Data Hasil Olahan Populasi

LAMPIRAN 1 Data Hasil Olahan Populasi No. Kode Bank Nama Bank Kriteria 1 Kriteria 2 Sampel terpilih 1. AGRO Bank Rakyat Indonesia Agro Niaga Tbk 2. AGRS Bank Agris Tbk X X 3. BABP Bank MNC Internasional Tbk 4. BACA Bank Capital Indonesia Tbk 5. BBCA Bank Central Asia Tbk 6. BBHI Bank Harda Internasional Tbk X X 7. BBKP Bank Bukopin Tbk 8. BBMD Bank Mestika Dharma Tbk X X 9. BBNI Bank Negara Indonesia (Persero) Tbk 10. BBNP Bank Nusantara Parahyangan Tbk 11. BBRI Bank Rakyat Indonesia (Persero) Tbk 12. BBTN Bank Tabungan Negara (Persero) Tbk 13. BBYB Bank Yudha Bakti Tbk X X 14. BCIC Bank Mutiara Tbk 15. BDMN Bank Danamon Indonesia Tbk 16. BEKS Bank Pundi Indonesia Tbk 17. BINA Bank Ina Perdana Tbk X X 18. BJBR Bank Jabar Banten Tbk X X 19. BJTM Bank Pembangunan Daerah Jawa Timur Tbk X X 20. BKSW Bank Kesawan Tbk 74

21. BMAS Bank Maspion Indonesia Tbk X X 22. BMRI Bank Mandiri (Persero) Tbk 23. BNBA Bank Bumi Arta Tbk 24. BNGA Bank CIMB Niaga Tbk 25. BNII Bank Internasional Indonesia Tbk 26. BNLI Bank Permata Tbk 27. BSIM Bank Sinar Mas Tbk X X 28. BSWD Bank Swadesi Tbk 29. BTPN Bank Tabungan Pensiunan Nasional Tbk 30. BVIC Bank Victoria Internasional Tbk 31. DNAR Bank Dinar Indonesia Tbk X X 32. INPC Bank Artha Graha Internasional Tbk 33. MAYA Bank Mayapada Internasional Tbk 34. MCOR Bank Windu Kentjana International Tbk 35. MEGA Bank Mega Tbk 36. NAGA Bank Mitraniaga Tbk X X 37. NISP Bank NISP OCBC Tbk 38. NOBU Bank Nationalnobu Tbk X X 39. PNBN Bank Pan Indonesia Tbk 40. PNBS Bank Pan Indonesia Syariah Tbk X X 41. SDRA Bank Woori Saudara Indonesia 1906 Tbk Total bank yang terpilih menjadi sampel 28 bank 75

LAMPIRAN 2 Hasil Eviews Statistik Deskriptif CR NII NIM ROA ROE SIZE Mean 0.026897 0.514396 0.071559 1.698820 0.163343 17.36262 Median 0.020500 0.528864 0.053800 1.662146 0.148400 17.64214 Maximum 0.509600 1.271149 0.351000 4.559570 0.844400 20.47226 Minimum 0.002100 0.006000 0.011300-10.64995-0.089600 14.26124 Std. Dev. 0.045082 0.262206 0.042284 1.616965 0.111870 1.702647 Skewness 9.255455-0.079696 10.55485-3.409742 2.108226 0.049588 Kurtosis 98.93874 2.552827 118.0790 26.97975 12.45573 1.755029 Jarque-Bera 53701.29 1.267703 76999.53 3496.128 602.9398 8.773807 Probability 0.000000 0.530544 0.000000 0.000000 0.000000 0.012439 Sum 3.631100 69.44350 9.660500 229.3407 22.05130 2343.953 Sum Sq. Dev. 0.272340 9.212755 2.712806 350.3533 1.676986 388.4668 Observations 135 135 135 135 135 135 76

