Analisis Faktor yang Mempengaruhi Tingkat Kesehatan Bank dengan Rasio CAMEL pada Bank yang Terdaftar di BEI Periode 2009-2014
LAMPIRAN
Lampiran1 :NilaiRasio CAR Periode 2009-2014
Capital Adequacy Ratio/CAR (%)
No
Nama Perusahaan
2009
2010
2011
1
PT Bank HimpunanSaudara 1906 Tbk
13,04
18,58
4,99
2
PT Bank Pan Indonesia Tbk
23,94
18,40
3
PT Bank OCBC NISP Tbk
9,09
4
PT Bank MayapadaTbk
5
2012
9,61
2013
2014
8.85
28.16
19,24 16,67
17,02
18,03
5,75
13,74 14,4
18,13
19,35
19,36
22,61
16,13 12,07
11,36
9,03
PT Bank Mega Tbk
18, 01
15,03
11,85 15,6
76,05
17,93
6
PT Bank WinduKentjanaTbk
16,88
17,84
12,27 15,78
13,61
16,48
7
PT Bank ArthaGraha International Tbk
13,86
14,52
12,55 16,64
17,31
15,76
8
PT Bank Victoria International Tbk
16,88
17,84
12,27 17,96
17,95
18,35
9
PT BTPN Tbk
6,16
8,16
7,29
21,49
23,09
23,30
10
PT Bank Tabungan PermataTbk
12,16
14,99
14,94 16,67
14,51
13,79
11
PT Bank Internasional Indonesia Tbk
14,71
12,74
12,02 15,78
11,97
11,58
12
PT Bank CIMB NiagaTbk
13,61
13,27
13,08 15,20
15,51
15,49
13
PT Bank BumiArtaTbk
28,07
24,64
19,95 17,59
16,99
15,07
14
PT Bank MandiriTbk
15,42
13,36
15,12 13,60
13,40
15,35
15
PT Bank KesawanTbk
12,56
10,72
46,48 27,76
18,73
15,10
16
PT Bank Rakyat Indonesia Tbk
13,19
13,76
14,95 16,95
16,99
18,31
17
PT Bank Nusantara ParahyanganTbk
12,56
12,75
13,44 12,17
15,75
16,60
18
PT Bank BukopinTbk
14,36
11,81
12,70 13,27
11,43
10,05
Universitas Sumatera Utara
19
PT Bank Central Asia Tbk
15,32
13,50
12,74 18,90
17,86
17,86
20
PT Bank Capital Indonesia Tbk
44,62
29,29
21,57 10.09
14,03
13,58
21
PT Bank AgroniagaTbk
19,62
14,94
16,39 21,10
15,28
14,45
Lampiran2 :NilaiRasio NPL Periode 2009-2014
Non Perfoming Loan/NPL (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
1,29
1,76
1,65
1,99
2,64
2,51
2
PT Bank Pan Indonesia Tbk
3,16
4,37
3,56
1,69
2,13
2,05
3
PT Bank OCBC NISP Tbk
1,39
0,82
0,60
0,91
0,73
1,34
4
PT Bank MayapadaTbk
0,50
2,01
1,55
3,02
1,04
1,46
5
PT Bank Mega Tbk
1,02
0,74
0,71
2,09
2,17
2,09
6
PT Bank WinduKentjanaTbk
1,06
1,13
2,48
1,98
1,69
2,71
7
PT Bank ArthaGraha International Tbk
3,53
2,63
3,02
0,80
1,76
1,69
8
PT Bank Victoria International Tbk
3,16
5,59
2,37
2,30
0,70
3,52
9
PT BTPN Tbk
0,51
1,14
0,72
0,50
0,67
0,70
10
PT Bank Tabungan PermataTbk
3,99
2,65
2,04
1,37
1,04
1,70
11
PT Bank Internasional Indonesia Tbk
2,39
3,15
2,07
1,70
2,11
2,23
Universitas Sumatera Utara
12
PT Bank CIMB NiagaTbk
3,06
2,53
2,64
2,29
2,23
3,90
13
PT Bank BumiArtaTbk
2,15
2,25
1,07
0.63
0,21
0,25
14
PT Bank MandiriTbk
2,79
2,42
2,21
1,87
1,90
2,15
15
PT Bank KesawanTbk
5,70
2,08
1,56
0,73
0,23
0,31
16
PT Bank Rakyat Indonesia Tbk
3,52
2,78
2,31
1,78
1,55
1,69
