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Statistik Perbankan Syariah

(Islamic Banking Statistics)

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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

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mailto:[email protected]

mailto:[email protected]

Statistik Perbankan Syariah (Islamic Banking Statistics), December 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

Desember 2010 dilakukan pada tanggal 24

Januari 2011.

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 December 2010 Islamic

Banking Statistics is on January 24, 2011.

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.

Statistik Perbankan Syariah (Islamic Banking Statistics), Descember 2010

1

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

- Jumlah Bank (Number of Banks) 3 3 3 5 6 6 7 8 9 10 10 10 10 10 11 11 11

- Jumlah Kantor (Number of Offices) 304 349 401 581 711 820 852 934 918 970 33 1,113 1,111 1,151 1,154 1,171 1,215

-

-

Jumlah Bank Umum Konvensional yang

memiliki UUS (Number of Conventional

Banks that have Islamic Business Unit)

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

- Jumlah Kantor (Number of Offices) 154 183 196 241 287 288 294 299 312 298 1,081 251 236 237 237 239 262

-

- Jumlah Bank (Number of Banks) 92 105 114 131 138 140 142 143 144 144 145 146 146 146 148 149 150

- Jumlah Kantor (Number of Offices) 92 105 185 202 225 262 265 266 271 271 221 23 277 278 278 283 286

550 637 782 1,024 1,223 1,370 1,411 1,499 1,501 1,539 1,335 1,387 1,624 1,666 1,669 1,693 1,763

2010

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

Unit Usaha Syariah (Islamic Business Unit)

2006

Total Kantor (Total Number of Offices)

Bank Umum Syariah (Islamic Commercial Bank)

2005

Bank Pembiayaan Rakyat Syariah (Islamic Rural

Bank)

2008 20092007


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 58 113

2 PT Bank Syariah Mandiri 1 115 204 72

3 PT Bank Syariah Mega Indones ia 1 34 329 5

4 PT Bank Syariah BRI 1 35 47 1

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 7

9 PT Bank Jabar dan Banten 1 6 13 -

10 PT Bank Syariah BNI 1 28 28 -

11 PT Maybank Indones ia Syariah 1 1 - -

Unit Usaha Syariah

Islamic Business Unit

12 PT Bank Danamon 1 8 3 -

13 PT Bank Permata 1 10 12 -

14 PT Bank Internas ional Indones ia (BII) 1 5 20 -

15 PT CIMB Niaga 1 22 5 -

16 HSBC, Ltd. 1 5 - -

17 PT Bank DKI 1 2 - -

18 BPD DIY 1 1 - -

19 BPD Jawa Tengah (Jateng) 1 2 - 2

20 BPD Jawa Timur (Jatim) 1 1 - 37

21 BPD Banda Aceh 1 2 9 -

22 BPD Sumatera Utara (Sumut) 1 4 1 -

23 BPD Sumatera Barat (Sumbar) 1 2 2 1

24 BPD Riau 1 2 3 1

25 BPD Sumatera Selatan (Sumsel ) 1 3 - 2

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

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

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

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

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

31 PT BTN 1 20 5 -

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

33 PT OCBC NISP 1 3 - -

34 PT Bank Sinarmas 1 1 - 1

Bank Pembiayaan Rakyat Syariah

Islamic Rural BankTOTAL 184 446 778 355

Keterangan:

- KP = Kantor Pusat

- UUS = Unit Usaha Syariah

- KPO = Kantor Pusat Operasional

- KC = Kantor Cabang

- KK = Kantor Kas

- Tidak termasuk Layanan Syariah

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

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

No

11 317 689 198

23 104 89 46

150 25 - 111

Note:

- HO = Head Office

- 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


3


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

2 Banten 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

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

5 Jawa Tengah 8 11 13 15 19 19 19 19 19 19 20 20 20 20 21 21 21

6 Jawa Timur 12 17 19 23 25 25 26 26 27 27 27 27 27 27 28 29 29

7 Bengkulu 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

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

10 Sumatera Utara 6 6 7 7 7 8 8 8 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

12 Riau 2 2 2 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

14 Kepulauan Bangka Belitung 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

16 Lampung 3 3 3 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

18 Kalimantan Barat 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

20 Kalimantan Tengah 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

22 Sulawesi Selatan 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

24 Gorontalo 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

26 Sulawesi Tenggara 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

28 Bali 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

30 Maluku 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

32 Irian Jaya Barat 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

Total 92 105 114 131 138 140 142 143 144 144 145 146 146 146 148 149 150

2010

(Number of Islamic Rural Bank based on Location)

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

Provinsi (Province) 2005 2006 2007 2008 2009


4


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

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

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

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

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

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

7 UUS HSBC 0 0 7 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

9 UUS BPD Banda Aceh 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

11 UUS BPD Riau 0 0 8 33 37 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

13 UUS BPD Sumsel 0 0 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

15 UUS BPD DIY 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 37 37 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

18 UUS BPD Kalbar 0 0 0 1 5 5 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

20 UUS BPD Sulsel 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

22 UUS OCBC NISP 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

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

25 UUS BPD Jabar dan Banten 0 9 9 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

2010

Tabel 4. Layanan Syariah (Office Channeling)

2005 2006 2007 2008 2009


5


3,523 3,913 4,311 6,609 10,348 10,304 10,840 11,082 11,919 12,439 13,349 13,594 13,829 13,828 14,708 14,858 15,224

1,436 1,797 2,266 2,562 2,296 2,365 2,354 2,439 2,469 2,273 1,615 1,717 1,750 1,752 1,783 1,780 1,868

1,037 1,666 2,108 2,581 2,799 2,793 2,805 2,813 2,838 3,030 3,031 3,039 3,035 3,068 3,111 3,086 3,172

2010

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

Bank Pembiayaan Rakyat Syariah (Islamic Rural

Bank)

Bank Umum Syariah (Islamic Commercial Bank)

Unit Usaha Syariah (Islamic Business Unit)

2005 2006 2007 2008 2009


6


1 Kas (Cash) 226 346 488 759 1,017 996 941 975 935 1,046 1,161 1,199 1,405 1,803 1,310 1,484 1,453

2 Penempatan pada Bank Indonesia (Deposit in Bank Indonesia) 3,180 3,641 4,540 5,189 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393

3 Penempatan pada Bank Lain (Placement in Other Bank) 1,058 991 1,667 1,978 3,036 3,150 3,348 3,337 3,156 3,263 3,458 3,413 3,495 3,609 3,640 4,001 4,138

4 Surat Berharga yang Dimiliki (Investment in Securities) 730 829 1,388 2,683 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733

5 Pembiayaan (Financing) 15,270 20,445 27,944 38,199 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181

6 Tagihan Lainnya (Billing and Acceptable Liabilities) 21 15 182 136 171 173 208 187 213 185 229 263 251 460 236 256 351

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

8 Penyisihan Penyusutan A.P (Allowances for earning assets losses) 307 515 785 1,148 1,649 1,755 1,867 1,841 1,905 2,182 2,006 2,089 2,144 2,226 2,236 2,243 2,069

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

10 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 236 270 296 436 672 675 677 683 712 737 748 774 783 790 816 838 899

11 Antar kantor Aktiva (Inter - Office Assets) 5,487 8,178 14,261 24,882 33,853 33,097 34,311 34,927 35,988 36,441 38,616 40,772 41,205 42,969 44,282 45,677 49,707

12 Rupa-rupa Aktiva (Other assets) 495 621 743 1,200 1,623 1,729 1,805 1,793 1,805 1,909 2,017 2,085 2,075 2,118 2,134 2,249 2,338

20,880 26,722 36,538 49,555 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519

PASIVA

1 Dana Pihak Ketiga (Depositor Funds) 15,593 20,672 28,012 36,852 52,271 53,163 53,299 52,811 54,043 55,067 58,078 60,462 60,972 63,912 66,478 69,086 76,036

2 Kewajiban kepada Bank Indonesia (Liabilities to Bank Indonesia) 32 32 32 68 6 6 6 5 5 5 5 4 4 4 4 3 3

3 Kewajiban kepada Bank Lain (Liabilities to other Bank) 980 874 1,951 2,419 3,717 3,392 3,444 3,910 3,596 3,472 3,843 3,937 4,151 4,765 4,016 4,642 4,924

4 Surat Berharga yang Diterbitkan (Securities) 265 268 350 311 340 340 340 395 340 340 340 340 340 340 340 325 325

5 Pinjaman Diterima (Received Borrowing) 204 181 155 150 512 512 512 506 308 307 299 298 298 290 289 287 483

6 Kewajiban lainnya (Other Liabilities) 210 285 473 727 845 819 960 983 1,072 960 1,020 1,033 929 989 1,020 1,109 1,321

7 Pinjaman Subordinasi (Subordinated Loan) - - - - 50 50 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 37,678 38,921 39,939 40,990 41,445 43,037 44,828 46,064 47,789 48,640 51,051 54,555

9 Rupa-rupa Pasiva (Other Liabilities) 185 218 260 463 582 618 669 713 614 592 636 686 687 758 808 850 965

10 Modal disetor (Paid-in capital) 951 991 1,017 1,752 1,946 2,279 2,279 2,284 2,637 3,137 4,138 4,592 4,592 5,092 5,911 5,911 5,965

11 Tambahan modal disetor ( Additional paid-in capital) 132 142 132 466 468 135 135 135 689 689 689 1,073 1,073 573 572 572 516

12 Selisih Penilaian kembali Aktiva Tetap (Different appraisal Fixed Asset) - - - 13 - 3 3 3 3 3 8 9 14 19 11 11 12

13 Cadangan (Reserves) 230 268 275 335 449 449 449 449 465 439 434 464 464 464 490 490 491

a. Cadangan Umum (General Reserves) 230 268 275 335 449 449 449 449 465 439 434 464 464 464 490 490 491

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

14 Laba (Net Income) -

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

b. Tahun berjalan (Current year) 238 355 540 432 791 83 179 328 425 301 506 604 680 852 978 1,112 1,051

TOTAL PASIVA* 20,880 26,722 36,538 49,555 66,090 67,436 67,963 68,543 70,146 71,125 75,205 78,140 79,641 83,454 85,881 90,387 97,519

2007 20082005 2009

2010

* Net

TOTAL AKTIVA*

2006

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 )


7


1 Kas (Cash) 11,723 19,341 25,090 25,150 28,938 35,899 40,455 35,441 30,706 36,970 35,362 31,786 38,126 37,047 36,983 37,714 30,760

2 Penempatan pada Bank Lain (Placement in Other Bank) 102,597 185,208 232,589 334,050 407,663 415,102 380,181 369,360 364,523 356,863 354,453 377,388 323,802 392,204 427,857 423,871 525,332

