Lampiran 1.

Daftar Bank Umum Di Bei Yang Dijadikan Sampel Penelitian

No. Kode Nama Perusahaan

1 AGRO PT Bank Rakyat Indonesia Agrioniaga Tbk
2 BACA PT Bank Capital Indonesia Tbk
3 BBKP PT Bank Bukopin Tbk
4 BBMD PT Bank Mestika Dharma Tbk
5 BBNI PT Bank Negara Indonesia (Persero) Tbk
6 BBRI PT Bank Raykat Indonesia (Persero)
7 BBTN PT Bank Tabungan Negara (Persero)
8 BDMN PT Bank Danamon Indonesia Tbk
9 BGTG PT Bank Ganesha Tbk
10 BINA PT Bank Ina Perdana Tbk
11 BJBR PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk
12 BJTM PT Bank Pembangunan Daerah Jawa Timur Tbk
13 BMAS PT Bank Maspion Indonesia Tbk
14 BMRI PT Bank Mandiri (Persero) Tbk
15 BNBA PT Bank Bumi Arta Tbk
16 BNGA PT Bank CIMB Niaga Tbk
17 BNII PT Bank Maybank Indonesia Tbk
18 BNLI PT Bank Permata Tbk
19 BSIM PT Bank Sinarmas Tbk
20 BTPN PT Bank BTPN Tbk
21 MCOR PT Bank China Construction Bank Indonesia Tbk
22 MEGA PT Bank Mega Tbk
23 NOBU PT Bank Nationalnobu Tbk
24 SDRA PT Bank Woori Saudara Indonesia 1906 Tbk
 Lampiran 3. Perhitungan Ratio Return on Assets
RATIO RETURN ON ASSETS
Laba Bersih
No. Kode Nama Perusahaan
2018 2019 2020
1 AGRO PT Bank Rakyat Indonesia Agrioniaga Tbk 204,213 51,061 31,260,682
2 BACA PT Bank Capital Indonesia Tbk 106,500 15,884 61,414
3 BBKP PT Bank Bukopin Tbk 189,970 216,749 -3,258,109
4 BBMD PT Bank Mestika Dharma Tbk 265,863 247,574 325,932,118,524
5 BBNI PT Bank Negara Indonesia (Persero) Tbk 15,091,763 15,508,583 3,321,442
6 BBRI PT Bank Raykat Indonesia (Persero) 32,418,486 34,413,825 18,660,393
7 BBTN PT Bank Tabungan Negara (Persero) 2,807,923 209,263 1,602,358
8 BDMN PT Bank Danamon Indonesia Tbk 4,107,068 4,240,671 1,088,942
9 BGTG PT Bank Ganesha Tbk 5,600 11,841 3,198
10 BINA PT Bank Ina Perdana Tbk 11,395 7,115 19,376

