Indonesian Islamic Banking Outlook to 2013
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With the global financial crisis raising doubts over the world's conventional financial system, the banking industry in Indonesia stands to benefit from the global downturn and expects to continue rapid growth in the coming years. The financial crisis is having no negative impact on the development of Islamic banking in the country. So far, Islamic banks have not showed any weakening of their performance and we expect both assets and lending would grow at a CAGR of over 50% between 2009 and 2013. This optimistic view is based on its very nature (avoid involvement of interest rates), extremely low penetration and a healthy growth in lending over the past two years.
While it makes sense for global financial institutions to continue growth, exploit the opportunities offered by the Islamic banking market despite the financial crisis, and keep themselves regularly updated against the status of Islamic banking market in some of the emergent countries, it is worthwhile to keep eyes on developments in Islamic banking markets. Keeping the same fact in mind, RNCOS decided to research on one of the fastest growing Islamic banking destinations - Indonesia - and launched a report, “Indonesian Islamic Banking Outlook to 2013”.
The report gives an extensive research and in-depth analysis on the Islamic banking market in Indonesia and helps clients to analyze the opportunities being opened by it. Based on this analysis, the report gives a forecast of the market intended as a rough guide to the direction in which the market is likely to move. The report provides 4-year industry forecast (2009-2013) on various key banking performance indicators, including:
Multi-User License: US$ 1500.00
Hard Copy: US$ 900.00
CD-ROM: US$ 900.00
With the global financial crisis raising doubts over the world's conventional financial system, the banking industry in Indonesia stands to benefit from the global downturn and expects to continue rapid growth in the coming years. The financial crisis is having no negative impact on the development of Islamic banking in the country. So far, Islamic banks have not showed any weakening of their performance and we expect both assets and lending would grow at a CAGR of over 50% between 2009 and 2013. This optimistic view is based on its very nature (avoid involvement of interest rates), extremely low penetration and a healthy growth in lending over the past two years.
While it makes sense for global financial institutions to continue growth, exploit the opportunities offered by the Islamic banking market despite the financial crisis, and keep themselves regularly updated against the status of Islamic banking market in some of the emergent countries, it is worthwhile to keep eyes on developments in Islamic banking markets. Keeping the same fact in mind, RNCOS decided to research on one of the fastest growing Islamic banking destinations - Indonesia - and launched a report, “Indonesian Islamic Banking Outlook to 2013”.
The report gives an extensive research and in-depth analysis on the Islamic banking market in Indonesia and helps clients to analyze the opportunities being opened by it. Based on this analysis, the report gives a forecast of the market intended as a rough guide to the direction in which the market is likely to move. The report provides 4-year industry forecast (2009-2013) on various key banking performance indicators, including:
- Islamic banking assets
- Islamic bank financing
- Islamic bank deposits
1. ANALYST VIEW
2. MARKET STRUCTURE AND PERFORMANCE OVERVIEW
2.1 Assets
2.2 Financing
2.3 Deposits
3. MARKET PERFORMANCE BY TYPE OF BANKS
3.1 Islamic Commercial Banks
3.1.1 By Asset
3.1.2 By Financing
3.1.3 By Deposit
3.1.3.1 Wadiah Demand
3.1.3.2 Mudharabah Time
3.1.3.3 Mudharabah Saving
3.2 Islamic Business Units
3.2.1 By Asset
3.2.2 By Financing
3.2.3 By Deposit
3.2.3.1 Wadiah Demand
3.2.3.2 Mudharabah Time
3.2.3.3 Mudharabah Saving
3.3 Islamic Rural Banks
3.3.1 By Asset
3.3.2 By Financing
3.3.3 By Deposit
3.3.3.1 Wadiah Demand
3.3.3.2 Mudharabah Time
3.3.3.3 Mudharabah Saving
4. KEY INDUSTRY TRENDS
4.1 Small & Medium Enterprises
4.2 Sukuk (Islamic Bonds)
4.3 Islamic Cards
4.4 Microfinance Market
4.5 Training Institutes and Advertising Media
4.6 Huge Population Base
4.7 Highly Untapped Market
4.8 Growing Income Level
4.9 Weak Product Understanding
4.10 Financing through Profit-sharing Schemes
