DAFTAR PUSTAKA
Bank Indonesia. Surat Edaran No.26/5/BPPP tanggal 29 Mei tahun 1993 tentang Tata Cara Penilaian Tingkat Kesehatan Bank. Penyempurnaan ketentuan yang dikeluarkan Bank Indonesia dengan Surat Edaran No. 23/21/BPPP tanggal 28 Februari 1991.
Brigham and Houston, 2006. “Fundamentals of Financial Management”. Jakarta : Salemba Empat.
Ghozali, Imam. 2006. “Analisis Multivariate Dengan Rencana Program SPSS”.
Semarang : Badan Penerbit Universitas Diponegoro.
Harmono, 2009. “Manajemen Keuangan Berbasis Balanced Scorecard”. Jakarta : Bumi Aksara.
Kasmir, 2008. “Analisis Laporan Keuangan”. Jakarta : Rajawali Pers.
Lely, 2007. “Evaluasi Pengaruh CAMEL Terhadap Kinerja Perusahaan”. Skripsi.
Universitas Udayana, Denpasar.
Triandaru, Sigit dan Budisantoso, Totok. 2006. “Bank dan Lembaga Keuangan Lain”. Jakarta : Salemba Empat.
Wardani, Tri Sulistya. 2009. “Analisis Penilaian Tigkat Kesehatan Bank
Berdasarkan Metode CAMEL Pada PD BPR BKK Tasikmadu Cabang
Karangpandan”. Skripsi. Universitas Muhamadiyah Surakarta.
LAMPIRAN 1
PERHITUNGAN RASIO CAMEL
1. Perhitungan Rasio CAR : Equity Capital
Total Loan+Securities
CAR ARGONIAGA
2007 2008 2009 20010
235094835 235778425 347894501 278286057 1968018359 2.028E+09 1.905E+09 2066200019
11.95% 11.63% 18.26% 13.47%
Data olahan Ms.Excel
CAR MANDIRI (PERSERO)
2007 2008 2009 2010
29243732 30513869 35108769 41542808 152804937 187262635 202844096 259792788
19.14% 16.29% 17.31% 15.99%
Data olahan Ms. Excel
CAR CIMB NIAGA
2007 2008 2009 2010
9081875 9302467 11210407 13767417 68222876 75275126 83926410 106394596
13.31% 12.36% 13.36% 12.94%
Data olahan Ms. Excel
CAR SWADESI
2007 2008 2009 2010
1.247E+11 2.827E+11 3.02479E+11 318715237 9.608E+11 1.046E+12 1.2903E+12 1288940968
12.97% 27.02% 23.44% 24.73%
Data olahan Ms. Excel
x 100%
CAR VICTORIA ITL
2007 2008 2009 2010
403561868 527914774 629350354 742662611 4.43E+09 4.742E+09 5773269350 6877424415
9.11% 11.13% 10.90% 10.80%
Data olahan Ms. Excel
CAR BUMI ARTA
2007 2008 2009 2010
3.7088E+11 3.933E+11 4.146E+11 434659650 1.4758E+12 1.554E+12 1.758E+12 1349759313
25.13% 25.32% 23.58% 32.20%
Data olahan Ms. Excel
CAR ICB BUMI PUTERA
2007 2008 2009 2010
536714542 504995895 539862949 713291500 4.672E+09 5036762328 5588677194 6306897109
11.49% 10.03% 9.66% 11.31%
Data olahan Ms. Excel
CAR PAN INDONESIA
2007 2008 2009 2010
7500147 7935016 10741780 12239609 39639697 48230950 59053569 76370263
18.92% 16.45% 18.19% 16.03%
Data olahan Ms. Excel
CAR BUKOPIN
2007 2008 2009 2010
1964793 2163167 2536515 2886947 18834375 22512244 24013722 36470114
10.43% 9.61% 10.56% 7.92%
Data olahan Ms. Excel
CAR KESAWAN
2007 2008 2009 2010
1.323E+11 1.354E+11 1.785E+11 178123441 5.251E+11 3.921E+11 5.285E+11 1.743E+09
25.20% 34.55% 33.77% 10.22%
CAR NUSANTARA P
2007 2008 2009 2010
311662008 340026543 369425867 515368237 2.962E+09 2.753E+09 2740275494 3723826648
10.52% 12.35% 13.48% 13.84%
Data olahan Ms. Excel
CAR MAYAPADA ITL
2007 2008 2009 2010
945275 950344782 993520959 1483399226 3132604 5.304E+09 5.455E+09 6633644136
30.18% 17.92% 18.21% 22.36%
Data olahan Ms. Excel
CAR OCBC NISP
2007 2008 2009 2010
