Analisis Komparatif Kinerja Keuangan Bank Pemerintah dan Bank Asing di Indonesia

Lampiran 1

Rasio Keuangan Bank Rakyat Indonesia Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{2.93 2.95 3.91 3.26}

2 ROE _{23.96 20.50 27.77 24.08}

3 NIM _{10.10 9.37 10.13 9.87}

4 NPM _{248.05 253.43 265.80 255.76}

5 NIA _{3.10 5.16 5.74 4.67}

6 OH _{5.32 6.70 6.56 6.19}

7 CI _{51.92 70.89 61.68 61.50}

8 SEA _{2.09 1.72 1.69 1.83}

9 GEA _{7.72 7.96 7.82 7.83}

10 BOPO _{457.29 563.18 419.99 480.15}

11 PNPL _{156.43 148.63 195.38 166.82}

12 NPL _{3.56 3.91 2.86 3.44}

13 PL _{5.57 5.81 5.59 5.66}

14 PA _{3.64 3.54 3.48 3.55}

15 LDR _{80.88 73.32 76.29 76.83}

16 LAR _{65.31 60.97 62.20 62.83}

17 LAA _{2.58 2.51 2.29 2.46}

18 LAD _{3.19 3.02 2.80 3.01}

19 CA _{8.66 11.14 11.16 10.32}

20 CL _{13.26 18.28 17.94 16.49}

Rasio Keuangan Bank Negara Indonesia Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{1.48 2.36 2.48 2.11}

2 ROE _{12.78 10.59 15.12 12.83}

3 NIM _{7.42 5.89 5.78 6.36}

4 NPM _{78.50 90.64 86.80 85.31}

5 NIA _{2.76 4.06 4.74 3.85}

6 OH _{4.63 5.29 5.59 5.17}

7 CI _{60.58 88.09 80.98 76.55}

8 SEA _{1.61 1.60 1.49 1.57}

9 GEA _{6.84 7.17 6.90 6.97}

10 BOPO _{221.39 225.83 182.00 209.74}

11 PNPL _{132.14 128.93 126.04 129.04}

12 NPL _{4.25 3.97 3.53 3.91}

13 PL _{5.62 5.11 4.44 5.06}

14 PA _{3.00 2.82 2.43 2.75}

15 LDR _{63.32 69.95 70.33 67.86}

16 LAR _{53.44 55.19 54.64 54.42}

17 LAA _{2.20 2.28 2.11 2.19}

18 LAD _{2.60 2.89 2.72 2.74}

19 CA

8.54 16.07 13.03 12.54

20 CL _{15.97 29.11 23.84 22.97}

Rasio Keuangan Bank Mandiri Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{2.68 2.82 3.04 2.85}

2 ROE _{19.33 18.77 17.45 18.52}

3 NIM _{7.56 5.24 5.08 5.96}

4 NPM _{126.37 106.53 98.99 110.63}

5 NIA _{2.17 3.53 3.98 3.22}

6 OH _{4.43 4.34 4.30 4.36}

7 CI _{55.58 72.74 70.59 66.30}

8 SEA _{1.13 1.11 1.04 1.09}

9 GEA _{6.22 6.68 6.09 6.33}

10 BOPO _{173.34 180.11 142.57 165.34}

11 PNPL _{216.00 208.09 186.55 203.55}

12 NPL _{3.00 2.22 2.20 2.47}

13 PL _{6.48 4.63 4.10 5.07}

14 PA _{3.12 2.48 2.28 2.63}

15 LDR _{59.95 65.82 72.01 65.93}

16 LAR _{48.11 53.57 55.74 52.47}

17 LAA _{2.14 2.04 2.12 2.10}

18 LAD _{2.67 2.51 2.74 2.64}

19 CA _{9.31 11.53 13.67 11.51}

20 CL _{19.36 21.53 24.52 21.80}

Rasio Keuangan Bank Tabungan Negara Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{1.24 1.68 1.71 1.54}

2 ROE _{9.11 6.65 14.98 10.25}

3 NIM _{5.51 6.05 5.86 5.81}

4 NPM _{158.93 99.90 80.99 113.27}

5 NIA _{2.48 3.97 4.82 3.76}

6 OH _{4.33 5.39 5.56 5.09}

7 CI _{69.27 81.75 84.81 78.61}

8 SEA _{1.21 1.07 1.02 1.10}

9 GEA _{9.31 13.65 8.41 10.46}

10 BOPO _{577.32 354.54 254.60 395.49}

11 PNPL _{50.75 56.08 49.74 52.19}

12 NPL _{3.35 3.43 2.99 3.25}

13 PL _{1.70 1.92 1.49 1.70}

14 PA _{1.18 1.37 0.99 1.18}

15 LDR _{101.29 107.26 101.17 103.24}

16 LAR _{69.65 71.16 66.48 69.10}

17 LAA _{0.50 0.53 0.57 0.54}

18 LAD _{0.73 0.80 0.87 0.80}

19 CA _{9.22 17.71 8.27 11.73}

20 CL _{13.24 24.89 12.44 16.86}

Rasio Keuangan Bank Of China Limited Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{1.60 1.46 1.50 1.52}

