)

Akad Mudharabah (Mudharaba)

Deposito iB (Time Deposits)

Giro iB (Demand Deposits)

20072010

(Equivalent rate of return/profit sharing/fee/bonus of Islamic Rural Bank )

Tabel 37 . Ekuivalen tingkat imbalan/bagi hasil/fee/bonus - Bank Pembiayaan Rakyat Syariah

2005 2006


38


1 CAR¹⁾ 12.41% 13.73% 10.67% 12.81% 10.77% 11.50% 11.50% 11.17% 10.77% 11.26% 11.43% 11.07% 12.12% 12.31% 12.89% 14.66% 14.23% 14.58%

2 ROA 1.35% 1.55% 2.07% 1.42% 1.48% 1.38% 1.46% 1.48% 1.48% 1.65% 1.76% 2.13% 2.06% 1.25% 1.66% 1.67% 1.64% 1.80%

3 ROE¹⁾ 27.58% 28.45% 40.38% 38.79% 26.09% 28.33% 27.33% 27.52% 26.09% 20.51% 23.95% 32.02% 27.97% 25.07% 21.51% 21.24% 20.13% 21.92%

4 NPF 2.82% 4.75% 4.05% 1.42% 4.01% 5.72% 5.51% 5.54% 4.01% 4.36% 4.75% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95%

5 FDR 97.75% 98.90% 99.76% 103.65% 89.70% 98.11% 97.30% 95.49% 89.70% 88.67% 90.96% 95.07% 95.57% 96.65% 96.08% 95.32% 98.86% 95.40%

6 BOPO 78.91% 76.77% 76.54% 81.75% 84.39% 84.05% 83.28% 83.08% 84.39% 84.87% 79.73% 76.27% 77.15% 85.79% 79.99% 79.77% 80.36% 79.10%

1) Hanya data Bank Umum Syariah (Islamic Commercial Bank only)

Tabel 38. Rasio Keuangan Bank Umum Syariah dan Unit Usaha Syariah

(Financial Ratios of Islamic Commercial Bank and Islamic Business Unit)

Rasio (Ratio) 2005 2006 2007 2008 20092009 2010


39


1 CAR na na 34.72% 30.28% 29.98% 30.27% 33.46% 34.57% 29.98% 30.80% 33.25% 31.35% 30.70% 29.60% 29.64% 29.20% 27.17% 28.79%

2 ROA 4.05% 3.79% 3.21% 2.76% 5.00% 3.10% 3.42% 3.46% 5.00% 3.55% 3.48% 3.57% 3.67% 3.97% 3.71% 3.68% 3.52% 3.47%

3 ROE 11.21% 9.82% 11.21% 14.77% 21.55% 18.04% 20.54% 20.98% 21.55% 11.65% 11.29% 12.20% 13.20% 15.33% 14.07% 14.08% 13.14% 13.17%

4 NPF 10.90% 8.30% 8.11% 8.38% 7.03% 8.12% 7.74% 8.36% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.42%

5 FDR 122.41% 118.10% 124.08% 128.78% 126.89% 131.55% 128.73% 128.31% 126.89% 123.61% 126.23% 129.05% 130.51% 131.17% 135.20% 135.74% 139.96% 135.82%

6 BOPO 70.63% 77.33% 76.58% 80.85% 64.69% 72.91% 65.02% 65.37% 64.69% 76.30% 76.78% 76.18% 75.35% 75.34% 75.20% 75.61% 76.49% 76.93%

2009

2009Rasio (Ratio) 2005 2006 2007 2008

2010

(Financial Ratios of Islamic Rural Bank)

Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah


40

Total Aset (Rp)

Total Assets (in IDR) Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep

< 1 Mi l iar (< 1 Billion) 11 7 13 7 8 8 8 9 8 10 10 10 11 6 6 6 6 5

1 s .d. 5 Mi l iar (1 up to 5 Billion) 51 57 46 50 38 38 38 38 38 35 35 39 37 42 39 39 39 40

> 5 s .d. 10 Mi l iar (>5 up to 10 Billion) 17 22 24 34 40 43 39 40 40 41 39 34 36 35 40 38 38 36

> 10 Mi l iar (> 10 Billion) 13 19 31 40 52 48 53 52 52 54 58 60 60 61 60 63 63 65

Total 92 105 114 131 138 137 138 139 138 140 142 143 144 144 145 146 146 146

2010

(Number of Islamic Rural Bank based on Total Assets)

