Analisis Tingkat Kesehatan Bank Pemerintah Yang Terdaftar Di Bursa Efek Indonesia Dengan Menggunakan Metode Camel Periode 2010- 2012

Lampiran I
Hasil Perhitungan Rasio CAMEL 2010-2012
PERUSAHAAN
ASPEK
NO CAMEL
(%)
1 CAR

PT BNI
PT BRI
PT MANDIRI
PT BTN
2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012
11,00 20,41 18.51 15,91 17,81 19,94 15,56 17,78 19,12 17,78 15,79 19,28

2 NPL

1,95

8,35

6,25

6,82

8,43

14,20 5,78

3,62

3,35

16,57 16,30 17,71

3 KAP

1,42

3,27

2,73

2,04

2,32

8,11

1,42

0,97

0,89

5,96

4,88

5,91

4 ROA

2,20

2,49

2,67

3,68

3,99

4,33

3,11

2,99

3,22

1,83

1,71

1,67

5 BOPO

64,71 65,84

64,15 52,09 48,44 61,74 62,13 64,99 62,27 77,16 80,44 77,79

6 LDR

70,17 70,70

77,90 74,01 74,27 77,93 64,20 77,71 83,68

100 94,45 92,56

Lampiran II
Nilai Peringkat Masing- masing Faktor 2010-2012
PERUSAHAAN
ASPEK
NO CAMEL
1 CAR

PT BNI
PT BRI
PT MANDIRI
PT BTN
2010 2011 2012 2010 2011 2012 2010 2011
2012 2010 2011 2012
2
1
2
2
2
1
2

2
2
2
2
2

2 NPL

1

4

3

3

4

4

1

2

2

4

4

4

3 KAP

1

3

2

2

2

4

1

1

1

3

3

3

4 ROA

1

1

1

1

1

1

1

1

1

2

2

3

5 BOPO

1

1

1

1

1

1

1

1

1

1

1

1

6 LDR

1

1

2

1

1

2

1

2

2

4

3

3

Universitas Sumatera Utara

Lampiran III
HASIL OLAHAN SPSS
Descriptive Statistics Data Tahun 2010
N

Minimum

Maximum

Sum

Mean

Std. Deviation

CAR

4

11.00

17.78

60.25

15.0625

2.87834

NPL

4

1.95

16.57

31.12

7.7800

6.22293

KAP

4

1.42

5.96

10.84

2.7100

2.18629

ROA

4

1.83

3.68

10.82

2.7050

.84366

BOPO

4

52.09

77.16

256.09

64.0225

10.31233

LDR

4

64.20

100.00

308.38

77.0950

15.79444

Valid N (listwise)

4

DESCRIPTIVES VARIABLES=CAR NPL KAP ROA BOPO LDR
MAX.

/STATISTICS=MEAN SUM STDDEV MIN

Descriptive Statistics Data Tahun 2011
N

Minimum

Maximum

Sum

Mean

Std. Deviation

CAR

4

15.79

20.41

71.79

17.9475

1.89435

NPL

4

3.62

16.30

36.70

9.1750

5.25545

KAP

4

.97

4.88

11.44

2.8600

1.64440

ROA

4

1.71

3.99

11.18

2.7950

.95504

BOPO

4

48.44

80.44

259.71

64.9275

13.08067

LDR

4

70.70

94.45

317.13

79.2825

10.50889

Valid N (listwise)

4

Universitas Sumatera Utara

Descriptive Statistics Data Tahun 2012
N

Minimum

Maximum

Sum

Mean

Std. Deviation

CAR

4

18.51

19.94

76.85

19.2125

.58762

NPL

4

3.35

17.71

41.51

10.3775

6.70321

KAP

4

.89

8.11

17.64

4.4100

3.22246

ROA

4

1.67

4.33

11.89

2.9725

1.10937

BOPO

4

61.74

77.79

265.95

66.4875

7.60562

LDR

4

77.90

92.56

332.07

83.0175

6.91784

Valid N (listwise)

4

One-Sample Kolmogorov-Smirnov Test Data Tahun 2011
CAR
N

NPL

KAP

ROA

BOPO

LDR

4

4

4

4

4

4

Mean

17.9475

9.1750

2.8600

2.7950

64.9275

79.2825

Std. Deviation

1.89435

5.25545

1.64440

.95504

13.08067

10.50889

Absolute

.279

.306

.152

.169

.252

.309

Positive

.279

.306

.152

.169

.222

.309

Negative

-.215

-.188

-.140

-.145

-.252

-.207

Kolmogorov-Smirnov Z

.558

.613

.303

.338

.504

.619

Asymp. Sig. (2-tailed)

.915

.847

1.000

1.000

.961

.838

Normal Parameters

a,,b

Most Extreme Differences

a. Test distribution is Normal.

