Analisis Perkembangan Kecukupan Modal CAR pada PT. Bank

❀❁ Gambar 4.2 Grafik Kecukupan Modal Pada PT. Bank Rakyat Indonesia Persero, Tbk ❂❃❄❅❆ ❇ ❈ ❃ ❉ ❃ ❊ ❇❃ ❋❃ ❉ ❇ ❈ ❆ ❈●❃ ❉ ❍ ❈ ❆❃ ❈ ■❅ ❏❑▲ ❑ ❋ ❃❍ ▼ ◆❇❃❆ ❖P◗ ❘ ❂ ❙ ❚❃❍ ▲ ◗ ❃▲ ❯ ❃ ❉ ❱ ❍ ❇ ◆❍❅ ❊ ❈ ❃ ❘❅ ❲ ❊ ❅ ❲ ◆ ❇❃ ❲ ❈ ❉ ❃ ●❑❍ ❳ ❨ ❨❩ ❊ ❃ ❬ ❋❃ ❈ ❇ ❅❍ ❭ ❃❍ ❉ ❃ ● ❑ ❍ ❳ ❨ ❩❩ ❬ ❅❍ ❭ ❃❆❃ ❬ ❈ ❪❆❑▲ ❉❑❃ ❊ ❈ ❙ ❘❅❍ ❈ ❍ ❭ ▲ ❃ ❉ ❃❍ ❋ ❃❇ ❃ ■❅ ❏❑ ▲ ❑❋❃❍ ▼ ◆❇❃❆ ❖ P◗ ❬ ❅❍ ❑❍ ❫❑▲❃❍ ❄❃ ●❴❃ ❘❅❍ ❈ ❍ ❭ ▲ ❃ ❉ ❃❍ ❉ ❅ ❲ ❊ ❅❄ ❑ ❉ ❇ ❈❊ ❅❄ ❃❄▲ ❃❍ ▲ ❃ ❲ ❅❍ ❃ ❃❇ ❃❍ ❯ ❃ ❋❅❍ ❈ ❍ ❭ ▲ ❃ ❉ ❃❍ ❫❑ ❬ ❆❃ ● ❬ ◆ ❇ ❃❆ ❄❃❍ ▲❙ ❵ ❃❆ ❈ ❍ ❈ ❬ ❅ ❲ ❑ ❋ ❃▲ ❃❍ ●❃❆ ❋◆ ❊ ❈❉❈❪ ❄❃ ❭ ❈ ❋ ❅ ❲ ❑ ❊ ❃ ● ❃❃❍ ❑ ❍ ❉❑ ▲ ❬ ❅❍ ❫ ❃❆❃❍▲ ❃❍ ▲❅ ❭ ❈ ❃ ❉ ❃❍ ◆ ❋ ❅ ❲ ❃❊ ❈◆❍❃❆❍ ❯ ❃❙ ❛ ❅ ❬ ❃▲ ❈ ❍ ❄❅ ❊ ❃ ❲ ❬ ◆❇❃❆ ❄❃❍ ▲ ❬ ❃▲❃ ❊ ❅ ❬ ❃▲ ❈ ❍ ❄❅ ❊ ❃ ❲ ❇❃❍ ❃ ❯ ❃❍ ❭ ❇ ❈❊ ❃❆ ❑ ❲ ▲ ❃❍ ▲ ❅ ❋ ❃❇ ❃ ❬ ❃ ❊ ❯ ❃ ❲ ❃▲❃ ❉ ❬ ❃▲❃ ❃▲ ❃❍ ❊ ❅ ❬ ❃▲ ❈ ❍ ❄❅ ❊ ❃ ❲ ▲ ❅ ❑ ❍ ❉❑ ❍ ❭ ❃❍ ❯ ❃❍ ❭ ❇ ❈❋ ❅ ❲ ◆❆❅ ● ◆ ❆❅ ● ❄ ❃❍▲ ❜ ❏◆ ❍ ❉◆●❍ ❯ ❃ ❇❃❆ ❃ ❬ ❄❅❍ ❉❑ ▲ ▲ ❲ ❅❇ ❈❉ ❙ ❝ ❃ ❬ ❑ ❍ ❜ ❇ ❃❆❃ ❬ ❋ ❅❍ ❯ ❃❆ ❑ ❲ ❃❍ ▲ ❲ ❅❇ ❈ ❉ ❜ ❄ ❃❍▲ ❫❑ ❭ ❃ ❬ ❅ ❬ ❈ ❆ ❈ ▲ ❈ ❲ ❅ ❊ ❈ ▲ ◆ ❙ ❛ ❅ ❬ ❃▲ ❈ ❍ ❄ ❅ ❊ ❃ ❲ ▲ ❲ ❅❇ ❈❉ ❯ ❃❍ ❭ ❇ ❈❊ ❃❆ ❑ ❲ ▲❃ ❍ ❬ ❃▲ ❃ ❊ ❅ ❬ ❃▲ ❈ ❍ ❄❅ ❊ ❃ ❲ ❋ ❑ ❆ ❃ ❲ ❅ ❊ ❈ ▲ ◆ ❯ ❃❍ ❭ ❇ ❈●❃❇❃ ❋ ❈ ❄ ❃❍▲ ❙P❇ ❃ ❋❑❍ ❋❅❍ ❑ ❲ ❑ ❍ ❃❍ ❉ ❅ ❲ ❫ ❃❇ ❈ ❋ ❃❇ ❃ ❉ ❃ ● ❑ ❍ ❳ ❨❨❞❜ ❳ ❨❨❡❜ ❳ ❨ ❨ ❀ ❇ ❃❍ ❳ ❨ ❨❢ ❉ ❑ ❲ ❑❍❍ ❯ ❃ ❲ ❃ ❊ ❈◆ ▲❅ ❏❑▲ ❑ ❋ ❃❍ ❬ ◆❇❃❆ ❖P◗ ❇ ❈❊ ❅❄ ❃❄▲ ❃❍ ▲ ❃ ❲ ❅❍ ❃ ❬ ❅❍ ❑ ❲ ❑❍❍ ❯ ❃ ❫❑ ❬ ❆❃ ● ❬ ◆ ❇ ❃❆ ❄ ❃❍▲ ❇❃❍ ❋❅❍ ❑ ❲ ❑❍❃❍ ❋❃❇ ❃ ❲ ❃ ❊ ❈◆ ❣ ❣ ❤✐❥❦ ❤❦ ❧♠♥ ♦♣ q♠r st✉ ♥♠♥ ✈✇♥ ① ♠ ♠ ❤ ♠♥ ♦ ✐♥ ②③♠ ♦④♠✈ r♠⑤❦ ❤✐ ② ✇♠✈♠♥ ♣ ❧✐⑥♠ ⑦ ✇♣ ♥♠r ❧✐⑥❦ ⑦ ♠ ③♠♠♥ ⑧

4.2.2 Analisis Perkembangan Likuiditas LDR PT. Bank Rakyat Indonesia

Persero, Tbk ⑨ ✐♥ ❦⑥ ❦✈ ⑩ ✐✇✈ ③❶♠r ❷ ❸ ❸❹ ❺ ❹ ❷ ❻ ♦ ✐♥ ⑤✐r♠ ⑦ ❤♠♥ ④ ♠ ③❼♠ ❺ ❽❾❿ n to ➀ ➁➂ ❾➃ ➄ t ➅ ❿ ➆➄ o ♠ q♠r♠ ③ ⑥♠ ⑦ ✇♣ ① ♠♥ ② ♦✐♥ ②❦ ❤❦⑥ ❧✐⑥ ④♠♥ q✇♥ ②♠♥ ⑤❦ ♦ r♠ ③ ❤ ⑥ ✐ q ✇✈ ① ♠♥ ② q✇ ④ ✐⑥ ✇ ❤ ♠♥ ④ ♠♥ ❤ q✐♥ ②♠♥ q♠♥♠ ① ♠♥ ② q✇✈✐⑥✇ ♦♠ ♣ r ✐ ③ ④♠♥ ❤➇ ① ♠♥ ② ♦ ✐♥ ②②♠ ♦④♠⑥ ❤♠♥ ❤✐ ♦ ♠ ♦ ❧ ❦ ♠♥ ④ ♠♥ ❤ q♠r♠ ♦ ♦✐ ♦④♠ ① ♠ ⑥ ❤✐ ♦④♠r✇ ❧✐♥♠⑥ ✇ ❤ ♠♥ q♠♥♠ ♣ r✐ ③ q ✐ ❧♣ ⑦ ♠♥ q✐♥ ②♠♥ ♦ ✐♥ ② ♠♥ q ♠r ❤♠♥ ❤⑥✐ q✇ ✈ ① ♠♥ ② q✇ ④ ✐⑥ ✇ ❤ ♠♥ ⑦ ✐ ④♠ ② ♠✇ ⑦ ❦ ♦④✐⑥ r✇ ❤❦✇ q✇ ✈♠ ⑦ ♥ ① ♠ ⑧ ✉ ♠ ⑦ ✇♣ r✇ ❤❦✇ q✇ ✈♠ ⑦ ① ♠♥ ② r♠❶✇ ♦ q ✇ ② ❦ ♥♠ ❤♠♥ q♠r♠ ♦ q❦♥ ✇♠ ❧✐⑥ ④ ♠♥ ❤ ♠♥ ① ♠✇✈❦ ❽ ❾❿ ➈ to ➀ ➁➂❾ ➃ ➄ t ➅ ❿ ➆➄ o ➉➊ ✉ ⑧ ➋♠♥ ❤ ➌♥ q♣♥ ✐ ⑦ ✇ ♠ ♦ ✐♥ ✐✈♠ ❧ ❤ ♠♥ ⑥ ♠ ⑦ ✇♣ ➉ ➊ ✉ ⑦ ✐ ④✐ ⑦ ♠⑥ ➍➍ ❸➎ ➇ ♠✈♠❦ ④ ✇r♠ ♦✐r✐ ④ ✇ ③✇ q✇ ④ ✐⑥ ✇ ♥✇r♠✇ ❤⑥✐ q✇✈ ❸ ① ♠♥ ② ♠⑥ ✈✇♥ ① ♠ r✇ ❤ ❦ ✇ q ✇✈♠ ⑦ ④ ♠♥ ❤ ✈✐⑥ ⑦ ✐ ④❦✈ q ✇♥✇r♠✇ ✈✇ q♠ ❤ ⑦ ✐ ③♠✈➇ q ♠♥ ❦ ♥✈❦ ❤ ⑥♠ ⑦ ✇♣ ➉➊ ✉ q ✇ ④♠❼♠ ③ ➍➍ ❸ q✇ ④ ✐⑥ ✇ ♥ ✇r♠✇ ❤⑥✐ q ✇✈ ➍ ❸ ❸ ① ♠♥ ② ♠⑥ ✈ ✇♥ ① ♠ r✇ ❤ ❦ ✇ q ✇✈♠ ⑦ ④ ♠♥ ❤ ✈✐⑥ ⑦ ✐ ④ ❦ ✈ q ✇♥ ✇r♠✇ ⑦ ✐ ③ ♠✈ ⑧ ➏➐ ➑➒ ➓ ➒ ➔→ ➔➣ ➐↔➒ ➣ →➔ ↕ ➒ ➙ ➒ ➣ ↕→ ➣➛➜ → ➔ ➝ ➞ ➍ ❸❸ ➎ ➟➠ ➡➢➤ ➥ ➦➤ ➧➨➩ ➫➭➯ ➲➳ ➵➵➸ ➺ ➸➳ ➻ ➼ ➽ ➐➓ ↕ ➒ ➔ ➒ ➓ ➾ ➒ ➚ ↕ ➒ ➣➒ ➔➐ ➾ ➛ ➚ ↕➐ ➓ ➪ ➒ ➚➶ ➣ ➐➓ ➾ ➛ ↔ ➙➛➜ ↕→ ➙➐ ➓ ➹ ➜ ➐ ➘ ➙➐➓ ➾ ➐ ↔ ➴ ➒ ➚➶ ➒ ➚ ➜ → ➾ ➛→↕→ ➣ ➒ ➔ ➷➬➮➱✃ ➙ ➒ ↕ ➒ ❐❒ ❮ ➽ ➒ ➚ ➾ ❰ ➐ ➶ ➒➓➒ Ï➚ ↕ ➹➚ ➐ ➔→ ➒ ➷❐ ➐➓ ➔➐➓ ➹ ✃ ❒ ➴➾ ➔➐ ➴ ➒ ➶ ➒ → ➴ ➐➓ → ➾ ➛➣ ➝ ÐÑ Tabel 4.2 ÒÓÔÕ Ó Ö ×ØÙ ÚØÙ ÛÜÝ ÞØß