Tabel 40. Jumlah Bank Pembiayaan Rakyat Syariah Berdasarkan Total Aset

satuan (in unit)

2005 2006 2007 2008 2009

2009


41

Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 1) Aug Sep

1 hari (Overnight) na 276 542 2,259 700 879 839 482 700 373 536 903 638 487 491 107 350 2,226

2-6 hari (2 up to 6 days) na 334 66 450 890 354 163 328 890 347 1,146 801 773 581 488 190 764 190

7 hari (7 days) na 106 304 961 129 195 293 421 129 340 738 1,088 698 411 480 409 1,060 86

8-26 hari (8 up to 26 days) na 74 193 148 682 670 758 931 682 510 654 435 429 570 460 600 720 767

27-30 hari (27 up to 30 days) na - 64 - 470 420 6 420 470 - - 20 2 - 129 72 100 125

>30 hari (> 30 days) na 5 - 10 18 - 420 - 18 - - 372 - - 5 20 - -

1) Data koreksi (revised)

(Volume of Transaction of Interbank Islamic Money Market)

Tabel 41. Volume Transaksi PUAS


Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)

2010

2005 2006 2007 2008 2009

2009


42

Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 1) Aug Sep

1 hari (Overnight) na 5.92% 6.59% 9.54% 6.01% 6.07% 5.66% 6.21% 6.01% 6.15% 5.93% 6.00% 5.96% 6.00% 5.94% 6.17% 6.10% 5.67%

2-6 hari (2 up to 6 days) na 7.80% 6.58% 9.97% 6.13% 6.13% 6.11% 5.92% 6.13% 6.10% 6.05% 5.98% 6.01% 6.09% 6.07% 6.21% 6.13% 6.11%

7 hari (7 days) na 8.18% 6.66% 10.30% 6.33% 6.30% 6.34% 6.12% 6.33% 6.27% 5.81% 5.96% 6.01% 6.07% 6.16% 6.22% 6.29% 6.16%

8-26 hari (8 up to 26 days) na 8.60% 6.48% 10.65% 6.55% 6.61% 6.53% 6.73% 6.55% 6.78% 6.54% 5.92% 6.17% 6.48% 6.44% 6.45% 6.38% 6.20%

27-30 hari (27 up to 30 days) na - 7.18% - 6.65% 6.48% - 6.47% 6.65% - - 6.60% 5.80% - 6.42% 6.36% 6.35% 6.35%

>30 hari (> 30 days) na 6.90% - 10.75% 6.92% - 6.48% - 6.92% - - 6.27% - - 7.00% 6.50% - -

1) Data koreksi (revised)

2010

(Weighted Average Rate of Return of IMA Certificate)

Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA

2007

Sumber data : Pusat Informasi Pasar Uang (Source of data : Money Market Information Center)

2008 2009

2009

2005 2006


43

Miliar Rupiah (in Billion IDR)

Aset Gross Pembiayaan Dana Pihak Ketiga

(Gross Assets) (Financing) (Depositor Funds)