3 Pembiayaan (Financing) 417,282 615,469 890,709 1,256,610 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 2,042,042 2,041,367 2,060,437

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

5 Aktiva Istishna dalam Penyelesaian (Istishna Assets in Progress) 15,119 - - (464) 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 33,018 34,847 34,611 35,415 36,223 36,814 38,581 38,563 40,373 42,322 42,627 39,172

7 Aktiva Tetap dan inventaris (Fixed Assets and Equipment) 16,965 21,328 28,273 40,499 46,595 45,827 48,226 48,708 49,530 53,054 54,421 56,800 56,402 57,116 59,436 59,234 59,652

8 Rupa-rupa Aktiva (Other assets) 25,788 52,873 48,921 62,327 73,461 75,981 80,112 81,556 81,092 83,310 80,456 81,112 83,510 83,831 81,684 81,435 84,118

585,467 896,017 1,215,916 1,693,332 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 2,522,083 2,618,834 2,615,232 2,738,745

PASIVA

1 Dana Pihak Ketiga (Depositor Funds) 340,892 521,152 717,858 975,815 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 1,531,242 1,517,715 1,603,778

2 Kewajiban kepada Bank Lain (Liabilities to other Bank) 37,110 97,561 175,803 271,481 353,068 348,109 350,059 377,113 391,543 404,192 441,299 467,608 464,200 489,733 493,333 502,583 520,882

3 Pinjaman Diterima (Received Borrowing) 37,574 39,757 51,544 68,268 56,744 49,407 52,457 49,641 47,746 46,065 49,909 53,516 56,043 51,385 55,027 53,840 52,170

4 Kewajiban lainnya (Other Liabilities) 8,992 8,808 10,912 19,545 18,419 16,550 16,735 16,701 16,749 15,684 16,983 18,695 22,105 20,477 18,500 17,937 18,802

5 Pinjaman Subordinasi (Subordinated Loan) 3 3 3 3 353 453 803 903 903 253 350 350 350 350 650 650 650

6 Rupa-rupa Pasiva (Other Liabilities) 12,212 16,717 24,989 35,861 33,351 29,525 31,408 30,860 30,633 38,122 35,889 39,122 40,105 45,739 50,969 51,311 54,921

7 Modal disetor (Paid-in capital) 118,380 150,609 176,690 221,651 294,942 293,259 296,323 294,904 298,964 310,589 315,472 329,211 327,137 333,146 336,877 334,024 347,000

8 Tambahan modal disetor ( Additional paid-in capital) 7,175 15,523 17,610 54,605 41,929 39,568 44,889 48,594 55,331 56,214 56,906 44,636 45,218 46,118 46,135 44,921 47,448

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

10 Cadangan (Reserves) 9,345 16,833 20,684 28,338 36,817 37,887 38,053 40,529 41,594 47,004 47,545 47,722 48,007 43,205 42,987 42,508 41,615

a. Cadangan Umum (General Reserves) 4,856 10,301 11,650 16,638 22,582 23,334 24,194 26,345 27,248 30,170 30,621 30,769 31,073 30,955 30,989 30,676 30,096

b. Cadangan Tujuan (Special Purpose Reserves) 4,489 6,533 9,034 11,699 14,235 14,552 13,859 14,184 14,346 16,834 16,924 16,952 16,934 12,250 11,997 11,832 11,519

11 Laba (Net Income) -

a. Tahun-tahun lalu (Previous years) (6,610) (5,705) (8,639) (14,501) (22,111) 30,021 24,646 12,690 (345) (17,300) (20,858) (22,900) (23,952) (23,414) (25,455) (25,440) (24,640)

b. Tahun berjalan (Current year) 16,499 20,966 27,064 29,787 54,599 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,639 62,662 69,306 70,243

585,467 896,017 1,215,916 1,693,332 1,962,225 2,138,797 2,179,951 2,203,483 2,260,002 2,323,688 2,373,598 2,446,928 2,428,654 2,522,083 2,618,834 2,615,232 2,738,745

2005 2008

* Net

TOTAL PASIVA*

TOTAL AKTIVA*

2010

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

Juta Rupiah (in Mill ion IDR)

2006 2007 2009


8


1 2,177 3,085 3,795 5,093 6,620 631 1,244 1,937 2,607 3,267 3,715 4,484 5,252 6,143 6,962 7,956 8,757

2 194 288 406 632 1,551 234 225 330 452 526 585 660 756 844 983 1,103 1,252

3 565 838 1,260 2,061 3,500 308 609 951 1,296 1,608 2,077 2,341 2,734 3,131 3,537 3,984 4,371

4 925 1,306 1,468 1,938 2,697 253 484 745 1,002 1,249 1,411 1,687 1,967 2,271 2,588 2,927 3,261

Total pendapatan (Total Revenue) 2,012 2,905 3,993 5,848 8,975 920 1,594 2,473 3,353 4,151 4,967 5,798 6,775 7,847 8,894 10,115 11,119

1 939 1,324 1,774 2,603 3,135 466 662 955 1,305 1,832 1,895 2,268 2,664 3,059 3,479 3,917 4,472

2 202 263 317 492 1,485 53 124 206 282 350 417 491 584 671 750 847 963

3 573 904 1,273 2,147 3,523 308 610 951 1,295 1,609 2,076 2,344 2,741 3,142 3,548 4,074 4,383

Total Beban (Total Expenses) 1,714 2,491 3,365 5,242 8,143 827 1,395 2,112 2,882 3,790 4,387 5,103 5,989 6,872 7,777 8,838 9,818

298 414 628 605 832 93 199 361 471 361 580 696 786 975 1,117 1,277 1,301

16 25 33 78 (73) 0 0 0 0 0 0 0 2 2 2 2 108

282 389 595 528 904 93 199 361 471 361 580 695 784 973 1,115 1,275 1,193

44 34 55 92 135 10 20 33 46 60 74 92 108 125 141 167 165

238 355 540 432 791 83 179 328 425 301 506 604 680 852 978 1,112 1,051

Beban operasional (Operating Expenses)

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 lainnya (Other Operating Expenses)

C. Laba tahun berjalan (Income)

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

2007 2008 2009

Pendapatan Operasional Lainnya (Other operating Revenue)

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)

A. Pendapatan (Revenue)

G. Laba setelah taksiran pajak penghasilan (Net Income)

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted

Investment) -/-

Beban non operasional (Non Operating Expenses)


9


1 97,275 154,633 203,063 293,964 382,183 33,525 69,179 106,313 144,587 185,184 224,776 266,619 303,515 347,965 396,026 419,771 484,935

2 9,629 15,945 22,927 32,883 43,074 3,735 7,919 12,696 17,140 21,757 26,361 31,006 35,644 37,972 43,920 48,642 55,639

3 1,249 3,676 6,159 6,714 8,085 376 721 1,237 1,732 2,335 2,981 3,583 4,117 5,300 10,850 11,414 12,528

4 33,430 49,949 77,246 108,154 138,769 12,991 26,052 39,794 54,246 69,208 84,076 99,240 113,894 130,010 147,580 162,459 180,257

Total pendapatan (Total Revenue) 88,894 142,364 186,295 267,795 347,193 30,165 61,981 94,854 129,179 165,762 201,396 239,196 271,987 315,293 362,956 382,543 441,823

1 49,378 82,315 105,458 162,045 194,209 15,926 34,023 51,838 68,801 87,964 106,966 128,157 148,417 172,254 195,619 214,574 245,534

2 2,518 10,217 8,455 14,767 24,593 1,864 5,312 7,992 9,987 13,591 15,996 19,432 22,243 24,588 28,620 15,914 35,795

3 1,378 3,310 6,797 8,214 8,565 765 1,037 1,414 1,810 2,096 2,520 2,978 3,537 3,956 6,469 6,935 7,611

Total Beban (Total Expenses) 53,274 95,842 120,709 185,027 227,368 18,556 40,371 61,244 80,598 103,651 125,482 150,567 174,196 200,799 230,708 237,424 288,940

21,449 27,407 34,193 40,381 67,000 6,063 11,336 19,120 28,487 36,354 44,299 51,401 55,181 60,420 72,193 79,945 83,905

180 300 372 626 967 78 187 191 268 338 405 509 606 664 722 816 1,286

21,269 27,107 33,821 39,755 66,033 5,984 11,149 18,929 28,219 36,016 43,894 50,892 54,575 59,755 71,471 79,128 82,619

4,770 6,224 7,013 9,976 11,495 874 1,819 2,595 3,619 4,646 5,589 6,588 7,311 8,128 9,125 9,823 12,375

16,499 20,883 26,809 29,787 54,562 5,136 9,389 16,423 24,727 31,433 38,432 44,304 47,268 51,635 62,662 69,306 70,243

20082005 2006

G. Laba setelah taksiran pajak penghasilan (Net Income)

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

Beban non operasional (Non Operating Expenses)

B. Beban (Expenses)

Beban operasional lainnya (Other Operating Expenses)

Pendapatan Operasional Lainnya (Other operating Revenue)

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

Pendapatan Operasional (Operating Revenue)

C. Laba tahun berjalan (Income)

Beban operasional (Operating Expenses)

2007 2009

Bagi hasil investasi tidak terikat ( Profit Sharing for Unrestricted

Investment) -/-

Pendapatan non operasional (Non operating Revenue)

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

A. Pendapatan (Revenue)

2010

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



10


1 67 90 135 180 154 9 16 25 39 54 65 83 106 131 159 193 236

2 20 19 19 32 45 4 7 12 17 22 29 37 41 45 48 52 60

87 109 153 212 200 12 23 37 56 75 93 120 147 176 207 245 296

Biaya pendidikan dan pelatihan (Cost of education and training)

2010

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

2007 2008 2009

Total

2005 2006

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


Biaya promosi (Cost of promotion)


11


1 826 1,300 2,284 4,178 4,826 269 629 949 1,390 1,844 2,353 2,877 3,474 4,224 4,823 5,381 6,433

2 686 1,649 1,889 2,727 3,622 382 675 993 1,357 1,713 2,255 2,688 2,976 3,383 3,862 4,097 4,710

1,512 2,949 4,173 6,905 8,448 651 1,304 1,942 2,747 3,556 4,608 5,565 6,450 7,607 8,685 9,478 11,143

2010

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

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


Total

Biaya pendidikan dan pelatihan (Cost of education and training)

2008

Biaya promosi (Cost of promotion)

20092005 2006 2007


12


Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) - - - - - - - - - - - - - - - 169 179

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 83 175 176 164 168 64 52 36 37 42 94 133

-

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

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

Fasil itas pembiayaan kepada nasabah yang belum ditarik (Financing facililies

that are not yet withdrawn) 246 444 613 1,612 1,502 1,818 1,909 1,996 2,262 2,014 2,126 2,189 2,499 2,641 2,656 2,619 2,755

