Analisis Tingkat Efisiensi Antara Bank Umum Syariah Dengan Bank Umum Convensional Menggunakan Metode Data Envelopment Analysis (Dea)
Lampiran 1
Input dan Output Bank Umum Konvensional (BUK) Tahun 2008
(Dalam Jutaan)
Bank Umum
Konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total Aset
Simpanan
44,992,171 21,220,416
224,729,251 52,967,094
200,390,507 67,307,399
53,790,638 25,906,881
246,026,225 73,519,757
338,404,265 117,047,354
Biaya Tenaga
Kerja
Kredit/Pembiayaan
613,321
32,025,231
3,200,928
112,846,634
3,220,991
108,896,144
938,331
35,057,139
6,317,638
161,061,059
4,095,663
159,007,051
Laba
Operasional
669,834
7,605,119
1,892,014
81,994
8,347,565
7,752,840
102,604,732
53,959,827
47,913,468
26,366,090
1,666,471
922,019
74,489,148
34,850,805
1,287,308
605,485
104,821,926
62,772,547
54,214,672
29,445,332
2,270,214
375,589
64,233,906
36,868,879
2,012,992
948,123
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 2
Input dan Output Bank Umum Syariah (BUS) Tahun 2008
(Dalam Jutaan)
Bank Umum
Syariah
Bank Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total Aset Simpanan
12,610,853 805,783
606,055
18,560
3,096,201
654,701
1,466,762
77,365
17,065,938 1,850,684
Biaya Tenaga
Kerja
145,219
12,026
88,912
68,022
294,252
Kredit/Pembiayaan
5,020,760
132,824
135,521
233,400
5,542,033
Laba
Operasional
300,692
1,442
23,581
4,084
279,940
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 3
Input dan Output Bank Umum Konvensional (BUK) Tahun 2009
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
58,516,058 23,909,718
280,817,308 65,006,963
225,541,328 82,609,539
58,701,483 26,645,710
314,745,744 100,034,299
370,310,994 123,409,519
Biaya tenaga
kerja
695,713
4,061,935
3,336,683
977,340
6,585,617
4,205,057
Kredit/pembiayaan
40,732,954
123,596,037
117,644,695
37,047,434
205,522,394
179,687,845
Laba
operasional
739,444
8,404,158
3,347,581
358,591
8,569,748
10,312,469
106,803,360
55,900,751
46,884,622
25,115,277
1,906,029
1,131,892
82,970,368
41,201,583
2,178,850
736,650
96,630,214
76,075,202
44,842,744
30,571,763
2,102,538
456,547
59,832,098
43,196,490
2,242,686
1,229,317
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 4
Input dan Output Bank Umum Syariah (BUS) Tahun 2009
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
16,064,093
1,974,948
4,381,991
3,178,386
22,036,535
1,245,352
243,798
996,778
443,097
2,681,018
200,805
20,861
188,979
90,176
395,188
Kredit/pembiayaan
Laba
operasional
5,996,216
323,227
193,926
771,230
6,519,744
77,565
2,886
83,394
7,127
410,384
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 5
Input dan Output Bank Umum Konvensional (BUK) Tahun 2010
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
68,385,539 29,513,925
320,585,907 67,987,209
240,293,481 77,361,996
71,579,977 35,445,946
398,393,138 126,309,586
406,000,854 144,710,102
Biaya tenaga
kerja
762,897
4,241,720
3,817,770
137,429
8,104,779
4,552,606
Kredit/pembiayaan
48,702,920
153,965,023
132,852,979
49,695,623
246,968,128
219,032,483
Laba
operasional
1,263,720
9,914,319
5,461,937
475,353
14,407,492
12,928,742
142,637,071
73,582,319
64,717,462
31,940,369
1,849,845
1,119,968
102,108,984
50,589,480
3,261,532
1,106,514
113,864,875
105,424,496
48,060,809
37,865,914
2,539,450
549,327
75,090,482
57,525,466
2,773,386
1,502,270
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 6
Input dan Output Bank Umum Syariah (BUS) Tahun 2010
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
Kredit/pembiayaan
Laba
operasional
21,442,596
2,193,952
4,637,730
6,856,386
32,481,873
2,547,365
270,085
1,182,822
1,054,006
4,174,664
253,263
41,843
293,340
189,999
622,679
7,501,327
543,491
149,474
1,328,992
8,715,920
238,431
14,373
85,411
9,052
565,098
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 7
Input dan Output Bank Umum Konvensional (BUK) Tahun 2011
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
89,121,459 31,027,400
377,250,966 74,418,152
288,511,901 80,845,197
90,740,977 39,988,171
456,531,093 144,095,184
489,106,664 141,994,836
Biaya tenaga
kerja
892,833
4,843,453
4,704,523
1,386,973
7,897,905
5,097,336
Kredit/pembiayaan
59,337,756
202,268,608
158,164,743
62,574,123
283,586,497
273,962,101
Laba
operasional
1,525,748
12,908,515
7,182,546
705,425
17,610,989
14,547,992
164,137,582
101,534,393
70,405,483
46,749,995
2,009,404
1,399,186
120,219,882
65,859,107
4,086,283
1,283,470
127,183,116
118,261,916
50,746,696
37,519,535
2,684,640
724,734
86,699,835
70,793,812
3,556,351
2,219,356
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 8
Input dan Output Bank Umum Syariah (BUS) Tahun 2011
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
32,479,506
2,730,027
5,565,724
11,200,823
48,671,950
3,346,766
309,871
1,618,691
1,902,555
5,095,863
410,355
44,229
310,735
302,475
964,882
Kredit/pembiayaan
Laba
operasional
9,902,213
632,574
72,540
1,760,141
9,962,919
383,619
15,093
73,846
5,071
741,645
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 9
Input dan Output Bank Umum Konvensional (BUK) Tahun 2012
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
111,748,593 41,541,453
436,795,410 73,016,169
321,534,240 80,788,084
111,161,003 18,766,047
535,209,156 174,702,342
563,105,056 144,844,747
Biaya tenaga
kerja
978,390
5,735,210
5,129,161
1,654,284
8,730,000
6,193,255
Kredit/pembiayaan
75,410,705
256,713,553
193,016,854
74,318,621
348,231,964
339,973,690
Laba
operasional
1,865,192
14,357,364
8,343,813
1,222,269
22,476,323
17,308,235
192,612,817
132,130,006
80,136,112
56,504,744
2,569,521
1,850,142
133,708,004
86,955,200
5,508,046
1,762,027
130,474,521
141,450,516
48,707,460
38,834,008
3,069,852
934,252
91,532,966
91,765,984
4,478,088
2,505,512
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 10
Input dan Output Bank Umum Syariah (BUS) Tahun 2012
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
Kredit/pembiayaan
Laba
operasional
44,854,413
3,616,108
8,164,921
