bni bigpro

8/18/2019 BNI BIGPRO

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ANALISIS LAPORAN KEUANGAN

PT BANK BNI Tbk (AC402C)

Disusun ole

KELOMPOK 6:

1. Teresa Dyta N. (232013170)

2. Dluha Anana M. ! (2320131"1)

3. D#$ Nur %. (2320131"2)

&. Mut$ara Putr$ M. (2320131"3)

'. Lestar$ !naul$ . (2320131"')

6. Mn$*a !atna K. %. (23201322&)

7. Anthny +,yan (2320131-1)

". Dara +ear /at$ %. (2320131-3)

AKLTA+ EKONOMKA DAN +N+

N4E!+TA+ K!+TEN +AT5A %AANA

+ALATA


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KATA PENANTA!

Pu!i s"uku# k$%i &$n!$'k$n ke$i#$' Tu$n "$n *$$ Es$ $'$s #$%$'N"$ k$%i$&$' %en"eles$ik$n Big Project *$k$l$ +An$lisis L$&o#$n Keu$n$n &$$ PT, BNI Tbk ini

en$n b$ik, *$k$l$ ini ibu$' en$n 'u!u$n un'uk %e%enui 'u$s %$'$ kuli$ An$lisis

L$&o#$n Keu$n$n,

K$%i %en"$$#i b$-$ %$si $$ ke'e#b$'$s$n $l$% %$k$l$ ini. ole k$#en$ i'u

k$%i %en$#$&k$n k#i'ik $n s$#$n $#i se%u$ &i$k "$n be#si/$' %e%b$nun,

Aki# k$'$. k$%i u$&k$n 'e#i%$ k$si ke&$$ se%u$ &i$k "$n 'el$ be#&e#$n se#'$

$l$% &en"usun$n %$k$l$ ini $#i $-$l s$%&$i $ki#, Se%o$ Tu$n "$n *$$ Es$

%e%be#k$'i ki'$ se%u$, A%in,

S$l$'i$. 1 Ail 203


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1. ANAL++ LNKNAN +N+ 8 +T!ATE PT N T9

A. Anal$s$s L$nunan $sn$s

Pr,$l

N$%$ Pe#us$$$n PT BNI TbkBi$n Pen"ei$ 5$s$ Pe#b$nk$nT$un Be#ii#i 6 5uli 743Lok$si 5$k$#'$

B$nk Ne$#$ Inonesi$ (Pe#se#o) Tbk, $'$u bi$s$ iken$l en$n BNI %e#u&$k$n

s$l$ s$'u &en"ei$ !$s$ &e#b$nk$n 'e#ke%uk$ i Inonesi$, B$nk &e#'$%$ "$n

i%iliki ole Pe%e#in'$ Re&ublik Inonesi$ se$#$ #es%i, Debu' &e#'$%$ BNI se!$k

$-$l be#i#in"$ en$n %ene$#k$n ORI (Oe$n Re&ublik Inonesi$) "$n

%e#u&$k$n $l$' &e%b$"$#$n &e#'$%$ "$n #es%i se!$k '$n$l 80 Ok'obe# 743,

Pe#$n BNI seb$$i b$nk si#kul$si $'$u b$nk sen'#$l %ul$i ib$'$si ole Pe%e#in'$

sei#in en$n &enun!uk$n b$nk -$#is$n Bel$n$ De 5$9se B$nk seb$$i B$nk

Sen'#$l se!$k '$un 747, Sel$n!u'n"$ BNI ibe#ik$n $k seb$$i b$nk e9is$ sel$in

be#&e#$n seb$$i b$nk &e%b$nun$n en$n %e%iliki $kses '#$ns$ksi l$nsun ke

lu$# nee#i, S'$'us BNI ke%ui$n be#ub$ %en!$i b$nk ko%e#si$l %ilik &e%e#in'$

en$n&en$%b$$n %o$l &$$ '$un 766,

P$$ '$un 202. Pe%e#in'$ Inonesi$ 'el$ %e%e$n s$$% BNI sebes$# 30: $n

sis$n"$ 40: i%iliki ole &e%e$n s$$% &ublik "$n $'$n $#i ini9iu.

ins'$nsi. o%es'ik %$u&un $sin,BNI 'el$ be#$sil %en!$i b$nk 'e#bes$# ke;4 i

Inonesi$ bil$ ili$' $#i 'o'$l $se'. 'o'$l k#ei' %$u&un 'o'$l $n$ &i$k ke'i$,


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sel$lu be#u&$"$ un'uk %e%be#ik$n l$"$n$n 'e#b$ik $n sel$lu %en!$i keb$n$$n

ne$#$,

uaya Oran$sas$

P#o/esion$lis%e

In'e#i'$s

O#ien'$si Pel$n$n

Pe#b$ik$n 'i$$ en'i

4$s$ an M$s$

@isi

*en!$i Le%b$$ Keu$n$n "$n unul. 'e#ke%uk$ $n 'e#e&$n $l$% l$"$n$n

$n kine#!$,

*isi

*e%be#ik$n l$"$n$n i%$ $n solusi "$n be#nil$i '$%b$ ke&$$ selu#u n$s$b$.

$n sel$ku %i'#$ &illi$n u'$%$. *enink$'k$n nil$i in9es'$si "$n unul b$i

in9es'o#. *eni&'$k$n konisi 'e#b$ik seb$$i 'e%&$' keb$n$$n un'uk be#k$#"$ $n

be#es'$si. *enink$'k$n ke&euli$n $n '$nun !$-$b 'e#$$& linkun$n

soi$l. *en!$i $u$n &el$ks$n$$n ke&$'u$n $n '$'$ kelol$ &e#us$$$n "$n b$ik,

N$la$ Perusahaan


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Ins$n BNI *enink$'k$n Ko%&e'ensi $n *e%be#ik$n


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%en"$lu#k$n $n$ $#i %$s"$#$k$' $l$% ben'uk k#ei' $'$u ben'uk;ben'uk l$inn"$ $l$%

#$nk$ %enink$'k$n '$#$/ iu& #$k"$' b$n"$k, Se&e#'i &$$ &ene#'i$nn"$. "$n &$$

in'in"$ &e#b$nk$n %e#u&$k$n b$$n us$$ "$n %eni%&un $n$ $#i %$s"$#$k$' $n

%en"$lu#k$nn"$ ke%b$li ke %$s"$#$k$', D$#i &ene#'i$n i $'$s $&$' 'e#li$' sekil$s

%enen$i &e#$n$n &e#b$nk$n "$n i$#$&k$n $&$' %e%$!uk$n &e#ekono%i$n i Inonesi$,

Du$ $l 'e#sebu' %e#u&$k$n 'u$s in'i $#i sebu$ B$nk U%u%, N$%un. sei#in en$n

be#!$l$nn"$ -$k'u. 'u$s $#i B$nk U%u% kini se%$kin be#ke%b$n. i$n'$#$n"$ "$i'u

Peni&'$$n u$n i#$l. "$i'u $l$' &e%b$"$#$n le-$' %ek$nis%e &e%in$ buku$n

(kli#in), Ke%$%&u$n b$nk u%u% %eni&$'$k$% u$n i#$l %en"eb$bk$n &osisi $n

/unsin"$ $l$% &el$ks$n$$n kebi!$k$n %one'e#,

*enukun Kel$n$#$n *ek$nis%e Pe%b$"$#$n, ?unsi l$in $#i b$nk u%u% "$n

!u$ s$n$' &en'in $$l$ %enukun kel$n$#$n %ek$nis%e &e%b$"$#$n,


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5ik$ ki'$ su$ %ene'$ui /unsi; /unsi $#i b$nk u%u%. %$k$ sel$n!u'n"$

%ul$i %e%b$$s B$nk BNI $#i sisi $n$lisis inus'#i, Sei#in en$n &e#'u%bu$n

bisnis. &e#us$$$n be#us$$ un'uk %en$&$'k$n market share "$n lebi bes$# &$$

inus'#i &e#b$nk$n $n ouk '$bun$n &$$ kususn"$ en$n be#us$$ un'uk

be#s$in l$nsun en$n &$#$ &e%$in i$'$s BNI se&e#'i *$ni#i. BRI. BCA $n

%enen$ se&e#'i Ni$$. D$n$%on, Be#iku' $n$lsis SOT $#i BNI

Anal$s$s +%OT

*e#u&$k$n sebu$ $n$lisis %enen$i keku$'$n. kele%$$n. &elu$n. se#'$ $n$%$n

"$n i%iliki ole sebu$ &e#us$$$n, An$lisis ini i&e#luk$n seb$$i $s$# $l$%

%enen'uk$n b$$i%$n$ &osisi sebu$ &e#us$$$n $n s'#$'ei se&e#'i $&$ "$n $k$n i$%bil

$l$% %en!$l$nk$n us$$n"$,

S'#en'

