LAMPIRAN DAFTAR SAMPEL PENELITIAN Kode Kriteria No. Nama Perusahaan Sampel Emiten 1 2 3 1. AGRO PT. Bank Agroniaga, Tbk 1 2. BABP PT. Bank ICB Bumiputera Indonesia, Tbk X - 3. BBCA PT. Bank Central Asia, Tbk 2 4. BBKP PT. Bank Bukopin, Tbk 3 5. BBNP PT. Bank Nusantara Parahyangan, Tbk 4 6. BCIC PT. Bank Mutiara, Tbk X - 7. BDMN PT. Bank Danamon, Tbk X - 8. BKSW PT. Bank Kesawan, Tbk 5 9. BNBA PT. Bank Bumi Arta, Tbk 6 10. BNGA PT. Bank CIMB Niaga, Tbk X - 11. BNII PT. Bank Internasional Indonesia, Tbk 7 12. BNLI PT. Bank Permata, Tbk X - 13. BSWD PT. Bank Swadesi, Tbk 8 14. INPC PT. Bank Artha Graha Internasional, Tbk X - 15. MAYA PT. Bank Mayapada Internasional, Tbk 9 16. MEGA PT. Bank Mega, Tbk 10 17. NISP PT. Bank OCBC NISP, Tbk 11 18. PNBN PT. Pan Indonesia, Tbk 12 19. SDRA PT. Bank Himpunan Saudara, Tbk X -
RINGKASAN PERHITUNGAN ROA Emiten Laba Bersih Total Aktiva Return on Assets (ROA) 2010 Rp Juta Rp Juta % AGRO 14.027 3.054.093 0.46 BBCA 8.479.273 324.419.069 2.61 BBKP 492.599 47.489.366 1.04 BBNP 47.475 5.282.255 0.90 BKSW 1.212 2.589.915 0.05 BNBA 26.979 2.661.052 1.01 BNII 460.989 75.130.433 0.61 BSWD 35.092 1.570.332 2.23 MAYA 76.954 10.102.288 0.76 MEGA 951.800 51.596.960 1.84 NISP 320.986 44.474.822 0.72 PNBN 1.257.925 108.947.955 1.15 2009 AGRO 2.199 2.981.696 0.07 BBCA 6.807.242 282.392.324 2.41 BBKP 362.191 37.173.318 0.97 BBNP 29.399 3.896.399 0.75 BKSW 3.988 2.347.791 0.17 BNBA 28.214 2.403.186 1.17 BNII 40.969 60.965.774 0.06 BSWD 36.950 1.537.378 2.40 MAYA 41.099 7.629.928 0.54 MEGA 537.460 39.684.622 1.35 NISP 435.865 37.052.596 1.18 PNBN 915.298 77.857.418 1.75 2008 AGRO 684 2.582.432 0.02 BBCA 5.776.139 245.569.856 2.35 BBKP 368.780 32.633.063 1.13 BBNP 28.364 3.094.814 0.92 BKSW 3.113 2.162.316 0.14 BNBA 27.621 2.044.367 1.35 BNII 480.468 56.855.129 0.84 BSWD 19.221 1.359.880 1.41 MAYA 40.965 5.512.694 0.74
MEGA 501.681 34.860.872 1.44 NISP 316.922 34.245.838 0.92 PNBN 701.361 64.391.915 1.09 2007 AGRO -6.309 2.972.757-0.21 BBCA 4.489.252 218.005.008 2.06 BBKP 375.126 34.446.177 1.09 BBNP 31.849 3.772.838 0.84 BKSW 6.258 2.184.493 0.29 BNBA 20.802 1.950.256 1.07 BNII 352.828 55.015.693 0.64 BSWD 8.486 1.167.744 0.73 MAYA 40.744 4.474.878 0.91 MEGA 520.719 34.907.728 1.49 NISP 250.084 28.969.069 0.86 PNBN 852.252 53.470.645 1.59 RINGKASAN PERHITUNGAN CAR Emiten Total Modal ATMR Capital Adequacy Ratio (CAR) 2010 Rp Juta Rp Juta % AGRO 278.016 1.927.990 14.42 BBCA 27.722.168 205.349.477 13.50 BBKP 2.668.385 22.129.345 12.06 BBNP 535.060 4.135.630 12.94 BKSW 169.493 1.589.992 10.66 BNBA 388.719 1.554.185 25.01 BNII 7.140.575 56.450.403 12.65 BSWD 306.375 1.140.421 26.86 MAYA 1.522.136 6.730.825 22.61 MEGA 4.405.094 29.301.148 15.03 NISP 5.597.245 33.551.643 16.68 PNBN 10.793.317 65.078.846 16.58 2009 AGRO 370.918 1.889.852 19.63 BBCA 22.832.586 148.967.979 15.33 BBKP 2.364.266 16.461.334 14.36 BBNP 383.059 3.049.036 12.56