Universitas Sumatera Utara

b. Calculated from data.
One-Sample Kolmogorov-Smirnov Test Data Tahun 2012
CAR

NPL

N

KAP

ROA

BOPO

4

4

4

4

4

19.2125

10.3775

4.4100

2.9725

66.4875

.58762

6.70321

3.22246

1.10937

7.60562

Absolute

.204

.231

.199

.162

.371

Positive

.204

.231

.199

.162

.371

Negative

-.187

-.216

-.179

-.143

-.266

Kolmogorov-Smirnov Z

.409

.462

.398

.323

.741

Asymp. Sig. (2-tailed)

.996

.983

.997

1.000

.642

Normal Parameters

a,,b

Mean
Std. Deviation

Most Extreme Differences

a. Test distribution is Normal.

NPAR TESTS

/K-S(NORMAL)=CAR NPL KAP ROA BOPO LDR

/MISSING ANALYSIS.

One-Sample Kolmogorov-Smirnov Test Data Tahun 2010
CAR
N

NPL

KAP

ROA

BOPO

LDR

4

4

4

4

4

4

Mean

15.0625

7.7800

2.7100

2.7050

64.0225

77.0950

Std. Deviation

2.87834

6.22293

2.18629

.84366

Absolute

.319

.311

.370

.225

.223

.327

Positive

.173

.311

.370

.225

.223

.327

Negative

-.319

-.174

-.278

-.184

-.177

-.207

Kolmogorov-Smirnov Z

.637

.623

.741

.451

.447

.655

Asymp. Sig. (2-tailed)

.812

.833

.643

.987

.988

.784

Normal Parameters

a,,b

Most Extreme Differences

10.31233 15.79444

a. Test distribution is Normal.
b. Calculated from data.

Universitas Sumatera Utara

ANOVA CAR
Sum of Squares
CAR

TKS

Between Groups

df

Mean Square

F

2.606

3

.869

Within Groups

70.245

8

8.781

Total

72.851

11

.333

3

.111

Within Groups

1.333

8

.167

Total

1.667

11

Between Groups

Sig.
.099

.958

.667

.596

ANOVA NPL
Sum of Squares
NPL

Between Groups

Mean Square

F

291.572

3

97.191

55.980

8

6.997

347.552

11

Between Groups

7.583

3

2.528

Within Groups

3.333

8

.417

10.917

11

Within Groups
Total
TKS

df

Total

Sig.

13.889

.002

6.067

.019

Multiple Comparisons NPL
LSD
Depende

95% Confidence Interval

nt

Mean Difference

Variable

(I) BANK

(J) BANK

NPL

BANK BNI

BANK BRI

Std. Error

Sig.

Lower Bound

Upper Bound

-4.30000

2.15986

.082

-9.2806

.6806

1.27667

2.15986

.571

-3.7040

6.2573

*

2.15986

.001

-16.3240

-6.3627

BANK BNI

4.30000

2.15986

.082

-.6806

9.2806

BANK MANDIRI

5.57667

*

2.15986

.033

.5960

10.5573

-7.04333

*

2.15986

.012

-12.0240

-2.0627

BANK MANDIRI
BANK BTN
BANK BRI

(I-J)

