Perkembangan Non Performing Loan Tahun 2009 - 2013
DAFTAR LAMPIRAN LAMPIRAN 1 PERKEMBANGAN RASIO KEUANGAN Perkembangan Capital Adequacy Ratio Tahun 2009 - 2013
14.07
18.45
14.33
13.02
14.36
14.28 PT. Bank Bukopin Tbk
15.86
14.1
13.77
12.2
15.36 PT. Bank Permata Tbk
15.16
13.16
13.47
13.88
12.81 PT. Bank CIMB Niaga Tbk
17.07 PT. Bank Artha Graha Internasional Tbk
13.65
11.95
14.10
19.18
11.70
14.78
18.84
21.82 PT. Bank Mega Tbk
18.09
13.98
13.05
12.65
16.99 PT. Bank Sinar Mas Tbk
19.18
19.96
25.64
28.08
15.82 PT. Bank Bumi Artha Tbk
16.45
13.13
12.64
Nama Perusahaan 2009 2010 2011 2012 2013 PT. Bank Rakyat Indonesia Tbk
15.48
15.1 PT. Bank Tabungan Negara Tbk
16.7
17.6
18.6
13.8
14.93 PT. Bank Negara Indonesia Tbk
15.34
16.74
13.36
15.43
16.99 PT. Bank Mandiri Tbk
16.95
14.96
13.76
13.20
21.54
15.03
14.90
17.6
19.3 PT. Bank Internasional Indonesia Tbk
16.5
13.8
17.6
20.5
17.9 PT. Bank OCBC NISP Tbk
18.9
16.0
17.69
20.7
15.7 PT. Bank Danamon Tbk
14.2
12.7
13.5
15.3
15.62 PT. Bank Central Asia Tbk
16.63
Perkembangan Biaya Operasional Terhadap Pendapatan Operasional Tahun 2009 - 2013
3.0
0.7
0.6
0.5
0.4
0.4 PT. Bank Danamon Tbk
4.5
2.5
4.09
2.3
1.9 PT. Bank OCBC NISP Tbk
3.12
1.99
1.26
0.91
0.73 PT. Bank Internasional Indonesia Tbk
4.05 PT. Bank Central Asia Tbk
2.75
3.09
2.18
2.78
2.30
1.78
1.55 PT. Bank Mandiri Tbk
2.62
2.21
1.74
3.26
1.60 PT. Bank Negara Indonesia Tbk
4.7
4.3
3.6
2.8
2.2 PT. Bank Tabungan Negara Tbk
3.36
2.42
2.14
Nama Perusahaan 2009 2010 2011 2012 2013 PT. Bank Rakyat Indonesia Tbk
2.18
1.76 PT. Bank Bumi Artha Tbk
2.15
2.25
1.07
0.63
0.21 PT. Bank Sinar Mas Tbk
1.26
1.85
0.88
3.18
2.50 PT. Bank Mega Tbk
1.70
0.90
0.98
2.09
0.80
2.00
1.70
2.7
2.11 PT. Bank CIMB Niaga Tbk
3.06
2.59
2.64
2.29
2.23 PT. Bank Permata Tbk
4.0
2.04
2.83
1.37
1.04 PT. Bank Bukopin Tbk
2.81
3.22
2.88
2.66
2.26 PT. Bank Artha Graha Internasional Tbk
3.52
Tahun 2009 - 2013
Nama Perusahaan 2009 2010 2011 2012 2013 PT. Bank Rakyat Indonesia Tbk
85.8
82.19 PT. Bank Central Asia Tbk
69.7
65.1
60.9
62.4
61.5 PT. Bank Danamon Tbk
81.1
81.75
79.3
75.0
82.9 PT. Bank OCBC NISP Tbk
76.88
83.25
79.85
78.93
80.74
82.39
92.26
66.43
77.66
70.86
66.69
59.93
60.58 PT. Bank Mandiri Tbk
70.72
67.22
88.29
63.93
62.41 PT. Bank Negara Indonesia Tbk
84.9
76.0
72.6
71.0
67.1 PT. Bank Tabungan Negara Tbk
78.03 PT. Bank Internasional Indonesia Tbk 100.77
92.75
89.76 Perkembangan Non Performing Loan
91.18
71.61 PT. Bank Bumi Artha Tbk
50.58
54.18
67.53
77.95
83.96 PT. Bank Sinar Mas Tbk
