1.

Current Ratio

2016
Curre
Bank Pembangunan Daerah Jawa Timur Tbk 0.39
30
PT Bank Negara Indonesia Tbk 1.31 20
10
PT Bank Rakyat Indonesia Tbk 1.20 0 0.39
PT Bank Rakyat Indonesia Agroniaga Tbk 1.19
PT Bank OCBC NISP Tbk 1.19
PT Bank Central Asia Tbk 32.12
PT Bank AGRIS IBK Indonesia Tbk 1.17
Adira Dinamika Multi Finance Tbk 1.3
Rata-Rata Industri 4.98

2018
Curre
Bank Pembangunan Daerah Jawa Timur Tbk 0.54 60
PT Bank Negara Indonesia Tbk 1.29 40
20
PT Bank Rakyat Indonesia Tbk 1.19 0 0.54
PT Bank Rakyat Indonesia Agroniaga Tbk 1.23
PT Bank OCBC NISP Tbk 1.19
PT Bank Central Asia Tbk 49.5
PT Bank AGRIS IBK Indonesia Tbk 1.14
Adira Dinamika Multi Finance Tbk 1.39
Rata-Rata Industri 7.18

2020
Curre
Bank Pembangunan Daerah Jawa Timur Tbk 0.58 60
PT Bank Negara Indonesia Tbk 1.26 40
20
PT Bank Rakyat Indonesia Tbk 1.30 0 0.58
PT Bank Rakyat Indonesia Agroniaga Tbk 1.17
PT Bank OCBC NISP Tbk 1.22
PT Bank Central Asia Tbk 47.63
PT Bank AGRIS IBK Indonesia Tbk 1.01
Adira Dinamika Multi Finance Tbk 1.61
Rata-Rata Industri 6.97

2. Cash Ratio

2016
Ca
Bank Pembangunan Daerah Jawa Timur Tbk 0.12
1.2
PT Bank Negara Indonesia Tbk 0.03 0.8
0.4
PT Bank Rakyat Indonesia Tbk 0.03 0 0.
PT Bank Rakyat Indonesia Agroniaga Tbk 0.03
PT Bank OCBC NISP Tbk 0.41
 0.8
0.4
0 0.

PT Bank Central Asia Tbk 1.24

PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0.009
Rata-Rata Industri 0.23

2018
Bank Pembangunan Daerah Jawa Timur Tbk 0.11 Ca
PT Bank Negara Indonesia Tbk 0.02 2

PT Bank Rakyat Indonesia Tbk 0.03 1

0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0.03
PT Bank OCBC NISP Tbk 0.04
PT Bank Central Asia Tbk 2.2
PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0.01
Rata-Rata Industri 0.31

2020
Ca
Bank Pembangunan Daerah Jawa Timur Tbk 0.09
1.8
PT Bank Negara Indonesia Tbk 0.03 1.2
PT Bank Rakyat Indonesia Tbk 0.03 0.6
0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0.01
PT Bank OCBC NISP Tbk 0.01
PT Bank Central Asia Tbk 1.85
PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0.25

3. Quick Ratio

2016
Q
Bank Pembangunan Daerah Jawa Timur Tbk 0.39
30
PT Bank Negara Indonesia Tbk 1.31
20
PT Bank Rakyat Indonesia Tbk 1.20
10
PT Bank Rakyat Indonesia Agroniaga Tbk 1.22 0
PT Bank OCBC NISP Tbk 1.19
PT Bank Central Asia Tbk 32.12
PT Bank AGRIS IBK Indonesia Tbk 1.17
Adira Dinamika Multi Finance Tbk 1.33
Rata-Rata Industri 4.99
 2018
Bank Pembangunan Daerah Jawa Timur Tbk 0.54
6
PT Bank Negara Indonesia Tbk 1.29
4
PT Bank Rakyat Indonesia Tbk 1.19
2
PT Bank Rakyat Indonesia Agroniaga Tbk 1.24
PT Bank OCBC NISP Tbk 1.19
PT Bank Central Asia Tbk 49.5
PT Bank AGRIS IBK Indonesia Tbk 1.14
Adira Dinamika Multi Finance Tbk 1.43
Rata-Rata Industri 7.19

2020
Bank Pembangunan Daerah Jawa Timur Tbk 0.58
6
PT Bank Negara Indonesia Tbk 1.26
4
PT Bank Rakyat Indonesia Tbk 1.20
PT Bank Rakyat Indonesia Agroniaga Tbk 1.19 2

PT Bank OCBC NISP Tbk 1.22

PT Bank Central Asia Tbk 47.63
PT Bank AGRIS IBK Indonesia Tbk 1.01
Adira Dinamika Multi Finance Tbk 1.69
Rata-Rata Industri 6.97

4. Working Capital to Total Asset Ratio

2016
Bank Pembangunan Daerah Jawa Timur Tbk -0.49
Worki
PT Bank Negara Indonesia Tbk 0.22
PT Bank Rakyat Indonesia Tbk 0.16
PT Bank Rakyat Indonesia Agroniaga Tbk 0.15
PT Bank OCBC NISP Tbk 0.97
PT Bank Central Asia Tbk 0.96 -

PT Bank AGRIS IBK Indonesia Tbk 0.14 -

Adira Dinamika Multi Finance Tbk 0.23

Rata-Rata Industri 0.29
 2018
Bank Pembangunan Daerah Jawa Timur Tbk -0.4 Work
PT Bank Negara Indonesia Tbk 0.21
PT Bank Rakyat Indonesia Tbk 0.15
PT Bank Rakyat Indonesia Agroniaga Tbk 0.18
PT Bank OCBC NISP Tbk 0.96
-
PT Bank Central Asia Tbk 0.96 -
PT Bank AGRIS IBK Indonesia Tbk 0.12
Adira Dinamika Multi Finance Tbk 0.27
Rata-Rata Industri 0.31

2020
Bank Pembangunan Daerah Jawa Timur Tbk -0.37 Wor
PT Bank Negara Indonesia Tbk 0.19
PT Bank Rakyat Indonesia Tbk 0.16
PT Bank Rakyat Indonesia Agroniaga Tbk 0.14
PT Bank OCBC NISP Tbk 0.97
PT Bank Central Asia Tbk 0.96
PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0.36
Rata-Rata Industri 0.30
Current Rasio 2016
30 32.12
20
10
1.31 1.20 1.19 1.19 1.17 1.3 4.98
0 0.39

Current Rasio 2018

60
49.5
40
20
1.29 1.19 1.23 1.19 1.14 1.39 7.18
0 0.54

Curre nt Rasio 2020

60
47.63
40
20
1.26 1.30 1.17 1.22 1.01 1.61 6.97
0 0.58

Cash Rati o 20 16
1.2 1.24
0.8
0.4 0.41
0.23
0 0.12 0.03 0.03 0.03 0.01 0.009
0.8
0.4 0.41
0.23
0 0.12 0.03 0.03 0.03 0.01 0.009

Cash Rati o 2018

2 2.2

1
0.31
0 0.11 0.02 0.03 0.03 0.04 0.01 0.01

Cash Rati o 2020

1.8 1.85
1.2
0.6
0.25
0 0.09 0.03 0.03 0.01 0.01 0.01 0

Quick Rati o 2016

30 32.12
20
10
4.99
0 0.39 1.31 1.20 1.22 1.19 1.17 1.33
 Quick Rati o 2018
60
49.5
40
20
7.19
0 0.54 1.29 1.19 1.24 1.19 1.14 1.43

Quick Rati o 2020

60
47.63
40
20
6.97
0 0.58 1.26 1.20 1.19 1.22 1.01 1.69

Working Capital to Total Asset

Rati o 2016
1 0.97 0.96
0.6
0.29
0.2 0.22 0.16 0.15 0.14 0.23
-0.2
-0.49
-0.6
Working Capital to Total Asset
Rati o 2018
1 0.96 0.96
0.6
0.2 0.21 0.18 0.27 0.31
0.15 0.12
-0.2
-0.4
-0.6