BKSW 171.863 1.378.212 12.47 BNBA 366.095 1.288.118 28.42 BNII 5.639.103 38.333.273 14.71 BSWD 291.833 886.938 32.90 MAYA 1.084.801 5.601.749 19.37 MEGA 3.847.302 21.357.836 18.01 NISP 4.439.087 24.656.892 18.00 PNBN 10.071.716 46.215.365 21.79 2008 AGRO 267.854 1.982.851 13.51 BBCA 20.876.066 132.276.897 15.78 BBKP 1.882.464 18.173.883 10.36 BBNP 356.214 2.537.227 14.04 BKSW 146.423 1.416.329 10.34 BNBA 385.234 1.236.540 31.15 BNII 7.111.329 36.580.084 19.44 BSWD 280.488 843.017 33.27 MAYA 1.061.991 4.482.985 23.69 MEGA 3.555.156 22.088.860 16.09 NISP 4.237.964 24.919.009 17.01 PNBN 8.627.942 42.490.133 20.31 2007 AGRO 283.925 1.643.719 17.27 BBCA 18.590.263 96.705.929 19.22 BBKP 1.941.786 15.128.126 12.84 BBNP 318.326 1.872.226 17.00 BKSW 145.871 1.411.512 10.33 BNBA 364.395 1.062.259 34.30 BNII 6.186.150 30.632.169 20.19 BSWD 123.789 599.144 20.66 MAYA 1.085.909 3.625.386 29.95 MEGA 2.342.364 19.781.408 11.84 NISP 3.605.272 22.325.362 16.15 PNBN 7.987.111 37.003.834 21.58
RINGKASAN PERHITUNGAN BOPO Emiten 2010 Total Biaya Operasional Rp Juta Total Pendapatan Operasional Rp Juta Biaya Operasional terhadap Pendapatan Operasional (BOPO) % AGRO 310.200 372.482 83.28 BBCA 17.295.667 28.020.102 61.73 BBKP 3.574.815 4.351.776 82.15 BBNP 391.003 454.366 86.05 BKSW 224.248.908 244.209.106 91.83 BNBA 207.031 248.796 83.21 BNII 7.728.203 8.495.301 90.97 BSWD 118.414 176.463 67.10 MAYA 966.089 1.072.377 90.09 MEGA 3.697.957 4.766.334 77.58 NISP 3.007.086 3.813.453 78.85 PNBN 6.472.952 9.545.713 67.81 2009 AGRO 328.339 359.592 91.31 BBCA 16.504.416 27.417.056 60.20 BBKP 3.591.270 4.125.348 87.05 BBNP 363.439 407.731 89.14 BKSW 216.983.916 230.838.733 94.00 BNBA 185.700 230.224 80.66 BNII 7.768.428 7.805.458 99.52 BSWD 115.472 167.724 68.85 MAYA 876.134 933.799 93.82 MEGA 3.793.324 4.417.740 85.87 NISP 3.018.471 3.864.492 78.11 PNBN 5.973.038 8.325.737 71.74 2008 AGRO 363.187 364.227 99.71 BBCA 13.770.693 23.179.233 59.41 BBKP 3.021.709 3.670.163 82.33 BBNP 296.738 336.962 88.06 BKSW 226.237.343 220.410.272 102.64 BNBA 175.894 219.993 79.95 BNII 6.815.904 7.211.215 94.52
BSWD 99.949 133.259 75.00 MAYA 580.192 640.189 90.63 MEGA 3.151.594 3.980.632 79.17 NISP 2.804.508 3.256.600 86.12 PNBN 5.020.809 6.597.742 76.10 2007 AGRO 352.225 348.859 100.96 BBCA 12.632.227 19.173.564 65.88 BBKP 2.907.940 3.477.706 83.62 BBNP 305.640 352.021 86.82 BKSW 233.295.244 245.257.589 95.12 BNBA 158.643 190.518 83.27 BNII 6.430.806 6.678.540 96.29 BSWD 98.433 108.552 90.68 MAYA 450.072 508.777 88.46 MEGA 2.742.542 3.588.965 76.42 NISP 2.609.552 2.958.899 88.19 PNBN 3.417.306 