Pengaruh Kesehatan Bank terhadap Profitabilitas Perbankan yang Terdaftar di Bursa Efek Indonesia (BEI) periode 2010-2014
LAMPIRAN
Lampiran 1
Daftar Sampel Perusahaan
No
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Kode
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Daftar Sampel Perusahaan Perbankan
Nama Bank
Bank Rakyat Indonesia Agro Niaga Tbk
Bank Capital Indonesia Tbk
Bank Ekonomi Raharja Tbk
Bank Central Asia Tbk
Bank Bukopoin Tbk
Bank Negara Indonesia (Persero) Tbk
Bank Nusantara Parahyangan Tbk
Bank Rakyat Indonesia (Persero) Tbk
Bank Tabungan Negara (Persero) Tbk
Bank Mutiara Tbk
Bank Danamon Indonesia Tbk
Bank Pundi Indonesia Tbk
Bank Jabar Banten Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Artha Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia Tbk
Bank Permata Tbk
Bank Sinarmas Tbk
Bank Swadesi Tbk
Bank Tabungan Pensiunan Nasional Tbk
Bank Victoria International Tbk
Bank Mayapada International Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Bank Himpunan Saudara 1906 Tbk
Bank Windu Kentjana Internatonal Tbk
Bank Artha Graha International Tbk
Bank Kesawan Tbk
Bank ICB Bumi Putra Tbk
Tanggal IPO
08-Aug-2003
08-Aug-2002
08-Jan-2008
31-May-2000
10-Jul-2006
25-Nov-1996
10-Jan-2001
10-Nov-2003
17-Dec-2009
25-Jun-1997
06-Dec-1989
13-Jul-2001
08-Jul-2010
14-Jul-2003
31-Dec-1999
29-Nov-1989
21-Nov-1989
15-Jan-1990
13-Dec-2010
01-May-2002
12-Mar-2008
30-Jun-1999
29-Aug-1997
17-Apr-2000
20-Oct-1994
29-Dec-1982
15-Dec-2006
03-Jul-2007
29-Aug-1990
21-Nov-2002
15-Jul-2002
77
Universitas Sumatera Utara
Lampiran 2
Data Variabel Penelitian
No
1
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3
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6
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11
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15
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18
19
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24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2010
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
19,381,468,000
3,054,092,727,000
29,040,655,000
4,399,404,518,000
396,703,000,000
21,522,321,000,000
10,653,269,000,000
324,419,069,000,000
667,065,000,000
47,489,366,000,000
1,382,262,000,000
248,580,529,000,000
63,194,158,000
5,282,255,159,000
14,908,230,000,000
404,285,602,000,000
1,250,222,000,000
68,385,539,000,000
218,241,000,000
10,783,886,000,000
4,001,531,000,000
118,206,573,000,000
147,253,000,000
1,561,622,000,000
1,219,628,000,000
43,445,700,000,000
13,972,162,000,000
449,774,551,000,000
36,547,690,305
2,661,051,689,702
3,389,504,000,000
143,652,852,000,000
789,736,000,000
75,130,433,000,000
1,238,133,000,000
73,813,440,000,000
140,946,000,000
11,232,179,000,000
48,067,101,918,000
1,570,331,769,489,000
1,127,264,000,000
34,522,573,000,000
131,657,475,000
10,304,852,773,000
105,755,528,000
10,102,287,635,000
1,041,115,000,000
51,596,960,000,000
428,316,000,000
44,474,822,000,000
1,897,611,000,000
108,947,955,000,000
81,604,122,693,000
3,245,762,792,900,000
37,813,000,000
4,354,460,000,000
117,551,090,255,000 17,063,094,176,282,000
4,058,239,441,000
2,589,915,470,255,000
17,535,120,000
8,659,899,122,000
ROA (%)
0.63%
0.66%
1.84%
3.28%
1.40%
0.56%
1.20%
3.69%
1.83%
2.02%
3.39%
9.43%
2.81%
3.11%
1.37%
2.36%
1.05%
1.68%
1.25%
3.06%
3.27%
1.28%
1.05%
2.02%
0.96%
1.74%
2.51%
0.87%
0.69%
0.16%
0.20%
78
Universitas Sumatera Utara
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1
2
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7
8
9
10
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13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2011
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
44,985,281,000
3,481,155,340,000
34,310,000,000
4,694,939,000,000
326,825,000,000
24,099,084,000,000
13,618,758,000,000
381,908,353,000,000
940,404,000,000
57,183,463,000,000
7,461,308,000,000
299,058,161,000,000
91,757,601,000
6,566,510,103,000
18,755,880,000,000
469,899,284,000,000
1,522,260,000,000
89,121,459,000,000
243,287,000,000
13,127,198,000,000
4,551,581,000,000
142,292,206,000,000
88,646,000,000
5,993,039,000,000
1,319,816,000,000
54,448,658,000,000
16,512,035,000,000
551,891,704,000,000
57,015,636,700
2,963,148,453,513
4,391,782,000,000
166,801,130,000,000
985,306,000,000
94,919,111,000,000
1,558,818,000,000
101,324,002,000,000
155,077,000,000
16,658,656,000,000
64,541,516,776
2,080,427,739,215
1,783,341,000,000
46,651,141,000,000
239,238,525,000
11,802,562,942,000
230,477,283,000
12,951,201,232,000
1,191,316,000,000
61,909,027,000,000
1,005,875,000,000
59,834,397,000,000
2,736,366,000,000
124,755,428,000,000
121,807,000,000
5,085,762,000,000
48,375,000,000
6,452,794,000,000
139,810,000,000
19,185,436,000,000
15,550,000,000
3,593,817,000,000
143,293,605,000
7,281,534,934,000
ROA (%)
1.29%
0.73%
1.36%
3.57%
1.64%
2.49%
1.40%
3.99%
1.71%
1.85%
3.20%
1.48%
2.42%
2.99%
1.92%
2.63%
1.04%
1.54%
0.93%
3.10%
3.82%
2.03%
1.78%
1.92%
1.68%
2.19%
2.40%
0.75%
0.73%
0.43%
1.97%
79
Universitas Sumatera Utara
Data Variabel ROA Tahun 2012
ROA= Laba Sebelum Pajak/Total Asset x 100%
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Laba Sebelum Pajak (Rp)
51,471,054,000
62,561,000,000
246,890,000,000
14,686,046,000,000
1,059,370,000,000
8,899,562,000,000
115,153,801,000
23,859,572,000,000
1,863,202,000,000
144,081,000,000
5,486,679,000,000
68,220,000,000
1,512,499,000,000
20,504,268,000,000
77,467,035,432
5,786,927,000,000
1,695,869,000,000
1,888,081,000,000
285,479,000,000
73,921,748,519
2,485,314,000,000
252,594,217,000
351,140,867,000
1,566,014,000,000
1,222,241,000,000
3,042,464,000,000
160,367,000,000
128,018,000,000
49,697,000,000
34,424,000,000
6,010,082,000
Total Asset (Rp)
4,040,140,235,000
5,666,177,000,000
25,365,299,000,000
442,994,197,000,000
65,689,830,000,000
333,303,506,000,000
8,212,208,488,000
551,336,790,000,000
111,748,593,000,000
15,240,091,000,000
155,791,308,000,000
7,682,938,000,000
70,840,878,000,000
635,618,708,000,000
3,483,516,588,857
197,412,481,000,000
115,772,908,000,000
131,798,595,000,000
15,151,892,000,000
2,540,740,993,910
59,090,132,000,000
14,352,840,454,000
17,166,551,873,000
65,219,108,000,000
79,141,737,000,000
148,792,615,000,000
7,621,309,000,000
6,495,246,000,000
20,558,770,000,000
4,644,654,000,000
7,433,803,459,000
ROA (%)
1.27%
1.10%
0.97%
3.32%
1.61%
2.67%
1.40%
4.33%
1.67%
0.95%
3.52%
0.89%
2.14%
3.23%
2.22%
2.93%
1.46%
1.43%
1.88%
2.91%
4.21%
1.76%
2.05%
2.40%
1.54%
2.04%
2.10%
1.97%
0.24%
0.74%
0.08%
80
Universitas Sumatera Utara
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15
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19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2013
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
71,589,231,000
5,124,070,015,000
93,343,000,000
7,139,276,000,000
324,728,000,000
28,750,162,000,000
17,815,606,000,000
496,304,573,000,000
1,193,605,000,000
69,457,663,000,000
11,278,165,000,000
386,654,815,000,000
141,923,108,000
9,985,735,803,000
27,910,066,000,000
626,182,926,000,000
2,140,771,000,000
131,169,730,000,000
1,112,976,000,000
14,576,094,000,000
5,530,213,000,000
184,237,348,000,000
102,429,000,000
9,003,124,000,000
1,752,874,000,000
70,958,233,000,000
24,061,837,000,000
733,099,762,000,000
78,854,904,089
4,045,672,277,612
5,832,017,000,000
218,866,409,000,000
2,184,224,000,000
140,546,751,000,000
2,301,503,000,000
165,833,922,000,000
286,100,000,000
17,447,455,000,000
109,583,379,645
3,601,335,866,618
2,868,855,000,000
69,661,464,000,000
311,950,209,000
19,153,130,890,000
509,628,250,000
24,015,571,540,000
632,550,000,000
66,475,698,000,000
1,529,716,000,000
97,524,537,000,000
3,252,163,000,000
164,055,578,000,000
272,623,000,000
6,221,880,000,000
118,708,000,000
7,917,214,000,000
293,613,000,000
21,197,512,000,000
5,087,000,000
11,047,615,000,000
66,541,000,000
8,165,865,000,000
ROA (%)
1.40%
1.31%
1.13%
3.59%
1.72%
2.92%
1.42%
4.46%
1.63%
7.64%
3.00%
1.14%
2.47%
3.28%
1.95%
2.66%
1.55%
1.39%
1.64%
3.04%
4.12%
1.63%
2.12%
0.95%
1.57%
1.98%
4.38%
1.50%
1.39%
0.05%
0.81%
81
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8
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13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2014
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
85,353,649,000
6,385,191,484,000
98,896,000,000
9,251,776,000,000
89,154,000,000
29,726,856,000,000
20,741,121,000,000
552,423,892,000,000
971,121,000,000
79,051,268,000,000
13,524,310,000,000
416,573,708,000,000
130,448,583,000
9,468,873,488,000
30,859,073,000,000
801,955,021,000,000
1,548,172,000,000
144,575,961,000,000
669,934,000,000
12,682,021,000,000
3,553,534,000,000
195,708,593,000,000
148,229,000,000
9,044,046,000,000
1,438,490,000,000
75,836,537,000,000
26,008,015,000,000
855,039,673,000,000
70,541,753,499
5,155,422,644,599
3,200,169,000,000
233,162,423,000,000
959,834,000,000
143,318,466,000,000
2,046,223,000,000
185,349,861,000,000
200,895,000,000
21,259,549,000,000
142,022,485,716
5,199,184,618,629
2,522,528,000,000
75,014,737,000,000
121,532,701,000
21,364,882,284,000
580,328,464,000
36,173,590,792,000
697,981,000,000
66,647,891,000,000
1,776,712,000,000
103,123,179,000,000
3,477,071,000,000
172,581,667,000,000
188,798,000,000
16,432,776,000,000
71,448,000,000
9,769,591,000,000
177,777,000,000
23,453,347,000,000
161,911,000,000
20,839,018,000,000
70,033,000,000
9,430,264,000,000
ROA (%)
1.34%
1.07%
0.30%
3.75%
1.23%
3.25%
1.38%
3.85%
1.07%
5.28%
1.82%
1.64%
1.90%
3.04%
1.37%
1.37%
0.67%
1.10%
0.94%
2.73%
3.36%
0.57%
1.60%
1.05%
1.72%
2.01%
1.15%
0.73%
0.76%
0.78%
0.74%
82
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13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel CAR Tahun 2010
CAR= Modal Bank/Total ATMR x 100%
Modal Bank (Rp)
Total ATMR (Rp)
278,016,000
1,777,461,000
557,573,000
1,903,415,000
2,292,988,000,000
12,037,035,000,000
27,722,168,000,000
205,349,477,000,000
2,668,385,000,000
22,129,345,000,000
29,506,937,000,000
141,407,029,000,000
535,060,000
4,135,630,000
31,710,589,000,000
230,447,032,000,000
6,069,569,000,000
36,265,214,000,000
690,734,000,000
6,187,835,000,000
15,552,141,000,000
96,938,654,000,000
298,803,000,000
2,049,068,000,000
4,207,265,000,000
50,166,717,000,000
35,654,733,000,000
266,846,641,000,000
388,719,067,680
1,554,185,438,167
15,453,251,000,000
232,383,486,000,000
7,140,575,000,000
56,450,403,000,000
8,748,844,000,000
57,934,246,000,000
974,124,000,000
6,906,512,000,000
306,375,000,000
1,140,421,000,000
3,892,194,000,000
47,745,459,000,000
645,982,109,000
5,983,903,537,000
1,522,136,000
7,462,633,000
4,405,094,000,000
29,301,148,000,000
6,876,414,000,000
39,014,869,000,000
10,793,317,000,000
65,078,846,000,000
387,663,000,000
5,553,223,000,000
521,478,000,000
2,922,754,000,000
1,607,288,241,915
11,067,937,280,366
169,493,130,562
1,580,395,332,209
771,577,000,000
6,107,455,000,000
CAR (%)
15.64%
29.29%
19.05%
13.50%
12.06%
20.87%
12.94%
13.76%
16.74%
11.16%
16.04%
14.58%
8.39%
13.36%
25.01%
6.65%
12.65%
15.10%
14.10%
26.87%
8.15%
10.80%
20.40%
15.03%
17.63%
16.58%
6.98%
17.84%
14.52%
10.72%
12.63%
83
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Data Variabel CAR Tahun 2011
CAR= Modal Bank/Total ATMR x 100%
KODE
Modal Bank (Rp)
Total ATMR (Rp)
AGRO
305,446,315,000
1,863,351,686,000
BACA
603,290,000,000
2,796,080,000,000
BAEK
3,108,566,000,000
18,427,755,000,000
BBCA
37,173,136,000,000
280,197,088,000,000
BBKP
3,920,021,000,000
30,851,552,000,000
BBNI
32,691,914,000,000
158,488,457,000,000
BBNP