Working Capital to Total Asset

Rati o 2020
1 0.97 0.96
0.6
0.36 0.30
0.2 0.19 0.16 0.14
0.01
-0.2
-0.37
-0.6
 2017 Current Ras
Bank Pembangunan Daerah Jawa Timur Tbk 0.47
PT Bank Negara Indonesia Tbk 1.30 45
30
PT Bank Rakyat Indonesia Tbk 1.19 15
1.30 1.1
PT Bank Rakyat Indonesia Agroniaga Tbk 1.22 0 0.47

PT Bank OCBC NISP Tbk 1.18

PT Bank Central Asia Tbk 44.64
PT Bank AGRIS IBK Indonesia Tbk 1.16
Adira Dinamika Multi Finance Tbk 1.37
Rata-Rata Industri 6.57

2019
Curre nt Ra
Bank Pembangunan Daerah Jawa Timur Tbk 0.58
PT Bank Negara Indonesia Tbk 1.32 60
40
PT Bank Rakyat Indonesia Tbk 1.21
20
PT Bank Rakyat Indonesia Agroniaga Tbk 1.19 0 0.58 1.32 1.2

PT Bank OCBC NISP Tbk 1.21

PT Bank Central Asia Tbk 55.14
PT Bank AGRIS IBK Indonesia Tbk 1.18
Adira Dinamika Multi Finance Tbk 1.47
Rata-Rata Industri 7.91

2017 Cash Rati o

Bank Pembangunan Daerah Jawa Timur Tbk 0.13 1.8
1.2
PT Bank Negara Indonesia Tbk 0.02 0.6
PT Bank Rakyat Indonesia Tbk 0.03 0 0.13 0.02 0.03

PT Bank Rakyat Indonesia Agroniaga Tbk 0.04

PT Bank OCBC NISP Tbk 0.05
 0.6
0 0.13 0.02 0.03

PT Bank Central Asia Tbk 1.77

PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0.01
Rata-Rata Industri 0.2575

2019
0.13
Cash Rati o
Bank Pembangunan Daerah Jawa Timur Tbk 3
PT Bank Negara Indonesia Tbk 0.03 2
PT Bank Rakyat Indonesia Tbk 0.03 1
0 0.13 0.03 0.03
PT Bank Rakyat Indonesia Agroniaga Tbk 0.02
PT Bank OCBC NISP Tbk 0.02
PT Bank Central Asia Tbk 2.43
PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0.01
Rata-Rata Industri 0.34

2017 Quick R
Bank Pembangunan Daerah Jawa Timur Tbk 0.47 50
40
PT Bank Negara Indonesia Tbk 1.3 30
PT Bank Rakyat Indonesia Tbk 1.19 20
10
PT Bank Rakyat Indonesia Agroniaga Tbk 1.25 0 0.47 1.3

PT Bank OCBC NISP Tbk 1.18

PT Bank Central Asia Tbk 44.64
PT Bank AGRIS IBK Indonesia Tbk 1.16
Adira Dinamika Multi Finance Tbk 1.4
Rata-Rata Industri 6.57375
 2019 Quick R
Bank Pembangunan Daerah Jawa Timur Tbk 0.58 60
PT Bank Negara Indonesia Tbk 1.32 40
PT Bank Rakyat Indonesia Tbk 1.21 20
PT Bank Rakyat Indonesia Agroniaga Tbk 1.21 0 0.58 1.32
PT Bank OCBC NISP Tbk 1.21
PT Bank Central Asia Tbk 55.14
PT Bank AGRIS IBK Indonesia Tbk 1.18
Adira Dinamika Multi Finance Tbk 1.51
Rata-Rata Industri 7.92

2017 Working Capital t

Bank Pembangunan Daerah Jawa Timur Tbk -0.44 2
PT Bank Negara Indonesia Tbk 0.22 1
PT Bank Rakyat Indonesia Tbk 0.15 0.6
PT Bank Rakyat Indonesia Agroniaga Tbk 0.18 0.2 0.22 0
PT Bank OCBC NISP Tbk 0.97 -0.2
-0.44
-0.6
PT Bank Central Asia Tbk 0.96
PT Bank AGRIS IBK Indonesia Tbk 0.14
Adira Dinamika Multi Finance Tbk 0.26
Rata-Rata Industri 0.31
 2019
Bank Pembangunan Daerah Jawa Timur Tbk -0.36
Working Capital t
PT Bank Negara Indonesia Tbk 0.23
2
PT Bank Rakyat Indonesia Tbk 0.17 1
0.6
PT Bank Rakyat Indonesia Agroniaga Tbk 0.16
0.2 0.23 0
PT Bank OCBC NISP Tbk 0.97 -0.2
-0.36
PT Bank Central Asia Tbk 0.96 -0.6
PT Bank AGRIS IBK Indonesia Tbk 0.14
Adira Dinamika Multi Finance Tbk 0.31
Rata-Rata Industri 0.32
Current Rasio 2017

45 44.64
30
15
1.30 1.19 1.22 1.18 1.16 1.37 6.57
0 0.47

Current Rasio 2019

60 55.14
40
20
1.32 1.21 1.19 1.21 1.18 1.47 7.91
0 0.58

Cash Rati o 2017

1.8 1.77
1.2
0.6
0.2575
0 0.13 0.02 0.03 0.04 0.05 0.01 0.01
0.6
0.2575
0 0.13 0.02 0.03 0.04 0.05 0.01 0.01

Cash Rati o 2019

3
2.43
2
1
0.34
0 0.13 0.03 0.03 0.02 0.02 0.01 0.01

Quick Rati o 2017

50
44.64
40
30
20
10 6.57375
0 0.47 1.3 1.19 1.25 1.18 1.16 1.4
 Quick Rati o 2019
60 55.14
40
20
7.92
0 0.58 1.32 1.21 1.21 1.21 1.18 1.51

Working Capital to Total Asset Rati o

2017
1 0.97 0.96
0.6
0.2 0.22 0.18 0.26 0.31
0.15 0.14
-0.2
-0.44
-0.6
Working Capital to Total Asset Rati o
2019
1 0.97 0.96
0.6
0.2 0.23 0.31 0.32
0.17 0.16 0.14
-0.2
-0.36
-0.6
1. Total Debt to Total Assets Ratio

2016 Total De bt to Total Asse ts Rati o

Bank Pembangunan Daerah Jawa Timur Tbk 0.83 2016
PT Bank Negara Indonesia Tbk 0.85 0.85 0.85 0.85 0.86 0.86
0.84
0.82 0.83 0.83 0.83
PT Bank Rakyat Indonesia Tbk 0.85 0.79
0.82

PT Bank Rakyat Indonesia Agroniaga Tbk 0.83

PT Bank OCBC NISP Tbk 0.86
PT Bank Central Asia Tbk 0.83
PT Bank AGRIS IBK Indonesia Tbk 0.86
Adira Dinamika Multi Finance Tbk 0.82
Rata-Rata Industri 0.84

2018 Total De bt to Total Asse ts Rati o

Bank Pembangunan Daerah Jawa Timur Tbk 0.86 20 18
PT Bank Negara Indonesia Tbk 0.86 0.84 0.86 0.86 0.86
0.81
0.86
0.81
0.87
0.84
0.78 0.78
PT Bank Rakyat Indonesia Tbk 0.86 0.72
PT Bank Rakyat Indonesia Agroniaga Tbk 0.81
PT Bank OCBC NISP Tbk 0.86
PT Bank Central Asia Tbk 0.81
PT Bank AGRIS IBK Indonesia Tbk 0.87
Adira Dinamika Multi Finance Tbk 0.78
Rata-Rata Industri 0.84

2020
Total De bt to Total A sse ts Rati o
Bank Pembangunan Daerah Jawa Timur Tbk 0.88
2020
PT Bank Negara Indonesia Tbk 0.87 0.8 0.88 0.87 0.87 0.85 0.86 0.82 0.81 0.73 0.84
PT Bank Rakyat Indonesia Tbk 0.87 0.4
0
PT Bank Rakyat Indonesia Agroniaga Tbk 0.85
PT Bank OCBC NISP Tbk 0.86
PT Bank Central Asia Tbk 0.82
 0.4
0

