Lampiran 1
Daftar Sampel Perusahaan
Daftar Sampel Perusahaan Perbankan
No Kode Nama Bank Tanggal IPO
1 AGRO Bank Rakyat Indonesia Agro Niaga Tbk 08-Aug-2003
2 BACA Bank Capital Indonesia Tbk 08-Aug-2002
3 BAEK Bank Ekonomi Raharja Tbk 08-Jan-2008
4 BBCA Bank Central Asia Tbk 31-May-2000
5 BBKP Bank Bukopoin Tbk 10-Jul-2006
6 BBNI Bank Negara Indonesia (Persero) Tbk 25-Nov-1996
7 BBNP Bank Nusantara Parahyangan Tbk 10-Jan-2001
8 BBRI Bank Rakyat Indonesia (Persero) Tbk 10-Nov-2003
9 BBTN Bank Tabungan Negara (Persero) Tbk 17-Dec-2009
10 BCIC Bank Mutiara Tbk 25-Jun-1997
11 BDMN Bank Danamon Indonesia Tbk 06-Dec-1989
12 BEKS Bank Pundi Indonesia Tbk 13-Jul-2001
13 BJBR Bank Jabar Banten Tbk 08-Jul-2010
14 BMRI Bank Mandiri (Persero) Tbk 14-Jul-2003
15 BNBA Bank Bumi Artha Tbk 31-Dec-1999
16 BNGA Bank CIMB Niaga Tbk 29-Nov-1989
17 BNII Bank Internasional Indonesia Tbk 21-Nov-1989
18 BNLI Bank Permata Tbk 15-Jan-1990
19 BSIM Bank Sinarmas Tbk 13-Dec-2010
20 BSWD Bank Swadesi Tbk 01-May-2002
21 BTPN Bank Tabungan Pensiunan Nasional Tbk 12-Mar-2008
22 BVIC Bank Victoria International Tbk 30-Jun-1999
23 MAYA Bank Mayapada International Tbk 29-Aug-1997
24 MEGA Bank Mega Tbk 17-Apr-2000
25 NISP Bank NISP OCBC Tbk 20-Oct-1994
26 PNBN Bank Pan Indonesia Tbk 29-Dec-1982
27 SDRA Bank Himpunan Saudara 1906 Tbk 15-Dec-2006
28 MCOR Bank Windu Kentjana Internatonal Tbk 03-Jul-2007
29 INPC Bank Artha Graha International Tbk 29-Aug-1990
30 BKSW Bank Kesawan Tbk 21-Nov-2002
Lampiran 2
Data Variabel Penelitian
Data Variabel ROA Tahun 2010
ROA= Laba Sebelum Pajak/Total Asset x 100%
No KODE Laba Sebelum Pajak (Rp) Total Asset (Rp) ROA (%)
1 AGRO 19,381,468,000 3,054,092,727,000 0.63%
2 BACA 29,040,655,000 4,399,404,518,000 0.66%
3 BAEK 396,703,000,000 21,522,321,000,000 1.84%
4 BBCA 10,653,269,000,000 324,419,069,000,000 3.28%
5 BBKP 667,065,000,000 47,489,366,000,000 1.40%
6 BBNI 1,382,262,000,000 248,580,529,000,000 0.56%
7 BBNP 63,194,158,000 5,282,255,159,000 1.20%
8 BBRI 14,908,230,000,000 404,285,602,000,000 3.69%
9 BBTN 1,250,222,000,000 68,385,539,000,000 1.83%
10 BCIC 218,241,000,000 10,783,886,000,000 2.02%
11 BDMN 4,001,531,000,000 118,206,573,000,000 3.39%
12 BEKS 147,253,000,000 1,561,622,000,000 9.43%
13 BJBR 1,219,628,000,000 43,445,700,000,000 2.81%
14 BMRI 13,972,162,000,000 449,774,551,000,000 3.11%
15 BNBA 36,547,690,305 2,661,051,689,702 1.37%
16 BNGA 3,389,504,000,000 143,652,852,000,000 2.36%
17 BNII 789,736,000,000 75,130,433,000,000 1.05%
18 BNLI 1,238,133,000,000 73,813,440,000,000 1.68%
19 BSIM 140,946,000,000 11,232,179,000,000 1.25%
20 BSWD 48,067,101,918,000 1,570,331,769,489,000 3.06%
21 BTPN 1,127,264,000,000 34,522,573,000,000 3.27%
22 BVIC 131,657,475,000 10,304,852,773,000 1.28%
23 MAYA 105,755,528,000 10,102,287,635,000 1.05%
24 MEGA 1,041,115,000,000 51,596,960,000,000 2.02%
25 NISP 428,316,000,000 44,474,822,000,000 0.96%
26 PNBN 1,897,611,000,000 108,947,955,000,000 1.74%
1 AGRO 44,985,281,000 3,481,155,340,000 1.29%
2 BACA 34,310,000,000 4,694,939,000,000 0.73%
3 BAEK 326,825,000,000 24,099,084,000,000 1.36%
4 BBCA 13,618,758,000,000 381,908,353,000,000 3.57%
5 BBKP 940,404,000,000 57,183,463,000,000 1.64%
6 BBNI 7,461,308,000,000 299,058,161,000,000 2.49%
7 BBNP 91,757,601,000 6,566,510,103,000 1.40%
8 BBRI 18,755,880,000,000 469,899,284,000,000 3.99%
9 BBTN 1,522,260,000,000 89,121,459,000,000 1.71%
10 BCIC 243,287,000,000 13,127,198,000,000 1.85%
11 BDMN 4,551,581,000,000 142,292,206,000,000 3.20%
12 BEKS 88,646,000,000 5,993,039,000,000 1.48%
13 BJBR 1,319,816,000,000 54,448,658,000,000 2.42%