DI Aceh 2,377 1,368 1,105 123.82% 3.25%

Sumatera Utara 5,160 3,402 2,403 141.55% 7.79%

Sumatera Barat 2,226 1,272 1,067 119.28% 1.58%

Sumatera Selatan 2,481 1,453 1,295 112.27% 1.99%

Bangka Belitung 123 101 83 120.93% 0.00%

Jambi 631 591 322 183.39% 4.33%

Bengkulu 321 289 178 161.93% 3.65%

Riau 2,763 1,417 1,286 110.18% 4.13%

Kepulauan Riau 825 732 432 169.36% 2.72%

Lampung 1,008 789 529 148.93% 2.26%

DKI Jakarta 65,972 24,447 28,270 86.48% 5.03%

Jawa Barat 12,551 6,959 7,973 87.28% 3.41%

Banten 3,545 1,827 2,818 64.82% 3.07%

Jawa Tengah 5,443 3,640 3,007 121.05% 3.05%

DI Yogyakarta 2,057 808 1,124 71.88% 4.42%

Jawa Timur 7,389 4,811 5,158 93.27% 1.25%

Bali 287 248 208 119.39% 0.14%

Kalimantan Barat 1,191 688 623 110.57% 1.05%

Kalimantan Tengah 156 69 103 67.11% 1.34%

Kalimantan Timur 2,555 1,490 1,660 89.77% 3.44%

Kalimantan Selatan 2,368 1,113 1,035 107.52% 0.88%

Sulawesi Utara 288 218 104 208.45% 4.87%

Gorontalo 158 148 120 123.20% 4.66%

Sulawesi Barat 47 38 34 112.64% 199.75%

368 324 238 136.43% 1.47%

Sulawesi Tenggara 221 181 207 87.58% 2.84%

Sulawesi Selatan 1,890 1,575 1,030 152.93% 0.13%

Maluku 60 13 59 21.66% 3.78%

Maluku Utara 115 57 98 58.71% 4.95%

NTB 635 511 364 140.46% 0.63%

NTT 61 56 47 117.95% 0.57%

Irian Jaya Barat 90 82 77 106.29% 0.21%

Papua 366 251 167 150.51% 1.53%

Luar Indonesia 692 2 689 0.34% 67169.03%

Propinsi FDR NPF

Tabel.43. Total Aset Gross, Pembiayaan, Dana Pihak Ketiga dan NPF Bank Umum Syariah dan Unit Usaha Syairah Berdasarkan Propinsi

(Total of Gross Assets, Financing, Depositor Funds, percetage of FDR, percentage of NPF Islamic Commercial Bank and Islamic Business Unit based on Province)


44

Propinsi (Province)Aset (Assets) Pembiayaan (Financing)

Dana Pihak Ketiga

(Depositor Funds)FDR NPF

DI Aceh 66,197 44,181 33,085 133.54% 16.07%

Sumatera Utara 80,011 55,470 55,700 99.59% 7.11%

Sumatera Barat 87,500 70,384 60,488 116.36% 3.66%

Sumatera Selatan 6,831 4,071 3,534 115.20% 5.62%

Bangka Bel i tung 154,655 124,724 117,416 106.22% 7.32%

Jambi - - - - -

Bengkulu 48,737 41,571 29,899 139.04% 5.47%

Riau 50,388 38,164 23,772 160.54% 5.24%

Kepulauan Riau 11,034 10,140 5,101 198.78% 11.90%

Lampung 79,096 57,952 32,034 180.90% 6.29%

DKI Jakarta 19,235 15,878 4,147 382.89% 2.64%

Jawa Barat 740,301 593,971 416,678 142.55% 5.74%

Banten 277,376 209,150 188,575 110.91% 10.59%

Jawa Tengah 195,495 142,765 116,289 122.77% 6.94%

DI Yogyakarta 110,890 81,717 81,345 100.46% 8.12%

Jawa Timur 400,429 328,838 188,806 174.17% 9.47%

Bal i 5,311 5,167 4,367 118.34% 20.95%

Kal imantan Barat - - - - -

Kal imantan Tengah - - - - -

Kal imantan Timur - - - - -

Kal imantan Selatan 21,620 14,172 13,632 - 4.38%

Sulawes i Utara - - - - -

Gorontalo - - - - -

Sulawes i Barat - - - - -

Sulawes i Tengah - - - - -

Sulawes i Tenggara - - - - -

Sulawes i Selatan 110,416 71,658 55,832 128.35% 9.53%

Maluku - - - - -

Maluku Utara - - - - -

NTB 55,352 37,025 26,597 139.21% 5.29%

NTT - - - - -

Irian Jaya Barat - - - - -

Papua 1,222 802 470 170.51% 9.78%

Tabel. 44. Total Aset, Pembiayaan, Dana Pihak Ketiga, FDR dan NPF Bank Pembiayaan Rakyat Syariah berdasarkan Propinsi

(Total of Gross Assets, Financing, Depositor Funds, percentage of FDR, percentage of NPF Islamic Rural Banks based on Province)