• Re&u'$si. n$%$ b#$n "$n su$ iken$l. $n se!$#$ &$n!$n "$n ku$' $n s'$bil

seb$$i b$nk 'e#ke%uk$ i Inonesi$,

Seb$$i b$nk 'e#ke%uk$ i Inonesi$ sel$%$ lebi $#i se'en$ $b$. BNI

be#ke"$kin$n b$-$ BNI %e%iliki #e&u'$si "$n b$ik $n n$%$ BNI %e#u&$k$n s$l$ s$'u

le%b$$ keu$n$n 'e#ke%uk$ "$n &$lin iken$l i Inonesi$, BNI be#ke"$kin$n b$-$

en$n n$%$ bes$# BNI i inus'#i &e#b$nk$n. BNI %e%iliki platform "$n ku$' un'uk

%e%$s$#k$n ouk $n l$"$n$n "$n i%ilikin"$, Seb$$i &en$ku$n $'$s merk "$n

'e#ke%uk$ $n ku$li'$s &el$"$n$n "$n 'ini. BNI %e%&e#ole &en$#$$n +B$nkin

Se#9ie Eellene A-$# $#i *$#ke' Rese$# Ins'i'u'e $n +In/o B$nk sel$%$ 'i$ '$un

be#'u#u';'u#u' "$i'u '$un 200>. 2001 $n 2007, BNI %ene%&$'i &osisi b$nk 'e#bes$# ke;4 i

Inonesi$ $l$% $l 'o'$l $se'. 'o'$l k#ei' $n $n$ &i$k ke'i$ &e# 80 5uni 200

be#$s$#k$n $'$ s'$'is'ik "$n ikelu$#k$n ole B$nk Inonesi$, Pe# '$n$l 80 Se&'e%be#

200. BNI %en$'$' 'o'$l $se' sebes$# R&224,1 %ili$#. R&23,0>4 %ili$# 'o'$l k#ei'.

R&18,>>2 %ili$# 'o'$l $n$ &i$k ke'i$, BNI %en$-$#k$n ouk $n l$"$n$n ke&$$ lebi

$#i 748 #ekenin n$s$b$ ko#&o#$si bes$# >,712 #ekenin n$s$b$ us$$ keil $n

%enen$. 210,000 #ekenin &in!$%$n n$s$b$ $n seki'$# 0.7 !u'$ #ekenin n$s$b$ #i'el,

• Pl$'/o#% 5$#in$n Dis'#ibusi "$n Lu$s $n Eks'ensi/


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BNI seb$$i s$l$ s$'u B$nk bes$# i Inonesi$ %e%iliki %isi %e%be#ik$n l$"$n$n

i%$ se#'$ %e%be#ik$n solusi b$i n$s$b$n"$ sein$ %e%be#ik$n nil$i '$%b$ b$i

konsu%en "$n $k$n be#u!un B$nk BNI %en!$i &ili$n B$nk b$i %$s"$#$k$' Inonesi$,

Be#b$$i %$$% l$"$n$n unul$n BNI i'$-$#k$n $$# %en!$i B$nk n$sion$l "$n unul

$n 'e#e&$n $l$% l$"$n$nn"$ "$n %e%iliki !$#in$n "$n lu$s $n eks'ensi/, Den$n

%e%be#ik$n l$"$n$n be#!$#in$n lu$s iselu#u Inonesi$ in$ lu$# nee#i %e%u$k$n

n$s$b$n"$ un'uk %en$kses l$"$n$n BNI k$&$n&un $n i%$n$&un,

BNI %e%iliki platform !$#in$n is'#ibusi "$n 'e#seb$# i selu#u Inonesi$. en$n

,064 k$n'o# $b$n ('e#%$suk k$n'o# $b$n &e%b$n'u). 6 sen'#$ k#ei' keil. 20 sen'#$

k#ei' %enen$. 2 sen'#$ k#ei' konsu%en. 24 sen'#$ BNI E%e#$l,

BNI %e%iliki 4,0>2 %esin AT* &e# 80 Se&'e%be# 200 sein$ n$s$b$ $&$'

%el$kuk$n l$"$n$n &e#b$nk$n "$n il$kuk$n %el$lui %esin AT* (Au'o%$'i Telle#

*$ine) "$n %el$"$ni sel$%$ 24 !$%. $$# $&$' %el$kuk$n '#$ns$ksi &e#b$nk$n %eli&u'i

&en$#ik$n 'un$i. inui#" s$lo #ekenin '$bun$n. se'o#$n 'un$i (%el$lui %esin CD*) $n

%el$kuk$n be#b$$i !enis &e%beli$n $n &e%b$"$#$n '$i$n '$n&$ $#us $'$n l$nsun ke

K$n'o# C$b$n BNI $n '$n&$ 'e#ik$' -$k'u, B$n"$kn"$ AT* "$n i%iliki BNI i$#$&k$n

$&$' %e%be#ik$n nil$i lebi b$i konsu%enn"$ en$n $&$' %en$#ik u$n 'un$i $l$% 24

!$% sein$ n$s$b$ 'i$k l$i 'e#$n'un !$% &el$"$n$n b$nk $'$u $#i libu# un'uk

%en$%bil u$n 'un$i. beb$s $#i $n'#i$n "$n &$n!$n. %ene%$' -$k'u. k$#en$ 'i$k l$i

%eniku'i oseu# $%inis'#$si, Sel$in %en$#ik u$n 'un$i !u$ $&$' %eli$' s$lo $n

%el$kuk$n &e%in$buku$n, lebi %u$ i$&$i k$#en$ AT* BNI 'e#sei$ i be#b$$i

lok$si s'#$'eis. $&$' %enun$k$n l$"$n$n AT* l$inn"$ se&e#'i. in/o#%$si s$lo.

&e%beli$n 9oue# isi ul$n. &e%in$ buku$n. &e%b$"$#$n k$#'u k#ei'. &e%b$"$#$n 'el&on

(Telko% $n Tel&on Selule#). &e%b$"$#$n PA* se#'$ &e%beli$n 'ike' &es$-$',

BNI %e%iliki !$#in$n "$n lu$s in$ ke lu$# ne#i $n %e%&un"$i $b$n i

Lonon. Tok"o. Sin$&o#e.


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Den$n kese#ius$n BNI $l$% %en$#$& &eni#i%$n u$n $#i lu$# nee#i ini

'e#li$' $#i &enink$'$n !u%l$ 9olu%e $n sli& remittance '$un ini !ik$ ib$nink$n

en$n &e#ioe "$n s$%$ &$$ '$un l$lu, Un'uk '$un ini 'e#$'$' seb$n"$k .4 !u'$ sli&

en$n 9olu%e &eni#i%$n in$ 4 %ili$#, P$$$l '$un l$lu $n"$ 21 %ili$# en$n

sli& seb$n"$k .8 !u'$, Den$n %ene%b$nk$n ouk ini lebi l$n!u'. BNI %en$&$'k$n

&e%bi$"$$n "$n uku& bes$# k$#en$ !u%l$ TKI "$n b$n"$k %enun$k$n l$"$n$n

unul$n $#i BNI ini,Den$n es'$si inil$ BNI be#$sil %e#$i &en$#$$n seb$$i Te

Bes' Re%i''$ne P#o9ie# in Asi$ un'uk u$ '$un be#'u#u';'u#u', P$$ kee&$nn"$ BNI

be#en$n$ %en$%b$ &e#-$kil$n i Ko#e$. Aus'#$li$ $n Bel$n$

• B$sis N$s$b$ "$n Bes$# en$n Ku$li'$s "$n Tini

BNI %el$"$ni b$sis n$s$b$ ko#&o#$si. ko%e#si$l $n ini9iu %el$lui !$#in$n

&el$"$n$n "$n lu$s,Pe# 80 Se&'e%be# 200. BNI 'el$ %e%be#ik$n k#ei' ke&$$ >,712

n$s$b$ us$$ keil $n %enen$. se#'$ %e%be#ik$n %o$l ke&$$ b$n"$k &e%$sok kuni

$n #ek$n$n $#i n$s$b$ ko#&o#$si bes$# BNI, Penek$'$n 9$lue $in en$n %e%&e#lu$s

ubun$n en$n &e%$sok $n #ek$n$n "$n 'e#%$suk $l$% 9$lue $in bisnis n$s$b$

%e%unkink$n BNI un'uk %e%b$n'u n$s$b$n"$ un'uk 'u%bu $n sukses, Den$n

&e%be#i$n k#ei' 'e#sebu' BNI %en$&$'k$n %e%&e#ole $sil $#i &e%be#i$n k#ei'

'e#sebu', >2 %ili$# $n$ &i$k ke'i$ "$n 'e#si%&$n $l$% 0.7 !u'$ #ekenin si%&$n$n

n$s$b$ &e# 80 Se&'e%be# 200, BNI be#ke"$kin$n b$-$. BNI %e#u&$k$n s$l$ s$'u

&e%i%&in $l$% &$s$# l$"$n$n $s %$n$e%en' i Inonesi$,


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k#ei'. $n /unsi &e%$n'$u$n, Sel$in i'u. BNI !u$ 'el$ %e%is$k$n i9isi %$n$!e%en