3368626 3630670 4137300 4532506 22710719 26711476 29693305 32331708
14.83% 13.59% 13.93% 14.02%
Data olahan Ms. Excel
CAR BCA
2007 2008 2009 2010
20441731 23279310 27856693 34107844 126550414 160071491 189188424 171176016
16.15% 14.54% 14.72% 19.93%
Data olahan Ms. Excel
CAR BNI (PERSERO)
2007 2008 2009 2010
17219585 15431148 19143582 33119626 99334634 116216402 133120612 142581047
17.33% 13.28% 14.38% 23.23%
Data olahan Ms. Excel
2. Perhitungan Rasio RORA : Laba sebelum pajak
Jumlah kredit + penempatan surat berharga
RORA ARGONIAGA
2007 2008 2009 2010
4061386 3211092 4603130 19381468 1968018359 2027747800 1904944570 2066200019
0.21% 0.16% 0.24% 0.94%
Data olahan Ms. Excel
RORA MANDIRI
2007 2008 2009 2010
6333383 8068560 10824074 13972162 152804937 187262635 202844096 259792788
4.14% 4.31% 5.34% 5.38%
Data olahan Ms. Excel
RORA CIMB NIAGA
2007 2008 2009 2010
2084023 1084203 2165587 3389504 68222876 75275126 83926410 106394596
3.05% 1.44% 2.58% 3.19%
Data olahan Ms. Excel
RORA SWADESI
2007 2008 2009 2010
12361051455 30197391628 50640718622 48067101 9.60833E+11 1.04616E+12 1.2903E+12 1288940968
1.29% 2.89% 3.92% 3.73%
Data olahan Ms. Excel
RORA VICTORIA
2007 2008 2009 2010
57976213 44786384 62604172 131657475 4430387289 4741895768 5773269350 6877424415
1.31% 0.94% 1.08% 1.91%
x 100 %
RORA BUMI ARTA
2007 2008 2009 2010
29845598137 4157328922 41158495200 3.6548E+10 1.47579E+12 1.5535E+12 1.75849E+12 1.3498E+12
2.02% 0.27% 2.34% 2.71%
Data olahan Ms. Excel
RORA BUMI PUTERA
2007 2008 2009 2010
32761135 5870353 11324280 17535120 4671663837 5036762328 5588677194 6306897109
0.70% 0.12% 0.20% 0.28%
Data olahan Ms. Excel
RORA PAN INDONESIA
2007 2008 2009 2010
1309212 1153368 1406145 428316 39639697 48230950 59053569 32231708
3.30% 2.39% 2.38% 1.33%
Data olahan Ms. Excel
RORA BUKOPIN
2007 2008 2009 2010
543611 550837 520333 667065
18834375 22512244 24013722 36470114
2.89% 2.45% 2.17% 1.83%
Data olahan Ms. Excel
RORA KESAWAN
2007 2008 2009 2010
7217134473 4778839475 6387726982 4.058E+09 5.2513E+11 3.9206E+11 5.28527E+11 1.743E+12
1.37% 1.22% 1.21% 0.23%
Data olahan Ms. Excel
RORA NUSANTARA P
2007 2008 2009 2010
45756964 40702604 44292277 63194158 2961657921 2753440168 2740275494 3.724E+09
1.54% 1.48% 1.62% 1.70%
RORA MAYAPADA ITL
2007 2008 2009 2010
58946 60151419 59696948 52589167 3457505 4129269446 5232320404 6633644136
1.70% 1.46% 1.14% 0.79%
Data olahan Ms. Excel
RORA OCBC NISP
2007 2008 2009 2010
351893 454228 612155 1414276
22710719 26711476 29693305 76370263
1.55% 1.70% 2.06% 1.85%
Data olahan Ms. Excel
RORA BCA
2007 2008 2009 2010
6401630 7720043 8945092 10653269 126550414 160071491 189188424 171176016
5.06% 4.82% 4.73% 6.22%
Data olahan Ms. Excel
RORA BNI (PERSERO)
2007 2008 2009 2010
1481140 1932385 3443949 5485460 99334634 116216402 133120612 142581047
1.49% 1.66% 2.59% 3.85%
Data olahan Ms. Excel
3. Perhitungan Rasio NPM Net Income
Operating Income
NPM ARGONIAGA
2007 2008 2009 2010
63088240 38260030 29189400 14026715 348861260 364227661 383531332 372482687
18.08% 10.50% 7.61% 3.77%
x 100%
NPM MANDIRI
2007 2008 2009 2010
4346224 5312821 7155464 9218298 27091139 31989244 38083057 42364467
