Analisis Komparatif Kinerja Keuangan Antara Bank Konvensional dan Bank Syariah di Indonesia Periode 2010-2013
LAMPIRAN
Lampiran 1
Tabel
Rasio Keuangan Tujuh Bank Konvensional Di Indonesia
Periode 2010-2013
Rasio Keuangan (%)
Aset
Bank
(Jutaan Rp) CAR ROA
NIM
BOPO
LDR
2010 248,580,529 18.60
2.50
5.80
76.00
70.20
2011 299,058,161 17.60
2.90
6.00
72.60
70.40
BNI
2012 333,303,506 16.70
2.90
5.90
71.00
77.50
2013 386,654,815 15.10
3.40
6.10
67.10
85.30
Rata-rata
316,899,253 17.00
2.93
5.95
71.68
75.85
2010 449,774,551 13.36
3.50
5.39
66.43
65.43
2011 551,891,704 15.34
3.37
5.29
67.22
71.65
Mandiri
2012 635,618,708 15.48
3.55
5.58
63.93
77.66
2013 733,099,762 14.93
3.66
5.68
62.41
82.97
Rata-rata
592,596,181 14.78
3.52
5.49
65.00
74.43
2010 324,419,069 13.50
3.50
5.30
65.10
55.20
2011 381,908,353 12.70
3.80
5.70
60.90
61.70
BCA
2012 442,994,197 14.20
3.60
5.60
62.40
68.60
2013 496,304,573 15.70
3.80
6.20
61.50
75.40
Rata-rata
411,406,548 14.03
3.68
5.70
62.48
65.23
2010 51,596,960 15.03
2.45
4.88
77.79
56.03
2011 61,909,027 11.86
2.29
5.40
81.84
63.75
Mega
2012 65,219,108 16.83
2.74
6.45
76.73
52.39
2013 66,475,698 15.74
1.14
5.38
89.76
57.41
Rata-rata
61,300,198 14.87
2.16
5.53
81.53
57.40
2010 404,285,602 13.76
4.64
10.77
70.86
75.17
2011 469,899,284 14.96
4.93
9.58
66.69
76.20
BRI
2012 551,336,790 16.95
5.15
8.42
59.93
79.85
2013 626,182,926 16.99
5.03
8.55
60.58
88.54
Rata-rata
512,926,151 15.67
4.94
9.33
64.52
79.94
2010 108,995,334 16.65
1.00
4.59
83.00
74.22
2011 124,755,427 17.50
2.00
4.64
80.00
80.36
Panin
2012 148,792,614 14.67
1.00
4.19
78.00
88.46
2013 164,055,576 15.32
1.00
4.09
79.00
87.71
Rata-rata
136,649,738 16.04
1.25
4.38
80.00
82.69
2010 47,489,366 11.82
1.62
4.75
84.98
71.85
2011 57,183,463 12.71
1.87
4.55
82.05
85.01
Bukopin
2012 65,689,830 16.34
1.83
4.56
81.42
83.81
2013 69,457,663 15.12
1.75
3.82
82.73
85.80
Rata-rata
59,955,081 14.00
1.77
4.42
82.80
81.62
NPL
1.10
0.50
0.80
0.50
0.73
0.54
0.45
0.37
0.37
0.43
0.20
0.20
0.20
0.20
0.20
1.00
1.00
0.50
1.00
1.00
2.00
2.00
1.50
2.68
0.92
0.48
0.75
1.21
2.00
2.00
1.00
1.00
1.50
79
Universitas Sumatera Utara
Lampiran 2
Tabel
Rasio Keuangan Tujuh Bank Syariah Di Indonesia
Periode 2010-2013
Rasio Keuangan (%)
Aset
Bank
(Jutaan Rp) CAR ROA
NIM
BOPO
2010 6,394,924 28.00
5.00
88.00
2011 8,466,887 20.67
1.29
8.00
87.86
BNIS
2012 10,645,313 19.07
1.48
11.00
85.39
2013 14,708,504 16.23
1.37
9.00
83.94
Rata-rata
10,053,907 20.99
1.04
8.25
86.30
2010 32,487,873 10.60
2.21
6.57
74.00
2011 48,671,950 14.57
1.95
7.48
76.00
BSM
2012 54,229,396 13.82
2.25
7.25
73.00
2013 63,965,361 14.10
1.53
7.25
84.00
Rata-rata
49,838,645 13.27
1.99
7.14
76.75
2010
874,631
76.40
1.10
9.00