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

financing facilities) 7 0 4 8 15 12 12 12 29 29 27 14 42 45 32 25 25

Irrevocable L/C yang masih berjalan (Irrevocable L/Cs) 33 167 66 141 146 169 244 243 230 96 123 87 175 175 85 142 178

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 13 12 11 7 5 10 4 4 5 6 32 33

Garansi (Kafalah) yang diterima (Kafalah guarantees received) 0 0 10 0 3 1 3 3 3 3 3 2 2 2 2 55 61

Pendapatan yang akan diterima (Income will be received) 16 33 53 22,588 82 61 70 81 80 96 84 81 80 131,012 97 226 220

Lainnya (Others) 14 1 1 78 1 0 1 0 0 0 0 0 3 6 0 4 0

-

Garansi (Kafalah) yang diberikan (Guarantees issued) 151 223 390 838 968 1,038 947 926 979 879 926 909 937 945 987 984 993

Lainnya (Others) 2 2 3 - 2 2 1 1 1 1 1 0 0 0 4 4 0

-

Aktiva produktif yang dihapusbuku (Written off earning assets) 116 208 336 648 1,684 1,363 1,359 1,353 1,427 1,461 1,476 1,698 1,649 1,652 1,643 1,815 1,864

Penerusan dana mudharabah muqayyadah (Channeling of mudharabh

muqayaydah) 194 316 362 429 349 347 350 351 349 351 357 362 365 369 380 387 445

2010

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

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


2005

Kewajiban Komitmen (Liabilities commitment )

Tagihan Komitmen (Claim Contingency)

Kewajiban Komimen (Liabilities Contingency)

Lainnya (Others)

2006 2007

Tagihan Komitmen (Claim comintment )

2008 2009


13


Fasilitas pinjaman yang belum ditarik (Not yet withdrawn financing facilities) 512 4,789 1,945 29,607 12,013 13,849 24,095 16,026 7,403 7,372 25,827 23,953 26,471 24,271 24,350 23,953 22,584

Lainnya (others) - 843 2,478 4 2 2 3,947 2 2 2 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 6,726 5,739 7,114 7,141 7,277 7,298 7,644 7,569 6,439 6,458 7,038 6,957

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

financing facilities) - - - - - - - - - - - - 390 - 294 17,551 17,644

Lainnya (others) 202 9 - 22 44 9 9 44 44 44 9 9,368 9 9 - 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 61,899 17,654 58,179 18,301 17,452 17,747 18,003 18,701 17,606 18,350 21,126 17,942

Lainnya (Others) 2,550 1,450 1,136 1,165 5,517 520 1,681 725 1,327 685 1,551 2,319 2,444 2,438 2,106 2,452 4,205

7,489 12,231 12,773 19,126 31,847 32,125 23,197 32,153 32,843 32,270 32,669 32,957 32,288 33,742 34,484 34,492 41,188

16,883 36,471 33,336 52,640 66,947 60,703 50,285 59,491 58,970 60,179 59,038 62,596 66,112 61,383 68,827 78,432 88,873

2010

(Off Balance Sheet Account - Islamic Rural Bank)

Tabel 13. Rekening Administratif - Bank Pembiayaan Rakyat Syariah


Penerusan dana mudharabah muqayyadah (Channeling of mudharabah muqayadah)

Tagihan Komitmen (Claim Contingency)

Tagihan Komitmen (Claim comintment )

Kewajiban Komitmen (Liabilities commitment)

2005

Aktiva produktif yang dihapusbuku (Written off earning assets)

2006 2007 2008 2009


14


1 2,048 3,416 3,750 4,238 6,202 6,041 6,587 5,881 5,965 6,054 10,038 10,338 7,291 7,407 7,116 8,224 9,056

2 4,367 6,430 9,454 12,471 16,475 16,362 16,341 16,688 16,863 17,428 18,351 18,449 18,521 19,461 20,137 20,812 22,908

a Akad Wadiah (Wadia) 183 332 645 958 1,538 1,553 1,598 1,886 1,986 2,322 2,547 2,418 2,504 2,658 2,878 3,001 3,338

b Akad Mudharabah (Mudharaba) 4,184 6,098 8,809 11,513 14,937 14,809 14,742 14,802 14,877 15,106 15,804 16,031 16,018 16,803 17,259 17,811 19,570

3 9,169 10,826 14,807 20,143 29,595 30,760 30,371 30,243 31,215 31,584 29,689 31,675 35,159 37,044 39,225 40,051 44,072

a 1 Bulan (1 month) 3,835 5,234 9,309 14,325 19,794 20,748 20,054 20,226 21,212 21,546 19,597 21,365 24,478 26,171 27,765 27,750 31,873

b 3 Bulan (3 months) 2,228 1,973 1,406 1,919 4,544 4,942 5,124 5,073 4,803 5,081 4,832 5,140 5,153 5,473 5,409 6,472 6,165

c 6 Bulan (6 months) 1,480 1,231 1,296 1,827 1,758 1,796 1,946 1,937 1,939 1,963 2,101 2,118 2,262 2,160 2,281 2,086 2,294

d 12 Bulan (12 months) 1,625 2,143 2,787 2,066 3,497 3,272 3,246 3,007 3,260 2,987 3,154 3,052 3,265 3,240 3,766 3,743 3,738

e > 12 Bulan (> 12 months) 1 245 9 6 1 1 0 0 0 6 6 1 1 1 4 1 3

15,584 20,672 28,012 36,852 52,271 53,163 53,299 52,811 54,043 55,067 58,079 60,462 60,972 63,912 66,478 69,086 76,036

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

Tabungan iB (iB Saving Deposits)

200820072005

Total

2009

2010

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

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


2006

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


15


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

2 160,906 231,440 296,890 441,291 492,682 558,179 565,741 560,770 569,195 586,408 572,926 590,065 556,908 596,875 631,459 620,870 658,759

a Akad Wadiah (Wadia) 48,600 73,634 86,708 161,450 209,991 238,550 245,953 242,971 245,308 248,243 249,227 259,715 249,721 261,362 272,333 263,339 285,066

b Akad Mudharabah (Mudharaba) 112,306 157,806 210,182 279,841 282,691 319,629 319,788 317,799 323,887 338,165 323,699 330,350 307,187 335,513 359,126 357,531 373,693

3 173,325 289,712 420,968 534,524 665,352 725,316 744,443 749,217 777,226 799,133 812,808 828,662 839,127 860,893 899,783 896,845 945,020

a 1 Bulan (1 month) 25,327 58,518 63,504 68,141 138,184 108,763 110,991 111,775 114,561 120,250 125,368 126,334 126,513 129,143 136,331 129,968 155,669

b 3 Bulan (3 months) 31,371 45,288 49,724 55,818 76,815 103,342 109,424 113,242 117,225 121,159 121,954 125,424 129,604 133,287 146,244 138,010 141,721

c 6 Bulan (6 months) 35,403 60,348 45,915 68,875 157,831 135,714 135,806 139,237 148,809 147,218 146,207 142,351 144,609 149,487 153,770 157,618 166,845

d 12 Bulan (12 months) 78,877 122,300 205,596 270,133 275,875 361,433 369,522 365,131 375,632 389,197 397,538 410,150 414,415 422,346 438,601 445,772 456,288

e > 12 Bulan (> 12 months) 2,347 3,258 56,229 71,557 16,646 16,064 18,700 19,833 20,999 21,308 21,740 24,403 23,985 26,630 24,838 25,476 24,496

334,231 521,152 717,858 975,815 1,158,034 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 1,531,242 1,517,715 1,603,778

2010

(Depositor Funds Composition of Islamic Rural Bank)

Tabel 15. Komposisi DPK - Bank Pembiayaan Rakyat Syariah

Juta Rupiah ( in Mill ion IDR )

Total

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

Tabungan iB (iB Saving Deposits)

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

2007 2008 20092005 2006


16


464 1,282 1,840 2,363 2,694 2,889 2,933 2,883 2,965 3,003 3,088 3,294 3,330 3,392 3,461 3,552 4,176

2,395 2,357 2,599 2,545 3,076 3,373 2,972 2,425 3,027 1,656 2,734 2,576 1,882 2,310 2,783 3,287 5,408

321 2 101 280 4,623 5,059 3,932 3,327 2,612 3,164 2,521 3,144 2,295 4,150 4,948 5,325 6,809

3,180 3,641 4,540 5,189 10,393 11,321 9,837 8,635 8,604 7,823 8,343 9,014 7,507 9,852 11,191 12,164 16,393 Total

SWBI/SBI Syariah (Bank Indonesia Wadiah Certificate/Bank

Indonesia Islamic Certificate)

Lainnya (Others)

Giro Wadiah (Wadiah Demand Deposits)

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


20082007 200920062005

2010


17


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

2 704 828 1,384 2,400 2,641 2,706 3,212 3,259 3,644 3,868 4,200 4,593 4,742 4,827 4,465 4,358 4,532

3 26 1 - 4 42 42 42 42 42 42 42 42 42 42 95 95 95

730 829 1,388 2,683 3,786 3,851 4,358 4,406 4,790 5,014 5,346 5,741 5,889 5,975 5,665 5,559 5,733

Lainnya (Others)

Total

Surat Berharga Pasar Keuangan Syariah (Islamic Financial

Market Securities)

Surat Berharga Pasar Modal Syariah (Islamic Capital Market

Securities)

2005


2006 2007 2008 2009

2010

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


18


Akad Mudharabah (Mudharaba) 3,124 4,062 5,578 6,205 6,597 6,556 6,592 6,716 6,933 7,231 7,593 7,856 8,207 8,292 8,411 8,895 8,631

Akad Musyarakah (Musharaka) 1,898 2,335 4,406 7,411 10,412 10,363 10,725 11,216 11,632 11,950 12,420 12,645 13,323 13,305 13,943 14,353 14,624

Akad Murabahah (Murabaha) 9,487 12,624 16,553 22,486 26,321 26,532 27,288 28,269 28,922 29,744 31,108 32,027 33,310 33,967 34,831 36,214 37,508

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

Akad Istishna (Istishna) 282 337 351 369 423 402 411 406 404 410 392 383 389 380 391 395 347

Akad Ijarah (ijara) 316 836 516 765 1,305 1,313 1,321 1,324 1,486 1,569 1,839 2,047 2,134 2,123 2,124 2,149 2,341

Akad Qardh (Qardh) 125 250 540 959 1,829 1,974 2,141 2,275 2,274 2,319 2,449 2,675 2,912 2,902 3,295 3,935 4,731

Lainnya (Others) 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 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181

20092005 2007 2008

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

Miliar Rupiah (in Bill ion IDR )