PT Bank AGRIS IBK Indonesia Tbk 0.81

Adira Dinamika Multi Finance Tbk 0.73
Rata-Rata Industri 0.84

2. Total Debt to Total Equity Ratio

2016
Total Debt to Total Equity Rati o
Bank Pembangunan Daerah Jawa Timur Tbk 9.59 2016
PT Bank Negara Indonesia Tbk 56.74 200 227

PT Bank Rakyat Indonesia Tbk 95.83 100

56.74
95.83 82.76 61.21
0 9.59 6.16 4.97 6.63
PT Bank Rakyat Indonesia Agroniaga Tbk 6.16
PT Bank OCBC NISP Tbk 82.76
PT Bank Central Asia Tbk 4.97
PT Bank AGRIS IBK Indonesia Tbk 6.63
Adira Dinamika Multi Finance Tbk 227
Rata-Rata Industri 61.21

2018
Total De bt to Total Equity Rati o
Bank Pembangunan Daerah Jawa Timur Tbk 14.48 2018
PT Bank Negara Indonesia Tbk 77.11 300
245
200
PT Bank Rakyat Indonesia Tbk 125.47 100 77.11
125.47
52 66.77
0 14.48 8.85 4.4 6.88
PT Bank Rakyat Indonesia Agroniaga Tbk 8.85
PT Bank OCBC NISP Tbk 52
PT Bank Central Asia Tbk 4.4
PT Bank AGRIS IBK Indonesia Tbk 6.88
Adira Dinamika Multi Finance Tbk 245
Rata-Rata Industri 66.77

2020
Bank Pembangunan Daerah Jawa Timur Tbk 19.61 Total Debt to Total Equity Rati o
2020
200 213
136.95
100 85.97 67.51
61.53
0 19.61 11.12 4.79 7.09
 Total Debt to Total Equity Rati o
2020
PT Bank Negara Indonesia Tbk 85.97
200 213
PT Bank Rakyat Indonesia Tbk 136.95 100 85.97
136.95
61.53 67.51
0 19.61 11.12 4.79 7.09
PT Bank Rakyat Indonesia Agroniaga Tbk 11.12
PT Bank OCBC NISP Tbk 61.53
PT Bank Central Asia Tbk 4.79
PT Bank AGRIS IBK Indonesia Tbk 7.09
Adira Dinamika Multi Finance Tbk 213
Rata-Rata Industri 67.51

3. Long Term Debt to Total Equity Ratio

2016
Long Te rm De bt to Total Equity
Bank Pembangunan Daerah Jawa Timur Tbk 0.29 Rati o 2016
PT Bank Negara Indonesia Tbk 8.35 20 19.13
PT Bank Rakyat Indonesia Tbk 6.22 10 8.35 6.22 4.97 5.12
0 0.29 0.07 1.77 0.13
PT Bank Rakyat Indonesia Agroniaga Tbk 0.07
PT Bank OCBC NISP Tbk 1.77
PT Bank Central Asia Tbk 4.97
PT Bank AGRIS IBK Indonesia Tbk 0.13
Adira Dinamika Multi Finance Tbk 19.13
Rata-Rata Industri 5.12

2018
Long Te rm De bt to Total Equity
Bank Pembangunan Daerah Jawa Timur Tbk 0.25 Rati o 2018
PT Bank Negara Indonesia Tbk 11.08 30
24.4
20
PT Bank Rakyat Indonesia Tbk 7.79 10 11.08 7.79
4.3 6.17
0 0.25 0.07 1.33 0.15
PT Bank Rakyat Indonesia Agroniaga Tbk 0.07
PT Bank OCBC NISP Tbk 1.33
PT Bank Central Asia Tbk 4.3
PT Bank AGRIS IBK Indonesia Tbk 0.15
Adira Dinamika Multi Finance Tbk 24.4
Rata-Rata Industri 6.17

2020
Long Te rm De bt to Total Equity
Bank Pembangunan Daerah Jawa Timur Tbk 0.33 Rati o 2 020
PT Bank Negara Indonesia Tbk 11.65 45
30
39.66

PT Bank Rakyat Indonesia Tbk 10.97 15

0 0.33
11.65 10.97
0.11 2.44 4.68 0.09
8.74

PT Bank Rakyat Indonesia Agroniaga Tbk 0.11

PT Bank OCBC NISP Tbk 2.44
PT Bank Central Asia Tbk 4.68
PT Bank AGRIS IBK Indonesia Tbk 0.09
Adira Dinamika Multi Finance Tbk 39.66
Rata-Rata Industri 8.74

4. Time Interest Earned Ratio

2016
Time I nte rest Earned Rati o 2016
Bank Pembangunan Daerah Jawa Timur Tbk 1 9000
7868.21
PT Bank Negara Indonesia Tbk 0.67 6000
3000
PT Bank Rakyat Indonesia Tbk 0.65 0 1 0.67 0.65 0.23 0.5 0.03 0.89 984.02

PT Bank Rakyat Indonesia Agroniaga Tbk 0.23

PT Bank OCBC NISP Tbk 0.5
PT Bank Central Asia Tbk 7868.21
PT Bank AGRIS IBK Indonesia Tbk 0.03
Adira Dinamika Multi Finance Tbk 0.89
Rata-Rata Industri 984.02

2018
Time I nte re st Earned Rati o 2018
Bank Pembangunan Daerah Jawa Timur Tbk 1.16 1.6 1.43
1.2 1.16
PT Bank Negara Indonesia Tbk 0.54 0.8
0.54 0.57 0.61 0.59
0.4 0.32
0 0.05 0.06
 Time I nte re st Earned Rati o 2018
1.6 1.43
1.2 1.16
0.8 0.61
0.4 0.54 0.57 0.59
0.32
PT Bank Rakyat Indonesia Tbk 0.57 0 0.05 0.06

PT Bank Rakyat Indonesia Agroniaga Tbk 0.05

PT Bank OCBC NISP Tbk 0.61
PT Bank Central Asia Tbk 0.06
PT Bank AGRIS IBK Indonesia Tbk 0.32
Adira Dinamika Multi Finance Tbk 1.43
Rata-Rata Industri 0.59

2020
Time Interest Earned Rati o 2020
Bank Pembangunan Daerah Jawa Timur Tbk 0.74 0.83
0.8 0.74
0.68
PT Bank Negara Indonesia Tbk 0.57 0.5 0.57 0.57 0.51 0.49
0.2
PT Bank Rakyat Indonesia Tbk 0.57 -0.1
0.04 -0.05

PT Bank Rakyat Indonesia Agroniaga Tbk 0.04

PT Bank OCBC NISP Tbk 0.51
PT Bank Central Asia Tbk -0.05
PT Bank AGRIS IBK Indonesia Tbk 0.68
Adira Dinamika Multi Finance Tbk 0.83
Rata-Rata Industri 0.49
Total Assets Rati o 2017
20 16 Bank Pembangunan Daerah Jawa Timur Tbk 0.85 Total De bt to Tota
2 01 7
85 0.85 0.86 0.86
0.84
PT Bank Negara Indonesia Tbk 0.86 0.87
0.83 0.83 0.86 0.85
0.84 0.85
0.82
PT Bank Rakyat Indonesia Tbk 0.85 0.81
PT Bank Rakyat Indonesia Agroniaga Tbk 0.81 0.78

PT Bank OCBC NISP Tbk 0.86

PT Bank Central Asia Tbk 0.82
PT Bank AGRIS IBK Indonesia Tbk 0.86
Adira Dinamika Multi Finance Tbk 0.81
Rata-Rata Industri 0.84

Total Asse ts Rati o 2019

Total De bt to Tota
2018 Bank Pembangunan Daerah Jawa Timur Tbk 0.88 2019
.86 0.86
0.81
0.86
0.81
0.87
0.84 PT Bank Negara Indonesia Tbk 0.85 0.9 0.88
0.85 0.85
0.78 0.8
PT Bank Rakyat Indonesia Tbk 0.85
0.7
PT Bank Rakyat Indonesia Agroniaga Tbk 0.83
PT Bank OCBC NISP Tbk 0.85
PT Bank Central Asia Tbk 0.81
PT Bank AGRIS IBK Indonesia Tbk 0.81
Adira Dinamika Multi Finance Tbk 0.77
Rata-Rata Industri 0.83