17
PT Bank Nusantara ParahyanganTbk
1,83
0,67
0,88
0,97
0.92
1,86
18
PT Bank BukopinTbk
2,37
2,52
2,11
1,40
1,60
1,78
19
PT Bank Central Asia Tbk
0,73
0,64
0,49
2,62
2,03
2,47
20
PT Bank Capital Indonesia Tbk
0,58
1,03
0,81
3,90
12,28
12,24
21
PT Bank AgroniagaTbk
7,45
8,74
3,55
9,95
6,75
6,94
Lampiran3 :NilaiRasio ROA Periode 2009-2014
Return On Asset/ROA (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
1,48
1,84
1,77
2,11
2,04
1,15
2
PT Bank Pan Indonesia Tbk
1,17
1,15
1,64
2,04
1,98
2,02
3
PT Bank OCBC NISP Tbk
1,17
0,72
1,26
1,54
1,57
1,72
Universitas Sumatera Utara
4
PT Bank MayapadaTbk
0,54
0,76
1,32
2,04
2,12
1,60
5
PT Bank Mega Tbk
1,35
1,84
1,73
2,40
0,95
1,05
6
PT Bank WinduKentjanaTbk
0,57
0,65
0,56
1,98
1,50
0,73
7
PT Bank ArthaGraha International Tbk
0,27
0,49
0,56
0,64
1,05
0.47
8
PT Bank Victoria International Tbk
0,63
1,03
1,78
1,43
1,54
0,48
9
PT BTPN Tbk
1,88
2,42
3,001
3,35
3,05
2,50
10
PT Bank Tabungan PermataTbk
0,86
1,35
1,14
1,03
1,39
0,86
11
PT Bank Internasional Indonesia Tbk
-0,067
0,61
0,70
1,44
1,63
0,67
12
PT Bank CIMB NiagaTbk
1,46
1,77
1,90
2,90
2,68
1,26
13
PT Bank BumiArtaTbk
1,17
1,01
1,44
1,64
1,89
1,37
14
PT Bank MandiriTbk
1,81
2,05
2,30
4,67
4,83
2,51
15
PT Bank KesawanTbk
0,17
0,046
0,17
-0,63
0,03
0,58
16
PT Bank Rakyat Indonesia Tbk
2,30
2,84
3,25
3,39
3,41
3,02
17
PT Bank Nusantara ParahyanganTbk
0,75
0,89
1,03
1,38
1,36
1,38
18
PT Bank BukopinTbk
0,97
1,04
1,29
2,91
2,25
2,04
19
PT Bank Central Asia Tbk
2,41
2,61
2,82
2,64
2,26
1,37
20
PT Bank Capital Indonesia Tbk
0,65
0,52
0,59
0,95
-8,02
-3,94
21
PT Bank AgroniagaTbk
0,07
0,46
1,29
0,61
1,07
-1,32
Universitas Sumatera Utara
Lampiran4 :NilaiRasio NIM Periode 2009-2014
Net Interest Margin/NIM (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
7,35
9,60
7,68
7,80
7,84
1,80
2
PT Bank Pan Indonesia Tbk
4,53
4,50
4,24
5,75
5,48
0,54
3
PT Bank OCBC NISP Tbk
4,84
4,43
4,10
4,81
0,48
5,43
4
PT Bank MayapadaTbk
5,11
4,78
4,27
5,83
5,49
4,37
5
PT Bank Mega Tbk
3,92
4,77
4,76
11,18
8,05
7,56
6
PT Bank WinduKentjanaTbk
3,13
3,80
3,54
5,64
4,99
4,02
7
PT Bank ArthaGraha International Tbk
3,22
3,61
3,21
5,08
6,09
5,29
8
PT Bank Victoria International Tbk
1,86
1,34
1,55
4,33
3,59
2,64
9
PT BTPN Tbk
10,91
12,46
11,42
14,96
14,65
13,04
10
PT Bank Tabungan PermataTbk
4,59
4,80
4,27
4,77
7,01
3,39
11
PT Bank Internasional Indonesia Tbk
5,25
5,32
4,95
10,98
5,92
5,48
12
PT Bank CIMB NiagaTbk
5,84
5,84
5,10
6,43
6,17
5,62
13
PT Bank BumiArtaTbk
5,02
5,04
5,17
7,79
7,05
6,09
14
PT Bank MandiriTbk
4,45
4,62
4,34
6,94
7,02
7,23
15
PT Bank KesawanTbk
3,61
4,49
5,28
5,18
2,76
2,66
16
PT Bank Rakyat Indonesia Tbk
7,27
9,12