2010

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

Akad (Contract) 2006


19




Akad Murabahah (Murabaha) 337,566 505,633 716,240 1,011,743 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 1,595,058 1,595,644 1,621,526

Akad Salam (Salam) 90 30 0 38 105 0 4 4 169 167 160 117 0 0 0 0 45

Akad Istishna (Istishna) 1,844 1,361 13,467 24,683 32,766 32,436 33,130 33,468 34,017 33,593 33,376 33,596 33,404 32,113 30,689 29,354 27,598

Akad Ijarah (ijara) 6,816 6,783 3,661 5,518 7,803 8,219 8,524 9,964 9,613 9,935 9,725 11,715 13,282 13,395 13,600 13,510 13,499

Akad Qardh (Qardh) 6,666 9,969 19,038 40,308 50,018 49,908 53,900 53,532 57,328 59,429 62,401 64,041 62,751 60,390 63,357 61,736 63,000

Multijasa (Multi Purpose Financing) 0 0 6,106 17,988 28,578 29,085 29,904 29,826 33,652 35,389 39,232 43,024 44,024 45,897 46,668 47,960 51,344

Total 417,282 615,469 890,709 1,256,610 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 2,042,042 2,041,367 2,060,437

Akad (Contract) 2005 2006 200920082007

2010

(Financing Composition of Islamic Rural Bank)

Tabel 19 . Komposisi Pembiayaan Yang Diberikan Bank Pembiayaan Rakyat Syariah

Juta Rupiah ( in Mill ion IDR)


20

SEKTOR EKONOMI

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

Pertanian, kehutanan dan sarana pertanian 687 701 837 1,177 1,331 1,386 1,325 1,563 1,555 1,661 1,678 1,671 1,675 1,671 1,707 1,992 1,762

Agriculture, forestry and agricultural facilities

Pertambangan 395 375 511 965 1,047 1,002 958 1,116 1,072 1,081 1,098 1,073 1,090 1,096 1,051 1,057 1,120

Mining

Perindustrian 933 940 1,371 1,340 1,579 1,612 1,551 1,768 1,976 2,072 2,107 2,172 2,168 2,126 2,158 2,282 2,337

Manufacturing

Li s trik, gas dan a i r 66 17 166 248 698 699 835 848 803 857 910 927 1,040 1,134 1,234 1,317 1,354

Water, gas and electricity

Konstruks i 1,548 1,637 2,371 3,368 3,516 3,515 3,504 3,831 3,976 3,930 4,083 3,996 4,319 4,015 4,322 4,202 4,194

Construction

Perdagangan, restoran dan hotel 1,716 3,041 4,152 4,426 5,000 5,732 5,577 6,114 6,186 6,397 6,787 6,855 7,062 7,136 7,404 7,422 7,609

Trade, restaurants and hotels

Pengangkutan, pergudangan dan komunikas i 1,261 1,165 1,569 2,759 3,349 3,208 3,067 3,499 3,552 3,565 3,575 3,554 3,519 3,435 3,433 3,545 3,696

Transport, cargo storage and communication

Jasa dunia usaha 4,504 5,458 8,425 11,757 13,664 13,775 15,126 14,294 14,712 15,355 16,103 16,872 18,016 18,517 18,848 19,880 20,233

Business Services

Jasa sos ia l/masyarakat 1,208 1,456 1,904 2,463 2,661 2,537 2,455 2,596 2,622 2,687 2,755 2,736 2,613 2,694 2,862 2,910 2,975

Social Services

La in-la in 2,913 5,655 6,639 9,693 14,042 13,673 14,080 14,577 15,196 15,618 16,705 17,776 18,771 19,146 19,975 21,335 22,902

Others

Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181

2005 2006 20072010

(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 )

2008 2009


21

SEKTOR EKONOMI


Pertanian, kehutanan dan sarana pertanian 11,874 17,720 24,436 41,613 54,486 56,859 62,417 64,779 67,917 71,842 73,597 108,627 113,075 101,229 104,265 104,578 107,129


Pertambangan 138 485 944 1,287 998 894 833 884 804 773 796 1,036 759 802 795 789 905

Mining

Perindustrian 9,207 12,465 12,447 15,885 20,420 20,643 21,511 27,513 24,279 24,254 23,464 25,758 24,505 24,332 23,251 23,696 24,635

Manufacturing

Li s trik, gas dan a i r 109 748 367 1,146 1,055 814 1,052 1,066 1,057 1,097 1,160 1,212 1,231 2,104 2,436 2,569 1,569


Konstruks i 3,495 6,570 16,051 26,536 48,178 45,235 45,308 49,353 50,643 52,367 54,901 55,851 61,394 64,215 70,105 71,973 66,492

Construction



Pengangkutan, pergudangan dan komunikas i 3,618 8,704 9,075 17,697 17,289 18,387 19,344 18,562 18,809 19,999 19,866 20,785 19,929 21,827 21,784 22,158 21,768


Jasa dunia usaha 49,031 72,194 99,050 140,989 176,760 174,229 184,240 191,193 196,143 204,064 213,361 265,577 269,595 269,401 283,161 282,640 276,887

Business Services

Jasa sos ia l/masyarakat 5,155 5,632 6,402 22,609 16,451 15,887 17,553 18,877 19,660 21,829 22,701 23,666 23,887 26,091 23,503 23,575 26,564

Social Services

La in-la in 144,072 235,392 422,148 617,942 765,264 755,550 783,555 791,275 834,504 862,217 891,578 823,401 825,481 875,899 893,587 889,649 910,060

Others

Total 417,282 615,469 886,117 1,256,610 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 2,042,042 2,041,367 2,060,437

2005 2006 2007 2008 20092010

(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 )


22


Modal Kerja Nilai (Amount) 7,988 10,405 15,656 20,554 22,873 23,548 24,046 24,798 25,524 26,453 27,848 28,315 29,445 29,688 30,439 31,650 31,855

Working Capital Pangsa (Share) 52.4% 50.9% 56.0% 53.8% 48.8% 50.0% 49.6% 49.4% 49.4% 49.7% 49.9% 49.1% 48.9% 48.7% 48.3% 48.0% 46.7%

Investasi Nilai (Amount) 4,288 4,374 5,637 7,907 9,955 9,901 10,337 10,814 10,913 11,136 11,233 11,526 12,043 12,120 12,571 12,948 13,416

Investment Pangsa (Share) 28.1% 21.4% 20.2% 20.7% 21.2% 21.0% 21.3% 21.5% 21.1% 20.9% 20.1% 20.0% 20.0% 19.9% 20.0% 19.6% 19.7%

Konsumsi Nilai (Amount) 2,956 5,666 6,652 9,734 14,058 13,691 14,097 14,595 15,213 15,634 16,721 17,792 18,787 19,162 19,984 21,344 22,910

Consumption Pangsa (Share) 19.4% 27.7% 23.8% 25.5% 30.0% 29.0% 29.1% 29.1% 29.5% 29.4% 30.0% 30.9% 31.2% 31.4% 31.7% 32.4% 33.6%

15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181

JENIS PENGGUNAAN

TYPE OF USAGE

Total

2007 20082005 2006 2009

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



23


Modal Kerja Nilai (Amount) 236,794 357,743 497,472 664,644 767,538 764,030 792,005 816,222 847,657 881,584 907,707 1,016,629 1,032,901 1,068,388 1,066,454 1,102,195 1,106,035






417,282 615,469 890,070 1,256,610 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 2,042,042 2,041,367 2,060,437 Total

2008 2009 TYPE OF USAGE

2006 2007

2010

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

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


JENIS PENGGUNAAN

2005


24

GOLONGAN PEMBIAYAAN

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

Usaha Kecil dan Menengah 10,196 14,872 19,566 27,063 35,799 36,093 37,631 39,127 40,609 41,697 43,989 45,479 45,227 45,902 49,589 52,002 52,570

Small and Medium Enterprises

Selain Usaha Kecil dan Menengah 5,036 5,573 8,379 11,132 11,087 11,047 10,848 11,079 11,042 11,526 11,812 12,154 15,048 15,068 13,406 13,940 15,611

Non Small and Medium Enterprises

Total 15,232 20,445 27,944 38,195 46,886 47,140 48,479 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181

2005

2010

2006

(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


20082007 2009


25

GOLONGAN PEMBIAYAAN


Usaha Kecil dan Menengah 273,212 380,079 575,028 657,359 833,076 806,344 801,715 877,024 917,281 949,740 969,593 993,723 1,013,746 1,109,465 1,141,531 1,128,023 1,115,962


Selain Usaha Kecil dan Menengah *) 144,072 235,392 315,044 599,291 753,843 780,235 852,160 813,547 839,974 867,621 903,977 932,020 940,433 870,447 900,511 913,344 944,475


Total 417,284 615,471 890,072 1,256,650 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 2,042,042 2,041,367 2,060,437

*) 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 )

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


2005 2006 2008 20092007

2010

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


26

KOLEKTIBILITAS PEMBIAYAAN

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

Lancar (Performing Financing) 14,803 19,474 26,813 36,686 45,004 45,086 46,177 47,932 49,342 50,683 53,631 55,244 57,805 58,563 60,509 63,314 66,120

Lancar (Current) 14,027 18,583 25,494 35,076 41,931 41,329 42,058 44,065 45,505 46,725 49,310 50,812 52,845 54,240 56,237 59,092 63,006

Dalam Perhatian Khusus (Special Mention) 776 891 1,319 1,610 3,074 3,757 4,120 3,867 3,837 3,958 4,321 4,433 4,960 4,324 4,271 4,222 3,114

Non Lancar (Non Performin Financing) 429 971 1,131 1,509 1,882 2,053 1,054 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061

Kurang Lancar (Sub-Standard) 201 353 321 525 435 621 822 1,067 1,028 1,007 769 947 865 833 1,098 1,230 677

Diragukan (Doubtful) 73 236 267 224 582 397 232 165 259 312 305 244 380 352 328 330 332

Macet (Lost) 155 383 543 759 865 1,036 ` 1,043 1,022 1,221 1,097 1,197 1,226 1,221 1,060 1,068 1,052

Total Pembiayaan (Total Financing) 15,232 20,445 27,944 38,195 46,886 47,140 47,231 50,206 51,651 53,223 55,801 57,633 60,275 60,970 62,995 65,942 68,181

Percentage of NPFs 2.82% 4.75% 4.05% 3.95% 4.01% 4.36% 2.23% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02%

20092006 20082005 20072010

(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



27

KOLEKTIBILITAS PEMBIAYAAN

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

Lancar (Performing Financing) 371,781 564,373 820,058 1,151,287 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 1,889,321 1,887,714 1,926,565

Non Lancar (Non Performin Financing) 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872