4.11 Requirement of Supporting Institutions
5. REGULATORY DEVELOPMENTS
5.1 Rising Non-performing Financing
5.2 Compliance to Islamic Principles
5.3 Prudential Guidelines
5.4 Operational Efficiency and Competitiveness
5.5 Pilot Project Implementation
5.6 Improving Competence of HR Personnel
5.7 Social Role of Islamic Banks
2. MARKET STRUCTURE AND PERFORMANCE OVERVIEW
2.1 Assets
2.2 Financing
2.3 Deposits
3. MARKET PERFORMANCE BY TYPE OF BANKS
3.1 Islamic Commercial Banks
3.1.1 By Asset
3.1.2 By Financing
3.1.3 By Deposit
3.1.3.1 Wadiah Demand
3.1.3.2 Mudharabah Time
3.1.3.3 Mudharabah Saving
3.2 Islamic Business Units
3.2.1 By Asset
3.2.2 By Financing
3.2.3 By Deposit
3.2.3.1 Wadiah Demand
3.2.3.2 Mudharabah Time
3.2.3.3 Mudharabah Saving
3.3 Islamic Rural Banks
3.3.1 By Asset
3.3.2 By Financing
3.3.3 By Deposit
3.3.3.1 Wadiah Demand
3.3.3.2 Mudharabah Time
3.3.3.3 Mudharabah Saving
4. KEY INDUSTRY TRENDS
4.1 Small & Medium Enterprises
4.2 Sukuk (Islamic Bonds)
4.3 Islamic Cards
4.4 Microfinance Market
4.5 Training Institutes and Advertising Media
4.6 Huge Population Base
4.7 Highly Untapped Market
4.8 Growing Income Level
4.9 Weak Product Understanding
4.10 Financing through Profit-sharing Schemes
4.11 Requirement of Supporting Institutions
5. REGULATORY DEVELOPMENTS
5.1 Rising Non-performing Financing
5.2 Compliance to Islamic Principles
5.3 Prudential Guidelines
5.4 Operational Efficiency and Competitiveness
5.5 Pilot Project Implementation
5.6 Improving Competence of HR Personnel
5.7 Social Role of Islamic Banks
LIST OF FIGURES:
Figure 2-1: Assets of Islamic Banks (Trillion Rp), 2002-2008
Figure 2-2: Forecast for Assets of Islamic Banks (Trillion Rp), 2009-2013
Figure 2-3: Forecast for Financing by Islamic Banks (Trillion Rp), 2009-2013
Figure 2-4: Forecast for Deposits with Islamic Banks (Trillion Rp), 2009-2013
Figure 3-1: Assets of Islamic Commercial Banks (Trillion Rp), 2002-2008
Figure 3-2: Forecast for Assets of Islamic Commercial Banks (Trillion Rp), 2009-2013
Figure 3-3: Financing by Islamic Commercial Banks (Trillion Rp), 2002-2008
Figure 3-4: Forecast for Financing by Islamic Commercial Banks (Trillion Rp), 2009-2013
Figure 3-5: Wadiah Demand Deposits with Islamic Commercial Banks (Billion Rp), 2002-2008
Figure 3-6: Forecast for Wadiah Demand Deposits with Islamic Commercial Banks (Billion Rp), 2009-2013
Figure 3-7: Mudharabah Time Deposits with Islamic Commercial Banks (Billion Rp), 2002-2008
Figure 3-8: Forecast for Mudharabah Time Deposits with Islamic Commercial Banks (Billion Rp), 2009-2013
Figure 3-9: Mudharabah Saving Deposits with Islamic Commercial Banks (Billion Rp), 2002-2008
Figure 3-10: Forecast for Mudharabah Saving Deposits with Islamic Commercial Banks (Billion Rp), 2009-2013
Figure 3-11: Assets of Islamic Business Units (Trillion Rp), 2002-2008
Figure 3-12: Forecast for Assets of Islamic Business Units (Trillion Rp), 2009-2013
Figure 3-13: Financing by Islamic Business Units (Trillion Rp), 2002-2008
Figure 3-14: Forecast for Financing by Islamic Business Units (Trillion Rp), 2009-2013
Figure 3-15: Wadiah Demand Deposits with Islamic Business Units (Billion Rp), 2002-2008
Figure 3-16: Forecast for Wadiah Demand Deposits with Islamic Business Units (Billion Rp), 2009-2013
Figure 3-17: Mudharabah Time Deposits with Islamic Business Units (Billion Rp), 2002-2008
Figure 3-18: Forecast for Mudharabah Time Deposits with Islamic Business Units (Billion Rp), 2009-2013
Figure 3-19: Mudharabah Saving Deposits with Islamic Business Units (Billion Rp), 2002-2008
Figure 3-20: Forecast for Mudharabah Saving Deposits with Islamic Business Units (Billion Rp), 2009-2013
Figure 3-21: Share of Islamic Rural Banks in National Rural Banking Assets (%), 2007
Figure 3-22: Financing by Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-23: Non-performing Financing of Islamic Rural Banks (%), 2007 & 2008
Figure 3-24: Forecast for Financing by Islamic Rural Banks (Billion Rp), 2009-2013
Figure 3-25: Financing by Islamic Rural Banks to Economic Sectors (%), 2007
Figure 3-26: Financing by Islamic Rural Banks as per Use (%), 2007
Figure 3-27: Financing Pattern of Islamic Rural Banks (%), 2007
Figure 3-28: Wadiah Saving Deposits with Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-29: Forecast for Wadiah Saving Deposits with Islamic Rural Banks (Billion Rp), 2009-2013
Figure 3-30: Mudharabah Deposits with Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-31: Forecast for Mudharabah Deposits with Islamic Rural Banks (Billion Rp), 2009-2013