91.41
83.66
93.55
83.75
83.25 PT. Bank Mega Tbk
85.91
77.79
81.84
76.73
84.57
80.31
87.65
84.8
84.69 PT. Bank CIMB Niaga Tbk
82.98
76.80
76.10
71.70
73.79 PT. Bank Permata Tbk
89.2
85.42
88.56
83.13
84.99 PT. Bank Bukopin Tbk
86.93
84.98
82.05
81.42
82.73 PT. Bank Artha Graha Internasional Tbk
2.18
Perkembangan Loan to Deposit Ratio Tahun 2009 - 2013 Nama Perusahaan 2009 2010 2011 2012 2013
9.6 PT. Bank OCBC NISP Tbk
5.6
6.2 PT. Bank Danamon Tbk
11.2
11.3
9.9
10.1
5.35
5.3
5.04
4.80
4.17
4.11 PT. Bank Internasional Indonesia Tbk
6.10
5.86
5.7
6.4
5.73
6.0
8.55 PT. Bank Mandiri Tbk
5.19
5.39
5.29
5.58
5.68 PT. Bank Negara Indonesia Tbk
5.8
5.44 PT. Bank Central Asia Tbk
6.0
5.9
6.1 PT. Bank Tabungan Negara Tbk
4.60
5.99
5.76
5.83
5.22
5.20 PT. Bank CIMB Niaga Tbk
9.58
6.19
7.00
6.10
6.56
7.13
6.61 PT. Bank Sinar Mas Tbk
5.04
5.65
4.22
5.72
5.23 PT. Bank Mega Tbk
4.94
4.88
5.40
6.45
5.31 PT. Bank Bumi Artha Tbk
3.55
6.78
5.13
6.46
5.63
5.87
5.34 PT. Bank Permata Tbk
5.7
5.3
5.03
3.97
4.22 PT. Bank Bukopin Tbk
4.07
4.75
4.55
4.56
3.82 PT. Bank Artha Graha Internasional Tbk
3.81
8.42
10.77
PT. Bank Rakyat Indonesia Tbk
87.04
75.4 PT. Bank Danamon Tbk
88.8
93.8 98.3 100.7
95.1 PT. Bank OCBC NISP Tbk
73.26
80.00
86.79
61.7
92.49 PT. Bank Internasional Indonesia Tbk
82.93
89.03
95.07
92.97
93.24 PT. Bank CIMB Niaga Tbk
68.6
55.2
88.04
65.44
80.88
75.17
76.20
79.85
88.54 PT. Bank Mandiri Tbk
59.15
71.65
50.3
77.66
82.97 PT. Bank Negara Indonesia Tbk
64.1
70.2
70.4
77.5
85.3 PT. Bank Tabungan Negara Tbk 101.29 108.42 102.56 100.90 104.42 PT. Bank Central Asia Tbk
95.11
94.41
9.14
78.72 PT. Bank Mega Tbk
77.95
83.96 PT. Bank Sinar Mas Tbk
79.01
73.64
69.50
80.78
56.82
54.18
56.03
63.75
52.39
57.41 Perkembangan Net Interest Margin
Tahun 2009 - 2013 Nama Perusahaan 2009 2010 2011 2012 2013
PT. Bank Rakyat Indonesia Tbk
67.53
50.58
95.04
75.99
94.49 PT. Bank Permata Tbk
90.6
87.5
83.06
89.52
89.26 PT. Bank Bukopin Tbk
71.85
88.87 PT. Bank Bumi Artha Tbk
85.01
83.81
85.80 PT. Bank Artha Graha Internasional Tbk
84.04
76.13
82.21
87.42
5.38
Perkembangan Return on Asset Tahun 2009 - 2013 Nama Perusahaan 2009 2010 2011 2012 2013
1.66
1.83
1.87
1.87
1.46
1.55 PT. Bank Bukopin Tbk
1.70
1.66
0.44
1.4
2.76 PT. Bank Permata Tbk
3.18
2.85
2.85
2.10
1.71 PT. Bank CIMB Niaga Tbk
1.75 PT. Bank Artha Graha Internasional Tbk
0.72
1.13
1.07
2.74
2.29
2.29
1.77
1.71 PT. Bank Mega Tbk
1.74
1.07
0.93
0.72
2.05 PT. Bank Sinar Mas Tbk
2.47
2.11
2.11
2.05
1.39 PT. Bank Bumi Artha Tbk
0.66