Kurang Lancar (Sub-Standard) 12,290 16,267 22,674 35,322 31,049 38,235 43,618 44,420 39,056 39,827 39,847 44,814 42,699 43,875 46,524 45,589 39,185

Diragukan (Doubtful) 23,338 19,760 17,090 21,307 30,687 22,475 22,481 24,758 30,631 32,815 29,687 31,905 33,392 34,142 33,630 33,485 29,919

Macet (Lost) 9,873 15,069 32,586 48,693 49,877 56,036 57,665 55,421 56,741 56,915 60,164 61,182 64,227 69,125 72,567 74,579 64,767

Total Pembiayaan (Total Financing) 417,282 615,469 892,407 1,256,610 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 2,042,042 2,041,367 2,060,437

Percentage of NPFs 10.90% 8.30% 8.11% 8.38% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50%

20082006 2007 200920052010

(Financing of Islamic Rural Bank based on Collectibility)

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



28

SEKTOR EKONOMI


Pertanian, kehutanan dan sarana pertanian 34 40 21 10 64 72 30 43 49 57 61 63 70 70 78 91 61


Pertambangan 14 25 80 213 20 20 20 26 25 36 36 60 24 23 30 28 27

Mining

Perindustrian 82 219 229 289 184 190 179 182 183 186 185 187 188 190 181 183 98

Manufacturing

Li s trik, gas dan a i r 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1


Konstruks i 23 57 89 140 180 239 276 219 252 307 257 334 336 259 272 283 185

Construction

Perdagangan, restoran dan hotel 78 205 254 278 436 472 456 468 481 516 317 372 358 360 406 425 338


Pengangkutan, pergudangan dan komunikas i 42 88 119 91 177 182 177 245 303 254 182 176 224 385 348 402 263


Jasa dunia usaha 68 187 141 297 311 338 602 543 535 662 649 616 656 586 622 630 551

Business Services

Jasa sos ia l/masyarakat 22 40 41 44 59 65 62 65 74 82 73 153 165 83 77 73 55

Social Services

La in-la in 65 110 157 148 450 475 498 482 406 439 409 425 447 449 471 499 470

Others

Total 429 971 1,131 1,509 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061

20062005 2007 20092010

(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


2008


29

SEKTOR EKONOMI


Pertanian, kehutanan dan sarana pertanian 1,259 1,472 1,783 3,839 3,741 4,344 5,150 5,023 5,060 5,433 5,586 6,492 5,880 5,994 6,116 6,131 5,058


Pertambangan - 10 270 1 309 308 248 247 164 177 161 161 151 152 151 151 157

Mining

Perindustrian 1,913 1,377 1,652 2,317 3,090 3,190 2,641 3,384 3,320 3,623 3,722 3,577 3,425 3,796 3,719 3,988 3,036

Manufacturing

Li s trik, gas dan a i r - 43 1 214 75 76 52 54 64 40 40 44 47 66 273 187 22


Konstruks i 55 158 908 4,526 4,484 4,763 4,810 5,086 5,998 6,261 6,163 6,785 7,024 7,040 7,036 7,907 5,245

Construction



Pengangkutan, pergudangan dan komunikas i 198 491 705 1,538 1,705 1,949 1,952 2,175 1,695 1,714 1,600 1,738 1,740 2,172 2,540 2,852 2,236


Jasa dunia usaha 6,269 6,802 8,593 16,421 10,416 12,647 13,544 13,901 14,333 14,506 15,255 14,243 15,251 17,658 17,456 16,925 15,418

Business Services

Jasa sos ia l/masyarakat 551 449 254 676 516 620 1,812 1,583 1,011 1,694 1,486 2,102 1,488 2,460 2,371 2,333 799

Social Services

La in-la in 8,850 9,988 20,139 36,568 41,539 40,505 41,065 41,971 45,006 45,873 44,848 46,948 47,876 49,049 51,049 52,880 44,776

Others

Total 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872

20092005 2006 20072010

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

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


2008


30


Modal Kerja Nilai (Amount) 216 604 647 871 899 1,007 1,223 1,161 1,200 1,392 1,149 1,262 1,256 1,175 1,244 1,264 1,070


Investasi Nilai (Amount) 148 258 326 489 534 572 581 631 703 709 612 701 767 783 772 865 521


Konsumsi Nilai (Amount) 65 110 158 148 450 475 498 482 406 439 410 425 447 449 471 499 470


429 971 1,131 1,509 1,882 2,053 2,302 2,275 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061

JENIS PENGGUNAAN

TYPE OF USAGE

2005

Total

2007 2008 2009

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


2006


31


Modal Kerja Nilai (Amount) 34,239 38,716 53,267 75,154 68,821 72,600 76,741 77,282 76,459 79,513 80,041 85,596 85,538 92,904 95,608 97,139 85,730






45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872 Total

JENIS PENGGUNAAN

TYPE OF USAGE

2008 2009

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

2006 2007

2010


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

2005


32

GOLONGAN PEMBIAYAAN


Usaha Kecil dan Menengah 330 725 798 985 1,611 1,741 1,864 1,619 1,879 2,061 1,720 1,991 2,096 2,040 2,098 2,281 1,824


Selain Usaha Kecil dan Menengah 99 246 333 524 271 312 438 430 430 479 450 398 374 366 388 347 237


Total 429 971 1,131 1,509 1,882 2,053 2,302 2,049 2,309 2,540 2,170 2,388 2,470 2,406 2,486 2,628 2,061

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

2007 20092005

2010

2006 2008

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



33

GOLONGAN PEMBIAYAAN


Usaha Kecil dan Menengah 45,501 41,108 50,322 69,501 70,160 71,330 80,842 79,687 81,973 84,181 85,620 89,191 91,272 97,629 101,201 99,687 87,831


Selain Usaha Kecil dan Menengah *) - 9,988 22,028 35,821 41,453 45,415 42,923 44,912 44,456 45,376 44,078 48,710 49,046 49,513 51,521 53,966 46,040


Total 45,501 51,096 72,349 105,322 111,612 116,745 123,764 124,599 126,428 129,557 129,698 137,901 140,318 147,142 152,721 153,653 133,872

2009

2010

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

Tabel 33. Pembiayaan Non Lancar - Bank Pembiayaan Rakyat Syariah berdasarkan Golongan Pembiayaan

Juta Rupiah ( in Mill ion IDR)

*) 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 2007 2008


34


Dana Pihak Ketiga (Depositor Funds ) 1,255,889 1,992,452 2,845,829 3,766,067 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 5,605,872 5,705,161 6,053,658

Giro iB (Demand Deposits) 26,100 34,499 42,741 51,123 71,635 71,818 74,350 75,817 66,576 68,179 108,398 69,407 71,674 71,547 72,471 73,373 77,200

Tabungan iB (Saving Deposits) 1,168,786 1,883,875 2,711,374 3,600,205 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 5,344,543 5,447,304 5,790,058

Deposito iB (Time Deposits) 61,003 74,078 91,714 114,739 150,348 153,615 154,198 157,898 158,358 160,210 164,016 163,194 170,145 196,687 188,858 184,484 186,400

Pembiayaan (Financing ) 144,699 372,109 512,230 597,208 686,535 700,792 721,334 734,232 744,949 749,059 756,688 771,882 781,859 787,507 798,417 833,791 865,920




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

Akad Istishna (Istishna) 408 387 392 695 1,346 1,336 1,365 1,366 1,368 1,370 1,335 1,278 1,287 1,292 1,306 1,316 1,335

Akad Ijarah (ijara) 129 443 1,007 1,912 4,192 4,468 4,747 4,912 5,673 5,925 6,303 6,411 6,713 6,475 6,848 7,177 7,682

Akad Qardh (Qardh) 6,077 12,462 26,455 55,112 100,370 110,319 120,482 127,899 131,508 132,628 135,039 147,469 152,893 155,438 158,875 175,983 207,554

1,400,588 2,364,561 3,358,059 4,363,275 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 6,404,289 6,538,952 6,919,578 Total

2005 2006Jenis 2008 20092010

(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)

2007


35


Dana Pihak Ketiga (Depositor Funds) 221,070 287,203 339,914 437,464 517,944 485,927 498,060 500,327 507,948 523,479 516,919 519,898 516,855 534,996 552,415 553,204 558,927

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

Tabungan iB (Saving Deposits) 214,866 279,046 329,272 423,550 500,414 467,928 479,827 482,184 489,352 504,600 498,325 501,049 498,294 515,702 532,674 533,401 538,552

Deposito iB (Time Deposits) 6,204 8,157 10,642 13,914 17,530 17,999 18,233 18,143 18,596 18,879 18,594 18,849 18,561 19,294 19,741 19,803 20,375

Pembiayaan (Financing) 47,627 70,415 110,415 115,050 131,258 131,811 134,900 134,610 138,302 140,387 142,827 144,957 144,946 145,190 147,897 147,872 148,997




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

Akad Istishna (Istishna) 314 310 403 438 768 765 773 795 805 809 816 820 821 818 809 783 775

Akad Qardh (Qardh) 2,547 3,991 8,816 11,795 13,712 13,775 14,253 14,482 15,327 14,625 15,461 15,845 15,327 14,426 14,573 14,479 15,061

Akad Ijarah (ijara) 790 991 727 577 903 931 954 981 1,025 1,023 1,019 1,047 1,078 1,060 1,088 1,096 1,080

Multijasa (Multi Purpose Financing) - - 1,933 2,504 3,259 3,310 3,441 3,398 3,749 4,003 4,298 4,668 4,799 5,032 5,214 5,395 5,539

268,697 357,618 450,329 552,514 649,202 617,738 632,960 634,937 646,250 663,866 659,746 664,855 661,801 680,186 700,312 701,076 707,924 Total

2006Jenis 2005 2007 20092010

(Number of Account of Islamic Rural Bank)

Tabel 35. Jumlah rekening Bank Pembiayaan Rakyat Syariah

satuan (in unit)

2008


36


Dana Pihak Ketiga (Depositor Funds)

1 1.16% 1.27% 1.07% 1.18% 0.96% 0.92% 0.90% 0.98% 0.92% 0.99% 1.20% 0.97% 0.94% 0.96% 1.37% 1.13% 1.20%

2 3.96% 3.72% 3.32% 3.61% 2.76% 2.50% 2.43% 2.85% 2.54% 2.68% 2.64% 2.65% 2.51% 2.94% 3.01% 3.29% 3.06%