7,87
9,92
9,64
9,82
Universitas Sumatera Utara
17
PT Bank Nusantara ParahyanganTbk
3,55
5,05
4,96
6,48
5,96
6,41
18
PT Bank BukopinTbk
3,96
4,24
4,015
10,96
10,64
13,87
19
PT Bank Central Asia Tbk
5,27
4,26
4,76
10,96
9,95
9,88
20
PT Bank Capital Indonesia Tbk
2,49
2,68
2,42
3,90
2,77
0,85
21
PT Bank AgroniagaTbk
7,54
6,44
4,78
17,28
14,36
12,21
Lampiran5 :NilaiRasio LDR Periode 2009-2014
Loan to Deposit Ratio/LDR (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
99,25
107,2
81,75 94,74
101,7
98,63
2
PT Bank Pan Indonesia Tbk
69,39
70,93
78,21 83,34
81,61
84,95
3
PT Bank OCBC NISP Tbk
72,40
77,90
86,83 98,17
89,88
88,82
4
PT Bank MayapadaTbk
85,68
79,92
81,83 92,98
89,50
83,01
5
PT Bank Mega Tbk
57,24
57,34
65,60 48,34
56,58
65,63
6
PT Bank WinduKentjanaTbk
65,88
81,65
89,75 121,5
41,55
85,6
7
PT Bank ArthaGraha International Tbk
85,24
78,43
82,64
91,22
95,52
92,12
8
PT Bank Victoria International Tbk
49,86
39,54
62,61
65,99
74,73
72,59
Universitas Sumatera Utara
9
PT BTPN Tbk
83,35
90,03
84,20
87,94
91,20
102,1
10
PT Bank Tabungan PermataTbk
100,2
97,02
89,32
124,2
114,8
109,2
11
PT Bank Internasional Indonesia Tbk
78,86
83,70
89,31
86,02
85,51
82,08
12
PT Bank CIMB NiagaTbk
96,24
88,13
93,42
93,49
91,50
97,10
13
PT Bank BumiArtaTbk
82,94
87,50
109,3
80,07
86,17
83,67
14
PT Bank MandiriTbk
65,04
72,47
84,08
90,76
96,83
94,72
15
PT Bank KesawanTbk
63,88
70,27
75,15
89,93
113,4
94,89
16
PT Bank Rakyat Indonesia Tbk
80,76
75,15
71,87
79,87
88,54
81,75
17
PT Bank Nusantara ParahyanganTbk
80,59
85,71
90,89
91,05
88,87
91,78
18
PT Bank BukopinTbk
55,30
58,58
85,01
98,12
95,96
88,01
19
PT Bank Central Asia Tbk
50,27
55,12
62,45
97,98
92,83
88,62
20
PT Bank Capital Indonesia Tbk
49,20
50,26
43,84
81,61
87,95
65,61
21
PT Bank AgroniagaTbk
85,84
84,74
65,90
79,27
83,51
79,89
Universitas Sumatera Utara
Lampiran6 :PerhitunganStatistikDeskriptifdenganmenggunakan SPSS 21.0
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
Statistic
Statistic
Statistic
Statistic
Statistic
Skewness
Statistic
Std. Error
CAR
126
4.99
46.48
15.8845
5.74374
2.371
.216
NPL
126
.21
12.28
2.2918
2.03789
2.859
.216
ROA
126
-.07
17.28
3.6024
3.83927
1.605
.216
NIM
126
-8.02
12.46
3.7834
2.83395
-.045
.216
LDR
126
39.54
162.12
82.8425
17.40422
.357
.216
Valid N (listwise)
126
Lampiran7 : Proses seleksi bank Sehatdan bank tidaksehatdenganmenggunakan
SPSS 21.0
Case Processing Summary
UnweightedCases
a
N
Included in Analysis
Selected Cases
Missing Cases
Total
Unselected Cases
Total
Percent
126
100.0
0
.0
126
100.0
0
.0
126
100.0
Universitas Sumatera Utara
a. If weight is in effect, see classification table for the total number
of cases.