4.949.601 69.04 RINGKASAN PERHITUNGAN LDR Emiten Total Kredit Total Dana Pihak Ketiga Loan to Deposit Ratio (LDR) 2010 Rp Juta Rp Juta % AGRO 2.069.027 2.386.868 86.68 BBCA 153.923.157 277.530.635 55.46 BBKP 30.173.015 41.377.255 72.92 BBNP 3.657.670 4.544.401 80.49 BKSW 1.699.757 2.372.318 71.65 BNBA 1.170.144 2.159.542 54.18 BNII 50.181.865 59.901.960 83.77 BSWD 1.071.642 1.226.475 87.38 MAYA 6.110.988 7.796.431 78.38 MEGA 23.891.435 42.083.813 56.77 NISP 27.956.914 35.862.518 77.96 PNBN 57.246.019 75.279.720 76.04 2009 AGRO 1.993.630 2.454.297 81.23 BBCA 123.901.269 245.139.946 50.54
BBKP 24.603.676 31.915.503 77.09 BBNP 2.562.722 3.473.107 73.79 BKSW 1.433.046 2.139.959 66.97 BNBA 974.639 1.927.093 50.58 BNII 37.370.282 47.341.248 78.94 BSWD 981.357 1.210.111 81.10 MAYA 5.060.228 6.040.576 83.77 MEGA 18.639.422 32.803.732 56.82 NISP 21.886.527 30.216.044 72.43 PNBN 41.121.422 56.234.487 73.12 2008 AGRO 2.048.062 2.163.332 94.67 BBCA 112.784.336 209.528.921 53.83 BBKP 23.042.022 27.521.206 83.72 BBNP 2.178.610 3.294.753 66.12 BKSW 1.487.312 1.992.060 74.66 BNBA 949.031 1.585.452 59.86 BNII 35.245.255 43.525.226 80.98 BSWD 875.830 1.053.812 83.11 MAYA 3.980.788 3.971.875 102.22 MEGA 19.000.214 29.381.005 64.67 NISP 20.809.545 27.123.471 76.72 PNBN 36.526.583 46.043.679 79.33 2007 AGRO 1.956.450 2.537.445 77.10 BBCA 82.388.633 189.172.191 43.55 BBKP 19.147.918 29.291.878 65.37 BBNP 1.659.351 3.359.595 49.39 BKSW 1.309.789 1.913.192 68.46 BNBA 794.234 1.527.537 51.99 BNII 28.492.551 36.971.060 77.07 BSWD 621.434 999.724 62.16 MAYA 3.068.060 2.953.339 103.88 MEGA 14.037.263 30.030.996 46.74 NISP 19.113.922 21.439.660 89.15 PNBN 28.972.661 31.321.133 92.50
RINGKASAN PERHITUNGAN NPL Net TOTAL KREDIT TOTAL PPAP TOTAL Non Performing Loan EMITEN BERMASALAH KOL. 3 s.d. 5 (1) - (2) KREDIT Netto (NPL Net) 2010 Rp Juta (1) Rp Juta (2) Rp Juta Rp Juta % AGRO 180.855 142.872 37.983 2.069.027 1.84 BBCA 992.927 620.142 372.785 153.923.157 0.24 BBKP 980.265 220.662 759.603 30.173.015 2.52 BBNP 24.484 1.435 23.049 3.657.670 0.63 BKSW 35.343 2.897 32.446 1.699.757 1.91 BNBA 26.372 4.936 21.436 1.170.144 1.83 BNII 1.572.296 679.059 893.237 50.181.865 1.78 BSWD 38.091 601.016 28.117 1.071.642 2.62 MAYA 199.669 9.974 122.839 6.110.988 2.01 MEGA 213.833 76.830 176.797 23.891.435 0.74 NISP 559.763 37.036 230.098 27.956.914 0.82 PNBN 2.428.869 938.156 1.490.713 57.246.019 2.60 2009 AGRO 148.597 59.550 89.047 1.993.630 4.47 BBCA 903.058 745.721 157.337 123.901.269 0.13 BBKP 700.495 115.479 585.016 24.603.676 2.38 BBNP 46.790 384 46.406 2.562.722 1.81 BKSW 81.634 4.449 1.499.057 1.433.046 5.39 BNBA 20.943 4.325 77.185 974.639 1.71 BNII 885.492 301.485 584.007 37.370.282 1.56 BSWD 17.863 3.91 16.618 981.357 1.42 MAYA 