3

a 1 Bulan (1 month) 7.86% 8.96% 7.63% 8.22% 6.92% 5.31% 6.54% 6.77% 6.60% 6.37% 6.63% 6.91% 6.69% 6.59% 6.66% 6.51% 6.90%

b 3 Bulan (3 months) 8.03% 9.81% 7.93% 9.10% 7.25% 6.07% 6.86% 7.09% 6.88% 6.81% 6.67% 6.85% 7.03% 6.86% 7.14% 6.28% 6.68%

c 6 Bulan (6 months) 8.82% 9.57% 8.25% 8.67% 8.44% 6.15% 6.64% 7.72% 7.66% 6.76% 7.31% 7.04% 7.31% 6.96% 7.13% 6.67% 7.15%

d 12 Bulan (12 months) 9.35% 9.99% 8.34% 8.34% 9.06% 7.68% 7.51% 8.64% 8.31% 7.49% 6.89% 7.00% 8.39% 7.26% 6.71% 7.31% 7.32%

e > 12 Bulan (> 12 months) 7.83% 10.04% 7.17% 8.63% 8.63% 8.53% 8.05% 7.15% 6.91% 8.10% 9.65% 6.03% 6.15% 6.58% 15.92% 5.95% 9.65%

Pembiayaan (Financing)

1 12.75% 13.73% 16.93% 19.38% 19.11% 17.91% 17.89% 17.87% 77.09% 17.53% 17.60% 17.59% 17.27% 17.03% 17.31% 17.25% 17.39%

2 8.46% 10.25% 11.23% 11.37% 11.72% 10.85% 11.42% 11.75% 11.57% 11.30% 11.39% 11.04% 10.92% 10.95% 11.52% 11.67% 14.52%

3 13.05% 12.09% 14.66% 14.92% 16.07% 15.87% 16.51% 16.44% 85.17% 80.69% 73.30% 15.77% 15.51% 15.49% 15.61% 15.53% 15.30%

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

5 13.80% 13.46% 14.30% 14.99% 13.89% 13.52% 13.54% 13.52% 13.60% 13.18% 13.08% 13.90% 14.00% 13.86% 14.16% 14.18% 13.37%

6 0.59% 0.66% 0.16% 0.88% 0.76% 0.75% 0.75% 0.74% 0.66% 0.64% 121.08% 0.50% 0.48% 0.48% 0.48% 0.48% 0.46%

7 5.25% 5.33% 2.89% 3.42% 4.34% 4.34% 4.34% 4.24% 4.29% 4.15% 4.11% 3.98% 3.84% 3.98% 4.04% 4.10% 3.89%

20092006

Akad iIstishna (Istishna)

Akad Ijarah (ijara)

Akad Salam (Salam)

2007

Akad Mudharabah (Mudharaba)

Giro iB (Demand Deposits)

Akad Qardh (Qardh)

Tabungan iB (Saving Deposits)

Akad Murabahah (Murabaha)

Deposito iB (Time Deposits)

2010

(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

Akad Musyarakah (Musharaka)

2005 2008


37



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

2 5.69% 10.62% 5.50% 6.62% 6.19% 5.36% 4.03% 4.28% 6.07% 5.97% 6.04% 6.01% 5.80% 5.49% 5.77% 4.33% 4.40%

3

a 1 Bulan (1 month) 8.79% 12.73% 10.64% 10.47% 12.03% 10.53% 11.73% 12.28% 12.71% 11.53% 11.30% 11.30% 11.64% 11.46% 11.49% 11.43% 13.57%

b 3 Bulan (3 months) 10.60% 12.44% 11.65% 13.16% 12.43% 11.00% 11.00% 11.70% 11.44% 11.47% 11.48% 11.23% 11.17% 11.08% 11.24% 11.31% 11.78%

c 6 Bulan (6 months) 12.98% 13.68% 12.14% 13.74% 13.38% 12.05% 12.58% 12.90% 13.31% 13.07% 13.43% 12.89% 13.27% 12.90% 13.20% 13.35% 13.39%

d 12 Bulan (12 months) 9.27% 12.58% 12.31% 13.09% 12.30% 11.59% 11.72% 12.37% 12.55% 12.00% 12.07% 11.92% 11.91% 11.74% 11.99% 11.57% 11.61%

e > 12 Bulan (> 12 months) 13.54% 14.48% 11.52% 13.03% 12.26% 12.18% 11.99% 12.03% 12.03% 12.00% 11.92% 12.02% 12.12% 12.12% 13.14% 13.06% 12.82%

Pembiayaan (Financing)

1 21.28% 18.16% 21.28% 18.49% 18.59% 19.10% 18.65% 19.02% 18.31% 17.42% 17.59% 18.23% 17.98% 18.86% 20.02% 18.81% 19.70%

2 20.96% 23.15% 20.77% 23.28% 15.97% 15.50% 15.34% 14.38% 14.18% 14.96% 14.97% 16.01% 15.84% 16.23% 16.39% 15.16% 20.78%

3 17.88% 18.72% 20.30% 19.56% 19.22% 19.31% 19.28% 19.51% 19.56% 19.57% 19.60% 19.49% 19.62% 19.71% 19.69% 20.15% 20.07%

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

5 18.45% 20.01% 7.43% 7.39% 7.35% 7.39% 7.29% 7.28% 7.11% 7.17% 7.27% 7.53% 7.71% 7.93% 8.20% 7.75% 8.49%

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

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

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

Giro iB (Demand Deposits)

2009

Tabungan iB (Saving Deposits)

Deposito iB (Time Deposits)

20072006

Akad Musyarakah (Musharaka)

Multijasa (Multi Purpose Financing)

Akad Qardh (Qardh)

Akad iIstishna (Istishna)

Akad Murabahah (Murabaha)

Akad Salam (Salam)

Akad Ijarah (ijara)

2005

Akad Mudharabah (Mudharaba)

20082010

(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


38


1 CAR 1) 12.41% 13.73% 10.67% 12.81% 10.77% 11.26% 11.43% 11.07% 12.12% 12.31% 12.89% 14.66% 14.23% 14.58% 15.74% 15.40% 16.25%

2 ROA 1.35% 1.55% 2.07% 1.42% 1.48% 1.65% 1.76% 2.13% 2.06% 1.25% 1.66% 1.67% 1.63% 1.77% 1.79% 1.83% 1.67%

3 ROE 1) 27.58% 28.45% 40.38% 38.79% 26.09% 20.51% 23.95% 32.02% 27.97% 25.07% 21.41% 21.24% 20.13% 21.92% 24.30% 20.91% 17.58%

4 NPF 2.82% 4.75% 4.05% 1.42% 4.01% 4.36% 4.75% 4.53% 4.47% 4.77% 3.89% 4.14% 4.10% 3.95% 3.95% 3.99% 3.02%

5 FDR 97.75% 98.90% 99.76% 103.65% 89.70% 88.67% 90.96% 95.07% 95.57% 96.65% 96.08% 95.32% 98.86% 95.40% 94.76% 95.45% 89.67%

6 BOPO 78.91% 76.77% 76.54% 81.75% 84.39% 84.87% 79.73% 76.27% 77.15% 85.79% 79.99% 79.77% 80.36% 79.10% 78.94% 77.70% 80.54%

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

20092005 2006 2007 2008

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

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

2010

Rasio (Ratio)


39


1 CAR na na 34.72% 30.28% 29.98% 30.80% 33.25% 31.35% 30.70% 29.60% 29.64% 29.20% 27.17% 29.10% 26.25% 28.70% 27.46%

2 ROA 4.05% 3.79% 3.21% 2.76% 5.00% 3.55% 3.48% 3.57% 3.67% 3.97% 3.71% 3.68% 3.52% 3.47% 3.61% 3.59% 3.49%

3 ROE 11.21% 9.82% 11.21% 14.77% 21.55% 11.65% 11.29% 12.20% 13.20% 15.33% 14.07% 14.08% 13.14% 13.17% 14.50% 14.58% 14.29%

4 NPF 10.90% 8.30% 8.11% 8.38% 7.03% 7.36% 7.48% 7.37% 7.19% 7.13% 6.92% 7.16% 7.18% 7.43% 7.48% 7.53% 6.50%

5 FDR 122.41% 118.10% 124.08% 128.78% 126.89% 123.61% 126.23% 129.05% 130.51% 131.17% 135.20% 135.74% 139.96% 135.82% 133.36% 134.50% 128.47%

6 BOPO 70.63% 77.33% 76.58% 80.85% 64.69% 76.30% 76.78% 76.18% 75.35% 75.34% 75.20% 75.61% 76.49% 76.93% 77.18% 76.24% 78.08%

2007 2008 2009

2010

(Financial Ratios of Islamic Rural Bank)

Tabel 39 . Rasio Keuangan Bank Pembiayaan Rakyat Syariah

Rasio (Ratio) 2005 2006


40

Total Aset (Rp)

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

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

1 s .d. 5 Mi l iar (1 up to 5 Billion) 51 57 46 50 38 35 35 39 37 42 39 39 39 40 36 34 29

> 5 s .d. 10 Mi l iar (>5 up to 10 Billion) 17 22 24 34 40 41 39 34 36 35 40 38 38 36 37 34 43

> 10 Mi l iar (> 10 Billion) 13 19 31 40 52 54 58 60 60 61 60 63 63 65 70 72 71

Total 92 105 114 131 138 140 142 143 144 144 145 146 146 146 148 149 150

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


41


1 hari (Overnight) na 276 542 2,259 700 373 536 903 638 487 491 107 350 2,226 4,775 1,156 526

2-6 hari (2 up to 6 days) na 334 66 450 890 347 1,146 801 773 581 488 190 764 190 355 817 210

7 hari (7 days) na 106 304 961 129 340 738 1,088 698 411 480 409 1,060 86 160 283 283

8-26 hari (8 up to 26 days) na 74 193 148 682 510 654 435 429 570 460 600 720 767 400 810 500

27-30 hari (27 up to 30 days) na - 64 - 470 - - 20 2 - 129 72 100 125 40 40 -

>30 hari (> 30 days) na 5 - 10 18 - - 372 - - 5 20 - - 20 - 60

2007 2008 2009

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

(Volume of Transaction of Interbank Islamic Money Market)

2010

2005 2006

Tabel 41. Volume Transaksi PUAS



42


1 hari (Overnight) na 5.92% 6.59% 9.54% 6.01% 6.15% 5.93% 6.00% 5.96% 6.00% 5.94% 6.17% 6.10% 5.67% 5.44% 5.66% 5.65%

2-6 hari (2 up to 6 days) na 7.80% 6.58% 9.97% 6.13% 6.10% 6.05% 5.98% 6.01% 6.09% 6.07% 6.21% 6.13% 6.11% 5.76% 5.65% 5.82%

7 hari (7 days) na 8.18% 6.66% 10.30% 6.33% 6.27% 5.81% 5.96% 6.01% 6.07% 6.16% 6.22% 6.29% 6.16% 6.03% 5.95% 6.00%

8-26 hari (8 up to 26 days) na 8.60% 6.48% 10.65% 6.55% 6.78% 6.54% 5.92% 6.17% 6.48% 6.44% 6.45% 6.38% 6.20% 6.26% 6.10% 5.96%