Dependent Variable Encoding
Original Value
Internal Value
TidakBaik
0
Baik
1
Classification Table
a,b
Observed
Predicted
Kesehatan Bank
Percentage
Correct
TidakBaik
Baik
TidakBaik
0
32
.0
Baik
0
94
100.0
Kesehatan Bank
Step 0
Overall Percentage
74.6
a. Constant is included in the model.
b. The cut value is .500
Universitas Sumatera Utara
Variables in the Equation
B
Step 0
Constant
S.E.
1.078
Wald
.205
df
Sig.
27.720
1
.000
Exp(B)
2.937
Variables not in the Equation
Score
Variables
df
Sig.
CARKAT
8.193
1
.004
NPLKAT
.000
1
.995
ROAKAT
3.033
1
.082
NIMKAT
3.846
1
.050
LDRKAT
1.340
1
.247
17.283
5
.004
Step 0
Overall Statistics
a,b,c
Iteration History
Iteration
-2 Log likelihood
Coefficients
Constant
1
143.008
.984
2
142.797
1.076
3
142.797
1.078
4
142.797
1.078
Step 0
a. Constant is included in the model.
Universitas Sumatera Utara
b. Initial -2 Log Likelihood: 142.797
c. Estimation terminated at iteration number 4
because parameter estimates changed by less than
.001.
Model Summary
Step
1
-2 Log likelihood
126.237
Cox & Snell R
Nagelkerke R
Square
Square
a
.123
.182
a. Estimation terminated at iteration number 5 because
parameter estimates changed by less than .001.
Correlation Matrix
Constant
CARKAT
NPLKAT
ROAKAT
NIMKAT
LDRKAT
Constant
1.000
-.882
-.219
.024
-.416
-.208
CARKAT
-.882
1.000
.105
-.182
.140
-.033
NPLKAT
-.219
.105
1.000
-.065
.126
-.163
ROAKAT
.024
-.182
-.065
1.000
.008
-.276
NIMKAT
-.416
.140
.126
.008
1.000
.097
LDRKAT
-.208
-.033
-.163
-.276
.097
1.000
Step 1
Universitas Sumatera Utara
Lampiran1 :NilaiRasio CAR Periode 2009-2014
Capital Adequacy Ratio/CAR (%)
No
Nama Perusahaan
2009
2010
2011
1
PT Bank HimpunanSaudara 1906 Tbk
13,04
18,58
4,99
2
PT Bank Pan Indonesia Tbk
23,94
18,40
3
PT Bank OCBC NISP Tbk
9,09
4
PT Bank MayapadaTbk
5
2012
9,61
2013
2014
8.85
28.16
19,24 16,67
17,02
18,03
5,75
13,74 14,4
18,13
19,35
19,36
22,61
16,13 12,07
11,36
9,03
PT Bank Mega Tbk
18, 01
15,03
11,85 15,6
76,05
17,93
6
PT Bank WinduKentjanaTbk
16,88
17,84
12,27 15,78
13,61
16,48
7
PT Bank ArthaGraha International Tbk
13,86
14,52
12,55 16,64
17,31
15,76
8
PT Bank Victoria International Tbk
16,88
17,84
12,27 17,96
17,95
18,35
9
PT BTPN Tbk
6,16
8,16
7,29
21,49
23,09
23,30
10
PT Bank Tabungan PermataTbk
12,16
14,99
14,94 16,67
14,51
13,79
11
PT Bank Internasional Indonesia Tbk
14,71
12,74
12,02 15,78
11,97
11,58
12
PT Bank CIMB NiagaTbk
13,61
13,27
13,08 15,20
15,51
15,49
13
PT Bank BumiArtaTbk
28,07
24,64
19,95 17,59
16,99
15,07
14
PT Bank MandiriTbk
15,42
13,36
15,12 13,60
13,40
15,35
15
PT Bank KesawanTbk
12,56
10,72
46,48 27,76
18,73
15,10
16
PT Bank Rakyat Indonesia Tbk
13,19
13,76
14,95 16,95
16,99
18,31
17
PT Bank Nusantara ParahyanganTbk
12,56
12,75
13,44 12,17
15,75