48.725 24.124 13.953 5.060.228 0.49 MEGA 317.811 127.689 24.601 18.639.422 1.02 NISP 694.048 388.968 305.08 21.886.527 1.39 PNBN 1.298.531 638.625 659.906 41.121.422 1.60 2008 AGRO 125.856 52.307 73.549 2.048.062 3.59 BBCA 674.769 519.688 155.081 112.784.336 0.14 BBKP 1.116.760 167.007 949.753 23.042.022 4.12 BBNP 27.046 2.743 24.303 2.178.610 1.12 BKSW 60.624 4.967 55.567 1.487.312 3.74 BNBA 18.265 4.452 13.813 949.031 1.46 BNII 947.280 404.224 543.056 35.245.225 1.54 BSWD 18.894 4.558 14.336 875.830 1.64
MAYA 112.619 30.286 82.333 3.980.788 2.07 MEGA 224.978 74.128 150.850 19.000.214 0.79 NISP 566.624 203.302 363.322 20.809.545 1.75 PNBN 1.585.150 800.931 784.219 36.526.583 2.15 2007 AGRO 127.894 44.211 83.683 1.956.450 4.28 BBCA 669.697 553.519 116.178 82.388.633 0.14 BBKP 683.551 206.995 476.556 19.147.918 2.49 BBNP 31.330 6.772 24.558 1.659.351 1.48 BKSW 89.183 6.287 82.896 1.309.789 6.33 BNBA 18.008 3.883 14.125 794.234 1.78 BNII 891.739 225.311 666.428 28.492.551 2.34 BSWD 11.104 2.650 8.454 621.434 1.36 MAYA 14.597 4.267 10.330 3.068.060 0.34 MEGA 214.459 66.481 147.978 14.037.263 1.05 NISP 483.040 77.778 405.262 19.113.922 2.12 PNBN 886.383 375.100 511.283 28.972.661 1.76
dim ensi on0 1 dim ensi on0 HASIL PENGOLAHAN DATA DENGAN SOFTWARE SPSS FOR WINDOWS Analisis Deskriptif Descriptive Statistics N Minimum Maximum Mean Std. Deviation ROA 48 -.21 2.61 1.0398.68018 CAR 48 10.33 34.30 18.3931 6.42918 BOPO 48 59.41 102.64 83.3190 10.90585 LDR 48 43.55 103.88 72.4023 14.47239 NPL Net 48.13 6.33 1.9269 1.33028 Valid N (listwise) 48 Analisis Regresi Linear Berganda Variables Entered/Removed b Model Variables Variables Entered Removed Method 1 NPL Net, CAR,.Enter LDR, BOPO a a. All requested variables entered. b. Dependent Variable: ROA Model Summary Model R R Square Adjusted R Square Std. Error of the Estimate.928 a.861.848.26526 a. Predictors: (Constant), NPL Net, CAR, LDR, BOPO ANOVA b Model Sum of Squares df Mean Square F Sig. 1 Regression 18.719 4 4.680 66.508.000 a Residual 3.026 43.070 Total 21.744 47 a. Predictors: (Constant), NPL Net, CAR, LDR, BOPO b. Dependent Variable: ROA
Model Coefficients a Unstandardized Coefficients Standardized Coefficients B Std. Error Beta t Sig. 1 (Constant) 5.429.368 14.735.000 CAR.008.006.077 1.274.210 BOPO -.050.004 -.801-11.582.000 LDR -.003.003 -.070-1.129.265 NPL Net -.071.034 -.139-2.074.044 a. Dependent Variable: ROA Uji Normalitas
Uji Kolmogorov-Smirnov (KS) One-Sample Kolmogorov-Smirnov Test Unstandardized Residual N 48 Normal Parameters a,b Mean.0000000 Std. Deviation.25372143 Most Extreme Differences Absolute.115 Positive.068 Negative -.115 Kolmogorov-Smirnov Z.797 Asymp. Sig. (2-tailed).549 a. Test distribution is Normal. b. Calculated from data.