27-30 hari (27 up to 30 days) na - 7.18% - 6.65% - - 6.60% 5.80% - 6.42% 6.36% 6.35% 6.35% 6.05% 6.35% -

>30 hari (> 30 days) na 6.90% - 10.75% 6.92% - - 6.27% - - 7.00% 6.50% - - 6.60% - 6.17%

2010

(Weighted Average Rate of Return of IMA Certificate)

Tabel 42. Rata-rata Tingkat Imbalan Sertifikat IMA

2009

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

2005 2006 2007 2008


43

Propinsi (Province) Aset Gross

(Gross Assets)Pembiayaan (Financing)

Dana Pihak Ketiga

(Depositor Funds)FDR NPF

DI Aceh 2,784 1,617 1,382 117.07% 1.94%

Sumatera Utara 5,176 3,497 2,800 124.88% 4.87%

Sumatera Barat 2,556 1,469 1,288 114.06% 1.17%

Sumatera Selatan 2,619 1,566 1,454 107.66% 2.00%

Bangka Belitung 198 135 126 107.48% 0.06%

Jambi 744 712 381 186.85% 3.86%

Bengkulu 323 311 195 159.46% 1.38%

Riau 3,200 1,589 1,534 103.57% 2.83%

Kepulauan Riau 1,007 852 593 143.53% 2.06%

Lampung 1,125 922 663 139.13% 1.68%

DKI Jakarta 79,429 26,900 34,889 77.10% 3.37%

Jawa Barat 14,252 8,029 9,328 86.07% 2.88%

Banten 4,048 2,086 3,007 69.38% 2.21%

Jawa Tengah 6,152 4,170 3,391 122.96% 2.14%

DI Yogyakarta 2,373 868 1,229 70.61% 3.83%

Jawa Timur 8,224 5,627 5,749 97.89% 0.99%

Bali 325 298 254 117.24% 0.13%

Kalimantan Barat 1,350 720 717 100.50% 0.58%

Kalimantan Tengah 174 106 115 92.14% 0.86%

Kalimantan Timur 2,833 1,590 1,895 83.92% 2.41%

Kalimantan Selatan 2,691 1,156 1,211 95.45% 1.94%

Sulawesi Utara 305 240 125 191.45% 15.41%

Gorontalo 179 168 140 119.79% 4.44%

Sulawesi Barat 60 53 34 156.64% 0.00%

Sulawesi Tengah 437 390 285 136.67% 0.50%

Sulawesi Tenggara 306 187 248 75.26% 1.52%

Sulawesi Selatan 1,977 1,672 1,159 144.30% 3.83%

Maluku 93 28 71 39.18% 1.55%

Maluku Utara 144 87 110 79.28% 0.94%

NTB 729 556 420 132.33% 0.68%

NTT 81 75 60 124.12% 0.00%

Irian Jaya Barat 104 89 97 91.92% 2.36%

Papua 366 272 239 113.80% 0.10%

Luar Indonesia 857 145 847 17.10% 0.00%

Tabel. 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)



44

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

Dana Pihak Ketiga

(Depositor Funds)FDR NPF

DI Aceh 75,685 49,296 36,384 135.49% 12.21%

Sumatera Utara 80,197 55,735 52,452 106.26% 6.11%

Sumatera Barat 93,889 72,258 66,365 108.88% 2.78%

Sumatera Selatan 7,245 4,072 3,902 104.35% 4.37%

Bangka Bel i tung 175,434 118,710 135,251 87.77% 8.09%

Jambi - - - - -

Bengkulu 54,933 46,360 34,635 133.85% 3.91%

Riau 53,405 40,454 23,219 174.23% 4.70%

Kepulauan Riau 14,143 12,349 6,018 205.20% 4.76%

Lampung 86,825 58,150 36,439 159.58% 2.35%

DKI Jakarta 24,074 18,397 4,157 442.52% 3.42%

Jawa Barat 786,597 623,344 445,461 139.93% 4.98%

Banten 294,726 217,888 202,424 107.64% 10.91%

Jawa Tengah 225,516 159,991 137,560 116.31% 6.11%

DI Yogyakarta 126,520 84,811 93,650 90.56% 5.93%

Jawa Timur 421,349 321,723 209,279 153.73% 7.33%

Bal i 6,454 6,077 5,343 113.72% 11.90%

Kal imantan Barat - - - - -

Kal imantan Tengah - - - - -

Kal imantan Timur 11,810 7,258 5,575 130.17% 26.72%

Kal imantan Selatan 23,212 13,854 15,528 89.22% 18.15%

Sulawes i Utara - - - - -

Gorontalo - - - - -

Sulawes i Barat - - - - -

Sulawes i Tengah - - - - -

Sulawes i Tenggara - - - - -

Sulawes i Selatan 103,667 77,635 49,143 157.98% 8.01%

Maluku - - - - -

Maluku Utara - - - - -

NTB 71,692 43,632 40,379 108.06% 3.85%

NTT - - - - -

Irian Jaya Barat - - - - -

Papua 1,371 842 614 137.29% 10.06%

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 - 7 1 86 213 6 323 37 936

Sumatera Utara 551 3 28 13 237 782 27 692 123 1,041

Sumatera Barat 28 2 10 - 5 230 7 337 57 794

Sumatera Selatan 79 0 4 1 114 285 2 365 42 671

Bangka Bel i tung 1 0 - 14 - 3 - 12 29 75

Jambi 34 4 0 - 6 155 0 191 20 302

Bengkulu 69 - - - 0 59 5 86 11 81

Riau 248 - 5 1 156 178 70 334 18 580

Kepulauan Riau 2 0 6 - 2 66 20 243 12 501

Lampung 44 1 13 6 3 140 3 448 44 219

DKI Jakarta 414 927 1,148 1,242 2,522 2,450 2,948 8,637 817 5,754

Jawa Barat 14 7 216 19 387 712 194 2,486 571 3,424

Banten 31 15 108 1 32 130 8 862 145 795

Jawa Tengah 15 49 618 6 81 752 18 971 226 1,435

DI Yogyakarta 2 0 27 18 4 159 3 261 41 353

Jawa Timur 78 8 109 16 249 295 46 1,581 430 2,814

Bal i - - - - - 31 - 3 99 164

Kal imantan Barat 11 0 2 - 37 90 131 103 8 338

Kal imantan Tengah 1 - - - - 1 28 42 4 31

Kal imantan Timur 14 5 21 - 90 195 44 663 69 489

Kal imantan Selatan 3 72 5 0 26 57 124 487 49 333

Sulawes i Utara - - 0 0 10 77 0 132 - 21

Gorontalo 0 - 3 - 3 49 2 5 73 34

Sulawes i Barat 23 - 0 - - 5 0 5 2 21

Sulawes i Tengah 5 1 0 1 7 49 1 117 4 204

Sulawes i Tenggara - 12 0 - - 25 0 109 - 41

Sulawes i Selatan 2 0 4 - 14 125 2 566 18 938

Maluku - - - - - 0 0 6 - 22

Maluku Utara - - - - - - - 12 13 63

NTB 2 9 4 0 72 67 0 64 3 335

NTT - 2 - - 38 2 1 13 3 15

Irian Jaya Barat - - - - 3 34 - 27 4 21

Papua 83 - - - 9 67 2 51 5 55

Luar Indonesia 0 0 - 14 - 128 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 1,262 3 1,213 3 725 32,071 116 3,504 1,198 9,201 Sumatera Utara 2,319 - 1,069 47 1,255 14,449 359 5,411 419 30,408 Sumatera Barat 4,206 100 497 143 1,383 37,576 1,395 4,957 1,670 20,332 Sumatera Selatan 261 - 478 - - 652 42 220 70 2,349 Bangka Bel i tung 5,724 71 143 157 6,669 56,936 1,170 21,816 99 25,925 Jambi - - - - - - - - - - Bengkulu 18,208 - 604 - 868 15,510 64 322 39 10,746 Riau 1,161 - 1,314 - 140 8,440 1,551 8,090 427 19,935 Kepulauan Riau 344 - - - - 3,316 95 1,043 158 7,393 Lampung 4,808 - 487 - 52 7,227 46 2,349 338 42,844 DKI Jakarta - - - - - 2,133 - 4,006 - 12,258 Jawa Barat 35,445 287 7,453 884 8,610 132,245 9,733 72,324 11,507 347,810 Banten 264 42 1,249 - 5,942 100,103 408 75,997 4,469 51,910 Jawa Tengah 9,929 222 2,877 84 25,757 48,238 2,725 12,219 2,845 55,751 DI Yogyakarta 1,235 - 1,804 236 2,209 21,857 121 24,065 1,173 32,121 Jawa Timur 18,299 181 3,391 12 2,364 88,872 1,906 29,361 1,452 176,665 Bal i 6 - 1,177 - - 3,666 3 225 7 994 Kal imantan Barat - - - - - - - - - -

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

Kal imantan Timur 175 - 19 - - 2,249 - 238 - 4,577

Kal imantan Selatan 856 - - 3 - 3,210 1,664 6,658 - 1,464

Sulawes i Utara - - - - - - - - - - Gorontalo - - - - - - - - - - Sulawes i Barat - - - - - - - - - - Sulawes i Tengah - - - - - - - - - - Sulawes i Tenggara - - - - - - - - - - Sulawes i Selatan 1,939 - 853 - 7,222 11,617 6 1,067 15 55,017 Maluku - - - - - - - - - - Maluku Utara - - - - - - - - - - NTB 675 - 7 - 3,296 33,776 365 2,959 677 1,877 NTT - - - - - - - - - - Irian Jaya Barat - - - - - - - - - - Papua 14 - - - - 288 - 57 - 483


( 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 576 105 937

Sumatera Utara 1,609 847 1,041

Sumatera Barat 531 144 794

Sumatera Selatan 651 243 671

Bangka Bel i tung 16 43 75

Jambi 320 90 302

Bengkulu 215 15 81

Riau 589 418 581

Kepulauan Riau 213 136 503

Lampung 604 99 219

DKI Jakarta 13,820 7,316 5,764

Jawa Barat 3,738 868 3,424

Banten 1,038 257 791

Jawa Tengah 2,274 461 1,435

DI Yogyakarta 403 112 353

Jawa Timur 2,116 696 2,814

Bal i 120 14 164

Kal imantan Barat 205 178 338

Kal imantan Tengah 39 36 31

Kal imantan Timur 605 496 489

Kal imantan Selatan 454 368 333

Sulawes i Utara 216 4 21

Gorontalo 103 31 34

Sulawes i Barat 30 5 17

Sulawes i Tengah 167 18 204

Sulawes i Tenggara 82 63 41

Sulawes i Selatan 626 105 941

Maluku 6 1 22

Maluku Utara 25 - 63

NTB 116 105 335

NTT 31 29 15

Irian Jaya Barat 39 30 21

Papua 133 83 55

Luar Indones ia 144 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 38,363 4,438 6,496

