Pengaruh Capital Adequacy Ratio, Non Performing Loan, dan Loan to Deposit Ratio Terhadap Profitabilitas pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

Lampiran 1
Hasil Perhitungan CAR, NPL, LDR dan ROA
Bank Umum Tahun 2010
Bank

2
0
1
0

PT. Bank Mandiri Tbk.
PT Bank Rakyat Indonesia Tbk (BRI)
PT Bank Central Asia Tbk (BCA)
PT Bank Negara Indonesia Tbk (BNI)
PT Bank CIMB Niaga Tbk.
PT Bank Danamon Indonesia Tbk
PT Pan Indonesia Bank Tbk (Panin)
PT Bank Permata Tbk
PT Bank Internasional Indonesia Tbk (BII)
PT Bank Tabungan Negara Tbk (BTN)
PT. Bank OCBC NISP Tbk.

PT. Bank Bukopin Tbk.
PT. Bank Mega Tbk.
BPD Jawa Barat dan Banten Tbk.
PT. Bank Tabungan Pensiunan
NasionalTbk.
PT.Ekonomi Raharja Tbk.
PT. Bank Artha Graha Internasional Tbk.
PT. Sinarmas Tbk.
PT. Bank MutiaraTbk.
PT. Bank Mayapada Tbk.

INDIKATOR ( dalam persen)
CAR
NPL
LDR
ROA
21.1
1.5
54.3
2.30

15.84
3.46
68.8
4.61
19.2
0.8
43.6
3.34
15.74
4.01
60.64
0.85
17.06
1.94
79.3
2.49
21.62
1.04
88.05
2.43

21.58
1.76
92.36
3.14
14
1.5
88
1.90
20.21
2.37
76.17
1.23
21.86
2.81
92.38
1.89
16.15
2.12
89.14
1.31

12.84
3.57
65.26
1.00
11.84
1.05
46.74
2.33
16.81
0.16
79.02
2.4
24
13.13
12.24
12.42
15.91
28.7

0.16

2.45
2.55
0.41
3.33
0.14

89.18
52.05
82.22
62.18
38.49
103.88

6.14
1.87
0.29
0.33
0.37
1.46

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Lampiran 2
Hasil Perhitungan CAR, NPL, LDR dan ROA
Bank Umum Tahun 2011
Bank

2
0
1
1

PT. Bank Mandiri Tbk.
PT Bank Rakyat Indonesia Tbk (BRI)
PT Bank Central Asia Tbk (BCA)
PT Bank Negara Indonesia Tbk (BNI)
PT Bank CIMB Niaga Tbk.
PT Bank Danamon Indonesia Tbk
PT Pan Indonesia Bank Tbk (Panin)

PT Bank Permata Tbk
PT Bank Internasional Indonesia Tbk (BII)
PT Bank Tabungan Negara Tbk (BTN)
PT. Bank OCBC NISP Tbk.
PT. Bank Bukopin Tbk.
PT. Bank Mega Tbk.
BPD Jawa Barat dan Banten Tbk.
PT.Bank Tabungan Pensiunan
NasionalTbk.
PT.Ekonomi Raharja Tbk.
PT. Bank Artha Graha Internasional Tbk.
PT. Sinarmas Tbk.
PT. Bank MutiaraTbk.
PT. Bank Mayapada Tbk.

CAR
15.7
13.18
15.8
13.5

15.6
16.11
20.31
11.1
19.44
16.14
17.01
11.2
16.09
15.06

INDIKATOR
NPL
LDR
1.1
59.2
2.8
79.93
0.6
53.8

1.7
68.6
1.42
87.84
1.21
86.42
2.15
78.93
1.1
81.8
1.64
79.45
2.66 101.83
1.75
74.6
4.87
83.6
0.79
64.67
0.11

