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Analisis CAMEL untuk Menilai Tingkat Kesehatan Bank pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2009 – 2011

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LAMPIRAN

Lampiran 1

Daftar Perusahaan Perbankan yang Menjadi Sampel

NO. Nama Perusahaan

Kriteria Penentuan

Sampel Sampel

1 2 3

1. Bank Agroniaga Tbk    Sampel 1

2. Bank Artha Graha Internasional

Tbk   

13. Bank Himpunan Saudara 1906

Tbk   

Sampel 9

14. Bank Int' l Indonesia Tbk   X

15. Bank Kesawan Tbk   X

16. Bank Mandiri (Persero) Tbk    Sampel 10

17. Bank Mayapada Internasional Tbk    Sampel 11

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19. Bank Negara Indonesia Tbk    Sampel 13

20. Bank OCBC NISP Tbk    Sampel 14

21. Bank Nusantara Parahyangan Tbk    Sampel 15

22. Bank Pan Indonesia Tbk    Sampel 16

23. Bank Permata Tbk   X

24. Bank Rakyat Indonesia (Persero) Tbk

   Sampel 17

25. Bank Swadesi Tbk X  

26. Bank Tabungan Pensiunan Nasional Tbk

   Sampel 18

27. Bank Victoria International Tbk    Sampel 19

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Lampiran 2

NO. Nama Perusahaan Tahun

2009 2010 2011

1. Bank Agroniaga Tbk 19.63% 14.42% 19.63%

2. Bank Artha Graha Internasional Tbk 13.77% 13.65% 13.77%

(4)

10. Bank Mandiri (Persero) Tbk 15.60% 15.70% 15.60% 11. Bank Mayapada Internasional Tbk 17.05% 20.40% 17.05%

12. Bank MEGA Tbk 18.01% 15.03% 18.01%

13. Bank Negara Indonesia Tbk 13.80% 18.60% 13.80%

14. Bank OCBC NISP Tbk 20.45% 17.63% 20.45%

15. Bank Nusantara Parahyangan Tbk 12.56% 12.76% 12.56%

16. Bank Pan Indonesia Tbk 21.76% 16.65% 21.79%

17. Bank Rakyat Indonesia (Persero) Tbk 13.20% 13.76% 13.20% 18. Bank Tabungan Pensiunan Nasional Tbk 18.50% 23.40% 18.50% 19. Bank Victoria International Tbk 16.92% 13.72% 16.92% 20. Bank Windu Kentjana International Tbk 16.88% 17.84% 16.88%

Non Performing Loan (NPL)

NO. Nama Perusahaan Tahun

2009 2010 2011

1. Bank Agroniaga Tbk 4.48% 1.84% 0 %

2. Bank Artha Graha Internasional Tbk 2.83% 2.00% 1.85%

3. Bank Bukopin Tbk 2.81% 3.22% 2.88%

4. Bank Capital Indonesia Tbk 0.58% 1.03% 0.81%

5. Bank Central Asia Tbk 0.70% 0.60% 0.50%

(5)

7. Bank Danamon Indonesia Tbk 4.50% 3.00% 2.50%

8. Bank Ekonomi Raharja Tbk 1.11% 0.35% 0.74%

9. Bank Himpunan Saudara 1906 Tbk 1.29% 1.76% 2.06% 10. Bank Mandiri (Persero) Tbk 2.80% 4.70% 2.20% 11. Bank Mayapada Internasional Tbk 0.96% 3.27% 2.51%

12. Bank MEGA Tbk 1.70% 0.90% 0.98%

13. Bank Negara Indonesia Tbk 4.70% 4.30% 3.60%

14. Bank OCBC NISP Tbk 1.44% 0.94% 0.59%

15. Bank Nusantara Parahyangan Tbk 1.81% 0.63% 0.78%

16. Bank Pan Indonesia Tbk 3.16% 4.36% 3.56%

17. Bank Rakyat Indonesia (Persero) Tbk 3.52% 2.79% 2.32% 18. Bank Tabungan Pensiunan Nasional Tbk 0.50% 1.10% 0.70% 19. Bank Victoria International Tbk 3.00% 5.07% 2.60% 20. Bank Windu Kentjana International Tbk 2.11% 2.08% 2.18%