14,088,914
54,229,396
5,949,863
413,346
1,664,319
2,360,278
7,332,436
546,875
51,390
324,834
323,383
973,160
15,045,617
831,263
36,351
2,663,262
10,462,107
524,526
26,161
246,934
131,035
1,091,102
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 11
Input dan Output Bank Umum Konvensional (BUK) Tahun 2013
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Biaya tenaga
kerja
1,161,101
6,338,511
5,405,324
Kredit/pembiayaan
92,386,308
312,380,146
239,363,451
Laba
operasional
2,135,909
16,984,654
10,975,031
134,445,720 24,588,363
606,370,242 198,345,998
648,250,177 169,338,524
1,750,425
11,202,859
7,163,504
92,062,035
430,621,874
416,978,030
1,738,055
25,864,852
21,304,334
211,427,283
165,542,733
87,580,836
79,164,847
2,886,279
1,998,942
143,751,378
106,980,019
5,647,478
1,994,105
152,021,037
154,128,770
57,159,885
44,638,997
3,459,648
1,167,174
103,895,851
103,045,656
3,678,886
2,666,596
Total aset
131,169,730
488,498,242
370,716,158
Simpanan
48,275,905
86,610,366
87,145,146
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 12
Input dan Output Bank Umum Syariah (BUS) Tahun 2013
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
Kredit/pembiayaan
Laba
operasional
54,694,021
4,343,069
9,121,575
17,400,914
63,965,361
6,295,093
425,867
1,284,557
3,151,441
9,115,337
754,059
62,577
362,352
400,267
1,192,403
21,240,407
1,092,737
43,593
4,050,478
11,113,224
708,677
30,959
181,451
179,740
874,903
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 13
Nilai efisiensi Bank Umum Konvensional dan Bank Umum Syariah
Tahun 2008-2013
Menggunakan Metode DEA
Nama Bank
BTN Konvensional
BCA Konvensional
BNI Konvensional
BII Konvensional
BRI Konvensional
Mandiri Konvensional
CIMB Niaga
Konvensional
Permata Konvensional
Danamon konvensional
Panin Konvensional
Rata-rata Efisiensi
muamalat Syariah
Bukopin Syariah
Mega Syariah
BRI Syariah
Mandiri Syariah
Rata-rata Efisiensi
2008
100
100
89
89.9
100
85.5
2009
100
100
79.1
83
100
100
tahun
2010
100
100
90.7
100
100
100
100
89
88.2
100
94.16
100
100
31.9
47.1
81.6
72.12
100
94.9
90.7
100
94.77
100
51.9
100
65
100
83.38
100
96.5
95
100
98.22
100
70.8
100
55.4
100
85.24
2011
100
100
90.3
94.2
100
100
2012
100
100
91.6
100
100
100
2013
100
100
95.5
100
100
100
100
88.6
97.02
100
97.01
100
76
87.1
51.5
100
82.92
100
94.7
100
100
98.63
100
79.5
100
65
100
88.9
96.1
91.5
96.2
100
97.93
100
76
100
72.8
95.9
88.94
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 14
Tabel Efisiensi Bank Umum Konvensional Tahun 2008
Bank
Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Efisiensi
(%)
100
100
89
89.8
100
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
85.5
Actual
Target
potential
improvement
(%)
44,992,171
21,220,416
613,321
32,025,231
669,834
44,992,171
21,220,416
613,321
32,025,231
669,834
0
0
0
0
0
224,729,251
52,967,094
3,200,928
112,846,634
7,605,119
224,729,251
52,967,094
3,200,928
112,846,634
7,605,119
0
0
0
0
0
200,390,507
67,307,399
3,220,991
108,896,144
1,892,014
178,948,106
60,105,300
2,876,335
108,896,144
4,782,050
-10.70
-10.70
-10.70
0
152.75
53,790,638
25,906,881
938,331
35,057,139
81,994
48,289,293
22,549,715
784,291
35,057,139
605,851
-10.23
-12.96
-16.42
0
638.90
246,026,225
73,519,757
246,026,225
73,519,757
0
0
6,317,638
161,061,059
8,347,565
6,317,638
161,061,059
8,347,565
0
0
0
338,404,265
117,047,354
289,329,571
93,578,750
-14.50
-20.05
-14.50
Universitas Sumatera Utara
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
4,095,663
159,007,051
7,752,840
3,501,718
159,007,051
7,752,840
0
0
0
102,604,732
47,913,468
1,666,471
74,489,148
1,287,308
102,604,732
47,913,468
1,666,471
74,489,148
1,287,308
0
0
0
0
0
53,959,827
26,366,090
922,019
34,850,805
605,485
48,018,981
22,399,698
781,243
34,850,805
605,485
-11.01
-15.04
-15.27
0
0
104,821,926
54,214,672
2,270,214
64,233,906
2,012,992
92,401,406
36,435,959
1,877,513
64,233,906
2,012,992
-11.85
-32.79
-17.30
0
0
62,772,547
29,445,332
375,589
36,868,879
62,772,547
29,445,332
375,589
36,868,879
0
0
0
0
Laba Operasional
948,123
948,123
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
0
100
89
88.2
100
Universitas Sumatera Utara
Lampiran 15
Tabel Efisiensi Bank Umum Syariah Tahun 2008
Efisiensi
(%)
Actual
Target
Bank Syariah
Bank Muamalat
12,610,853
12,610,853
Total Aset
805,783
805,783
Simpanan
100
145,219
145,219
Biaya Tenaga Kerja
5,020,760
5,020,760
Kredit
300,692
300,692
Laba Operasional
Bank Bukopin
606,055
606,055
Total Aset
18,560
18,560
Simpanan
100
12,026
12,026
Biaya Tenaga Kerja
132,824
132,824
Kredit
1,442
1,442
Laba Operasional
Bank Mega
3,096,201
998,973
Total Aset
654,701
63,191
Simpanan
31.9
88,912
11,388
Biaya Tenaga Kerja
135,521
393,740
Kredit
23,581
23,581
Laba Operasional
Bank BRI
1,466,762
690,223
Total Aset
77,365
36,406
Simpanan
47.1
68,022
9,874
Biaya Tenaga Kerja
233,400
233,400
Kredit
4,084
11,492
Laba Operasional
Bank Mandiri
17,065,938
13,920,156
Total Aset
1,850,684
889,442
Simpanan
81.6
294,252
160,296
Biaya Tenaga Kerja
5,542,033
5,542,033
Kredit
279,940
331,910
Laba Operasional
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
potential
improvement
(%)
0
0
0
0
0
0
0
0
0
0
-68.06
-90.35
-87.19
190.54
0
-52.94
-52.94
-85.48
0
181.40
-18.43
-51.94
-87.19
0
18.57
Universitas Sumatera Utara
Lampiran 16
Tabel Efisiensi Bank Umum Konvensional Tahun 2009
Bank Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Actual
Target
potential
improvement
(%)
100
58,516,058
23,909,718
695,713
40,732,954
739,444
58,516,058
23,909,718
695,713
40,732,954
739,444
0
0
0
0
0
100
280,817,308
65,006,963
4,061,935
123,596,037
8,404,158
280,817,308
65,006,963
4,061,935
123,596,037
8,404,158
0
0
0
0
0
79.1
225,541,328
82,609,539
3,336,683
117,644,695
3,347,581
178,439,745
65,357,534
2,639,857
117,644,695
-20.88
-20.88
-20.88
0
3,347,581
0
83
58,701,483
26,645,710
977,340
37,047,434
358,591
48,706,429
21,083,893
810,929
37,047,434
917,662