16.04% 16.61% 18.79% 21.76%
Data olahan Ms. Excel
NPM CIMB NIGA
2007 2008 2009 2010
1508386 678189 1568130 2548153 9444662 11226011 12601442 13816429
15.97% 6.04% 12.44% 18.44%
Data olahan Ms. Excel
NPM SWADESI
2007 2008 2009 2010
8486484180 19221390130 36950246723 35092115 1.0855E+11 1.33259E+11 1.67724E+11 176463223
7.82% 14.42% 22.03% 19.89%
Data olahan Ms. Excel
NPM VICTORIA
2007 2008 2009 2010
49553859 35261542 46239686 106801012 395740287 540868905 782636923 1.041E+09
12.52% 6.52% 5.91% 10.26%
Data olahan Ms. Excel
NPM BUMI ARTA
2007 2008 2009 2010
2.08E+10 2.762E+10 2.8214E+10 26979475 1.019E+11 2.111E+12 1.3122E+11 248796123
20.42% 1.31% 21.50% 10.84%
Data olahan Ms. Excel
NPM BUMI PUTERA
2007 2008 2009 2010
20647835 1925744 5043438 12168621 774725233 755052178 821628148 907331168
2.67% 0.26% 0.61% 1.34%
NPM PAN INDONESIA
2007 2008 2009 2010
852252 701361 915298 1257925
4949601 6597742 8325737 9545713
17.22% 10.63% 10.99% 13.18%
Data olahan Ms. Excel
NPM BUKOPIN
2007 2008 2009 2010
375126 368780 362191 492599
3478122 3681223 4125348 4351776
10.79% 10.02% 8.78% 11.32%
Data olahan Ms. Excel
NPM KESAWAN
2007 2008 2009 2010
6.259E+09 3.113E+09 3988339375 1212352 2.453E+11 2.204E+11 2.3084E+11 244209105
2.55% 1.41% 1.73% 0.50%
Data olahan Ms. Excel
NPM NUSANTARA P
2007 2008 2009 2010
31849014 28364534 29399325 47475365 466241601 336961809 407731524 454365369
6.83% 8.42% 7.21% 10.45%
Data olahan Ms. Excel
NPM MAYAPADA
2007 2008 2009 2010
40744 40965181 41098969 50060604 497384 640189877 933799532 263721218
8.19% 6.40% 4.40% 18.98%
Data olahan Ms. Excel
NPM OCBC NISP
2007 2008 2009 2010
250084 316922 435865 320986
2958899 3256600 3864492 3813453
8.45% 9.73% 11.28% 8.42%
NPM BCA
2007 2008 2009 2010
4489252 5776139 6807242 8479273 19173564 23179233 27279495 28020102
23.41% 24.92% 24.95% 30.26%
Data olahan Ms. Excel
NPM BNI (PERSERO)
2007 2008 2009 2010
897928 1222485 2483995 4101706 14877720 16628139 19446766 25898450
6.04% 7.35% 12.77% 15.84%
Data olahan Ms. Excel
4. Perhitungan Rasio ROA Laba sebelum pajak Total aktiva
ROA ARGONIAGA
2007 2008 2009 2010
63088240 38260030 29189400 19381468 2972758753 2582431953 2981696009 3.054E+09
2.12% 1.48% 0.98% 0.63%
Data olahan Ms. Excel
ROA MANDIRI (PERSERO)
2007 2008 2009 2010
6333383 8068560 10824074 13972162 319085590 358438678 394616604 449774551
1.98% 2.25% 2.74% 3.11%
Data olahan Ms. Excel
ROA CIMB NIAGA
2007 2008 2009 2010
2084203 1084203 2165587 3389504 93797189 103197574 107104274 143652852
2.22% 1.05% 2.02% 2.36%
x 100%
ROA SWADESI
2007 2008 2009 2010
12361051455 30197391628 50640718622 48067101 1.16774E+12 1.35988E+12 1.53738E+12 1570331769
1.06% 2.22% 3.29% 3.06%
Data olahan Ms. Excel
ROA VICTORIA
2007 2008 2009 2010
57976213 44786384 62604172 131657475 5268994686 5625107568 7359018223 1.03E+10
1.10% 0.80% 0.85% 1.28%
Data olahan Ms. Excel
ROA BUMI ARTA
2007 2008 2009 2010
29845598137 41573289221 41158495200 36547690000 1.95026E+12 2.04437E+12 2.40319E+12 2.66105E+12
1.53% 2.03% 1.71% 1.37%
Data olahan Ms. Excel
ROA BUMI PUTERA
2007 2008 2009 2010