2 ROE _{42.34 33.54 50.67 42.19}

3 NIM _{2.94 1.25 1.54 1.91}

4 NPM _{66.50 57.84 52.29 58.88}

5 NIA _{0.63 1.11 2.84 1.53}

6 OH _{1.78 1.46 1.99 1.74}

7 CI _{59.24 114.43 127.78 100.49}

8 SEA _{0.55 0.54 0.32 0.47}

9 GEA _{2.08 2.30 2.76 2.38}

10 BOPO _{75.72 77.78 94.05 82.52}

11 PNPL _{0.00 0.00 0.00 0.00}

12 NPL _{0.00 0.00 0.00 0.00}

13 PL _{1.00 0.55 0.41 0.65}

14 PA _{0.29 0.39 0.26 0.31}

15 LDR _{51.53 153.80 132.03 112.45}

16 LAR _{28.68 70.32 63.33 54.11}

17 LAA _{0.13 0.27 0.37 0.25}

18 LAD _{0.23 0.58 0.76 0.53}

19 CA _{2.30 2.96 1.94 2.40}

20 CL _{8.01 4.21 3.07 5.10}

Rasio Keuangan Citibank, NA Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{6.05 5.25 4.03 5.11}

2 ROE _{33.91 34.11 24.88 30.97}

3 NIM _{8.67 6.17 5.80 6.88}

4 NPM _{96.01 71.04 60.76 75.94}

5 NIA _{4.25 7.66 8.48 6.80}

6 OH _{6.06 8.15 8.88 7.70}

7 CI _{65.85 131.61 152.93 116.79}

8 SEA _{1.45 1.25 1.58 1.43}

9 GEA _{7.61 9.48 9.74 8.94}

10 BOPO _{106.27 135.19 158.57 133.34}

11 PNPL _{98.08 66.44 122.09 95.54}

12 NPL _{9.99 2.71 1.38 4.69}

13 PL _{9.80 1.80 1.68 4.43}

14 PA _{4.84 0.87 0.75 2.16}

15 LDR _{75.41 71.64 68.78 71.94}

16 LAR _{49.43 48.16 44.83 47.47}

17 LAA _{0.89 0.80 0.76 0.82}

18 LAD _{1.36 1.19 1.17 1.24}

19 CA _{12.48 11.59 12.16 12.08}

20 CL _{25.25 24.06 27.12 25.48}

Rasio Keuangan Deutsche, AG Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{7.00 2.53 4.76 4.76}

2 ROE _{27.65 17.96 33.41 26.34}

3 NIM _{4.88 2.49 3.91 3.76}

4 NPM _{47.39 23.94 33.65 34.99}

5 NIA _{3.29 6.55 8.50 6.11}

6 OH _{7.78 9.50 13.23 10.17}

7 CI _{97.65 363.55 338.63 266.61}

8 SEA _{1.47 0.82 0.83 1.04}

9 GEA _{8.90 8.93 9.30 9.04}

10 BOPO _{56.09 85.14 73.53 71.58}

11 PNPL _{77.02 91.15 0.00 56.06}

12 NPL _{6.94 4.39 0.00 3.77}

13 PL _{5.34 4.00 2.01 3.78}

14 PA _{2.06 0.85 0.41 1.10}

15 LDR _{60.71 48.81 46.21 51.91}

16 LAR _{38.51 21.16 20.38 26.68}

17 LAA _{0.21 0.17 0.13 0.17}

18 LAD _{0.32 0.38 0.30 0.33}

19 CA _{14.39 9.03 9.97 11.13}

20 CL _{37.38 42.67 48.94 42.99}

Rasio Keuangan Standard Chartered Bank Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{2.47 1.57 2.74 2.26}