45

Pertanian, kehutanan dan

sarana pertanian Pertambangan Perindustrian Lis trik, gas dan a i r Konstruks i

Perdagangan, restoran

dan hotel

Pengangkutan, pergudangan

dan komunikas i Jasa dunia usaha

Jasa sos ia l /

masyarakat La in-la in

Agriculture, forestry and

agricultural facilitiesMining Manufacturing

Water, gas and

electricity Construction

Trade, restaurants and

hotels

Transport, cargo storage and

communicationBusiness Services Social Services Others

DI Aceh 8 - 8 - 87 195 6 256 39 769

Sumatera Utara 558 4 91 14 237 794 27 650 120 908

Sumatera Barat 29 2 10 - 5 219 6 320 54 627

Sumatera Selatan 78 0 4 1 96 289 3 342 43 597

Bangka Bel i tung 1 0 - - - 3 - 11 29 58

Jambi 40 5 0 - 8 163 0 158 20 197

Bengkulu 58 - - - 2 61 5 93 17 53

Riau 230 - 4 1 95 177 66 331 18 494

Kepulauan Riau 2 0 4 - 1 66 14 233 10 403

Lampung 49 1 4 7 3 149 4 401 22 149

DKI Jakarta 368 930 743 1,038 2,638 2,313 2,675 7,947 752 5,045

Jawa Barat 22 7 216 22 239 604 217 2,314 498 2,819

Banten 1 5 104 1 28 131 10 705 178 663

Jawa Tengah 16 27 700 1 95 709 12 857 153 1,071

DI Yogyakarta 2 - 24 20 4 173 4 263 49 270

Jawa Timur 76 12 179 26 209 269 36 1,319 365 2,319

Bal i - 0 - 0 0 27 - 6 90 126

Kal imantan Barat 5 0 2 - 32 97 141 105 10 296

Kal imantan Tengah 1 - - - - 2 - 38 3 26

Kal imantan Timur 15 5 15 - 89 177 64 627 66 431

Kal imantan Selatan 3 71 5 0 21 53 132 485 45 298

Sulawes i Utara 2 - 0 4 5 66 1 124 - 14

Gorontalo 0 - 3 - 2 47 2 4 67 22

Sulawes i Barat 15 - 0 - - 4 0 3 2 13

Sulawes i Tengah 5 1 0 1 7 42 1 96 4 167

Sulawes i Tenggara - 13 0 - - 5 0 121 - 42

Sulawes i Selatan 3 0 5 - 17 136 2 549 19 844

Maluku - - - - - - - 3 - 10

Maluku Utara - - - - - - - 14 7 37

NTB 3 9 5 0 55 65 0 60 3 312

NTT - 2 - - 28 1 1 11 4 8

Irian Jaya Barat - - - - 1 31 - 28 5 17

Papua 84 - 0 - 9 69 2 41 3 43

Luar Indonesia - 0 - - - - 1 - 1 -

Miliar Rupiah (in Bil l ion IDR)

Propinsi (Province)

Tabel. 45. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Sektor Ekonomi dan Propinsi

( Financing of Islamic Commercial Bank and Islamic Business Unit based on Economic Sector and Province)


46

Pertanian, kehutanan dan

sarana pertanian Pertambangan Perindustrian Lis trik, gas dan a i r Konstruks i

Perdagangan, restoran dan

hotel

Pengangkutan,

pergudangan dan

komunikas i

Jasa dunia usaha Jasa sos ia l /

masyarakat La in-la in

Agriculture, forestry and

agricultural facilitiesMining Manufacturing

Water, gas and

electricity Construction Trade, restaurants and hotels

Transport, cargo storage and

communicationBusiness Services Social Services Others

DI Aceh 1,543 - 811 4 1,006 27,197 99 2,993 1,122 9,406 Sumatera Utara 2,437 - 1,205 224 893 14,595 344 5,054 535 30,183 Sumatera Barat 4,161 121 641 237 1,788 35,267 1,476 4,496 1,774 20,422 Sumatera Selatan 238 - 482 - - 677 24 203 66 2,382 Bangka Bel i tung 5,485 81 125 170 11,683 53,430 1,045 27,243 140 25,294 Jambi - - - - - - - - - - Bengkulu 16,064 - 642 - 358 14,127 46 366 35 9,883 Riau 1,047 - 579 - 151 8,431 1,491 9,320 406 17,422 Kepulauan Riau 26 - - - - 3,118 131 1,335 175 5,355 Lampung 4,685 - 647 - 1,637 6,356 27 2,086 288 42,227 DKI Jakarta - - - - - 2,026 - 3,566 - 10,286 Jawa Barat 31,897 222 7,292 1,353 8,319 126,157 10,535 62,796 12,620 335,829 Banten 211 46 1,282 - 4,521 98,040 463 69,420 4,157 54,318 Jawa Tengah 8,944 175 2,715 42 21,473 46,090 2,160 14,626 1,354 45,927 DI Yogyakarta 1,318 - 2,766 42 2,173 20,193 301 24,409 1,313 29,216 Jawa Timur 21,115 157 3,584 29 2,701 89,320 1,312 30,691 1,656 179,136 Bal i - - 707 - - 2,800 4 335 7 1,314 Kal imantan Barat - - - - - - - - - -