32761135 5870353 11324280 17535120 6346386276 6287877927 7005700199 8659899122
0.52% 0.09% 0.16% 0.20%
Data olahan Ms. Excel
ROA PAN INDONESIA
2007 2008 2009 2010
1309212 1153368 1406145 1414276 53470645 64391915 77857418 108947955
2.45% 1.79% 1.81% 1.30%
Data olahan Ms. Excel
ROA BUKOPIN
2007 2008 2009 2010
543611 550837 520333 667065
34446177 32633063 37173318 47489366
1.58% 1.69% 1.40% 1.40%
ROA KESAWAN
2007 2008 2009 2010
7217134473 4778839475 6387726982 4.058E+09 2.18449E+12 2.1623E+12 2.3478E+12 2.59E+12
0.33% 0.22% 0.27% 0.16%
Data olahan Ms. Excel
ROA NUSANTARA P
2007 2008 2009 2010
45756964 40702604 63194158 63194158 3772837655 3694814284 3896398568 5282255159
1.21% 1.10% 1.62% 1.20%
Data olahan Ms. Excel
ROA MAYAPADA
2007 2008 2009 2010
58946 60151419 59696948 52589167 4474878 5512694013 7629928278 10102287635
1.32% 1.09% 0.78% 0.52%
Data olahan Ms. Excel
ROA OCBC NISP
2007 2008 2009 2010
351893 454228 612155 428316
28969069 34245838 37052596 44474822
1.21% 1.33% 1.65% 0.96%
Data olahan Ms. Excel
ROA BCA
2007 2008 2009 2010
6401630 7720043 8945092 10653269 218005008 245569856 282392294 324419069
2.94% 3.14% 3.17% 3.28%
Data olahan Ms. Excel
ROA BNI
2007 2008 2009 2010
1481140 1932385 3443949 5485460 183341611 201741069 227496967 248580529
0.81% 0.96% 1.51% 2.21%
5. Perhitungan Rasio BOPO Biaya operasional Pendapatan operasional
BOPO ARGONIAGA
2007 2008 2009 2010
352224870 368598217 372272744 310199954 348861260 364227661 383531332 372482687
100.96% 101.20% 97.06% 83.28%
Data olahan Ms. Excel
BOPO MANDIRI
2007 2008 2009 2010
19353089 21431398 25831716 26488014 27091139 31989244 38083327 42364467
71.44% 67.00% 67.83% 62.52%
Data olahan Ms. Excel
BOPO CIMB NIAGA
2007 2008 2009 2010
7335195 10161018 8918462 9472561 9444662 11485461 12601442 13816429
77.66% 88.47% 70.77% 68.56%
Data olahan Ms. Excel
BOPO SWADESI
2007 2008 2009 2010
98433360 99948341 115472074 118413714 108552065 133258988 167724337 176463223
90.68% 75.00% 68.85% 67.10%
Data olahan Ms. Excel
BOPO VICTORIA
2007 2008 2009 2010
337708749 496766572 719550103 911965369 395740287 540868905 782636923 1041236404
85.34% 91.85% 91.94% 87.58%
x 100%
BOPO BUMI ARTA
2007 2008 2009 2010
158642621 175893855 185699663 207030870 190518113 219993455 230224153 248796123
83.27% 79.95% 80.66% 83.21%
Data olahan Ms. Excel
BOPO BUMI PUTERA
2007 2008 2009 2010
262505729 286136661 317357928 808489186 408796537 346056932 391556313 907331168
64.21% 82.68% 81.05% 89.11%
Data olahan Ms. Excel
BOPO PAN INDONESIA
2007 2008 2009 2010
3417306 5020809 5973038 6472952 4949601 6597742 8325737 9545713
69.04% 76.10% 71.74% 67.81%
Data olahan Ms. Excel
BOPO BUKOPIN
2007 2008 2009 2010
2907940 3021709 3591270 3574815 3477706 3670163 4125348 4351776
83.62% 82.33% 87.05% 82.15%
Data olahan Ms. Excel
BOPO KESAWAN
2007 2008 2009 2010
233295243 226237341 216983915 224248908 245257589 220410272 230838732 244209105
95.12% 102.64% 94.00% 91.83%
Data olahan Ms. Excel
BOPO NUSANTARA P
2007 2008 2009 2010
305640113 296738244 363439247 391002551 352021187 336961809 407731524 454365349
86.82% 88.06% 89.14% 86.05%
BOPO MAYAPADA
2007 2008 2009 2010
