(dalam jutaan rupiah) laba tahun berjalan 4,346,224 5,312,821 7,155,464 9,218,298 total aset 319,085,590 358,438,678 394,616,604 449,774,551 ROA 1.36% 1.48% 1.81% 2.05% Biaya Operasional 8,208,077 8,894,781 10,009,867 12,074,973 Pendapatan Operasional 12,785,921 14,799,620 16,777,115 20,071,521 BO/PO 64.20% 60.10% 59.66% 60.16% total kredit bermasalah 489,323 887,149 13,535 551,858 NPL 0.39% 0.55% 0.01% 0.24% dana pihak ketiga 247,355,023 289,112,052 319,550,381 362,212,154 LDR 34.64% 56.25% 57.80% 64.20% modal 29,243,732 30,513,869 35,108,769 41,542,808 aset tetap 4,531,577 4,603,560 4,963,306 5,527,000 modal - aset tetap 24,712,155 25,910,309 30,145,463 36,015,808 surat berharga 3,290,853 24,624,847 18,153,392 27,247,529 pinjaman + surat berharga 128,779,237 187,262,635 202,844,096 259,792,788 CAR 19.19% 13.84% 14.86% 13.86% Lampiran 2 80
Tabel 4.2 Data Keuangan PT BANK SYARIAH MANDIRI (dalam jutaan rupiah) laba tahun berjalan 115,415 196,415 426,149 579,679 total aset 12,885,390 17,065,937 22,036,534 32,481,873 ROA 0.90% 1.15% 1.93% 1.78% Biaya Operasional 728,252 964,387 1,090,275 1,539,254 Pendapatan Operasional 1,197,273 1,736,389 2,071,022 2,768,071 BO/PO 60.83% 55.54% 52.64% 55.61% total kredit bermasalah 204,407 83,444 90,375 65,086 total seluruh kredit 5,119,653 6,666,515 7,822,981 12,368,814 NPL 3.99% 1.25% 1.16% 0.53% total seluruh kredit 5,119,653 6,666,515 7,822,981 12,368,814 dana pihak ketiga 4,187,588 5,283,260 6,276,294 8,394,986 LDR 122.26% 126.18% 124.64% 147.34% modal 811,376 1,208,428 1,600,459 2,020,165 aset tetap 102,792 192,016 224,214 365,261 modal - aset tetap 708,584 1,016,412 1,376,245 1,654,904 total seluruh kredit 5,119,653 6,666,515 7,822,981 12,368,814 surat berharga 400,000 200,000 33,745 164,785 pinjaman + surat berharga 5,119,653 6,866,515 7,856,726 12,533,599 CAR 13.84% 14.80% 17.52% 13.20% Lampiran 3 Bank Mandiri Tabel 4.3 Capital Adequacy Ratio (CAR) Periode 2007-2010 81
Keterangan modal 29,243,732 30,513,869 35,108,769 41,542,808 aset tetap 4,531,577 4,603,560 4,963,306 5,527,000 modal - aset tetap 24,712,155 25,910,309 30,145,463 36,015,808 surat berharga 3,290,853 24,624,847 18,153,392 27,247,529 pinjaman + surat berharga 128,779,237 187,262,635 202,844,096 259,792,778 CAR 19.19% 13.84% 14.86% 13.86% Tabel 4.4 Non Performance Loan (NPL) Periode 2007-2010 Keterangan total kredit bermasalah 489,323 887,149 13,535 551,858 NPL 0.39% 0.55% 0.01% 0.24% Tabel 4.5 Return on Asset (ROA) Keterangan laba tahun berjalan 4,346,224 5,312,821 7,155,464 9,218,298 total aset 319,085,590 358,438,678 394,616,604 449,774,551 ROA 1.36% 1.48% 1.81% 2.05% Tabel 4.6 Beban Operasional / Pendapatan Operasional (BO/PO) Keterangan Biaya Operasional 8,208,077 8,894,781 10,009,867 12,074,973 Pendapatan Operasional 12,785,921 14,799,620 16,777,115 20,071,521 82