BANK BTN

-11.34333

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BANK MANDIRI

BANK BTN

BANK BNI

-1.27667

2.15986

.571

-6.2573

3.7040

BANK BRI

-5.57667

*

2.15986

.033

-10.5573

-.5960

BANK BTN

-12.62000

*

2.15986

.000

-17.6006

-7.6394

BANK BNI

11.34333

*

2.15986

.001

6.3627

16.3240

BANK BRI

7.04333

*

2.15986

.012

2.0627

12.0240

12.62000

*

2.15986

.000

7.6394

17.6006

-1.00000

.52705

.094

-2.2154

.2154

.33333

.52705

.545

-.8820

1.5487

*

.52705

.013

-2.8820

-.4513

BANK BNI

1.00000

.52705

.094

-.2154

2.2154

BANK MANDIRI

1.33333

*

.52705

.035

.1180

2.5487

BANK BTN

-.66667

.52705

.242

-1.8820

.5487

BANK BNI

-.33333

.52705

.545

-1.5487

.8820

BANK BRI

-1.33333

*

.52705

.035

-2.5487

-.1180

BANK BTN

-2.00000

*

.52705

.005

-3.2154

-.7846

BANK BNI

1.66667

*

.52705

.013

.4513

2.8820

BANK BRI

.66667

.52705

.242

-.5487

1.8820

*

.52705

.005

.7846

3.2154

BANK MANDIRI
TKS

BANK BNI

BANK BRI
BANK MANDIRI
BANK BTN

BANK BRI

BANK MANDIRI

BANK BTN

BANK MANDIRI

-1.66667

2.00000

*. The mean difference is significant at the 0.05 level.

ANOVA KAP
Sum of Squares
KAP

TKS

df

Mean Square

Between Groups

34.492

3

11.497

Within Groups

26.199

8

3.275

Total

60.691

11

Between Groups

7.000

3

2.333

Within Groups

4.667

8

.583

11.667

11

Total

F

Sig.
3.511

.069

4.000

.052

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ANOVA ROA
Sum of Squares
ROA

Between Groups

Mean Square

F

8.342

3

2.781

.367

8

.046

Total

8.709

11

Between Groups

6.250

3

2.083

Within Groups

2.667

8

.333

Total

8.917

11

Within Groups

TKS

df

Sig.

60.681

.000

6.250

.017

Multiple Comparisons ROA
LSD
95% Confidence Interval
Dependent

Upper

Variable

(I) BANK

(J) BANK

ROA

BANK BNI

BANK BRI

BANK BTN

TKS

BANK BNI

Sig.

Lower Bound

Bound

*

.17544

.000

-1.9546

-1.1454

-.65667

*

.17544

.006

-1.0612

-.2521

BANK BTN

.71333

*

.17544

.004

.3088

1.1179

BANK BNI

1.55000

*

.17544

.000

1.1454

1.9546

.89333

*

.17544

.001

.4888

1.2979

BANK BTN

2.26333

*

.17544

.000

1.8588

2.6679

BANK BNI

.65667

*

.17544

.006

.2521

1.0612

BANK BRI

-.89333

*

.17544

.001

-1.2979

-.4888

BANK BTN

1.37000

*

.17544

.000

.9654

1.7746

BANK BNI

-.71333

*

.17544

.004

-1.1179

-.3088

BANK BRI

-2.26333

*

.17544

.000

-2.6679

-1.8588

BANK MANDIRI

-1.37000

*

.17544

.000

-1.7746

-.9654

1.00000

.47140

.067

-.0871

2.0871

.33333

.47140

.500

-.7537

1.4204

-1.00000

.47140

.067

-2.0871

.0871

BANK MANDIRI

BANK MANDIRI

Std. Error

-1.55000

BANK MANDIRI

BANK BRI

Mean Difference (I-J)

BANK BRI
BANK MANDIRI
BANK BTN

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BANK BRI

BANK BNI

-1.00000

.47140

.067

-2.0871

.0871

-.66667

.47140

.195

-1.7537

.4204

*

.47140

.003

-3.0871

-.9129

BANK BNI

-.33333

.47140

.500

-1.4204

.7537

BANK BRI

.66667

.47140

.195

-.4204

1.7537

*

.47140

.022

-2.4204

-.2463

BANK BNI

1.00000

.47140

.067

-.0871

2.0871

BANK BRI

2.00000

*

.47140

.003

.9129

3.0871

BANK MANDIRI

1.33333

*

.47140

.022

.2463

2.4204

BANK MANDIRI
BANK BTN
BANK MANDIRI

BANK BTN
BANK BTN

-2.00000

-1.33333

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Multiple Comparisons ROA
LSD
95% Confidence Interval
Dependent