11 BJBR PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk 1,552,396 1,564,492 1,689,996

12 BJTM PT Bank Pembangunan Daerah Jawa Timur Tbk 1,260,308 1,376,505 1,488,963
13 BMAS PT Bank Maspion Indonesia Tbk 71,014 59,747 66,968,471
14 BMRI PT Bank Mandiri (Persero) Tbk 25,851,937 28,455,592 14,155,319
15 BNBA PT Bank Bumi Arta Tbk 92,898 51,168 350,533,331
16 BNGA PT Bank CIMB Niaga Tbk 3,482,428 3,642,935 1,830,963
17 BNLI PT Bank Permata Tbk 901,252 1,500,420 367,904
18 BSIM PT Bank Sinarmas Tbk 50,472 6,752 62,548
19 BTPN PT Bank BTPN Tbk 2,257,884 2,992,418 1,393,730
20 MCOR PT Bank China Construction Bank Indonesia Tbk 89,860 78,967 49,979
21 MEGA PT Bank Mega Tbk 1,599,347 2,002,733 3,008,311
22 NOBU PT Bank Nationalnobu Tbk 44,748 45,794 53,607
23 SDRA PT Bank Woori Saudara Indonesia 1906 Tbk 537,971 499,791 536,001
24 BNII PT Maybank Indonesia Tbk 2,262,245 1,924,180 1,284,392
N ASSETS
(Dalam Jutaan Rupiah)
Total aset ROA
2018 2019 2020 2018 2019 2020
23,313,671 27,067,923 28,015,492,262 0.88 0.19 0.11
18,019,614 18,959,622 1,607,234 0.59 0.08 3.82
95,643,923 100,264,248 79,938,578 0.20 0.22 -4.08
12,093,079 12,900,219 14,159,755,232,533 2.20 1.92 2.30
808,572,011 845,605,208 891,337,425 1.87 1.83 0.37
1,296,898,292 1,416,758,840 1,511,804,628 2.50 2.43 1.23
306,436,194 311,776,828 361,208,406 0.92 0.07 0.44
186,762,189 193,533,970 200,890,068 2.20 2.19 0.54
4,497,122 4,809,743 5,365,456 0.12 0.25 0.06
3,854,174 5,262,429 8,437,685 0.30 0.14 0.23
120,191,387 123,536,474 14,093,002 1.29 1.27 11.99
62,689,118 76,715,290 83,619,452 2.01 1.79 1.78
6,694,024 7,569,580 10,110,519,691 1.06 0.79 0.66
1,202,252,094 1,318,246,335 1,429,334,484 2.15 2.16 0.99
7,297,273 7,607,654 76,375,243,258 1.27 0.67 0.46
266,781,498 274,467,227 280,943,605 1.31 1.33 0.65
152,892,866 161,451,259 197,726,097 0.59 0.93 0.14
30,748,742 36,559,556 44,612,045 0.16 0.02 0.76
101,919,301 181,631,385 183,165,978 2.22 1.65 0.20
15,992,475 18,893,684 25,235,573 0.56 0.42 2.68
83,761,946 100,803,831 112,202,653 1.91 1.99 0.39
11,793,981 13,147,503 13,737,934 0.38 0.35 1.41
29,631,693 36,940,436 38,053,939 1.82 1.35 1.41
177,532,858 169,082,830 173,224,412 1.27 1.14 0.74
 Lampiran 4. Perhitungan Standar Deviasi ROA

