DATA PENELITIAN 1. CAR CAR (%)

DATA PENELITIAN. CAR No. Tahun Nama Bank CAR (%) Arta Niaga Kencana 2,8 2 Artha Graha 0,58 3 Asiatic -9,9 4 Danpac 25,74 5 Global International 42, 6 Harmoni 7,47 7 IFI 22,62 8 Bukopin 20,37 9 International Indonesia 22,05 0 Mega 4,04 OCBC NISP 3,53 2 PAN Indonesia 42,5 3 Permata 0,78 4 UOB Indonesia 22,32 5 Yudha Bakti 3,75 6 Arta Niaga Kencana 20,82 7 Artha Graha 9,75 8 Harmoni 7,5 9 IFI 0,26 20 Bukopin 5,78 2 International Indonesia 20,77 22 Mega 3,42 23 OCBC NISP 4,87 24 PAN Indonesia 40,52 25 Permata,4 26 UOB Indonesia 2,92 27 Yudha Bakti 6,27 28 Arta Niaga Kencana 8,43 29 Lippo 2,39 30 Bukopin,6 3 International Indonesia 22,42 32 Mega 23,97 2003 2004 2005 7

72 33 OCBC NISP 9,95 34 PAN Indonesia 30,68 35 Permata 9,94 36 UOB Indonesia 20,08 37 Yudha Bakti 6,34 38 Arta Niaga Kencana 20,95 39 Harmoni 23,97 40 Lippo 23,46 4 Windhu Ketjana 8,5 42 Bukopin 5,6 43 International Indonesia 23,32 44 Mega 5,72 45 OCBC NISP 7, 46 PAN Indonesia 29,58 47 Permata 3,44 48 UOB Indonesia 30,4 49 Yudha Bakti 5,2 50 Harmoni,29 5 IFI 2,86 52 Lippo 4,83 53 Bukopin 2,84 54 International Indonesia 20 55 Mega,87 56 OCBC NISP 6,5 57 PAN Indonesia 2,68 58 Permata 3,44 59 UOB Indonesia 27,22 60 Yudha Bakti 5,47 6 Bukopin,2 62 International Indonesia 9,47 63 Mega 5,45 64 OCBC NISP 7,0 65 PAN Indonesia 20,53 66 Permata 0,76 67 UOB Indonesia 24,9 68 Yudha Bakti 5,8 69 Bukopin 4,3 70 International Indonesia 4,7 7 Mega 8,06 2006 2007 2008 2009

73 72 OCBC NISP 8 73 PAN Indonesia 22,32 74 Permata 2,24 75 UOB Indonesia 23,84 76 Yudha Bakti 2,75 2. Pemenuhan PPAP NO Tahun Nama Bank PPAP yg PPAP yg Pemenuhan telah wajib PPAP (%) dibentuk dibentuk Arta Niaga Kencana.68,000 659,000 77,238 2 Artha Graha 26.932,000 9.009,000 06,657 3 Asiatic 436.737,000 436.737,000 00,000 4 Danpac 5.726,000 5.704,000 00,386 5 Global International 24.67,000 24.67,000 00,000 6 Harmoni 2.567,000 2.30,000,560 7 IFI 6.242,000 6.242,000 00,000 8 Bukopin.235,000 32.438,000 34,635 9 International Indonesia 640.33,000 582.302,000 09,962 0 Mega 7.68,000 7.68,000 00,000 OCBC NISP 69.038,000 69.038,000 00,000 2 PAN Indonesia 99.344,000 477.656,000 207,544 3 Permata.22.923,000 677.872,000 80,259 4 UOB Indonesia 93.242,000 92.795,000 00,482 5 Yudha Bakti 26.607,000 2.266,000 25,5 6 Arta Niaga Kencana 7.689,000 7.63,000 00,998 7 Artha Graha 32.46,000 3.26,000 00,709 8 Harmoni 2.92,000 2.666,000 09,565 9 IFI 8.04,000 8.04,000 00,000 20 Bukopin 347.9,000 226.89,000 53,464 2 International Indonesia 437.62,000 345.076,000 26,89 22 Mega 2.097,000 2.077,000 00,07 23 OCBC NISP 8.642,000 67.43,000,34 24 PAN Indonesia 3.79,000 675.847,000 9,500 25 Permata.33.556,000 557.728,000 203,245 26 UOB Indonesia 2.07,000 2.07,000 00,000 2003 2004