642,967,000
4,781,855,000
BBRI
41,815,988,000,000
279,602,642,000,000
BBTN
6,968,366,000,000
46,223,519,000,000
BCIC
912,414,000,000
9,696,523,000,000
BDMN
22,162,845,000,000
126,263,998,000,000
BEKS
431,900,000,000
3,594,245,000,000
BJBR
4,535,765,000,000
64,855,092,000,000
BMRI
54,084,246,000,000
352,519,994,000,000
BNBA
413,528,881,514
2,071,877,938,095
BNGA
19,567,944,000,000
297,331,546,000,000
BNII
8,788,210,000,000
73,082,389,000,000
BNLI
11,419,858,000,000
76,394,336,000,000
BSIM
1,382,626,000,000
9,887,258,000,000
BSWD
328,468,000,000
1,416,344,000,000
BTPN
5,009,906,000,000
68,698,078,000,000
BVIC
1,107,333,759,000
7,450,147,500,000
MAYA
1,514,314,000
10,315,378,000
MEGA
4,736,571,000,000
39,940,146,000,000
NISP
7,526,639,000,000
54,744,787,000,000
PNBN
14,507,907,000,000
83,138,538,000,000
SDRA
394,038,000,000
7,881,353,000,000
MCOR
572,479,000,000
4,905,447,000,000
INPC
1,651,615,000,000
13,159,331,000,000
BKSW
884,212,000,000
1,932,689,000,000
BABP
527,419,000,000
5,211,821,000,000
CAR (%)
16.39%
21.58%
16.87%
13.27%
12.71%
20.63%
13.45%
14.96%
15.08%
9.41%
17.55%
12.02%
6.99%
15.34%
19.96%
6.58%
12.03%
14.95%
13.98%
23.19%
7.29%
14.86%
14.68%
11.86%
13.75%
17.45%
5.00%
11.67%
12.55%
45.75%
10.12%
84
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22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel CAR Tahun 2012
CAR= Modal Bank/Total ATMR x 100%
Modal Bank (Rp)
Total ATMR (Rp)
354,192,967,000
2,393,132,058,000
624,532,000,000
3,331,859,000,000
3,004,115,000,000
19,226,883,000,000
46,304,184,000,000
315,123,731,000,000
5,820,205,000,000
35,620,713,000,000
39,198,859,000,000
202,799,256,000,000
721,629,000
5,927,888,000
55,133,677,000,000
325,352,028,000,000
9,433,162,000,000
53,321,389,000,000
1,054,779,000,000
10,453,378,000,000
24,662,658,000,000
130,486,278,000,000
675,133,000,000
5,086,256,000,000
4,572,375,000,000
64,809,334,000,000
61,947,504,000,000
400,189,948,000,000
429,006,003,016
2,236,444,040,753
23,361,501,000,000
308,584,769,000,000
10,885,881,000,000
84,268,872,000,000
16,797,965,000,000
100,400,282,000,000
1,790,135,000,000
9,897,087,000,000
341,701,000,000
1,619,397,000,000
6,868,996,000,000
89,131,345,000,000
1,620,669,924,000
9,044,577,949,000
1,548,059,000
14,164,214,000
5,567,133,000,000
33,077,430,000,000
9,873,095,000,000
59,884,808,000,000
15,669,085,000,000
106,835,674,000,000
662,943,000,000
12,467,558,000,000
719,143,000,000
5,187,694,000,000
1,446,680,000,000
15,147,172,000,000
854,409,000,000
3,077,876,000,000
608,639,000,000
5,428,407,000,000
CAR (%)
14.80%
18.74%
15.62%
14.69%
16.34%
19.33%
12.17%
16.95%
17.69%
10.09%
18.90%
13.27%
7.06%
15.48%
19.18%
7.57%
12.92%
16.73%
18.09%
21.10%
7.71%
17.92%
10.93%
16.83%
16.49%
14.67%
5.32%
13.86%
9.55%
27.76%
11.21%
85
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30
31
Data Variabel CAR Tahun 2013
CAR= Modal Bank/Total ATMR x 100%
KODE
Modal Bank (Rp)
Total ATMR (Rp)
AGRO
843,207,216,000
3,904,012,931,000
BACA
852,686,000,000
4,236,092,000,000
BAEK
2,943,052,000,000
22,467,480,000,000
BBCA
58,604,765,000,000
365,510,273,000,000
BBKP
6,574,389,000,000
43,468,860,000,000
BBNI
43,563,420,000,000
251,141,940,000,000
BBNP
1,132,014,000
7,187,754,000
BBRI
69,472,036,000,000
408,858,393,000,000
BBTN
10,353,005,000,000
66,261,700,000,000
BCIC
1,398,860,000,000
9,968,125,000,000
BDMN
27,701,698,000,000
155,140,150,000,000
BEKS
764,739,000,000
6,691,848,000,000
BJBR
5,340,417,000,000
83,381,666,000,000
BMRI
73,345,421,000,000
491,276,170,000,000
BNBA
489,197,462,362
2,878,836,060,540
BNGA
26,877,844,000,000
348,033,654,000,000
BNII
13,390,460,000,000
104,909,778,000,000
BNLI
18,487,427,000,000
127,400,800,000,000
BSIM
2,637,497,000,000
12,088,898,000,000
BSWD
411,619,000,000
2,694,332,000,000
BTPN
8,972,273,000,000
107,394,333,000,000
BVIC
2,336,935,000,000
12,666,109,000,000
MAYA
2,757,058,000
19,596,665,000
MEGA
5,704,179,000,000
36,229,890,000,000
NISP
14,275,975,000,000
74,034,874,000,000
PNBN
18,756,291,000,000
122,398,542,000,000
SDRA
678,841,000,000
14,282,111,000,000
MCOR
966,668,000,000
6,583,700,000,000
INPC
2,695,768,000,000
16,539,984,000,000
BKSW
1,500,350,000,000
8,009,889,000,000
BABP
761,724,000,000
5,781,807,000,000
CAR (%)
21.60%
20.13%
13.10%
16.03%
15.12%
17.35%
15.75%
16.99%
15.62%
14.03%
17.86%
11.43%
6.40%
14.93%
16.99%
7.72%
12.76%
14.51%
21.82%
15.28%
8.35%
18.45%
14.07%
15.74%
19.28%
15.32%
4.75%
14.68%
16.30%
18.73%
13.17%
86
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26
27
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30
31
Data Variabel CAR Tahun 2014
CAR= Modal Bank/Total ATMR x 100%
KODE
Modal Bank (Rp)
Total ATMR (Rp)
AGRO
902,376,278,000
4,733,908,205,000
BACA
925,852,000,000
5,633,486,000,000
BAEK
3,149,380,000,000
23,490,958,000,000
BBCA
70,961,097,000,000
411,665,878,000,000
BBKP
6,896,811,000,000
48,551,547,000,000
BBNI
50,352,050,000,000
268,430,052,000,000
BBNP
1,199,445,000
7,224,270,000
BBRI
85,706,557,000,000
468,182,076,000,000
BBTN
11,171,458,000,000
76,332,641,000,000
BCIC
1,055,792,000,000
7,734,119,000,000
BDMN
29,702,743,000,000
166,294,433,000,000
BEKS
708,909,000,000
7,052,809,000,000
BJBR
5,759,136,000,000
91,863,490,000,000
BMRI
85,479,697,000,000
514,904,536,000,000
BNBA
532,392,113,274
3,531,891,784,360
BNGA
29,622,900,000,000
383,696,458,000,000
BNII
1,884,651,000,000
105,486,413,000,000
BNLI
19,832,236,000,000
143,851,568,000,000
BSIM
2,976,939,000,000
16,197,119,000,000
BSWD
515,201,000,000
3,565,235,000,000
BTPN
10,904,893,000,000
128,837,180,000,000
BVIC
2,476,732,000,000
13,569,183,000,000
MAYA
2,985,448,000
28,606,865,000
MEGA
6,310,948,000,000
41,449,630,000,000
NISP
15,360,785,000,000
81,968,368,000,000
PNBN
20,278,682,000,000
129,835,707,000,000
SDRA
722,415,000,000
15,626,746,000,000
MCOR
1,152,179,000,000
8,143,268,000,000
INPC
2,949,866,000,000
18,804,389,000,000
BKSW
2,203,577,000,000
14,596,515,000,000
BABP
1,195,676,000,000
6,722,419,000,000
CAR (%)
19.06%
16.43%
13.41%
17.24%
14.21%
18.76%
16.60%
18.31%
14.64%
13.65%
17.86%
10.05%
6.27%
16.60%
15.07%
7.72%
1.79%
13.79%
18.38%
14.45%
8.46%
18.25%
10.44%
15.23%
18.74%
15.62%
4.62%
14.15%
15.69%
15.10%
17.79%
87
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Data Variabel NPL Tahun 2010-2014
NPL= Kredit Bermasalah/Kredit yang Diberikan x 100%
KODE
NPL (%)
NPL (%) NPL (%) NPL (%)
AGRO
8.82%
3.55%
3.68%
2.27%
BACA
0.99%
0.69%
1.57%
0.19%
BAEK
0.35%
0.74%
0.28%
0.72%
BBCA
0.60%
0.50%
0.40%
0.40%
BBKP
3.22%
2.88%
2.66%
2.26%
BBNI
1.11%
0.51%
0.75%
0.55%
BBNP
0.63%
0.78%
0.58%
0.45%
BBRI
2.78%
2.30%
1.78%
1.55%
BBTN
2.66%
2.23%
3.12%
3.04%
BCIC
4.84%
4.46%
3.16%
3.61%
BDMN
0.00%
0.00%
0.20%
1.10%
BEKS
4.03%
3.95%
4.81%
3.39%
BJBR
0.29%
0.41%
0.50%
0.64%
BMRI
0.54%
0.45%
0.37%
0.37%
BNBA
1.83%
0.50%
0.00%
0.00%
BNGA
1.92%
1.46%
1.11%
1.55%
BNII
1.74%
1.10%
0.81%
1.55%
BNLI
0.74%
0.55%
0.41%
0.31%
BSIM
1.11%
0.79%
2.57%
2.12%
BSWD
2.42%
1.40%
0.54%
0.40%
BTPN
1.10%
0.70%
0.60%
0.70%
BVIC
0.00%
0.22%
1.76%
0.32%
MAYA
3.27%
2.51%
3.02%
1.04%
MEGA
0.90%
0.98%
2.09%
2.17%
NISP
0.94%
0.59%
0.37%
0.35%
PNBN
2.68%
0.92%
0.48%
0.75%
SDRA
0.86%
1.08%
0.57%
0.41%
MCOR
1.12%
1.42%
1.44%
1.33%
INPC
2.00%
1.85%
0.80%
1.76%
BKSW
1.91%
0.82%
0.31%
0.10%
BABP
4.34%
6.25%
5.78%
4.88%
NPL (%)
2.02%
0.24%
1.61%
0.60%
2.78%
0.39%
1.41%
1.69%
2.79%
5.45%
1.30%
4.85%
1.04%
0.32%
0.08%
1.94%
1.48%
0.63%
2.56%
0.11%
0.70%
2.61%
1.46%
2.09%
0.80%
0.46%
1.81%
2.43%
1.69%
0.23%
5.88%
88
Universitas Sumatera Utara
Data Variabel NIM Tahun 2010
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
172,623,088,000
2,675,312,522,000
6.45%
2
BACA
105,268,097,000
3,223,820,891,000
3.27%
3
BAEK
850,483,000,000
17,517,418,000,000
4.86%
4
BBCA
12,936,828,000,000
213,994,321,000,000
6.05%
5
BBKP
3,832,626,000,000
42,285,799,000,000
9.06%
6
BBNI
18,837,397,000,000
182,335,532,000,000
10.33%
7
BBNP
231,835,783,000
4,510,582,391,000
5.14%
8
BBRI
32,888,603,000,000
322,036,865,000,000
10.21%
9
BBTN
3,354,818,000,000
55,369,171,000,000
6.06%
10
BCIC
141,174,000,000
8,604,817,000,000
1.64%
11
BDMN
9,908,450,000,000
84,183,888,000,000
11.77%
12
BEKS
139,649,000,000
2,826,778,000,000
4.94%
13
BJBR
2,639,581,000,000
35,939,965,000,000
7.34%
14
BMRI
19,518,609,000,000
270,025,207,000,000
7.23%
15
BNBA
127,810,620,471
2,089,625,430,186
6.12%
16
BNGA
7,326,293,000,000
112,104,370,000,000
6.54%
17
BNII
3,728,202,000,000
54,653,210,000,000
6.82%
18
BNLI
3,117,659,000,000
52,080,483,000,000
5.99%
19
BSIM
418,456,000,000
7,726,919,000,000
5.42%
20
BSWD
95,308,552,154
1,173,273,824,259
8.12%
21
BTPN
3,539,264,000,000
28,372,597,000,000
12.47%
22
BVIC
118,646,463,000
9,229,953,160,000
1.29%
23
MAYA
483,026,236,000
7,775,311,011,000
6.21%
24
MEGA
2,180,529,000,000
34,570,949,000,000
6.31%
25
NISP
1,806,666,000,000
31,666,421,000,000
5.71%
26
PNBN
4,202,472,000,000
73,817,317,000,000
5.69%
27
SDRA
262,932,000,000
2,592,735,000,000
10.14%
28
MCOR
135,963,000,000
3,502,281,000,000
3.88%
29
INPC
586,927,000,000
15,239,949,000,000
3.85%
30
BKSW
110,998,191,342
2,065,042,119,372
5.38%
31
BABP
394,899,700,000
7,278,204,639,000
5.43%
89
Universitas Sumatera Utara
Data Variabel NIM Tahun 2011
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
142,470,929,000
2,849,593,294,000
5.00%
2
BACA
110,444,000,000
3,138,680,000,000
3.52%
3
BAEK
928,562,000,000
18,216,231,000,000
5.10%
4
BBCA
18,053,836,000,000
243,941,303,000,000
7.40%
5
BBKP
4,617,461,000,000
47,139,083,000,000
9.80%
6
BBNI
13,195,814,000,000
207,988,590,000,000
6.34%
7
BBNP
293,948,580,000
5,423,639,799,000
5.42%
8
BBRI
34,427,076,000,000
348,748,935,000,000
9.87%
9
BBTN
3,785,873,000,000
74,765,005,000,000
5.06%
10
BCIC
229,611,000,000
12,155,123,000,000
1.89%
11
BDMN
10,849,101,000,000
101,334,085,000,000
10.71%
12
BEKS
242,492,000,000
4,243,456,000,000
5.71%
13
BJBR
3,061,209,000,000
38,454,755,000,000
7.96%
14
BMRI
21,775,982,000,000
360,204,646,000,000
6.05%
15
BNBA
145,524,087,963
2,398,086,409,555
6.07%
16
BNGA
7,926,830,000,000
130,439,114,000,000
6.08%
17
BNII
4,215,548,000,000
70,226,122,000,000
6.00%
18
BNLI
3,741,285,000,000
99,212,318,000,000
3.77%
19
BSIM
511,637,000,000
12,184,732,000,000
4.20%
20
BSWD
96,506,364,080
1,641,774,394,341
5.88%
21
BTPN
4,635,946,000,000
38,435,063,000,000
12.06%
22
BVIC
171,832,111,000
10,759,095,669,000
1.60%
23
MAYA
553,771,998,000
10,144,436,180,000
5.46%
24
MEGA
2,706,195,000,000
42,734,122,000,000
6.33%
25
NISP
2,255,442,000,000
44,624,365,000,000
5.05%
26
PNBN
4,990,240,000,000
86,652,619,000,000
5.76%
27
SDRA
320,239,000,000
3,974,984,000,000
8.06%
28
MCOR
191,422,000,000
5,457,282,000,000
3.51%
29
INPC
583,028,000,000
17,134,748,000,000
3.40%
30
BKSW
158,753,000,000
2,750,392,000,000
5.77%
31
BABP
362,654,110,000
5,748,010,394,000
6.31%
90
Universitas Sumatera Utara
Data Variabel NIM Tahun 2012
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
182,944,638,000
3,364,881,291,000
5.44%
2
BACA
162,175,000,000
3,739,485,000,000
4.34%
3
BAEK
957,906,000,000
19,414,788,000,000
4.93%
4
BBCA
21,238,123,000,000
286,045,941,000,000
7.42%
5
BBKP
5,126,381,000,000
53,062,282,000,000
9.66%
6
BBNI
15,458,991,000,000
232,316,364,000,000
6.65%
7
BBNP
388,288,761,000
7,062,057,065,000
5.50%
8
BBRI
36,483,766,000,000
407,362,687,000,000
8.96%
9
BBTN
4,726,819,000,000
94,181,820,000,000
5.02%
10
BCIC
441,782,000,000
14,013,803,000,000
3.15%
11
BDMN
12,922,108,000,000
100,906,374,000,000
12.81%
12
BEKS
995,224,000,000
6,314,740,000,000
15.76%
13
BJBR
3,655,375,000,000
47,852,971,000,000
7.64%
14
BMRI