Upper

Variable

(I) BANK

(J) BANK

ROA

BANK BNI

BANK BRI

BANK BTN

TKS

BANK BNI

-1.9546

-1.1454

-.65667

*

.17544

.006

-1.0612

-.2521

BANK BTN

.71333

*

.17544

.004

.3088

1.1179

BANK BNI

1.55000

*

.17544

.000

1.1454

1.9546

.89333

*

.17544

.001

.4888

1.2979

BANK BTN

2.26333

*

.17544

.000

1.8588

2.6679

BANK BNI

.65667

*

.17544

.006

.2521

1.0612

BANK BRI

-.89333

*

.17544

.001

-1.2979

-.4888

BANK BTN

1.37000

*

.17544

.000

.9654

1.7746

BANK BNI

-.71333

*

.17544

.004

-1.1179

-.3088

BANK BRI

-2.26333

*

.17544

.000

-2.6679

-1.8588

BANK MANDIRI

-1.37000

*

.17544

.000

-1.7746

-.9654

1.00000

.47140

.067

-.0871

2.0871

.33333

.47140

.500

-.7537

1.4204

BANK BTN

-1.00000

.47140

.067

-2.0871

.0871

BANK BNI

-1.00000

.47140

.067

-2.0871

.0871

-.66667

.47140

.195

-1.7537

.4204

*

.47140

.003

-3.0871

-.9129

BANK BNI

-.33333

.47140

.500

-1.4204

.7537

BANK BRI

.66667

.47140

.195

-.4204

1.7537

*

.47140

.022

-2.4204

-.2463

BANK BNI

1.00000

.47140

.067

-.0871

2.0871

BANK BRI

2.00000

*

.47140

.003

.9129

3.0871

BANK MANDIRI

1.33333

*

.47140

.022

.2463

2.4204

BANK BRI

BANK BTN

BANK BTN
BANK BTN

Bound

.000

BANK MANDIRI

BANK MANDIRI

Lower Bound

.17544

BANK MANDIRI

BANK BRI

Sig.

*

BANK MANDIRI

BANK MANDIRI

Std. Error

-1.55000

BANK MANDIRI

BANK BRI

Mean Difference (I-J)

-2.00000

-1.33333

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Multiple Comparisons LDR
LSD
Depende

95% Confidence Interval

nt

Mean Difference (I-

Variable

(I) BANK

(J) BANK

LDR

BANK BNI

BANK BRI

-2.30000

4.77181

.643

-13.3038

8.7038

BANK MANDIRI

-2.09333

4.77181

.672

-13.0971

8.9105

*

4.77181

.001

-33.5705

-11.5629

2.30000

4.77181

.643

-8.7038

13.3038

.20667

4.77181

.967

-10.7971

11.2105

*

4.77181

.003

-31.2705

-9.2629

BANK BNI

2.09333

4.77181

.672

-8.9105

13.0971

BANK BRI

-.20667

4.77181

.967

-11.2105

10.7971

BANK BTN
BANK BRI

BANK BNI
BANK MANDIRI
BANK BTN

BANK MANDIRI

BANK BTN

TKS

BANK BNI

-20.26667

Lower Bound

Upper Bound

*

4.77181

.003

-31.4771

-9.4695

BANK BNI

22.56667

*

4.77181

.001

11.5629

33.5705

BANK BRI

20.26667

*

4.77181

.003

9.2629

31.2705

BANK MANDIRI

20.47333

*

4.77181

.003

9.4695

31.4771

.00000

.47140

1.000

-1.0871

1.0871

-.33333

.47140

.500

-1.4204

.7537

*

.47140

.003

-3.0871

-.9129

.00000

.47140

1.000

-1.0871

1.0871

-.33333

.47140

.500

-1.4204

.7537

*

.47140

.003

-3.0871

-.9129

BANK BNI

.33333

.47140

.500

-.7537

1.4204

BANK BRI

.33333

.47140

.500

-.7537

1.4204

BANK BRI

BANK BNI
BANK MANDIRI
BANK BTN

BANK BTN

-22.56667

Sig.

-20.47333

BANK BTN

BANK MANDIRI

Std. Error

BANK BTN

BANK MANDIRI

BANK BRI

J)

-2.00000

-2.00000

BANK BTN

-1.66667

*

.47140

.008

-2.7537

-.5796

BANK BNI

2.00000

*

.47140

.003

.9129

3.0871

BANK BRI

2.00000

*

.47140

.003

.9129

3.0871

BANK MANDIRI

1.66667

*

.47140

.008

.5796

2.7537

*. The mean difference is significant at the 0.05 level.

Universitas Sumatera Utara