Rasio Keuangan Financial Ratios

laporan Tahunan BNI Syariah 2010 c. laba Bersih BNI Syariah pada Desember 2010 mampu membukukan laba bersih laba setelah pajak sebesar Rp36,5 miliar, meningkat sebesar Rp89,7 miliar dari posisi Juni 2010 rugi sebesar Rp53,2 miliar. Posisi Desember 2009 rugi sebesar Rp186,5 miliar. c. Nett Proit BNI Syariah in December 2010 recorded net proit proit after tax amounted to Rp36.5 billion, an increase of Rp89.7 billion from the position in June 2010 loss amounted to Rp53.2 billion. Position in December 2009 loss amounted to Rp186.5 billion. Rasio Keuangan utama Key Financial Ratio

3. Rasio Keuangan

a. Rasio Kecukupan Modal CAR Per Desember 2010 CAR BNI Syariah sebesar 27,68, menurun sebesar 1,12 dari posisi Juni 2010 sebesar 28,80. Posisi Desember 2009 CAR BNI Syariah sebesar 28,80. b. Non Performing Financing Gross Per Desember 2010 Non Performing Financing Gross BNI Syariah mencapai 3,59, menurun sebesar 0,58 dari posisi Juni 2010 sebesar 4,17. Posisi Desember 2009 sebesar 2,35. Kedepannya BNI Syariah berusaha meningkatkan kualitas pembiayaan sehingga dapat menekan rasio Non Performing Financing. c. Return on Assets RoA dan Return on equity Roe Rasio RoA sebesar 0,61 di tahun 2010, mengalami peningkatan sebesar 12,63 dibandingkan posisi Juni 2010 sebesar -12,02. Posisi RoA per Desember 2009 adalah sebesar -3,60. Demikian juga dengan Roe yang

3. Financial Ratios

a. Capital Adequacy Ratio CAR As of December 2010 CAR BNI Syariah reached at 27.68, decreased by 1.12 from the position in June 2010 amounted to 28.80. December 2009 Position CAR of 28.80 BNI Syariah. b. Non-Performing Financing Gross As of December 2010 Non-Performing Financing Gross BNI Syariah reached 3.59, down by 0.58 from the position in June 2010 amounted to 3.40. As of December 2009 of 2.35. In the future BNI Syariah will improve the quality of inancing so as to suppress the ratio of Non Performing Financing. c. Return on Assets RoA and Return on equity Roe ROA ratio amounted to 0.61 in 2010; an increase of 12.63 compared to the position in June 2010 amounted to -12.02. RoA position as of December 2009 amounted to -3.60. Similarly, Roe increased signiicantly from Des 2009 Juni 2010 Des 2010 Uraian Description Sebelum spin of Before spin of Sesudah spin of After spin of Rasio Kecukupan Modal Penyisihan Penghapusan Aktiva Produktif terhadap Aktiva Produktif Gross Non Performing Financing Nett Non Performing Financing Return on Assets ROA Return on Equity ROE Beban Operational terhadap Pendapatan Operasional BOPO Cost to Income Ratio CIR Nett Core Operational Margin NCOM Financing to Deposits Ratio FDR 28.80 2.62 2.35 0.39 -3.60 -18.60 135.10 47.90 5.60 78.25 28.80 2.15 4.17 2.55 -12.02 -63.72 304.60 24.39 6.11 73.70 27.68 2.02 3.59 1.95 0.61 3.65 88.05 55.79 5.07 68.92 Capital Adequacy Ratio CAR Provision to Earning Assets Gross NPF Nett NPF ROA ROE Operational Eiciency Ratio OER CIR NCOM FDR Periode 19 Juni - 30 Juni Period of June 19 - June 30 Periode 19 Juni - 31 Desember Period of June 19 - December 31 2010 Annual Report BNI Syariah laporan Distribusi Bagi hasil per 31 Desember 2010 Proit loss Distribution Report as of Desember 31, 2010 Porsi Pemilik Dana Giro Wadiah a.Bank b.Non Bank -Rupiah -Valas Tabungan Mudharabah a.Bank b.Non Bank Deposito Mudharabahs a.Bank Bank - 1 Bulan 1 month - 3 Bulan 3 months - 6 Bulan 6 months - 12 Bulan 12 months b.Non Bank non Bank 1. Rupiah Rupiahs - 1 Bulan 1 month - 3 Bulan 3 months - 6 Bulan 6 months - 12 Bulan 12 months 2. Valas Foreign Currency - 1 Bulan 1 month - 3 Bulan 3 months - 6 Bulan 6 months - 12 Bulan 12 months Jumlah Total 14,622 573,828 25,702 - 1,717,259 - - - - 1,353,854 203,983 125,579 747,768 6,553 1,341 5,887 3,310 4,779,686 122 5,145 55 - 14,937 - - - - 12,248 1,829 1,123 6,752 16 4 14 9 42,254 - - - - 30 - - - - 64 66 68 70 15 15 15 15 12 515 5 - 4,481 - - - - 7,839 1,207 764 4,727 2 1 2 1 19,556 1.00 1.08 0.25 - 3.13 6.95 7.10 7.30 7.59 0.44 0.60 0.43 0.48 Jenis Penghimpunan Saldo Rata-rata Types of Fund Accumulation Fund Owner’s Portion Average Balance Pendapatan yang Harus Dibagi Hasil Income which should be shared Jumlah Bonus dan Bagi Hasil Amount of Bonuses and Revenue Sharing Indikasi Rate of Return Indicated Rate of Return Nisbah Ratios Wadiah Current Account a. Bank b. Non Bank - Rupiahs - Foreign Currency Mudharabah Savings a. Bank b. Non Bank Mudharabah Time Deposits Dalam jutaan Rupiah In million Rupiahs meningkat secara signiikan dari -63,72 di Juni 2010 menjadi 3,65 pada tahun 2010. Posisi Desember 2009 Roe sebesar -18,60. d. Beban operational terhadap Pendapatan operasional BoPo BoPo pada tahun 2010 sebesar 88,05, menurun sebesar 216,55 dari posisi Juni 2010 sebesar 304,60. Posisi Desember 2009 sebesar 135,10. e. Financing to Deposit Ratio FDR FDR per 31 Desember 2010 sebesar 68,92, mengalami penurunan sebesar 4,78 dibandingkan posisi Juni 2010 sebesar 73,70. Posisi FDR per Desember 2009 sebesar 78,25.

4. Realisasi dan Metode Perhitungan Bagi Hasil