LAMPIRAN 3 Hasil Eviews Uji Hausman Test Dependent Variable: NIM Method: Panel Least Squares Date: 04/09/16 Time: 14:48 Sample: 2010 2014 Periods included: 5 Cross-sections included: 27 Total panel (balanced) observations: 135 Variable Coefficient Std. Error t-statistic Prob. C 1.050282 0.428362 2.451855 0.0155 SIZE -0.106355 0.045397-2.342750 0.0207 CR 1.011632 0.504687 2.004474 0.0471 ROA 0.034052 0.012244 2.781247 0.0062 RES -1.475284 0.727969-2.026575 0.0000 R-squared 0.168175 Mean dependent var 0.071559 Adjusted R-squared 0.135934 S.D. dependent var 0.142284 S.E. of regression 0.132261 Akaike info criterion -1.164659 Sum squared resid 2.256579 Schwarz criterion -1.035536 Log likelihood 84.61447 Hannan-Quinn criter. -1.112187 F-statistic 5.216148 Durbin-Watson stat 2.171728 Prob(F-statistic) 0.000215 77

LAMPIRAN 4 Hasil Eviews Two Stage Least Square (2SLS) Net Interest Margin Dependent Variable: NIM Method: Panel Two-Stage Least Squares Date: 04/09/16 Time: 15:25 Sample: 2010 2014 Periods included: 5 Cross-sections included: 27 Total panel (balanced) observations: 135 Instrument specification: C SIZE CR ROA ROE Constant added to instrument list Variable Coefficient Std. Error t-statistic Prob. C 1.050282 1.245357 0.843358 0.0000 SIZE 0.106355 0.131982-0.805830 0.0418 CR 1.011632 1.467253 0.689474 0.0327 ROA 0.034052 0.035595 0.956659 0.0000 NII 1.521819 2.111903 0.720591 0.4725 R-squared -6.085177 Mean dependent var 0.071559 Adjusted R-squared -6.303182 S.D. dependent var 0.142284 S.E. of regression 0.384515 Sum squared resid 19.22071 F-statistic 6.280661 Durbin-Watson stat 0.627667 Prob(F-statistic) 0.000000 Second-Stage SSR 2.273458 Instrument rank 5 78

LAMPIRAN 5 Hasil Eviews Two Stage Least Square (2SLS) Non Interest Income Dependent Variable: NII Method: Panel Two-Stage Least Squares Date: 04/09/16 Time: 16:03 Sample: 2010 2014 Periods included: 5 Cross-sections included: 27 Total panel (balanced) observations: 135 Instrument specification: C SIZE CR ROA ROE Constant added to instrument list Variable Coefficient Std. Error t-statistic Prob. C -0.632772 0.245379-2.578750 0.0110 SIZE 0.066119 0.014700 4.498005 0.0000 CR 0.580519 0.858271 0.676382 0.5000 ROE -0.161288 0.256567-0.628637 0.0007 NIM 0.138323 0.573482 0.241199 0.0098 R-squared 0.160130 Mean dependent var 0.514396 Adjusted R-squared 0.134288 S.D. dependent var 0.262206 S.E. of regression 0.243966 Sum squared resid 7.737516 F-statistic 5.914258 Durbin-Watson stat 0.366909 Prob(F-statistic) 0.000000 Second-Stage SSR 7.794360 Instrument rank 5 79