74 27 Yudha Bakti 32.422,000 6.673,000 94,458 28 Arta Niaga Kencana 603,000 603,000 00,000 29 Lippo 539.734,000 20.333,000 256,609 30 Bukopin 244.322,000 244.322,000 00,000 3 International Indonesia 53.254,000 503.433,000 05,526 32 Mega 56.42,000 56.42,000 00,000 33 OCBC NISP 222.977,000 222.99,000 99,994 34 PAN Indonesia.330.599,000 888.25,000 49,82 35 Permata.045.495,000 73.97,000 46,593 36 UOB Indonesia 206.057,000 95.335,000 05,489 37 Yudha Bakti 24.904,000 2.983,000 3,288 38 Arta Niaga Kencana 76,000 8.8,000 0,929 39 Harmoni.956,000.36,000 48,632 40 Lippo 538.083,000 365.558,000 47,95 4 Windhu Ketjana 404,000 3.874,000 0,428 42 Bukopin 34.258,000 324.025,000 96,986 43 International Indonesia 745.384,000 68.03,000 09,438 44 Mega 7.426,000 74.6,000 0,006 45 OCBC NISP 25.805,000 25.547,000 00,03 46 PAN Indonesia.44.237,000 83.762,000 77,08 47 Permata 05.766,000 802.5,000 3,86 48 UOB Indonesia 26.368,000 23.363,000 2,862 49 Yudha Bakti 9.999,000 4.055,000 42,29 50 Harmoni 64,000 25,000 3,200 5 IFI 2.305,000 34.965,000 6,592 52 Lippo 564.353,000 447.305,000 26,67 53 Bukopin 438.9,000 473.789,000 92,47 54 International Indonesia 683.356,000 626.32,000 09,39 55 Mega 2.56,000 2.55,000 00,046 56 OCBC NISP 3.74,000 36.949,000 0,006 57 PAN Indonesia 888.007,000 86.257,000 08,790 58 Permata.2.803,000.028.434,000 7,830 59 UOB Indonesia 220.89,000 24.75,000 03,02 60 Yudha Bakti 5.822,000 3.985,000 3,36 6 Bukopin 45.454,000 53.777,000 87,870 62 International Indonesia 979.267,000 895.575,000 09,345 63 Mega 270.457,000 270.443,000 00,005 64 OCBC NISP 493.879,000 493.48,000 00,48 65 PAN Indonesia.43.392,000.5.452,000 22,749 2005 2006 2007 2008

75 66 Permata.464.68,000.023.509,000 43,098 67 UOB Indonesia 260.29,000 230.793,000 2,78 68 Yudha Bakti 3.397,000 3.395,000 00,05 69 Bukopin 43.938,000 32.709,000 34,330 70 International Indonesia.54.743,000.009.530,000 4,384 7 Mega 27.723,000 27.723,000 00,000 72 OCBC NISP 670.567,000 669.544,000 00,53 73 PAN Indonesia.38.48,000 783.832,000 76,239 74 Permata.738.88,000.269.396,000 36,980 75 UOB Indonesia 272.449,000 266.45,000 02,369 76 Yudha Bakti 3.598,000 3.598,000 00,000 2009 3. NPM No. T a h u n Nama Bank Laba Bersih Pendapatan Operasi NPM (%) Arta Niaga Kencana 6.746,000 9.466,000 5,647 2 Artha Graha 29.29,000.038.966,000 2,804 3 Asiatic 2.204,000 25.384,000 0,877 4 Danpac 986,000 72.849,000 0,570 5 Global International 8.933,000 300.022,000 2,977 6 Harmoni 2.686,000 9.7,000 27,659 7 IFI 0.708,000 76.888,000 6,054 8 Bukopin 25.655,000 2.009.998,000 2,520 9 International Indonesia 30.723,000 3.940.937,000 0,780 0 Mega 266.03,000.656.086,000 6,063 OCBC NISP 69.6,000.667.843,000 0,69 2 PAN Indonesia 434.989,000 2.66.077,000 6,628 3 Permata 558.452,000 3.459.537,000 6,42 4 UOB Indonesia 22.853,000.665.998,000 3,37 5 Yudha Bakti 3.289,000 246.4,000,336 6 Arta Niaga Kencana 0.639,000 99.608,000 0,68 7 Artha Graha 4.00.20,000 859.824,000 0,02 8 Harmoni 3.637,000 7.763,000 20,475 9 IFI 3.8,000 38.237,000 9,535 2003 2004