16,60
18
PT Bank BukopinTbk
14,36
11,81
12,70 13,27
11,43
10,05
Universitas Sumatera Utara
19
PT Bank Central Asia Tbk
15,32
13,50
12,74 18,90
17,86
17,86
20
PT Bank Capital Indonesia Tbk
44,62
29,29
21,57 10.09
14,03
13,58
21
PT Bank AgroniagaTbk
19,62
14,94
16,39 21,10
15,28
14,45
Lampiran2 :NilaiRasio NPL Periode 2009-2014
Non Perfoming Loan/NPL (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
1,29
1,76
1,65
1,99
2,64
2,51
2
PT Bank Pan Indonesia Tbk
3,16
4,37
3,56
1,69
2,13
2,05
3
PT Bank OCBC NISP Tbk
1,39
0,82
0,60
0,91
0,73
1,34
4
PT Bank MayapadaTbk
0,50
2,01
1,55
3,02
1,04
1,46
5
PT Bank Mega Tbk
1,02
0,74
0,71
2,09
2,17
2,09
6
PT Bank WinduKentjanaTbk
1,06
1,13
2,48
1,98
1,69
2,71
7
PT Bank ArthaGraha International Tbk
3,53
2,63
3,02
0,80
1,76
1,69
8
PT Bank Victoria International Tbk
3,16
5,59
2,37
2,30
0,70
3,52
9
PT BTPN Tbk
0,51
1,14
0,72
0,50
0,67
0,70
10
PT Bank Tabungan PermataTbk
3,99
2,65
2,04
1,37
1,04
1,70
11
PT Bank Internasional Indonesia Tbk
2,39
3,15
2,07
1,70
2,11
2,23
Universitas Sumatera Utara
12
PT Bank CIMB NiagaTbk
3,06
2,53
2,64
2,29
2,23
3,90
13
PT Bank BumiArtaTbk
2,15
2,25
1,07
0.63
0,21
0,25
14
PT Bank MandiriTbk
2,79
2,42
2,21
1,87
1,90
2,15
15
PT Bank KesawanTbk
5,70
2,08
1,56
0,73
0,23
0,31
16
PT Bank Rakyat Indonesia Tbk
3,52
2,78
2,31
1,78
1,55
1,69
17
PT Bank Nusantara ParahyanganTbk
1,83
0,67
0,88
0,97
0.92
1,86
18
PT Bank BukopinTbk
2,37
2,52
2,11
1,40
1,60
1,78
19
PT Bank Central Asia Tbk
0,73
0,64
0,49
2,62
2,03
2,47
20
PT Bank Capital Indonesia Tbk
0,58
1,03
0,81
3,90
12,28
12,24
21
PT Bank AgroniagaTbk
7,45
8,74
3,55
9,95
6,75
6,94
Lampiran3 :NilaiRasio ROA Periode 2009-2014
Return On Asset/ROA (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
1,48
1,84
1,77
2,11
2,04
1,15
2
PT Bank Pan Indonesia Tbk
1,17
1,15
1,64
2,04
1,98
2,02
3
PT Bank OCBC NISP Tbk
1,17
0,72
1,26
1,54
1,57
1,72
Universitas Sumatera Utara
4
PT Bank MayapadaTbk
0,54
0,76
1,32
2,04
2,12
1,60
5
PT Bank Mega Tbk
1,35
1,84
1,73
2,40
0,95
1,05
6
PT Bank WinduKentjanaTbk
0,57
0,65
0,56
1,98
1,50
0,73
7
PT Bank ArthaGraha International Tbk
0,27
0,49
0,56
0,64
1,05
0.47
8
PT Bank Victoria International Tbk
0,63
1,03
1,78
1,43
1,54
0,48
9
PT BTPN Tbk
1,88
2,42
3,001
3,35
3,05
2,50
10
PT Bank Tabungan PermataTbk
0,86
1,35
1,14
1,03
1,39
0,86
11
PT Bank Internasional Indonesia Tbk
-0,067
0,61
0,70
1,44
1,63
0,67
12
PT Bank CIMB NiagaTbk
1,46
1,77
1,90
2,90
2,68
1,26
13
PT Bank BumiArtaTbk
1,17
1,01
1,44
1,64
1,89
1,37
14
PT Bank MandiriTbk
1,81
2,05
2,30
4,67
4,83
2,51
15
PT Bank KesawanTbk
0,17
0,046
0,17
-0,63
0,03
0,58
16
PT Bank Rakyat Indonesia Tbk
2,30
2,84
3,25
3,39
3,41
3,02
17
PT Bank Nusantara ParahyanganTbk
0,75
0,89
1,03
1,38
1,36
1,38
18