27,530,592,000,000
428,458,371,000,000
6.43%
15
BNBA
186,524,492,639
2,943,719,865,638
6.34%
16
BNGA
9,709,219,000,000
155,878,504,000,000
6.23%
17
BNII
5,313,735,000,000
85,734,146,000,000
6.20%
18
BNLI
4,808,409,000,000
136,524,801,000,000
3.52%
19
BSIM
780,192,000,000
11,295,404,000,000
6.91%
20
BSWD
97,662,557,251
2,101,439,016,361
4.65%
21
BTPN
6,071,114,000,000
48,780,474,000,000
12.45%
22
BVIC
338,753,664,000
12,978,205,279,000
2.61%
23
MAYA
742,214,112,000
14,064,719,408,000
5.28%
24
MEGA
3,342,112,000,000
36,405,303,000,000
9.18%
25
NISP
2,566,027,000,000
58,488,764,000,000
4.39%
26
PNBN
5,473,867,000,000
100,209,907,000,000
5.46%
27
SDRA
432,420,000,000
6,458,931,000,000
6.69%
28
MCOR
267,933,000,000
5,391,906,000,000
4.97%
29
INPC
826,029,000,000
17,771,104,000,000
4.65%
30
BKSW
172,509,000,000
3,736,967,000,000
4.62%
31
BABP
357,765,338,000
6,198,813,940,000
5.77%
91
Universitas Sumatera Utara
Data Variabel NIM Tahun 2013
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
225,141,343,000
4,111,964,872,000
5.48%
2
BACA
209,042,000,000
4,891,347,000,000
4.27%
3
BAEK
1,159,413,000,000
20,538,958,000,000
5.64%
4
BBCA
26,425,140,000,000
322,380,465,000,000
8.20%
5
BBKP
5,950,023,000,000
59,014,178,000,000
10.08%
6
BBNI
19,058,281,000,000
271,372,145,000,000
7.02%
7
BBNP
431,168,876,000
8,175,358,013,000
5.27%
8
BBRI
44,106,271,000,000
465,109,584,000,000
9.48%
9
BBTN
5,653,323,000,000
106,464,860,000,000
5.31%
10
BCIC
293,690,000,000
11,210,999,000,000
2.62%
11
BDMN
13,531,043,000,000
116,202,818,000,000
11.64%
12
BEKS
972,949,000,000
7,029,520,000,000
13.84%
13
BJBR
4,782,143,000,000
58,438,960,000,000
8.18%
14
BMRI
33,809,418,000,000
509,789,783,000,000
6.63%
15
BNBA
212,285,979,620
3,302,396,790,131
6.43%
16
BNGA
10,120,691,000,000
162,439,718,000,000
6.23%
17
BNII
5,514,870,000,000
101,572,594,000,000
5.43%
18
BNLI
5,135,555,000,000
156,747,203,000,000
3.28%
19
BSIM
826,360,000,000
12,668,274,000,000
6.52%
20
BSWD
141,044,430,160
2,776,537,380,111
5.08%
21
BTPN
7,048,449,000,000
49,765,978,000,000
14.16%
22
BVIC
415,264,181,000
12,635,382,432,000
3.29%
23
MAYA
1,003,372,682,000
20,065,695,919,000
5.00%
24
MEGA
2,696,051,000,000
42,724,606,000,000
6.31%
25
NISP
3,139,288,000,000
69,214,432,000,000
4.54%
26
PNBN
6,085,674,000,000
112,714,463,000,000
5.40%
27
SDRA
505,830,000,000
6,779,595,000,000
7.46%
28
MCOR
288,099,000,000
6,536,675,000,000
4.41%
29
INPC
998,257,000,000
18,286,702,000,000
5.46%
30
BKSW
230,945,000,000
9,459,372,000,000
2.44%
31
BABP
286,067,000,000
6,715,990,000,000
4.26%
92
Universitas Sumatera Utara
Data Variabel NIM Tahun 2014
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
259,192,209,000
5,209,385,648,000
4.98%
2
BACA
221,761,000,000
6,270,925,000,000
3.54%
3
BAEK
1,147,211,000,000
20,165,043,000,000
5.69%
4
BBCA
32,026,694,000,000
355,975,517,000,000
9.00%
5
BBKP
7,093,455,000,000
68,261,076,000,000
10.39%
6
BBNI
22,376,301,000,000
232,316,364,000,000
9.63%
7
BBNP
437,717,455,000
7,754,074,433,000
5.64%
8
BBRI
51,442,410,000,000
552,078,598,000,000
9.32%
9
BBTN
5,464,581,000,000
117,382,580,000,000
4.66%
10
BCIC
65,601,000,000
10,506,386,000,000
0.62%
11
BDMN
13,679,836,000,000
121,306,988,000,000
11.28%
12
BEKS
804,416,000,000
7,094,688,000,000
11.34%
13
BJBR
4,461,598,000,000
61,667,220,000,000
7.23%
14
BMRI
39,132,424,000,000
575,551,432,000,000
6.80%
15
BNBA
226,095,857,419
4,256,899,200,323
5.31%
16
BNGA
10,689,495,000,000
175,876,074,000,000
6.08%
17
BNII
5,931,696,000,000
102,926,326,000,000
5.76%
18
BNLI
5,429,499,000,000
160,372,518,000,000
3.39%
19
BSIM
987,625,000,000
16,470,415,000,000
6.00%
20
BSWD
174,691,755,367
3,802,740,028,725
4.59%
21
BTPN
7,040,783,000,000
56,302,980,000,000
12.51%
22
BVIC
337,619,803,000
14,753,478,530,000
2.29%
23
MAYA
1,165,240,025,000
30,137,830,845,000
3.87%
24
MEGA
2,745,049,000,000
43,221,181,000,000
6.35%
25
NISP
3,744,698,000,000
72,587,287,000,000
5.16%
26
PNBN
6,206,941,000,000
117,408,310,000,000
5.29%
27
SDRA
215,312,000,000
6,008,881,000,000
3.58%
28
MCOR
296,502,000,000
7,943,306,000,000
3.73%
29
INPC
954,776,000,000
19,926,579,000,000
4.79%
30
BKSW
406,622,000,000
18,461,780,000,000
2.20%
31
BABP
236,281,000,000
7,870,515,000,000
3.00%
93
Universitas Sumatera Utara
Data Variabel LDR Tahun 2010
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR (%)
Diberikan (Rp)
Ketiga (Rp)
1
AGRO
1,859,381,731,000
1,386,868,473,000 134.07%
2
BACA
1,817,950,714,000
3,617,301,460,000
50.26%
3
BAEK
11,357,891,000,000
18,396,436,000,000
61.74%
4
BBCA
153,923,157,000,000
277,530,635,000,000
55.46%
5
BBKP
29,398,321,000,000
41,377,255,000,000
71.05%
6
BBNI
129,399,567,000,000
194,374,685,000,000
66.57%
7
BBNP
3,622,503,192,000
4,544,400,188,000
79.71%
8
BBRI
232,972,784,000,000
333,652,397,000,000
69.82%
9
BBTN
48,702,920,000,000
47,546,047,000,000 102.43%
10
BCIC
5,012,936,000,000
8,900,800,000,000
56.32%
11
BDMN
73,268,325,000,000
79,642,803,000,000
92.00%
12
BEKS
321,343,000,000
1,159,818,000,000
27.71%
13
BJBR
21,491,791,000,000
31,019,700,000,000
69.28%
14
BMRI
232,545,259,000,000
362,212,154,000,000
64.20%
15
BNBA
1,154,339,364,218
2,159,541,719,474
53.45%
16
BNGA
100,350,214,000,000
117,833,233,000,000
85.16%
17
BNII
50,181,865,000,000
59,901,960,000,000
83.77%
18
BNLI
51,253,361,000,000
59,385,311,000,000
86.31%
19
BSIM
6,934,158,000,000
9,819,214,000,000
70.62%
20
BSWD
1,050,806,763,120
1,226,475,305,026
85.68%
21
BTPN
22,987,493,000,000
25,526,479,000,000
90.05%
22
BVIC
3,187,219,009,000
8,896,067,077,000
35.83%
23
MAYA
5,931,676,175,000
7,792,117,908,000
76.12%
24
MEGA
23,613,208,000,000
42,083,813,000,000
56.11%
25
NISP
27,360,530,000,000
35,862,518,000,000
76.29%
26
PNBN
55,682,562,000,000
75,279,720,000,000
73.97%
27
SDRA
2,507,415,000,000
2,550,806,000,000
98.30%
28
MCOR
2,905,446,000,000
3,625,685,000,000
80.14%
29
INPC
10,985,189,793,469
14,681,980,044,282
74.82%
30
BKSW
1,682,306,598,106
2,372,317,778,567
70.91%
31
BABP
6,028,296,038,000
7,213,672,462,000
83.57%
94
Universitas Sumatera Utara
Data Variabel LDR Tahun 2011
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
1,823,057,271,000
3,054,289,337,000 59.69%
2
BACA
1,740,790,000,000
3,975,641,000,000 43.79%
3
BAEK
13,861,166,000,000 20,072,498,000,000 69.06%
4
BBCA
198,440,354,000,000 323,427,592,000,000 61.36%
5
BBKP
39,851,153,000,000 47,929,226,000,000 83.15%
6
BBNI
156,504,508,000,000 231,295,740,000,000 67.66%
7
BBNP
4,810,026,912,000
5,653,943,755,000 85.07%
8
BBRI
269,454,726,000,000 384,264,345,000,000 70.12%
9
BBTN
58,533,169,000,000 61,970,015,000,000 94.45%
10
BCIC
9,140,800,000,000 11,199,975,000,000 81.61%
11
BDMN
85,462,799,000,000 85,978,327,000,000 99.40%
12
BEKS
3,337,893,000,000
5,322,511,000,000 62.71%
13
BJBR
26,490,566,000,000 37,008,488,000,000 71.58%
14
BMRI
298,988,258,000,000 384,728,603,000,000 77.71%
15
BNBA
1,609,854,098,430
2,420,015,909,775 66.52%
16
BNGA
119,577,189,000,000 131,814,304,000,000 90.72%
17
BNII
62,807,916,000,000 70,322,917,000,000 89.31%
18
BNLI
89,960,527,000,000 82,783,287,000,000 108.67%
19
BSIM
10,135,442,000,000 14,853,064,000,000 68.24%
20
BSWD
1,413,686,738,871
1,675,844,627,534 84.36%
21
BTPN
30,000,664,000,000 35,618,000,000,000 84.23%
22
BVIC
5,802,341,922,000
9,249,008,152,000 62.73%
23
MAYA
8,569,366,460,000 10,667,258,457,000 80.33%
24
MEGA
31,406,691,000,000 49,138,687,000,000 63.91%
25
NISP
40,541,352,000,000 47,419,539,000,000 85.50%
26
PNBN
69,079,311,000,000 85,748,532,000,000 80.56%
27
SDRA
3,311,921,000,000
4,087,992,000,000 81.02%
28
MCOR
4,629,933,000,000
5,813,692,000,000 79.64%
29
INPC
13,111,321,000,000 16,296,638,000,000 80.45%
30
BKSW
1,983,974,000,000
2,644,465,999,000 75.02%
31
BABP
4,944,113,572,000
6,011,363,815,000 82.25%
95
Universitas Sumatera Utara
Data Variabel LDR Tahun 2012
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
2,531,073,097,000
2,964,289,337,000 85.39%
2
BACA
2,813,287,000,000
4,778,019,000,000 58.88%
3
BAEK
17,077,297,000,000 20,960,549,000,000 81.47%
4
BBCA
252,760,457,000,000 370,274,199,000,000 68.26%
5
BBKP
44,594,681,000,000 53,957,758,000,000 82.65%
6
BBNI
193,834,670,000,000 257,660,841,000,000 75.23%
7
BBNP
5,884,622,960,000
6,925,186,196,000 84.97%
8
BBRI
336,081,042,000,000 450,166,383,000,000 74.66%
9
BBTN
74,621,792,000,000 80,667,983,000,000 92.50%
10
BCIC
10,946,347,000,000 13,461,508,000,000 81.32%
11
BDMN
90,828,149,000,000 89,897,866,000,000 101.03%
12
BEKS
5,358,287,000,000
6,756,642,000,000 79.30%
13
BJBR
35,374,390,000,000 47,632,863,000,000 74.26%
14
BMRI
370,570,356,000,000 442,837,863,000,000 83.68%
15
BNBA
2,225,685,229,781
2,874,841,031,224 77.42%
16
BNGA
137,104,439,000,000 151,015,119,000,000 90.79%
17
BNII
76,087,918,000,000 85,946,647,000,000 88.53%
18
BNLI
122,830,812,000,000 104,914,477,000,000 117.08%
19
BSIM
10,293,836,000,000 12,860,714,000,000 80.04%
20
BSWD
1,825,422,913,747
1,972,256,325,029 92.56%
21
BTPN
38,844,096,000,000 45,072,603,000,000 86.18%
22
BVIC
7,823,868,186,000 11,515,732,426,000 67.94%
23
MAYA
12,079,060,396,000 15,160,619,539,000 79.67%
24
MEGA
26,650,298,000,000 50,265,395,000,000 53.02%
25
NISP
51,874,088,000,000 60,760,680,000,000 85.37%
26
PNBN
91,651,941,000,000 102,695,260,000,000 89.25%
27
SDRA
5,203,977,000,000
6,226,709,000,000 83.58%
28
MCOR
4,525,245,000,000
5,598,481,000,000 80.83%
29
INPC
15,201,934,000,000 17,399,114,000,000 87.37%
30
BKSW
3,168,908,000,000
3,633,084,000,000 87.22%
31
BABP
5,043,064,872,000
6,433,765,425,000 78.38%
96
Universitas Sumatera Utara
Data Variabel LDR Tahun 2013
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
3,698,592,953,000
4,120,253,833,000 89.77%
2
BACA
3,734,689,000,000
5,893,147,000,000 63.37%
3
BAEK
19,445,148,000,000 23,346,875,000,000 83.29%
4
BBCA
306,679,132,000,000 409,485,763,000,000 74.89%
5
BBKP
47,663,059,000,000 55,822,392,000,000 85.38%
6
BBNI
250,637,843,000,000 282,739,954,000,000 88.65%
7
BBNP
6,988,226,983,000
8,358,395,276,000 83.61%
8
BBRI
419,144,730,000,000 504,281,382,000,000 83.12%
9
BBTN
99,330,214,000,000 96,207,622,000,000 103.25%
10
BCIC
10,128,316,000,000 11,558,081,000,000 87.63%
11
BDMN
103,468,254,000,000 109,161,182,000,000 94.78%
12
BEKS
6,552,710,000,000
7,673,461,000,000 85.39%
13
BJBR
45,308,580,000,000 46,874,161,000,000 96.66%
14
BMRI
450,634,798,000,000 508,996,256,000,000 88.53%
15
BNBA
2,821,070,304,428
3,367,519,751,423 83.77%
16
BNGA
149,691,501,000,000 163,737,362,000,000 91.42%
17
BNII
95,469,670,000,000 107,239,558,000,000 89.02%
18
BNLI
150,976,854,000,000 133,074,926,000,000 113.45%
19
BSIM
10,909,738,000,000 13,819,061,000,000 78.95%
20
BSWD
2,547,310,331,425
2,740,214,130,089 92.96%
21
BTPN
44,751,099,000,000 50,898,238,000,000 87.92%
22
BVIC
11,220,398,650,000 14,153,081,734,000 79.28%
23
MAYA
17,568,210,907,000 17,992,895,286,000 97.64%
24
MEGA
29,779,302,000,000 52,372,043,000,000 56.86%
25
NISP
62,706,614,000,000 68,936,691,000,000 90.96%
26
PNBN
103,071,931,000,000 120,256,653,000,000 85.71%
27
SDRA
6,120,888,000,000
6,802,289,000,000 89.98%
28
MCOR
5,483,875,000,000
6,571,488,000,000 83.45%
29
INPC
15,352,474,000,000 17,363,406,000,000 88.42%
30
BKSW
8,208,542,000,000
7,244,934,000,000 113.30%
31
BABP
5,378,179,000,000
6,834,891,000,000 78.69%
97
Universitas Sumatera Utara
Data Variabel LDR Tahun 2014
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
4,694,580,210,000
5,206,253,466,000 90.17%
2
BACA
4,729,920,000,000
8,112,281,000,000 58.31%
3
BAEK
19,565,407,000,000 23,490,978,000,000 83.29%
4
BBCA
339,306,154,000,000 447,905,756,000,000 75.75%
5
BBKP