Total Asse ts Rati o

2 020
0.87 0.87 0.85 0.86 0.82 0.81 0.73 0.84
 2017
o Total Equity Rati o Total De bt to Total E
2016 Bank Pembangunan Daerah Jawa Timur Tbk 11.67 20 17
227 PT Bank Negara Indonesia Tbk 67.19 200
107.25
56.74
95.83 82.76 61.21 PT Bank Rakyat Indonesia Tbk 107.25 100
0 11.67
67.19
7.3
6.16 4.97 6.63
PT Bank Rakyat Indonesia Agroniaga Tbk 7.38
PT Bank OCBC NISP Tbk 92.04
PT Bank Central Asia Tbk 4.68
PT Bank AGRIS IBK Indonesia Tbk 6.33
Adira Dinamika Multi Finance Tbk 237
Rata-Rata Industri 66.69

2019
Total Equity Rati o Total Debt to Total
2 018 Bank Pembangunan Daerah Jawa Timur Tbk 18.06
2019
245
PT Bank Negara Indonesia Tbk 79.58 300
200
77.11
125.47
52 66.77 PT Bank Rakyat Indonesia Tbk 133.21 100 79.58
133.21
8.85 4.4 6.88
0 18.06 1
PT Bank Rakyat Indonesia Agroniaga Tbk 10.58
PT Bank OCBC NISP Tbk 53.36
PT Bank Central Asia Tbk 4.25
PT Bank AGRIS IBK Indonesia Tbk 7.34
Adira Dinamika Multi Finance Tbk 270
Rata-Rata Industri 72.0475

o Total Equity Rati o

2020
213
136.95
85.97 61.53 67.51
11.12 4.79 7.09
o Total Equity Rati o
2020
213
136.95
85.97 61.53 67.51
11.12 4.79 7.09

2017
De bt to Total Equity Long Te rm De bt to
Rati o 20 16 Bank Pembangunan Daerah Jawa Timur Tbk 0.4 Rati o 20
19.13
PT Bank Negara Indonesia Tbk 10.05 30
20
8.35 6.22 4.97 5.12 PT Bank Rakyat Indonesia Tbk 6.25 10
0 0.4
10.05 6.25
0.0
0.07 1.77 0.13
PT Bank Rakyat Indonesia Agroniaga Tbk 0.08
PT Bank OCBC NISP Tbk 1.41
PT Bank Central Asia Tbk 4.56
PT Bank AGRIS IBK Indonesia Tbk 0.08
Adira Dinamika Multi Finance Tbk 27.11
Rata-Rata Industri 6.24

2019
De bt to Total Equity Long Te rm Debt to
Rati o 2018 Bank Pembangunan Daerah Jawa Timur Tbk 0.64 Rati o 2 0
24.4
PT Bank Negara Indonesia Tbk 12.36 30
15
11.08 7.79
4.3 6.17 PT Bank Rakyat Indonesia Tbk 9.69 0 0.64
12.36 9.69
0.0
0.07 1.33 0.15
PT Bank Rakyat Indonesia Agroniaga Tbk 0.08
PT Bank OCBC NISP Tbk 1.32
PT Bank Central Asia Tbk 4.16
PT Bank AGRIS IBK Indonesia Tbk 0.07
 Adira Dinamika Multi Finance Tbk 37.27
Rata-Rata Industri 8.20

De bt to Total Equity
Rati o 2020
39.66

11.65 10.97 8.74

0.11 2.44 4.68 0.09

2017
rest Earned Rati o 2016
7868.21
Bank Pembangunan Daerah Jawa Timur Tbk 1.17 Time Interest E
PT Bank Negara Indonesia Tbk 0.58 500
0 1.17 0.58 0.6
0.67 0.65 0.23 0.5 0.03 0.89 984.02 PT Bank Rakyat Indonesia Tbk 0.68 -500
-1000
PT Bank Rakyat Indonesia Agroniaga Tbk 0.24 -1500
-2000
PT Bank OCBC NISP Tbk 0.59 -2500
PT Bank Central Asia Tbk -3158.1 -3000
-3500
PT Bank AGRIS IBK Indonesia Tbk 0.03
Adira Dinamika Multi Finance Tbk 1.12
Rata-Rata Industri -394.21

2019
est Earned Rati o 2018 Time Intere st Ea
Bank Pembangunan Daerah Jawa Timur Tbk 1.01 1.6
1.43
1 1.01
PT Bank Negara Indonesia Tbk 0.45 0.45 0.4
0.54 0.57 0.61 0.59 0.4
0.32
0.05 0.06 -0.2
 est Earned Rati o 2018 Time Intere st Ea
1.6
1.43
1 1.01
0.54 0.57 0.61 0.59 0.4 0.45 0.4
0.32
0.05 0.06 PT Bank Rakyat Indonesia Tbk 0.43 -0.2

PT Bank Rakyat Indonesia Agroniaga Tbk 0.3

PT Bank OCBC NISP Tbk 0.57
PT Bank Central Asia Tbk -0.08
PT Bank AGRIS IBK Indonesia Tbk 0.75
Adira Dinamika Multi Finance Tbk 1.46
Rata-Rata Industri 0.61

st Earned Rati o 2020

0.83
0.57 0.57 0.68
0.51 0.49
0.04 -0.05
Total De bt to Total A sse ts Rati o
2 01 7
0.87 0.86 0.85 0.86 0.86
0.84 0.85 0.84
0.81 0.81 0.82 0.81
0.78

Total De bt to Total Asse ts Rati o

2019
0.9 0.88
0.85 0.85 0.83 0.85 0.83
0.8 0.81 0.81
0.77
0.7
 al De bt to Total Equity Rati o
20 17
237
200
100 107.25 92.04
67.19 66.69
0 11.67 7.38 4.68 6.33

otal Debt to Total Equity Rati o

2 019
300 270
200
100 133.21
79.58 53.36 72.0475
0 18.06 10.58 4.25 7.34
ong Te rm De bt to Total Equity
Rati o 20 17
30 27.11
20
10 10.05 6.25 6.24
4.56
0 0.4 0.08 1.41 0.08

ong Te rm Debt to Total Equity

Rati o 2 02 0
37.27
30
15 12.36 9.69 8.20
0 0.64 0.08 1.32 4.16 0.07
Time Interest Earned Rati o 2017
500
0 1.17 0.58 0.68 0.24 0.59 0.03 1.12
-500 -394.21
-1000
-1500
-2000
-2500
-3000 -3158.1
-3500

Time Intere st Earne d Rati o 2019

1.6 1.46
1 1.01
0.57 0.75 0.61
0.4 0.45 0.43 0.3
-0.2 -0.08
Time Intere st Earne d Rati o 2019
1.6 1.46
1 1.01
0.57 0.75 0.61
0.4 0.45 0.43 0.3
-0.2 -0.08
1. Total Asset Turnover

2016
Total Asset Turnover 2016
Bank Pembangunan Daerah Jawa Timur Tbk 0.08
0.3 0.30
PT Bank Negara Indonesia Tbk 0.02 0.2
0.1 0.08 0.08 0.08
PT Bank Rakyat Indonesia Tbk 0.02 0 0.02 0.02 0.04 0.05 0.03

PT Bank Rakyat Indonesia Agroniaga Tbk 0.04

PT Bank OCBC NISP Tbk 0.05
PT Bank Central Asia Tbk 0.08
PT Bank AGRIS IBK Indonesia Tbk 0.03
Adira Dinamika Multi Finance Tbk 0.30
Rata-Rata Industri 0.08

2018
Bank Pembangunan Daerah Jawa Timur Tbk 0.06 Total Asse t Turnover 2018
0.3 0.32
PT Bank Negara Indonesia Tbk 0.01 0.2
PT Bank Rakyat Indonesia Tbk 0.02 0.1 0.06
0 0.01 0.02 0.03 0.04 0.01 0.02
0.06