76 20 Bukopin 308.529,000.867.699,000 6,59 2 International Indonesia 809.76,000 3.978.982,000 20,336 22 Mega 45.542,000.744.453,000 25,884 23 OCBC NISP 288.098,000.627.637,000 7,700 24 PAN Indonesia 780.382,000 2.608.3,000 29,99 25 Permata 622.76,000 3.235.649,000 9,245 26 UOB Indonesia 420.65,000.589.565,000 26,46 27 Yudha Bakti 55.285,000 23.07,000 25,947 28 Arta Niaga Kencana.765,000 25.022,000 9,40 29 Lippo 367.808,000 2.556.58,000 4,387 30 Bukopin 37.78,000 2.78.654,000,73 3 International Indonesia 730.08,000 4.670.579,000 5,63 32 Mega 84.55,000 2.364.55,000 7,788 33 OCBC NISP 20.495,000 2.67.535,000 9,296 34 PAN Indonesia 50.595,000 3.29.780,000 6,027 35 Permata 79.894,000 3.756.855,000 4,788 36 UOB Indonesia 30.726,000.802.870,000 7,235 37 Yudha Bakti 36.445,000 93.506,000 8,834 38 Arta Niaga Kencana.228,000 6.258,000 7,553 39 Harmoni 2.47,000 26.045,000 8,243 40 Lippo 386.749,000 3.647.830,000 0,602 4 Windhu Ketjana 24.808,000 75.833,000 32,74 42 Bukopin 4.62,000 3.233.746,000 0,43 43 International Indonesia 66.365,000 6.09.85,000,089 44 Mega 6.367,000 3.53.955,000 0,59 45 OCBC NISP 235.88,000 2.750.899,000 8,572 46 PAN Indonesia 650.933,000 4.299.890,000 5,38 47 Permata 34.484,000 5.098.893,000 6,68 48 UOB Indonesia 407.522,000 2.39.709,000 7,568 49 Yudha Bakti.59,000 244.03,000 0,623 50 Harmoni -.325,000 9.309,000-6,862 5 IFI -5.889,000 49.709,000 -,847 52 Lippo 643.043,000 4.09.009,000 5,78 53 Bukopin 545.348,000 3.460.749,000 5,758 54 International Indonesia 403.059,000 5.326.497,000 7,567 55 Mega 528.039,000 3.588.976,000 4,73 56 OCBC NISP 250.084,000 2.958.899,000 8,452 57 PAN Indonesia 852.255,000 4.664.78,000 8,270 58 Permata 499.025,000 5.089.252,000 9,805 2005 2006 2007

77 59 UOB Indonesia 424.669,000 2.00.58,000 2,27 60 Yudha Bakti 24.898,000 253.379,000 9,826 6 Bukopin 567.866,000 3.67.720,000 5,697 62 International Indonesia 495.255,000 5.983.399,000 8,277 63 Mega 528.509,000 4.008.407,000 3,85 64 OCBC NISP 36.922,000 3.256.600,000 9,732 65 PAN Indonesia 77.87,000 6.36.07,000 2,568 66 Permata 452.409,000 5.47.684,000 8,268 67 UOB Indonesia 302.8,000 2.285.085,000 3,224 68 Yudha Bakti.835,000 250.375,000 0,733 69 Bukopin 52.64,000 3.968.49,000 3,33 70 International Indonesia -40.969,000 6.465.76,000-0,634 7 Mega 548.476,000 4.439.292,000 2,355 72 OCBC NISP 435.865,000 3.864.492,000,279 73 PAN Indonesia 95.494,000 7.808.580,000,724 74 Permata 530.35,000 6.807.755,000 7,790 75 UOB Indonesia 448.778,000 2.853.03,000 5,730 76 Yudha Bakti 20.358,000 289.465,000 7,033 2008 2009 4. ROA No. T a h u n Nama Bank Laba sblm Pajak Total Asset ROA (%) Arta Niaga Kencana 9.62,000.053.98,000 0,92 2 Artha Graha 39.63,000 8.286.543,000 0,473 3 Asiatic 3.46,000 2.29.225,000,373 4 Danpac 5.55,000.58.35,000,339 5 Global International 0.526,000 2.284.292,000 0,46 6 Harmoni 2.686,000 30.467,000 2,059 7 IFI 0.708,000.24.53,000 0,952 8 Bukopin 25.655,000 7.42.63,000,445 9 International Indonesia 288.424,000 34.69.48,000 0,833 0 Mega 380.206,000 3.859.900,000 2,743 2003