Figure 3-32: Mudharabah Saving Deposits with Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-33: Forecast for Mudharabah Saving Deposits with Islamic Rural Banks (Billion Rp), 2009-2013
Figure 4-1: Muslim Population (Million), 2002-2008
Figure 4-2: Forecast for Muslim Population (Million), 2009-2012
Figure 4-3: Share of Islamic Banks in Malaysia, Turkey, Indonesia and Pakistan in National Banking Assets (%)
Figure 4-4: Per Head Disposable Income (US$), 2006-2008
Figure 4-5: Forecast for Per Head Disposable Income (US$), 2009-2012
Figure 5-1: Roadmap for Islamic Banks (2002 to 2015)
Figure 2-1: Assets of Islamic Banks (Trillion Rp), 2002-2008
Figure 2-2: Forecast for Assets of Islamic Banks (Trillion Rp), 2009-2013
Figure 2-3: Forecast for Financing by Islamic Banks (Trillion Rp), 2009-2013
Figure 2-4: Forecast for Deposits with Islamic Banks (Trillion Rp), 2009-2013
Figure 3-1: Assets of Islamic Commercial Banks (Trillion Rp), 2002-2008
Figure 3-2: Forecast for Assets of Islamic Commercial Banks (Trillion Rp), 2009-2013
Figure 3-3: Financing by Islamic Commercial Banks (Trillion Rp), 2002-2008
Figure 3-4: Forecast for Financing by Islamic Commercial Banks (Trillion Rp), 2009-2013
Figure 3-5: Wadiah Demand Deposits with Islamic Commercial Banks (Billion Rp), 2002-2008
Figure 3-6: Forecast for Wadiah Demand Deposits with Islamic Commercial Banks (Billion Rp), 2009-2013
Figure 3-7: Mudharabah Time Deposits with Islamic Commercial Banks (Billion Rp), 2002-2008
Figure 3-8: Forecast for Mudharabah Time Deposits with Islamic Commercial Banks (Billion Rp), 2009-2013
Figure 3-9: Mudharabah Saving Deposits with Islamic Commercial Banks (Billion Rp), 2002-2008
Figure 3-10: Forecast for Mudharabah Saving Deposits with Islamic Commercial Banks (Billion Rp), 2009-2013
Figure 3-11: Assets of Islamic Business Units (Trillion Rp), 2002-2008
Figure 3-12: Forecast for Assets of Islamic Business Units (Trillion Rp), 2009-2013
Figure 3-13: Financing by Islamic Business Units (Trillion Rp), 2002-2008
Figure 3-14: Forecast for Financing by Islamic Business Units (Trillion Rp), 2009-2013
Figure 3-15: Wadiah Demand Deposits with Islamic Business Units (Billion Rp), 2002-2008
Figure 3-16: Forecast for Wadiah Demand Deposits with Islamic Business Units (Billion Rp), 2009-2013
Figure 3-17: Mudharabah Time Deposits with Islamic Business Units (Billion Rp), 2002-2008
Figure 3-18: Forecast for Mudharabah Time Deposits with Islamic Business Units (Billion Rp), 2009-2013
Figure 3-19: Mudharabah Saving Deposits with Islamic Business Units (Billion Rp), 2002-2008
Figure 3-20: Forecast for Mudharabah Saving Deposits with Islamic Business Units (Billion Rp), 2009-2013
Figure 3-21: Share of Islamic Rural Banks in National Rural Banking Assets (%), 2007
Figure 3-22: Financing by Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-23: Non-performing Financing of Islamic Rural Banks (%), 2007 & 2008
Figure 3-24: Forecast for Financing by Islamic Rural Banks (Billion Rp), 2009-2013
Figure 3-25: Financing by Islamic Rural Banks to Economic Sectors (%), 2007
Figure 3-26: Financing by Islamic Rural Banks as per Use (%), 2007
Figure 3-27: Financing Pattern of Islamic Rural Banks (%), 2007
Figure 3-28: Wadiah Saving Deposits with Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-29: Forecast for Wadiah Saving Deposits with Islamic Rural Banks (Billion Rp), 2009-2013
Figure 3-30: Mudharabah Deposits with Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-31: Forecast for Mudharabah Deposits with Islamic Rural Banks (Billion Rp), 2009-2013
Figure 3-32: Mudharabah Saving Deposits with Islamic Rural Banks (Billion Rp), 2005-2008
Figure 3-33: Forecast for Mudharabah Saving Deposits with Islamic Rural Banks (Billion Rp), 2009-2013
Figure 4-1: Muslim Population (Million), 2002-2008
Figure 4-2: Forecast for Muslim Population (Million), 2009-2012
Figure 4-3: Share of Islamic Banks in Malaysia, Turkey, Indonesia and Pakistan in National Banking Assets (%)
Figure 4-4: Per Head Disposable Income (US$), 2006-2008
Figure 4-5: Forecast for Per Head Disposable Income (US$), 2009-2012
Figure 5-1: Roadmap for Islamic Banks (2002 to 2015)
LIST OF TABLES:
Table 2-1: Difference between Conventional & Islamic Banks
Table 2-2: Structure of Islamic Banking (2002-H1 2008)
Table 2-1: Difference between Conventional & Islamic Banks
Table 2-2: Structure of Islamic Banking (2002-H1 2008)