PT Bank BukopinTbk
0,97
1,04
1,29
2,91
2,25
2,04
19
PT Bank Central Asia Tbk
2,41
2,61
2,82
2,64
2,26
1,37
20
PT Bank Capital Indonesia Tbk
0,65
0,52
0,59
0,95
-8,02
-3,94
21
PT Bank AgroniagaTbk
0,07
0,46
1,29
0,61
1,07
-1,32
Universitas Sumatera Utara
Lampiran4 :NilaiRasio NIM Periode 2009-2014
Net Interest Margin/NIM (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
7,35
9,60
7,68
7,80
7,84
1,80
2
PT Bank Pan Indonesia Tbk
4,53
4,50
4,24
5,75
5,48
0,54
3
PT Bank OCBC NISP Tbk
4,84
4,43
4,10
4,81
0,48
5,43
4
PT Bank MayapadaTbk
5,11
4,78
4,27
5,83
5,49
4,37
5
PT Bank Mega Tbk
3,92
4,77
4,76
11,18
8,05
7,56
6
PT Bank WinduKentjanaTbk
3,13
3,80
3,54
5,64
4,99
4,02
7
PT Bank ArthaGraha International Tbk
3,22
3,61
3,21
5,08
6,09
5,29
8
PT Bank Victoria International Tbk
1,86
1,34
1,55
4,33
3,59
2,64
9
PT BTPN Tbk
10,91
12,46
11,42
14,96
14,65
13,04
10
PT Bank Tabungan PermataTbk
4,59
4,80
4,27
4,77
7,01
3,39
11
PT Bank Internasional Indonesia Tbk
5,25
5,32
4,95
10,98
5,92
5,48
12
PT Bank CIMB NiagaTbk
5,84
5,84
5,10
6,43
6,17
5,62
13
PT Bank BumiArtaTbk
5,02
5,04
5,17
7,79
7,05
6,09
14
PT Bank MandiriTbk
4,45
4,62
4,34
6,94
7,02
7,23
15
PT Bank KesawanTbk
3,61
4,49
5,28
5,18
2,76
2,66
16
PT Bank Rakyat Indonesia Tbk
7,27
9,12
7,87
9,92
9,64
9,82
Universitas Sumatera Utara
17
PT Bank Nusantara ParahyanganTbk
3,55
5,05
4,96
6,48
5,96
6,41
18
PT Bank BukopinTbk
3,96
4,24
4,015
10,96
10,64
13,87
19
PT Bank Central Asia Tbk
5,27
4,26
4,76
10,96
9,95
9,88
20
PT Bank Capital Indonesia Tbk
2,49
2,68
2,42
3,90
2,77
0,85
21
PT Bank AgroniagaTbk
7,54
6,44
4,78
17,28
14,36
12,21
Lampiran5 :NilaiRasio LDR Periode 2009-2014
Loan to Deposit Ratio/LDR (%)
No
Nama Perusahaan
2009
2010
2011
2012
2013
2014
1
PT Bank HimpunanSaudara 1906 Tbk
99,25
107,2
81,75 94,74
101,7
98,63
2
PT Bank Pan Indonesia Tbk
69,39
70,93
78,21 83,34
81,61
84,95
3
PT Bank OCBC NISP Tbk
72,40
77,90
86,83 98,17
89,88
88,82
4
PT Bank MayapadaTbk
85,68
79,92
81,83 92,98
89,50
83,01
5
PT Bank Mega Tbk
57,24
57,34
65,60 48,34
56,58
65,63
6
PT Bank WinduKentjanaTbk
65,88
81,65
89,75 121,5
41,55
85,6
7
PT Bank ArthaGraha International Tbk
85,24
78,43
82,64
91,22
95,52
92,12
8
PT Bank Victoria International Tbk
49,86
39,54
62,61
65,99
74,73
72,59
Universitas Sumatera Utara
9
PT BTPN Tbk
83,35
90,03
84,20
87,94
91,20
102,1
10
PT Bank Tabungan PermataTbk
100,2
97,02
89,32
124,2
114,8
109,2
11
PT Bank Internasional Indonesia Tbk
78,86
83,70
89,31
86,02
85,51
82,08
12
PT Bank CIMB NiagaTbk
96,24
88,13
93,42
93,49
91,50
97,10
13
PT Bank BumiArtaTbk
82,94
87,50
109,3
80,07
86,17
83,67
14
PT Bank MandiriTbk
65,04
72,47
84,08
90,76
96,83
94,72
15
PT Bank KesawanTbk
63,88
70,27
75,15
89,93
113,4
94,89
16
PT Bank Rakyat Indonesia Tbk
80,76
75,15