STANDAR DEVIASI ROA

Roa ∑Roa Roa^2
Populasi Kode Nama Perusahaan Pangkat ∑Roa^2
2018 2019 2020 2018 2019 2020
1 AGRO PT Bank Rakyat Indonesia Agrioniaga Tbk 0.88 0.19 0.11 1.18 0.77 0.04 0.01 2 0.82
2 BACA PT Bank Capital Indonesia Tbk 0.59 0.08 3.82 0.67 0.35 0.01 14.60 2 0.36
3 BBKP PT Bank Bukopin Tbk 0.20 0.22 -4.08 0.41 0.04 0.05 16.61 2 0.09
4 BBMD PT Bank Mestika Dharma Tbk 2.20 1.92 2.30 4.12 4.83 3.68 5.30 2 8.52
5 BBNI PT Bank Negara Indonesia (Persero) Tbk 1.87 1.83 0.37 3.70 3.48 3.36 0.14 2 6.85
6 BBRI PT Bank Raykat Indonesia (Persero) 2.50 2.43 1.23 4.93 6.25 5.90 1.52 2 12.15
7 BBTN PT Bank Tabungan Negara (Persero) 0.92 0.07 0.44 0.98 0.84 0.00 0.20 2 0.84
8 BDMN PT Bank Danamon Indonesia Tbk 2.20 2.19 0.54 4.39 4.84 4.80 0.29 2 9.64
9 BGTG PT Bank Ganesha Tbk 0.12 0.25 0.06 0.37 0.02 0.06 0.00 2 0.08
10 BINA PT Bank Ina Perdana Tbk 0.30 0.14 0.23 0.43 0.09 0.02 0.05 2 0.11
11 BJBR PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk 1.29 1.27 11.99 2.56 1.67 1.60 143.80 2 3.27
12 BJTM PT Bank Pembangunan Daerah Jawa Timur Tbk 2.01 1.79 1.78 3.80 4.04 3.22 3.17 2 7.26
13 BMAS PT Bank Maspion Indonesia Tbk 1.06 0.79 0.66 1.85 1.13 0.62 0.44 2 1.75
14 BMRI PT Bank Mandiri (Persero) Tbk 2.15 2.16 0.99 4.31 4.62 4.66 0.98 2 9.28
15 BNBA PT Bank Bumi Arta Tbk 1.27 0.67 0.46 1.95 1.62 0.45 0.21 2 2.07
16 BNGA PT Bank CIMB Niaga Tbk 1.31 1.33 0.65 2.63 1.70 1.76 0.42 2 3.47
17 BNLI PT Bank Permata Tbk 0.59 0.93 0.14 1.52 0.35 0.86 0.02 2 1.21
18 BSIM PT Bank Sinarmas Tbk 0.16 0.02 0.76 0.18 0.03 0.00 0.58 2 0.03
19 BTPN PT Bank BTPN Tbk 2.22 1.65 0.20 3.86 4.91 2.71 0.04 2 7.62
20 MCOR PT Bank China Construction Bank Indonesia Tbk 0.56 0.42 2.68 0.98 0.32 0.17 7.19 2 0.49
21 MEGA PT Bank Mega Tbk 1.91 1.99 1.02 3.90 3.65 3.95 1.04 2 7.59
22 NOBU PT Bank Nationalnobu Tbk 0.38 0.35 1.41 0.73 0.14 0.12 1.98 2 0.27
23 SDRA PT Bank Woori Saudara Indonesia 1906 Tbk 1.82 1.35 1.41 3.17 3.30 1.83 1.98 2 5.13
24 BNII PT Maybak Indonesia 1.27 1.14 0.74 2.41 1.62 1.30 0.55 3 2.92
∑ṜoᾹ N SDRoA

1.00 3 0.33
0.36 3 0.12
0.09 3 0.03
8.52 3 2.84
6.85 3 2.28
12.15 3 4.05
0.84 3 0.28
9.64 3 3.21
0.08 3 0.03
0.11 3 0.04
3.27 3 1.09
7.26 3 2.42
1.75 3 0.58
9.28 3 3.09
2.07 3 0.69
3.47 3 1.16
1.21 3 0.40
0.03 3 0.01
7.62 3 2.54
0.49 3 0.16
7.59 3 2.53
0.27 3 0.09
5.13 3 1.71
2.92 3 0.97
 Lampiran 2. Perhitungan Risk Taking