78 OCBC NISP 223.922,000 5.49.349,000,452 2 PAN Indonesia 50.027,000 9.007.096,000 0,263 3 Permata 558.452,000 28.997.370,000,926 4 UOB Indonesia 39.283,000 4.335.24,000 2,227 5 Yudha Bakti 3.289,000.668.723,000 0,97 6 Arta Niaga Kencana 5.74,000.03.95,000,375 7 Artha Graha 47.574,000 865.45.25,000 0,005 8 Harmoni 3.637,000 7.229,000 2,0 9 IFI 3.8,000 862.543,000,528 20 Bukopin 308.529,000 8.483.240,000,669 2 International Indonesia 809.76,000 35.787.469,000 2,26 22 Mega 45.542,000 8.805.97,000 2,40 23 OCBC NISP 376.446,000 7.792.25,000 2,6 24 PAN Indonesia 92.557,000 22.82.23,000 0,406 25 Permata 69.035.699,000 3.59.790.86,000 2,85 26 UOB Indonesia 420.65,000 6.463.33,000 2,555 27 Yudha Bakti 55.285,000.332.046,000 4,50 28 Arta Niaga Kencana 6.782,000.204.335,000,393 29 Lippo 539.408,000 29.04.507,000,853 30 Bukopin 37.78,000 24.787.325,000 0,52 3 International Indonesia 730.08,000 47.30.924,000,543 32 Mega 266.343,000 25.09.845,000,06 33 OCBC NISP 28.899,000 9.998.905,000 0,45 34 PAN Indonesia 65.92,000 35.97.98,000 0,84 35 Permata 38.997,000 34.408.994,000 0,3 36 UOB Indonesia 456.35,000 5.970.63,000 2,857 37 Yudha Bakti 36.445,000.52.56,000 2,395 38 Arta Niaga Kencana 7.58,000.30.745,000,336 39 Harmoni 2.763,000 6.603,000,70 40 Lippo 57.07,000 33.295.438,000,75 4 Windhu Ketjana 24.808,000 65.847,000 4,028 42 Bukopin 4.62,000 3.693.545,000 0,05 43 International Indonesia 670.688,000 48.33.060,000,388 44 Mega 235.787,000 30.980.586,000 0,76 45 OCBC NISP 332.76,000 24.208.34,000,372 46 PAN Indonesia 920.099,000 39.090.99,000 2,354 47 Permata 466.96,000 37.84.4,000,235 48 UOB Indonesia 586.372,000 6.834.79,000 3,483 49 Yudha Bakti.59,000.882.765,000 0,08 2004 2005 2006

79 50 Harmoni -803,000 25.972,000-0,637 5 IFI -5.889,000 609.066,000-0,967 52 Lippo 97.874,000 38.44.50,000 2,388 53 Bukopin 545.348,000 34.566.825,000,578 54 International Indonesia 598.983,000 50.820.954,000,79 55 Mega 748.77,000 34.899.43,000 2,45 56 OCBC NISP 35.893,000 28.969.069,000,25 57 PAN Indonesia.277.4,000 5.56.07,000 2,497 58 Permata 72.673,000.03.049,000,428 59 UOB Indonesia 606.643,000 8.270.425,000 3,320 60 Yudha Bakti 24.898,000.928.884,000,29 6 Bukopin 567.866,000 32.797.660,000,73 62 International Indonesia 667.954,000 53.893.523,000,239 63 Mega 693.049,000 34.873.650,000,987 64 OCBC NISP 454.228,000 34.245.838,000,326 65 PAN Indonesia.058.732,000 63.23.5,000,674 66 Permata 768.956,000 53.992.357,000,424 67 UOB Indonesia 43.68,000 2.204.929,000 2,036 68 Yudha Bakti.835,000.998.37,000 0,092 69 Bukopin 52.64,000 36.75.58,000,44 70 International Indonesia 50.077,000 58.70.483,000 0,085 7 Mega 683.076,000 39.663.02,000,722 72 OCBC NISP 62.55,000 37.052.596,000,652 73 PAN Indonesia.229.88,000 76.084.862,000,66 74 Permata 830.59,000 55.925.63,000,485 75 UOB Indonesia 622.778,000 2.950.464,000 2,837 76 Yudha Bakti 20.358,000 2.227.752,000 0,94 2007 2008 2009 5. BOPO No. T a h u n Nama Bank Biaya Operasional Pendapatan Operasional BOPO (%) Arta Niaga Kencana 0.749,000 9.466,000 92,703 2 Artha Graha.000.508,000.038.966,000 96,298 3 Asiatic 22.03,000 25.384,000 8,764 4 Danpac 56.57,000 72.849,000 90,55 5 Global International 293.562,000 300.022,000 97,847 2003