91.00
2011 1,217,097 45.90
0.90
11.00
91.00
BCAS
2012 1,602,181 31.50
0.80
90.00
2013 2,041,419 22.40
1.00
1.00
86.00
Rata-rata
1,433,832 44.05
0.95
5.25
89.50
2010 4,637,730 13.14
1.90
15.49
88.86
2011 5,564,662 12.03
1.58
15.33
90.80
Mega
Syariah 2012 8,163,668 13.51
3.81
13.94
77.28
2013 9,121,576 12.99
2.33
10.66
86.09
Rata-rata
6,871,909 12.92
2.41
13.86
85.76
2010 6,856,386 20.62
0.35
7.50
98.77
2011 11,200,823 14.74
0.20
6.99
99.25
BRIS
2012 14,088,914 11.35
1.19
7.15
86.63
2013 17,400,914 14.49
1.15
6.27
90.42
Rata-rata
12,386,759 15.30
0.72
6.98
93.77
2010
458,713
54.81 (2.53) 5.32
182.31
2011 1,016,878 61.98
2.06
7.00
69.30
Panin
Syariah 2012 2,140,482 32.20
3.48
6.67
47.60
2013 4,052,701 20.83
1.03
4.00
81.31
Rata-rata
1,917,194 42.46
1.01
5.75
95.13
2010 2,193,952 11.51
0.74
3.00
93.57
0.52
3.00
93.86
Bukopin 2011 2,730,027 15.29
Syariah 2012 3,616,108 12.78
0.55
3.00
91.59
2013 4,343,069 11.10
0.69
3.00
92.29
Rata-rata
3,220,789 12.67
0.63
3.00
92.83
LDR
69.92
78.60
84.99
97.86
82.84
82.54
86.03
94.40
89.37
88.09
77.90
78.80
79.90
83.50
80.03
78.17
83.08
88.88
93.37
85.88
95.82
90.55
100.96
102.70
97.51
69.76
167.70
105.66
90.40
108.38
99.15
83.54
91.98
100.29
93.74
NPL
1.00
2.00
1.00
1.00
1.25
1.00
1.00
2.00
1.00
1.20
0.20
0.10
0.10
0.40
2.00
1.00
1.00
1.00
1.25
2.14
2.12
1.84
3.26
2.34
0.82
0.19
0.77
0.45
1.00
3.00
4.00
3.00
2.75
80
Universitas Sumatera Utara
Lampiran 1
Tabel
Rasio Keuangan Tujuh Bank Konvensional Di Indonesia
Periode 2010-2013
Rasio Keuangan (%)
Aset
Bank
(Jutaan Rp) CAR ROA
NIM
BOPO
LDR
2010 248,580,529 18.60
2.50
5.80
76.00
70.20
2011 299,058,161 17.60
2.90
6.00
72.60
70.40
BNI
2012 333,303,506 16.70
2.90
5.90
71.00
77.50
2013 386,654,815 15.10
3.40
6.10
67.10
85.30
Rata-rata
316,899,253 17.00
2.93
5.95
71.68
75.85
2010 449,774,551 13.36
3.50
5.39
66.43
65.43
2011 551,891,704 15.34
3.37
5.29
67.22
71.65
Mandiri
2012 635,618,708 15.48
3.55
5.58
63.93
77.66
2013 733,099,762 14.93
3.66
5.68
62.41
82.97
Rata-rata
592,596,181 14.78
3.52
5.49
65.00
74.43
2010 324,419,069 13.50
3.50
5.30
65.10
55.20
2011 381,908,353 12.70
3.80
5.70
60.90
61.70
BCA
2012 442,994,197 14.20
3.60
5.60
62.40
68.60
2013 496,304,573 15.70
3.80
6.20
61.50
75.40
Rata-rata
411,406,548 14.03
3.68
5.70
62.48
65.23
2010 51,596,960 15.03
2.45
4.88
77.79
56.03
2011 61,909,027 11.86
2.29
5.40
81.84
63.75
Mega
2012 65,219,108 16.83
2.74
6.45
76.73
52.39
2013 66,475,698 15.74
1.14
5.38
89.76
57.41
Rata-rata
61,300,198 14.87
2.16
5.53
81.53
57.40
2010 404,285,602 13.76
4.64
10.77
70.86
75.17
2011 469,899,284 14.96
4.93
9.58
66.69
76.20
BRI
2012 551,336,790 16.95
5.15
8.42
59.93
79.85
2013 626,182,926 16.99
5.03
8.55
60.58
88.54
Rata-rata
