Tabel 5.4. Rasio Return On Asset ROA Industri Perbankan Periode 2004 – 2009
No Nama Bank
2004 2005
2006 2007
2008 2009
Rata- rata
1 PT Bank Arta Niaga Kencana tbk
1,390 1,430
1,310 1,270
0,836 0,857
1,182 2
PT Bank Bumiputera Indonesia tbk 0,184
1,240 0,260
0,570 0,090
0,180 0,421
3 PT Bank Central Asia tbk
0,000 3,400
3,800 3,300
3,400 3,400
2,883 4
PT Bank Danamon tbk 0,000
0,030 0,148
2,400 1,500
1,500 0,930
5 PT Bank Internasional Indonesia
0,015 1,680
1,170 0,651
0,841 0,070
0,738 6
PT Bank Lippo tbk 3,250
1,790 1,740
2,368 1,426
1,555 2,022
7 PT Bank Mega tbk
0,007 1,250
0,880 2,330
1,980 1,770
1,370 8
PT Bank Negara Indonesia tbk 0,023
1,600 1,700
0,900 1,100
1,700 1,170
9 PT Bank Niaga tbk
0,647 0,703
1,257 2,160
1,905 1,129
1,300 10
PT Bank NISP 0,000
1,520 1,550
1,310 1,540
1,790 1,285
11 PT Bank Permata tbk
0,008 1,200
1,200 1,900
1,700 1,400
1,235 12
PT Bank Rakyat Indonesia 0,031
0,016 0,914
0,106 4,180
3,730 1,496
13 PT Bank Swadesi tbk
0,000 2,160
1,280 1,200
2,530 3,500
1,778 14
PT Bank Mayapada tbk 0,000
0,054 0,979
0,863 0,926
1,177 0,666
15 PT Bank Pan Indonesia tbk
0,000 2,270
2,780 3,140
1,750 1,780
1,953 16
PT Bank Nusantara Parahyangan tbk 0,000
1,590 1,440
1,290 1,170
1,020 1,085
17 PT Bank Eksekutif Internasional tbk
0,000 -2,990
-0,560 0,130
-2,000 -7,880
-2,217 18
PT Bank Victoria Internasional tbk 1,540
1,460 1,760
0,490 0,606
1,092 1,158
19 PT Bank Kesawan tbk
0,002 0,300
0,360 0,350
0,230 0,300
0,257 20
PT Bank Artha Graha Internasional tbk 0,000
0,340 0,400
0,290 0,340
0,440 0,302
21 PT Bank Mandiri
0,038 0,500
1,100 2,300
2,500 3,000
1,573 22
PT Bank Bumi Arta 0,000
2,530 2,610
1,680 2,070
2,000 1,815
23 PT Bank Tabungan Negara
0,015 1,660
1,780 1,870
1,800 1,470
1,433 24
PT Bank Tabungan Pensiunan Nasional 4,250
4,570 6,140
4,480 3,420
0,272 3,855
25 PT Bank bukopin
0,000 2,090
1,850 1,630
1,660 1,460
1,448 26
PT Bank Himpunan Saudara -0,008
1,850 2,200
3,730 3,000
2,410 2,197
27 PT Bank Agroniaga
2,720 1,640
-0,490 -0,150
-0,110 -0,180
0,572 28
PT Bank Windu Kentjana 0,002
2,100 0,430
0,020 0,250
1,000 0,634
29 PT Bank Mutiara
0,000 0,220
0,380 -1,440
-52,09 3,870
-8,177 30
PT Bank Capital Indonesia 0,000
17,780 2,950
2,130 1,140
1,420 4,237
5.1.5. BOPO Biaya Operasional per Pendapatan Operasional
Rasio perbandingan Beban Operasional per Pendapatan Operasional digunakan untuk melihat efisiensi perusahaan. Tabel 5.5 menggambarkan kondisi
fluktuasi dan rata-rata rasio BOPO perbankan Indonesia untuk periode 2004-2009. Angka BOPO secara rata-rata tertinggi terlihat pada Bank Bumiputera Indonesia
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Universitas Sumatera Utara
sebesar 99,38 dan bank tersebut juga memiliki BOPO tertinggi juga untuk tahun 2005 sebesar 115,86. Sedangkan BOPO terendah terlihat pada Bank Capital
Indonesia sebesar 0,071.