Uji Heteroskedastisitas Uji Glejser Model Coefficients a Unstandardized Coefficients Standardized Coefficients B Std. Error Beta t Sig. 1 (Constant).423.227 1.863.069 CAR -.001.004 -.023 -.147.884 BOPO -.005.003 -.340-1.937.059 LDR.002.002.183 1.160.252 NPL Net.029.021.236 1.388.172 a. Dependent Variable: absut
dim ensi on0 din1 Uji Multikolinearitas Model Unstandardized Coefficients Coefficients a Standardized Coefficients Collinearity Statistics B Std. Error Beta t Sig. Tolerance VIF 1 (Constant) 5.429.368 14.735.000 CAR.008.006.077 1.274.210.891 1.123 BOPO -.050.004 -.801-11.582.000.676 1.479 LDR -.003.003 -.070-1.129.265.838 1.193 NPL Net -.071.034 -.139-2.074.044.721 1.387 a. Dependent Variable: ROA Coefficient Correlations a Model NPL Net CAR LDR BOPO 1 Correlations NPL Net 1.000.169 -.135 -.407 CAR.169 1.000 -.188.184 LDR -.135 -.188 1.000 -.286 BOPO -.407.184 -.286 1.000 Covariances NPL Net.001 3.682E-5-1.353E-5-6.011E-5 CAR 3.682E-5 4.066E-5-3.505E-6 5.050E-6 LDR -1.353E-5-3.505E-6 8.525E-6-3.597E-6 BOPO -6.011E-5 5.050E-6-3.597E-6 1.861E-5 a. Dependent Variable: ROA Collinearity Diagnostics a Model Dimension Variance Proportions Eigenvalue Condition Index (Constant) CAR BOPO LDR NPL Net 1 1 4.614 1.000.00.00.00.00.01 2.290 3.991.00.07.00.00.59 3.068 8.210.01.81.02.05.29 4.022 14.414.08.00.08.94.00 5.006 27.630.90.11.90.00.12 a. Dependent Variable: ROA
dime1 nsio n0 Uji Autokolerasi Uji Breusch-Godfrey (BG) Coefficients a Model Unstandardized Coefficients Standardized Coefficients B Std. Error Beta t Sig. 1 (Constant).012.375.031.975 CAR -.002.006 -.043 -.260.796 BOPO.000.004 -.021 -.109.914 LDR.001.003.063.365.717 NPL Net -.004.035 -.020 -.105.916 Auto -.005.160 -.005 -.031.976 a. Dependent Variable: Unstandardized Residual Uji Durbin-Watson (DW) Model Summary b Model R R Square Adjusted R Square Std. Error of the Estimate Durbin-Watson.928 a.861.848.26526 1.912 a. Predictors: (Constant), NPL Net, CAR, LDR, BOPO b. Dependent Variable: ROA
Residuals Statistics a Minimum Maximum Mean Std. Deviation N Predicted Value -.1273 2.4014 1.0398.63109 48 Std. Predicted Value -1.849 2.158.000 1.000 48 Standard Error of Predicted.044.143.082.023 48 Value Adjusted Predicted Value -.1606 2.4104 1.0380.63115 48 Residual -.59021.51207.00000.25372 48 Std. Residual -2.225 1.930.000.957 48 Stud. Residual -2.374 2.110.003 1.010 48 Deleted Residual -.67191.61173.00183.28364 48 Stud. Deleted Residual -2.517 2.202 -.001 1.038 48 Mahal. Distance.290 12.610 3.917 2.773 48 Cook's Distance.000.173.024.039 48 Centered Leverage Value.006.268.083.059 48 a. Dependent Variable: ROA