80 6 Harmoni 3.48,000 4.292,000 7,624 7 IFI 65.30,000 76.888,000 93,450 8 Bukopin.768.759,000 2.009.998,000 87,998 9 International Indonesia 3.736.92,000 3.940.937,000 94,823 0 Mega.266.689,000.656.086,000 76,487 OCBC NISP.444.735,000.667.843,000 86,623 2 PAN Indonesia 2.32.588,000 2.66.077,000 8,59 3 Permata 3.007.085,000 3.459.537,000 86,922 4 UOB Indonesia.338.578,000.665.998,000 80,347 5 Yudha Bakti 23.388,000 246.4,000 86,693 6 Arta Niaga Kencana 87.462,000 99.608,000 87,806 7 Artha Graha 858.03,000 859.824,000 99,79 8 Harmoni.577,000 7.763,000 8,878 9 IFI 3.026,000 38.237,000 9,423 20 Bukopin.633.240,000.867.699,000 87,447 2 International Indonesia 3.68.064,000 3.978.982,000 79,620 22 Mega.297.590,000.744.453,000 74,384 23 OCBC NISP.255.28,000.627.637,000 77,4 24 PAN Indonesia.657.786,000 2.608.3,000 63,558 25 Permata 2.687.236,000 3.235.649,000 83,05 26 UOB Indonesia.9.343,000.589.565,000 74,948 27 Yudha Bakti 59.566,000 23.07,000 74,889 28 Arta Niaga Kencana 09.795,000 25.022,000 87,82 29 Lippo 2.049.68,000 2.556.58,000 80,72 30 Bukopin.824.938,000 2.78.654,000 83,764 3 International Indonesia 3.932.076,000 4.670.579,000 84,88 32 Mega 2.05.865,000 2.364.55,000 89,06 33 OCBC NISP.876.654,000 2.67.535,000 86,580 34 PAN Indonesia 2.450.384,000 3.29.780,000 78,293 35 Permata 3.357.874,000 3.756.855,000 89,380 36 UOB Indonesia.370.549,000.802.870,000 76,020 37 Yudha Bakti 58.505,000 93.506,000 8,92 38 Arta Niaga Kencana 48.387,000 64.645,000 90,25 39 Harmoni 2.272,000 26.045,000 8,723 40 Lippo 2.755.824,000 3.647.830,000 75,547 4 Windhu Ketjana 73.876,000 75.833,000 97,49 42 Bukopin 2.82.,000 3.233.746,000 86,96 43 International Indonesia 5.490.787,000 6.09.85,000 90,33 44 Mega 2.92.453,000 3.53.955,000 92,343 2004 2005 2006

8 45 OCBC NISP 2.420.606,000 2.750.899,000 87,993 46 PAN Indonesia 3.394.23,000 4.299.890,000 78,935 47 Permata 4.588.947,000 5.098.893,000 89,999 48 UOB Indonesia.737.86,000 2.39.709,000 74,97 49 Yudha Bakti 229.769,000 244.03,000 94,63 50 Harmoni 2.942,000 43.607,000 6,747 5 IFI.640,000 5.758,000 0,407 52 Lippo 3.09.225,000 4.09.009,000 76,00 53 Bukopin 2.954.674,000 3.460.749,000 85,377 54 International Indonesia 4.86.763,000 5.326.497,000 9,275 55 Mega 2.840.64,000 3.588.976,000 79,36 56 OCBC NISP 2.609.552,000 2.958.899,000 88,93 57 PAN Indonesia 3.447.747,000 4.664.78,000 73,9 58 Permata 4.37.33,000 5.089.252,000 84,832 59 UOB Indonesia.397.866,000 2.00.58,000 69,838 60 Yudha Bakti 230.663,000 253.379,000 9,035 6 Bukopin 3.09.578,000 3.67.720,000 85,457 62 International Indonesia 5.782.04,000 5.983.399,000 96,636 63 Mega 3.36.739,000 4.008.407,000 82,745 64 OCBC NISP 2.804.508,000 3.256.600,000 86,8 65 PAN Indonesia 5.65.558,000 6.36.07,000 84,83 66 Permata 4.866.99,000 5.47.684,000 88,934 67 UOB Indonesia.857.406,000 2.285.085,000 8,284 68 Yudha Bakti 232.05,000 250.375,000 92,703 69 Bukopin 3.502.868,000 3.968.49,000 88,269 70 International Indonesia 6.654.724,000 64.657.60,000 0,292 7 Mega 3.680.03,000 4.439.292,000 82,897 72 OCBC NISP 3.255.498,000 3.864.492,000 84,24 73 PAN Indonesia 6.594.487,000 7.808.580,000 84,452 74 Permata 6.000.540,000 6.807.755,000 88,43 75 UOB Indonesia 2.245.82,000 2.853.03,000 78,695 76 Yudha Bakti 270.205,000 289.465,000 93,346 2007 2008 2009