Net Profit Margin (NPM)

NO. Nama Perusahaan Tahun

2009 2010 2011

1. Bank Agroniaga Tbk 0.52% 3.76% 12.61%

2. Bank Artha Graha Internasional Tbk 2.51% 5.33% 5.80%

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4. Bank Capital Indonesia Tbk 9.09% 6.55% 15.29%

5. Bank Central Asia Tbk 49.43% 30.26% 33.89%

6. Bank CIMB Niaga Tbk 12.22% 18.44% 19.02%

7. Bank Danamon Indonesia Tbk 8.26% 16.01% 15.65% 8. Bank Ekonomi Raharja Tbk 18.31% 18.02% 16.54% 9. Bank Himpunan Saudara 1906 Tbk 10.11% 12.90% 16.05% 10. Bank Mandiri (Persero) Tbk 18.79% 21.48% 24.32% 11. Bank Mayapada Internasional Tbk 4.39% 7.19% 13.10%

12. Bank MEGA Tbk 12.16% 19.97% 16.41%

13. Bank Negara Indonesia Tbk 10.46% 15.84% 21.17%

14. Bank OCBC NISP Tbk 11.28% 8.42% 15.56%

15. Bank Nusantara Parahyangan Tbk 7.11% 10.35% 10.69%

16. Bank Pan Indonesia Tbk 10.99% 13.18% 18.53%

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Net Interest Margin (NIM)

NO. Nama Perusahaan Tahun

2009 2010 2011 11. Bank Mayapada Internasional Tbk 6.74% 6.25% 5.84%

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19. Bank Victoria International Tbk 2.38% 1.77% 1.86% 20. Bank Windu Kentjana International Tbk 4.48% 4.61% 4.62%

Biaya Operasional terhadap Pendapatan Operasional (BOPO)

NO. Nama Perusahaan Tahun

2009 2010 2011

1. Bank Agroniaga Tbk 97.98% 95.97% 91.65%

2. Bank Artha Graha Internasional Tbk 96.24% 91.79% 96.68%

3. Bank Bukopin Tbk 81.94% 83.66% 82.10%

4. Bank Capital Indonesia Tbk 86.03% 91.75% 92.82%

5. Bank Central Asia Tbk 78.99% 77.11% 76.92%

6. Bank CIMB Niaga Tbk 82.98% 76.80% 76.10%

7. Bank Danamon Indonesia Tbk 51.60% 49.70% 54.10% 8. Bank Ekonomi Raharja Tbk 77.79% 76.32% 81.00% 9. Bank Himpunan Saudara 1906 Tbk 85.35% 79.30% 80.70% 10. Bank Mandiri (Persero) Tbk 79.23% 71.43% 77.00% 11. Bank Mayapada Internasional Tbk 87.36% 86.22% 89.17%

12. Bank MEGA Tbk 85.91% 77.79% 81.84%

13. Bank Negara Indonesia Tbk 84.90% 76.00% 72.60%

14. Bank OCBC NISP Tbk 79.85% 83.25% 76.88%

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16. Bank Pan Indonesia Tbk 80.42% 82.50% 84.12% 17. Bank Rakyat Indonesia (Persero) Tbk 77.66% 70.86% 66.69% 18. Bank Tabungan Pensiunan Nasional Tbk 89.88% 84.78% 88.58% 19. Bank Victoria International Tbk 92.05% 88.21% 78.33% 20. Bank Windu Kentjana International Tbk 91.92% 91.21% 92.97%

Loan to Deposit Ratio (LDR)