14 BMRI 16,512,035,000,000 551,891,704,000,000 2.99%
15 BNBA 57,015,636,700 2,963,148,453,513 1.92%
16 BNGA 4,391,782,000,000 166,801,130,000,000 2.63%
17 BNII 985,306,000,000 94,919,111,000,000 1.04%
18 BNLI 1,558,818,000,000 101,324,002,000,000 1.54%
19 BSIM 155,077,000,000 16,658,656,000,000 0.93%
20 BSWD 64,541,516,776 2,080,427,739,215 3.10%
21 BTPN 1,783,341,000,000 46,651,141,000,000 3.82%
22 BVIC 239,238,525,000 11,802,562,942,000 2.03%
23 MAYA 230,477,283,000 12,951,201,232,000 1.78%
24 MEGA 1,191,316,000,000 61,909,027,000,000 1.92%
25 NISP 1,005,875,000,000 59,834,397,000,000 1.68%
26 PNBN 2,736,366,000,000 124,755,428,000,000 2.19%
27 SDRA 121,807,000,000 5,085,762,000,000 2.40%
28 MCOR 48,375,000,000 6,452,794,000,000 0.75%
29 INPC 139,810,000,000 19,185,436,000,000 0.73%
30 BKSW 15,550,000,000 3,593,817,000,000 0.43%
Data Variabel ROA Tahun 2012
ROA= Laba Sebelum Pajak/Total Asset x 100%
No KODE Laba Sebelum Pajak (Rp) Total Asset (Rp) ROA (%)
1 AGRO 51,471,054,000 4,040,140,235,000 1.27%
2 BACA 62,561,000,000 5,666,177,000,000 1.10%
3 BAEK 246,890,000,000 25,365,299,000,000 0.97%
4 BBCA 14,686,046,000,000 442,994,197,000,000 3.32%
5 BBKP 1,059,370,000,000 65,689,830,000,000 1.61%
6 BBNI 8,899,562,000,000 333,303,506,000,000 2.67%
7 BBNP 115,153,801,000 8,212,208,488,000 1.40%
8 BBRI 23,859,572,000,000 551,336,790,000,000 4.33%
9 BBTN 1,863,202,000,000 111,748,593,000,000 1.67%
10 BCIC 144,081,000,000 15,240,091,000,000 0.95%
11 BDMN 5,486,679,000,000 155,791,308,000,000 3.52%
12 BEKS 68,220,000,000 7,682,938,000,000 0.89%
13 BJBR 1,512,499,000,000 70,840,878,000,000 2.14%
14 BMRI 20,504,268,000,000 635,618,708,000,000 3.23%
15 BNBA 77,467,035,432 3,483,516,588,857 2.22%
16 BNGA 5,786,927,000,000 197,412,481,000,000 2.93%
17 BNII 1,695,869,000,000 115,772,908,000,000 1.46%
18 BNLI 1,888,081,000,000 131,798,595,000,000 1.43%
19 BSIM 285,479,000,000 15,151,892,000,000 1.88%
20 BSWD 73,921,748,519 2,540,740,993,910 2.91%
21 BTPN 2,485,314,000,000 59,090,132,000,000 4.21%
22 BVIC 252,594,217,000 14,352,840,454,000 1.76%
23 MAYA 351,140,867,000 17,166,551,873,000 2.05%
24 MEGA 1,566,014,000,000 65,219,108,000,000 2.40%
25 NISP 1,222,241,000,000 79,141,737,000,000 1.54%
26 PNBN 3,042,464,000,000 148,792,615,000,000 2.04%
27 SDRA 160,367,000,000 7,621,309,000,000 2.10%
28 MCOR 128,018,000,000 6,495,246,000,000 1.97%
29 INPC 49,697,000,000 20,558,770,000,000 0.24%
30 BKSW 34,424,000,000 4,644,654,000,000 0.74%
1 AGRO 71,589,231,000 5,124,070,015,000 1.40%
2 BACA 93,343,000,000 7,139,276,000,000 1.31%
3 BAEK 324,728,000,000 28,750,162,000,000 1.13%
4 BBCA 17,815,606,000,000 496,304,573,000,000 3.59%
5 BBKP 1,193,605,000,000 69,457,663,000,000 1.72%
6 BBNI 11,278,165,000,000 386,654,815,000,000 2.92%
7 BBNP 141,923,108,000 9,985,735,803,000 1.42%
8 BBRI 27,910,066,000,000 626,182,926,000,000 4.46%
9 BBTN 2,140,771,000,000 131,169,730,000,000 1.63%
10 BCIC 1,112,976,000,000 14,576,094,000,000 7.64%
11 BDMN 5,530,213,000,000 184,237,348,000,000 3.00%
12 BEKS 102,429,000,000 9,003,124,000,000 1.14%
13 BJBR 1,752,874,000,000 70,958,233,000,000 2.47%
14 BMRI 24,061,837,000,000 733,099,762,000,000 3.28%
15 BNBA 78,854,904,089 4,045,672,277,612 1.95%
16 BNGA 5,832,017,000,000 218,866,409,000,000 2.66%
17 BNII 2,184,224,000,000 140,546,751,000,000 1.55%
18 BNLI 2,301,503,000,000 165,833,922,000,000 1.39%
19 BSIM 286,100,000,000 17,447,455,000,000 1.64%
20 BSWD 109,583,379,645 3,601,335,866,618 3.04%
21 BTPN 2,868,855,000,000 69,661,464,000,000 4.12%
22 BVIC 311,950,209,000 19,153,130,890,000 1.63%