82 6. LDR No T a h u n Nama Bank Total Kredit Total DPK LDR (%) Arta Niaga Kencana 580.68,000 933.54,000 62,204 2 Artha Graha 0.998.683,000 28.052.876,000 39,207 3 Asiatic.032.05,000 2.057.9,000 50,53 4 Danpac 368.56,000 973.728,000 37,85 5 Global International 450.24,000.20.27,000 37,480 6 Harmoni 79.337,000 08.039,000 73,434 7 IFI 39.578,000 95.853,000 34,894 8 Bukopin 3.24.290,000 4.658.826,000 90,46 9 International Indonesia 0.0.088,000 29.43.05,000 34,036 0 Mega 6.375.24,000 2.640.963,000 50,433 OCBC NISP 9.523.026,000 2.554.338,000 75,854 2 PAN Indonesia 8.293.79,000.889.687,000 69,756 3 Permata 9.685.79,000 23.964.20,000 40,48 4 UOB Indonesia 5.336.336,000 2.407.56,000 43,00 5 Yudha Bakti 894.496,000.503.883,000 59,479 6 Arta Niaga Kencana 68.057,000 960.74,000 70,89 7 Artha Graha 5.645.757,000 7.00.395,000 80,534 8 Harmoni.66,000 46.79,000 7,944 9 IFI 293.837,000 438.556,000 67,00 20 Bukopin 2.974.58,000 5.249.32,000 85,08 2 International Indonesia 2.864.964,000 29.72.63,000 43,285 22 Mega 7.557.049,000 6.220.694,000 46,589 23 OCBC NISP 0.056.03,000 3.5.853,000 76,46 24 PAN Indonesia.043.93,000 5.75.466,000 70,274 25 Permata 4.856.26,000 26.0.703,000 57,3 26 UOB Indonesia 7.857.077,000 3.837.5,000 56,782 27 Yudha Bakti 707.963,000.4.8,000 62,038 28 Arta Niaga Kencana 779.808,000.056.377,000 73,89 29 Lippo 8.24.864,000 25.594.840,000 3,744 30 Bukopin 3.806.488,000 20.822.092,000 66,307 3 International Indonesia 20.37.56,000 38.524.590,000 52,739 32 Mega.263.26,000 23.397.953,000 48,37 33 OCBC NISP 2.436.827,000 6.4.935,000 77,76 2003 2004 2005