55,262,577,000,000 65,390,790,000,000 84.51%
6
BBNI
270,651,986,000,000 300,264,809,000,000 90.14%
7
BBNP
6,631,713,493,000
7,876,659,880,000 84.19%
8
BBRI
479,211,143,000,000 622,321,846,000,000 77.00%
9
BBTN
114,339,226,000,000 106,470,677,000,000 107.39%
10
BCIC
7,234,672,000,000 11,026,739,000,000 65.61%
11
BDMN
106,774,211,000,000 116,495,224,000,000 91.66%
12
BEKS
6,419,108,000,000
7,639,046,000,000 84.03%
13
BJBR
49,616,998,000,000 53,118,800,000,000 93.41%
14
BMRI
505,394,870,000,000 583,448,911,000,000 86.62%
15
BNBA
3,528,464,915,445
4,450,002,570,007 79.29%
16
BNGA
169,380,619,000,000 174,723,234,000,000 96.94%
17
BNII
98,030,670,000,000 101,863,992,000,000 96.24%
18
BNLI
157,876,854,000,000 148,005,560,000,000 106.67%
19
BSIM
14,223,357,000,000 16,946,231,000,000 83.93%
20
BSWD
3,129,866,982,845
3,585,345,484,205 87.30%
21
BTPN
49,494,487,000,000 51,140,850,000,000 96.78%
22
BVIC
12,430,390,016,000 16,177,977,811,000 76.84%
23
MAYA
25,942,815,020,000 26,581,979,581,000 97.60%
24
MEGA
33,207,612,000,000 51,021,875,000,000 65.09%
25
NISP
66,933,612,000,000 72,805,057,000,000 91.94%
26
PNBN
111,944,302,000,000 126,105,253,000,000 88.77%
27
SDRA
11,306,632,000,000 11,303,958,000,000 100.02%
28
MCOR
6,908,478,000,000
8,188,680,000,000 84.37%
29
INPC
17,018,062,000,000 19,573,542,000,000 86.94%
30
BKSW
15,106,120,000,000 16,161,710,000,000 93.47%
31
BABP
6,128,833,000,000
7,734,434,000,000 79.24%
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Data Variabel BOPO Tahun 2010
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban Operasional
Total Pendapatan
BOPO
(Rp)
Operasional (Rp)
(%)
AGRO
310,199,954,000
372,482,687,000 83.28%
BACA
321,882,292,000
344,333,602,000 93.48%
BAEK
1,241,638,000,000
1,642,737,000,000 75.58%
BBCA
17,295,667,000,000 28,020,102,000,000 61.73%
BBKP
3,465,673,000,000
4,335,992,000,000 79.93%
BBNI
16,743,071,000,000 25,898,450,000,000 64.65%
BBNP
372,926,912,000
422,596,363,000 88.25%
BBRI
27,840,251,000,000 50,159,695,000,000 55.50%
BBTN
5,391,145,000,000
6,986,642,000,000 77.16%
BCIC
882,819,000,000
808,043,000,000 109.25%
BDMN
13,744,516,000,000 18,001,580,000,000 76.35%
BEKS
194,887,000,000
142,774,000,000 136.50%
BJBR
4,010,175,000,000
5,195,709,000,000 77.18%
BMRI
26,469,571,000,000 42,364,467,000,000 62.48%
BNBA
207,030,870,431
248,796,124,677 83.21%
BNGA
23,288,990,000,000 13,816,429,000,000 168.56%
BNII
7,728,203,000,000
8,495,301,000,000 90.97%
BNLI
5,262,609,000,000
6,786,825,000,000 77.54%
BSIM
853,070,000,000
994,680,000,000 85.76%
BSWD
118,413,714,958
176,463,223,593 67.10%
BTPN
4,593,717,000,000
5,739,822,000,000 80.03%
BVIC
911,965,369,000
1,041,236,404,000 87.58%
MAYA
944,826,257,000
1,072,377,445,000 88.11%
MEGA
3,697,957,000,000
4,766,334,000,000 77.58%
NISP
3,007,086,000,000
3,813,453,000,000 78.85%
PNBN
6,472,952,000,000
9,545,713,000,000 67.81%
SDRA
358,843,000,000
465,372,000,000 77.11%
MCOR
349,153,000,000
382,819,000,000 91.21%
INPC
1,445,651,524,520
1,574,946,015,492 91.79%
BKSW
224,248,908,760
244,209,105,660 91.83%
BABP
795,592,307,000
907,331,168,000 87.68%
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Data Variabel BOPO Tahun 2011
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban Operasional
Total Pendapatan
BOPO
(Rp)
Operasional (Rp)
(%)
AGRO
331,273,908,000
357,438,312,000 92.68%
BACA
383,389,000,000
424,958,000,000 90.22%
BAEK
1,348,243,000,000
2,603,630,000,000 51.78%
BBCA
18,482,090,000,000 49,832,711,000,000 37.09%
BBKP
4,047,405,000,000
4,889,331,000,000 82.78%
BBNI
18,629,984,000,000 28,293,271,000,000 65.85%
BBNP
521,285,816,000
636,322,682,000 81.92%
BBRI
30,822,899,000,000 53,940,323,000,000 57.14%
BBTN
6,490,348,000,000
8,068,121,000,000 80.44%
BCIC
1,187,229,000,000
1,129,256,000,000 105.13%
BDMN
16,313,362,000,000 21,095,612,000,000 77.33%
BEKS
547,350,000,000
593,473,000,000 92.23%
BJBR
4,942,324,000,000
6,213,783,000,000 79.54%
BMRI
32,266,058,000,000 49,498,370,000,000 65.19%
BNBA
229,943,343,352
277,859,271,192 82.76%
BNGA
12,094,971,000,000 17,052,975,000,000 70.93%
BNII
9,196,891,000,000 10,159,485,000,000 90.53%
BNLI
6,922,070,000,000
7,812,005,000,000 88.61%
BSIM
1,247,843,000,000
1,914,557,000,000 65.18%
BSWD
120,561,424,322
191,713,226,313 62.89%
BTPN
5,861,160,000,000
7,656,443,000,000 76.55%
BVIC
727,333,262,000
959,017,729,000 75.84%
MAYA
1,113,454,497,000
1,373,785,807,000 81.05%
MEGA
5,024,748,000,000
6,155,202,000,000 81.63%
NISP
3,634,659,000,000
4,838,032,000,000 75.13%
PNBN
8,466,011,000,000 12,083,440,000,000 70.06%
SDRA
498,664,000,000
617,369,000,000 80.77%
MCOR
473,257,000,000
514,460,000,000 91.99%
INPC
1,598,803,000,000
1,723,181,000,000 92.78%
BKSW
289,552,000,000
299,393,000,000 96.71%
BABP
1,014,509,807,000
893,595,053,000 113.53%
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Data Variabel BOPO Tahun 2012
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban Operasional Total Pendapatan
BOPO
(Rp)
Operasional (Rp)
(%)
AGRO
274,768,330,000
363,909,099,000
75.50%
BACA
409,094,000,000
472,067,000,000
86.66%
BAEK
1,638,101,000,000 2,842,897,000,000
57.62%
BBCA
21,005,555,000,000 30,499,240,000,000
68.87%
BBKP
4,397,820,000,000 5,426,331,000,000
81.05%
BBNI
19,984,628,000,000 31,150,328,000,000
64.16%
BBNP
622,118,258,000
770,551,484,000
80.74%
BBRI
32,617,687,000,000 58,000,153,000,000
56.24%
BBTN
7,305,321,000,000 9,390,073,000,000
77.80%
BCIC
1,229,779,000,000 1,359,595,000,000
90.45%
BDMN
17,788,488,000,000 23,506,880,000,000
75.67%
BEKS
1,349,510,000,000 1,593,676,000,000
84.68%
BJBR
5,706,807,000,000 7,112,521,000,000
80.24%
BMRI
33,932,878,000,000 54,448,264,000,000
62.32%
BNBA
260,867,324,737
331,131,288,178
78.78%
BNGA
12,542,818,000,000 18,910,881,000,000
66.33%
BNII
9,909,128,000,000 11,576,492,000,000
85.60%
BNLI
8,044,072,000,000 9,256,559,000,000
86.90%
BSIM
1,337,255,000,000 2,402,926,000,000
55.65%
BSWD
153,862,818,242
218,286,279,946
70.49%
BTPN
7,088,619,000,000 9,575,777,000,000
74.03%
BVIC
966,335,448,000 1,202,322,540,000
80.37%
MAYA
1,304,762,841,000 1,742,189,072,000
74.89%
MEGA
5,010,092,000,000 6,548,611,000,000
76.51%
NISP
4,299,653,000,000 5,760,036,000,000
74.65%
PNBN
9,519,713,000,000 13,327,467,000,000
71.43%
SDRA
694,886,000,000
852,723,000,000
81.49%
MCOR
527,183,000,000
622,503,000,000
84.69%
INPC
1,801,951,000,000 1,942,184,000,000
92.78%
BKSW
416,326,000,000
368,712,000,000 112.91%
BABP
746,782,517,000
754,257,650,000
99.01%
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Data Variabel BOPO Tahun 2013
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban
Total Pendapatan
BOPO
Operasional (Rp)
Operasional (Rp)
(%)
AGRO
375,554,672,000
473,314,788,000
79.35%
BACA
487,632,000,000
572,269,000,000
85.21%
BAEK
1,850,655,000,000 3,334,796,000,000
55.50%
BBCA
24,499,149,000,000 68,649,363,000,000
35.69%
BBKP
5,447,261,000,000 6,369,556,000,000
85.52%
BBNI
21,965,115,000,000 35,891,612,000,000
61.20%
BBNP
770,642,673,000
959,822,052,000
80.29%
BBRI
37,735,591,000,000 67,809,543,000,000
55.65%
BBTN
8,978,596,000,000 11,546,860,000,000
77.76%
BCIC
2,547,456,000,000 1,377,794,000,000 184.89%
BDMN
20,168,648,000,000 25,286,475,000,000
79.76%
BEKS
1,618,230,000,000 2,704,767,000,000
59.83%
BJBR
6,838,315,000,000 8,553,552,000,000
79.95%
BMRI
38,933,203,000,000 64,895,479,000,000
59.99%
BNBA
349,180,384,285
414,615,313,762
84.22%
BNGA
14,244,515,000,000 20,490,013,000,000
69.52%
BNII
10,572,345,000,000 12,862,998,000,000
82.19%
BNLI
10,173,836,000,000 11,210,504,000,000
90.75%
BSIM
1,379,277,000,000 2,491,737,000,000
55.35%
BSWD
189,623,732,321
305,438,403,143
62.08%
BTPN
8,465,694,000,000 11,343,452,000,000
74.63%
BVIC
1,323,250,339,000 1,619,238,953,000
81.72%
MAYA
1,813,066,473,000 2,361,123,209,000
76.79%
MEGA
5,444,070,000,000 6,051,930,000,000
89.96%
NISP
5,225,231,000,000 7,028,175,000,000
74.35%
PNBN
10,592,070,000,000 14,334,463,000,000
73.89%
SDRA
912,449,000,000 1,072,239,000,000
85.10%
MCOR
576,996,000,000
681,451,000,000
84.67%
INPC
1,738,315,000,000 2,045,687,000,000
84.97%
BKSW
667,770,000,000
662,307,000,000 100.82%
BABP
724,459,000,000
763,121,000,000
94.93%
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Data Variabel BOPO Tahun 2014
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban
Total Pendapatan
BOPO
Operasional (Rp)
Operasional (Rp)
(%)
AGRO
517,386,249,000
638,234,290,000
81.07%
BACA
722,936,000,000
822,566,000,000
87.89%
BAEK
2,295,129,000,000 3,531,494,000,000
64.99%
BBCA
32,290,459,000,000 84,821,926,000,000
38.07%
BBKP
6,613,920,000,000 7,586,168,000,000
87.18%
BBNI
27,092,015,000,000 44,080,298,000,000
61.46%
BBNP
949,886,664,000 1,121,312,863,000
84.71%
BBRI
50,340,117,000,000 84,421,353,000,000
59.63%
BBTN
11,384,041,000,000 13,702,148,000,000
83.08%
BCIC
1,769,927,000,000 1,270,117,000,000 139.35%
BDMN
23,691,316,000,000 27,327,396,000,000
86.69%
BEKS
1,829,038,000,000 2,608,198,000,000
70.13%
BJBR
7,941,889,000,000 9,128,734,000,000
87.00%
BMRI
48,879,869,000,000 77,325,757,000,000
63.21%
BNBA
480,978,239,579
551,752,589,653
87.17%
BNGA
16,953,851,000,000 22,942,768,000,000
73.90%
BNII
14,358,868,000,000 15,323,380,000,000
93.71%
BNLI
13,614,730,000,000 14,596,695,000,000
93.27%
BSIM
1,844,717,000,000 3,033,237,000,000
60.82%
BSWD
327,520,255,525
475,462,644,059
68.88%
BTPN
10,497,633,000,000 13,032,675,000,000
80.55%
BVIC
2,059,768,475,000 2,163,253,312,000
95.22%
MAYA
3,081,589,639,000 3,660,008,707,000
84.20%
MEGA
6,729,646,000,000 7,375,026,000,000
91.25%
NISP
6,652,771,000,000 8,650,814,000,000
76.90%
PNBN
13,573,527,000,000 17,369,669,000,000
78.14%
SDRA
237,633,000,000
429,681,000,000
55.30%
MCOR
852,655,000,000
920,941,000,000
92.59%
INPC
2,149,718,000,000 2,341,691,000,000
91.80%
BKSW
1,271,553,000,000 1,430,554,000,000
88.89%
BABP
852,559,000,000
823,588,000,000 103.52%
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Hasil Pengolahan Data
Analisis Deskriptif
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
Return on Asset (ROA)
155
.0005
.0943
.019793
.0128939
Capital Adequacy Ratio (CAR)
155
.0179
.4575
.147908
.0519815
Net Performing Loan (NPL)
155
.0000
.0882
.015908
.0148164
Net Interest Margin (NIM)
155
.0062
.1576
.062701
.0272182
Loan to Deposit Ratio (LDR)
155
.2771
1.3407
.813870
.1475778
BOPO
155
.3569
1.8489
.803607
.1873111
Valid N (listwise)
155
Uji Normalitas
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One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
155
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
1.264
.082
a. Test distribution is Normal.
b. Calculated from data.
Uji Heterokedastisitas
Uji Autokorelasi
Model
1
Durbin-Watson
1.918
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Uji Multkoliniearitas
Collinearity Statistics
Model
1
B
(Constant)
Tolerance
VIF
.018
Capital Adequacy Ratio
-.026
.938
1.066
Net Performing Loan
-.128
.870
1.149
.178
.840
1.190
-.016
.963
1.038
.013
.760
1.315
Net Interest Margin
Loan to Deposit Ratio
BOPO
Uji Statistik F
ANOVAb
Model
1
Sum of Squares
Df
Mean Square
Regression
.004
5
.001
Residual
.021
149
.000
Total
.026
154
F
Sig.
6.142
.000a
a. Predictors: (Constant), BOPO, Loan to Deposit Ratio, Capital Adequacy Ratio, Net Performing Loan, Net
Interest Margin
b. Dependent Variable: Return on Asset
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Uji Statistik t
Model
1
Unstandardized
Standardized
Coefficients
Coefficients
B
(Constant)
Std. Error
.018
.009
Capital Adequacy Ratio
-.026
.019
Net Performing Loan
-.128
Net Interest Margin
Loan to Deposit Ratio
BOPO
Beta
t
Sig.