2 ROE _{146.29 16.18 94.35 85.61}

3 NIM _{6.11 4.88 4.46 5.15}

4 NPM _{44.91 2.44 25.16 24.17}

5 NIA _{3.77 9.49 10.20 7.82}

6 OH _{5.75 14.45 10.73 10.31}

7 CI _{93.30 294.49 234.17 207.32}

8 SEA _{1.30 1.50 1.34 1.38}

9 GEA _{7.05 12.44 11.20 10.23}

10 BOPO _{117.05 121.83 112.70 117.20}

11 PNPL _{129.65 95.31 101.40 108.79}

12 NPL _{2.44 6.50 6.72 5.22}

13 PL _{3.17 6.20 6.81 5.39}

14 PA _{1.61 3.41 3.70 2.91}

15 LDR _{102.91 116.37 103.76 107.68}

16 LAR _{50.73 55.01 54.38 53.37}

17 LAA _{0.22 0.34 0.27 0.28}

18 LAD _{0.45 0.72 0.52 0.57}

19 CA _{1.07 1.24 2.14 1.48}

20 CL _{2.11 2.25 3.94 2.77}

Rasio Keuangan Shanghai & Hongkong Banking Corp Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{2.51 2.88 3.74 3.04}

2 ROE _{59.09 65.09 72.52 65.56}

3 NIM _{10.03 5.89 5.82 7.25}

4 NPM _{37.38 13.08 21.41 23.96}

5 NIA _{4.87 14.13 13.50 10.83}

6 OH _{7.45 18.44 15.81 13.90}

7 CI _{73.57 312.64 271.62 219.28}

8 SEA _{2.14 2.07 1.68 1.96}

9 GEA _{8.55 17.12 12.70 12.79}

10 BOPO _{164.85 114.79 110.56 130.06}

11 PNPL _{105.38 222.58 127.43 151.80}

12 NPL _{14.45 1.26 1.12 5.61}

13 PL _{15.23 2.80 1.43 6.49}

14 PA _{8.18 1.59 0.79 3.52}

15 LDR _{77.00 73.28 78.67 76.32}

16 LAR _{53.71 56.63 55.48 55.27}

17 LAA _{0.56 0.63 0.45 0.54}

18 LAD _{0.80 0.81 0.64 0.75}

19 CA _{2.17 2.68 2.97 2.61}

20 CL _{4.03 4.73 5.36 4.71}

Rasio Keuangan The Bangkok Bank Comp. Ltd Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{3.93 4.17 3.54 3.88}

2 ROE _{8.73 11.94 10.20 10.29}

3 NIM _{5.97 4.27 4.52 4.92}

4 NPM _{295.60 434.67 317.46 349.24}

5 NIA _{0.71 0.73 1.45 0.96}

6 OH _{0.85 0.78 1.49 1.04}

7 CI _{14.13 18.08 32.80 21.67}

8 SEA _{0.41 0.31 0.29 0.34}

9 GEA _{2.44 1.77 2.26 2.16}

10 BOPO _{103.44 99.81 153.70 118.98}

11 PNPL _{91.46 115.69 143.80 116.98}

12 NPL _{10.25 7.22 5.24 7.57}

13 PL _{9.38 8.35 7.54 8.42}

14 PA _{6.43 6.01 6.27 6.23}

15 LDR _{313.45 307.21 559.97 393.54}

16 LAR _{68.56 71.92 83.15 74.54}

17 LAA _{0.12 0.09 0.09 0.10}

18 LAD _{0.53 0.38 0.60 0.51}

19 CA _{24.95 27.67 26.56 26.39}

20 CL _{36.39 38.48 31.94 35.60}

Rasio Keuangan The Bank Of Tokyo Mitsubishi UFJ Periode 2009-2011

(Dalam Persen)

NO Rasio

Keuangan 2009 2010 2011 Rata-rata

1 ROA _{2.88 1.54 2.22 2.21}

2 ROE _{10.15 6.15 14.11 10.14}

3 NIM _{3.43 2.58 2.63 2.88}

4 NPM _{88.04 5.37 27.42 40.28}

5 NIA _{1.14 16.11 8.60 8.62}

6 OH _{1.67 19.62 8.21 9.83}

7 CI _{48.46 710.76 312.76 357.32}

8 SEA _{0.66 0.54 0.50 0.57}

9 GEA _{3.00 17.94 7.46 9.47}

10 BOPO _{82.90 103.74 99.38 95.34}

11 PNPL _{76.11 42.69 6319.89 2146.23}

12 NPL _{2.39 1.44 0.01 1.28}

13 PL _{1.82 0.61 0.44 0.96}

14 PA _{1.39 0.44 0.33 0.72}

15 LDR _{162.58 171.48 231.58 188.55}

16 LAR _{76.22 71.42 76.02 74.55}

17 LAA _{0.11 0.09 0.08 0.09}

18 LAD _{0.23 0.23 0.25 0.24}

19 CA _{15.31 14.21 13.26 14.26}

20 CL _{20.09 19.90 17.44 19.14}