89.44

ROA
5.32
4.18
3.42
1.12
1.1
1.52
1.75
1.70
1.23
1.80
1.54
1.66
1.98
3.31

23.67

0.09

91.61

4.48

14.03
14.93
12.7
-22.29
22.81

1.07
2.7
1.72
10.42
2.07

61.42
93.47
83.31
93.16
100.22

2.26
0.34
0.34
-52.09
1.27

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Lampiran 3
Hasil Perhitungan CAR, NPL, LDR dan ROA
Bank Umum Tahun 2012
Bank

2
0
1
2

PT. Bank Mandiri Tbk.
PT Bank Rakyat Indonesia Tbk (BRI)
PT Bank Central Asia Tbk (BCA)
PT Bank Negara Indonesia Tbk (BNI)
PT Bank CIMB Niaga Tbk.
PT Bank Danamon Indonesia Tbk
PT Pan Indonesia Bank Tbk (Panin)
PT Bank Permata Tbk
PT Bank Internasional Indonesia Tbk (BII)
PT Bank Tabungan Negara Tbk (BTN)
PT. Bank OCBC NISP Tbk.
PT. Bank Bukopin Tbk.
PT. Bank Mega Tbk.
BPD Jawa Barat dan Banten Tbk.
PT. Bank Tabungan Pensiunan Nasional
Tbk.
PT.Ekonomi Raharja Tbk.
PT. Bank Artha Graha Internasional Tbk.
PT. Sinarmas Tbk.
PT. Bank MutiaraTbk.
PT. Bank Mayapada Tbk.

CAR
15.6
13.2
15.3
13.91
13.88
20.84
21.79
12.2
14.71
21.54
18
14.36
18.01
21.2

INDIKATOR
NPL
LDR
0.4
61.4
3.52
80.88
0.7
50.3
0.84
64.06
1.05
95.11
2.38
88.76
1.6
73.28
1.5
90.6
1.57
78.11
2.75 101.29
1.39
72.9
2.81
75.99
1.02
56.82
0.76
82.47

ROA
4.61
3.73
3.40
1.72
2.1
1.50
1.75
1.40
0.09
1.47
1.79
1.46
1.77
3.24

18.5

0.07

84.92

3.42

21.75
13.87
13.95
10.02
17.05

1.11
2.83
1.65
9.53
0.49

45.54
84.04
79.01
81.66
83.77

2.21
0.44
0.93
3.84
0.9

73
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Lampiran 4
Hasil Perhitungan CAR, NPL, LDR dan ROA
Bank Umum Tahun 2013

Bank

2
0
1
3

PT. Bank Mandiri Tbk.
PT Bank Rakyat Indonesia Tbk (BRI)
PT Bank Central Asia Tbk (BCA)
PT Bank Negara Indonesia Tbk (BNI)
PT Bank CIMB Niaga Tbk.
PT Bank Danamon Indonesia Tbk
PT Pan Indonesia Bank Tbk (Panin)
PT Bank Permata Tbk
PT Bank Internasional Indonesia Tbk (BII)
PT Bank Tabungan Negara Tbk (BTN)
PT. Bank OCBC NISP Tbk.
PT. Bank Bukopin Tbk.
PT. Bank Mega Tbk.
BPD Jawa Barat dan Banten Tbk.
PT. Bank Tabungan Pensiunan Nasional
Tbk.
PT.Ekonomi Raharja Tbk.
PT. Bank Artha Graha Internasional Tbk.
PT. Sinarmas Tbk.
PT. Bank MutiaraTbk.
PT. Bank Mayapada Tbk.

14.7
19.76
13.5
18.6
13.47
16.04
16.58
14.13
12.65
16.74
16.04
13.02
15.03
22.85

INDIKATOR
NP
LDR
L
0.6
67.6
2.24 76.17
0.6
55.2
1.1
70.2
1.92 88.04
3.24 93.82
2.68 74.22
0.74 87.46
1.78 83.18
2.66 108.42
0.82
75.2
3.22 71.85
0.74 56.03
0.29 71.14