#isiko $n i9isi ke&$'u$n, *$n$!e%en BNI be#ko%i'%en un'uk %en$&$i s'$bili'$s

keu$n$n. %eni&'$k$n nil$i b$i &e%e$n s$$% se$#$ be#kel$n!u'$n. $n %ene#$&k$n

'$'$ kelol$ &e#us$$$n "$n b$ik, Seb$$i s$l$ s$'u b$i$n $#i sis'e% in'e#n$l "$n sesu$i

en$n s'$n$# in'e#n$sion$l, BNI 'el$ %e%ben'uk ko%i'e in'e#n$l un'uk %enukun

&ene#$&$n '$'$ kelol$ &e#us$$$n "$n b$ik. $n un'uk %el$kuk$n &enil$i$n $n &e%$n'$u$n

'e#$$& kebi!$k$n in'e#n$l $$# sesu$i en$n Pe#$'u#$n B$nk Inonesi$ $n !u$ insi&

$n oseu# &e#b$nk$n, P$$ '$un 2007. BNI %ene#i%$ &en$#$$n +Bes' Co#&o#$'e

Go9e#n$ne i Inonesi$ $#i Eu#o%one" be#$s$#k$n $sil &ili$n $#i $n$lis s$$% i

#eion$l Asi$;P$si/ik,


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/$sili'$s LFC &$$ '$un 2008, D$l$% $k'i9i'$s &e#$$n$n in'e#n$sion$l b$ik $#i sei

eks&o# %$u&un i%&o# /unsi b$nk s$n$'l$ &en'in. 'e#u'$%$ /unsi seb$$i &e#$n'$#$ i

bi$n &el$ks$n$$n 'eknis &e%b$"$#$n lu$# nee#i,

?unsi &en'in $#i &$$ b$nk seb$$i &e#$n'$#$ $l$% &e%b$"$#$$n lu$# nee#i.

is$%&in un'uk %e%&e#e&$' $n %e%&e#%u$ &el$ks$n$$nn"$. ubun$n ko#es&onen

"$n e%iki$n be#$#'i $$n"$ &e%$k$i$n !$s$;!$s$ $#i b$nk lu$# nee#i. !u$ $&$'

%e%be#ik$n keun'un$n ke&$$ b$nk;b$nk "$n 'el$ %enun!ukn"$ seb$$i b$nk

ko#es&onen $'$s $s$# insi& #esiosi'$s, Te'$&i $l$% k$sus ini. %ul$i $#i su#$' k#ei'

(LFC) "$n i'e#bi'k$n buk$n $#i b$nk ko#es&onen. s"$#$';s"$#$' LFC "$n '$k i&enui.

iskon'o "$n il$kuk$n sebelu% $kse&'$si o&enin b$nk (b$nk &e%buk$ LFC). s$%&$i

en$n &e%$lsu$n oku%en LFC isebu' seb$$i seb$b %us$b$b "$n %en"eb$bk$n

boboln"$ B$nk BNI, Kebobol$n ini $kib$' 'i$k i'e#$&k$nn"$ sis'e% %$n$!e%en #isiko "$n

b$ik, Se$#us%"$ %$n$!e%en #isiko %en$ku& $$n"$ &en$-$s$n $k'i/ e-$n ko%is$#is

$n i#eksi. keuku&$n kebi!$k$n. oseu# $n &ene'$&$n li%i'. keuku&$n oses

ien'i/ik$si. &enuku#$n. &e%$n'$u$n $n &enen$li$n #isiko. se#'$ sis'e% in/o#%$si

%$n$!e%en #isiko $n sis'e% &enen$li$n in'e#n$l "$n %en"elu#u,


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B$n"$kn"$ &e%$in i $l$% inus'#i &e#b$nk$n. %e%bu$' BNI $#us $&$'

%e%&e#'$$nk$n &el$"$n$n "$n %e#ek$ '$-$#k$n. $$# 'i$k k$l$ en$n &$#$ &es$in

l$inn"$ "$n 'e#us be#ben$ i#i $$# $&$' %e%be#ik$n &el$"$n$n 'e#b$ik %e#ek$,

S$'u $s$-$#s$ 'e#$ki# ini. &$s$# &e#b$nk$n o%es'ik i#$%$ik$n ole ke$i#$n

se%$kin b$n"$kn"$ b$nk $sin "$n be#o&e#$si i nee#i ki'$, Ke$i#$n b$nk;b$nk $sin

'el$ %e#$%$ik$n &e#s$in$n &$s$# &e#b$nk$n o%es'ik. sek$lius %e%&e#li$'k$n b$-$

&$s$# o%es'ik %$si uku& lu$s &o'ensi &$s$#n"$,


13/43

%u$n"$ &ublik %en"i%&ulk$n b$-$ u$n "$n %e#ek$ si%&$n i b$nk 'e#sebu' $k$n

%en!$i suli' un'uk i$i#k$n (reputation risk ), Bil$ $l 'e#sebu' ben$#;ben$# 'e#!$i. %$k$

se$#$ o'o$'is b$nk $&$' i;#us ole &$#$ n$s$b$n"$. "$n ke%ui$n $k$n 'i%bul so#'$e

likuii'$s (liuii'" #isk). "$n bil$ 'e#l$lu &$#$. $&$' %e%bu$' b$nk 'e#sebu' i'u'u&,

Se'el$ %el$kuk$n $n$lisis SOT ki'$ $k$n %el$kuk$n $n$lisis $#i sisi inus'#i

en$n %enun$k$n l$n$s$n 'eo#i $#i *i$el &o#'e#, Po#'e# %en"$'$k$n b$-$ keli%$

keku$'$n be#s$in 'e#sebu' $&$' %ene%b$nk$n s'#$'ei &e#s$in$n en$n %e%&en$#ui

$'$u %enub$ keku$'$n 'e#sebu' $$# $&$' %e%be#ik$n si'u$si "$n %enun'unk$n b$i

&e#us$$$n, Ru$n linku& keli%$ keku$'$n be#s$in 'e#sebu'. $n'$#$ l$in

, An$%$n &en$'$n b$#u. "$n $&$' i'en'uk$n en$n $%b$'$n %$suk ke $l$%

inus'#i. $n'$#$ l$in. $%b$'$n $#$. #es&on inu%ben'. bi$"$ "$n 'ini. &en$l$%$n

inu%ben' $l$% inus'#i. keunul$n bi$"$. i//e#ensi$si ouk. $kses is'#ibusi. kebi!$k$n

&e%e#in'$ $n s-i'in os',

2, Keku$'$n '$-$#;%en$-$# &e%$sok. "$n i&en$#ui ole bebe#$&$ /$k'o#. $n'$#$ l$in

'ink$' konsen'#$si &$s$#. i9e#si/ik$si. s-i'in os'. o#$nis$si &e%$sok $n &e%e#in'$,

8, Keku$'$n '$-$#;%en$-$# &e%beli. "$n i&en$#ui ole be#b$$i /$k'o#. $n'$#$ l$in

i//e#ensi$si. konsen'#$si. ke&en'in$n &e%beli. 'ink$' &en$&$'$n. &ili$n ku$li'$s ouk.

$kses in/o#%$si. $n s-i'in os',

4, An$%$n ouk sub'i'usi. "$n i'en'uk$n ole $#$ ouk sub'i'usi. s-i'in os'.

$n ku$li'$s ouk,

6, Pe#s$in$n i $l$% inus'#i. "$n i'en'uk$n ole be#b$$i /$k'o#. "$i'u &e#'u%bu$n

&$s$#. s'#uk'u# bi$"$. $%b$'$n kelu$# inus'#i. s-i'in os'. &en$l$%$n $l$% inus'#i.