àÙ áâ â ã ä ØÖ åØ æ ç Ó Ù ÚØÙ ÞØß à Ù á â ã ã Tahun LDR Perubahan LDR èé éê ë ìí è î èé éè ë ï í è ê èé é ð ñ è í é ê í ï èé éò ïï í ï è ñ í ï èé é ë ììí ð êê í ë èé é ñ ì è í ë ò í ï èé é ì óó í é è ñ í ë èé é ï ì ó í ó ê ó í ê èé é ó ï é í ó ê èé êé ì ð í ð ì í ñ èé êê ì ñ ô ð ð õ ö ÷ ø ùúû ü ý þÿ ú ý ✁ ùöý ✂ý ✄☎ ✆ ✝ ý ✁ ✞ ý✁ ✟ý ✠ ✡ ☛ÿ ù ☞✌ ý ✄ ùú ☞ ùú ÿ ✍ ✎ý ✠ ý ✎✌ ÿ ✏ ý ✑ ÞØ × Ó ✒ ✓✔á ✕ÓÔä Ó× à✕✖ àÙ ✕à Õ Ö Ó Öå ÓÔ Ö àçØß çØ✒ØÖ Ö Ó Ö ØßØÖ æ å ÓÔÕ Ó Ö ×ØÙ ÚØ Ù ✗ Ø æ✕à ÕÓ Ù Ø æÕ ØÙ Ø ✕ Ø à å Ó Ù à Ôà Ù ØÙ ÔØä æ ✘ Û æÕ àæ ç æ✕ Øä ÛÜÝ ÖØ ÕØ å Ó ✙✚✛✜ ✢ ✣✤ ✙ ✥ ✥ ✦ ✣✧ ✦★✩✦ ✙ ✪✦ ✛✦ ✣ ✧ ✤ ✙ ✫ ✚✩ ✥ ★✦✬✜ ✩ ✢ ✤✧ ✦✥ ✦✜ ✧✤ ★ ✜ ✩✚ ✫ ✭ ✮✯ Gambar 4.3 Grafik Rasio Likuiditas Pada PT. Bank Rakyat Indonesia Persero, Tbk ✰✱✲✳ ✴✱✵✶✷ ✸ ✱✹ ✺ ✲✱✻ ✳ ✼ ✸ ✳ ✱ ✴✱ ✽ ✸ ✱ ✾ ✱✴ ✸ ✳ ✷ ✳✿ ✱✴ ✹✳ ✷ ✱✳ ❀✳ ✼ ❁ ✳ ✸ ✳✴✱ ✽ ❂❃❄ ❅ ✱✹✼ ❆ ✱ ✼ ❇ ✱✴ ❈ ✹✸ ❉ ✹ ✶✽ ✳✱ ❂✶ ✲ ✽ ✶ ✲ ❉ ❊ ❃ ✵ ✼ ✸ ✱✲✳ ✴✱✿❁ ✹ ❋ ✯ ✯ ● ✸ ✶ ✹ ✺ ✱✹ ✴ ✱✿ ❁ ✹ ❋ ✯ ●● ❍ ✶ ✹✺ ✱ ✷ ✱ ❍ ✳ ✻ ✷❁ ✼ ✴ ❁ ✱ ✽ ✳ ❄ ❅ ✶ ✲ ✸ ✱ ✽ ✱✲✼ ✱✹ ✷ ✱ ✾ ❉ ✲✱✹ ✼✶ ❁ ✱✹✺ ✱✹ ✸ ✱ ✾ ✱✴ ✸ ✳ ✼ ✶ ✴✱✿ ❁ ✳ ✵✱✿■ ✱ ✷✳ ✼ ❁ ✳ ✸ ✳✴✱ ✽ ❀✰ ❆ ❂ ❃ ❄ ❅ ✱✹ ✼ ❆ ✱ ✼ ❇ ✱✴ ❈ ✹ ✸ ❉ ✹✶✽ ✳✱ ❂✶ ✲ ✽ ✶ ✲ ❉ ❃✵ ✼ ✾✶ ✲ ✳ ❉ ✸ ✶ ❋ ✯ ✯ ● ❏❋ ✯ ● ● ✵ ✶✷❁ ❍ ❍ ✶ ✹ ❑ ✱ ✾ ✱✳ ● ● ✯ ❄ ✰ ✶ ✹✺ ✱✹ ✼ ✱✴✱ ✷ ✱✳✹ ❊ ❀✰ ❆ ❂ ❃ ❄ ❅ ✱✹✼ ❆ ✱ ✼ ❇ ✱✴ ❈ ✹ ✸ ❉ ✹✶✽ ✳✱ ❂✶ ✲ ✽ ✶ ✲ ❉ ❃ ✵ ✼ ✽ ✱✹ ✺ ✱✴ ✲✶ ✹ ✸ ✱ ✿❄ ▲✱ ✷ ✴ ✶ ✲ ✽ ✶ ✵ ❁ ✴ ❍ ✶ ✹ ❁ ✹▼ ❁ ✼✼ ✱✹ ✲ ✶ ✹✸ ✱✿ ✹ ❇ ✱ ✾✶ ✹❇ ✱✷❁ ✲✱ ✹ ✼ ✲ ✶✸ ✳✴ ❇ ✱✹✺ ✸ ✳ ✷ ✱ ✼ ❁✼ ✱✹ ❉ ✷✶ ✿ ❂ ❃❄ ❅ ✱✹ ✼ ❆ ✱ ✼ ❇ ✱✴ ❈ ✹✸ ❉ ✹ ✶✽ ✳✱ ❂✶ ✲ ✽ ✶ ✲ ❉ ❃✵✼ ✽ ✶ ✿ ✳✹ ✺ ✺ ✱ ✷ ✱✵ ✱ ❇ ✱✹✺ ✸ ✳ ✾✶ ✲ ❉ ✷✶ ✿ ✲✶ ✹ ✸ ✱ ✿ ❄ ◆ ✱ ❍ ❁ ✹ ❊ ✸ ✱✲✳ ✽ ✶✺ ✳ ✷ ✳ ✼❁ ✳ ✸ ✳✴✱ ✽ ✽ ✶ ❑ ✱✲✱ ❁ ❍ ❁ ❍ ✸ ✱ ✾ ✱✴ ✸ ✳ ✼ ✱✴✱ ✼ ✱✹ ✵✱✿■ ✱ ✷ ✳ ✼ ❁ ✳ ✸ ✳✴✱ ✽ ❂ ❃ ❄ ❅ ✱✹✼ ❆ ✱ ✼ ❇ ✱✴ ❈ ✹✸ ❉ ✹ ✶✽ ✳✱ ❂✶ ✲ ✽ ✶ ✲ ❉ ❃✵✼ ✵✶ ✲✱ ✸ ✱ ✸ ✱ ✷ ✱ ❍ ✼ ✱✴ ✶ ✺ ❉ ✲✳ ✵✱✳ ✼ ❄ ❈ ✹ ✳ ❍ ✶ ✲❁✾ ✱ ✼ ✱✹ ✿ ✱ ✷ ✾ ❉ ✽ ✳✴ ✳✻ ✵✱✺ ✳ ✾ ✳✿✱ ✼ ✼✶ ✴✳ ✺ ✱ ❇ ✱✹✺ ❍ ✶ ✹❇ ✳ ❍ ✾ ✱✹ ✸ ✱✹ ✱✹❇ ✱ ✾ ✱ ✸ ✱ ❂ ❃ ❄ ❅ ✱✹ ✼ ❆ ✱ ✼ ❇ ✱✴ ❈ ✹ ✸ ❉ ✹✶✽ ✳✱ ❂✶ ✲ ✽ ✶ ✲ ❉ ❃ ✵ ✼ ✼ ✱✲✶ ✹✱ ✵ ✱✹ ✼ ❍ ✶ ❍ ✾❁ ✹ ❇ ✱✳ ✼ ✶ ❍ ✱ ❍ ✾❁ ✱✹ ❇ ✱ ✹ ✺