-17.03
-20.87
-17.03
0
155.91
100
314,745,744
100,034,299
6,585,617
205,522,394
8,569,748
314,745,744
100,034,299
6,585,617
205,522,394
8,569,748
0
0
0
0
0
370,310,994
123,409,519
4,205,057
370,310,994
123,409,519
4,205,057
0
0
0
Efisiensi
(%)
100
Universitas Sumatera Utara
Kredit
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
179,687,845
10,312,469
179,687,845
10,312,469
0
0
100
106,803,360
46,884,622
1,906,029
82,970,368
2,178,850
106,803,360
46,884,622
1,906,029
82,970,368
2,178,850
0
0
0
0
0
94.9
55,900,751
25,115,277
1,131,892
41,201,583
736,650
53,036,615
23,282,054
946,499
41,201,583
1,081,977
-5.12
-7.30
-16.38
0
46.88
90.7
96,630,214
44,842,744
2,102,538
59,832,098
2,242,686
87,640,548
30,401,932
1,769,047
59,832,098
2,242,686
-9.30
-32.20
-15.86
0
0
100
76,075,202
30,571,763
456,547
43,196,490
1,229,317
76,075,202
30,571,763
456,547
43,196,490
1,229,317
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 17
Tabel Efisiensi Bank Umum Syariah Tahun 2009
Efisiensi
(%)
Bank Syariah
Actual
Target
Bank Muamalat
Total Aset
16,064,093 16,064,093
Simpanan
1,245,352
1,245,352
Biaya
Tenaga
100
200,805
200,805
Kerja
Kredit
5,996,216
5,996,216
Laba Operasional
77,565
77,565
Bank Bukopin
Total Aset
1,974,948
865,937
Simpanan
243,798
67,130
Biaya
Tenaga
Kerja
51.9
20,861
10,824
Kredit
323,227
323,227
Laba Operasional
2,886
4,181
Bank Mega
Total Aset
4,381,991
4,381,991
Simpanan
996,778
996,778
Biaya
Tenaga
100
188,979
188,979
Kerja
Kredit
193,926
193,926
Laba Operasional
83,394
83,394
Bank BRI
Total Aset
3,178,386
2,066,154
Simpanan
443,097
160,176
Biaya
Tenaga
65
90,176
25,827
Kerja
Kredit
771,230
771,230
Laba Operasional
7,127
9,976
Bank Mandiri
Total Aset
22,036,535 22,036,535
Simpanan
2,681,018
2,681,018
Biaya
Tenaga
100
395,188
395,188
Kerja
Kredit
6,519,744
6,519,744
Laba Operasional
410,384
410,384
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
potential
improvement
(%)
0
0
0
0
0
-56.15
-72.46
-48.11
0
44.88
0
0
0
0
0
-34.99
-63.85
-71.36
0
39.98
0
0
0
0
0
Universitas Sumatera Utara
Lampiran 18
Tabel Efisiensi Bank Umum Konvensional Tahun 2010
Bank Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Actual
Target
potential
improvement
(%)
100
68,385,539
29,513,925
762,897
48,702,920
1,263,720
68,385,539
29,513,925
762,897
48,702,920
1,263,720
0
0
0
0
0
100
320,585,907
67,987,209
4,241,720
153,965,023
9,914,319
320,585,907
67,987,209
4,241,720
153,965,023
9,914,319
0
0
0
0
0
240,293,481
77,361,996
3,817,770
217,987,092
70,180,499
3,463,367
-9.28
-9.28
-9.28
132,852,979
5,461,937
132,852,979
6,495,604
0
18.92
100
71,579,977
35,445,946
137,429
49,695,623
475,353
71,579,977
35,445,946
137,429
49,695,623
475,353
0
0
0
0
0
100
398,393,138
126,309,586
8,104,779
246,968,128
14,407,492
398,393,138
126,309,586
8,104,779
246,968,128
14,407,492
0
0
0
0
0
406,000,854
144,710,102
4,552,606
219,032,483
406,000,854
144,710,102
4,552,606
219,032,483
0
0
0
0
Efisiensi
(%)
90.7
100
Universitas Sumatera Utara
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
12,928,742
12,928,742
0
100
142,637,071
64,717,462
1,849,845
102,108,984
3,261,532
142,637,071
64,717,462
1,849,845
102,108,984
3,261,532
0
0
0
0
0
96.5
73,582,319
31,940,369
1,119,968
50,589,480
1,106,514
70,993,135
30,816,464
806,494
50,589,480
1,347,005
-3.52
-3.52
-27.99
0
21.73
95
113,864,875
48,060,809
2,539,450
75,090,482
2,773,386
108,167,254
45,655,921
1,572,320
75,090,482
2,773,386
-5.0
-5.0
-38.08
0
0
100
105,424,496
37,865,914
549,327
57,525,466
1,502,270
105,424,496
37,865,914
549,327
57,525,466
1,502,270
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 19
Tabel Efisiensi Bank Umum Syariah Tahun 2010
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
100
21,442,596
2,547,365
253,263
7,501,327
238,431
21,442,596
2,547,365
253,263
7,501,327
238,431
0
0
0
0
0
70.8
2,193,952
270,085
41,843
543,491
14,373
1,553,572
184,563
18,,349
543,491
17,274
-29.19
-31.66
-56.15
0
20.19
100
4,637,730
1,182,822
293,340
149,474
85,411
4,637,730
1,182,822
293,340
149,474
85,411
0
0
0
0
0
55.4
6,856,386
1,054,006
189,999
1,328,992
9,052
3,798,932
451,310
44,869
1,328,992
42,242
-44.59
-57.18
-76.38
0
366.6
100
32,481,873
4,174,664
622,679
8,715,920
565,098
32,481,873
4,174,664
622,679
8,715,920
565,098
0
0
0
0
0
Efisiensi
(%)
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 20
Tabel Efisiensi Bank Umum Konvensional Tahun 2011
Bank
Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Actual
Target
potential
improvement
(%)
100
89,121,459
31,027,400
892,833
59,337,756
1,525,748
89,121,459
31,027,400
892,833
59,337,756
1,525,748
0
0
0
0
0
100
377,250,966
74,418,152
4,843,453
202,268,608
12,908,515
377,250,966
74,418,152
4,843,453
202,268,608
12,908,515
0
0
0
0
0
90.3
288,511,901
80,845,197
4,704,523
158,164,743
7,182,546
260,574,669
73,016,781
3,099,251
158,164,743
7,182,546
-9,68
-9,68
-34,12
0
0
94.2
90,740,977
39,988,171
1,386,973
62,574,123
705,425
85,433,166
36,645,863
1,045,889
62,574,123
2,126,899
-5,85
-8,36
-24,59
0
201,51
100
456,531,093
144,095,184
7,897,905
283,586,497
17,610,989
456,531,093
144,095,184
7,897,905
283,586,497
17,610,989
0
0
0
0
0
489,106,664
141,994,836
5,097,336
273,962,101
489,106,664
141,994,836
5,097,336
273,962,101
0
0
0
0
Efisiensi
(%)
100
Universitas Sumatera Utara
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
14,547,992
14,547,992
0
100
164,137,582
70,405,483
2,009,404
120,219,882
4,086,283
164,137,582
70,405,483
2,009,404
120,219,882
4,086,283
0
0
0
0
0
88.6
101,534,393
46,749,995
1,399,186
65,859,107
1,283,470
89,918,193
38,569,678
1,100,795
65,859,107
2,238,566
-11,44
-17,50
-21,33
0
74,41
97.02
127,183,116
50,746,696
2,684,640
86,699,835
3,556,351
123,673,593
49,094,223
1,690,547
86,699,835
3,556,351
-2,76
-3,26
-37,03
0
0
100
118,261,916
37,519,535
724,734
70,793,812
2,219,356
118,261,916
37,519,535
724,734
70,793,812
2,219,356