$n &e#be$$n s'#$'ei "$n i'e#$&k$n,

Be#iku' 0 b$nk en$n $se' 'e#bes$# in$ Se&'e%be# 206

, B$nk *$ni#i R& 706.>3 '#iliun

2, BRI R& 102.80 '#iliun

8, BCA R& 614.44 '#iliun

4, BNI R& 463.43 '#iliun


14/43


15/43

BNI. l$lu BNI %ene'$&k$n i/e#ensi$si oukn"$ un'uk &$#$ n$s$b$n"$ sein$

&en$'$n b$#u $#us bis$ %eni%b$ni $n be#$ni %enelu$#k$n %o$l "$n bes$# un'uk

bis$ %en$#ik &$#$ n$s$b$ se'i$ BNI. &e#s"$#$'$n %o$l $n kebi!$k$n &e%e#in'$ !u$ bis$

%en!$i $%b$'$n un'uk bis$ 'e#!un ke inus'#i b$nk,

2, D$"$ T$-$# *en$-$# Pe%beli $l$%


16/43

4, ASP In'e#ne' o%%uni'" &o#'$l

6, Telko%sel

3, Sie%ens

>, Ins'i'usi &eniik$n

1, BPR 'e#'en'u

Den$n %en!$lin ke#!$s$%$ en$n b$n"$k &e#us$$$n "$n be#be$ !enis $k$n bis$

%e%&e#ku$' BNI ib$nink$n !ik$ BNI $n"$ %en!$lin en$n bebe#$&$ &e#us$$$n, 5ik$

'i$k. %$k$ $l ini $k$n be#$%&$k ke&$$ /$k'$ b$-$ BNI %$u 'i$k %$u $#us 'e#us

%enu#u'i keen$k su&&lie#, Ole k$#en$ i'u. en$n 'e#us %en$%b$ ke#!$s$%$ en$n be#b$$i &e#us$$$n !u$ $&$' %e%&e#%u$ n$s$b$ $l$% %el$kuk$n '#$ns$ksi !u$

%e%be#ik$n nil$i '$%b$ BNI i %$'$ n$s$b$,

4, An$%$n P#ouk $'$u 5$s$ Subs'i'usi

?$k'o# &enen'u $n$%$n !$s$ subs'i'usi %en$ku& &el$"$n$n $n kine#!$ b$nk

subs'i'usi $n keene#un$n n$s$b$ 'e#$$& b$nk subs'i'usi, Un'uk %eneli%in$si $$n"$

ouk $'$u !$s$ &en$n'i. BNI 'el$ %el$kuk$n us$$ s$l$ s$'un"$ en$n

%en$n$'$n$ni &e#!$n!i$n ke#!$s$%$ en$n Telko%sel. Sie%ens. BPR en$n 'u!u$n un'uk

%e%bunle !$s$ &el$"$n$n BNI. Telko%sel $n Sie%ens i uni$ kususn"$ i Inonesi$,

B$i BNI. $n$%$n $k$n $$n"$ b$nk "$n %en$-$#k$n ouk $n !$s$ "$n se#u&$

%e%$n 'i$k bis$ 'e#el$kk$n $n BNI $#us si$& en$n se$l$ s'#$'ein"$ un'uk bis$

%en$$&i $n$%$n 'e#sebu', Ole k$#en$ i'u. BNI $#us bis$ sel$lu ino9$'i/ $l$%

%e%be#ik$n !$s$ se#'$ ouk;ouk b$nk "$n $k$n i'$-$#k$n ke&$$ n$s$b$ en$n

%is$ln"$ %enee&$nk$n keunul$n &e#be$$n i b$i$n &e#s"$#$'$n &e%in!$%$n "$n

%u$. bun$ "$n #in$n. se#'$ ke#!$ s$%$ en$n b$n"$k &e#us$$$n "$n $&$'

%e%u$k$n n$s$b$ un'uk %el$kuk$n '#$ns$ksi $n seb$$in"$,

6, Pe#s$in$n Di$n'$#$ Pe#us$$$n "$n A$

?$k'o# &enen'u &e#s$in$n i$n'$#$ &e#us$$$n "$n $$ "$i'u &e#'u%bu$n !$s$

l$"$n$n &e#b$nk$n. suku bun$ "$n be#s$in 'e'$&. i/e#ensi$si ouk l$"$n$n. ien'i'$s

b$nk. konsen'#$si $n kesei%b$n$n. ko%&leksi'$s in/o#%$si. #$$% &es$in. '$#u$n

ko#&o#$si. $n $%b$'$n kelu$#, Pes$in $l$% $l ini $$l$ b$nk "$n %en$silk$n se#'$


17/43

%en!u$l ouk se!enis. "$n $k$n be#s$in $l$% %e%&e#ebu'k$n %$#ke' s$#e &$s$#,

Se%$kin 'ini 'ink$' &e#s$in$n $n'$# &e#us$$$n. %enien'i/ik$sik$n !u$ b$-$ $k$n

se%$kin 'ini o/i'$bili'$s inus'#i 'e#sebu', Ole k$#en$ i'u. un'uk 'e'$& $&$'

%e%&e#'$$nk$n %$#ke' s$#e $'$u lebi %e%&e#lu$s %$#ke' s$#e BNI i inus'#i

&e#b$nk$n. %$k$ BNI $#us $&$' %enink$'k$n &el$"$n$n &e#b$nk$nn"$. %e%&e#'$$nk$n

suku bun$ "$n 'e'$& s'$bil. ke%u$$n $l$% &e%in!$%$n. se#'$ i/e#ensi$si ouk "$n

be#$$%,

. ANAL++ MAK!O PT N T9

D. ANAL++ MK!O PT N T9

TAN 2011

Se%en Keil BNI %en$n$ni &e%be#i$n &in!$%$n s$%&$i en$n R& 0 %ili$# un'uk

n$s$b$ ini9iu $n s$%&$i en$n R& 6 %ili$# un'uk n$s$b$ #u&. %el$lui 6 Sen'#$

K#ei' Keil (SKC) $n 70 K$n'o# C$b$n Stand Alone (STA) "$n 'e#seb$# i be#b$$i

ko'$ bes$# i Inonesi$, Se%en Keil %enun!ukk$n kine#!$ "$n %ene%bi#$k$n &$$

'$un 20 en$n %en$'$' &e#'u%bu$n &in!$%$n sebes$# 3.6:. $#i R& 26.3 '#iliun &$$

'$un 200 %en!$i R& 27.7 '#iliun &$$ '$un 20, To'$l !u%l$ ebi'u# Se%en Keil

%enink$' 4.2: $#i 83,840 ebi'u# &$$ '$un 200 %en!$i >>,163 ebi'u# &$$ '$un20, Be#$s$#k$n !enis &in!$%$n "$n ibe#ik$n se&$n!$n '$un 20. &o#'o/olio &in!$%$n

Se%en Keil %$si io%in$si ole K#ei' *o$l Ke#!$ en$n nil$i R& 20.4 '#iliun $'$u

31.4: $#i 'o'$l &en"$lu#$n &in!$%$n, Se%en'$#$ k#ei' in9es'$si sebes$# R& 7.4 '#iliun $'$u

8.3: $#i 'o'$l &en"$lu#$n &in!$%$n, Pen"$lu#$n &in!$%$n Se%en Keil &$$ '$un 20

sebes$# 14.>: &$$ sek'o# unul$n. en$n ko%&osisi 'e#bes$# &$$ sek'o# &e#$$n$n

bes$# $n ee#$n 66.2:. kons'#uksi 4.8: iiku'i &e#'$ni$n >.6:,

TAN 2012

Se%en Keil BNI %en$n$ni &e%be#i$n k#ei' in$ R&0 %ili$# un'uk n$s$b$ ini9iu

$n s$%&$i en$n R&6 %ili$# un'uk n$s$b$ #u&. "$n is$lu#k$n %el$lui 64 Sen'#$

K#ei' Keil (SKC) $n 246 K$n'o# C$b$n S'$n Alone (STA) "$n 'e#seb$# i be#b$$i

ko'$ bes$# i Inonesi$, Di '$un 202. k#ei' un'uk se%en keil 'u%bu sebes$# 3.>: $#i

R&27.7 '#iliun i '$un 20 %en!$i R&84.7 '#iliun iukun ole &e#'u%bu$n !u%l$

ebi'u# sebes$# 68.>: $#i >>,163 ebi'u# i '$un 20 %en!$i 7,36 ebi'u# i '$un

202, Un'uk lebi %enek$'i &$s$# $n %enink$'k$n &e#'u%bu$n k#ei' i '$un 202 $$


18/43

&en$%b$$n 8 ('i$) Sen'#$ K#ei' Keil "$i'u SKC T$n$ Ab$n. SKC *$'$#$% $n SKC

P$lu sein$ 'o'$l SKC %en!$i 64 SKC, *$"o#i'$s k#ei' se%en keil is$lu#k$n ke

sek'o# &e#$$n$n. #es'o#$n $n o'el. %en$ku& 6.3: $#i 'o'$l &l$/on k#ei', Se%en'$#$

i'u. ouk unul$n B$nk un'uk se%en ini $$l$ o#$% &e%e#in'$ K#ei' Us$$

R$k"$' (KUR) $n k#ei' o#$% &e%e#in'$ l$inn"$,

TAN 2013

Se%en keil BNI %en$n$ni &e%in!$%$n k#ei' in$ 0 %ili$# un'uk n$s$b$ ini9iu

$n in$ 6 %ili$# un'uk n$s$b$ #u& 'e#%$suk K#ei' Us$$ R$k"$' (KUR), Se%en

Us$$ Keil BNI %en$n$ni 0.: &e#'u%bu$n k#ei' $#i R&84.7 '#iliun %en!$i R&81,4

'#iliun &$$ 208. %e-$kili 6.8: $#i 'o'$l k#ei' B$nk, P$$ '$un 208. BNI %en"$lu#k$n

KUR sebes$# R&8.2 '#iliun. %$k$ 'o'$l k#ei' is$lu#k$n %en$&$i lebi $#i R&8,7 '#iliun,

*$"o#i'$s &in!$%$n un'uk us$$ keil i&e#&$n!$n un'uk &e#$$n$n. #es'o#$n o'el

sek'o#. "$n %e-$kili 68.8: $#i 'o'$l k#ei' un'uk us$$ keil. iiku'i ole k#ei' un'uk

l$"$n$n bisnis $n sek'o# %$nu/$k'u#. %$sin;%$sin %en"u%b$n 3.3: $n 7.6: $#i

'o'$l k#ei' un'uk us$$ keil &$$ '$un 208, P$$ '$un 208. B$nk %en$%b$k$n >

Bisnis Sen'#$ K#ei' b$#u Keil (SKCs) i B$n$ Ae. 5$%bi. Ku&$n. P$lu. T$n$ Ab$n.