1.951
.053
-.105
-1.358
.177
.070
-.147
-1.838
.068
.178
.039
.376
4.619
.000
-.016
.007
-.186
-2.445
.016
.013
.006
.184
2.149
.033
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Daftar Sampel Perusahaan
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Kode
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Daftar Sampel Perusahaan Perbankan
Nama Bank
Bank Rakyat Indonesia Agro Niaga Tbk
Bank Capital Indonesia Tbk
Bank Ekonomi Raharja Tbk
Bank Central Asia Tbk
Bank Bukopoin Tbk
Bank Negara Indonesia (Persero) Tbk
Bank Nusantara Parahyangan Tbk
Bank Rakyat Indonesia (Persero) Tbk
Bank Tabungan Negara (Persero) Tbk
Bank Mutiara Tbk
Bank Danamon Indonesia Tbk
Bank Pundi Indonesia Tbk
Bank Jabar Banten Tbk
Bank Mandiri (Persero) Tbk
Bank Bumi Artha Tbk
Bank CIMB Niaga Tbk
Bank Internasional Indonesia Tbk
Bank Permata Tbk
Bank Sinarmas Tbk
Bank Swadesi Tbk
Bank Tabungan Pensiunan Nasional Tbk
Bank Victoria International Tbk
Bank Mayapada International Tbk
Bank Mega Tbk
Bank NISP OCBC Tbk
Bank Pan Indonesia Tbk
Bank Himpunan Saudara 1906 Tbk
Bank Windu Kentjana Internatonal Tbk
Bank Artha Graha International Tbk
Bank Kesawan Tbk
Bank ICB Bumi Putra Tbk
Tanggal IPO
08-Aug-2003
08-Aug-2002
08-Jan-2008
31-May-2000
10-Jul-2006
25-Nov-1996
10-Jan-2001
10-Nov-2003
17-Dec-2009
25-Jun-1997
06-Dec-1989
13-Jul-2001
08-Jul-2010
14-Jul-2003
31-Dec-1999
29-Nov-1989
21-Nov-1989
15-Jan-1990
13-Dec-2010
01-May-2002
12-Mar-2008
30-Jun-1999
29-Aug-1997
17-Apr-2000
20-Oct-1994
29-Dec-1982
15-Dec-2006
03-Jul-2007
29-Aug-1990
21-Nov-2002
15-Jul-2002
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Lampiran 2
Data Variabel Penelitian
No
1
2
3
4
5
6
7
8
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10
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19
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31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2010
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
19,381,468,000
3,054,092,727,000
29,040,655,000
4,399,404,518,000
396,703,000,000
21,522,321,000,000
10,653,269,000,000
324,419,069,000,000
667,065,000,000
47,489,366,000,000
1,382,262,000,000
248,580,529,000,000
63,194,158,000
5,282,255,159,000
14,908,230,000,000
404,285,602,000,000
1,250,222,000,000
68,385,539,000,000
218,241,000,000
10,783,886,000,000
4,001,531,000,000
118,206,573,000,000
147,253,000,000
1,561,622,000,000
1,219,628,000,000
43,445,700,000,000
13,972,162,000,000
449,774,551,000,000
36,547,690,305
2,661,051,689,702
3,389,504,000,000
143,652,852,000,000
789,736,000,000
75,130,433,000,000
1,238,133,000,000
73,813,440,000,000
140,946,000,000
11,232,179,000,000
48,067,101,918,000
1,570,331,769,489,000
1,127,264,000,000
34,522,573,000,000
131,657,475,000
10,304,852,773,000
105,755,528,000
10,102,287,635,000
1,041,115,000,000
51,596,960,000,000
428,316,000,000
44,474,822,000,000
1,897,611,000,000
108,947,955,000,000
81,604,122,693,000
3,245,762,792,900,000
37,813,000,000
4,354,460,000,000
117,551,090,255,000 17,063,094,176,282,000
4,058,239,441,000
2,589,915,470,255,000
17,535,120,000
8,659,899,122,000
ROA (%)
0.63%
0.66%
1.84%
3.28%
1.40%
0.56%
1.20%
3.69%
1.83%
2.02%
3.39%
9.43%
2.81%
3.11%
1.37%
2.36%
1.05%
1.68%
1.25%
3.06%
3.27%
1.28%
1.05%
2.02%
0.96%
1.74%
2.51%
0.87%
0.69%
0.16%
0.20%
78
Universitas Sumatera Utara
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2011
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
44,985,281,000
3,481,155,340,000
34,310,000,000
4,694,939,000,000
326,825,000,000
24,099,084,000,000
13,618,758,000,000
381,908,353,000,000
940,404,000,000
57,183,463,000,000
7,461,308,000,000
299,058,161,000,000
91,757,601,000
6,566,510,103,000
18,755,880,000,000
469,899,284,000,000
1,522,260,000,000
89,121,459,000,000
243,287,000,000
13,127,198,000,000
4,551,581,000,000
142,292,206,000,000
88,646,000,000
5,993,039,000,000
1,319,816,000,000
54,448,658,000,000
16,512,035,000,000
551,891,704,000,000
57,015,636,700
2,963,148,453,513
4,391,782,000,000
166,801,130,000,000
985,306,000,000
94,919,111,000,000
1,558,818,000,000
101,324,002,000,000
155,077,000,000
16,658,656,000,000
64,541,516,776
2,080,427,739,215
1,783,341,000,000
46,651,141,000,000
239,238,525,000
11,802,562,942,000
230,477,283,000
12,951,201,232,000
1,191,316,000,000
61,909,027,000,000
1,005,875,000,000
59,834,397,000,000
2,736,366,000,000
124,755,428,000,000
121,807,000,000
5,085,762,000,000
48,375,000,000
6,452,794,000,000
139,810,000,000
19,185,436,000,000
15,550,000,000
3,593,817,000,000
143,293,605,000
7,281,534,934,000
ROA (%)
1.29%
0.73%
1.36%
3.57%
1.64%
2.49%
1.40%
3.99%
1.71%
1.85%
3.20%
1.48%
2.42%
2.99%
1.92%
2.63%
1.04%
1.54%
0.93%
3.10%
3.82%
2.03%
1.78%
1.92%
1.68%
2.19%
2.40%
0.75%
0.73%
0.43%
1.97%
79
Universitas Sumatera Utara
Data Variabel ROA Tahun 2012
ROA= Laba Sebelum Pajak/Total Asset x 100%
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Laba Sebelum Pajak (Rp)
51,471,054,000
62,561,000,000
246,890,000,000
14,686,046,000,000
1,059,370,000,000
8,899,562,000,000
115,153,801,000
23,859,572,000,000
1,863,202,000,000
144,081,000,000
5,486,679,000,000
68,220,000,000
1,512,499,000,000
20,504,268,000,000
77,467,035,432
5,786,927,000,000
1,695,869,000,000
1,888,081,000,000
285,479,000,000
73,921,748,519
2,485,314,000,000
252,594,217,000
351,140,867,000
1,566,014,000,000
1,222,241,000,000
3,042,464,000,000
160,367,000,000
128,018,000,000
49,697,000,000
34,424,000,000
6,010,082,000
Total Asset (Rp)
4,040,140,235,000
5,666,177,000,000
25,365,299,000,000
442,994,197,000,000
65,689,830,000,000
333,303,506,000,000
8,212,208,488,000
551,336,790,000,000
111,748,593,000,000
15,240,091,000,000
155,791,308,000,000
7,682,938,000,000
70,840,878,000,000
635,618,708,000,000
3,483,516,588,857
197,412,481,000,000
115,772,908,000,000
131,798,595,000,000
15,151,892,000,000
2,540,740,993,910
59,090,132,000,000
14,352,840,454,000
17,166,551,873,000
65,219,108,000,000
79,141,737,000,000
148,792,615,000,000
7,621,309,000,000
6,495,246,000,000
20,558,770,000,000
4,644,654,000,000
7,433,803,459,000
ROA (%)
1.27%
1.10%
0.97%
3.32%
1.61%
2.67%
1.40%
4.33%
1.67%
0.95%
3.52%
0.89%
2.14%
3.23%
2.22%
2.93%
1.46%
1.43%
1.88%
2.91%
4.21%
1.76%
2.05%
2.40%
1.54%
2.04%
2.10%
1.97%
0.24%
0.74%
0.08%
80
Universitas Sumatera Utara
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2013
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
71,589,231,000
5,124,070,015,000
93,343,000,000
7,139,276,000,000
324,728,000,000
28,750,162,000,000
17,815,606,000,000
496,304,573,000,000
1,193,605,000,000
69,457,663,000,000
11,278,165,000,000
386,654,815,000,000
141,923,108,000
9,985,735,803,000
27,910,066,000,000
626,182,926,000,000
2,140,771,000,000
131,169,730,000,000
1,112,976,000,000
14,576,094,000,000
5,530,213,000,000
184,237,348,000,000
102,429,000,000
9,003,124,000,000
1,752,874,000,000
70,958,233,000,000
24,061,837,000,000
733,099,762,000,000
78,854,904,089
4,045,672,277,612
5,832,017,000,000
218,866,409,000,000
2,184,224,000,000
140,546,751,000,000
2,301,503,000,000
165,833,922,000,000
286,100,000,000
17,447,455,000,000
109,583,379,645
3,601,335,866,618
2,868,855,000,000
69,661,464,000,000
311,950,209,000
19,153,130,890,000
509,628,250,000
24,015,571,540,000
632,550,000,000
66,475,698,000,000
1,529,716,000,000
97,524,537,000,000
3,252,163,000,000
164,055,578,000,000
272,623,000,000
6,221,880,000,000
118,708,000,000
7,917,214,000,000
293,613,000,000
21,197,512,000,000
5,087,000,000
11,047,615,000,000
66,541,000,000
8,165,865,000,000
ROA (%)
1.40%
1.31%
1.13%
3.59%
1.72%
2.92%
1.42%
4.46%
1.63%
7.64%
3.00%
1.14%
2.47%
3.28%
1.95%
2.66%
1.55%
1.39%
1.64%
3.04%
4.12%
1.63%
2.12%
0.95%
1.57%
1.98%
4.38%
1.50%
1.39%
0.05%
0.81%
81
Universitas Sumatera Utara
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel ROA Tahun 2014
ROA= Laba Sebelum Pajak/Total Asset x 100%
Laba Sebelum Pajak (Rp)
Total Asset (Rp)
85,353,649,000
6,385,191,484,000
98,896,000,000
9,251,776,000,000
89,154,000,000
29,726,856,000,000
20,741,121,000,000
552,423,892,000,000
971,121,000,000
79,051,268,000,000
13,524,310,000,000
416,573,708,000,000
130,448,583,000
9,468,873,488,000
30,859,073,000,000
801,955,021,000,000
1,548,172,000,000
144,575,961,000,000
669,934,000,000
12,682,021,000,000
3,553,534,000,000
195,708,593,000,000
148,229,000,000
9,044,046,000,000
1,438,490,000,000
75,836,537,000,000
26,008,015,000,000
855,039,673,000,000
70,541,753,499
5,155,422,644,599
3,200,169,000,000
233,162,423,000,000
959,834,000,000
143,318,466,000,000
2,046,223,000,000
185,349,861,000,000
200,895,000,000
21,259,549,000,000
142,022,485,716
5,199,184,618,629
2,522,528,000,000
75,014,737,000,000
121,532,701,000
21,364,882,284,000
580,328,464,000
36,173,590,792,000
697,981,000,000
66,647,891,000,000
1,776,712,000,000
103,123,179,000,000
3,477,071,000,000
172,581,667,000,000
188,798,000,000
16,432,776,000,000
71,448,000,000
9,769,591,000,000
177,777,000,000
23,453,347,000,000
161,911,000,000
20,839,018,000,000
70,033,000,000
9,430,264,000,000
ROA (%)
1.34%
1.07%
0.30%
3.75%
1.23%
3.25%
1.38%
3.85%
1.07%
5.28%
1.82%
1.64%
1.90%
3.04%
1.37%
1.37%
0.67%
1.10%
0.94%
2.73%
3.36%
0.57%
1.60%
1.05%
1.72%
2.01%
1.15%
0.73%
0.76%
0.78%
0.74%
82
Universitas Sumatera Utara
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel CAR Tahun 2010
CAR= Modal Bank/Total ATMR x 100%
Modal Bank (Rp)
Total ATMR (Rp)
278,016,000
1,777,461,000
557,573,000
1,903,415,000
2,292,988,000,000
12,037,035,000,000
27,722,168,000,000
205,349,477,000,000
2,668,385,000,000
22,129,345,000,000
29,506,937,000,000
141,407,029,000,000
535,060,000
4,135,630,000
31,710,589,000,000
230,447,032,000,000
6,069,569,000,000
36,265,214,000,000
690,734,000,000
6,187,835,000,000
15,552,141,000,000
96,938,654,000,000
298,803,000,000
2,049,068,000,000
4,207,265,000,000
50,166,717,000,000
35,654,733,000,000
266,846,641,000,000
388,719,067,680
1,554,185,438,167
15,453,251,000,000
232,383,486,000,000
7,140,575,000,000
56,450,403,000,000
8,748,844,000,000
57,934,246,000,000
974,124,000,000
6,906,512,000,000
306,375,000,000
1,140,421,000,000
3,892,194,000,000
47,745,459,000,000
645,982,109,000
5,983,903,537,000
1,522,136,000
7,462,633,000
4,405,094,000,000
29,301,148,000,000
6,876,414,000,000
39,014,869,000,000
10,793,317,000,000
65,078,846,000,000
387,663,000,000
5,553,223,000,000
521,478,000,000
2,922,754,000,000
1,607,288,241,915
11,067,937,280,366
169,493,130,562
1,580,395,332,209
771,577,000,000
6,107,455,000,000
CAR (%)
15.64%
29.29%
19.05%
13.50%
12.06%
20.87%
12.94%
13.76%
16.74%
11.16%
16.04%
14.58%
8.39%
13.36%
25.01%
6.65%
12.65%
15.10%
14.10%
26.87%
8.15%
10.80%
20.40%
15.03%
17.63%
16.58%
6.98%
17.84%
14.52%
10.72%
12.63%
83
Universitas Sumatera Utara
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2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Data Variabel CAR Tahun 2011
CAR= Modal Bank/Total ATMR x 100%
KODE
Modal Bank (Rp)
Total ATMR (Rp)
AGRO
305,446,315,000
1,863,351,686,000
BACA
603,290,000,000
2,796,080,000,000
BAEK
3,108,566,000,000
18,427,755,000,000
BBCA
37,173,136,000,000
280,197,088,000,000
BBKP
3,920,021,000,000
30,851,552,000,000
BBNI
32,691,914,000,000
158,488,457,000,000
BBNP
642,967,000
4,781,855,000
BBRI
41,815,988,000,000
279,602,642,000,000
BBTN
6,968,366,000,000
46,223,519,000,000
BCIC
912,414,000,000
9,696,523,000,000
BDMN
22,162,845,000,000
126,263,998,000,000
BEKS
431,900,000,000
3,594,245,000,000
BJBR
4,535,765,000,000
64,855,092,000,000
BMRI
54,084,246,000,000
352,519,994,000,000
BNBA
413,528,881,514
2,071,877,938,095
BNGA
19,567,944,000,000
297,331,546,000,000