LAMPIRAN 6 Tabel Pengolahan Data Skripisi Model Persamaan Simultan antara Marjin Bunga Bersih dan Pendapatan Non Bunga pada Bank yang Terdaftar di BEI Periode 2008-2014 Kode Bank Tahun NIM NII SIZE CR ROA ROE AGRO 2010 0.0572 0.8067 14.93302 0.0745 0.63 0.0416 AGRO 2011 0.0454 0.2475 15.06287 0.0355 1.29 0.1137 AGRO 2012 0.0600 0.1333 15.21179 0.0368 1.27 0.1026 AGRO 2013 0.0531 0.1504 15.44946 0.0227 1.40 0.0889 AGRO 2014 0.0462 0.2438 15.66949 0.0202 1.34 0.0736 BABP 2010 0.0619 0.4297 15.97421 0.0434 0.45 0.0533 BABP 2011 0.0543 0.3618 15.80336 0.0625-1.96-0.0896 BABP 2012 0.0544 0.3365 15.82155 0.0578 0.08 0.0026 BABP 2013 0.0484 0.2520 15.91547 0.0488 0.81 0.1628 BABP 2014 0.0343 0.2036 16.05943 0.0588-0.74 0.0669 BACA 2010 0.0395 0.2108 15.29698 0.0103 0.66 0.0511 BACA 2011 0.0362 0.0630 15.36200 0.0081 0.73 0.0519 BACA 2012 0.0466 0.0475 15.55003 0.0211 1.10 0.0846 BACA 2013 0.0467 0.1291 15.78112 0.0037 1.31 0.1096 BACA 2014 0.0396 0.1114 16.04033 0.0034 1.07 0.0893 BBCA 2010 0.0530 0.5434 19.58998 0.0360 3.14 0.3330 BBCA 2011 0.0570 0.6316 19.74842 0.0049 3.49 0.3350 BBCA 2012 0.0560 0.7365 19.89498 0.0038 3.37 0.3040 BBCA 2013 0.0620 0.6383 20.00685 0.0044 3.61 0.2820 BBCA 2014 0.0650 0.6618 20.11075 0.0060 3.66 0.2550 BBKP 2010 0.0475 0.7619 17.64214 0.0325 1.42 0.1902 BBKP 2011 0.0455 0.7183 17.82179 0.0283 1.68 0.2010 BBKP 2012 0.0456 0.7644 17.95489 0.0278 1.64 0.1947 BBKP 2013 0.0382 0.7097 18.00796 0.0243 1.75 0.1909 BBKP 2014 0.0370 0.7074 18.12990 0.0277 1.24 0.1250 BBNI 2010 0.0578 0.5261 19.29861 0.0428 2.27 0.2470 BBNI 2011 0.0603 0.4861 19.48025 0.0361 2.56 0.2010 BBNI 2012 0.0593 0.5146 19.58861 0.0281 2.67 0.2000 BBNI 2013 0.0611 0.5913 19.73095 0.0216 2.98 0.2350 BBNI 2014 0.0620 0.6069 19.79051 0.0196 3.33 0.2364 BBNP 2010 0.0491 0.3942 15.47986 0.0067 1.29 0.1238 BBNP 2011 0.0499 0.3663 15.69843 0.0088 1.40 0.1282 80