23 MAYA 509,628,250,000 24,015,571,540,000 2.12%
24 MEGA 632,550,000,000 66,475,698,000,000 0.95%
25 NISP 1,529,716,000,000 97,524,537,000,000 1.57%
26 PNBN 3,252,163,000,000 164,055,578,000,000 1.98%
27 SDRA 272,623,000,000 6,221,880,000,000 4.38%
28 MCOR 118,708,000,000 7,917,214,000,000 1.50%
29 INPC 293,613,000,000 21,197,512,000,000 1.39%
30 BKSW 5,087,000,000 11,047,615,000,000 0.05%
Data Variabel ROA Tahun 2014
ROA= Laba Sebelum Pajak/Total Asset x 100%
No KODE Laba Sebelum Pajak (Rp) Total Asset (Rp) ROA (%)
1 AGRO 85,353,649,000 6,385,191,484,000 1.34%
2 BACA 98,896,000,000 9,251,776,000,000 1.07%
3 BAEK 89,154,000,000 29,726,856,000,000 0.30%
4 BBCA 20,741,121,000,000 552,423,892,000,000 3.75%
5 BBKP 971,121,000,000 79,051,268,000,000 1.23%
6 BBNI 13,524,310,000,000 416,573,708,000,000 3.25%
7 BBNP 130,448,583,000 9,468,873,488,000 1.38%
8 BBRI 30,859,073,000,000 801,955,021,000,000 3.85%
9 BBTN 1,548,172,000,000 144,575,961,000,000 1.07%
10 BCIC 669,934,000,000 12,682,021,000,000 5.28%
11 BDMN 3,553,534,000,000 195,708,593,000,000 1.82%
12 BEKS 148,229,000,000 9,044,046,000,000 1.64%
13 BJBR 1,438,490,000,000 75,836,537,000,000 1.90%
14 BMRI 26,008,015,000,000 855,039,673,000,000 3.04%
15 BNBA 70,541,753,499 5,155,422,644,599 1.37%
16 BNGA 3,200,169,000,000 233,162,423,000,000 1.37%
17 BNII 959,834,000,000 143,318,466,000,000 0.67%
18 BNLI 2,046,223,000,000 185,349,861,000,000 1.10%
19 BSIM 200,895,000,000 21,259,549,000,000 0.94%
20 BSWD 142,022,485,716 5,199,184,618,629 2.73%
21 BTPN 2,522,528,000,000 75,014,737,000,000 3.36%
22 BVIC 121,532,701,000 21,364,882,284,000 0.57%
23 MAYA 580,328,464,000 36,173,590,792,000 1.60%
24 MEGA 697,981,000,000 66,647,891,000,000 1.05%
25 NISP 1,776,712,000,000 103,123,179,000,000 1.72%
26 PNBN 3,477,071,000,000 172,581,667,000,000 2.01%
27 SDRA 188,798,000,000 16,432,776,000,000 1.15%
28 MCOR 71,448,000,000 9,769,591,000,000 0.73%
29 INPC 177,777,000,000 23,453,347,000,000 0.76%
30 BKSW 161,911,000,000 20,839,018,000,000 0.78%
1 AGRO 278,016,000 1,777,461,000 15.64%
2 BACA 557,573,000 1,903,415,000 29.29%
3 BAEK 2,292,988,000,000 12,037,035,000,000 19.05%
4 BBCA 27,722,168,000,000 205,349,477,000,000 13.50%
5 BBKP 2,668,385,000,000 22,129,345,000,000 12.06%
6 BBNI 29,506,937,000,000 141,407,029,000,000 20.87%
7 BBNP 535,060,000 4,135,630,000 12.94%
8 BBRI 31,710,589,000,000 230,447,032,000,000 13.76%
9 BBTN 6,069,569,000,000 36,265,214,000,000 16.74%
10 BCIC 690,734,000,000 6,187,835,000,000 11.16%
11 BDMN 15,552,141,000,000 96,938,654,000,000 16.04%
12 BEKS 298,803,000,000 2,049,068,000,000 14.58%
13 BJBR 4,207,265,000,000 50,166,717,000,000 8.39%
14 BMRI 35,654,733,000,000 266,846,641,000,000 13.36%
15 BNBA 388,719,067,680 1,554,185,438,167 25.01%
16 BNGA 15,453,251,000,000 232,383,486,000,000 6.65%
17 BNII 7,140,575,000,000 56,450,403,000,000 12.65%
18 BNLI 8,748,844,000,000 57,934,246,000,000 15.10%
19 BSIM 974,124,000,000 6,906,512,000,000 14.10%
20 BSWD 306,375,000,000 1,140,421,000,000 26.87%
21 BTPN 3,892,194,000,000 47,745,459,000,000 8.15%
22 BVIC 645,982,109,000 5,983,903,537,000 10.80%
23 MAYA 1,522,136,000 7,462,633,000 20.40%
24 MEGA 4,405,094,000,000 29,301,148,000,000 15.03%
25 NISP 6,876,414,000,000 39,014,869,000,000 17.63%
26 PNBN 10,793,317,000,000 65,078,846,000,000 16.58%
27 SDRA 387,663,000,000 5,553,223,000,000 6.98%
28 MCOR 521,478,000,000 2,922,754,000,000 17.84%
29 INPC 1,607,288,241,915 11,067,937,280,366 14.52%
30 BKSW 169,493,130,562 1,580,395,332,209 10.72%
Data Variabel CAR Tahun 2011 CAR= Modal Bank/Total ATMR x 100%
No KODE Modal Bank (Rp) Total ATMR (Rp) CAR (%)