512,926,151 15.67
4.94
9.33
64.52
79.94
2010 108,995,334 16.65
1.00
4.59
83.00
74.22
2011 124,755,427 17.50
2.00
4.64
80.00
80.36
Panin
2012 148,792,614 14.67
1.00
4.19
78.00
88.46
2013 164,055,576 15.32
1.00
4.09
79.00
87.71
Rata-rata
136,649,738 16.04
1.25
4.38
80.00
82.69
2010 47,489,366 11.82
1.62
4.75
84.98
71.85
2011 57,183,463 12.71
1.87
4.55
82.05
85.01
Bukopin
2012 65,689,830 16.34
1.83
4.56
81.42
83.81
2013 69,457,663 15.12
1.75
3.82
82.73
85.80
Rata-rata
59,955,081 14.00
1.77
4.42
82.80
81.62
NPL
1.10
0.50
0.80
0.50
0.73
0.54
0.45
0.37
0.37
0.43
0.20
0.20
0.20
0.20
0.20
1.00
1.00
0.50
1.00
1.00
2.00
2.00
1.50
2.68
0.92
0.48
0.75
1.21
2.00
2.00
1.00
1.00
1.50
79
Universitas Sumatera Utara
Lampiran 2
Tabel
Rasio Keuangan Tujuh Bank Syariah Di Indonesia
Periode 2010-2013
Rasio Keuangan (%)
Aset
Bank
(Jutaan Rp) CAR ROA
NIM
BOPO
2010 6,394,924 28.00
5.00
88.00
2011 8,466,887 20.67
1.29
8.00
87.86
BNIS
2012 10,645,313 19.07
1.48
11.00
85.39
2013 14,708,504 16.23
1.37
9.00
83.94
Rata-rata
10,053,907 20.99
1.04
8.25
86.30
2010 32,487,873 10.60
2.21
6.57
74.00
2011 48,671,950 14.57
1.95
7.48
76.00
BSM
2012 54,229,396 13.82
2.25
7.25
73.00
2013 63,965,361 14.10
1.53
7.25
84.00
Rata-rata
49,838,645 13.27
1.99
7.14
76.75
2010
874,631
76.40
1.10
9.00
91.00
2011 1,217,097 45.90
0.90
11.00
91.00
BCAS
2012 1,602,181 31.50
0.80
90.00
2013 2,041,419 22.40
1.00
1.00
86.00
Rata-rata
1,433,832 44.05
0.95
5.25
89.50
2010 4,637,730 13.14
1.90
15.49
88.86
2011 5,564,662 12.03
1.58
15.33
90.80
Mega
Syariah 2012 8,163,668 13.51
3.81
13.94
77.28
2013 9,121,576 12.99
2.33
10.66
86.09
Rata-rata
6,871,909 12.92
2.41
13.86
85.76
2010 6,856,386 20.62
0.35
7.50
98.77
2011 11,200,823 14.74
0.20
6.99
99.25
BRIS
2012 14,088,914 11.35
1.19
7.15
86.63
2013 17,400,914 14.49
1.15
6.27
90.42
Rata-rata
12,386,759 15.30
0.72
6.98
93.77
2010
458,713
54.81 (2.53) 5.32
182.31
2011 1,016,878 61.98
2.06
7.00
69.30
Panin
Syariah 2012 2,140,482 32.20
3.48
6.67
47.60
2013 4,052,701 20.83
1.03
4.00
81.31
Rata-rata
1,917,194 42.46
1.01
5.75
95.13
2010 2,193,952 11.51
0.74
3.00
93.57
0.52
3.00
93.86
Bukopin 2011 2,730,027 15.29
Syariah 2012 3,616,108 12.78
0.55
3.00
91.59
2013 4,343,069 11.10
0.69
3.00
92.29
Rata-rata
3,220,789 12.67
0.63
3.00
92.83
LDR
69.92
78.60
84.99
97.86
82.84
82.54
86.03
94.40
89.37
88.09
77.90
78.80
79.90
83.50
80.03
78.17
83.08
88.88
93.37
85.88
95.82
90.55
100.96
102.70
97.51
69.76
167.70
105.66
90.40
108.38
99.15
83.54
91.98
100.29
93.74
NPL
1.00
2.00
1.00
1.00
1.25
1.00
1.00
2.00
1.00
1.20
0.20
0.10
0.10
0.40
2.00
1.00
1.00
1.00
1.25
2.14
2.12
1.84
3.26
2.34
0.82
0.19
0.77
0.45
1.00
3.00
4.00
3.00
2.75
80
Universitas Sumatera Utara