*$'$#$%. $n Ken$#i, P$$ $ki# 208. se%en Us$$ Keil BNI io&e#$sik$n 61 SKCs $n

14 be#i#i K$n'o# C$b$n Seni#i (STA) i ko'$;ko'$ bes$# i selu#u Inonesi$,

TAN 201&

BNI !u$ be#ko%i'%en $l$% &ene%b$n$n &enus$$ keil %el$lui %el$lui 61 Sen'#$

K#ei' Keil (SKC). Uni' K#ei' Keil (UKC) $n iukun ole k$n'o# $b$n "$n

'e#seb$# i selu#u Inonesi$, Di '$un 204. &in!$%$n b$i se%en keil %en$&$i sebes$#

R&8>. '#iliun. 'u#un 8.6: $#i &en$&$i$n '$un 208 sebes$# R&81.4 '#iliun. se#'$

%en"u%b$n sebes$# 8.8: $#i 'o'$l k#ei' BNI, D$#i 'o'$l k#ei' se%en keil. sebes$#

R&2>.2 '#iliun $'$u >8.8: %e#u&$k$n K#ei' *o$l Ke#!$. se$nk$n sis$n"$ sebes$# R&7.7

'#iliun $'$u 23.>: %e#u&$k$n K#ei' In9es'$si, *$"o#i'$s k#ei' b$i us$$ keil is$lu#k$n

ke sek'o# &e#$$n$n bes$# $n ee#$n sebes$# 62.6:. iiku'i &en"$lu#$n ke sek'o#

Kons'#uksi $n Pe#'$ni$n. %$sin;%$sin sebes$# 3.4: $n 3.0: $#i 'o'$l &in!$%$n us$$

keil i '$un 204, Se!$l$n en$n iben'ukn"$ Ke%en'e#i$n Kel$u'$n $n Pe#ik$n$n &$$

K$bine' Ke#!$ P#esien 5oko ioo. BNI !u$ /okus &$$ us$$ ke%$#i'i%$n %el$lui

&e%bi$"$$n &e#ik$n$n $n kel$u'$n &$$ us$$ keil $n $'$s ko%i'%en 'e#sebu' BNI


19/43

%e%&e#ole &en$#$$n Aib$k'i *in$ B$$#i $#i Ke%en'e#i$n Pe#ik$n$n &$$ '$n$l 4

Dese%be# 204 ke&$$ BNI Te$l,

TAN 201'

Pin!$%$n "$n ibe#ik$n seb$$i lini bisnis 'e#&en'in &e#us$$$n be#kon'#ibusi 'e#$$&

&enink$'$n 'o'$l $se' sebes$# 34.: en$n &e#'u%bu$n "$n %en$&$i R&41.6 '#iliun

$'$usebes$# >.6:, Pe#'u%bu$n &in!$%$n "$n ibe#ik$n i '$un 206 uku& $#esi/ bil$

ib$nin$nen$n '$un 204 "$n $n"$ 'u%bu 0,1: %en!$i sebes$# R&2>>.3 '#iliun,

Ko%&osisi &in!$%$n "$n ibe#ik$n 'e#i#i $#i se%en ko#&o#$si 42.8:. iiku'i se%en

keil $n %enen$ 21.3:. se#'$ se%en konsu%e# sebes$# >.3: $#i 'o'$l &in!$%$n "$n

ibe#ik$n, Sel$in i'u. &in!$%$n "$n ibe#ik$n !u$ is$lu#k$n i lu$# nee#i en$n

Ko%&osisi 3.0: se#'$ &e#us$$$n $n$k "$n %e%iliki ko%&osisi 6.6:, Se%en ko#&o#$si

%en$l$%i &e#'u%bu$n sebes$# 6.2: $'$u R&1.2 '#iliun. "$n %enink$' $#i R&7.>

'#iliun i Dese%be# 204 %en!$i R&8>.7 '#iliun i Dese%be# 206, P$$ se%en %enen$

!u$ 'e#!$i &e#'u%bu$n sebes$# 23.1: $#i R&40.8 '#iliun i '$un 204 %en!$i R&6.

'#iliun i 206, Se$nk$n se%en keil %en$l$%i &enink$'$n 4.2:, Pe#'u%bu$n !u$

'e#!$i i se%en Konsu%e# sebes$# 0.3: $'$u sebes$# R&6.6 '#iliun $#i R&62.0 '#iliun i

Dese%be# 204 %en!$i R&6>.6 '#iliun &$$ Dese%be# 206, Pin!$%$n lu$# nee#i 'u%bu

sini/ik$n sebes$# 78.1: ib$nink$n en$n '$un 204 $#i R&0.0 '#iliun %en!$i

R&7.6 '#iliun i '$un 206 Sel$in i'u. &e#us$$$n $n$k BNI !u$ %en$'$' &e#'u%bu$n

1.6: sein$ kon'#ibusin"$ %en!$i 6.6: $#i 'o'$l &in!$%$n "$n ibe#ik$n,

2. ANAL++ AKNTAN+ PT N T9


20/43

D$l$% $n$lisis ini. k$%i 'i$k %ene%uk$n is'o#si $kun'$nsi "$n il$kuk$n

%$n$!e#, Se'i$& kebi!$k$n $kun'$nsi "$n i'e#$&k$n &$$ PT BNI Tbk se%u$n"$

'el$ i!el$sk$n &$$ l$&o#$n C$LK, D$l$% li%$ '$un 'e#$ki#. selu#u '#$ns$ksi

"$n s$%$ i&e#l$kuk$n en$n %enun$k$n kebi!$k$n $n &ili$n $kun'$nsi "$n

s$%$ &ul$,


21/43

2012 2013 sel$s$h

;resentase

ena$an=

(;enurunan)

La9a O;eras$nal 1.34.028 .21.108 2.6>>.>10

27,1811447

Pena;atan uan

O;eras$nal>Net

261.687 67.832 77.>>>>,04

La9a +e9elu< e9an

Pa?a

1.177.632 .2>1.36 2.8>1.30823,>8

e9an ;a?a

(.16.200)

(2.220.224)

837.024;7,78

La9a Tahun er?alan >.041.832 7.06>.74 2.007.6>7

21,6

Pena;atan K 2.367.146

>24,43

La9a K.202.304 3.248.164 761.>60

8,8

ANAL++ : antn

2013 201& sel$s$h

;resentase

ena$an=

(;enurunan

)

La9a O;eras$nal

.21.108 8.843.27 2.2>.411 1,73

Pena;atan uan

O;eras$nal>Net

67.832 >1.07 1.36> 77,17

La9a +e9elu< e9an

Pa?a

.2>1.36 8.624.80 2.243.46 7,72

e9an ;a?a (2.220.224)

(2.374.78)

(4>4.>0>) 2,81

La9a Tahun er?alan

7.06>.74 0.127.8>7 .>>.481 7,63

Pena;atan

K .016.868 (.>21.>84) ;3,48

La9a K82 6.3>0.1>1 70,12

ANAL++ : ara

H$l$% !u'$$n #u&i$


22/43

201& 201' sel$s$h

;resentase

ena$an=

(;enurunan)

La9a O;eras$nal

8.843.27 .42.01 .784.204,47

Pena;atan uan

O;eras$nal>Net

>1.07 64.03> 28.762

37,38

La9a +e9elu< e9an

Pa?a

8.624.80 .433.41 2.061.32

6,22

e9an ;a?a

(2.374.78)

(2.826.33)

837.86;8,>0

La9a Tahun er?alan 0.127.8>7 7.40.682 .311.14>

6,30

Pena;atan K22.06 0.383.332710,02

La9a K82 20.132.64> 1.74>.16

>6,0

ANAL++ : ara

KE+MPLAN AK! PADA ANAL++ KOMPA!AT PT ELN+A TK. :


23/43

Pe'#o/in &$$ se%en !$s$ ili# %i$s !u$ %e%b$ik en$n 'u%bu 2: &$$ ku$#'$l I

206 ini,

Be#$s$#k$n ke'e#$n$n l$&o#$n keu$n$n PT Elnus$ Tbk. &e# 8 Dese%be# 204.