1 AGRO 305,446,315,000 1,863,351,686,000 16.39%
2 BACA 603,290,000,000 2,796,080,000,000 21.58%
3 BAEK 3,108,566,000,000 18,427,755,000,000 16.87%
4 BBCA 37,173,136,000,000 280,197,088,000,000 13.27%
5 BBKP 3,920,021,000,000 30,851,552,000,000 12.71%
6 BBNI 32,691,914,000,000 158,488,457,000,000 20.63%
7 BBNP 642,967,000 4,781,855,000 13.45%
8 BBRI 41,815,988,000,000 279,602,642,000,000 14.96%
9 BBTN 6,968,366,000,000 46,223,519,000,000 15.08%
10 BCIC 912,414,000,000 9,696,523,000,000 9.41%
11 BDMN 22,162,845,000,000 126,263,998,000,000 17.55%
12 BEKS 431,900,000,000 3,594,245,000,000 12.02%
13 BJBR 4,535,765,000,000 64,855,092,000,000 6.99%
14 BMRI 54,084,246,000,000 352,519,994,000,000 15.34%
15 BNBA 413,528,881,514 2,071,877,938,095 19.96%
16 BNGA 19,567,944,000,000 297,331,546,000,000 6.58%
17 BNII 8,788,210,000,000 73,082,389,000,000 12.03%
18 BNLI 11,419,858,000,000 76,394,336,000,000 14.95%
19 BSIM 1,382,626,000,000 9,887,258,000,000 13.98%
20 BSWD 328,468,000,000 1,416,344,000,000 23.19%
21 BTPN 5,009,906,000,000 68,698,078,000,000 7.29%
22 BVIC 1,107,333,759,000 7,450,147,500,000 14.86%
23 MAYA 1,514,314,000 10,315,378,000 14.68%
24 MEGA 4,736,571,000,000 39,940,146,000,000 11.86%
25 NISP 7,526,639,000,000 54,744,787,000,000 13.75%
26 PNBN 14,507,907,000,000 83,138,538,000,000 17.45%
27 SDRA 394,038,000,000 7,881,353,000,000 5.00%
28 MCOR 572,479,000,000 4,905,447,000,000 11.67%
29 INPC 1,651,615,000,000 13,159,331,000,000 12.55%
30 BKSW 884,212,000,000 1,932,689,000,000 45.75%
1 AGRO 354,192,967,000 2,393,132,058,000 14.80%
2 BACA 624,532,000,000 3,331,859,000,000 18.74%
3 BAEK 3,004,115,000,000 19,226,883,000,000 15.62%
4 BBCA 46,304,184,000,000 315,123,731,000,000 14.69%
5 BBKP 5,820,205,000,000 35,620,713,000,000 16.34%
6 BBNI 39,198,859,000,000 202,799,256,000,000 19.33%
7 BBNP 721,629,000 5,927,888,000 12.17%
8 BBRI 55,133,677,000,000 325,352,028,000,000 16.95%
9 BBTN 9,433,162,000,000 53,321,389,000,000 17.69%
10 BCIC 1,054,779,000,000 10,453,378,000,000 10.09%
11 BDMN 24,662,658,000,000 130,486,278,000,000 18.90%
12 BEKS 675,133,000,000 5,086,256,000,000 13.27%
13 BJBR 4,572,375,000,000 64,809,334,000,000 7.06%
14 BMRI 61,947,504,000,000 400,189,948,000,000 15.48%
15 BNBA 429,006,003,016 2,236,444,040,753 19.18%
16 BNGA 23,361,501,000,000 308,584,769,000,000 7.57%
17 BNII 10,885,881,000,000 84,268,872,000,000 12.92%
18 BNLI 16,797,965,000,000 100,400,282,000,000 16.73%
19 BSIM 1,790,135,000,000 9,897,087,000,000 18.09%
20 BSWD 341,701,000,000 1,619,397,000,000 21.10%
21 BTPN 6,868,996,000,000 89,131,345,000,000 7.71%
22 BVIC 1,620,669,924,000 9,044,577,949,000 17.92%
23 MAYA 1,548,059,000 14,164,214,000 10.93%
24 MEGA 5,567,133,000,000 33,077,430,000,000 16.83%
25 NISP 9,873,095,000,000 59,884,808,000,000 16.49%
26 PNBN 15,669,085,000,000 106,835,674,000,000 14.67%
27 SDRA 662,943,000,000 12,467,558,000,000 5.32%
28 MCOR 719,143,000,000 5,187,694,000,000 13.86%
29 INPC 1,446,680,000,000 15,147,172,000,000 9.55%
30 BKSW 854,409,000,000 3,077,876,000,000 27.76%
Data Variabel CAR Tahun 2013 CAR= Modal Bank/Total ATMR x 100%
No KODE Modal Bank (Rp) Total ATMR (Rp) CAR (%)
1 AGRO 843,207,216,000 3,904,012,931,000 21.60%
2 BACA 852,686,000,000 4,236,092,000,000 20.13%
3 BAEK 2,943,052,000,000 22,467,480,000,000 13.10%
4 BBCA 58,604,765,000,000 365,510,273,000,000 16.03%
5 BBKP 6,574,389,000,000 43,468,860,000,000 15.12%
6 BBNI 43,563,420,000,000 251,141,940,000,000 17.35%
7 BBNP 1,132,014,000 7,187,754,000 15.75%
8 BBRI 69,472,036,000,000 408,858,393,000,000 16.99%