410978 580193232 876133695 204948701 508775 640189877 933799532 263721218
80.78% 90.63% 93.82% 77.71%
Data olahan Ms. Excel
BOPO OCBC NISP
2007 2008 2009 2010
2609552 2804508 3255498 3007086 2958899 3256600 3864492 3813453
88.19% 86.12% 84.24% 78.85%
Data olahan Ms. Excel
BOPO BCA
2007 2008 2009 2010
12632227 13770693 16502663 17295667 19173564 23179233 27279495 28020102
65.88% 59.41% 60.49% 61.73%
Data olahan Ms. Excel
BOPO BNI
2007 2008 2009 2010
15036216 13943898 16305228 16760037 19007436 20177028 23742151 25898450
79.11% 69.11% 68.68% 64.71%
Data olahan Ms. Excel
6. Perhitungan Rasio LDR Total kredit Total dana pihak ketiga
LDR ARGONIAGA
2007 2008 2009 2010
1879614189 2043075993 1993629864 1857852761 1987254801 2033906069 2218751011 2192386429
94.58% 100.45% 89.85% 84.74%
x 100%
LDR MANDIRI (PERSERO)
2007 2008 2009 2010
125488384 162637788 184690704 232545259 247000348 288638947 302080939 335599164
50.80% 56.35% 61.14% 69.29%
Data olahan Ms. Excel
LDR CIMB NIAGA
2007 2008 2009 2010
58495469 72219844 80114845 100350214 75263342 83900144 86004459 117516503
77.72% 86.08% 93.15% 85.39%
Data olahan Ms. Excel
LDR SWADESI
2007 2008 2009 2010
6.05183E+11 8.6091E+11 9.6768E+11 1050806763 9.65032E+11 1.01282E+12 1.1818E+12 1196245558
62.71% 85.00% 81.88% 87.84%
Data olahan Ms. Excel
LDR VICTORIA
2007 2008 2009 2010
1953182889 2122976170 2713514081 3187219009 3555237842 4019644533 5617636960 8820997323
54.94% 52.82% 48.30% 36.13%
Data olahan Ms. Excel
LDR BUMI ARTA
2007 2008 2009 2010
7.82735E+11 9.355E+11 9.6085E+11 1.154E+12 1.08776E+12 1.071E+12 1.1378E+12 1.268E+12
71.96% 87.30% 84.45% 91.03%
Data olahan Ms. Excel
LDR BUMI PUTERA
2007 2008 2009 2010
4328973426 4667760357 5188764128 6028296038 5002415939 4949876703 5706432738 7193596285
86.54% 94.30% 90.93% 83.80%
LDR PAN INDONESIA
2007 2008 2009 2010
28290884 35282456 39967098 55682562 33458174 46659951 58175049 78437608
84.56% 75.62% 68.70% 70.99%
Data olahan Ms. Excel
LDR BUKOPIN
2007 2008 2009 2010
18801342 22401357 24013722 29398321 26590949 28330457 31334993 40860118
70.71% 79.07% 76.64% 71.95%
Data olahan Ms. Excel
LDR KESAWAN
2007 2008 2009 2010
1291410227 1470800447 1289169598 1562764334 1913016532 1931754741 2018115971 2217456695
67.51% 76.14% 63.88% 70.48%
Data olahan Ms. Excel
LDR NUSANTARA P
2007 2008 2009 2010
1629278671 2149250916 2359719608 3622503192 2802389474 2794427090 3151190448 4226406627
58.14% 76.91% 74.88% 85.71%
Data olahan Ms. Excel
LDR MAYAPADA
2007 2008 2009 2010
3023510 3900181841 4961855948 5931676175 3565770 4044825750 5690556395 7603001643
84.79% 96.42% 87.19% 78.02%
Data olahan Ms. Excel
LDR OCBC NISP
2007 2008 2009 2010
18857535 20401154 21283245 27360530 22110963 26987198 30438645 35641042
85.29% 75.60% 69.92% 76.77%
LDR BCA
2007 2008 2009 2010
80702481 110026861 119595661 150016746 189138771 209487432 245090821 277530635
42.67% 52.52% 48.80% 54.05%
Data olahan Ms. Excel
LDR BNI
2007 2008 2009 2010
83134073 106342351 113922685 129399567 149573065 166397437 191270881 197625431
55.58% 63.91% 59.56% 65.48%
Data olahan Ms. Excel
LAMPIRAN 2
LAPORAN KEUANGAN
LAMPIRAN 3
SK BI TENTANG KESEHATAN BANK