Elnus$ %$si %e%&e#'$$nk$n &e#'u%bu$n &en$&$'$n us$$ sebes$# 2.> &e#sen $'$u

%en!$i R& 4.2 '#iliun, L$b$ be#si &e# s$$% &un $k$n %enink$' $#i sebelu%n"$ R&

82.1 %en!$i R& 63.6,U&$"$ &enink$'$n &en$&$'$n us$$. %$n$!e%en !u$ %el$kuk$n

u&$"$ e/isiensi i 'ink$' bi$"$ $n o&'i%$lis$si k$s &osi'i/ "$n $$, .242.618 1.34.028 .21.108 8.843.27 .42.01

Pena;atan uan

O;eras$nal>Net

21.>26 261.687 67.832 >1.07 64.03>

La9a +e9elu< e9an

Pa?a

>.43.801 1.177.632 .2>1.36 8.624.80 .433.41

e9an ;a?a (.368.070) (.16.200) (2.220.224) (2.374.78) (2.826.33)


24/43


25/43

ANAL++ LAPO!AN KEANAN OMMON +@E PT N T9 .

Anal$s$s La;ran Keuanan .420.43 1.24.22 7.811.847 0.812.1> .7>4.711

Beb$n

o&e#$sion$l

l$inn"$

(2.480.662) ;212>023

(6.671.333)

(7.1>.310)

(20.270.842)

Pen$&$'$n non

o&e#$sion$l J

ne'o

82.21 261.34 68.812 >4.602 86.007

Pe%b$"$#$n

&$!$k

&en$sil$n

2.101.481 (.621.8>0)

(2.111.816)

(8.80.10)

(8.4>0.770)


26/43

b$$n $n

'$i$n &$!$k

Pe%b$"$#$n

&$!$k /in$l $'$s

#e9$lu$si $se'

'e'$&

(70.84)

A#us k$s

sebelu%

&e#ub$$n

$l$% $se' $n

li$bili'$s o&e#$si

6.227.620 7.344.160 7.>>2.8> 0.447.67 4.07>.83

Pe#ub$$n

$l$% $se' $n

li$bili'$s

o&e#$si

(Ken$ik$n)

&enu#un$n $se'

o&e#$si

Pene%&$'$n

&$$ B$nk l$in

$n B$nkInonesi$

(8.117.313)

8.610.207 0.782 (.4.>06)

(.018.877)

Su#$'; su#$'

be#$#$ $n

obli$si

&e%e#in'$ "$n

iuku# &$$

nil$i -$!$#

%el$lui l$&o#$n

l$b$ #ui

7.324

E/ek;e/ek $n

obli$si

&e%e#in'$ "$n

iuku# &$$

nil$i -$!$#

%el$lui l$&o#$n

l$b$ #ui

(83.82) 764.830

(.201.662) ;.80.064

E/ek;e/ek "$n


27/43

ibeli en$n

!$n!i i!u$l

ke%b$li

(.173.663) (4.840.100) 6.13.4

esel eks&o#

$n '$i$n

l$inn"$

(713.218)

7>0.43 (610.062)

.7.77 (3.666.46)

Pin!$%$n "$n

ibe#ik$n (2>.>3.434)

(47.176.681)

(23.714.481)

(41.412.131)

T$i$n

$kse&'$si

(8>.201.112)

(.8>>.8>)

(712.476)

.38.340

Beb$n ib$"$#

i%uk$

(283.444)

(3>.80)

(>.7)

(240.877)

Ase' l$in;l$in

(8.02)

44.66 46.166 00.862 (66.>86)

Ken$ik$n

(&enu#un$n)

li$bili'$s

o&e#$sion$l

Li$bili'$s see#$

124.118 634.871 (736.>2>)

68.76 (>.6>)

Si%&$n$n

n$s$b$

83.72.063

23.836.0 82.>0.446 >.624.166 68.3>2.0>

Si%&$n$n $#i

b$nk l$in

8.372.>>1 (8.>>8.213)

(243.371)

(46.6>0)

.143.1>

Beb$n "$n

%$si $#us

ib$"$#

610.1>3 (44.46>) >3.31> 26>.68>

I%b$l$n ke#!$

4.47 83.7 87.76 81.46

Li$bili'$s

$kse&'$si

46.467 .6>4.4> 237.38 (210.846)

U'$n &$!$k 21.>60 (471)

(0.>78)

3.143

Li$bili'$s l$in;

l$in

617.>47 (23.017)

138.861 (66.723)

2.6.6>8

Ken$ik$n $n$

s"i#k$

'e%&o#e#

2.246.84> 4.116.738 8.026.348

Kas nett

$unaan

untu e$atan

1'C3"&C1'6 6C-&"C&'- (6C-03C202)

(610C370)

20C730C'13


28/43

;eras$

Be#$s$#k$n '$bel i$'$s $&$' ki'$ ke'$ui b$-$ k$s be#si "$n i&e#ole PT, BANK BNI

Tbk $#i $k'i9i'$s o&e#$si %en$l$%i /luk'u$si "$n sini/ik$n $#i '$un 20 in$ '$un

206, *eski&un sel$%$ li%$ &e#ioe &ene#i%$$n bun$. $sil in9es'$si. o9isi $n ko%isi

se#'$ &en$&$'$n s"$#i$ $n &en$&$'$n o&e#$sion$l l$inn"$ %enink$' n$%un. &e%b$"$#$n

bun$. beb$n s"$#i$ $n &e%bi$"$$n l$inn"$ $n beb$n o&e#$sion$l l$inn"$ !u$ iku'

%enink$', 80.68,

An$lisis %onik

2, A#us K$s Ak'i9i'$s In9es'$si

A!+ KA+ DA!

KEATAN

N4E+TA+

2011 2012 2013 201& 201'

Pe%beli$n e/ek;e/ek "$n

'e#sei$ un'uk i!u$l $n

i%iliki in$ !$'u

'e%&o; Ne''o

;2.86.876 ;2.6>2.02

(2.>21.306)8.416.61

Pen!u$l$n (&e%beli$n)

su#$';su#$' be#$#$ "$n

'e#sei$ un'uk i!u$l $ni%iliki in$ !$'u

'e%&o; Ne'o

6.70.40 .3>7.>74

Pe%beli$n obli$si

&e%e#in'$ "$n 'e#sei$

un'uk i!u$l $n i%iliki

in$ !$'u 'e%&o; Ne'o

(4.107.874);8.27>.312 ;3.628.67 ;4.087.>66

Pen$%b$$n $se' 'e'$&

(>1.224);.84.2 ;.612.463

(.833.237);8.022.24


29/43

&en!u$l$nF&e%beli$n e/ek

"$n ibeli en$n !$n!i

i!u$l ke%b$li

2.217.432 0 0

Pen$%b$$n &en"e#'$$n

&$$ PT B$nk *iuo

Inonesi$

;7.430

Kas Net yan

D$unaan untu

Ke$atan nestas$

488.0>7 (4.4>7.7>) (0.3>2.66>) (2.403.082)

(8.63.437)

Ta9el Arus Kas

nestas$

Tahun AK Kena$an AK

200 ;00602 ;

20 ;66817 ;468817

202 ;1>021 433138

208 40132 2>170

204 ;86416 ;87604>

T$un 200

D$#i '$bel i$'$s. ki'$ $&$' li$' b$-$ &$$ T$un 200. 'e#!$i $#us k$s kelu$# &$$

$k'i9i'$s in9es'$si PT, Elnus$,Tbk "$i'u sebes$# (00,602),


30/43

T$un 20

D$#i '$bel i$'$s. ki'$ $&$' li$' b$-$ &$$ T$un 20. 'e#!$i &enink$'$n "$n

uku& sini/ik$n "$i'u lebi $#i 60: &$$ $#us k$s kelu$# $k'i9i'$s in9es'$si PT, Elnus$,Tbk

"$i'u sebes$# (668,17),


31/43

Se$#$ keselu#u$n. %el$lui &en!$b$#$n i $'$s bis$ ki'$ li$' $#us k$s in9es'$si PT

Elnus$ Tbk $l$% konisi ku#$n b$ik %eski&un &$$ '$un 208 $$ &enink$'$n %en!$i

sebes$# 40,132, N$%un $l$% li%$ '$un &e#ioe "$i'u 200 in$ 204 ene#un b$n"$k

$#us k$s kelu$# "$n bes$# $n belu% %en$silk$n keun'un$n "$n sini/ik$n, Den$n

&e#/o#%$ "$n ku#$n b$ik $l$% $#us k$s in9es'$si &e#us$$$n se$#usn"$ bis$ %en$ikk$n