83 34 PAN Indonesia 5.098.848,000 28.824.30,000 52,382 35 Permata 22.28.93,000 28.97.599,000 76,690 36 UOB Indonesia 0.308.688,000 3.259.63,000 77,745 37 Yudha Bakti 76.535,000.329.994,000 57,259 38 Arta Niaga Kencana 737.877,000.48.95,000 64,224 39 Harmoni 97.685,000 30.254,000 74,996 40 Lippo.977.349,000 9.08.290,000 62,770 4 Windhu Ketjana 345.636,000 537.676,000 64,283 42 Bukopin 4.66.6,000 25.82.874,000 56,778 43 International Indonesia 2.90.26,000 38.857.820,000 54,533 44 Mega 5.656.648,000 6.774.099,000 83,504 45 OCBC NISP 5.63.320,000 9.627.27,000 79,64 46 PAN Indonesia 9.6.027,000 27.833.578,000 68,680 47 Permata 23.825.26,000 30.873.088,000 77,7 48 UOB Indonesia 0.349.82,000 2.928.250,000 80,056 49 Yudha Bakti 826.957,000.687.3,000 49,06 50 Harmoni 77.76,000 96.773,000 79,750 5 IFI 2.638,000 295.537,000 7,322 52 Lippo 8.42.96,000 30.998.82,000 58,525 53 Bukopin 9.24.573,000 30.66.024,000 63,398 54 International Indonesia 28.88.655,000 39.293.909,000 7,738 55 Mega 4.034.360,000 30.605.953,000 45,855 56 OCBC NISP 9..286,000 22.47.770,000 85,25 57 PAN Indonesia 28.976.857,000 33.647.078,000 86,20 58 Permata 26.483.898,000 3.097.043,000 85,65 59 UOB Indonesia 2.656.953,000 4.034.48,000 90,87 60 Yudha Bakti 890.6,000.723.798,000 5,666 6 Bukopin 22.847.29,000 28.769.02,000 79,46 62 International Indonesia 34.757.252,000 44.37.243,000 78,428 63 Mega 9.52.495,000 29.675.05,000 65,754 64 OCBC NISP 20.80.439,000 27.239.749,000 76,364 65 PAN Indonesia 36.530.737,000 47.68.342,000 76,76 66 Permata 34.880.264,000 43.082.783,000 80,96 67 UOB Indonesia 4.887.945,000 6.655.936,000 89,385 68 Yudha Bakti.20.863,000.80.624,000 66,70 69 Bukopin 23.289.592,000 3.999.746,000 72,78 70 International Indonesia 37.4.8,000 48.686.923,000 76,230 7 Mega 8.722.968,000 34.283.88,000 54,63 72 OCBC NISP 2.874.658,000 30.638.45,000 7,396 2006 2007 2008 2009

84 73 PAN Indonesia 4.280.034,000 58.676.602,000 70,352 74 Permata 4.243.48,000 46.05.528,000 89,455 75 UOB Indonesia 5.803.49,000 8.230.372,000 86,687 76 Yudha Bakti.55.84,000.97.988,000 58,62 7. Status Bank NO Tahun Nama Bank Status Bank Arta Niaga Kencana 0 2 Artha Graha 0 3 Asiatic 0 4 Danpac 0 5 Global International 0 6 Harmoni 0 7 IFI 0 8 Bukopin 9 International Indonesia 0 Mega OCBC NISP 2 PAN Indonesia 3 Permata 4 UOB Indonesia 5 Yudha Bakti 6 Arta Niaga Kencana 0 7 Artha Graha 0 8 Harmoni 0 9 IFI 0 20 Bukopin 2 International Indonesia 22 Mega 23 OCBC NISP 24 PAN Indonesia 25 Permata 26 UOB Indonesia 27 Yudha Bakti 2003 2004

85 28 Arta Niaga Kencana 0 29 Lippo 0 30 Bukopin 3 International Indonesia 32 Mega 33 OCBC NISP 34 PAN Indonesia 35 Permata 36 UOB Indonesia 37 Yudha Bakti 38 Arta Niaga Kencana 0 39 Harmoni 0 40 Lippo 0 4 Windhu Ketjana 0 42 Bukopin 43 International Indonesia 44 Mega 45 OCBC NISP 46 PAN Indonesia 47 Permata 48 UOB Indonesia 49 Yudha Bakti 50 Harmoni 0 5 IFI 0 52 Lippo 0 53 Bukopin 54 International Indonesia 55 Mega 56 OCBC NISP 57 PAN Indonesia 58 Permata 59 UOB Indonesia 60 Yudha Bakti 6 Bukopin 62 International Indonesia 63 Mega 64 OCBC NISP 65 PAN Indonesia 66 Permata 2005 2006 2007 2008

86 67 UOB Indonesia 68 Yudha Bakti 69 Bukopin 70 International Indonesia 7 Mega 72 OCBC NISP 73 PAN Indonesia 74 Permata 75 UOB Indonesia 76 Yudha Bakti 2009

HASIL UJI DESKRIPTIF Descriptives Descriptive Statistics CAR PPAP NPM ROA BOPO LDR Valid N (listwise) N Minimum Maximum Mean Std. Deviation 76-9,9 42,5 8,3345 7,5922 76,93 256,6 08,9365 47,5060 76 -,85 32,7,0560 8,3585 76 -,97 2,,743 2,45932 76 6,75 99,79 77,094 24,53807 76 7,32 90,9 64,0899 7,97708 76 87