BNII
8,788,210,000,000
73,082,389,000,000
BNLI
11,419,858,000,000
76,394,336,000,000
BSIM
1,382,626,000,000
9,887,258,000,000
BSWD
328,468,000,000
1,416,344,000,000
BTPN
5,009,906,000,000
68,698,078,000,000
BVIC
1,107,333,759,000
7,450,147,500,000
MAYA
1,514,314,000
10,315,378,000
MEGA
4,736,571,000,000
39,940,146,000,000
NISP
7,526,639,000,000
54,744,787,000,000
PNBN
14,507,907,000,000
83,138,538,000,000
SDRA
394,038,000,000
7,881,353,000,000
MCOR
572,479,000,000
4,905,447,000,000
INPC
1,651,615,000,000
13,159,331,000,000
BKSW
884,212,000,000
1,932,689,000,000
BABP
527,419,000,000
5,211,821,000,000
CAR (%)
16.39%
21.58%
16.87%
13.27%
12.71%
20.63%
13.45%
14.96%
15.08%
9.41%
17.55%
12.02%
6.99%
15.34%
19.96%
6.58%
12.03%
14.95%
13.98%
23.19%
7.29%
14.86%
14.68%
11.86%
13.75%
17.45%
5.00%
11.67%
12.55%
45.75%
10.12%
84
Universitas Sumatera Utara
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
KODE
AGRO
BACA
BAEK
BBCA
BBKP
BBNI
BBNP
BBRI
BBTN
BCIC
BDMN
BEKS
BJBR
BMRI
BNBA
BNGA
BNII
BNLI
BSIM
BSWD
BTPN
BVIC
MAYA
MEGA
NISP
PNBN
SDRA
MCOR
INPC
BKSW
BABP
Data Variabel CAR Tahun 2012
CAR= Modal Bank/Total ATMR x 100%
Modal Bank (Rp)
Total ATMR (Rp)
354,192,967,000
2,393,132,058,000
624,532,000,000
3,331,859,000,000
3,004,115,000,000
19,226,883,000,000
46,304,184,000,000
315,123,731,000,000
5,820,205,000,000
35,620,713,000,000
39,198,859,000,000
202,799,256,000,000
721,629,000
5,927,888,000
55,133,677,000,000
325,352,028,000,000
9,433,162,000,000
53,321,389,000,000
1,054,779,000,000
10,453,378,000,000
24,662,658,000,000
130,486,278,000,000
675,133,000,000
5,086,256,000,000
4,572,375,000,000
64,809,334,000,000
61,947,504,000,000
400,189,948,000,000
429,006,003,016
2,236,444,040,753
23,361,501,000,000
308,584,769,000,000
10,885,881,000,000
84,268,872,000,000
16,797,965,000,000
100,400,282,000,000
1,790,135,000,000
9,897,087,000,000
341,701,000,000
1,619,397,000,000
6,868,996,000,000
89,131,345,000,000
1,620,669,924,000
9,044,577,949,000
1,548,059,000
14,164,214,000
5,567,133,000,000
33,077,430,000,000
9,873,095,000,000
59,884,808,000,000
15,669,085,000,000
106,835,674,000,000
662,943,000,000
12,467,558,000,000
719,143,000,000
5,187,694,000,000
1,446,680,000,000
15,147,172,000,000
854,409,000,000
3,077,876,000,000
608,639,000,000
5,428,407,000,000
CAR (%)
14.80%
18.74%
15.62%
14.69%
16.34%
19.33%
12.17%
16.95%
17.69%
10.09%
18.90%
13.27%
7.06%
15.48%
19.18%
7.57%
12.92%
16.73%
18.09%
21.10%
7.71%
17.92%
10.93%
16.83%
16.49%
14.67%
5.32%
13.86%
9.55%
27.76%
11.21%
85
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Data Variabel CAR Tahun 2013
CAR= Modal Bank/Total ATMR x 100%
KODE
Modal Bank (Rp)
Total ATMR (Rp)
AGRO
843,207,216,000
3,904,012,931,000
BACA
852,686,000,000
4,236,092,000,000
BAEK
2,943,052,000,000
22,467,480,000,000
BBCA
58,604,765,000,000
365,510,273,000,000
BBKP
6,574,389,000,000
43,468,860,000,000
BBNI
43,563,420,000,000
251,141,940,000,000
BBNP
1,132,014,000
7,187,754,000
BBRI
69,472,036,000,000
408,858,393,000,000
BBTN
10,353,005,000,000
66,261,700,000,000
BCIC
1,398,860,000,000
9,968,125,000,000
BDMN
27,701,698,000,000
155,140,150,000,000
BEKS
764,739,000,000
6,691,848,000,000
BJBR
5,340,417,000,000
83,381,666,000,000
BMRI
73,345,421,000,000
491,276,170,000,000
BNBA
489,197,462,362
2,878,836,060,540
BNGA
26,877,844,000,000
348,033,654,000,000
BNII
13,390,460,000,000
104,909,778,000,000
BNLI
18,487,427,000,000
127,400,800,000,000
BSIM
2,637,497,000,000
12,088,898,000,000
BSWD
411,619,000,000
2,694,332,000,000
BTPN
8,972,273,000,000
107,394,333,000,000
BVIC
2,336,935,000,000
12,666,109,000,000
MAYA
2,757,058,000
19,596,665,000
MEGA
5,704,179,000,000
36,229,890,000,000
NISP
14,275,975,000,000
74,034,874,000,000
PNBN
18,756,291,000,000
122,398,542,000,000
SDRA
678,841,000,000
14,282,111,000,000
MCOR
966,668,000,000
6,583,700,000,000
INPC
2,695,768,000,000
16,539,984,000,000
BKSW
1,500,350,000,000
8,009,889,000,000
BABP
761,724,000,000
5,781,807,000,000
CAR (%)
21.60%
20.13%
13.10%
16.03%
15.12%
17.35%
15.75%
16.99%
15.62%
14.03%
17.86%
11.43%
6.40%
14.93%
16.99%
7.72%
12.76%
14.51%
21.82%
15.28%
8.35%
18.45%
14.07%
15.74%
19.28%
15.32%
4.75%
14.68%
16.30%
18.73%
13.17%
86
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Data Variabel CAR Tahun 2014
CAR= Modal Bank/Total ATMR x 100%
KODE
Modal Bank (Rp)
Total ATMR (Rp)
AGRO
902,376,278,000
4,733,908,205,000
BACA
925,852,000,000
5,633,486,000,000
BAEK
3,149,380,000,000
23,490,958,000,000
BBCA
70,961,097,000,000
411,665,878,000,000
BBKP
6,896,811,000,000
48,551,547,000,000
BBNI
50,352,050,000,000
268,430,052,000,000
BBNP
1,199,445,000
7,224,270,000
BBRI
85,706,557,000,000
468,182,076,000,000
BBTN
11,171,458,000,000
76,332,641,000,000
BCIC
1,055,792,000,000
7,734,119,000,000
BDMN
29,702,743,000,000
166,294,433,000,000
BEKS
708,909,000,000
7,052,809,000,000
BJBR
5,759,136,000,000
91,863,490,000,000
BMRI
85,479,697,000,000
514,904,536,000,000
BNBA
532,392,113,274
3,531,891,784,360
BNGA
29,622,900,000,000
383,696,458,000,000
BNII
1,884,651,000,000
105,486,413,000,000
BNLI
19,832,236,000,000
143,851,568,000,000
BSIM
2,976,939,000,000
16,197,119,000,000
BSWD
515,201,000,000
3,565,235,000,000
BTPN
10,904,893,000,000
128,837,180,000,000
BVIC
2,476,732,000,000
13,569,183,000,000
MAYA
2,985,448,000
28,606,865,000
MEGA
6,310,948,000,000
41,449,630,000,000
NISP
15,360,785,000,000
81,968,368,000,000
PNBN
20,278,682,000,000
129,835,707,000,000
SDRA
722,415,000,000
15,626,746,000,000
MCOR
1,152,179,000,000
8,143,268,000,000
INPC
2,949,866,000,000
18,804,389,000,000
BKSW
2,203,577,000,000
14,596,515,000,000
BABP
1,195,676,000,000
6,722,419,000,000
CAR (%)
19.06%
16.43%
13.41%
17.24%
14.21%
18.76%
16.60%
18.31%
14.64%
13.65%
17.86%
10.05%
6.27%
16.60%
15.07%
7.72%
1.79%
13.79%
18.38%
14.45%
8.46%
18.25%
10.44%
15.23%
18.74%
15.62%
4.62%
14.15%
15.69%
15.10%
17.79%
87
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Data Variabel NPL Tahun 2010-2014
NPL= Kredit Bermasalah/Kredit yang Diberikan x 100%
KODE
NPL (%)
NPL (%) NPL (%) NPL (%)
AGRO
8.82%
3.55%
3.68%
2.27%
BACA
0.99%
0.69%
1.57%
0.19%
BAEK
0.35%
0.74%
0.28%
0.72%
BBCA
0.60%
0.50%
0.40%
0.40%
BBKP
3.22%
2.88%
2.66%
2.26%
BBNI
1.11%
0.51%
0.75%
0.55%
BBNP
0.63%
0.78%
0.58%
0.45%
BBRI
2.78%
2.30%
1.78%
1.55%
BBTN
2.66%
2.23%
3.12%
3.04%
BCIC
4.84%
4.46%
3.16%
3.61%
BDMN
0.00%
0.00%
0.20%
1.10%
BEKS
4.03%
3.95%
4.81%
3.39%
BJBR
0.29%
0.41%
0.50%
0.64%
BMRI
0.54%
0.45%
0.37%
0.37%
BNBA
1.83%
0.50%
0.00%
0.00%
BNGA
1.92%
1.46%
1.11%
1.55%
BNII
1.74%
1.10%
0.81%
1.55%
BNLI
0.74%
0.55%
0.41%
0.31%
BSIM
1.11%
0.79%
2.57%
2.12%
BSWD
2.42%
1.40%
0.54%
0.40%
BTPN
1.10%
0.70%
0.60%
0.70%
BVIC
0.00%
0.22%
1.76%
0.32%
MAYA
3.27%
2.51%
3.02%
1.04%
MEGA
0.90%
0.98%
2.09%
2.17%
NISP
0.94%
0.59%
0.37%
0.35%
PNBN
2.68%
0.92%
0.48%
0.75%
SDRA
0.86%
1.08%
0.57%
0.41%
MCOR
1.12%
1.42%
1.44%
1.33%
INPC
2.00%
1.85%
0.80%
1.76%
BKSW
1.91%
0.82%
0.31%
0.10%
BABP
4.34%
6.25%
5.78%
4.88%
NPL (%)
2.02%
0.24%
1.61%
0.60%
2.78%
0.39%
1.41%
1.69%
2.79%
5.45%
1.30%
4.85%
1.04%
0.32%
0.08%
1.94%
1.48%
0.63%
2.56%
0.11%
0.70%
2.61%
1.46%
2.09%
0.80%
0.46%
1.81%
2.43%
1.69%
0.23%
5.88%
88
Universitas Sumatera Utara
Data Variabel NIM Tahun 2010
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
172,623,088,000
2,675,312,522,000
6.45%
2
BACA
105,268,097,000
3,223,820,891,000
3.27%
3
BAEK
850,483,000,000
17,517,418,000,000
4.86%
4
BBCA
12,936,828,000,000
213,994,321,000,000
6.05%
5
BBKP
3,832,626,000,000
42,285,799,000,000
9.06%
6
BBNI
18,837,397,000,000
182,335,532,000,000
10.33%
7
BBNP
231,835,783,000
4,510,582,391,000
5.14%
8
BBRI
32,888,603,000,000
322,036,865,000,000
10.21%
9
BBTN
3,354,818,000,000
55,369,171,000,000
6.06%
10
BCIC
141,174,000,000
8,604,817,000,000
1.64%
11
BDMN
9,908,450,000,000
84,183,888,000,000
11.77%
12
BEKS
139,649,000,000
2,826,778,000,000
4.94%
13
BJBR
2,639,581,000,000
35,939,965,000,000
7.34%
14
BMRI
19,518,609,000,000
270,025,207,000,000
7.23%
15
BNBA
127,810,620,471
2,089,625,430,186
6.12%
16
BNGA
7,326,293,000,000
112,104,370,000,000
6.54%
17
BNII
3,728,202,000,000
54,653,210,000,000
6.82%
18
BNLI
3,117,659,000,000
52,080,483,000,000
5.99%
19
BSIM
418,456,000,000
7,726,919,000,000
5.42%
20
BSWD
95,308,552,154
1,173,273,824,259
8.12%
21
BTPN
3,539,264,000,000
28,372,597,000,000
12.47%
22
BVIC
118,646,463,000
9,229,953,160,000
1.29%
23
MAYA
483,026,236,000
7,775,311,011,000
6.21%
24
MEGA
2,180,529,000,000
34,570,949,000,000
6.31%
25
NISP
1,806,666,000,000
31,666,421,000,000
5.71%
26
PNBN
4,202,472,000,000
73,817,317,000,000
5.69%
27
SDRA
262,932,000,000
2,592,735,000,000
10.14%
28
MCOR
135,963,000,000
3,502,281,000,000
3.88%
29
INPC
586,927,000,000
15,239,949,000,000
3.85%
30
BKSW
110,998,191,342
2,065,042,119,372
5.38%
31
BABP
394,899,700,000
7,278,204,639,000
5.43%
89
Universitas Sumatera Utara
Data Variabel NIM Tahun 2011
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
142,470,929,000
2,849,593,294,000
5.00%
2
BACA
110,444,000,000
3,138,680,000,000
3.52%
3
BAEK
928,562,000,000
18,216,231,000,000
5.10%
4
BBCA
18,053,836,000,000
243,941,303,000,000
7.40%
5
BBKP
4,617,461,000,000
47,139,083,000,000
9.80%
6
BBNI
13,195,814,000,000
207,988,590,000,000
6.34%
7
BBNP
293,948,580,000
5,423,639,799,000
5.42%
8
BBRI
34,427,076,000,000
348,748,935,000,000
9.87%
9
BBTN
3,785,873,000,000
74,765,005,000,000
5.06%
10
BCIC
229,611,000,000
12,155,123,000,000
1.89%
11
BDMN
10,849,101,000,000
101,334,085,000,000
10.71%
12
BEKS
242,492,000,000
4,243,456,000,000
5.71%
13
BJBR
3,061,209,000,000
38,454,755,000,000
7.96%
14
BMRI
21,775,982,000,000
360,204,646,000,000
6.05%
15
BNBA
145,524,087,963
2,398,086,409,555
6.07%
16
BNGA
7,926,830,000,000
130,439,114,000,000
6.08%
17
BNII
4,215,548,000,000
70,226,122,000,000
6.00%
18
BNLI
3,741,285,000,000
99,212,318,000,000
3.77%
19
BSIM
511,637,000,000
12,184,732,000,000
4.20%
20
BSWD
96,506,364,080
1,641,774,394,341
5.88%
21
BTPN
4,635,946,000,000
38,435,063,000,000
12.06%
22
BVIC
171,832,111,000
10,759,095,669,000
1.60%
23
MAYA
553,771,998,000
10,144,436,180,000
5.46%
24
MEGA
2,706,195,000,000
42,734,122,000,000
6.33%
25
NISP
2,255,442,000,000
44,624,365,000,000
5.05%
26
PNBN
4,990,240,000,000
86,652,619,000,000
5.76%
27
SDRA
320,239,000,000
3,974,984,000,000
8.06%
28
MCOR
191,422,000,000
5,457,282,000,000
3.51%
29
INPC
583,028,000,000
17,134,748,000,000
3.40%
30
BKSW
158,753,000,000
2,750,392,000,000
5.77%
31
BABP
362,654,110,000
5,748,010,394,000
6.31%
90
Universitas Sumatera Utara
Data Variabel NIM Tahun 2012
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
182,944,638,000
3,364,881,291,000
5.44%
2
BACA
162,175,000,000
3,739,485,000,000
4.34%
3
BAEK
957,906,000,000
19,414,788,000,000
4.93%
4
BBCA
21,238,123,000,000
286,045,941,000,000
7.42%
5
BBKP
5,126,381,000,000
53,062,282,000,000
9.66%
6
BBNI
15,458,991,000,000
232,316,364,000,000
6.65%
7
BBNP
388,288,761,000
7,062,057,065,000
5.50%
8
BBRI
36,483,766,000,000
407,362,687,000,000
8.96%
9
BBTN
4,726,819,000,000
94,181,820,000,000
5.02%
10
BCIC
441,782,000,000
14,013,803,000,000
3.15%
11
BDMN
12,922,108,000,000
100,906,374,000,000
12.81%
12
BEKS
995,224,000,000
6,314,740,000,000
15.76%
13
BJBR
3,655,375,000,000
47,852,971,000,000
7.64%
14
BMRI
27,530,592,000,000
428,458,371,000,000
6.43%
15
BNBA
186,524,492,639
2,943,719,865,638
6.34%
16
BNGA
9,709,219,000,000
155,878,504,000,000
6.23%
17
BNII
5,313,735,000,000
85,734,146,000,000
6.20%
18
BNLI
4,808,409,000,000
136,524,801,000,000
3.52%
19
BSIM
780,192,000,000
11,295,404,000,000
6.91%
20
BSWD
97,662,557,251
2,101,439,016,361
4.65%
21
BTPN
6,071,114,000,000