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 21
Tabel Efisiensi Bank Umum Syariah Tahun 2011
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
100
32,479,506
3,346,766
410,355
9,902,213
383,619
32,479,506
3,346,766
410,355
9,902,213
383,619
0
0
0
0
0
76
2,730,027
309,871
44,229
632,574
15,093
2,074,858
213,798
26,214
632,574
24,506
-24
-31
-40,73
0
62,37
87.1
5,565,724
1,618,691
310,735
72,540
73,846
4,846,292
507,397
96,073
992,013
73,846
-12,93
-68,65
-69,08
1.265,54
0
51.5
11,200,823
1,902,555
302,475
1,760,141
5,071
5,773,306
594,895
72,941
1,760,141
68,189
-48,46
-68,73
-75,89
0
1.224,69
48,671,950
48,671,950
0
5,095,863
964,882
9,962,919
741,645
5,095,863
964,882
9,962,919
741,645
0
0
0
0
Efisiensi
(%)
100
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 22
Tabel Efisiensi Bank Umum Konvensional Tahun 2012
Bank
Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Efisiensi
(%)
Actual
Target
potential
improvement (%)
111,748,593
41,541,453
978,390
75,410,705
1,865,192
111,748,593
41,541,453
978,390
75,410,705
1,865,192
0
0
0
0
0
436,795,410
436,795,410
0
73,016,169
5,735,210
256,713,553
14,357,364
73,016,169
5,735,210
256,713,553
14,357,364
0
0
0
0
91.6
321,534,240
80,788,084
5,129,161
193,016,854
8,343,813
294,617,823
74,025,116
4,579,198
193,016,854
8,343,813
-8.37
-8.37
-10.72
0
0
100
111,161,003
18,766,047
1,654,284
74,318,621
1,222,269
111,161,003
18,766,047
1,654,284
74,318,621
1,222,269
0
0
0
0
0
535,209,156
174,702,342
8,730,000
535,209,156
174,702,342
8,730,000
0
0
0
348,231,964
348,231,964
0
22,476,323
22,476,323
0
563,105,056
144,844,747
6,193,255
339,973,690
17,308,235
563,105,056
144,844,747
6,193,255
339,973,690
17,308,235
0
0
0
0
0
100
100
100
100
Universitas Sumatera Utara
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
100
192,612,817
80,136,112
2,569,521
133,708,004
5,508,046
192,612,817
80,136,112
2,569,521
133,708,004
5,508,046
0
0
0
0
0
94.7
132,130,006
56,504,744
1,850,142
86,955,200
1,762,027
125,176,915
51,731,896
1,752,781
86,955,200
3,626,190
-5.26
-8.45
-5.26
0
105.8
100
130,474,521
48,707,460
3,069,852
91,532,966
4,478,088
130,474,521
48,707,460
3,069,852
91,532,966
4,478,088
0
0
0
0
0
100
141,450,516
38,834,008
934,252
91,765,984
2,505,512
141,450,516
38,834,008
934,252
91,765,984
2,505,512
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 23
Tabel Efisiensi Bank Umum Syariah Tahun 2012
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
44,854,413
5,949,863
546,875
15,045,617
524,526
44,854,413
5,949,863
546,875
15,045,617
524,526
0
0
0
0
0
3,616,108
2,478,184
413,346
51,390
831,263
26,161
328,727
30,214
831,263
28,979
-31.47
-20.47
-41.21
0
10.77
100
8,164,921
1,664,319
324,834
36,351
246,934
8,164,921
1,664,319
324,834
36,351
246,934
0
0
0
0
0
65
14,088,914
2,360,278
323,383
2,663,262
131,035
9,151,045
1,221,178
127,973
2,663,262
131,035
-35.05
-48.26
-60.43
0
0
100
54,229,396
7,332,436
973,160
10,462,107
1,091,102
54,229,396
7,332,436
973,160
10,462,107
1,091,102
0
0
0
0
0
Efisiensi
(%)
100
79.5
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 24
Tabel Efisiensi Bank Umum Konvensional Tahun 2013
Bank Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Actual
Target
potential
improvement
(%)
100
131,169,730
48,275,905
1,161,101
92,386,308
2,135,909
131,169,730
48,275,905
1,161,101
92,386,308
2,135,909
0
0
0
0
0
100
488,498,242
86,610,366
6,338,511
312,380,146
16,984,654
488,498,242
86,610,366
6,338,511
312,380,146
16,984,654
0
0
0
0
0
95.5
370,716,158
87,145,146
5,405,324
239,363,451
10,975,031
353,875,366
83,186,340
5,159,772
239,363,451
10,975,031
-4.54
-4.54
-4.54
0
0
100
134,445,720
24,588,363
1,750,425
92,062,035
1,738,055
134,445,720
24,588,363
1,750,425
92,062,035
1,738,055
0
0
0
0
0
100
606,370,242
198,345,998
11,202,859
430,621,874
25,864,852
606,370,242
198,345,998
11,202,859
430,621,874
25,864,852
0
0
0
0
0
648,250,177
169,338,524
7,163,504
648,250,177
169,338,524
7,163,504
0
0
0
416,978,030
416,978,030
0
Efisiensi
(%)
100
Universitas Sumatera Utara
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
21,304,334
21,304,334
0
96.1
211,427,283
87,580,836
2,886,279
143,751,378
5,647,478
203,257,584
70,657,311
2,774,751
143,751,378
5,983,008
-3.86
-19.32
-3.86
0
5.94
91.5
165,542,733
79,164,847
1,998,942
106,980,019
1,994,105
151,469,403
53,670,172
1,829,005
106,980,019
3,804,348
-8.50
-32.20
-8.50
0
90.78
152,021,037
57,159,885
3,459,648
103,895,851
146,298,541
47,854,806
2,702,906
103,895,851
-3.76
-16.28
-21.87
0
3,678,886
6,240,395
69.63
154,128,770
44,638,997
1,167,174
103,045,656
2,666,596
154,128,770
44,638,997
1,167,174
103,045,656
2,666,596
0
0
0
0
0
96.2
100
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 25
Tabel Efisiensi Bank Umum Syariah Tahun 2013
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
54,694,021
6,295,093
754,059
21,240,407
708,677
54,694,021
6,295,093
754,059
21,240,407
708,677
0
0
0
0
0
4,343,069
425,867
62,577
1,092,737
2,813,796
323,858
38,793
1,092,737
30,959
36,458
-35.21
-23.95
-38.01
0
17.76
100
9,121,575
1,284,557
362,352
43,593
181,451
9,121,575
1,284,557
362,352
43,593
181,451
0
0
0
0
0
72.8
17,400,914
3,151,441
400,267
4,050,478
179,740
12,662,206
1,515,526
233,192
4,050,478
179,740
-27.23
-51.91
-41.74
0
0
95.9
63,965,361
9,115,337
1,192,403
11,113,224
874,903
61,374,539
7,359,550
1,144,106
19,428,768
874,903
-4.05
-19.26
-4.05
74.83
0
Efisiensi
(%)
100
76
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Input dan Output Bank Umum Konvensional (BUK) Tahun 2008
(Dalam Jutaan)
Bank Umum
Konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total Aset
Simpanan
44,992,171 21,220,416
224,729,251 52,967,094
200,390,507 67,307,399
53,790,638 25,906,881
246,026,225 73,519,757
338,404,265 117,047,354
Biaya Tenaga
Kerja
Kredit/Pembiayaan
613,321
32,025,231
3,200,928
112,846,634
3,220,991
108,896,144
938,331
35,057,139
6,317,638
161,061,059
4,095,663
159,007,051