88 HASIL UJI MULTIKOLINIERITAS Regression Model Variables Entered/Removed b Variables Variables Entered Removed Method LDR, CAR, PPAP,. Enter BOPO, NPM, ROA a a. All requested variables entered. b. Dependent Variable: Kebangkrutan_Bank Model Model Summary Adjusted Std. Error of R R Square R Square the Estimate,54 a,264,200,3965 a. Predictors: (Constant), LDR, CAR, PPAP, BOPO, NPM, ROA Model Regression Residual Total ANOVA b Sum of Squares df Mean Square F Sig. 3,889 6,648 4,22,00 a 0,848 69,57 4,737 75 a. Predictors: (Constant), LDR, CAR, PPAP, BOPO, NPM, ROA b. Dependent Variable: Kebangkrutan_Bank Model (Constant) CAR PPAP NPM ROA BOPO LDR Unstandardized Coefficients a. Dependent Variable: Kebangkrutan_Bank Coefficients a Standardized Coefficients Collinearity Statistics t Sig. Tolerance VIF B Std. Error Beta -,20,279 -,75,455 -,004,006 -,076 -,686,495,876,42,000,00,040,384,702,974,027,00,007,97,563,23,675,482 -,008,023 -,047 -,366,75,653,53,006,002,345 3,27,003,878,39,006,003,257 2,277,026,838,94

89 Logistic Regression HASIL UJI REGRESI LOGISTIK Unweighted Cases a Selected Cases Unselected Cases Total Case Processing Summary Included in Analysis Missing Cases Total N Percent 76 00,0 0,0 76 00,0 0,0 76 00,0 a. If weight is in effect, see classification table for the total number of cases. Dependent Variable Encoding Original Value Bangkrut Tidak bangkrut Internal Value 0 Block 0: Beginning Block Classification Table a,b Predicted Observed Step 0 Kebangkrutan_Bank Bangkrut Tidak bangkrut Overall Percentage a. Constant is included in the model. b. The cut value is,500 Kebangkrutan_Bank Tidak Percentage Bangkrut bangkrut Correct 0 20,0 0 56 00,0 73,7 Step 0 Constant Variables in the Equation B S.E. Wald df Sig. Exp(B),030,260 5,623,000 2,800

90 Variables not in the Equation Step 0 Variables Overall Statistics CAR PPAP NPM ROA BOPO LDR Block : Method = Enter Score df Sig.,79,672,060,807 3,63,075,64,28,388,00 8,748,003 20,055 6,003 Omnibus Tests of Model Coefficients Step Step Block Model Chi-square df Sig. 2,547 6,00 2,547 6,00 2,547 6,00 Model Summary Step -2 Log Cox & Snell Nagelkerke likelihood R Square R Square 66,056 a,247,36 a. Estimation terminated at iteration number 6 because parameter estimates changed by less than,00. Hosmer and Lemeshow Test Step Chi-square df Sig. 8,606 8,377 Step 2 3 4 5 6 7 8 9 0 Contingency Table for Hosmer and Lemeshow Test Kebangkrutan_Bank = Bangkrut Kebangkrutan_Bank = Tidak bangkrut Observed Expected Observed Expected Total 7 6,667,333 8 5 3,927 3 4,073 8 2 2,565 6 5,435 8,828 7 6,72 8 0,44 8 6,586 8 2,76 6 6,824 8,944 7 7,056 8 0,749 8 7,25 8,540 7 7,460 8,90 3 3,80 4

9 Classification Table a Predicted Observed Step Kebangkrutan_Bank Overall Percentage a. The cut value is,500 Bangkrut Tidak bangkrut Kebangkrutan_Bank Tidak Percentage Bangkrut bangkrut Correct 9 45,0 3 53 94,6 8,6 Step a CAR PPAP NPM ROA BOPO LDR Constant Variables in the Equation B S.E. Wald df Sig. Exp(B) -,037,045,675,4,964,005,007,466,495,005,096,06 2,463,7,0 -,454,57,77,380,635,039,04 7,73,005,040,050,022 5,393,020,052-5,37 2,395 4,928,026,005 a. Variable(s) entered on step : CAR, PPAP, NPM, ROA, BOPO, LDR.