Tabel 5.5. Rasio Biaya Operasi terhadap Pendapatan Operasi BOPO
No Nama Bank
2004 2005
2006 2007
2008 2009
Rata- rata
1 PT Bank Arta Niaga Kencana tbk
87.00 89.00
98.53 86.91
85.98 92.01
89.91 2
PT Bank Bumiputera Indonesia tbk 91.38
115.86 98.54
95.56 96.10
98.84 99.38
3 PT Bank Central Asia tbk
65.00 66.00
81.20 66.73
66.80 68.70
69.07 4
PT Bank Danamon tbk 52.00
80.00 48.90
79.14 50.80
80.30 65.19
5 PT Bank Internasional Indonesia
79.00 84.00
90.03 95.24
92.90 90.00
88.53 6
PT Bank Lippo tbk 99.00
77.00 56.00
59.70 62.70
57.00 68.57
7 PT Bank Mega tbk
76.00 88.78
92.78 79.21
83.16 85.90
84.31 8
PT Bank Negara Indonesia tbk 78.82
84.88 84.79
93.04 90.20
84.90 86.11
9 PT Bank Niaga tbk
79.00 82.00
49.18 82.70
80.00 75.40
74.71 10
PT Bank NISP 76.00
86.52 87.98
88.19 86.12
84.24 84.84
11 PT Bank Permata tbk
83.10 89.60
90.00 84.80
87.60 84.90
86.67 12
PT Bank Rakyat Indonesia 68.86
70.83 74.38
69.80 72.35
68.90 70.24
13 PT Bank Swadesi tbk
80.00 82.00
59.20 69.30
70.10 60.96
70.26 14
PT Bank Mayapada tbk 81.27
92.15 88.91
88.46 90.63
93.82 89.21
15 PT Bank Pan Indonesia tbk
55.00 87.00
46.00 73.74
56.00 75.30
65.51 16
PT Bank Nusantara Parahyangan tbk 82.00
86.00 88.18
87.84 87.36
85.25 86.11
17 PT Bank Eksekutif Internasional tbk
81.00 124.52
110.48 99.85
110.94 105.76
105.43 18
PT Bank Victoria Internasional tbk 89.46
88.94 86.88
85.99 92.23
92.05 89.26
19 PT Bank Kesawan tbk
98.41 98.28
97.65 95.16
102.64 96.46
98.10 20
PT Bank Artha Graha Internasional tbk 88.05
87.61 97.06
97.69 97.05
95.80 93.88
21 PT Bank Mandiri
53.42 55.60
48.90 46.70
42.30 40.20
47.85 22
PT Bank Bumi Arta 82.35
80.39 80.18
85.17 82.44
82.29 82.14
23 PT Bank Tabungan Negara
86.52 86.16
87.56 85.57
86.18 87.87
86.64 24
PT Bank Tabungan Pensiunan Nasional 78.65
79.22 79.62
73.44 77.53
84.06 78.75
25 PT Bank Bukopin
80.00 24.02
58.08 63,32
63.30 70,65
59.89 26
PT Bank Himpunan Saudara 86.08
85.35 82.42
80.70 87.61
89.40 85.26
27 PT Bank Agroniaga
82.99 87.18
103.53 100.96
101.47 97.98
95.69 28
PT Bank Windu Kenjtjana 82.35
81.64 93.99
73.40 68.80
91.81 82.00
29 PT Bank Mutiara
12.36 122.69
93.65 112.00
1,226.13 92.66
276.58 30
PT Bank Capital Indonesia 86.55
202.97 78.69
80.35 88.36
88.03 104.16
5.1.6. LDR Loan To Deposit Ratio