PT Bank Rakyat Indonesia Agroniaga Tbk 0.03

PT Bank OCBC NISP Tbk 0.04
PT Bank Central Asia Tbk 0.01
PT Bank AGRIS IBK Indonesia Tbk 0.02
Adira Dinamika Multi Finance Tbk 0.32
Rata-Rata Industri 0.06

2020
Bank Pembangunan Daerah Jawa Timur Tbk 0.05 Total Asse t Turnover 2020
0.3 0.32
PT Bank Negara Indonesia Tbk 0.02 0.2
0.1
PT Bank Rakyat Indonesia Tbk 0.02 0
0.05 0.02 0.02 0.02 0.04 0.01 0.02 0.06

PT Bank Rakyat Indonesia Agroniaga Tbk 0.02

PT Bank OCBC NISP Tbk 0.04
PT Bank Central Asia Tbk 0.01
 0.05 0.04 0.06
0 0.02 0.02 0.02 0.01 0.02

PT Bank AGRIS IBK Indonesia Tbk 0.02

Adira Dinamika Multi Finance Tbk 0.32
Rata-Rata Industri 0.06

2. Receivable Turnover

2016
Receivable Turnover 2016
Bank Pembangunan Daerah Jawa Timur Tbk 0 12
9.54
8
PT Bank Negara Indonesia Tbk 0 4
1.19
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 9.54
Rata-Rata Industri 1.19

2018
Receivable Turnover 2018
Bank Pembangunan Daerah Jawa Timur Tbk 0 33.31
30
PT Bank Negara Indonesia Tbk 0 20
10
4.16
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 33.31
Rata-Rata Industri 4.16

2020
Bank Pembangunan Daerah Jawa Timur Tbk 0 Receivable Turnover 2020
45
38.25
30
15
0 0 0 0 0 0 0 0 4.78
 Receivable Turnover 2020
45
38.25
PT Bank Negara Indonesia Tbk 0 30
15
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0 4.78

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 38.25
Rata-Rata Industri 4.78

3. Average Collection Periode

2016
Bank Pembangunan Daerah Jawa Timur Tbk 0 Ave rage Colle cti on Period 2016
40
PT Bank Negara Indonesia Tbk 0 30
38
20
PT Bank Rakyat Indonesia Tbk 0 10
4.75
0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 38
Rata-Rata Industri 4.75

2018
Ave rage Collecti on Pe riod 2018
Bank Pembangunan Daerah Jawa Timur Tbk 0 12 11
PT Bank Negara Indonesia Tbk 0 8
4
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0 1.38

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 11
Rata-Rata Industri 1.38

2020
Bank Pembangunan Daerah Jawa Timur Tbk 0 Ave rage Colle cti on Period 2020
12
PT Bank Negara Indonesia Tbk 0 8
10

PT Bank Rakyat Indonesia Tbk 0 4

1.25
0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 10
Rata-Rata Industri 1.25

4. Inventory Turnover

2016
I nve ntory Turnove r 2016
Bank Pembangunan Daerah Jawa Timur Tbk 0 0.9
PT Bank Negara Indonesia Tbk 0 0.6
0.3
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0 0 0

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

2018
Bank Pembangunan Daerah Jawa Timur Tbk 0 I nve ntory Turnove r 2018
PT Bank Negara Indonesia Tbk 0 0.9
0.6
0.3
0 0 0 0 0 0 0 0 0 0
 I nve ntory Turnove r 2018
0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

2020
Bank Pembangunan Daerah Jawa Timur Tbk 0 I nve ntory Turnove r 2020
PT Bank Negara Indonesia Tbk 0 0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

5. Avarage Days Inventory

2016
Bank Pembangunan Daerah Jawa Timur Tbk 0 Ave rage Days I nventory 2016
PT Bank Negara Indonesia Tbk 0 0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0
 2018
Bank Pembangunan Daerah Jawa Timur Tbk 0 Ave rage Days I nventory 2018
PT Bank Negara Indonesia Tbk 0 0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

2020
Bank Pembangunan Daerah Jawa Timur Tbk 0 Average Days I nve ntory 2020
PT Bank Negara Indonesia Tbk 0 0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

6. Working Capital Turnover

2016
Bank Pembangunan Daerah Jawa Timur Tbk -0.16 Working Capital Turnover 2016
PT Bank Negara Indonesia Tbk 0.07 1.4 1.35
0.8
0.48
PT Bank Rakyat Indonesia Tbk 0.11 0.2 0.07 0.11 0.27 0.39 0.24 0.34
-0.4 -0.16
PT Bank Rakyat Indonesia Agroniaga Tbk 0.27
 Working Capital Turnover 2016
1.4 1.35
0.8
0.27 0.39 0.48 0.24 0.34
0.2 0.07 0.11
-0.4 -0.16

PT Bank OCBC NISP Tbk 0.39

PT Bank Central Asia Tbk 0.48
PT Bank AGRIS IBK Indonesia Tbk 0.24
Adira Dinamika Multi Finance Tbk 1.35
Rata-Rata Industri 0.34

2018
Bank Pembangunan Daerah Jawa Timur Tbk -0.11 Working Capital Turnove r 2018
PT Bank Negara Indonesia Tbk 0.07 1.4
1 1.18
0.6
PT Bank Rakyat Indonesia Tbk 0.12 0.2 0.12 0.17 0.36 0.21 0.26
0.07 0.08
-0.2 -0.11
PT Bank Rakyat Indonesia Agroniaga Tbk 0.17
PT Bank OCBC NISP Tbk 0.36
PT Bank Central Asia Tbk 0.08
PT Bank AGRIS IBK Indonesia Tbk 0.21
Adira Dinamika Multi Finance Tbk 1.18
Rata-Rata Industri 0.26

2020
Bank Pembangunan Daerah Jawa Timur Tbk -0.13 Working Capital Turnover 2020
PT Bank Negara Indonesia Tbk 0.08 2.5 2.66
1.5
PT Bank Rakyat Indonesia Tbk 0.12 0.5 0.08 0.12 0.17 0.31 0.07
0.89 0.52
-0.5 -0.13
PT Bank Rakyat Indonesia Agroniaga Tbk 0.17
PT Bank OCBC NISP Tbk 0.31
PT Bank Central Asia Tbk 0.07
PT Bank AGRIS IBK Indonesia Tbk 2.66
Adira Dinamika Multi Finance Tbk 0.89
Rata-Rata Industri 0.52
 2017
Bank Pembangunan Daerah Jawa Timur Tbk 0.07 Total Asset Turnover 2017
PT Bank Negara Indonesia Tbk 0.02 0.3 0.31
0.2
PT Bank Rakyat Indonesia Tbk 0.02 0.1 0.07
0.03 0.05 0.08
0.03
0.
0 0.02 0.02
PT Bank Rakyat Indonesia Agroniaga Tbk 0.03
PT Bank OCBC NISP Tbk 0.05
PT Bank Central Asia Tbk 0.08
PT Bank AGRIS IBK Indonesia Tbk 0.03
Adira Dinamika Multi Finance Tbk 0.31
Rata-Rata Industri 0.08

2019
Bank Pembangunan Daerah Jawa Timur Tbk 0.05 Total Asset Turnover 2019
0.32
PT Bank Negara Indonesia Tbk 0.02 0.3
0.2
PT Bank Rakyat Indonesia Tbk 0.02 0.1
0
0.05 0.02 0.02 0.03 0.05 0.01 0.01
0.0

PT Bank Rakyat Indonesia Agroniaga Tbk 0.03

PT Bank OCBC NISP Tbk 0.05
PT Bank Central Asia Tbk 0.01
PT Bank AGRIS IBK Indonesia Tbk 0.01
Adira Dinamika Multi Finance Tbk 0.32
Rata-Rata Industri 0.06
 2017
Receivable Turnover 2017
Bank Pembangunan Daerah Jawa Timur Tbk 0 30
24.07
20
PT Bank Negara Indonesia Tbk 0 10
3.0
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 24.07
Rata-Rata Industri 3.01

2019
Re ceivable Turnove r 2019
Bank Pembangunan Daerah Jawa Timur Tbk 0 40 36.58
30
PT Bank Negara Indonesia Tbk 0 20
10
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0 4.