Sumatera Utara 24,052 2,183 29,499

Sumatera Barat 42,030 11,792 18,436

Sumatera Selatan 1,143 580 2,349

Bangka Bel i tung 99,890 7,971 10,849

Jambi - - -

Bengkulu 33,421 7,097 5,842

Riau 17,577 6,886 16,595

Kepulauan Riau 2,913 2,355 7,080

Lampung 13,149 11,061 33,940

DKI Jakarta 17,101 73 1,222

Jawa Barat 262,865 53,300 310,132

Banten 165,967 35,490 38,927

Jawa Tengah 85,186 29,794 45,667

DI Yogyakarta 49,913 7,499 27,408

Jawa Timur 140,712 20,874 160,918

Bal i 3,611 1,717 749

Kal imantan Barat - - -

Kal imantan Tengah - - -

Kal imantan Timur 2,755 2 4,500

Kal imantan Selatan 12,514 2 1,338

Sulawes i Utara - - -

Gorontalo - - -

Sulawes i Barat - - -

Sulawes i Tengah - - -

Sulawes i Tenggara - - -

Sulawes i Selatan 59,039 2,099 16,597

Maluku - - -

Maluku Utara - - -

NTB 33,532 8,311 1,790

NTT - - -

Irian Jaya Barat - - -

Papua 302 57 483

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 1,256 361

Sumatera Utara 2,501 997

Sumatera Barat 1,147 322

Sumatera Selatan 758 808

Bangka Bel i tung 19 116

Jambi 704 8

Bengkulu 293 18

Riau 1,350 239

Kepulauan Riau 736 115

Lampung 735 187

DKI Jakarta 21,667 5,233

Jawa Barat 5,754 2,276

Banten 1,246 840

Jawa Tengah 3,284 885

DI Yogyakarta 596 272

Jawa Timur 4,672 955

Bal i 235 63

Kal imantan Barat 508 212

Kal imantan Tengah 88 18

Kal imantan Timur 1,469 121

Kal imantan Selatan 960 196

Sulawes i Utara 202 39

Gorontalo 161 7

Sulawes i Barat 25 28

Sulawes i Tengah 210 180

Sulawes i Tenggara 43 144

Sulawes i Selatan 1,200 472

Maluku 20 8

Maluku Utara 11 77

NTB 367 189

NTT 58 17

Irian Jaya Barat 33 56

Papua 257 15

Luar Indones ia 9 136


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 32,102 17,194

Sumatera Utara 20,949 34,786

Sumatera Barat 51,626 20,632

Sumatera Selatan 1,723 2,349

Bangka Bel i tung 107,854 10,856

Jambi - -

Bengkulu 33,431 12,930

Riau 15,212 25,846

Kepulauan Riau 5,268 7,080

Lampung 17,664 40,486

DKI Jakarta 17,144 1,252

Jawa Barat 262,474 363,825

Banten 170,306 70,077

Jawa Tengah 108,825 51,822

DI Yogyakarta 39,623 45,198

Jawa Timur 150,048 172,455

Bal i 5,328 749

Kal imantan Barat - -

Kal imantan Tengah - -

Kal imantan Timur 2,433 4,825

Kal imantan Selatan 12,516 1,338

Sulawes i Utara - -

Gorontalo - -

Sulawes i Barat - -

Sulawes i Tengah - -

Sulawes i Tenggara - -

Sulawes i Selatan 23,891 53,844

Maluku - -

Maluku Utara - -

NTB 37,186 6,447

NTT - -

Irian Jaya Barat - -

Papua 359 483

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 Bil l ion IDR)

Propinsi (Province ) Kota/Kabupaten

(City/District)Pembiayaan

(Financing)

Dana Pihak Ketiga (Depositor

Funds)FDR

Kab. Tangerang 648 1,047 61.84%

Kab. Serang 356 337 105.56%

Koti f Ci legon 552 785 70.36%

Kodya Tangerang 530 837 63.31%

Kab. Bekas i 801 1,373 58.30%

Kab. Purwakarta 177 136 129.93%

Kab. Bogor 113 189 60.04%

Kab. Cianjur 96 70 136.30%

Kab. Bandung 5 15 31.66%

Kab. Tas ikmalaya 15 1 2075.27%

Kab. Maja lengka 21 4 575.24%

Kodya Bandung 2,904 3,561 81.56%

Kodya Bogor 1,031 1,293 79.77%

Kodya Sukabumi 164 112 147.40%

Kodya Cirebon 829 494 167.59%

Koti f Tas ikmalaya 437 246 178.14%

Koti f Cimahi 102 99 103.37%

Koti f Depok 349 466 74.99%

Koti f Bekas i 985 1,271 77.47%

DKI Jakarta Wi l . Kota Jakarta Pusat 15,589 16,726 93.20%

Wil . Kota Jakarta Utara 1,131 1,586 71.33%

Wil . Kota Jakarta Barat 786 686 114.48%

Wil . Kota Jakarta Selatan 7,683 13,215 58.14%

Wil . Kota Jakarta Timur 1,711 2,675 63.96%

DIY Kab. Sleman 7 44 16.81%

Kodya Yogyakarta 861 1,185 72.60%

Kab. Tegal 174 65 266.15%

Kab. Pati 3 2 165.27%

Kab. Kudus 108 58 186.98%

Kab. Banyumas 320 202 158.27%

Kab. Ci lacap 31 34 90.57%

Kodya Semarang 1,339 1,406 95.20%

Kodya Pekalongan 541 452 119.58%

Kodya Tegal 49 24 205.14%

Kodya Surakarta 1,564 1,139 137.36%

Koti f Purwokerto 41 9 470.38%

Jawa Timur Kab. Gres ik 177 104 170.87%

Kab. Sidoarjo 104 164 63.01%

Kab. Pamekasan 104 143 72.36%

Kab. Banyuwangi 83 44 188.40%

Kab. Jember 362 248 146.10%

Kab. Bojonegoro 79 64 124.02%

Kodya Surabaya 2,948 3,183 92.64%

Kodya Malang 1,065 800 133.05%

Kodya Bl i tar - 0 0.00%

Kodya Kediri 671 982 68.38%

Kodya Madiun 34 17 200.73%

Bengkulu Kodya Bengkulu 311 195 159.46%

Jambi Kodya Jambi 712 381 186.85%

Kodya Banda Aceh 973 1,042 93.39%

Koti f Lhokseumawe 288 149 192.55%

Koti f Langsa 190 101 188.92%

Koti f Simeulue 166 89 186.46%

Sumatera Utara Kab. Del i Serdang 9 10 81.85%

Kab. Labuhan Batu 205 113 180.76%

Kodya Tebing Tinggi 97 100 97.00%

Kodya Binja i 327 117 279.63%

Kodya Pematang Siantar 497 161 309.31%

Kodya Tanjung Bala i 39 71 54.74%

Kodya Sibolga 27 16 171.11%

Kodya Medan 1,932 1,895 101.99%

Koti f Padang Sidempuan 365 318 114.78%

Kodya Bukittinggi 340 295 115.15%

Kodya Padang 882 899 98.10%

Kodya Payakumbuh 247 93 264.47%

Kab. Bengkal is 86 140 61.32%

Kodya Pekanbaru 1,316 1,210 108.80%

Koti f Dumai 187 184 101.40%

Koti f Tanjungpinang 260 256 101.49%

Kodya Pulau Batam 592 337 175.43%

Sumatera Selatan Kodya Palembang 1,296 1,328 97.64%

Koti f Lubukl inggau 37 17 223.26%

Koti f Prabumul ih 87 38 225.81%

Koti f Batura ja 145 71 203.21%

Bangka Bel i tung Kodya Pangkal Pinang 135 126 107.48%

Kab. Lampung Tengah 167 81 206.58%

Kodya Bandar Lampung 754 582 129.73%

Kal imantan Selatan Kab. Banjar 77 116 66.55%

Kab. Hulu Sungai Selatan 67 69 97.27%

Kab. Tabalong - 0 0.00%

Kodya Banjarmas in 1,011 1,025 98.61%

Kal imantan Barat Kab. Sambas - 1 0.00%

Kab. Ketapang 25 69 36.14%

Kodya Pontianak 695 646 107.55%

Kal imantan Timur Kab. Kuta i 166 163 101.83%

Kodya Samarinda 750 1,102 68.05%

Kab. Pas i r 8 0 3555.32%

Kal imantan Tengah Kab. Kotawaringin Barat - 0 0.00%

Kodya Bal ikpapan 666 630 105.80%

Kodya Palangkaraya 106 115 92.34%

Sulawes i Tengah Kodya Palu 390 285 136.67%

Sulawes i Selatan Kab. Wajo 35 23 153.34%

Kodya Makassar 1,581 1,115 141.85%

Kab. Maros 55 21 264.80%

Sulawes i Barat Kab. Mamuju 53 34 156.64%

Sulawes i Utara Kodya Menado 240 125 191.45%

Gorontalo Kodya Goronta lo 168 140 119.79%

Sulawes i Tenggara Kodya Kendari 187 248 75.26%

Nusa Tenggara Barat Kab. Lombok Barat 13 1 2002.28%

Kab. Lombok Timur 80 30 265.04%

Kodya Mataram 463 389 118.95%

Bal i Kab. Badung 32 5 622.31%

Kodya Denpasar 266 249 106.74%

Nusa Tenggara Timur Kodya Kupang 75 60 124.12%

Maluku Kodya Ambon 28 71 39.18%

Irian Jaya Barat Kab. Sorong 84 89 94.49%

Kodya Sorong 5 7 60.94%

Papua Kodya Jayapura 272 239 113.80%

Maluku Utara Koti f Ternate 87 110 79.28%

Luar Indones ia Di Luar Indones ia 145 847 17.10%

NAD

Sumatera Barat

Lampung

Tabel. 51. Total Pembiayaan, Dana Pihak Ketiga, FDR Bank Umum Syariah dan Unit Usaha Syariah berdasarkan Kota/kabupaten

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

Banten

Jawa Tengah

Kep. Riau

Riau

Jawa Barat


52

0

10,000,000

20,000,000

30,000,000

40,000,000

50,000,000

60,000,000

70,000,000

80,000,000

90,000,000

100,000,000

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

50.00%


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)

Desember 2010 (December2010)


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

70.00


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

-1%

1%

3%

5%

7%

9%

11%

13%

15%

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

2,200,000.00


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)

Statistik Perbankan Syariah - WordPress.com · 2014-06-20 · published by the Directorate of...

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