23.4

0.48

91.39

3.99

19.05 0.35
14.52
2
14.1 1.11
11.16 4.84
20.4 2.01

62.44
76.13
73.64
70.86
78.38

1.78
0.76
1.44
2.39
1.22

CAR

ROA
3.40
2.44
3.50
2.50
2.75
3.87
1.87
1.89
1.01
2.05
1.09
1.62
2.45
3.15

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Lampiran 5
Hasil Perhitungan CAR, NPL, LDR dan ROA
Bank Umum Tahun 2014
INDIKATOR
CAR NPL LDR ROA
17.2
0.5
74.1
3.40
PT. Bank Mandiri Tbk.
14.96 2.3
76.2
3.50
PT Bank Rakyat Indonesia Tbk (BRI)
12.7
0.5
61.7
3.80
PT Bank Central Asia Tbk (BCA)
17.6
0.5
70.4
2.90
PT Bank Negara Indonesia Tbk (BNI)
13.16 1.46 94.41 2.85
PT Bank CIMB Niaga Tbk.
16.62 0.15 98.33 3.59
PT Bank Danamon Indonesia Tbk
17.45 0.92 80.36 2.02
PT Pan Indonesia Bank Tbk (Panin)
14.07 0.55 83.06 1.66
PT Bank Permata Tbk
12.03 1.02 88.86 1.11
PT Bank Internasional Indonesia Tbk (BII)
15.03 2.23 102.57 2.03
PT Bank Tabungan Negara Tbk (BTN)
16.1
2.2
78.8
3
PT. Bank OCBC NISP Tbk.
14.33 2.88 85.01 1.87
PT. Bank Bukopin Tbk.
11.86 0.71 63.75 2.29
PT. Bank Mega Tbk.
18.36 0.41 72.95 2.65
BPD Jawa Barat dan Banten Tbk.
85.1
4.38
PT. BankTabungan Pensiunan Nasional Tbk. 20.47 0.35
16.37
0.74
70.06
1.49
PT.Ekonomi Raharja Tbk.
12.65 1.85 82.21 0.72
PT. Bank Artha Graha Internasional Tbk.
13.98 0.79
69.5
1.07
PT. Sinarmas Tbk.
9.41 4.46
83.9
2.17
PT. Bank MutiaraTbk.
14.68 1.51
82.1
2.07
PT. Bank Mayapada Tbk.
Bank

2
0
1
4

75
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Lampiran 6
Hasil Output SPSS
Descriptive Statistics
N

Minimum

Maximum

Mean

Std. Deviation

CAR

100

-22.29

28.70

15.8879

5.26247

NPL

100

.07

10.42

1.7652

1.61430

LDR

100

38.49

108.42

77.3071

14.35237

ROA

100

-52.09

6.14

2.1797

1.20447

Valid N (listwise)

100

76
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Model Summaryb

Model

Durbin-Watson

1

1.912

a. Predictors: (Constant), LDR, CAR, NPL
b. Dependent Variable: ROA

Coefficientsa
Collinearity Statistics
Model
1

Tolerance

VIF

(Constant)
CAR

.628

1.592

NPL

.614

1.628

LDR

.952

1.051

a. Dependent Variable: ROA

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Coefficientsa
Standardized
Unstandardized Coefficients
Model
1

B
(Constant)

Coefficients

Std. Error

Beta

-5.058

2.423

CAR

.710

.087

NPL

-.474

LDR

-.048

t

Sig.

-2.087

.040

.670

8.134

.000

.288

-.137

-1.648

.103

.026

-.124

-1.855

.067

a. Dependent Variable: ROA

ANOVAb
Model
1

Sum of Squares

df

Mean Square

Regression

1821.456

3

607.152

Residual

1258.334

96

13.108

Total

3079.790

99

F
46.320

Sig.
.000a

a. Predictors: (Constant), LDR, CAR, NPL
b. Dependent Variable : ROA

Model Summaryb
Std. Error of the
Model

R

1

.769a

R Square Adjusted R Square
.591

.579

Estimate
3.62045

a. Predictors: (Constant), LDR, CAR, NPL
b. Dependent Variable: ROA

78
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