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 36.58
Rata-Rata Industri 4.57
 2017
Bank Pembangunan Daerah Jawa Timur Tbk 0 Ave rage Colle cti on Period 2017
16 15
PT Bank Negara Indonesia Tbk 0 12
8
PT Bank Rakyat Indonesia Tbk 0 4
0 0 0 0 0 0 0 0 1.8

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 15
Rata-Rata Industri 1.88

2019
Ave rage Colle cti on Period 2019
Bank Pembangunan Daerah Jawa Timur Tbk 0 12
10
8
PT Bank Negara Indonesia Tbk 0 4
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0 1.2

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 10
Rata-Rata Industri 1.25

2017
Bank Pembangunan Daerah Jawa Timur Tbk 0 I nventory Turnover 2017
0.9
PT Bank Negara Indonesia Tbk 0 0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

2019
Bank Pembangunan Daerah Jawa Timur Tbk 0 I nventory Turnover 2019
PT Bank Negara Indonesia Tbk 0 0.9
0.6
0.3
0 0 0 0 0 0 0 0 0 0
 I nventory Turnover 2019
0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

2017
Average Days I nve ntory 2017
Bank Pembangunan Daerah Jawa Timur Tbk 0
0.9
PT Bank Negara Indonesia Tbk 0 0.6
0.3
PT Bank Rakyat Indonesia Tbk 0 0 0 0 0 0 0 0 0 0 0

PT Bank Rakyat Indonesia Agroniaga Tbk 0

PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0
 2019
Bank Pembangunan Daerah Jawa Timur Tbk 0 Average Days I nve ntory 2019
PT Bank Negara Indonesia Tbk 0 0.9
0.6
PT Bank Rakyat Indonesia Tbk 0 0.3
0 0 0 0 0 0 0 0 0 0
PT Bank Rakyat Indonesia Agroniaga Tbk 0
PT Bank OCBC NISP Tbk 0
PT Bank Central Asia Tbk 0
PT Bank AGRIS IBK Indonesia Tbk 0
Adira Dinamika Multi Finance Tbk 0
Rata-Rata Industri 0

2017
Bank Pembangunan Daerah Jawa Timur Tbk -0.15 Working Capital Turnover 2017
1.4
PT Bank Negara Indonesia Tbk 0.07 0.8
1.19
0.40 0.43 0.
PT Bank Rakyat Indonesia Tbk 0.11 0.2
-0.15 0.07
0.11 0.19 0.24
-0.4
PT Bank Rakyat Indonesia Agroniaga Tbk 0.19
 Working Capital Turnover 2017
1.4 1.19
0.8
0.40 0.43 0.24 0.
0.2 0.07 0.11 0.19
-0.15
-0.4

PT Bank OCBC NISP Tbk 0.40

PT Bank Central Asia Tbk 0.43
PT Bank AGRIS IBK Indonesia Tbk 0.24
Adira Dinamika Multi Finance Tbk 1.19
Rata-Rata Industri 0.31

2019
Bank Pembangunan Daerah Jawa Timur Tbk -0.15 Working Capital Turnover 2019
1.2 1.04
PT Bank Negara Indonesia Tbk 0.07 0.8
0.4
0.18 0.33 0.
0 -0.15 0.07 0.12 0.08 0.06
PT Bank Rakyat Indonesia Tbk 0.12 -0.4
PT Bank Rakyat Indonesia Agroniaga Tbk 0.18
PT Bank OCBC NISP Tbk 0.33
PT Bank Central Asia Tbk 0.08
PT Bank AGRIS IBK Indonesia Tbk 0.06
Adira Dinamika Multi Finance Tbk 1.04
Rata-Rata Industri 0.22
et Turnover 20 17
0.31

0.05 0.08 0.08

0.02 0.02 0.03 0.03

et Turnover 2019
0.32

0.03 0.05 0.06

0.02 0.02 0.01 0.01
le Turnover 2017
24.07

0 0 0 0 0 0 3.01

ble Turnover 2019

36.58

0 0 0 0 0 0 4.57
le cti on Pe riod 2017
15

0 0 0 0 0 0 1.88

le cti on Pe riod 2019

10

0 0 0 0 0 0 1.25
ry Turnover 2017

0 0 0 0 0 0 0 0

ry Turnover 2019

0 0 0 0 0 0 0 0
ry Turnover 2019

0 0 0 0 0 0 0 0

ays I nve ntory 2017

0 0 0 0 0 0 0 0
Days I nve ntory 2019

0 0 0 0 0 0 0 0

Capital Turnover 2017

1.19
0.40 0.43 0.24 0.31
0.07 0.11 0.19
Capital Turnover 2017
1.19
0.40 0.43 0.24 0.31
0.07 0.11 0.19

Capital Turnove r 2019

1.04

0.18 0.33 0.22

0.07 0.12 0.08 0.06
1. Gross Profit Margin

2016
Bank Pembangunan Daerah Jawa Timur Tbk 142% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 100% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 100% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 15% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 21% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 100% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 100% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 100% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 84.75% Rata-Rata Industri

2018
Bank Pembangunan Daerah Jawa Timur Tbk 141% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 100% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 100% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 7% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 18% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 100% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 100% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 100% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 83.25% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk 150%
PT Bank Negara Indonesia Tbk 100%
PT Bank Rakyat Indonesia Tbk 100%
PT Bank Rakyat Indonesia Agroniaga Tbk 10%
PT Bank OCBC NISP Tbk 26%
PT Bank Central Asia Tbk 100%
PT Bank AGRIS IBK Indonesia Tbk 100%
Adira Dinamika Multi Finance Tbk 100%
Rata-Rata Industri 85.75%

2. Profit Margin

2016
Bank Pembangunan Daerah Jawa Timur Tbk 42% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk -93% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk -106% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 27% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 34% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 48% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 4.67% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 20% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri -2.92% Rata-Rata Industri

2018
Bank Pembangunan Daerah Jawa Timur Tbk 48% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk -88% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk -79% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 40% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 45% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk -1% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk -65.13% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 24% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri -9.52% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk 37%
PT Bank Negara Indonesia Tbk -81%
PT Bank Rakyat Indonesia Tbk -69%
PT Bank Rakyat Indonesia Agroniaga Tbk 8%
PT Bank OCBC NISP Tbk 30%
PT Bank Central Asia Tbk -1%
PT Bank AGRIS IBK Indonesia Tbk -114.76%
Adira Dinamika Multi Finance Tbk 16%
Rata-Rata Industri -21.85%

3. Net Profit Margin

2016
Bank Pembangunan Daerah Jawa Timur Tbk 30% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 115% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 154% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 22% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 26% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 38% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 2.28% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 12% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 49.91% Rata-Rata Industri

2018
Bank Pembangunan Daerah Jawa Timur Tbk 34% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 130% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 138% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 28% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 34% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 215% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 30.07% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 18% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 78.38% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk 37%
PT Bank Negara Indonesia Tbk 25%
PT Bank Rakyat Indonesia Tbk 63%
PT Bank Rakyat Indonesia Agroniaga Tbk 4%
PT Bank OCBC NISP Tbk 23%
PT Bank Central Asia Tbk 206%
PT Bank AGRIS IBK Indonesia Tbk 94.37%
Adira Dinamika Multi Finance Tbk 11%
Rata-Rata Industri 57.92%

4. Operating Income Ratio

2016
Bank Pembangunan Daerah Jawa Timur Tbk -10% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk -93% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 306% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 52% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 34% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 48% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 4.67% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 126% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 58.46% Rata-Rata Industri

2018
Bank Pembangunan Daerah Jawa Timur Tbk -11% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk -88% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk -79% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 61% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 45% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk -1% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk -65.13% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 132% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri -0.77% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk -10%
PT Bank Negara Indonesia Tbk -81%
PT Bank Rakyat Indonesia Tbk -69%
PT Bank Rakyat Indonesia Agroniaga Tbk 55%
PT Bank OCBC NISP Tbk 30%
PT Bank Central Asia Tbk -1%
PT Bank AGRIS IBK Indonesia Tbk -114.76%
Adira Dinamika Multi Finance Tbk 119%
Rata-Rata Industri -8.97%
5. Return on Assets