71,87
79,87
88,54
81,75
17
PT Bank Nusantara ParahyanganTbk
80,59
85,71
90,89
91,05
88,87
91,78
18
PT Bank BukopinTbk
55,30
58,58
85,01
98,12
95,96
88,01
19
PT Bank Central Asia Tbk
50,27
55,12
62,45
97,98
92,83
88,62
20
PT Bank Capital Indonesia Tbk
49,20
50,26
43,84
81,61
87,95
65,61
21
PT Bank AgroniagaTbk
85,84
84,74
65,90
79,27
83,51
79,89
Universitas Sumatera Utara
Lampiran6 :PerhitunganStatistikDeskriptifdenganmenggunakan SPSS 21.0
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
Statistic
Statistic
Statistic
Statistic
Statistic
Skewness
Statistic
Std. Error
CAR
126
4.99
46.48
15.8845
5.74374
2.371
.216
NPL
126
.21
12.28
2.2918
2.03789
2.859
.216
ROA
126
-.07
17.28
3.6024
3.83927
1.605
.216
NIM
126
-8.02
12.46
3.7834
2.83395
-.045
.216
LDR
126
39.54
162.12
82.8425
17.40422
.357
.216
Valid N (listwise)
126
Lampiran7 : Proses seleksi bank Sehatdan bank tidaksehatdenganmenggunakan
SPSS 21.0
Case Processing Summary
UnweightedCases
a
N
Included in Analysis
Selected Cases
Missing Cases
Total
Unselected Cases
Total
Percent
126
100.0
0
.0
126
100.0
0
.0
126
100.0
Universitas Sumatera Utara
a. If weight is in effect, see classification table for the total number
of cases.
Dependent Variable Encoding
Original Value
Internal Value
TidakBaik
0
Baik
1
Classification Table
a,b
Observed
Predicted
Kesehatan Bank
Percentage
Correct
TidakBaik
Baik
TidakBaik
0
32
.0
Baik
0
94
100.0
Kesehatan Bank
Step 0
Overall Percentage
74.6
a. Constant is included in the model.
b. The cut value is .500
Universitas Sumatera Utara
Variables in the Equation
B
Step 0
Constant
S.E.
1.078
Wald
.205
df
Sig.
27.720
1
.000
Exp(B)
2.937
Variables not in the Equation
Score
Variables
df
Sig.
CARKAT
8.193
1
.004
NPLKAT
.000
1
.995
ROAKAT
3.033
1
.082
NIMKAT
3.846
1
.050
LDRKAT
1.340
1
.247
17.283
5
.004
Step 0
Overall Statistics
a,b,c
Iteration History
Iteration
-2 Log likelihood
Coefficients
Constant
1
143.008
.984
2
142.797
1.076
3
142.797
1.078
4
142.797
1.078
Step 0
a. Constant is included in the model.
Universitas Sumatera Utara
b. Initial -2 Log Likelihood: 142.797
c. Estimation terminated at iteration number 4
because parameter estimates changed by less than
.001.
Model Summary
Step
1
-2 Log likelihood
126.237
Cox & Snell R
Nagelkerke R
Square
Square
a
.123
.182
a. Estimation terminated at iteration number 5 because
parameter estimates changed by less than .001.
Correlation Matrix
Constant
CARKAT
NPLKAT
ROAKAT
NIMKAT
LDRKAT
Constant
1.000
-.882
-.219
.024
-.416
-.208
CARKAT
-.882
1.000
.105
-.182
.140
-.033
NPLKAT
-.219
.105
1.000
-.065
.126
-.163
ROAKAT
.024
-.182
-.065
1.000
.008
-.276
NIMKAT
-.416
.140
.126
.008
1.000
.097
LDRKAT
-.208
-.033
-.163
-.276
.097
1.000
Step 1
Universitas Sumatera Utara