NO. Nama Perusahaan Tahun

2009 2010 2011

1. Bank Agroniaga Tbk 80.99% 86.68% 65.79%

2. Bank Artha Graha Internasional Tbk 84.04% 76.13% 82.21%

3. Bank Bukopin Tbk 75.99% 71.85% 85.01%

4. Bank Capital Indonesia Tbk 49.65% 50.60% 44.24%

5. Bank Central Asia Tbk 50.30% 55.20% 61.70%

6. Bank CIMB Niaga Tbk 95.11% 88.04% 94.41%

7. Bank Danamon Indonesia Tbk 88.80% 93.80% 98.30% 8. Bank Ekonomi Raharja Tbk 45.54% 62.44% 70.06% 9. Bank Himpunan Saudara 1906 Tbk 94.94% 100.20% 91.33% 10. Bank Mandiri (Persero) Tbk 61.40% 59.20% 74.10% 11. Bank Mayapada Internasional Tbk 83.77% 78.38% 82.10%

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13. Bank Negara Indonesia Tbk 64.10% 70.20% 70.40%

14. Bank OCBC NISP Tbk 73.26% 80.00% 87.04%

15. Bank Nusantara Parahyangan Tbk 73.64% 80.41% 84.92%

16. Bank Pan Indonesia Tbk 73.31% 74.22% 80.36%

(11)

Lampiran 4

Statistik Deskriptif Variabel Penelitian Descriptive Statistics

Sumber: hasil output SPSS yang diolah

N Minimum Maximum Mean

Standard

Deviation

Skewness Kurtosis

CAR 60 12.56 44.62 17.7767 6.06914 3.071 11.591

NPL 60 .00 5.07 2.1598 1.30708 .408 -.705

NPM 60 .52 33.89 13.5717 6.80127 .659 .570

NIM 60 1.12 14.00 5.6460 2.63713 1.301 2.008

BOPO 60 49.70 97.98 82.0533 9.82861 -1.288 2.773

LDR 60 40.22 100.20 73.9742 14.66153 -.408 -.545

TGKT_KES 60 .00 1.00 .9167 .27872 -3.093 7.826

Valid N

(listwise)

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Lampiran 5

a. Constant is included in the model.

b. Initial -2 Log Likelihood: 34.420

c. Estimation terminated at iteration number

5 because parameter estimates changed by

less than .001.

Sumber: hasil output SPSS yang diolah

Lampiran 6

(13)

6 1.350 45.483 -.194 -1.881 .173 3.611 -.234 -.391

d. Estimation terminated at iteration number 20 because maximum iterations

has been reached. Final solution cannot be found.

(14)

Lampiran 7

a. Estimation terminated at iteration number

20 because maximum iterations has been

reached. Final solution cannot be found.

Sumber: hasil output SPSS yang diolah

Lampiran 8

Uji Hosmer and Lemeshow’s Goodness of Fit Test Hosmer and Lemeshow Test

Step

Chi-square df Sig.

1 .000 2 1.000

(15)

Lampiran 9

Hasil Uji Multikolonearitas Correlation Matrix

Constant CAR NPL NPM NIM BOPO LDR Step 1 Constant 1.000 -.092 -.455 -.637 .226 -.910 -.809

CAR -.092 1.000 -.705 -.614 -.619 -.063 -.160

NPL -.455 -.705 1.000 .697 .314 .448 .592

NPM -.637 -.614 .697 1.000 .453 .684 .609

NIM .226 -.619 .314 .453 1.000 -.137 -.254

BOPO -.910 -.063 .448 .684 -.137 1.000 .608

LDR -.809 -.160 .592 .609 -.254 .608 1.000

(16)

Lampiran 10

Classification Table

Predicted

Observed TGKT_KES

tidak

sehat sehat Percentage Correct

Step

1 TGKT_KES tidak sehat 5 0 100.0

Sehat 0 55 100.0

Overall Percentage 100.0

a. The cut value is .500

(17)

Lampiran 11

Hasil Uji Koefisien Regresi Logistik

Sumber: hasil output SPSS yang diolah

Variables in the Equation

B S.E. Wald df Sig. Exp(B)

Step 1a CAR -1.858 2.233.234 .000 1 .999 .156

NPL -11.285 5.730.300 .000 1 .998 .000

NPM .510 842.401 .000 1 1.000 1.665

NIM 27.891 2.775.796 .000 1 .992 1,30E+15

BOPO -2.196 435.593 .000 1 .996 .111

LDR -2.367 375.112 .000 1 .995 .094

Constant 336.174 71.353.590 .000 1 .996 9,97E+148

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