2016
Bank Pembangunan Daerah Jawa Timur Tbk 3.37% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk -2% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk -2% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 1.1% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 1.70% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 4% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk -0.15% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 6.20% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 1.53% Rata-Rata Industri
 2018
Bank Pembangunan Daerah Jawa Timur Tbk 2.80% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk -1% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk -1% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 1.3% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 2.0% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 0% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk -1.63% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 7.90% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 1.30% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk 1.80%
PT Bank Negara Indonesia Tbk -1%
PT Bank Rakyat Indonesia Tbk -1%
PT Bank Rakyat Indonesia Agroniaga Tbk 0.2%
PT Bank OCBC NISP Tbk 1.3%
PT Bank Central Asia Tbk 0%
PT Bank AGRIS IBK Indonesia Tbk -1.82%
Adira Dinamika Multi Finance Tbk 5.10%
Rata-Rata Industri 0.57%

6. Return on Equity

2016
Bank Pembangunan Daerah Jawa Timur Tbk 14.26% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 13% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 18% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 5.3% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 9.20% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 3% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 0.54% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 20.30% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 10.45% Rata-Rata Industri

2018
Bank Pembangunan Daerah Jawa Timur Tbk 14.88% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 14% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 17% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 4.6% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 10.80% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 3% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 5.85% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 25.80% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 11.99% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk 14.88%
PT Bank Negara Indonesia Tbk 3%
PT Bank Rakyat Indonesia Tbk 9%
PT Bank Rakyat Indonesia Agroniaga Tbk 0.7%
PT Bank OCBC NISP Tbk 7%
PT Bank Central Asia Tbk 3%
PT Bank AGRIS IBK Indonesia Tbk 7.77%
Adira Dinamika Multi Finance Tbk 12.90%
Rata-Rata Industri 7.28%

7. Return on Investment

2016
Bank Pembangunan Daerah Jawa Timur Tbk 2.39% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 2% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 3% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 0.9% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 1.30% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 3% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 0.08% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 3.70% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 2.05% Rata-Rata Industri

2018
Bank Pembangunan Daerah Jawa Timur Tbk 2.01% Bank Pembangunan Daerah Jawa Timur Tbk
PT Bank Negara Indonesia Tbk 2% PT Bank Negara Indonesia Tbk
PT Bank Rakyat Indonesia Tbk 2% PT Bank Rakyat Indonesia Tbk
PT Bank Rakyat Indonesia Agroniaga Tbk 0.9% PT Bank Rakyat Indonesia Agroniaga Tbk
PT Bank OCBC NISP Tbk 1.50% PT Bank OCBC NISP Tbk
PT Bank Central Asia Tbk 3% PT Bank Central Asia Tbk
PT Bank AGRIS IBK Indonesia Tbk 0.75% PT Bank AGRIS IBK Indonesia Tbk
Adira Dinamika Multi Finance Tbk 5.80% Adira Dinamika Multi Finance Tbk
Rata-Rata Industri 2.25% Rata-Rata Industri

2020
Bank Pembangunan Daerah Jawa Timur Tbk 1.78%
PT Bank Negara Indonesia Tbk 0.4%
PT Bank Rakyat Indonesia Tbk 1%
PT Bank Rakyat Indonesia Agroniaga Tbk 0.1%
PT Bank OCBC NISP Tbk 1%
PT Bank Central Asia Tbk 3%
PT Bank AGRIS IBK Indonesia Tbk 1.50%
Adira Dinamika Multi Finance Tbk 3.50%
Rata-Rata Industri 1.54%
2017
GROSS PROFIT MARGIN G
2016
140%
160% 142% 160% 14
100% 120% 100% 100% 100% 100% 100% 120%
84.75%
100% 80% 80%
10% 40% 15% 21% 40%
20% 0% 0%
100%
100%
100%
83.75%

2019
146%
100%
100% GROSS PROFIT MARGIN G
10% 2018
160% 141% 160% 14
23% 120%
120% 100% 100% 100% 100% 100%
100% 83.25%
80% 80%
100% 40% 7% 18% 40%
0%
100% 0%

84.88%
2017 PROFIT MARGIN
47% 2016
60% 60%
48%
-85% 42%
40% 34% 40%
-101% 27%
20% 20%
20%
32% 4.67%
-2.92% 0%
0%
38% -20%
-20%
51% -40%
-40%
-5.77% -60%
-60%
23% -80%
-80% -93%
-0.10% -100% -106% -100%

-120% -120%

2019
47%
-73%
-58%
PROFIT MARGIN
2018
9%
60% 48% 45%
47% 40% 100% 4
40%
2% 24%
20% 0%
-488.21% -1% T
0% -9.52% -100% ur
25% T i m
-20% a
-61.15% w
-200%
a In
-40% h
J
a ra
a g
er Ne
-60% -65.13% Da -300% n k n
-79% na
n
Ba Ba
u T T
-80% -88%
ng P -400%P
ba n
-100%
Pem Ba
k -500%P T
B an
-600%
 -200%
Ja ra
-40% ah ga
er e
-60% -65.13% Da -300% kN n
-79% a n
B an Ba
un T T
-80% -88%
ng P -400%P
ba n
-100%
Pem Ba
T
nk -500%P
Ba
-600%

NET PROFIT MARGIN

2016
154% 160%
2017 160%
115% 120%
120%
33% 80% 80%
38% 49.91% 3
30% 26%
125% 40% 22%
2.28% 12% 40%
0% 0%
152%
25%
29%
41%
6.58%
15%
53.32%

2019
34% NET PROFIT MARGIN
2018
113%
250% 215%
121% 400%
200%
150% 130% 138% 300%
7% 78.38% 200%
100%
35% 50% 34% 28% 34% 30.07% 18% 100% 34
0% 0%
210%
416.98%
 100% 78.38% 200%
50% 34% 28% 34% 30.07% 18% 100% 34
0% 0%

19%
119.50%

OPERATING INCOME RATIO OP

2016
2017
350% 306% 150%
-11%
250% 100%
-85% 126%
150%
58.46% 50%
-101% 50% -10%
52% 34% 48%
4.67%
57% 0% -1
-50% -93%
38% -150%
-50%
51% -100%
-5.77% -150%
130%
9.15%

2019
-12%
-73%
OPERATING INCOME RATIO OPE
2018
150% 200%
100%
100%
50%
 OPERATING INCOME RATIO OPE
2018
-58% 150% 200%
59%
100%
2% 100%
50%
2% 0%
-1
-288.21% 0%

134% -50% -100%

-29.28% -100% -200%

-300%

-400%

RETURN ON ASSETS
2017
2016
7.00% 6.20% 8.00%
3.18% 6.00%
5.00% 4%
-1% 3.37%
4.00% 3.1
3.00% 1.70% 1.53%
-2% 1.1% 2.00%
1.00% -0.15%
1.1% 0.00%
-1.00% -2% -2% -2.00%
1.90%
-3.00% -4.00%
4%
-0.19%
7.20%
1.77%
2019
2.43%
-1% RETURN ON ASSETS
2018
-1% 10.00%
10.00%
0.3% 8.00% 8.00%
6.00% 6.00%
2.2%
4.00% 4.00% 2.4
0% 2.00% 2.00%
-4.38% 0.00% 0.00%
-2.00% -2.00%
8.20% -4.00% -4.00%
0.84% -6.00%

RETURN ON EQUITY
2016
25.00% 30.00%
20.30%
2017 20.00% 18%
14.26% 13% 20.00% 14.
14.83% 15.00% 10.45%
9.20%
10.00% 5.3% 10.00%
14% 5.00% 3%
0.54%
0.00% 0.00%
17%
4.5%
10%
3%
 1.48%
24.50%
11.16%