BBNP 2012 0.0556 0.4796 15.92113 0.0097 1.40 0.1937 BBNP 2013 0.0516 0.3949 16.11667 0.0092 1.42 0.1216 BBNP 2014 0.0469 0.4655 16.06352 0.0186 1.38 0.0909 BBRI 2010 0.1077 0.5073 19.80295 0.0278 3.74 0.4383 BBRI 2011 0.0958 0.5832 19.93917 0.0230 4.10 0.4249 BBRI 2012 0.0842 0.4684 20.09817 0.0097 4.42 0.3866 BBRI 2013 0.0855 0.5824 20.22300 0.0155 4.56 0.3411 BBRI 2014 0.0851 0.6530 20.47226 0.0169 3.95 0.3122 BBTN 2010 0.0599 0.5018 18.04067 0.0317 1.83 0.1656 BBTN 2011 0.0576 0.6383 18.30551 0.0270 1.71 0.1765 BBTN 2012 0.0583 0.6222 18.53176 0.0422 1.66 0.1823 BBTN 2013 0.0544 0.5142 18.69200 0.0430 1.63 0.1605 BBTN 2014 0.0447 0.5241 18.78932 0.0419 1.07 0.1066 BDMN 2010 0.0113 0.9294 18.55052 0.0325 2.09 0.1810 BDMN 2011 0.0990 0.9891 18.66114 0.0271 2.40 0.1720 BDMN 2012 0.1010 0.9741 18.68669 0.0267 3.10 0.1620 BDMN 2013 0.0960 0.9696 18.83953 0.0203 2.42 0.1450 BDMN 2014 0.0840 1.0187 18.91076 0.0247 3.01 0.0860 BEKS 2010 0.3510 0.4782 14.26124 0.5096-10.65 0.8444 BEKS 2011 0.0820 0.4990 15.60611 0.0912-2.86 0.5055 BEKS 2012 0.1664 0.6325 15.85451 0.0995 0.89 0.0952 BEKS 2013 0.1304 0.8268 16.01308 0.0675 1.14 0.1444 BEKS 2014 0.0965 0.9071 16.01762 0.0694-1.64 0.1631 BKSW 2010 0.0513 0.1489 14.76714 0.0208 0.16 0.0077 BKSW 2011 0.0534 0.5699 15.09473 0.0156 0.43 0.0072 BKSW 2012 0.0463 0.1662 15.35123 0.0073-0.74 0.0338 BKSW 2013 0.0820 0.6096 16.21773 0.0023 0.05 0.0029 BKSW 2014 0.0280 0.8341 16.85234 0.0031 0.78 0.0654 BMRI 2010 0.0539 0.6260 19.82635 0.0200 3.20 0.3309 BMRI 2011 0.0529 0.5707 20.00809 0.0200 2.99 0.2557 BMRI 2012 0.0558 0.6384 20.14898 0.0100 3.21 0.2723 BMRI 2013 0.0568 0.6074 20.28979 0.0100 3.34 0.2731 BMRI 2014 0.0594 0.6381 20.44493 0.0100 3.19 0.2581 hrbnba 2010 0.0610 0.7999 14.79423 0.0225 1.42 0.0839 BNBA 2011 0.0656 0.5674 14.90176 0.0107 1.92 0.1194 BNBA 2012 0.0713 0.4280 15.06355 0.0063 2.22 0.1484 BNBA 2013 0.0616 0.5120 15.21316 0.0021 1.95 0.1315 BNBA 2014 0.0581 0.5180 15.45556 0.0025 1.37 0.1134 BNGA 2010 0.0646 0.7040 18.77705 0.0253 2.29 0.2088 BNGA 2011 0.0563 0.6591 18.91622 0.0264 2.58 0.1989 BNGA 2012 0.0587 0.6008 19.07619 0.0229 2.88 0.2088 81