1.62
1.13
PT. Bank Rakyat Indonesia Tbk
3.55
3.4 PT. Bank Tabungan Negara Tbk
2.9
2.9
2.9
1.7
3.66 PT. Bank Negara Indonesia Tbk
3.37
2.03
3.37
3.13
5.03 PT. Bank Mandiri Tbk
5.15
4.93
4.93
3.73
1.47
2.03
0.07
2.6
1.81 PT. Bank Internasional Indonesia Tbk
1.79
1.91
1.91
1.91
2.5 PT. Bank OCBC NISP Tbk
2.7
2.6
1.94
1.5
3.8 PT. Bank Danamon Tbk
3.6
3.8
3.8
3.4
1.79 PT. Bank Central Asia Tbk
1.14
LAMPIRAN 2 HASIL PENGOLAHAN SPSS
STATISTIK DESKRIPTIFDescriptive Statistics
N Minimum Maximum Mean Std. Deviation CAR
75 11.70 28.08 15.9677 3.00083 BOPO
75 50.58 100.77 78.0967 9.97477 NPL 75 .21
4.70 2.1980 1.03621 LDR
75 50.30 108.42 80.4497 13.96549 NIM
75
3.55 11.30 6.0032 1.73130 ROA 75 .07
5.15 2.2624 1.07412 Valid N
75 (listwise)
HASIL UJI NORMALITAS (KOLMOGOROV SMIRNOV)
One-Sample Kolmogorov-Smirnov Test
Unstandardized Residual N
75
a,,b
Normal Parameters Mean .0000000 Std. Deviation .49722740
Most Extreme Absolute .100
Differences Positive
.075 Negative
- .100 Kolmogorov-Smirnov Z
.868 Asymp. Sig. (2-tailed)
.438 a. Test distribution is Normal.
b. Calculated from data.
HASIL UJI NORMALITAS (GRAFIK HISTOGRAM) HASIL UJI NORMALITAS (NORMAL PLOT)
HASIL UJI MULTIKOLINEARITAS Coefficients a
Model Collinearity Statistics
Tolerance
VIF 1 (Constant) CAR .853 1.173 BOPO .693 1.442 NPL .822 1.217 LDR .791 1.263 NIM .848 1.179
a. Dependent Variable: ROA
a. Dependent Variable: PERINGKATOBLIGASI
HASIL UJI HETEROSKEDASTISITAS
HASIL UJI AUTOKORELASI Model Summary b
Residual 18.295 69 .265 Total 85.376
CAR -.128 .022 -.357 -5.912 .000 BOPO -.084 .007 -.782 -11.688 .000 NPL -3.952 .064 .000 .000 1.000 LDR .001 .005 .016 .251 .802 NIM .238 .038 .384 6.342 .000
Coefficients t Sig. B Std. Error Beta 1 (Constant) 9.353 .770 12.147 .000
Coefficients Standardized
Model Unstandardized
HASIL UJI HIPOTESIS SECARA PARSIAL (UJI t)
Coefficients
ab. Dependent Variable: ROA
a. Predictors: (Constant), NIM, LDR, CAR, NPL, BOPO
74
a
Model R R Square Adjusted R
1 Regression 67.081 5 13.416 50.598 .000
Model Sum of Squares df Mean Square F Sig.
HASIL UJI HIPOTESIS SECARA SEREMPAK (UJI F) ANOVA b
b. Dependent Variable: ROA
a. Predictors: (Constant), NIM, LDR, CAR, NPL, BOPO
.786 .770 .51493 1.580
a
Durbin- Watson 1 .886
Square Std. Error of the Estimate
a. Dependent Variable: ROA
HASIL UJI KOEFISIEN DETERMINASI b
Model Summary
Model R R Square Adjusted R Square Std. Error of the Estimate
a
1 .886 .786 .770 .51493
a. Predictors: (Constant), NIM, LDR, CAR, NPL, BOPO
b. Dependent Variable: ROA