Kal imantan Tengah - - - - - - - - - -

Kal imantan Timur - - - - - - - - - -

Kal imantan Selatan 755 - 5 4 - 3,378 1,887 6,387 - 1,757

Sulawes i Utara - - - - - - - - - - Gorontalo - - - - - - - - - - Sulawes i Barat - - - - - - - - - - Sulawes i Tengah - - - - - - - - - - Sulawes i Tenggara - - - - - - - - - - Sulawes i Selatan 439 - 892 - 7,290 12,362 7 1,077 20 53,026 Maluku - - - - - - - - - - Maluku Utara - - - - - - - - - - NTB 857 - 9 - 221 30,207 401 2,931 423 1,977 NTT - - - - - - - - - - Irian Jaya Barat - - - - - - - - - - Papua 8 - - - - 189 - 67 - 538


( Financing of Islamic Rural Bank based on Economic Sector and Province)

Propinsi (Province)

Tabel. 46. Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Sektor Ekonomi dan Propinsi


47

Modal Kerja Investasi Konsumsi

Agriculture, forestry and agricultural facilities Mining Manufacturing

DI Aceh 505 94 769

Sumatera Utara 1,582 913 908

Sumatera Barat 522 124 627

Sumatera Selatan 630 227 597

Bangka Bel i tung 15 29 58

Jambi 308 86 197

Bengkulu 219 17 53

Riau 557 364 495

Kepulauan Riau 200 128 404

Lampung 541 99 149

DKI Jakarta 13,044 6,350 5,053

Jawa Barat 3,300 834 2,825

Banten 929 234 663

Jawa Tengah 2,139 431 1,071

DI Yogyakarta 424 114 270

Jawa Timur 1,846 646 2,319

Bal i 108 15 126

Kal imantan Barat 197 195 296

Kal imantan Tengah 11 33 26

Kal imantan Timur 589 470 431

Kal imantan Selatan 450 364 298

Sulawes i Utara 200 4 14

Gorontalo 102 24 22

Sulawes i Barat 21 4 13

Sulawes i Tengah 140 18 167

Sulawes i Tenggara 139 0 42

Sulawes i Selatan 613 118 844

Maluku 3 - 10

Maluku Utara 20 - 37

NTB 108 91 312

NTT 25 22 8

Irian Jaya Barat 64 1 17

Papua 135 72 43

Luar Indones ia 1 1 -


Tabel. 47. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Jenis Penggunaan dan Propinsi

( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Usage and Province)

Propinsi (Province)


48

Modal Kerja Investasi Konsumsi

Working Capital Investment Consumption

DI Aceh 34,388 3,609 6,183

Sumatera Utara 23,610 2,596 29,264

Sumatera Barat 42,641 9,070 18,672

Sumatera Selatan 1,313 376 2,382

Bangka Bel i tung 105,669 7,052 12,003

Jambi - - -

Bengkulu 30,621 6,131 4,819

Riau 17,516 6,365 14,967

Kepulauan Riau 2,927 2,015 5,199

Lampung 14,288 9,605 34,058

DKI Jakarta 14,561 91 1,225

Jawa Barat 246,641 51,085 299,294

Banten 154,370 37,009 41,079

Jawa Tengah 74,515 27,963 41,029

DI Yogyakarta 50,044 9,208 22,478

Jawa Timur 147,008 21,604 161,090

Bal i 2,839 1,472 857

Kal imantan Barat - - -

Kal imantan Tengah - - -

Kal imantan Timur - - -

Kal imantan Selatan 12,553 - 1,619

Sulawes i Utara - - -

Gorontalo - - -

Sulawes i Barat - - -

Sulawes i Tengah - - -

Sulawes i Tenggara - - -

Sulawes i Selatan 64,019 761 10,333

Maluku - - -

Maluku Utara - - -

NTB 28,663 6,536 1,827

NTT - - -

Irian Jaya Barat - - -

Papua 203 67 532

Propinsi (Province)


Tabel. 48 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Jenis Penggunaan dan Propinsi

(Financing of Islamic Rural Bank based on Type of Usage and Province)