9 BBTN 10,353,005,000,000 66,261,700,000,000 15.62%
10 BCIC 1,398,860,000,000 9,968,125,000,000 14.03%
11 BDMN 27,701,698,000,000 155,140,150,000,000 17.86%
12 BEKS 764,739,000,000 6,691,848,000,000 11.43%
13 BJBR 5,340,417,000,000 83,381,666,000,000 6.40%
14 BMRI 73,345,421,000,000 491,276,170,000,000 14.93%
15 BNBA 489,197,462,362 2,878,836,060,540 16.99%
16 BNGA 26,877,844,000,000 348,033,654,000,000 7.72%
17 BNII 13,390,460,000,000 104,909,778,000,000 12.76%
18 BNLI 18,487,427,000,000 127,400,800,000,000 14.51%
19 BSIM 2,637,497,000,000 12,088,898,000,000 21.82%
20 BSWD 411,619,000,000 2,694,332,000,000 15.28%
21 BTPN 8,972,273,000,000 107,394,333,000,000 8.35%
22 BVIC 2,336,935,000,000 12,666,109,000,000 18.45%
23 MAYA 2,757,058,000 19,596,665,000 14.07%
24 MEGA 5,704,179,000,000 36,229,890,000,000 15.74%
25 NISP 14,275,975,000,000 74,034,874,000,000 19.28%
26 PNBN 18,756,291,000,000 122,398,542,000,000 15.32%
27 SDRA 678,841,000,000 14,282,111,000,000 4.75%
28 MCOR 966,668,000,000 6,583,700,000,000 14.68%
29 INPC 2,695,768,000,000 16,539,984,000,000 16.30%
30 BKSW 1,500,350,000,000 8,009,889,000,000 18.73%
1 AGRO 902,376,278,000 4,733,908,205,000 19.06%
2 BACA 925,852,000,000 5,633,486,000,000 16.43%
3 BAEK 3,149,380,000,000 23,490,958,000,000 13.41%
4 BBCA 70,961,097,000,000 411,665,878,000,000 17.24%
5 BBKP 6,896,811,000,000 48,551,547,000,000 14.21%
6 BBNI 50,352,050,000,000 268,430,052,000,000 18.76%
7 BBNP 1,199,445,000 7,224,270,000 16.60%
8 BBRI 85,706,557,000,000 468,182,076,000,000 18.31%
9 BBTN 11,171,458,000,000 76,332,641,000,000 14.64%
10 BCIC 1,055,792,000,000 7,734,119,000,000 13.65%
11 BDMN 29,702,743,000,000 166,294,433,000,000 17.86%
12 BEKS 708,909,000,000 7,052,809,000,000 10.05%
13 BJBR 5,759,136,000,000 91,863,490,000,000 6.27%
14 BMRI 85,479,697,000,000 514,904,536,000,000 16.60%
15 BNBA 532,392,113,274 3,531,891,784,360 15.07%
16 BNGA 29,622,900,000,000 383,696,458,000,000 7.72%
17 BNII 1,884,651,000,000 105,486,413,000,000 1.79%
18 BNLI 19,832,236,000,000 143,851,568,000,000 13.79%
19 BSIM 2,976,939,000,000 16,197,119,000,000 18.38%
20 BSWD 515,201,000,000 3,565,235,000,000 14.45%
21 BTPN 10,904,893,000,000 128,837,180,000,000 8.46%
22 BVIC 2,476,732,000,000 13,569,183,000,000 18.25%
23 MAYA 2,985,448,000 28,606,865,000 10.44%
24 MEGA 6,310,948,000,000 41,449,630,000,000 15.23%
25 NISP 15,360,785,000,000 81,968,368,000,000 18.74%
26 PNBN 20,278,682,000,000 129,835,707,000,000 15.62%
27 SDRA 722,415,000,000 15,626,746,000,000 4.62%
28 MCOR 1,152,179,000,000 8,143,268,000,000 14.15%
29 INPC 2,949,866,000,000 18,804,389,000,000 15.69%
30 BKSW 2,203,577,000,000 14,596,515,000,000 15.10%
Data Variabel NPL Tahun 2010-2014
NPL= Kredit Bermasalah/Kredit yang Diberikan x 100%
No KODE NPL (%) NPL (%) NPL (%) NPL (%) NPL (%)
1 AGRO 8.82% 3.55% 3.68% 2.27% 2.02%
2 BACA 0.99% 0.69% 1.57% 0.19% 0.24%
3 BAEK 0.35% 0.74% 0.28% 0.72% 1.61%
4 BBCA 0.60% 0.50% 0.40% 0.40% 0.60%
5 BBKP 3.22% 2.88% 2.66% 2.26% 2.78%
6 BBNI 1.11% 0.51% 0.75% 0.55% 0.39%
7 BBNP 0.63% 0.78% 0.58% 0.45% 1.41%
8 BBRI 2.78% 2.30% 1.78% 1.55% 1.69%
9 BBTN 2.66% 2.23% 3.12% 3.04% 2.79%
10 BCIC 4.84% 4.46% 3.16% 3.61% 5.45%
11 BDMN 0.00% 0.00% 0.20% 1.10% 1.30%
12 BEKS 4.03% 3.95% 4.81% 3.39% 4.85%
13 BJBR 0.29% 0.41% 0.50% 0.64% 1.04%
14 BMRI 0.54% 0.45% 0.37% 0.37% 0.32%
15 BNBA 1.83% 0.50% 0.00% 0.00% 0.08%
16 BNGA 1.92% 1.46% 1.11% 1.55% 1.94%
17 BNII 1.74% 1.10% 0.81% 1.55% 1.48%
18 BNLI 0.74% 0.55% 0.41% 0.31% 0.63%
19 BSIM 1.11% 0.79% 2.57% 2.12% 2.56%
20 BSWD 2.42% 1.40% 0.54% 0.40% 0.11%
21 BTPN 1.10% 0.70% 0.60% 0.70% 0.70%