48,780,474,000,000
12.45%
22
BVIC
338,753,664,000
12,978,205,279,000
2.61%
23
MAYA
742,214,112,000
14,064,719,408,000
5.28%
24
MEGA
3,342,112,000,000
36,405,303,000,000
9.18%
25
NISP
2,566,027,000,000
58,488,764,000,000
4.39%
26
PNBN
5,473,867,000,000
100,209,907,000,000
5.46%
27
SDRA
432,420,000,000
6,458,931,000,000
6.69%
28
MCOR
267,933,000,000
5,391,906,000,000
4.97%
29
INPC
826,029,000,000
17,771,104,000,000
4.65%
30
BKSW
172,509,000,000
3,736,967,000,000
4.62%
31
BABP
357,765,338,000
6,198,813,940,000
5.77%
91
Universitas Sumatera Utara
Data Variabel NIM Tahun 2013
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
225,141,343,000
4,111,964,872,000
5.48%
2
BACA
209,042,000,000
4,891,347,000,000
4.27%
3
BAEK
1,159,413,000,000
20,538,958,000,000
5.64%
4
BBCA
26,425,140,000,000
322,380,465,000,000
8.20%
5
BBKP
5,950,023,000,000
59,014,178,000,000
10.08%
6
BBNI
19,058,281,000,000
271,372,145,000,000
7.02%
7
BBNP
431,168,876,000
8,175,358,013,000
5.27%
8
BBRI
44,106,271,000,000
465,109,584,000,000
9.48%
9
BBTN
5,653,323,000,000
106,464,860,000,000
5.31%
10
BCIC
293,690,000,000
11,210,999,000,000
2.62%
11
BDMN
13,531,043,000,000
116,202,818,000,000
11.64%
12
BEKS
972,949,000,000
7,029,520,000,000
13.84%
13
BJBR
4,782,143,000,000
58,438,960,000,000
8.18%
14
BMRI
33,809,418,000,000
509,789,783,000,000
6.63%
15
BNBA
212,285,979,620
3,302,396,790,131
6.43%
16
BNGA
10,120,691,000,000
162,439,718,000,000
6.23%
17
BNII
5,514,870,000,000
101,572,594,000,000
5.43%
18
BNLI
5,135,555,000,000
156,747,203,000,000
3.28%
19
BSIM
826,360,000,000
12,668,274,000,000
6.52%
20
BSWD
141,044,430,160
2,776,537,380,111
5.08%
21
BTPN
7,048,449,000,000
49,765,978,000,000
14.16%
22
BVIC
415,264,181,000
12,635,382,432,000
3.29%
23
MAYA
1,003,372,682,000
20,065,695,919,000
5.00%
24
MEGA
2,696,051,000,000
42,724,606,000,000
6.31%
25
NISP
3,139,288,000,000
69,214,432,000,000
4.54%
26
PNBN
6,085,674,000,000
112,714,463,000,000
5.40%
27
SDRA
505,830,000,000
6,779,595,000,000
7.46%
28
MCOR
288,099,000,000
6,536,675,000,000
4.41%
29
INPC
998,257,000,000
18,286,702,000,000
5.46%
30
BKSW
230,945,000,000
9,459,372,000,000
2.44%
31
BABP
286,067,000,000
6,715,990,000,000
4.26%
92
Universitas Sumatera Utara
Data Variabel NIM Tahun 2014
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100%
No
KODE
Pendapatan Bunga
Rata-rata Aktiva
NIM (%)
Bersih (Rp)
Produktif (Rp)
1
AGRO
259,192,209,000
5,209,385,648,000
4.98%
2
BACA
221,761,000,000
6,270,925,000,000
3.54%
3
BAEK
1,147,211,000,000
20,165,043,000,000
5.69%
4
BBCA
32,026,694,000,000
355,975,517,000,000
9.00%
5
BBKP
7,093,455,000,000
68,261,076,000,000
10.39%
6
BBNI
22,376,301,000,000
232,316,364,000,000
9.63%
7
BBNP
437,717,455,000
7,754,074,433,000
5.64%
8
BBRI
51,442,410,000,000
552,078,598,000,000
9.32%
9
BBTN
5,464,581,000,000
117,382,580,000,000
4.66%
10
BCIC
65,601,000,000
10,506,386,000,000
0.62%
11
BDMN
13,679,836,000,000
121,306,988,000,000
11.28%
12
BEKS
804,416,000,000
7,094,688,000,000
11.34%
13
BJBR
4,461,598,000,000
61,667,220,000,000
7.23%
14
BMRI
39,132,424,000,000
575,551,432,000,000
6.80%
15
BNBA
226,095,857,419
4,256,899,200,323
5.31%
16
BNGA
10,689,495,000,000
175,876,074,000,000
6.08%
17
BNII
5,931,696,000,000
102,926,326,000,000
5.76%
18
BNLI
5,429,499,000,000
160,372,518,000,000
3.39%
19
BSIM
987,625,000,000
16,470,415,000,000
6.00%
20
BSWD
174,691,755,367
3,802,740,028,725
4.59%
21
BTPN
7,040,783,000,000
56,302,980,000,000
12.51%
22
BVIC
337,619,803,000
14,753,478,530,000
2.29%
23
MAYA
1,165,240,025,000
30,137,830,845,000
3.87%
24
MEGA
2,745,049,000,000
43,221,181,000,000
6.35%
25
NISP
3,744,698,000,000
72,587,287,000,000
5.16%
26
PNBN
6,206,941,000,000
117,408,310,000,000
5.29%
27
SDRA
215,312,000,000
6,008,881,000,000
3.58%
28
MCOR
296,502,000,000
7,943,306,000,000
3.73%
29
INPC
954,776,000,000
19,926,579,000,000
4.79%
30
BKSW
406,622,000,000
18,461,780,000,000
2.20%
31
BABP
236,281,000,000
7,870,515,000,000
3.00%
93
Universitas Sumatera Utara
Data Variabel LDR Tahun 2010
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR (%)
Diberikan (Rp)
Ketiga (Rp)
1
AGRO
1,859,381,731,000
1,386,868,473,000 134.07%
2
BACA
1,817,950,714,000
3,617,301,460,000
50.26%
3
BAEK
11,357,891,000,000
18,396,436,000,000
61.74%
4
BBCA
153,923,157,000,000
277,530,635,000,000
55.46%
5
BBKP
29,398,321,000,000
41,377,255,000,000
71.05%
6
BBNI
129,399,567,000,000
194,374,685,000,000
66.57%
7
BBNP
3,622,503,192,000
4,544,400,188,000
79.71%
8
BBRI
232,972,784,000,000
333,652,397,000,000
69.82%
9
BBTN
48,702,920,000,000
47,546,047,000,000 102.43%
10
BCIC
5,012,936,000,000
8,900,800,000,000
56.32%
11
BDMN
73,268,325,000,000
79,642,803,000,000
92.00%
12
BEKS
321,343,000,000
1,159,818,000,000
27.71%
13
BJBR
21,491,791,000,000
31,019,700,000,000
69.28%
14
BMRI
232,545,259,000,000
362,212,154,000,000
64.20%
15
BNBA
1,154,339,364,218
2,159,541,719,474
53.45%
16
BNGA
100,350,214,000,000
117,833,233,000,000
85.16%
17
BNII
50,181,865,000,000
59,901,960,000,000
83.77%
18
BNLI
51,253,361,000,000
59,385,311,000,000
86.31%
19
BSIM
6,934,158,000,000
9,819,214,000,000
70.62%
20
BSWD
1,050,806,763,120
1,226,475,305,026
85.68%
21
BTPN
22,987,493,000,000
25,526,479,000,000
90.05%
22
BVIC
3,187,219,009,000
8,896,067,077,000
35.83%
23
MAYA
5,931,676,175,000
7,792,117,908,000
76.12%
24
MEGA
23,613,208,000,000
42,083,813,000,000
56.11%
25
NISP
27,360,530,000,000
35,862,518,000,000
76.29%
26
PNBN
55,682,562,000,000
75,279,720,000,000
73.97%
27
SDRA
2,507,415,000,000
2,550,806,000,000
98.30%
28
MCOR
2,905,446,000,000
3,625,685,000,000
80.14%
29
INPC
10,985,189,793,469
14,681,980,044,282
74.82%
30
BKSW
1,682,306,598,106
2,372,317,778,567
70.91%
31
BABP
6,028,296,038,000
7,213,672,462,000
83.57%
94
Universitas Sumatera Utara
Data Variabel LDR Tahun 2011
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
1,823,057,271,000
3,054,289,337,000 59.69%
2
BACA
1,740,790,000,000
3,975,641,000,000 43.79%
3
BAEK
13,861,166,000,000 20,072,498,000,000 69.06%
4
BBCA
198,440,354,000,000 323,427,592,000,000 61.36%
5
BBKP
39,851,153,000,000 47,929,226,000,000 83.15%
6
BBNI
156,504,508,000,000 231,295,740,000,000 67.66%
7
BBNP
4,810,026,912,000
5,653,943,755,000 85.07%
8
BBRI
269,454,726,000,000 384,264,345,000,000 70.12%
9
BBTN
58,533,169,000,000 61,970,015,000,000 94.45%
10
BCIC
9,140,800,000,000 11,199,975,000,000 81.61%
11
BDMN
85,462,799,000,000 85,978,327,000,000 99.40%
12
BEKS
3,337,893,000,000
5,322,511,000,000 62.71%
13
BJBR
26,490,566,000,000 37,008,488,000,000 71.58%
14
BMRI
298,988,258,000,000 384,728,603,000,000 77.71%
15
BNBA
1,609,854,098,430
2,420,015,909,775 66.52%
16
BNGA
119,577,189,000,000 131,814,304,000,000 90.72%
17
BNII
62,807,916,000,000 70,322,917,000,000 89.31%
18
BNLI
89,960,527,000,000 82,783,287,000,000 108.67%
19
BSIM
10,135,442,000,000 14,853,064,000,000 68.24%
20
BSWD
1,413,686,738,871
1,675,844,627,534 84.36%
21
BTPN
30,000,664,000,000 35,618,000,000,000 84.23%
22
BVIC
5,802,341,922,000
9,249,008,152,000 62.73%
23
MAYA
8,569,366,460,000 10,667,258,457,000 80.33%
24
MEGA
31,406,691,000,000 49,138,687,000,000 63.91%
25
NISP
40,541,352,000,000 47,419,539,000,000 85.50%
26
PNBN
69,079,311,000,000 85,748,532,000,000 80.56%
27
SDRA
3,311,921,000,000
4,087,992,000,000 81.02%
28
MCOR
4,629,933,000,000
5,813,692,000,000 79.64%
29
INPC
13,111,321,000,000 16,296,638,000,000 80.45%
30
BKSW
1,983,974,000,000
2,644,465,999,000 75.02%
31
BABP
4,944,113,572,000
6,011,363,815,000 82.25%
95
Universitas Sumatera Utara
Data Variabel LDR Tahun 2012
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
2,531,073,097,000
2,964,289,337,000 85.39%
2
BACA
2,813,287,000,000
4,778,019,000,000 58.88%
3
BAEK
17,077,297,000,000 20,960,549,000,000 81.47%
4
BBCA
252,760,457,000,000 370,274,199,000,000 68.26%
5
BBKP
44,594,681,000,000 53,957,758,000,000 82.65%
6
BBNI
193,834,670,000,000 257,660,841,000,000 75.23%
7
BBNP
5,884,622,960,000
6,925,186,196,000 84.97%
8
BBRI
336,081,042,000,000 450,166,383,000,000 74.66%
9
BBTN
74,621,792,000,000 80,667,983,000,000 92.50%
10
BCIC
10,946,347,000,000 13,461,508,000,000 81.32%
11
BDMN
90,828,149,000,000 89,897,866,000,000 101.03%
12
BEKS
5,358,287,000,000
6,756,642,000,000 79.30%
13
BJBR
35,374,390,000,000 47,632,863,000,000 74.26%
14
BMRI
370,570,356,000,000 442,837,863,000,000 83.68%
15
BNBA
2,225,685,229,781
2,874,841,031,224 77.42%
16
BNGA
137,104,439,000,000 151,015,119,000,000 90.79%
17
BNII
76,087,918,000,000 85,946,647,000,000 88.53%
18
BNLI
122,830,812,000,000 104,914,477,000,000 117.08%
19
BSIM
10,293,836,000,000 12,860,714,000,000 80.04%
20
BSWD
1,825,422,913,747
1,972,256,325,029 92.56%
21
BTPN
38,844,096,000,000 45,072,603,000,000 86.18%
22
BVIC
7,823,868,186,000 11,515,732,426,000 67.94%
23
MAYA
12,079,060,396,000 15,160,619,539,000 79.67%
24
MEGA
26,650,298,000,000 50,265,395,000,000 53.02%
25
NISP
51,874,088,000,000 60,760,680,000,000 85.37%
26
PNBN
91,651,941,000,000 102,695,260,000,000 89.25%
27
SDRA
5,203,977,000,000
6,226,709,000,000 83.58%
28
MCOR
4,525,245,000,000
5,598,481,000,000 80.83%
29
INPC
15,201,934,000,000 17,399,114,000,000 87.37%
30
BKSW
3,168,908,000,000
3,633,084,000,000 87.22%
31
BABP
5,043,064,872,000
6,433,765,425,000 78.38%
96
Universitas Sumatera Utara
Data Variabel LDR Tahun 2013
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
3,698,592,953,000
4,120,253,833,000 89.77%
2
BACA
3,734,689,000,000
5,893,147,000,000 63.37%
3
BAEK
19,445,148,000,000 23,346,875,000,000 83.29%
4
BBCA
306,679,132,000,000 409,485,763,000,000 74.89%
5
BBKP
47,663,059,000,000 55,822,392,000,000 85.38%
6
BBNI
250,637,843,000,000 282,739,954,000,000 88.65%
7
BBNP
6,988,226,983,000
8,358,395,276,000 83.61%
8
BBRI
419,144,730,000,000 504,281,382,000,000 83.12%
9
BBTN
99,330,214,000,000 96,207,622,000,000 103.25%
10
BCIC
10,128,316,000,000 11,558,081,000,000 87.63%
11
BDMN
103,468,254,000,000 109,161,182,000,000 94.78%
12
BEKS
6,552,710,000,000
7,673,461,000,000 85.39%
13
BJBR
45,308,580,000,000 46,874,161,000,000 96.66%
14
BMRI
450,634,798,000,000 508,996,256,000,000 88.53%
15
BNBA
2,821,070,304,428
3,367,519,751,423 83.77%
16
BNGA
149,691,501,000,000 163,737,362,000,000 91.42%
17
BNII
95,469,670,000,000 107,239,558,000,000 89.02%
18
BNLI
150,976,854,000,000 133,074,926,000,000 113.45%
19
BSIM
10,909,738,000,000 13,819,061,000,000 78.95%
20
BSWD
2,547,310,331,425
2,740,214,130,089 92.96%
21
BTPN
44,751,099,000,000 50,898,238,000,000 87.92%
22
BVIC
11,220,398,650,000 14,153,081,734,000 79.28%
23
MAYA
17,568,210,907,000 17,992,895,286,000 97.64%
24
MEGA
29,779,302,000,000 52,372,043,000,000 56.86%
25
NISP
62,706,614,000,000 68,936,691,000,000 90.96%
26
PNBN
103,071,931,000,000 120,256,653,000,000 85.71%
27
SDRA
6,120,888,000,000
6,802,289,000,000 89.98%
28
MCOR
5,483,875,000,000
6,571,488,000,000 83.45%
29
INPC
15,352,474,000,000 17,363,406,000,000 88.42%
30
BKSW
8,208,542,000,000
7,244,934,000,000 113.30%
31
BABP
5,378,179,000,000
6,834,891,000,000 78.69%
97
Universitas Sumatera Utara
Data Variabel LDR Tahun 2014
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100%
No
KODE
Jumlah Kredit yang
Total Dana Pihak
LDR
Diberikan (Rp)
Ketiga (Rp)
(%)
1
AGRO
4,694,580,210,000
5,206,253,466,000 90.17%
2
BACA
4,729,920,000,000
8,112,281,000,000 58.31%
3
BAEK
19,565,407,000,000 23,490,978,000,000 83.29%
4
BBCA
339,306,154,000,000 447,905,756,000,000 75.75%
5
BBKP
55,262,577,000,000 65,390,790,000,000 84.51%
6
BBNI
270,651,986,000,000 300,264,809,000,000 90.14%
7
BBNP
6,631,713,493,000
7,876,659,880,000 84.19%
8
BBRI
479,211,143,000,000 622,321,846,000,000 77.00%
9
BBTN