49

Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah

Small and Medium Enterprises Non Small and Medium Enterprises

DI Aceh 1,071 297

Sumatera Utara 2,423 979

Sumatera Barat 995 277

Sumatera Selatan 745 709

Bangka Bel i tung 4 97

Jambi 586 5

Bengkulu 275 14

Riau 1,196 221

Kepulauan Riau 640 92

Lampung 671 117

DKI Jakarta 19,758 4,690

Jawa Barat 5,214 1,745

Banten 1,112 714

Jawa Tengah 3,080 560

DI Yogyakarta 592 217

Jawa Timur 4,152 659

Bal i 194 54

Kal imantan Barat 493 196

Kal imantan Tengah 51 18

Kal imantan Timur 1,393 97

Kal imantan Selatan 933 180

Sulawes i Utara 195 22

Gorontalo 140 8

Sulawes i Barat 20 17

Sulawes i Tengah 154 170

Sulawes i Tenggara 47 134

Sulawes i Selatan 1,195 380

Maluku 13 -

Maluku Utara 8 50

NTB 356 154

NTT 44 12

Irian Jaya Barat 36 46

Papua 240 11

Luar Indones ia 1 1


Tabel. 49. Total Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi

( Financing of Islamic Commercial Bank and Islamic Business Unit based on Type of Financing and Province)

Propinsi (Province)


50

Usaha Kecil dan Menengah Selain Usaha Kecil dan Menengah

Small and Medium Enterprises Non Small and Medium Enterprises

DI Aceh 30,577 13,603

Sumatera Utara 21,619 33,850

Sumatera Barat 49,390 20,993

Sumatera Selatan 1,658 2,414

Bangka Bel i tung 112,721 12,003

Jambi - -

Bengkulu 30,790 10,780

Riau 16,700 22,147

Kepulauan Riau 4,932 5,209

Lampung 20,262 37,690

DKI Jakarta 14,626 1,252

Jawa Barat 270,783 326,236

Banten 162,493 69,965

Jawa Tengah 97,406 46,100

DI Yogyakarta 45,461 36,269

Jawa Timur 157,886 171,816

Bal i 4,310 857

Kal imantan Barat - -

Kal imantan Tengah - -

Kal imantan Timur - -

Kal imantan Selatan 12,552 1,620

Sulawes i Utara - -

Gorontalo - -

Sulawes i Barat - -

Sulawes i Tengah - -

Sulawes i Tenggara - -

Sulawes i Selatan 23,428 51,685

Maluku - -

Maluku Utara - -

NTB 31,606 5,419

NTT - -

Irian Jaya Barat - -

Papua 264 538

Propinsi (Province)


Tabel. 50 Total Pembiayaan Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Piutang/Pembiayaan dan Propinsi

(Financing of Islamic Rural Bank based on Type of Financing and Province)


51

Miliar Rupiah (in Billion IDR)

Kota/Kabupaten Pembiayaan Dana Pihak Ketiga

(City/District) (Financing) (Depositor Funds)