22 BVIC 0.00% 0.22% 1.76% 0.32% 2.61%
23 MAYA 3.27% 2.51% 3.02% 1.04% 1.46%
24 MEGA 0.90% 0.98% 2.09% 2.17% 2.09%
25 NISP 0.94% 0.59% 0.37% 0.35% 0.80%
26 PNBN 2.68% 0.92% 0.48% 0.75% 0.46%
27 SDRA 0.86% 1.08% 0.57% 0.41% 1.81%
28 MCOR 1.12% 1.42% 1.44% 1.33% 2.43%
29 INPC 2.00% 1.85% 0.80% 1.76% 1.69%
30 BKSW 1.91% 0.82% 0.31% 0.10% 0.23%
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%
Data Variabel NIM Tahun 2011
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100% No KODE Pendapatan Bunga
Bersih (Rp)
Rata-rata Aktiva Produktif (Rp)
NIM (%)
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%
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%
Data Variabel NIM Tahun 2013
NIM= Pendapatan Bunga Bersih/Rata-rata Aktiva Produktif x 100% No KODE Pendapatan Bunga
Bersih (Rp)
Rata-rata Aktiva Produktif (Rp)
NIM (%)
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%
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%
Data Variabel LDR Tahun 2010
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100% No KODE Jumlah Kredit yang
Diberikan (Rp)
Total Dana Pihak Ketiga (Rp)
LDR (%)
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%
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%
Data Variabel LDR Tahun 2012
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100% No KODE Jumlah Kredit yang
Diberikan (Rp)
Total Dana Pihak Ketiga (Rp)
LDR (%)
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%
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%
Data Variabel LDR Tahun 2014
LDR= Jumlah Kredit yang Diberikan/Total Dana Pihak Ketiga x 100% No KODE Jumlah Kredit yang
Diberikan (Rp)
Total Dana Pihak Ketiga (Rp)
LDR (%)
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%
(Rp) Operasional (Rp) (%)
1 AGRO 310,199,954,000 372,482,687,000 83.28%
2 BACA 321,882,292,000 344,333,602,000 93.48%
3 BAEK 1,241,638,000,000 1,642,737,000,000 75.58%
4 BBCA 17,295,667,000,000 28,020,102,000,000 61.73%
5 BBKP 3,465,673,000,000 4,335,992,000,000 79.93%
6 BBNI 16,743,071,000,000 25,898,450,000,000 64.65%
7 BBNP 372,926,912,000 422,596,363,000 88.25%
8 BBRI 27,840,251,000,000 50,159,695,000,000 55.50%
9 BBTN 5,391,145,000,000 6,986,642,000,000 77.16%
10 BCIC 882,819,000,000 808,043,000,000 109.25%
11 BDMN 13,744,516,000,000 18,001,580,000,000 76.35%
12 BEKS 194,887,000,000 142,774,000,000 136.50%
13 BJBR 4,010,175,000,000 5,195,709,000,000 77.18%
14 BMRI 26,469,571,000,000 42,364,467,000,000 62.48%
15 BNBA 207,030,870,431 248,796,124,677 83.21%
16 BNGA 23,288,990,000,000 13,816,429,000,000 168.56%
17 BNII 7,728,203,000,000 8,495,301,000,000 90.97%
18 BNLI 5,262,609,000,000 6,786,825,000,000 77.54%
19 BSIM 853,070,000,000 994,680,000,000 85.76%
20 BSWD 118,413,714,958 176,463,223,593 67.10%
21 BTPN 4,593,717,000,000 5,739,822,000,000 80.03%
22 BVIC 911,965,369,000 1,041,236,404,000 87.58%
23 MAYA 944,826,257,000 1,072,377,445,000 88.11%
24 MEGA 3,697,957,000,000 4,766,334,000,000 77.58%
25 NISP 3,007,086,000,000 3,813,453,000,000 78.85%
26 PNBN 6,472,952,000,000 9,545,713,000,000 67.81%
27 SDRA 358,843,000,000 465,372,000,000 77.11%
28 MCOR 349,153,000,000 382,819,000,000 91.21%
29 INPC 1,445,651,524,520 1,574,946,015,492 91.79%
30 BKSW 224,248,908,760 244,209,105,660 91.83%
Data Variabel BOPO Tahun 2011
BOPO = Biaya Operasional/Pendapatan Operasional x 100% No KODE Total Beban Operasional
(Rp)
Total Pendapatan Operasional (Rp)
BOPO (%)
1 AGRO 331,273,908,000 357,438,312,000 92.68%
2 BACA 383,389,000,000 424,958,000,000 90.22%
3 BAEK 1,348,243,000,000 2,603,630,000,000 51.78%
4 BBCA 18,482,090,000,000 49,832,711,000,000 37.09%