2019
15.26%
RETURN ON EQUITY
2018
12% 30.00%
30.00% 25.80%
16%
20.00% 14.88% 14% 17% 20.00% 15.2
1.1% 10.80% 11.99%
10.00% 4.6% 5.85% 10.00%
10.60% 3%
0.00% 0.00%
3%
19.94%
26.10%
13.00%

2017
RETURN ON INVESTMENT RE
2.25%
2016
4.00% 3.70%
3% 3% 6.00%
3.00% 2.39%
2% 2.05% 4.00%
2.00% 1.30% 2.0
0.9% 2.00%
 RETURN ON INVESTMENT RE
2016
2% 4.00% 3.70%
3% 3% 6.00%
3% 3.00% 2.39%
2% 2.05% 4.00%
0.9% 2.00% 1.30% 2.0
0.9% 2.00%
1.40% 1.00%
0.08%
0.00% 0.00%
3%
0.21%
4.80%
2.20%

2019
1.79%
2%
2%
0.2% RETURN ON INVESTMENT RE
1.60%
2017
6.00% 4.80%
3% 6.00%
4.00% 3% 3% 4.00%
3.74% 2.25% 2% 2.20% 1.7
6.00% 2.00% 0.9% 1.40% 2.00%
0.21%
0.00% 0.00%
2.54%
 GROSS PROFIT MARGIN
2017
160% 140%
120% 100% 100% 100% 100% 100%
83.75%
80%
40% 10% 20%
0%

GROSS PROFIT MARGIN GROSS PROFIT MARGIN

2019 2020
160% 146% 160% 150%
120% 100% 100% 100% 100% 100% 120% 100% 100% 100% 100% 100%
84.88% 85.75%
80% 80%
40% 10% 23% 26%
40% 10%
0% 0%
 PROFIT MARGIN
2017
60%
40%
20%
0%
-20%
-40%
-60%
-80%
-100%
-120%

PROFIT MARGIN PROFIT MARGIN

2019 2020
60%
100% 47% 47%
9% 25% 40%
2%
0% 20%
k -73%k -58%
k k k k k k -61.15% ri
r Tb Tb Tb Tb Tb Tb Tb Tb ust 0%
-100% u i a i a a P si a si a e d
m es es ia
g
NI
S nc In k k k k k k k k ri
Ti on on on C a lA o ne i na ta -20% r Tb Tb Tb Tb Tb Tb Tb Tb ust
a d d r r d F a a a a P a a e d
In In Ag CB nt In -R u
es
i
es
i g S si si nc In
Ja
w
-200% ra at kO Ce K ul
ti
ta -40% Ti
m ia NI lA ne na
h a y s i a n k IB M a a don don ron C ra d o F i a ta
er
a g ak ne Ba n S
ika
R w In In Ag CB nt In -R
Ne kR do Ba RI Ja-60% ra at kO Ce K ul
ti
ta
Da -300% n k n In PT T G m h a y s i a n k IB M a
an Ba Ba at
P kA na a
er -80%
g ak ne Ba n S
ika
R
un ky an Di Ne kR do Ba RI
g P T PT a B ra Da k n n P T T G m
n -400% R PT Ad
i
an an
B-100% Ba tI P kA na
ba nk un ya an Di
m a -488.21% g PT PT k B a
e B n -120% Ra PT
ir
nkP -500%PT ba nk Ad
B a e m -140% B a
kP PT
-600% B an
 -200%
Ja a t e K ul at
a -40% Ti n n ni l n na ta
ah g ar kya e s ia a nk nkC S
IB M R a ndo ndo g ro B C
tra ndo Fi Ra
er Ne R a
on B Ba I ika a w
-60% I I A O C e n I l ti a -
Da -300% nk nk nd PT T GR m h
J ra ya
t ia k C IB
K u
Ra
t
n a a t I P A na ra -80% ga ak es an nk S a
M
na B B ya nk Di e e R on B a R I i k
gu PT -400%P
T
ak Ba ra Da kN k nd PT PT
B
AG am
n R T i n an
-100% an tI n
ba k P Ad un
a B B a nk Di
m an PT -120%P
T ky Ba
e B -488.21% ng Ra T ira
nkP -500%PT ba
n k P A d
Ba Pem -140% Ba
k P T
-600% B an

NET PROFIT MARGIN

2017
152%
160% 125%
120%
80% 53.32%
33% 29% 41%
40% 25% 15%
6.58%
0%

NET PROFIT MARGIN NET PROFIT MARGIN

2019 2020
416.98% 250%
400% 206%
200%
300% 210% 150%
200% 94.37%
113% 121% 119.50% 100% 63% 57.92%
100% 34% 35% 37% 25% 23%
7% 19% 50% 4% 11%
0% 0%
200% 94.37%
113% 121% 119.50% 100% 63% 57.92%
100% 34% 35% 37% 25% 23%
7% 19% 50% 4% 11%
0% 0%

OPERATING INCOME RATIO

2017
150% 130%

100%
57% 51%
50% 38%
9.15%
-5.77%
0% -11%

-50%
-85%
-101%
-100%

-150%

OPERATING INCOME RATIO OPERATING INCOME RATIO

2019 2020
200% 150%
134% 119%
100%
100% 59% 55%
 OPERATING INCOME RATIO OPERATING INCOME RATIO
2019 2020
200% 150%
134% 119%
100%
100% 59% 55%
2% 2% 50% 30%
-12% -29.28%
0% -1%
-58% 0% -10% -8.97%
-73%
-100% -50% -69%
-81%
-200% -100% -114.76%
-288.21% -150%
-300%

-400%

RETURN ON ASSETS
2017
8.00% 7.20%
6.00%
4%
4.00% 3.18%
1.90% 1.77%
2.00% 1.1%
-0.19%
0.00% -1%
-2%
-2.00%
-4.00%
 RETURN ON ASSETS OPERATING ON ASSETS
2019 2020
10.00% 6.00%
8.20%
8.00% 5.00%
4.00%
6.00% 3.00%
4.00% 2.43% 2.2% 2.00%
2.00% 0.3% 0.84% 1.00%
0%
0.00% -1% -1% 0.00%
-2.00% -1.00%
-4.38% -2.00%
-4.00% -3.00%
-6.00%

RETURN ON EQUITY
2017
30.00% 24.50%
20.00% 14.83% 14% 17%
10% 11.16%
10.00% 4.5% 3% 1.48%
0.00%
 RETURN ON EQUITY RETURN ON EQUITY
2019 2020
30.00% 26.10% 16.00% 14.88% 12.90%
19.94% 12.00%
20.00% 15.26% 16% 9% 7.77%
12% 13.00% 7% 7.28%
10.60% 8.00%
10.00% 3% 3%
1.1% 3% 4.00% 0.7%
0.00% 0.00%

RETURN ON INVESTMENT
2018
5.80%
6.00%
4.00% 3%
2.01% 2% 2% 2.25%
2.00% 1.50%
 RETURN ON INVESTMENT
2018
5.80%
6.00%
4.00% 3%
2.01% 2% 2% 2.25%
2.00% 1.50%
0.9% 0.75%
0.00%

RETURN ON INVESTMENT RETURN ON INVESTMENT

2019 2020
6.00% 4.00% 3.50%
6.00% 3%
3.00%
3.74%
4.00% 3% 2.54% 2.00% 1.78% 1.50% 1.54%
1.79% 2% 2% 1.60% 1% 1%
2.00% 1.00% 0.4%
0.2% 0.1%
0.00% 0.00%
RGIN

100% 100% 100%

85.75%

26%
 k k k k ri
Tb Tb Tb Tb ust
s ia sia ce
In
d
lA e an ta
rt a d on F in a
n In ti -R
K ul a ta
IB M R
S
RI ika
A G m
na
Di
ira
Ad
 l n na ta
ra do Fi Ra
nt In ti -
K ul ta
S
IB M Ra
RI ika
AG na
m
Di
ira
Ad

GIN

206%

94.37%
57.92%
23% 11%
 94.37%
57.92%
23% 11%

RATIO

119%
RATIO

119%

30%
-1% -8.97%

-114.76%
SETS
TY

12.90%

7% 7.77% 7.28%
3%
MENT

3.50%
3%

1.50% 1.54%
1%