Banten Kab. Tangerang 584 885 66.03%

Kab. Serang 335 440 76.08%

Kotif Cilegon 442 698 63.37%

Kodya Tangerang 465 795 58.52%

Jawa Barat Kab. Bekasi 644 1,196 53.85%

Kab. Purwakarta 166 107 155.22%

Kab. Bogor 90 112 81.06%

Kab. Cianjur 87 64 135.70%

Kab. Bandung 1 19 7.57%

Kab. Tasikmalaya 18 0 7546.58%

Kab. Majalengka 20 4 521.96%

Kodya Bandung 2,422 2,869 84.41%

Kodya Bogor 903 1,112 81.21%

Kodya Sukabumi 147 72 204.41%

Kodya Cirebon 678 436 155.50%

Kotif Tasikmalaya 405 231 175.27%

Kotif Cimahi 94 89 105.05%

Kotif Depok 322 445 72.46%

Kotif Bekasi 962 1,218 79.01%

DKI Jakarta Wil. Kota Jakarta Pusat 14,766 13,363 110.50%

Wil. Kota Jakarta Utara 988 1,104 89.50%

Wil. Kota Jakarta Barat 615 533 115.36%

Wil. Kota Jakarta Selatan 6,494 11,005 59.01%

Wil. Kota Jakarta Timur 1,585 2,265 69.96%

DIY Kab. Sleman 5 35 15.33%

Kodya Yogyakarta 803 1,089 73.70%

Jawa Tengah Kab. Tegal 152 65 232.81%

Kab. Kudus 97 62 156.71%

Kab. Banyumas 280 190 147.51%

Kab. Cilacap 23 28 84.50%

Kodya Semarang 1,166 1,215 95.96%

Kodya Pekalongan 477 415 114.82%

Kodya Tegal 10 1 754.17%

Kodya Surakarta 1,422 1,014 140.15%

Jawa Timur Kotif Purwokerto 13 16 78.33%

Kab. Gresik 153 81 187.73%

Kab. Sidoarjo 1 48 1.16%

Kab. Pamekasan 92 101 91.20%

Kab. Banyuwangi 67 29 229.95%

Kab. Jember 327 195 167.74%

Kab. Bojonegoro 75 87 86.28%

Kodya Surabaya 2,607 2,760 94.45%

Kodya Malang 926 680 136.17%

Kodya Kediri 532 1,165 45.65%

Kodya Madiun 33 13 153.90%

Bengkulu Kodya Bengkulu 289 178 161.93%

Jambi Kodya Jambi 591 322 183.39%

NAD Kodya Banda Aceh 835 861 96.95%

Kotif Lhokseumawe 229 106 215.63%

Kotif Langsa 165 67 245.67%

Kotif Simeulue 139 71 196.90%

Sumatera Utara Kab. Langkat 315 107 274.16%

Kab. Labuhan Ratu 239 100 239.21%

Kodya Tebing Tinggi 92 79 115.92%

Kodya Pematang Siantar 529 169 313.81%

Kodya Tanjung Balai 34 66 51.91%

Kodya Sibolga 8 1 1075.93%

Kodya Medan 1,851 1,637 113.09%

Sumatera Barat Kotif Padang Sidempuan 333 245 135.96%

Kodya Bukittinggi 427 323 132.11%

Kodya Padang 758 718 105.47%

Kodya Payakumbug 88 25 349.44%

Riau Kab. Bengkalis 74 131 56.48%

Kodya Pekanbaru 1,189 991 120.00%

Kotif Dumai 153 164 93.76%

Kep. Riau Kotif Tanjungpinang 225 177 127.38%

Kodya Pulau Batam 506 255 198.41%

Sumatera Selatan Kodya Palembang 1,202 1,185 101.44%

Kotif Baturaja 121 64 188.57%

kotif Lubuklinggau 37 10 374.01%

Kotif Prabumulih 93 35 262.42%

Bangka Belitung Kodya Pangkal Pinang 101 83 120.93%

Lampung Kab. Lampung Tengah 122 68 179.63%

Kodya Bandar Lampung 666 461 144.40%

Kalimantan Selatan Kab. Banjar 44 44 98.88%

Kab. Hulu Sungai Selatan 55 37 149.43%

Kodya Banjarmasin 1,014 954 106.31%

Kalimantan Barat Kab. Ketapang 28 65 43.28%

Kodya Pontianak 660 558 118.36%

Kalimantan Timur Kab. Kutai 151 136 111.07%

Kab. Pasir 10 0 3416.08%

Kodya Samarinda 732 918 79.66%

Kodya Balikpapan 597 605 98.74%

Kalimantan Tengah Kodya Palangkaraya 69 103 67.11%

Sulawesi Tengah Kodya Palu 324 238 136.43%

Sulawesi Selatang Kab. Wajo 34 21 161.03%

Kodya Makassar 1,489 987 150.92%

Kab. Maros 52 22 235.04%

Sulawesi Barat Kab. Mamuju 38 34 112.64%

Sulawesi Utara Kodya Manado 218 104 208.45%

Gorontalo Kodya Gorontalo 148 120 123.20%

Sulawesi Tenggara Kodya Kendari 181 207 87.58%

Nusa Tenggara Barat Kab. Lombok Barat 7 1 1268.46%

Kab. Lombok Timur 76 23 324.20%

Kodya Mataram 428 340 126.11%

Bali Kab. Badung 28 3 1096.45%

Kodya Denpasar 221 206 107.35%

Nusa Tenggara Timur Kodya Kupang 56 47 117.95%

Maluku Utara Kodya Ambon 13 59 21.66%

Irian Jaya Barat Kab. Sorong 80 73 109.41%

Kodya Sorong 2 4 49.84%

Papua Kodya Jayapura 251 167 150.51%

Maluku Utara Kotif Ternate 57 98 58.71%

LUAR INDONESIA DI LUAR INDONESIA 2 689 0.34%

Propinsi

Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syairah Berdasarkan Kota/Kabupaten

(Financing, Depositor Funds and percentage of FDR - Islamic Commercial Bank and Islamic Business Unit based on City/District)

FDR


52

-

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

80,000,000

Sep-09 Oct-09 Nov-09 Dec-09 Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10

Miliar rupiah (in Billion IDR)

Grafik 1. Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha Syariah(Assets, Depositor Funds and Financing - Islamic Commercial Bank and Islamic Business Unit)

Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan yang Diberikan (Financing)


53

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000


Juta rupiah (in Million IDR)