5 BBKP 4,047,405,000,000 4,889,331,000,000 82.78%
6 BBNI 18,629,984,000,000 28,293,271,000,000 65.85%
7 BBNP 521,285,816,000 636,322,682,000 81.92%
8 BBRI 30,822,899,000,000 53,940,323,000,000 57.14%
9 BBTN 6,490,348,000,000 8,068,121,000,000 80.44%
10 BCIC 1,187,229,000,000 1,129,256,000,000 105.13%
11 BDMN 16,313,362,000,000 21,095,612,000,000 77.33%
12 BEKS 547,350,000,000 593,473,000,000 92.23%
13 BJBR 4,942,324,000,000 6,213,783,000,000 79.54%
14 BMRI 32,266,058,000,000 49,498,370,000,000 65.19%
15 BNBA 229,943,343,352 277,859,271,192 82.76%
16 BNGA 12,094,971,000,000 17,052,975,000,000 70.93%
17 BNII 9,196,891,000,000 10,159,485,000,000 90.53%
18 BNLI 6,922,070,000,000 7,812,005,000,000 88.61%
19 BSIM 1,247,843,000,000 1,914,557,000,000 65.18%
20 BSWD 120,561,424,322 191,713,226,313 62.89%
21 BTPN 5,861,160,000,000 7,656,443,000,000 76.55%
22 BVIC 727,333,262,000 959,017,729,000 75.84%
23 MAYA 1,113,454,497,000 1,373,785,807,000 81.05%
24 MEGA 5,024,748,000,000 6,155,202,000,000 81.63%
25 NISP 3,634,659,000,000 4,838,032,000,000 75.13%
26 PNBN 8,466,011,000,000 12,083,440,000,000 70.06%
27 SDRA 498,664,000,000 617,369,000,000 80.77%
28 MCOR 473,257,000,000 514,460,000,000 91.99%
29 INPC 1,598,803,000,000 1,723,181,000,000 92.78%
30 BKSW 289,552,000,000 299,393,000,000 96.71%
(Rp) Operasional (Rp) (%)
1 AGRO 274,768,330,000 363,909,099,000 75.50%
2 BACA 409,094,000,000 472,067,000,000 86.66%
3 BAEK 1,638,101,000,000 2,842,897,000,000 57.62%
4 BBCA 21,005,555,000,000 30,499,240,000,000 68.87%
5 BBKP 4,397,820,000,000 5,426,331,000,000 81.05%
6 BBNI 19,984,628,000,000 31,150,328,000,000 64.16%
7 BBNP 622,118,258,000 770,551,484,000 80.74%
8 BBRI 32,617,687,000,000 58,000,153,000,000 56.24%
9 BBTN 7,305,321,000,000 9,390,073,000,000 77.80%
10 BCIC 1,229,779,000,000 1,359,595,000,000 90.45%
11 BDMN 17,788,488,000,000 23,506,880,000,000 75.67%
12 BEKS 1,349,510,000,000 1,593,676,000,000 84.68%
13 BJBR 5,706,807,000,000 7,112,521,000,000 80.24%
14 BMRI 33,932,878,000,000 54,448,264,000,000 62.32%
15 BNBA 260,867,324,737 331,131,288,178 78.78%
16 BNGA 12,542,818,000,000 18,910,881,000,000 66.33%
17 BNII 9,909,128,000,000 11,576,492,000,000 85.60%
18 BNLI 8,044,072,000,000 9,256,559,000,000 86.90%
19 BSIM 1,337,255,000,000 2,402,926,000,000 55.65%
20 BSWD 153,862,818,242 218,286,279,946 70.49%
21 BTPN 7,088,619,000,000 9,575,777,000,000 74.03%
22 BVIC 966,335,448,000 1,202,322,540,000 80.37%
23 MAYA 1,304,762,841,000 1,742,189,072,000 74.89%
24 MEGA 5,010,092,000,000 6,548,611,000,000 76.51%
25 NISP 4,299,653,000,000 5,760,036,000,000 74.65%
26 PNBN 9,519,713,000,000 13,327,467,000,000 71.43%
27 SDRA 694,886,000,000 852,723,000,000 81.49%
28 MCOR 527,183,000,000 622,503,000,000 84.69%
29 INPC 1,801,951,000,000 1,942,184,000,000 92.78%
30 BKSW 416,326,000,000 368,712,000,000 112.91%
Data Variabel BOPO Tahun 2013
BOPO = Biaya Operasional/Pendapatan Operasional x 100%
No KODE Total Beban
Operasional (Rp)
Total Pendapatan Operasional (Rp)
BOPO (%)
1 AGRO 375,554,672,000 473,314,788,000 79.35%
2 BACA 487,632,000,000 572,269,000,000 85.21%
3 BAEK 1,850,655,000,000 3,334,796,000,000 55.50%
4 BBCA 24,499,149,000,000 68,649,363,000,000 35.69%
5 BBKP 5,447,261,000,000 6,369,556,000,000 85.52%
6 BBNI 21,965,115,000,000 35,891,612,000,000 61.20%
7 BBNP 770,642,673,000 959,822,052,000 80.29%
8 BBRI 37,735,591,000,000 67,809,543,000,000 55.65%
9 BBTN 8,978,596,000,000 11,546,860,000,000 77.76%
10 BCIC 2,547,456,000,000 1,377,794,000,000 184.89%
11 BDMN 20,168,648,000,000 25,286,475,000,000 79.76%