RISK TAKING
CAR ROA SDROA Lnz
No Bank
2018 2019 2020 2018 2019 2020 2018 2019 2020 2018 2019 2020
1 PT Bank Rakyat Indonesia Agrioniaga Tbk 28.34 24.28 24.24 0.88 0.19 0.11 0.33 0.33 0.33 82.75 72.58 72.69
2 PT Bank Capital Indonesia Tbk 18.66 12.67 18.54 0.59 0.08 3.82 0.12 0.12 0.12 152.13 105.97 123.91
3 PT Bank Bukopin Tbk 13.41 12.59 16.34 0.20 0.22 -4.08 0.03 0.03 0.03 459.88 430.73 710.75
4 PT Bank Mestika Dharma Tbk 2.20 3.86 47.11 2.20 1.92 2.30 2.84 2.84 2.84 0.00 0.68 15.78
5 PT Bank Negara Indonesia (Persero) Tbk 18.50 19.70 21.34 1.87 1.83 0.37 2.28 2.28 2.28 7.29 7.83 9.19
6 PT Bank Raykat Indonesia (Persero) 21.21 22.55 22.47 2.50 2.43 1.23 4.05 4.05 4.05 4.62 4.97 5.24
7 PT Bank Tabungan Negara (Persero) 18.21 17.32 15.46 0.92 0.07 0.44 0.28 0.28 0.28 61.46 61.32 53.38
8 PT Bank Danamon Indonesia Tbk 22.20 24.20 25.60 2.20 2.19 0.54 3.21 3.21 3.21 6.23 6.85 7.80
9 PT Bank Ganesha Tbk 31.85 32.84 38.01 0.12 0.25 0.06 0.03 0.03 0.03 1250.43 1284.66 1495.66
10 PT Bank Ina Perdana Tbk 55.03 37.40 39.95 0.30 0.14 0.23 0.04 0.04 0.04 1553.61 1057.75 1127.39
11 PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk 18.63 17.71 16.24 1.29 1.27 11.99 1.09 1.09 1.09 15.90 15.08 3.90
12 PT Bank Pembangunan Daerah Jawa Timur Tbk 24.21 21.77 24.54 2.01 1.79 1.78 2.42 2.42 2.42 9.17 8.25 9.40
13 PT Bank Maspion Indonesia Tbk 21.28 20.19 0.52 1.06 0.79 0.66 0.58 0.58 0.58 34.69 33.29 -0.25
14 PT Bank Mandiri (Persero) Tbk 20.95 21.39 23.42 2.15 2.16 0.99 3.09 3.09 3.09 6.08 6.21 7.25
15 PT Bank Bumi Arta Tbk 25.52 23.55 25.30 1.27 0.67 0.46 0.69 0.69 0.69 35.09 33.11 35.94
16 PT Bank CIMB Niaga Tbk 19.66 21.47 11.03 1.31 1.33 0.65 1.16 1.16 1.16 15.89 17.44 8.98
17 PT Bank Permata Tbk 19.04 21.38 17.10 0.59 0.93 0.14 0.40 0.40 0.40 45.70 50.66 42.00
18 PT Bank Sinarmas Tbk 19.40 19.90 29.19 0.16 0.02 0.76 0.01 0.01 0.01 2115.06 2186.06 3126.21
19 PT Bank BTPN Tbk 17.60 17.32 49.44 2.22 1.65 0.20 2.54 2.54 2.54 6.06 6.17 19.38
20 PT Bank China Construction Bank Indonesia Tbk 24.60 24.20 35.28 0.56 0.42 2.68 0.16 0.16 0.16 147.05 145.48 199.45
21 PT Bank Mega Tbk 15.69 35.71 20.41 1.91 1.99 1.02 2.53 2.53 2.53 5.44 13.32 7.66
22 PT Bank Nationalnobu Tbk 17.63 19.17 20.93 0.38 0.35 1.41 0.09 0.09 0.09 195.09 212.86 220.79
23 PT Bank Woori Saudara Indonesia 1906 Tbk 23.26 21.57 8.73 1.82 1.35 1.41 1.71 1.71 1.71 12.55 11.83 4.28
24 PT Maybank Indonesia Tbk 19.04 21.38 24.25 1.27 1.14 0.74 0.73 0.97 0.73 24.35 20.87 32.22
 Lampiran 5. Perhitungan Free Cash Flow