Laba
Operasional
669,834
7,605,119
1,892,014
81,994
8,347,565
7,752,840
102,604,732
53,959,827
47,913,468
26,366,090
1,666,471
922,019
74,489,148
34,850,805
1,287,308
605,485
104,821,926
62,772,547
54,214,672
29,445,332
2,270,214
375,589
64,233,906
36,868,879
2,012,992
948,123
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 2
Input dan Output Bank Umum Syariah (BUS) Tahun 2008
(Dalam Jutaan)
Bank Umum
Syariah
Bank Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total Aset Simpanan
12,610,853 805,783
606,055
18,560
3,096,201
654,701
1,466,762
77,365
17,065,938 1,850,684
Biaya Tenaga
Kerja
145,219
12,026
88,912
68,022
294,252
Kredit/Pembiayaan
5,020,760
132,824
135,521
233,400
5,542,033
Laba
Operasional
300,692
1,442
23,581
4,084
279,940
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 3
Input dan Output Bank Umum Konvensional (BUK) Tahun 2009
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
58,516,058 23,909,718
280,817,308 65,006,963
225,541,328 82,609,539
58,701,483 26,645,710
314,745,744 100,034,299
370,310,994 123,409,519
Biaya tenaga
kerja
695,713
4,061,935
3,336,683
977,340
6,585,617
4,205,057
Kredit/pembiayaan
40,732,954
123,596,037
117,644,695
37,047,434
205,522,394
179,687,845
Laba
operasional
739,444
8,404,158
3,347,581
358,591
8,569,748
10,312,469
106,803,360
55,900,751
46,884,622
25,115,277
1,906,029
1,131,892
82,970,368
41,201,583
2,178,850
736,650
96,630,214
76,075,202
44,842,744
30,571,763
2,102,538
456,547
59,832,098
43,196,490
2,242,686
1,229,317
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 4
Input dan Output Bank Umum Syariah (BUS) Tahun 2009
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
16,064,093
1,974,948
4,381,991
3,178,386
22,036,535
1,245,352
243,798
996,778
443,097
2,681,018
200,805
20,861
188,979
90,176
395,188
Kredit/pembiayaan
Laba
operasional
5,996,216
323,227
193,926
771,230
6,519,744
77,565
2,886
83,394
7,127
410,384
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 5
Input dan Output Bank Umum Konvensional (BUK) Tahun 2010
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
68,385,539 29,513,925
320,585,907 67,987,209
240,293,481 77,361,996
71,579,977 35,445,946
398,393,138 126,309,586
406,000,854 144,710,102
Biaya tenaga
kerja
762,897
4,241,720
3,817,770
137,429
8,104,779
4,552,606
Kredit/pembiayaan
48,702,920
153,965,023
132,852,979
49,695,623
246,968,128
219,032,483
Laba
operasional
1,263,720
9,914,319
5,461,937
475,353
14,407,492
12,928,742
142,637,071
73,582,319
64,717,462
31,940,369
1,849,845
1,119,968
102,108,984
50,589,480
3,261,532
1,106,514
113,864,875
105,424,496
48,060,809
37,865,914
2,539,450
549,327
75,090,482
57,525,466
2,773,386
1,502,270
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 6
Input dan Output Bank Umum Syariah (BUS) Tahun 2010
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
Kredit/pembiayaan
Laba
operasional
21,442,596
2,193,952
4,637,730
6,856,386
32,481,873
2,547,365
270,085
1,182,822
1,054,006
4,174,664
253,263
41,843
293,340
189,999
622,679
7,501,327
543,491
149,474
1,328,992
8,715,920
238,431
14,373
85,411
9,052
565,098
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 7
Input dan Output Bank Umum Konvensional (BUK) Tahun 2011
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
89,121,459 31,027,400
377,250,966 74,418,152
288,511,901 80,845,197
90,740,977 39,988,171
456,531,093 144,095,184
489,106,664 141,994,836
Biaya tenaga
kerja
892,833
4,843,453
4,704,523
1,386,973
7,897,905
5,097,336
Kredit/pembiayaan
59,337,756
202,268,608
158,164,743
62,574,123
283,586,497
273,962,101
Laba
operasional
1,525,748
12,908,515
7,182,546
705,425
17,610,989
14,547,992
164,137,582
101,534,393
70,405,483
46,749,995
2,009,404
1,399,186
120,219,882
65,859,107
4,086,283
1,283,470
127,183,116
118,261,916
50,746,696
37,519,535
2,684,640
724,734
86,699,835
70,793,812
3,556,351
2,219,356
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 8
Input dan Output Bank Umum Syariah (BUS) Tahun 2011
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
32,479,506
2,730,027
5,565,724
11,200,823
48,671,950
3,346,766
309,871
1,618,691
1,902,555
5,095,863
410,355
44,229
310,735
302,475
964,882
Kredit/pembiayaan
Laba
operasional
9,902,213
632,574
72,540
1,760,141
9,962,919
383,619
15,093
73,846
5,071
741,645
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 9
Input dan Output Bank Umum Konvensional (BUK) Tahun 2012
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Total aset
Simpanan
111,748,593 41,541,453
436,795,410 73,016,169
321,534,240 80,788,084
111,161,003 18,766,047
535,209,156 174,702,342
563,105,056 144,844,747
Biaya tenaga
kerja
978,390
5,735,210
5,129,161
1,654,284
8,730,000
6,193,255
Kredit/pembiayaan
75,410,705
256,713,553
193,016,854
74,318,621
348,231,964
339,973,690
Laba
operasional
1,865,192
14,357,364
8,343,813
1,222,269
22,476,323
17,308,235
192,612,817
132,130,006
80,136,112
56,504,744
2,569,521
1,850,142
133,708,004
86,955,200
5,508,046
1,762,027
130,474,521
141,450,516
48,707,460
38,834,008
3,069,852
934,252
91,532,966
91,765,984
4,478,088
2,505,512
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 10
Input dan Output Bank Umum Syariah (BUS) Tahun 2012
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
Kredit/pembiayaan
Laba
operasional
44,854,413
3,616,108
8,164,921
14,088,914
54,229,396
5,949,863
413,346
1,664,319
2,360,278
7,332,436
546,875
51,390
324,834
323,383
973,160
15,045,617
831,263
36,351
2,663,262
10,462,107
524,526
26,161
246,934
131,035
1,091,102
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 11
Input dan Output Bank Umum Konvensional (BUK) Tahun 2013
(Dalam Jutaan)
Bank umum
konvensional
Bank BTN
Bank BCA
Bank BNI
Bank BII
Bank BRI
Bank Mandiri
Bank CIMB
Niaga
Bank Permata
Bank
Danamon
Bank Panin
Biaya tenaga
kerja
1,161,101
6,338,511
5,405,324
Kredit/pembiayaan
92,386,308
312,380,146
239,363,451
Laba
operasional