12 BEKS 1,618,230,000,000 2,704,767,000,000 59.83%
13 BJBR 6,838,315,000,000 8,553,552,000,000 79.95%
14 BMRI 38,933,203,000,000 64,895,479,000,000 59.99%
15 BNBA 349,180,384,285 414,615,313,762 84.22%
16 BNGA 14,244,515,000,000 20,490,013,000,000 69.52%
17 BNII 10,572,345,000,000 12,862,998,000,000 82.19%
18 BNLI 10,173,836,000,000 11,210,504,000,000 90.75%
19 BSIM 1,379,277,000,000 2,491,737,000,000 55.35%
20 BSWD 189,623,732,321 305,438,403,143 62.08%
21 BTPN 8,465,694,000,000 11,343,452,000,000 74.63%
22 BVIC 1,323,250,339,000 1,619,238,953,000 81.72%
23 MAYA 1,813,066,473,000 2,361,123,209,000 76.79%
24 MEGA 5,444,070,000,000 6,051,930,000,000 89.96%
25 NISP 5,225,231,000,000 7,028,175,000,000 74.35%
26 PNBN 10,592,070,000,000 14,334,463,000,000 73.89%
27 SDRA 912,449,000,000 1,072,239,000,000 85.10%
28 MCOR 576,996,000,000 681,451,000,000 84.67%
29 INPC 1,738,315,000,000 2,045,687,000,000 84.97%
30 BKSW 667,770,000,000 662,307,000,000 100.82%
Operasional (Rp) Operasional (Rp) (%)
1 AGRO 517,386,249,000 638,234,290,000 81.07%
2 BACA 722,936,000,000 822,566,000,000 87.89%
3 BAEK 2,295,129,000,000 3,531,494,000,000 64.99%
4 BBCA 32,290,459,000,000 84,821,926,000,000 38.07%
5 BBKP 6,613,920,000,000 7,586,168,000,000 87.18%
6 BBNI 27,092,015,000,000 44,080,298,000,000 61.46%
7 BBNP 949,886,664,000 1,121,312,863,000 84.71%
8 BBRI 50,340,117,000,000 84,421,353,000,000 59.63%
9 BBTN 11,384,041,000,000 13,702,148,000,000 83.08%
10 BCIC 1,769,927,000,000 1,270,117,000,000 139.35%
11 BDMN 23,691,316,000,000 27,327,396,000,000 86.69%
12 BEKS 1,829,038,000,000 2,608,198,000,000 70.13%
13 BJBR 7,941,889,000,000 9,128,734,000,000 87.00%
14 BMRI 48,879,869,000,000 77,325,757,000,000 63.21%
15 BNBA 480,978,239,579 551,752,589,653 87.17%
16 BNGA 16,953,851,000,000 22,942,768,000,000 73.90%
17 BNII 14,358,868,000,000 15,323,380,000,000 93.71%
18 BNLI 13,614,730,000,000 14,596,695,000,000 93.27%
19 BSIM 1,844,717,000,000 3,033,237,000,000 60.82%
20 BSWD 327,520,255,525 475,462,644,059 68.88%
21 BTPN 10,497,633,000,000 13,032,675,000,000 80.55%
22 BVIC 2,059,768,475,000 2,163,253,312,000 95.22%
23 MAYA 3,081,589,639,000 3,660,008,707,000 84.20%
24 MEGA 6,729,646,000,000 7,375,026,000,000 91.25%
25 NISP 6,652,771,000,000 8,650,814,000,000 76.90%
26 PNBN 13,573,527,000,000 17,369,669,000,000 78.14%
27 SDRA 237,633,000,000 429,681,000,000 55.30%
28 MCOR 852,655,000,000 920,941,000,000 92.59%
29 INPC 2,149,718,000,000 2,341,691,000,000 91.80%
30 BKSW 1,271,553,000,000 1,430,554,000,000 88.89%
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
Residual
N 155
Kolmogorov-Smirnov Z 1.264
Asymp. Sig. (2-tailed) .082
a. Test distribution is Normal.
b. Calculated from data.
Uji Heterokedastisitas
Uji Autokorelasi
Model Durbin-Watson
Uji Multkoliniearitas
Model
Collinearity Statistics
B Tolerance VIF
1 (Constant) .018
Capital Adequacy Ratio -.026 .938 1.066
Net Performing Loan -.128 .870 1.149
Net Interest Margin .178 .840 1.190
Loan to Deposit Ratio -.016 .963 1.038
BOPO .013 .760 1.315
Uji Statistik F
ANOVAb
Model Sum of Squares Df Mean Square F Sig.
1 Regression .004 5 .001 6.142 .000a
Residual .021 149 .000
Total .026 154
a. Predictors: (Constant), BOPO, Loan to Deposit Ratio, Capital Adequacy Ratio, Net Performing Loan, Net
Interest Margin
Model
Unstandardized
Coefficients
Standardized
Coefficients
t Sig.
B Std. Error Beta
1 (Constant) .018 .009 1.951 .053
Capital Adequacy Ratio -.026 .019 -.105 -1.358 .177
Net Performing Loan -.128 .070 -.147 -1.838 .068
Net Interest Margin .178 .039 .376 4.619 .000
Loan to Deposit Ratio -.016 .007 -.186 -2.445 .016