FRE CASH FLOW

ARUS KAS OPERASI BELANJA MODAL
No. Kode Nama Perusahaan
2018 2019 2020 2018 2019 2020
1 AGRO PT Bank Rakyat Indonesia Agrioniaga Tbk 2,693,653 -2,622,768 763,032,452 -9,412 -1,692 -65,809
2 BACA PT Bank Capital Indonesia Tbk 1,644,054 -2,169,435 -113 -262,621 -57,893 -96
3 BBKP PT Bank Bukopin Tbk -6,158,223 -2,143,374 -13,475,843 -11,251 -52,537 -498
4 BBMD PT Bank Mestika Dharma Tbk -201,484 -313,061 1,894,438,892 -21,386 -9,908 -3,169,086
5 BBNI PT Bank Negara Indonesia (Persero) Tbk -4,274,095 -12,611,042 74,253,924 -1,945,179 -1,851,800 -393,668
6 BBRI PT Bank Raykat Indonesia (Persero) 57,262,380 44,582,937 66,689,187 -1,822,703 -3,695,364 -3,129,034
7 BBTN PT Bank Tabungan Negara (Persero) -2,410,430 -14,828,361 26,532,815 -526,743 -366,561 -789,086
8 BDMN PT Bank Danamon Indonesia Tbk 4,445,372 -9,005,154 15,173,157 -476,184 -432,532 -425,914
9 BGTG PT Bank Ganesha Tbk -33,849 328,920 991,782 -3,129 -1,166 2,033
10 BINA PT Bank Ina Perdana Tbk 505,896 415,100 2,269,453 -9,276 -9,360 -22,037
11 BJBR PT Bank Pembangunan Daerah Jawa Barat dan Banten tbk -6,070,263 -6,591,441 -1,395,455 -220,779 -159,446 -404,604
12 BJTM PT Bank Pembangunan Daerah Jawa Timur Tbk 9,427,320 2,337,757 31,467 -31,236 -22,126 -286,233
13 BMAS PT Bank Maspion Indonesia Tbk 363,170 142,275 208,404,415 -4,604 -7,258 -5,687,658
14 BMRI PT Bank Mandiri (Persero) Tbk -31,962,470 23,967,890 102,060,837 -2,432,966 -3,685,566 -2,277,013
15 BNBA PT Bank Bumi Arta Tbk -9,155 -71,209 642,426,485 -7,650 -10,651 -23,618,690
16 BNGA PT Bank CIMB Niaga Tbk -749,516 2,070,946 28,624,928 -694,136 -658,956 -679,690
17 BNLI PT Bank Permata Tbk -4,698,941 -1,879,571 1,148,905 -114,365 -44,524 -333,713
18 BSIM PT Bank Sinarmas Tbk -950,257 -1,212,141 2,116,579 -188,642 -240,196 -242,957
19 BTPN PT Bank BTPN Tbk 4,585,807 -11,970,920 18,663,821 -382,971 -324,700 -194,377
20 MCOR PT Bank China Construction Bank Indonesia Tbk -2,188,005 -81,034 -2,427,654 -43,295 -27,245 -37,552
21 MEGA PT Bank Mega Tbk -3,199,929 3,649,734 -545,449 -137,412 -9,394 -91,204
22 NOBU PT Bank Nationalnobu Tbk 210,642 -2,101,098 -839,886 -27,060 -23,764 -10,959
23 SDRA PT Bank Woori Saudara Indonesia 1906 Tbk -4,013,662 -333,339 -4,892,292 -35,657 -22,252 -15,632
24 BNII PT Maybank Indonesia Tbk -7,336,519 6,099,537 30,522,013 -174,684 -205,126 -161,291
 ARUS KAS BEBAS TOTAL ASET FCF
2018 2019 2020 2018 2019 2018 2019 2020
2,703,065 -2,621,076 763,098,261 23,313,671 27,067,923 28,015,492,262 11.59 -9.68 2.72
1,906,675 -2,111,542 -17 18,019,614 18,959,622 1,607,234 10.58 -11.14 -0.001
-6,146,972 -2,090,837 -13,475,345 95,643,923 100,264,248 79,938,578 -6.43 -2.09 -16.86
-180,098 -303,153 1,897,607,978 12,093,079 12,900,219 14,159,755,232 -1.49 -2.35 13.40
-2,328,916 -10,759,242 74,647,592 808,572,011 845,605,208 891,337,425 -0.29 -1.27 8.37
59,085,083 48,278,301 69,818,221 1,296,898,292 1,416,758,840 1,511,804,628 4.56 3.41 4.62
-1,883,687 -14,461,800 27,321,901 306,436,194 311,776,828 361,208,406 -0.61 -4.64 7.56
4,921,556 -8,572,622 15,599,071 186,762,189 193,533,970 200,890,068 2.64 -4.43 7.76
-30,720 330,086 989,749 4,497,122 4,809,743 5,365,456 -0.68 6.86 18.45
515,172 424,460 2,291,490 3,854,174 5,262,429 8,437,685 13.37 8.07 27.16
-5,849,484 -6,431,995 -990,851 120,191,387 123,536,474 14,093,002 -4.87 -5.21 -7.03
9,458,556 2,359,883 317,700 62,689,118 76,715,290 83,619,452 15.09 3.08 0.38
367,774 149,533 214,092,073 6,694,024 7,569,580 10,110,519,691 5.49 1.98 2.12
-29,529,504 27,653,456 104,337,850 1,202,252,094 1,318,246,335 1,429,334,484 -2.46 2.10 7.30
-1,505 -60,557 666,045,175 7,297,273 7,607,654 7,637,524,325 -0.02 -0.80 8.72
-55,380 2,729,902 29,304,618 266,781,498 274,467,227 280,943,605 -0.02 0.99 10.43
-4,584,576 -1,835,047 1,482,618 152,892,866 161,451,259 197,726,097 -3.00 -1.14 0.75
-761,615 -971,945 2,359,536 30,748,742 36,559,556 44,612,045 -2.48 -2.66 5.29
4,968,778 -11,646,220 18,858,198 101,919,301 181,631,385 183,165,978 4.88 -6.41 10.30
-2,144,710 -53,789 -2,390,102 15,992,475 18,893,684 25,235,573 -13.41 -0.28 -9.47
-3,062,517 3,659,128 -454,245 83,761,946 100,803,831 112,202,653 -3.66 3.63 -0.40
237,702 -2,077,334 -828,927 11,793,981 13,147,503 13,737,934 2.02 -15.80 -6.03
-3,978,005 -311,087 -4,876,660 29,631,693 36,940,436 38,053,939 -13.42 -0.84 -12.82
-7,161,835 6,304,663 30,683,304 177,532,858 169,082,830 173,224,412 -4.03 3.73 17.71
Lampiran 6. Perhitungan Pembagian Deviden (DPR)