2,135,909
16,984,654
10,975,031
134,445,720 24,588,363
606,370,242 198,345,998
648,250,177 169,338,524
1,750,425
11,202,859
7,163,504
92,062,035
430,621,874
416,978,030
1,738,055
25,864,852
21,304,334
211,427,283
165,542,733
87,580,836
79,164,847
2,886,279
1,998,942
143,751,378
106,980,019
5,647,478
1,994,105
152,021,037
154,128,770
57,159,885
44,638,997
3,459,648
1,167,174
103,895,851
103,045,656
3,678,886
2,666,596
Total aset
131,169,730
488,498,242
370,716,158
Simpanan
48,275,905
86,610,366
87,145,146
Sumber: Statistik Perbankan Indonesia (data diolah)
Lampiran 12
Input dan Output Bank Umum Syariah (BUS) Tahun 2013
(Dalam Jutaan)
Bank umum
syariah
Bank
Muamalat
Bank Bukopin
Bank Mega
Bank BRI
Bank Mandiri
Total aset
Simpanan
Biaya tenaga
kerja
Kredit/pembiayaan
Laba
operasional
54,694,021
4,343,069
9,121,575
17,400,914
63,965,361
6,295,093
425,867
1,284,557
3,151,441
9,115,337
754,059
62,577
362,352
400,267
1,192,403
21,240,407
1,092,737
43,593
4,050,478
11,113,224
708,677
30,959
181,451
179,740
874,903
Sumber: Statistik Perbankan Indonesia (data diolah)
Universitas Sumatera Utara
Lampiran 13
Nilai efisiensi Bank Umum Konvensional dan Bank Umum Syariah
Tahun 2008-2013
Menggunakan Metode DEA
Nama Bank
BTN Konvensional
BCA Konvensional
BNI Konvensional
BII Konvensional
BRI Konvensional
Mandiri Konvensional
CIMB Niaga
Konvensional
Permata Konvensional
Danamon konvensional
Panin Konvensional
Rata-rata Efisiensi
muamalat Syariah
Bukopin Syariah
Mega Syariah
BRI Syariah
Mandiri Syariah
Rata-rata Efisiensi
2008
100
100
89
89.9
100
85.5
2009
100
100
79.1
83
100
100
tahun
2010
100
100
90.7
100
100
100
100
89
88.2
100
94.16
100
100
31.9
47.1
81.6
72.12
100
94.9
90.7
100
94.77
100
51.9
100
65
100
83.38
100
96.5
95
100
98.22
100
70.8
100
55.4
100
85.24
2011
100
100
90.3
94.2
100
100
2012
100
100
91.6
100
100
100
2013
100
100
95.5
100
100
100
100
88.6
97.02
100
97.01
100
76
87.1
51.5
100
82.92
100
94.7
100
100
98.63
100
79.5
100
65
100
88.9
96.1
91.5
96.2
100
97.93
100
76
100
72.8
95.9
88.94
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 14
Tabel Efisiensi Bank Umum Konvensional Tahun 2008
Bank
Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Efisiensi
(%)
100
100
89
89.8
100
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
85.5
Actual
Target
potential
improvement
(%)
44,992,171
21,220,416
613,321
32,025,231
669,834
44,992,171
21,220,416
613,321
32,025,231
669,834
0
0
0
0
0
224,729,251
52,967,094
3,200,928
112,846,634
7,605,119
224,729,251
52,967,094
3,200,928
112,846,634
7,605,119
0
0
0
0
0
200,390,507
67,307,399
3,220,991
108,896,144
1,892,014
178,948,106
60,105,300
2,876,335
108,896,144
4,782,050
-10.70
-10.70
-10.70
0
152.75
53,790,638
25,906,881
938,331
35,057,139
81,994
48,289,293
22,549,715
784,291
35,057,139
605,851
-10.23
-12.96
-16.42
0
638.90
246,026,225
73,519,757
246,026,225
73,519,757
0
0
6,317,638
161,061,059
8,347,565
6,317,638
161,061,059
8,347,565
0
0
0
338,404,265
117,047,354
289,329,571
93,578,750
-14.50
-20.05
-14.50
Universitas Sumatera Utara
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
4,095,663
159,007,051
7,752,840
3,501,718
159,007,051
7,752,840
0
0
0
102,604,732
47,913,468
1,666,471
74,489,148
1,287,308
102,604,732
47,913,468
1,666,471
74,489,148
1,287,308
0
0
0
0
0
53,959,827
26,366,090
922,019
34,850,805
605,485
48,018,981
22,399,698
781,243
34,850,805
605,485
-11.01
-15.04
-15.27
0
0
104,821,926
54,214,672
2,270,214
64,233,906
2,012,992
92,401,406
36,435,959
1,877,513
64,233,906
2,012,992
-11.85
-32.79
-17.30
0
0
62,772,547
29,445,332
375,589
36,868,879
62,772,547
29,445,332
375,589
36,868,879
0
0
0
0
Laba Operasional
948,123
948,123
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
0
100
89
88.2
100
Universitas Sumatera Utara
Lampiran 15
Tabel Efisiensi Bank Umum Syariah Tahun 2008
Efisiensi
(%)
Actual
Target
Bank Syariah
Bank Muamalat
12,610,853
12,610,853
Total Aset
805,783
805,783
Simpanan
100
145,219
145,219
Biaya Tenaga Kerja
5,020,760
5,020,760
Kredit
300,692
300,692
Laba Operasional
Bank Bukopin
606,055
606,055
Total Aset
18,560
18,560
Simpanan
100
12,026
12,026
Biaya Tenaga Kerja
132,824
132,824
Kredit
1,442
1,442
Laba Operasional
Bank Mega
3,096,201
998,973
Total Aset
654,701
63,191
Simpanan
31.9
88,912
11,388
Biaya Tenaga Kerja
135,521
393,740
Kredit
23,581
23,581
Laba Operasional
Bank BRI
1,466,762
690,223
Total Aset
77,365
36,406
Simpanan
47.1
68,022
9,874
Biaya Tenaga Kerja
233,400
233,400
Kredit
4,084
11,492
Laba Operasional
Bank Mandiri
17,065,938
13,920,156
Total Aset
1,850,684
889,442
Simpanan
81.6
294,252
160,296
Biaya Tenaga Kerja
5,542,033
5,542,033
Kredit
279,940
331,910
Laba Operasional
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
potential
improvement
(%)
0
0
0
0
0
0
0
0
0
0
-68.06
-90.35
-87.19
190.54
0
-52.94
-52.94
-85.48
0
181.40
-18.43
-51.94
-87.19
0
18.57
Universitas Sumatera Utara
Lampiran 16
Tabel Efisiensi Bank Umum Konvensional Tahun 2009
Bank Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Actual
Target
potential
improvement
(%)
100
58,516,058
23,909,718
695,713
40,732,954
739,444
58,516,058
23,909,718
695,713
40,732,954
739,444
0
0
0
0
0
100
280,817,308
65,006,963
4,061,935
123,596,037
8,404,158
280,817,308
65,006,963
4,061,935
123,596,037
8,404,158
0
0
0
0
0
79.1
225,541,328
82,609,539
3,336,683
117,644,695
3,347,581
178,439,745
65,357,534
2,639,857
117,644,695
-20.88
-20.88
-20.88
0
3,347,581
0
83
58,701,483
26,645,710
977,340
37,047,434
358,591
48,706,429
21,083,893
810,929
37,047,434
917,662
-17.03
-20.87
-17.03
0
155.91
100
314,745,744
100,034,299
6,585,617
205,522,394
8,569,748
314,745,744
100,034,299
6,585,617
205,522,394
8,569,748
0
0
0
0
0
370,310,994
123,409,519
4,205,057
370,310,994
123,409,519
4,205,057
0
0
0
Efisiensi
(%)
100
Universitas Sumatera Utara
Kredit
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
179,687,845
10,312,469
179,687,845