114,339,226,000,000 106,470,677,000,000 107.39%
10
BCIC
7,234,672,000,000 11,026,739,000,000 65.61%
11
BDMN
106,774,211,000,000 116,495,224,000,000 91.66%
12
BEKS
6,419,108,000,000
7,639,046,000,000 84.03%
13
BJBR
49,616,998,000,000 53,118,800,000,000 93.41%
14
BMRI
505,394,870,000,000 583,448,911,000,000 86.62%
15
BNBA
3,528,464,915,445
4,450,002,570,007 79.29%
16
BNGA
169,380,619,000,000 174,723,234,000,000 96.94%
17
BNII
98,030,670,000,000 101,863,992,000,000 96.24%
18
BNLI
157,876,854,000,000 148,005,560,000,000 106.67%
19
BSIM
14,223,357,000,000 16,946,231,000,000 83.93%
20
BSWD
3,129,866,982,845
3,585,345,484,205 87.30%
21
BTPN
49,494,487,000,000 51,140,850,000,000 96.78%
22
BVIC
12,430,390,016,000 16,177,977,811,000 76.84%
23
MAYA
25,942,815,020,000 26,581,979,581,000 97.60%
24
MEGA
33,207,612,000,000 51,021,875,000,000 65.09%
25
NISP
66,933,612,000,000 72,805,057,000,000 91.94%
26
PNBN
111,944,302,000,000 126,105,253,000,000 88.77%
27
SDRA
11,306,632,000,000 11,303,958,000,000 100.02%
28
MCOR
6,908,478,000,000
8,188,680,000,000 84.37%
29
INPC
17,018,062,000,000 19,573,542,000,000 86.94%
30
BKSW
15,106,120,000,000 16,161,710,000,000 93.47%
31
BABP
6,128,833,000,000
7,734,434,000,000 79.24%
98
Universitas Sumatera Utara
No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Data Variabel BOPO Tahun 2010
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban Operasional
Total Pendapatan
BOPO
(Rp)
Operasional (Rp)
(%)
AGRO
310,199,954,000
372,482,687,000 83.28%
BACA
321,882,292,000
344,333,602,000 93.48%
BAEK
1,241,638,000,000
1,642,737,000,000 75.58%
BBCA
17,295,667,000,000 28,020,102,000,000 61.73%
BBKP
3,465,673,000,000
4,335,992,000,000 79.93%
BBNI
16,743,071,000,000 25,898,450,000,000 64.65%
BBNP
372,926,912,000
422,596,363,000 88.25%
BBRI
27,840,251,000,000 50,159,695,000,000 55.50%
BBTN
5,391,145,000,000
6,986,642,000,000 77.16%
BCIC
882,819,000,000
808,043,000,000 109.25%
BDMN
13,744,516,000,000 18,001,580,000,000 76.35%
BEKS
194,887,000,000
142,774,000,000 136.50%
BJBR
4,010,175,000,000
5,195,709,000,000 77.18%
BMRI
26,469,571,000,000 42,364,467,000,000 62.48%
BNBA
207,030,870,431
248,796,124,677 83.21%
BNGA
23,288,990,000,000 13,816,429,000,000 168.56%
BNII
7,728,203,000,000
8,495,301,000,000 90.97%
BNLI
5,262,609,000,000
6,786,825,000,000 77.54%
BSIM
853,070,000,000
994,680,000,000 85.76%
BSWD
118,413,714,958
176,463,223,593 67.10%
BTPN
4,593,717,000,000
5,739,822,000,000 80.03%
BVIC
911,965,369,000
1,041,236,404,000 87.58%
MAYA
944,826,257,000
1,072,377,445,000 88.11%
MEGA
3,697,957,000,000
4,766,334,000,000 77.58%
NISP
3,007,086,000,000
3,813,453,000,000 78.85%
PNBN
6,472,952,000,000
9,545,713,000,000 67.81%
SDRA
358,843,000,000
465,372,000,000 77.11%
MCOR
349,153,000,000
382,819,000,000 91.21%
INPC
1,445,651,524,520
1,574,946,015,492 91.79%
BKSW
224,248,908,760
244,209,105,660 91.83%
BABP
795,592,307,000
907,331,168,000 87.68%
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Data Variabel BOPO Tahun 2011
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban Operasional
Total Pendapatan
BOPO
(Rp)
Operasional (Rp)
(%)
AGRO
331,273,908,000
357,438,312,000 92.68%
BACA
383,389,000,000
424,958,000,000 90.22%
BAEK
1,348,243,000,000
2,603,630,000,000 51.78%
BBCA
18,482,090,000,000 49,832,711,000,000 37.09%
BBKP
4,047,405,000,000
4,889,331,000,000 82.78%
BBNI
18,629,984,000,000 28,293,271,000,000 65.85%
BBNP
521,285,816,000
636,322,682,000 81.92%
BBRI
30,822,899,000,000 53,940,323,000,000 57.14%
BBTN
6,490,348,000,000
8,068,121,000,000 80.44%
BCIC
1,187,229,000,000
1,129,256,000,000 105.13%
BDMN
16,313,362,000,000 21,095,612,000,000 77.33%
BEKS
547,350,000,000
593,473,000,000 92.23%
BJBR
4,942,324,000,000
6,213,783,000,000 79.54%
BMRI
32,266,058,000,000 49,498,370,000,000 65.19%
BNBA
229,943,343,352
277,859,271,192 82.76%
BNGA
12,094,971,000,000 17,052,975,000,000 70.93%
BNII
9,196,891,000,000 10,159,485,000,000 90.53%
BNLI
6,922,070,000,000
7,812,005,000,000 88.61%
BSIM
1,247,843,000,000
1,914,557,000,000 65.18%
BSWD
120,561,424,322
191,713,226,313 62.89%
BTPN
5,861,160,000,000
7,656,443,000,000 76.55%
BVIC
727,333,262,000
959,017,729,000 75.84%
MAYA
1,113,454,497,000
1,373,785,807,000 81.05%
MEGA
5,024,748,000,000
6,155,202,000,000 81.63%
NISP
3,634,659,000,000
4,838,032,000,000 75.13%
PNBN
8,466,011,000,000 12,083,440,000,000 70.06%
SDRA
498,664,000,000
617,369,000,000 80.77%
MCOR
473,257,000,000
514,460,000,000 91.99%
INPC
1,598,803,000,000
1,723,181,000,000 92.78%
BKSW
289,552,000,000
299,393,000,000 96.71%
BABP
1,014,509,807,000
893,595,053,000 113.53%
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Data Variabel BOPO Tahun 2012
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban Operasional Total Pendapatan
BOPO
(Rp)
Operasional (Rp)
(%)
AGRO
274,768,330,000
363,909,099,000
75.50%
BACA
409,094,000,000
472,067,000,000
86.66%
BAEK
1,638,101,000,000 2,842,897,000,000
57.62%
BBCA
21,005,555,000,000 30,499,240,000,000
68.87%
BBKP
4,397,820,000,000 5,426,331,000,000
81.05%
BBNI
19,984,628,000,000 31,150,328,000,000
64.16%
BBNP
622,118,258,000
770,551,484,000
80.74%
BBRI
32,617,687,000,000 58,000,153,000,000
56.24%
BBTN
7,305,321,000,000 9,390,073,000,000
77.80%
BCIC
1,229,779,000,000 1,359,595,000,000
90.45%
BDMN
17,788,488,000,000 23,506,880,000,000
75.67%
BEKS
1,349,510,000,000 1,593,676,000,000
84.68%
BJBR
5,706,807,000,000 7,112,521,000,000
80.24%
BMRI
33,932,878,000,000 54,448,264,000,000
62.32%
BNBA
260,867,324,737
331,131,288,178
78.78%
BNGA
12,542,818,000,000 18,910,881,000,000
66.33%
BNII
9,909,128,000,000 11,576,492,000,000
85.60%
BNLI
8,044,072,000,000 9,256,559,000,000
86.90%
BSIM
1,337,255,000,000 2,402,926,000,000
55.65%
BSWD
153,862,818,242
218,286,279,946
70.49%
BTPN
7,088,619,000,000 9,575,777,000,000
74.03%
BVIC
966,335,448,000 1,202,322,540,000
80.37%
MAYA
1,304,762,841,000 1,742,189,072,000
74.89%
MEGA
5,010,092,000,000 6,548,611,000,000
76.51%
NISP
4,299,653,000,000 5,760,036,000,000
74.65%
PNBN
9,519,713,000,000 13,327,467,000,000
71.43%
SDRA
694,886,000,000
852,723,000,000
81.49%
MCOR
527,183,000,000
622,503,000,000
84.69%
INPC
1,801,951,000,000 1,942,184,000,000
92.78%
BKSW
416,326,000,000
368,712,000,000 112.91%
BABP
746,782,517,000
754,257,650,000
99.01%
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Data Variabel BOPO Tahun 2013
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban
Total Pendapatan
BOPO
Operasional (Rp)
Operasional (Rp)
(%)
AGRO
375,554,672,000
473,314,788,000
79.35%
BACA
487,632,000,000
572,269,000,000
85.21%
BAEK
1,850,655,000,000 3,334,796,000,000
55.50%
BBCA
24,499,149,000,000 68,649,363,000,000
35.69%
BBKP
5,447,261,000,000 6,369,556,000,000
85.52%
BBNI
21,965,115,000,000 35,891,612,000,000
61.20%
BBNP
770,642,673,000
959,822,052,000
80.29%
BBRI
37,735,591,000,000 67,809,543,000,000
55.65%
BBTN
8,978,596,000,000 11,546,860,000,000
77.76%
BCIC
2,547,456,000,000 1,377,794,000,000 184.89%
BDMN
20,168,648,000,000 25,286,475,000,000
79.76%
BEKS
1,618,230,000,000 2,704,767,000,000
59.83%
BJBR
6,838,315,000,000 8,553,552,000,000
79.95%
BMRI
38,933,203,000,000 64,895,479,000,000
59.99%
BNBA
349,180,384,285
414,615,313,762
84.22%
BNGA
14,244,515,000,000 20,490,013,000,000
69.52%
BNII
10,572,345,000,000 12,862,998,000,000
82.19%
BNLI
10,173,836,000,000 11,210,504,000,000
90.75%
BSIM
1,379,277,000,000 2,491,737,000,000
55.35%
BSWD
189,623,732,321
305,438,403,143
62.08%
BTPN
8,465,694,000,000 11,343,452,000,000
74.63%
BVIC
1,323,250,339,000 1,619,238,953,000
81.72%
MAYA
1,813,066,473,000 2,361,123,209,000
76.79%
MEGA
5,444,070,000,000 6,051,930,000,000
89.96%
NISP
5,225,231,000,000 7,028,175,000,000
74.35%
PNBN
10,592,070,000,000 14,334,463,000,000
73.89%
SDRA
912,449,000,000 1,072,239,000,000
85.10%
MCOR
576,996,000,000
681,451,000,000
84.67%
INPC
1,738,315,000,000 2,045,687,000,000
84.97%
BKSW
667,770,000,000
662,307,000,000 100.82%
BABP
724,459,000,000
763,121,000,000
94.93%
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Data Variabel BOPO Tahun 2014
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
KODE
Total Beban
Total Pendapatan
BOPO
Operasional (Rp)
Operasional (Rp)
(%)
AGRO
517,386,249,000
638,234,290,000
81.07%
BACA
722,936,000,000
822,566,000,000
87.89%
BAEK
2,295,129,000,000 3,531,494,000,000
64.99%
BBCA
32,290,459,000,000 84,821,926,000,000
38.07%
BBKP
6,613,920,000,000 7,586,168,000,000
87.18%
BBNI
27,092,015,000,000 44,080,298,000,000
61.46%
BBNP
949,886,664,000 1,121,312,863,000
84.71%
BBRI
50,340,117,000,000 84,421,353,000,000
59.63%
BBTN
11,384,041,000,000 13,702,148,000,000
83.08%
BCIC
1,769,927,000,000 1,270,117,000,000 139.35%
BDMN
23,691,316,000,000 27,327,396,000,000
86.69%
BEKS
1,829,038,000,000 2,608,198,000,000
70.13%
BJBR
7,941,889,000,000 9,128,734,000,000
87.00%
BMRI
48,879,869,000,000 77,325,757,000,000
63.21%
BNBA
480,978,239,579
551,752,589,653
87.17%
BNGA
16,953,851,000,000 22,942,768,000,000
73.90%
BNII
14,358,868,000,000 15,323,380,000,000
93.71%
BNLI
13,614,730,000,000 14,596,695,000,000
93.27%
BSIM
1,844,717,000,000 3,033,237,000,000
60.82%
BSWD
327,520,255,525
475,462,644,059
68.88%
BTPN
10,497,633,000,000 13,032,675,000,000
80.55%
BVIC
2,059,768,475,000 2,163,253,312,000
95.22%
MAYA
3,081,589,639,000 3,660,008,707,000
84.20%
MEGA
6,729,646,000,000 7,375,026,000,000
91.25%
NISP
6,652,771,000,000 8,650,814,000,000
76.90%
PNBN
13,573,527,000,000 17,369,669,000,000
78.14%
SDRA
237,633,000,000
429,681,000,000
55.30%
MCOR
852,655,000,000
920,941,000,000
92.59%
INPC
2,149,718,000,000 2,341,691,000,000
91.80%
BKSW
1,271,553,000,000 1,430,554,000,000
88.89%
BABP
852,559,000,000
823,588,000,000 103.52%
103
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Lampiran 3
Hasil Pengolahan Data
Analisis Deskriptif
Descriptive Statistics
N
Minimum
Maximum
Mean
Std. Deviation
Return on Asset (ROA)
155
.0005
.0943
.019793
.0128939
Capital Adequacy Ratio (CAR)
155
.0179
.4575
.147908
.0519815
Net Performing Loan (NPL)
155
.0000
.0882
.015908
.0148164
Net Interest Margin (NIM)
155
.0062
.1576
.062701
.0272182
Loan to Deposit Ratio (LDR)
155
.2771
1.3407
.813870
.1475778
BOPO
155
.3569
1.8489
.803607
.1873111
Valid N (listwise)
155
Uji Normalitas
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One-Sample Kolmogorov-Smirnov Test
Unstandardized
Residual
N
155
Kolmogorov-Smirnov Z
Asymp. Sig. (2-tailed)
1.264
.082
a. Test distribution is Normal.
b. Calculated from data.
Uji Heterokedastisitas
Uji Autokorelasi
Model
1
Durbin-Watson
1.918
105
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Uji Multkoliniearitas
Collinearity Statistics
Model
1
B
(Constant)
Tolerance
VIF
.018
Capital Adequacy Ratio
-.026
.938
1.066
Net Performing Loan
-.128
.870
1.149
.178
.840
1.190
-.016
.963
1.038
.013
.760
1.315
Net Interest Margin
Loan to Deposit Ratio
BOPO
Uji Statistik F
ANOVAb
Model
1
Sum of Squares
Df
Mean Square
Regression
.004
5
.001
Residual
.021
149
.000
Total
.026
154
F
Sig.
6.142
.000a
a. Predictors: (Constant), BOPO, Loan to Deposit Ratio, Capital Adequacy Ratio, Net Performing Loan, Net
Interest Margin
b. Dependent Variable: Return on Asset
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Uji Statistik t
Model
1
Unstandardized
Standardized
Coefficients
Coefficients
B
(Constant)
Std. Error
.018
.009
Capital Adequacy Ratio
-.026
.019
Net Performing Loan
-.128
Net Interest Margin
Loan to Deposit Ratio
BOPO
Beta
t
Sig.
1.951
.053
-.105
-1.358
.177
.070
-.147
-1.838
.068
.178
.039
.376
4.619
.000
-.016
.007
-.186
-2.445
.016
.013
.006
.184
2.149
.033
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