BNGA 2013 0.0281 0.6400 19.16939 0.0223 2.66 0.1550 BNGA 2014 0.0286 0.6692 19.24006 0.0390 1.53 0.0920 BNNI 2010 0.0586 0.8461 18.08695 0.0315 0.91 0.0681 BNNI 2011 0.0522 0.7670 18.32352 0.0207 0.98 0.0916 BNNI 2012 0.0570 0.7299 18.52649 0.0170 1.32 0.1579 BNNI 2013 0.0494 0.7134 18.71667 0.0211 1.35 0.1618 BNNI 2014 0.0476 0.8013 18.72257 0.0223 0.41 0.0602 BNLI 2010 0.0539 0.7060 18.08695 0.0265 1.79 0.2280 BNLI 2011 0.0513 0.7087 18.43591 0.0204 1.44 0.1587 BNLI 2012 0.0503 0.7323 18.69930 0.0137 1.45 0.1754 BNLI 2013 0.0422 0.7566 18.92474 0.0104 1.39 0.1568 BNLI 2014 0.0363 0.5138 19.03636 0.0170 1.11 0.1754 BSWD 2010 0.0582 0.7063 14.26680 0.0355 3.06 0.1169 BSWD 2011 0.0639 0.5451 14.54808 0.0198 3.10 0.1526 BSWD 2012 0.0512 0.5757 14.74797 0.0140 2.91 0.1682 BSWD 2013 0.0592 0.4323 15.09682 0.0159 3.04 0.2203 BSWD 2014 0.0420 0.5160 15.46401 0.0178 2.73 0.2313 BTPN 2010 0.1400 0.5705 17.35712 0.0114 3.27 0.3640 BTPN 2011 0.1300 0.5289 17.65821 0.0072 3.82 0.3180 BTPN 2012 0.1310 0.4491 17.89457 0.0058 4.21 0.0360 BTPN 2013 0.1270 0.2786 18.05921 0.0067 4.12 0.0450 BTPN 2014 0.1140 0.3525 18.09026 0.0070 3.40 0.0470 BVIC 2010 0.0177 0.0060 16.12870 0.0504 1.29 0.1841 BVIC 2011 0.0186 0.0232 16.24057 0.0238 2.06 0.2491 BVIC 2012 0.0312 0.0659 16.42307 0.0230 1.86 0.1648 BVIC 2013 0.0233 0.0463 16.70608 0.0070 1.71 0.1672 BVIC 2014 0.0188 0.0429 16.81815 0.0352 0.74 0.0762 INPC 2010 0.0397 0.2409 16.65243 0.0200 0.69 0.0879 INPC 2011 0.0355 0.1439 16.76966 0.0185 0.66 0.0879 INPC 2012 0.0422 0.3190 16.83880 0.0080 0.68 0.1314 INPC 2013 0.0531 0.3031 16.86897 0.0176 1.39 0.1159 INPC 2014 0.0475 0.2577 16.97052 0.0169 0.76 0.0580 MAYA 2010 0.0625 0.1227 16.12827 0.0327 1.05 0.0728 MAYA 2011 0.0584 0.0377 16.37670 0.0257 1.78 0.1153 MAYA 2012 0.0600 0.0256 16.65847 0.0302 2.05 0.1767 MAYA 2013 0.0575 0.0494 16.99421 0.0104 2.12 0.2285 MAYA 2014 0.0452 0.0921 17.40384 0.0146 1.60 0.2096 MCOR 2010 0.0461 0.2085 15.28671 0.0208 0.87 0.0724 MCOR 2011 0.0462 0.3979 15.68002 0.0317 0.75 0.0694 MCOR 2012 0.0518 0.8467 15.68658 0.0198 1.97 0.1591 MCOR 2013 0.0487 0.8412 15.88455 0.0169 1.50 0.1070 82

MCOR 2014 0.0376 0.8940 16.09479 0.0271 0.73 0.0528 MEGA 2010 0.0488 0.5674 17.76153 0.0090 2.01 0.2720 MEGA 2011 0.0540 0.6547 17.94726 0.0098 1.91 0.2674 MEGA 2012 0.0645 0.9113 18.00757 0.0209 2.37 0.2744 MEGA 2013 0.0538 1.2711 18.01285 0.0217 0.95 0.0965 MEGA 2014 0.0527 0.9664 18.01588 0.0209 1.05 0.1005 NISP 2010 0.0504 0.6896 17.61043 0.0199 1.27 0.0812 NISP 2011 0.0480 0.6770 17.90709 0.0126 1.68 0.1290 NISP 2012 0.0417 0.6145 18.18675 0.0091 1.54 0.1222 NISP 2013 0.0411 0.6843 18.39561 0.0073 1.57 0.1187 NISP 2014 0.0415 0.9129 18.45143 0.0134 1.72 0.0968 PNBN 2010 0.0459 0.1963 18.47818 0.0437 1.47 0.1162 PNBN 2011 0.0464 0.1861 18.58841 0.0356 1.86 0.1472 PNBN 2012 0.0419 0.3178 18.76746 0.0169 1.78 0.1537 PNBN 2013 0.0409 0.4628 18.85330 0.0213 1.74 0.1456 PNBN 2014 0.0383 0.2825 18.88463 0.0205 1.74 0.1309 SDRA 2010 0.1024 0.5004 14.99286 0.0178 2.51 0.1745 SDRA 2011 0.0914 0.3916 15.44196 0.0165 2.40 0.2336 SDRA 2012 0.0828 0.4670 15.84646 0.0199 2.10 0.0969 SDRA 2013 0.0719 0.3203 15.92340 0.0264 3.31 0.1395 SDRA 2014 0.0189 0.4219 16.61479 0.0251 1.15 0.0835 83