&en$&$'$n k$s "$n $$ $#i sei in9es'$si, Pe#ub$$n;&e#ub$$n "$n 'e#!$i &$$ $#us k$s

in9es'$si '$un 200 (00,602). '$un 20 (468,817). '$un 202 (433,138). '$un 208

(2>,170). $n &$$ '$un 204 (876,04>), A#us k$s in9es'$si &e#us$$$n $l$% bebe#$&$

'$un &e#/o#%$ &e#us$$$n $$l$ ku#$n b$ik sein$ i$#$&k$n en$n in9es'$si "$n

'el$ il$kuk$n. k$s &e#us$$$n $k$n $%$n $l$% !$nk$ &$n!$n,

8, A#us K$s Pen$n$$n

A!+ KA+ DA! KEATAN

PENDANAAN2011 2012 2013 201& 201'

ken$ik$n $'$u &enu#un$n e/ek "$n

i'e#bi'k$n

4.604.11 .23>.>28>2383

&enu#un$n $'$u ken$ik$n &in!$%$n

"$n i'e#i%$ 28.737 0.200.>3 .8.83

Pe%b$"$#$n i9ien $n PKBL

(.871.2>)

(2.8.144)

(2.376.364)'#$ns$ksi en$n en'i'$s non

&enen$li

(32.132)0 0

ken$ik$n e/ek;e/ek "$n i!u$l

en$n !$n!i i!u$l ke%b$li 3>2

$kuisisi s$$% '#esu#" (>47.7>7)

Ken$ik$n e/ek;e/ek "$n i!u$l

en$n !$n!i ibeli ke%b$li

2.47.78

Ken$ik$n e/ek;e/ek "$n

i'e#bi'k$n (&enu#un$n) $'$u

ken$ik$n &in!$%$n "$n i'e#i%$ (>.>81.261)

U$n %uk$ i'e#i%$ $#i Su%i'o%o

Li/e

; 380.000

Pe%b$"$#$n beb$n o#&o#$'e $'ion

$'$s $kuisisi s$$% BNI Li/e ole

Su%i'o%o Li/e

(3.4>3)

Pene#i%$$n sis$ nil$i $kusisi s$$%

BNI Li/e ole Su%i'o%o Li/e

8.6>0.000

Pe%b$"$#$n e9ien (2.>3.804)


32/43

Ken$ik$n &in!$%$n "$n i'e#i%$ 8.02.83

Su#$' be#$#$ "$n ibeli en$n

!$n!i i!u$l ke%b$li

(2.217.432)

&e%b$"$#$n i9ien. o#$%ke%i'#$$n. $n bin$ linkun$n

(.874.610)

Ken$ik$n (&enu#un$n) su#$'

be#$#$ "$n i'e#bi'k$n

(.02.6>6)

Pen$%b$$n %o$l s$$% ;

Pen$%b$$n $io s$$%

;

Bi$"$ e%isi &ene#bi'$n s$$%

;Kas Net yan D$unaan untu

Ke$atan Penanaan (1C'-&C301)

3C067C07" > (&C&'&C107)

>

ANAL++: ;utr$

D$#i '$bel 'e#sebu' $&$' ili$' b$-$ k$s &en$n$$n PT Elnus$ &$$ 'i$ '$un

'e#$ki# (202. 208. 204) lebi b$n"$k il$kuk$n un'uk &e%b$"$#$n ($#us k$s kelu$#),

A#'in"$ $#us k$s kelu$# lebi bes$# $#i&$$ $#us k$s %$suk "$n 'e#!$i $l$% $k'i9i'$s &en$n$$n PT Elnus$ &$$ '$un;'$un 'e#sebu', P$$ '$un 200. PT Elnus$ %e%&e#ole

&in!$%$n $#i b$nk. n$%un !u$ %enelu$#k$n k$s un'uk &in!$%$n b$nk "$n il$kuk$n

&$$ &e#ioe sebelu%n"$ "$n !u%l$n"$ lebi bes$#, P$$ li%$ '$un 'e#$ki#. s$'u;s$'un"$

'$un "$n %e%be#ik$n '$%b$$n $#us k$s %$suk "$n i&e#ole $#i $k'i9i'$s &en$n$$n

$$l$ '$un 20,


33/43

20 202 208 204 206

KECUKUPAN

*ODAL

>.3 3.> 6. 3.2 7.6

R$sio keuku&$n %o$l (CAR)

&$$ Dese%be# 206 %enink$'

%en!$i 7.6: $#i 3.2: iDese%be# 204. CAR BNI i

'$un 206 !$u lebi 'ini $#i

#$sio keuku&$n %ini%u% "$n

i'e'$&k$n B$nk Inonesi$ &$$

Pe#$'u#$n B$nk Inonesi$

No%o# 6F2FPBIF208 'en'$n

Ke-$!ib$n Pen"ei$$n *o$l

*ini%u% B$nk U%u% "$kni

%ini%u% 7: $#i AT*R un'uk

b$nk en$n o/il #isiko

&e#ink$' 2, Se%$kin bes$# #$sio

CAR "$n i%iliki ole b$nk.

b$nk $k$n se%$kin %$%&u

%en"ei$k$n %o$l $l$%

!u%l$ bes$#. $l ini iseb$bk$n

$l$% &e%be#i$n k#ei' $n

&e#$$n$n seku#i'$s "$n

ikelu$#k$n ole b$nk "$n

%unkin %eni%bulk$n #esiko

"$n 'e#!$i. sein$ b$nk

%e%e#luk$n %o$l "$n s$n$'

bes$# un'uk %eni%$lisi# #esiko

"$n $k$n 'e#!$i,

!A+O P!OTALTA+

RASI

O


34/43

ROA 2.7 2.7 8.4 8.6 2.3

PT, B$nk Ne$#$ Inonesi$ Tbk

%e%iliki ROA sebes$# 8.4: &$$

208 $n 202 $$l$ sebes$# 2.7:,

*eski&un &$$ 208 se$n 'e#!$i

k#isis lob$l "$n %en"eb$bk$n nil$i

'uk$# %en!$i le%$ $n B$nk

Inonesi$ %en$ikk$n BI #$'e %en!$i

>.26: sein$ b$nk $#us

%en"esu$ik$n ne#$$ "$n $$

en$n konisi k#isis "$n se$n

'e#!$i, PT B$nk Ne$#$ Inonesi$

Tbk %$si bis$ %enink$'k$n ROA;

n"$, P$$ '$un 204 ROA %enink$'

'e'$&i 'e#!$i &enu#un$n i '$un 206

%en!$i 2.3:, Penu#un$n 'e#sebu'

sei#in en$n&enu#un$n &$$ l$b$

sebelu% &$!$k, Pe#i'un$n Re'u#n on

Asse' (ROA) se$#$ #$'$;#$'$ sel$%$ 6

(li%$) &e#ioe ike'$ui be#$$ i$'$s

s'$n$# an nnes$a (0C'B

>1C2'B) "$n be#$#'i PT BNI Tbk

ik$'$k$n se$' $#i sisi ROA en$n

#$'$;#$'$ 6.8:. k$#en$ $$n"$

ke%$%&u$n %$n$!e%en b$nk

%ensilk$n ino%e $'$u &en$&$'$n

$#i &enelol$$n $se' b$nk 'e#sebu'.

i%$n$ !u%l$ o&e#$'in ino%e

i&e#ole $#i !u%l$ &en$&$'$n

bun$ $n &en$&$'$n o&e#$sion$l

l$inn"$,

Re'u#n on Eui'" (ROE) %enuku#

'ink$'&ene%b$li$n $'$s %o$l in'i,

Sei#in en$n %enu#unn"$ l$b$


35/43

ROE 20. 20.0 22.6 22.3 >.2 be#si BNI. ROE 'u#un $#i 22.3:

%en!$i >.2: &$$ Dese%be# 206,

Un'uk Re'u#n on Eui'" (ROE) se$#$

#$'$;#$'$ sel$%$ 6 (li%$) &e#ioe

ike'$ui be#$$ i$'$s stanar an

nnes$a ('B > 12C'B) "$n be#$#'i

PT BNI Tbk ik$'$k$n se$' $#i

sisi Re'u#n on Eui'" en$n #$'$;

#$'$ 20.41:. k$#en$. $$n"$

ke%$%&u$n %$n$!e%en b$nk $l$%

%enelol$ eui'" $&i'$l "$n $$

un'uk %en$&$'k$n ne' ino%e,

NI* 3.0 6.7 3.2 3.8 3.4 *$#in bun$ be#si (Ne' In'e#es'

*$#in) $#i '$un ke '$un se%$kin

%enink$' -$l$u&un &$$ '$un 202

%en$l$%i &enu#un$n sebes$# : ,

Semakin besar rasio ini maka

meningkatnya pendapatan bunga atasaktiva produktif yang dikelola

bank . Ini membuktikan saat bank

mengalami penurunan rasio NIM

namun berhasil menstabilkannya

lagi.