Grafik 2. Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah(Assets, Depositor Funds and Financing - Islamic Rural Bank )

Aset (Assets) Dana Pihak Ketiga (Depositor Funds) Pembiayaan Yang Diberikan (Financing)


54

82.00%

84.00%

86.00%

88.00%

90.00%

92.00%

94.00%

96.00%

98.00%

100.00%

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

40.00%

45.00%


Grafik 3. FDR dan Aset, DPK, PYD Bank Umum Syariah dan Unit Usaha SyariahFDR and Assets, Depositor Funds, Financing - Islamic Commercial Bank and Islamic Business Unit

% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)


55

115.00%

120.00%

125.00%

130.00%

135.00%

140.00%

145.00%

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%


Grafik 4. FDR dan Aset, DPK, PYD Bank Pembiayaan Rakyat Syariah(FDR and Assets, Depositor Funds, Financing - Islamic Rural Bank)

% Aset (Assets Growth) % DPK (Dep. Funds Growth) % PYD (Financing Growth) FDR (Right Axis)


56


87.4%

Kewajiban Kepada Bank Lain (Inter-bank Liabilities)

6.3%

Surat Berharga (Securities)

0.8%

Pinjaman yang Diterima (Received Borrowing)

0.3%

Modal (Capital)

5.2%

Grafik 5. Sumber Dana Bank Umum Syariah dan Unit Usaha Syariah(Source of Funds - Islamic Commercial Bank and Islamic Business Unit)

September 2010 (September 2010)


57


64.3%

Kewajiban Kepada Bank Lain (Liabilities to other bank)

16.3%

Pinjaman yang Diterima (Received Borrowing)

3.8%

Modal (Capital)

14.8%

Kewajiban Lainnya (Other Liabilities)

0.7%

Grafik 6. Sumber Dana Bank Pembiayaan Rakyat Syariah

(Source of Funds - Islamic Rural Bank)



58

PYD(Financing)

83.3%

Penempatan di Bank Lain (Inter - bank assets )

4.4%

Penempatan di BI (Placement at BI)

6.0%

Surat Berharga(Investment in Securities)

5.9%

Penyertaan (Equity participation)

0.1% Tagihan Lainnya (Billing and Acceptable Liabilities)

0.4%

Grafik 7. Penyaluran Dana Bank Umum Syariah dan Unit Usaha Syariah(Placement of Funds - Islamic Commercial Bank and Islamic Business Unit)



59

PYD(Financing)

84.8%

Penempatan di Bank Lain (Inter - bank assets )

15.2%

Grafik 8. Penyaluran Dana Bank Pembiayaan Rakyat Syariah

(Placement of Funds - Islamic Rural Bank)



60

0%

1%

2%

3%

4%

5%

6%

7%

8%

9%

10%

0.00

5.00

10.00

15.00

20.00

25.00

30.00

35.00

40.00

45.00

50.00

55.00

60.00

65.00


Triliun Rupiah(in Trillion IDR)

Grafik 9. Perkembangan PYD dan NPF Bank Umum Syariah dan Unit Usaha Syariah(Trend of Financing and NPF - Islamic Commercial Bank and Islamic Business Unit)

Pembiayaan Yang Diberikan (Financing) NPF (percentage)


61

0%

2%

4%

6%

8%

10%

12%

0.00

200,000.00

400,000.00

600,000.00

800,000.00

1,000,000.00

1,200,000.00

1,400,000.00

1,600,000.00

1,800,000.00

2,000,000.00


Juta Rupiah(in Million IDR)

Grafik 10. Perkembangan PYD dan NPF Bank Pembiayaan Rakyat Syariah(Trend of Financing and NPF - Islamic Rural Bank)

Pembiayaan Yang Diberikan (Financing) NPF (percentage)


62

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

100.00%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%


Grafik 11. Perkembangan BOPO, ROA, ROE - Bank Umum Syariah dan Unit Usaha Syariah(Trend of BOPO, ROA and ROE - Islamic Commercial Bank and Islamic Business Unit)

ROA (Left Axis) ROE (Islamic Commercial Bank only - Right Axis) BOPO (Right Axis)


63

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%


Grafik 12. Perkembangan BOPO, ROA, ROE - Bank Pembiayaan Rakyat Syariah(Trend of BOPO, ROA and ROE - Islamic Rural Bank)

ROA (Left Axis) ROE (Right Axis) BOPO (Right Axis)

2010 Perbankan Syariah Statistics Sept

Documents

Transcript of 2010 Perbankan Syariah Statistics Sept