Lampiran 4
PT Bank Tabungan Negara Persero Cabang Medan Kinerja Keuangan diukur dari Rasio-Rasio Keuangan Bank
Per 31 Desember 2005 – 2006
URAIAN 2005 Rp
2006 Rp
RASIO LIKUIDITAS A. Quick Ratio a:b
0,722 1,247
Cash Assets a 3.284.307.128,47
6.473.427.415,47 Kas
3.257.925.850,00 6.440.074.610,00
Giro pada Bank Indonesia -
- Penempatan pada bank lain
26.381.278,47 33.352.805,47
Total Deposit b 454.646.794.533,80
518.981.503.170,12 Giro pada pasiva
17.094.318.540,61 126.149.088.804,21
Tabungan 256.148.669.500,08
264.553.020.111,54 Deposit Berjangka
181.403.806.493,11 128.279.394.254,37
B. Cash Ratio a : b 0.696
1,195
Cash Assets a 3.284.307.128,47
6.473.427.415,47 Pinjaman yang harus segera dibayar b
471.959.720.274,33 541.913.752.837,45
Tabungan 256.148.669.500,08
264.553.020.111,54 Deposito Berjangka
181.403.806.493,11 128.279.394.254,37
Donny Rahdian Habibie : Analisis Kinerja Keuangan Perusahaan Dengan Menggunakan Metode Rasio..., 2007 USU Repository © 2009
Kewajiban segera lainnya 4.628.022.022,66
10.212.884.971,65 Simpanan dari bank lain
- -
Kewajiban lain – lain 12.684.903.717,87
12.719.364.695,68 Giro pada pasiva
17.094.318.540,61 126.149.088.804,21
C. Loan to Assets Ratio a : b 61,728
55,556
Total Loans kredit yang diberikan a 294.510.324.876,14
311.995.907.748,32 Total Assets b
477.106.514.131,04 561.588.620.105,86
RASIO SOLVABILITAS A. Prymary Ratio a : b
0,931 3,305
Equity Capital a 4.443.975.192,52
18.559.753.290,53 Modal Disetor
- -
Cadangan Umum -
- Modal Sumbangan
- -
Laba ditahantahun berjalan 4.443.975.192,52
18.559.753.290,53 Total Assets b
477.106.514.131,04 561.588.620.105,86
B. Capital Ratio a : b 1,509
5,949
Equity Capital a 4.443.975.192,52
18.559.753.290,53 Total Loans b
294.510.324.876,14 311.995.907.748,32
Donny Rahdian Habibie : Analisis Kinerja Keuangan Perusahaan Dengan Menggunakan Metode Rasio..., 2007 USU Repository © 2009
C. Capital Adequacy Ratio a : b -5,615
-1,081
Equity Capital 4.443.975.192,52
18.559.753.290,53 Fixed Assets
20.980.183.089,39 21.932.900.075,39
Equity Capital – Fixed Assets a - 16.536.207.896,87
- 3.373.146.784,86 Total Loans b
294.510.324.876,14 311.995.907.748,32
RASIO PROFITABILITAS A. Gross Profit Margin a-b :a
-24,686 -20,428
Operating Income a 41.936.221.424,47
48.770.065.390,99 Pendapatan Bunga
39.490.900.312,51 45.032.738.802,20
Pendaptan Operasional Lainnya 3.445.321.111,96
3.737.326.588,79 Operasional Expense b
52.288.603.191,97 58.732.874.047,36
Beban Bunga 23.446.299.660,95
31.883.022.560,79 Beban Operasional lainnya
28.842.303.531,02 26.849.851.486,57
operating Income – Operating Expense
- 10.352.381.767,50 - 9.962.808.656,37
B. Net Profit Margin a : b 10,597