10,312,469
0
0
100
106,803,360
46,884,622
1,906,029
82,970,368
2,178,850
106,803,360
46,884,622
1,906,029
82,970,368
2,178,850
0
0
0
0
0
94.9
55,900,751
25,115,277
1,131,892
41,201,583
736,650
53,036,615
23,282,054
946,499
41,201,583
1,081,977
-5.12
-7.30
-16.38
0
46.88
90.7
96,630,214
44,842,744
2,102,538
59,832,098
2,242,686
87,640,548
30,401,932
1,769,047
59,832,098
2,242,686
-9.30
-32.20
-15.86
0
0
100
76,075,202
30,571,763
456,547
43,196,490
1,229,317
76,075,202
30,571,763
456,547
43,196,490
1,229,317
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 17
Tabel Efisiensi Bank Umum Syariah Tahun 2009
Efisiensi
(%)
Bank Syariah
Actual
Target
Bank Muamalat
Total Aset
16,064,093 16,064,093
Simpanan
1,245,352
1,245,352
Biaya
Tenaga
100
200,805
200,805
Kerja
Kredit
5,996,216
5,996,216
Laba Operasional
77,565
77,565
Bank Bukopin
Total Aset
1,974,948
865,937
Simpanan
243,798
67,130
Biaya
Tenaga
Kerja
51.9
20,861
10,824
Kredit
323,227
323,227
Laba Operasional
2,886
4,181
Bank Mega
Total Aset
4,381,991
4,381,991
Simpanan
996,778
996,778
Biaya
Tenaga
100
188,979
188,979
Kerja
Kredit
193,926
193,926
Laba Operasional
83,394
83,394
Bank BRI
Total Aset
3,178,386
2,066,154
Simpanan
443,097
160,176
Biaya
Tenaga
65
90,176
25,827
Kerja
Kredit
771,230
771,230
Laba Operasional
7,127
9,976
Bank Mandiri
Total Aset
22,036,535 22,036,535
Simpanan
2,681,018
2,681,018
Biaya
Tenaga
100
395,188
395,188
Kerja
Kredit
6,519,744
6,519,744
Laba Operasional
410,384
410,384
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
potential
improvement
(%)
0
0
0
0
0
-56.15
-72.46
-48.11
0
44.88
0
0
0
0
0
-34.99
-63.85
-71.36
0
39.98
0
0
0
0
0
Universitas Sumatera Utara
Lampiran 18
Tabel Efisiensi Bank Umum Konvensional Tahun 2010
Bank Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Actual
Target
potential
improvement
(%)
100
68,385,539
29,513,925
762,897
48,702,920
1,263,720
68,385,539
29,513,925
762,897
48,702,920
1,263,720
0
0
0
0
0
100
320,585,907
67,987,209
4,241,720
153,965,023
9,914,319
320,585,907
67,987,209
4,241,720
153,965,023
9,914,319
0
0
0
0
0
240,293,481
77,361,996
3,817,770
217,987,092
70,180,499
3,463,367
-9.28
-9.28
-9.28
132,852,979
5,461,937
132,852,979
6,495,604
0
18.92
100
71,579,977
35,445,946
137,429
49,695,623
475,353
71,579,977
35,445,946
137,429
49,695,623
475,353
0
0
0
0
0
100
398,393,138
126,309,586
8,104,779
246,968,128
14,407,492
398,393,138
126,309,586
8,104,779
246,968,128
14,407,492
0
0
0
0
0
406,000,854
144,710,102
4,552,606
219,032,483
406,000,854
144,710,102
4,552,606
219,032,483
0
0
0
0
Efisiensi
(%)
90.7
100
Universitas Sumatera Utara
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
12,928,742
12,928,742
0
100
142,637,071
64,717,462
1,849,845
102,108,984
3,261,532
142,637,071
64,717,462
1,849,845
102,108,984
3,261,532
0
0
0
0
0
96.5
73,582,319
31,940,369
1,119,968
50,589,480
1,106,514
70,993,135
30,816,464
806,494
50,589,480
1,347,005
-3.52
-3.52
-27.99
0
21.73
95
113,864,875
48,060,809
2,539,450
75,090,482
2,773,386
108,167,254
45,655,921
1,572,320
75,090,482
2,773,386
-5.0
-5.0
-38.08
0
0
100
105,424,496
37,865,914
549,327
57,525,466
1,502,270
105,424,496
37,865,914
549,327
57,525,466
1,502,270
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 19
Tabel Efisiensi Bank Umum Syariah Tahun 2010
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
100
21,442,596
2,547,365
253,263
7,501,327
238,431
21,442,596
2,547,365
253,263
7,501,327
238,431
0
0
0
0
0
70.8
2,193,952
270,085
41,843
543,491
14,373
1,553,572
184,563
18,,349
543,491
17,274
-29.19
-31.66
-56.15
0
20.19
100
4,637,730
1,182,822
293,340
149,474
85,411
4,637,730
1,182,822
293,340
149,474
85,411
0
0
0
0
0
55.4
6,856,386
1,054,006
189,999
1,328,992
9,052
3,798,932
451,310
44,869
1,328,992
42,242
-44.59
-57.18
-76.38
0
366.6
100
32,481,873
4,174,664
622,679
8,715,920
565,098
32,481,873
4,174,664
622,679
8,715,920
565,098
0
0
0
0
0
Efisiensi
(%)
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 20
Tabel Efisiensi Bank Umum Konvensional Tahun 2011
Bank
Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Actual
Target
potential
improvement
(%)
100
89,121,459
31,027,400
892,833
59,337,756
1,525,748
89,121,459
31,027,400
892,833
59,337,756
1,525,748
0
0
0
0
0
100
377,250,966
74,418,152
4,843,453
202,268,608
12,908,515
377,250,966
74,418,152
4,843,453
202,268,608
12,908,515
0
0
0
0
0
90.3
288,511,901
80,845,197
4,704,523
158,164,743
7,182,546
260,574,669
73,016,781
3,099,251
158,164,743
7,182,546
-9,68
-9,68
-34,12
0
0
94.2
90,740,977
39,988,171
1,386,973
62,574,123
705,425
85,433,166
36,645,863
1,045,889
62,574,123
2,126,899
-5,85
-8,36
-24,59
0
201,51
100
456,531,093
144,095,184
7,897,905
283,586,497
17,610,989
456,531,093
144,095,184
7,897,905
283,586,497
17,610,989
0
0
0
0
0
489,106,664
141,994,836
5,097,336
273,962,101
489,106,664
141,994,836
5,097,336
273,962,101
0
0
0
0
Efisiensi
(%)
100
Universitas Sumatera Utara
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
14,547,992
14,547,992
0
100
164,137,582
70,405,483
2,009,404
120,219,882
4,086,283
164,137,582
70,405,483
2,009,404
120,219,882
4,086,283
0
0
0
0
0
88.6
101,534,393
46,749,995
1,399,186
65,859,107
1,283,470
89,918,193
38,569,678
1,100,795
65,859,107
2,238,566
-11,44
-17,50
-21,33
0
74,41
97.02
127,183,116
50,746,696
2,684,640
86,699,835
3,556,351
123,673,593
49,094,223
1,690,547
86,699,835
3,556,351
-2,76
-3,26
-37,03
0
0
100
118,261,916
37,519,535
724,734
70,793,812
2,219,356
118,261,916
37,519,535
724,734
70,793,812
2,219,356
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 21
Tabel Efisiensi Bank Umum Syariah Tahun 2011
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
100
32,479,506
3,346,766
410,355
9,902,213
383,619
32,479,506
3,346,766
410,355
9,902,213
383,619
0
0
0
0
0
76
2,730,027
309,871
44,229
632,574
15,093
2,074,858
213,798
26,214
632,574
24,506
-24
-31
-40,73
0
62,37
87.1
5,565,724
1,618,691