BO/PO 64.20% 60.10% 59.66% 60.16% Tabel 4.7 Loan to Deposit (LDR) Keterangan dana pihak ketiga 247,355,023 289,112,052 319,550,381 362,212,154 LDR 34.64% 56.25% 57.80% 64.20% Bank Syariah Mandiri Tabel 4.8 Capital Adequacy Ratio (CAR) Periode 2007 2010 Keterangan modal 811,376 1,208,428 1,600,459 2,020,165 aset tetap 102,792 192,016 224,214 365,261 modal - aset tetap 708,584 1,016,412 1,376,245 1,654,904 83
total seluruh kredit 5,119,653 6,666,515 7,822,981 12,368,814 surat berharga 400,000 200,000 33,745 164,785 pinjaman + surat berharga 5,119,653 6,866,515 7,856,726 12,533,599 CAR 13.84% 14.80% 17.52% 13.20% Tabel 4.9 Non Performance Loan (NPL) Periode 2007-2010 Keterangan total kredit bermasalah 204,407 83,444 90,375 65,086 total seluruh kredit 5,119,653 6,666,515 7,822,981 12,368,814 NPL 3.99% 1.25% 1.16% 0.53% Tabel 4.10 Return on Asset (ROA) Keterangan laba tahun berjalan 115,415 196,415 426,149 579,679 total aset 12,885,390 17,065,937 22,036,534 32,481,873 ROA 0.90% 1.15% 1.93% 1.78% Tabel 4.11 84
Beban Operasional / Pendapatan Operasional (BO/PO) Keterangan Biaya Operasional 728,252 964,387 1,090,275 1,539,254 Pendapatan Operasional 1,197,273 1,736,389 2,071,022 2,768,071 BO/PO 60.83% 55.54% 52.64% 55.61% Tabel 4.12 Loan to Deposit (LDR) Keterangan total seluruh kredit 5,119,653 6,666,515 7,822,981 12,368,814 dana pihak ketiga 4,187,588 5,283,260 6,276,294 8,394,986 LDR 122.26% 126.18% 124.64% 147.34% Perbandingan Bank Mandiri dan Bank Syariah Mandiri Tabel 4.13 Perbandingan Capital Adequacy Ratio (CAR) Bank Mandiri dan Bank Syariah Mandiri Nama Bank Capital Adequacy Ratio(CAR) Mean Bank Mandiri 19.19% 13.84% 14.86% 13.76% 15.41% Bank Syariah Mandiri 13.84% 14.80% 17.52% 13.20% 14.84% 85
Tabel 4.14 Perbandingan Non Performance Loan (NPL) Bank Mandiri dan Bank Syariah Mandiri Nama Bank Non Performance Loan (NPL) Mean Bank Mandiri 0.39% 0.55% 0.01% 0.24% 0.30% Bank Syariah Mandiri 3.99% 1.25% 1.16% 0.53% 1.73% Tabel 4.15 Perbandingan Return on Asset (ROA) Bank Mandiri dan Bank Syariah Mandiri Nama Bank Return on Asset (ROA) Mean Bank Mandiri 1.36% 1.48% 1.81% 2.05% 1.68% Bank Syariah Mandiri 0.90% 1.15% 1.93% 1.78% 1.44% 86
Tabel 4.16 Perbandingan Beban Operasional / Pendapatan Operasional (BO/PO) Bank Mandiri dan Bank Syariah Mandiri Nama Bank Beban Operasional / Pendapatan Operaional (BO/PO) Mean Bank Mandiri 64.20% 60.10% 59.66% 60.16% 61.03% Bank Syariah Mandiri 60.83% 55.54% 52.64% 55.61% 56.15% Tabel 4.17 Perbandingan Loan to Deposit (LDR) Bank Mandiri dan Bank Syariah Mandiri Nama Bank Loan to Deposit (LDR) Mean Bank Mandiri 34.64% 56.25% 57.80% 64.20% 53.22% Bank Syariah Mandiri 122.26% 126.18% 124.64% 147.34% 130.10% 87
Lampiran 4 Struktur organisasi PT. Bank Mandiri RUPS DEWAN UTAMA OPERASI WILAYAH USAHA KHUSUS PEMASARAN PENELITIAN PENGEMBANGAN PENGENDALIAN PERSONALIA DAN UMUM SATUAN PENGAWAS BAG.ADM BAGIAN PEMASARAN BAGIAN PENGENDALIAN CABANG Gambar: 4.1 88
Struktur Organisasi PT. Bank Syariah Mandiri RUPS DEWAN PENGAWAS DEWAN OPERASI WILAYAH USAHA KHUSUS PEMASARAN PENELITIAN PENGEMBANGAN PENGENDALIAN PERSONALIA DAN UMUM SATUAN PENGAWAS BAG.ADM BAGIAN PEMASARAN BAGIAN PENGENDALIAN CABANG Gambar: 4.2 89