Kual$tas Aset ter$r$ ar$ ras$

RASIO: i Dese%be# 206, Un'uk


36/43

NPL 8.3 2.1 2.2 2.0 2.>

%en$n'isi&$si &enink$'$n &$$

NPL. BNI %ene#$&k$n insi&

konse#9$'i/ o$k'i/ en$n

%enink$'k$n $$n$n ke#ui$n

&enu#un$n nil$i un'uk &in!$%$n

ibe#ik$n. "$i'u $#i R&8.3 '#iliun

i '$un 204 %en!$i R&>.8 '#iliun

s$%&$i en$n Dese%be# 206,

Un'uk NPL. Di se&$n!$n '$un

206. B$nk

Inonesi$%e%&e#'$$nk$n suku

bun$ $u$n sebes$#>.6:,

S'$bili'$s BI #$'e %e%b$n'u BNI

un'uk 'e'$& %en!$$ %$#in bun$

be#si (Ne' In'e#es'*$#in) &$$

kis$#$n 3.4:, Tinin"$ BI R$'e

'i$k %e%iliki $%&$k l$nsun

'e#$$& ku$li'$s $se' BNI. $l inii'un!ukk$n en$n n$ikn"$ #$sio

&in!$%$n be#%$s$l$ (Non

Pe#/o#%in Lo$n) $#i '$un

sebelu%n"$ sebes$# 2.0: %en!$i

2.>:,

CO@ERAG

E RASIO

20.1 28.0 21.6 80. 40.

4

D$l$% #$nk$ %en$n'isi&$sikonisi ekono%i $n ke'i$k&$s'i$n

uni$ us$$ Inonesi$ seb$$i

$kib$' konisi ekono%i se$#$

lob$l. BNI 'el$ %el$kuk$n

&en$$n$n "$n uku& un'uk

%en$n'isi&$si &in!$%$n "$n

be#%$s$l$,


37/43

"$n se%ul$ 80.: &$$ '$un

204 %en!$i 40.4: i '$un

206. se!$l$n en$n

kebi!$k$n%$n$!e%en $l$% $l

%i'i$si #isiko

!A+O E+EN+

RASI

O

2.3 >.0 3>. 31.0 >6.>

R$sio BOPO (Beb$n O&e#$sion$l

'e#$$&Pen$&$'$n O&e#$sion$l)

%en$l$%i /luk'u$si sel$%$ li%$

&e#ioe. %enu#un &$$ '$un 208

$n '$un 204 ke%ui$n %enink$'

$#i 31.0: i Dese%be# 204

%en!$i >6.>: i Dese%be# 206,

Se%$kin keil #$sio ini be#$#'i

se%$kin e/isien bi$"$ o&e#$sion$l

"$n ikelu$#k$n le%b$$ keu$n$n

"$n be#s$nku'$n sein$

ke%unkin$n su$'u le%b$$

keu$n$n $l$% konisi be#%$s$l$

se%$kin keil, P$$ '$un 208 #$sio

BOPO 3>. n$%un n$ik %en!$i

31.0 &$$ '$un 204 $n %enink$'

l$i %en!$i >6.> &$$ '$un 206,

Ini %e%buk'ik$n &enen$li$n "$n

ku#$n b$ik $n'$#$ bi$"$ o&e#$sion$l

en$n &en$&$'$n o&e#$sion$ln"$

k$#en$ #$sio n$ik,

Cos' 'o Ino%e R$'io (CIR) BNI

%en$l$%i /luk'u$si. i


38/43

CIR 44.2 48.1 43.> 48.1 44.2

Dese%be#206 seiki' %enink$'

ib$nink$n en$n Dese%be#

204 $#i sebelu%n"$ 48.1:

%en!$i 44.2:,

!A+O LKDTA+

RASIO


39/43

Gi#o $!ib

*ini%u%

1.0 1.0 1. 1. 7.2

%en!$$'ink$' keuku&$n

likuii'$s "$n o&'i%$l un'uk

%enukun o&e#$sion$l $#i$n $n

%e%enui ke'en'u$n B$nk

Inonesi$ %el$lui Gi#o $!ib

*ini%u% (G*), P$$ 8

Dese%be# 206. G* Ru&i$

BNI 'e#$'$' sebes$# 7.2: $n

G* @$lu'$ Asin sebes$# 1.0:,

Posisi likuii'$s ini sesu$i en$n

Pe#$'u#$n B$nk Inonesi$

No,>FFPBIF206 'en'$n

&e#ub$$n $'$s Pe#$'u#$n B$nk

Inonesi$ No%o# 6F6FPBIF208

'$n$l 24 Dese%be# 208 'en'$n

Gi#o $!ib *ini%u% D$l$%

Ru&i$ $n @$lu'$ Asin B$i

B$nk U%u% Kon9ension$l,

Posisi

De9is$

Ne'oPosisi

De9is$

Ne'o

(PDN)

2.1 2. 8.4 .3 .>

P$$ Dese%be# 206 'e#$'$' &$$

le9el .>:. #el$'i/ s'$bil bil$

ib$nink$n en$n '$un 204,

Ank$ 'e#sebu' %$si !$u i

b$-$ !u%l$ %$ksi%u% "$n

i'e'$&k$n BI &$$ Pe#$'u#$n B$nk

Inonesi$ No,2F0FPBIF200

'en'$n Pe#ub$$n Ke'i$ $'$s

Pe#$'u#$n B$nk Inonesi$ No%o#

6F8FPBIF2008 'en'$n Posisi

De9is$ Ne'o B$nk U%u%. "$i'u

sebes$# 20: $#i %o$l,

9. Anal$s$s Eu$tas $ta


40/43

o Pryes$ Nera*a

NE!AA PT.ELN+A

200 20 202 208 204

Aset Lan*ar

2,0>7,87

2,4>3,6>

2,80,86

3

2,472,2

7

2,283,33

1

Aset Teta; an Pr;ert$ nestas$>

9ers$h

,8>2,36

6

,46>,4

6

,278,48

7

,014,>6

0

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4

/u

4,8>0,73

4

4,246,>0

4L$a9$l$tas /ana Pene

,218,10

7

,71>,>>

>

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0

,630,7

>

,8>1,8

L$a9$l$tas /ana Pan?an

463,0 47>,841 636,132 626,368 214,87>

/u87,7

7

2,416,2

6

2,262,8

2

2,016,16

0

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1

tan er9una

127,0>6 ,082,66

736,248 >34,868 486,334

Eu$tas

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0

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6

2,042,24

6

2,216,

4

2,612,77

3

Mal Ker?a>9ers$h

>76,612 411,>74 328,703 782,022 161,86>

/u.00: 67.>0: 32.80:

Per;utaran Ttal Aset 4.0: 0>.40: .20: 74.0: 77.40:

0: ;.00: 8.00: 6.40: 7.>0:


41/43

tan er9una=ETDA 0.40: 8.40: .30: .80: 0.>0:

ETDA=e9an una 0.70: 8.10: 1.10: 8.>0: 7.30:

/u0: .80: .0: 0.70: 0.30:

/u


42/43


43/43

*$#in L$b$ Ko'o# 81: 86,>0: ,60: 3: 7,70:

Beb$n Bun$ F U'$n !$nk$ &$n!$n '$un

sebelu%n"$

7,30: ,>0: 1,10: 8,10: 0,70:

L$b$ sebelu% &$!$k 10: >3: >1: (23:) 81:

ANAL++ :

Pen!u$l$n '$#e' 'u%bu $n'$#$ .>: $n 8: &e#'$un, Ki'$ $su%sik$n b$-$

&en!u$l$n $k$n 'u%bu &$$ '$un 208 in$ '$un 204 sebes$# 6.4 : se#'$ 7.>:,

Se$nk$n %$#in ko'o# ene#un %en$l$%i &enink$'$n "$n uku& sini/ik$n &$$

'$un 208 in$ 204 "$kni lebi $#i 60: ib$nink$n en$n '$un 202 $n

sebelu%n"$, *$#in l$b$ ko'o# sebes$# 7.7: $#i &en!u$l$n &$$ '$un 200 se&$'

%en$l$%i &enu#un$n &$$ '$un 20 "$i'u 3: $n %enink$' &$$ '$un 202 $n 208

"$i'u sebes$# .6: $n 86.>:, Un'uk 'u!u$n o"eksi. i$su%sik$n %$#in l$b$ ko'o#

'e#b$#u sebes$# 81:, P$$ $k'ikn"$. es'i%$si %$#in l$b$ ko'o# seb$i$n i&en$#ui ole

keku$'$n ekono%i $n 'ink$' &e#s$in$n $l$% &$s$# '$#e',

P$$ '$un 200. #$sio beb$n bun$ 'e#$$& s$lo $-$l '$un u'$n be#bun$

sebes$# 0.7:, N$%un &$$ '$un;'$un sel$n!u'n"$ %en$l$%i &enink$'$n "$n 'e#us

%ene#us in$ %en$&$i &un$k &$$ '$un 204 "$i'u sebes$# 7.3:,

bni bigpro

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