310,735
72,540
73,846
4,846,292
507,397
96,073
992,013
73,846
-12,93
-68,65
-69,08
1.265,54
0
51.5
11,200,823
1,902,555
302,475
1,760,141
5,071
5,773,306
594,895
72,941
1,760,141
68,189
-48,46
-68,73
-75,89
0
1.224,69
48,671,950
48,671,950
0
5,095,863
964,882
9,962,919
741,645
5,095,863
964,882
9,962,919
741,645
0
0
0
0
Efisiensi
(%)
100
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 22
Tabel Efisiensi Bank Umum Konvensional Tahun 2012
Bank
Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Efisiensi
(%)
Actual
Target
potential
improvement (%)
111,748,593
41,541,453
978,390
75,410,705
1,865,192
111,748,593
41,541,453
978,390
75,410,705
1,865,192
0
0
0
0
0
436,795,410
436,795,410
0
73,016,169
5,735,210
256,713,553
14,357,364
73,016,169
5,735,210
256,713,553
14,357,364
0
0
0
0
91.6
321,534,240
80,788,084
5,129,161
193,016,854
8,343,813
294,617,823
74,025,116
4,579,198
193,016,854
8,343,813
-8.37
-8.37
-10.72
0
0
100
111,161,003
18,766,047
1,654,284
74,318,621
1,222,269
111,161,003
18,766,047
1,654,284
74,318,621
1,222,269
0
0
0
0
0
535,209,156
174,702,342
8,730,000
535,209,156
174,702,342
8,730,000
0
0
0
348,231,964
348,231,964
0
22,476,323
22,476,323
0
563,105,056
144,844,747
6,193,255
339,973,690
17,308,235
563,105,056
144,844,747
6,193,255
339,973,690
17,308,235
0
0
0
0
0
100
100
100
100
Universitas Sumatera Utara
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
100
192,612,817
80,136,112
2,569,521
133,708,004
5,508,046
192,612,817
80,136,112
2,569,521
133,708,004
5,508,046
0
0
0
0
0
94.7
132,130,006
56,504,744
1,850,142
86,955,200
1,762,027
125,176,915
51,731,896
1,752,781
86,955,200
3,626,190
-5.26
-8.45
-5.26
0
105.8
100
130,474,521
48,707,460
3,069,852
91,532,966
4,478,088
130,474,521
48,707,460
3,069,852
91,532,966
4,478,088
0
0
0
0
0
100
141,450,516
38,834,008
934,252
91,765,984
2,505,512
141,450,516
38,834,008
934,252
91,765,984
2,505,512
0
0
0
0
0
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis.
Universitas Sumatera Utara
Lampiran 23
Tabel Efisiensi Bank Umum Syariah Tahun 2012
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
44,854,413
5,949,863
546,875
15,045,617
524,526
44,854,413
5,949,863
546,875
15,045,617
524,526
0
0
0
0
0
3,616,108
2,478,184
413,346
51,390
831,263
26,161
328,727
30,214
831,263
28,979
-31.47
-20.47
-41.21
0
10.77
100
8,164,921
1,664,319
324,834
36,351
246,934
8,164,921
1,664,319
324,834
36,351
246,934
0
0
0
0
0
65
14,088,914
2,360,278
323,383
2,663,262
131,035
9,151,045
1,221,178
127,973
2,663,262
131,035
-35.05
-48.26
-60.43
0
0
100
54,229,396
7,332,436
973,160
10,462,107
1,091,102
54,229,396
7,332,436
973,160
10,462,107
1,091,102
0
0
0
0
0
Efisiensi
(%)
100
79.5
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 24
Tabel Efisiensi Bank Umum Konvensional Tahun 2013
Bank Konvensional
Bank BTN
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BCA
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BNI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BII
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Actual
Target
potential
improvement
(%)
100
131,169,730
48,275,905
1,161,101
92,386,308
2,135,909
131,169,730
48,275,905
1,161,101
92,386,308
2,135,909
0
0
0
0
0
100
488,498,242
86,610,366
6,338,511
312,380,146
16,984,654
488,498,242
86,610,366
6,338,511
312,380,146
16,984,654
0
0
0
0
0
95.5
370,716,158
87,145,146
5,405,324
239,363,451
10,975,031
353,875,366
83,186,340
5,159,772
239,363,451
10,975,031
-4.54
-4.54
-4.54
0
0
100
134,445,720
24,588,363
1,750,425
92,062,035
1,738,055
134,445,720
24,588,363
1,750,425
92,062,035
1,738,055
0
0
0
0
0
100
606,370,242
198,345,998
11,202,859
430,621,874
25,864,852
606,370,242
198,345,998
11,202,859
430,621,874
25,864,852
0
0
0
0
0
648,250,177
169,338,524
7,163,504
648,250,177
169,338,524
7,163,504
0
0
0
416,978,030
416,978,030
0
Efisiensi
(%)
100
Universitas Sumatera Utara
Laba Operasional
Bank CIMB Niaga
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Permata
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
bank Danamon
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Panin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
21,304,334
21,304,334
0
96.1
211,427,283
87,580,836
2,886,279
143,751,378
5,647,478
203,257,584
70,657,311
2,774,751
143,751,378
5,983,008
-3.86
-19.32
-3.86
0
5.94
91.5
165,542,733
79,164,847
1,998,942
106,980,019
1,994,105
151,469,403
53,670,172
1,829,005
106,980,019
3,804,348
-8.50
-32.20
-8.50
0
90.78
152,021,037
57,159,885
3,459,648
103,895,851
146,298,541
47,854,806
2,702,906
103,895,851
-3.76
-16.28
-21.87
0
3,678,886
6,240,395
69.63
154,128,770
44,638,997
1,167,174
103,045,656
2,666,596
154,128,770
44,638,997
1,167,174
103,045,656
2,666,596
0
0
0
0
0
96.2
100
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara
Lampiran 25
Tabel Efisiensi Bank Umum Syariah Tahun 2013
Bank Syariah
Bank Muamalat
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Bukopin
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mega
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank BRI
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Bank Mandiri
Total Aset
Simpanan
Biaya Tenaga Kerja
Kredit
Laba Operasional
Actual
Target
potential
improvement
(%)
54,694,021
6,295,093
754,059
21,240,407
708,677
54,694,021
6,295,093
754,059
21,240,407
708,677
0
0
0
0
0
4,343,069
425,867
62,577
1,092,737
2,813,796
323,858
38,793
1,092,737
30,959
36,458
-35.21
-23.95
-38.01
0
17.76
100
9,121,575
1,284,557
362,352
43,593
181,451
9,121,575
1,284,557
362,352
43,593
181,451
0
0
0
0
0
72.8
17,400,914
3,151,441
400,267
4,050,478
179,740
12,662,206
1,515,526
233,192
4,050,478
179,740
-27.23
-51.91
-41.74
0
0
95.9
63,965,361
9,115,337
1,192,403
11,113,224
874,903
61,374,539
7,359,550
1,144,106
19,428,768
874,903
-4.05
-19.26
-4.05
74.83
0
Efisiensi
(%)
100
76
Sumber : Hasil pengolahan dengan Banxia Frontier Analysis
Universitas Sumatera Utara