DIVIDEN PAYOUT RATIO

(Dalam Jutaan Rupiah)
Kode Nama Perusahaan Tahun DEVIDEN NET INCOME DPR ( Y)
2018 40,843 204,213 20.00
PT Bank Rakyat Indonesia
AGRO 2019 0 51,061 0.00
Agrioniaga Tbk
2020 1,563,034 31,260,682 5.00
2018 0 106,500 0.00
BACA PT Bank Capital Indonesia Tbk 2019 0 15,884 0.00
2020 0 61,414 0.00
2018 0 189,970 0.00
BBKP PT Bank Bukopin Tbk 2019 0 216,749 0.00
2020 -3,258,109 0.00
2018 0 265,862,565 0.00
BBMD PT Bank Mestika Dharma Tbk 2019 0 247,573,726 0.00
2020 119,963,022 325,932,118 36.81
2018 3,753,780 15,091,763 24.87
PT Bank Negara Indonesia
BBNI 2019 3,846,119 15,508,583 24.80
(Persero) Tbk
2020 820,101 3,321,442 24.69
2018 16,194,386 32,418,486 49.95
PT Bank Raykat Indonesia
BBRI 2019 20,627,179 34,413,825 59.94
(Persero)
2020 12,125,588 18,660,393 64.98
2018 561,585 2,807,923 20.00
PT Bank Tabungan Negara
BBTN 2019 20,927 209,263 10.00
(Persero)
2020 0 1,602,358 0.00
2018 1,444,716 4,107,068 35.18
PT Bank Danamon Indonesia
BDMN 2019 1,916,652 4,240,671 45.20
Tbk
2020 393,311 1,088,942 36.12
2018 0 5,600 0.00
BGTG PT Bank Ganesha Tbk 2019 0 11,841 0.00
2020 0 3,198 0.00
2018 0 11,395 0.00
BINA PT Bank Ina Perdana Tbk 2019 0 7,115 0.00
2020 0 19,376 0.00
2018 884,429 1,552,396 56.97
PT Bank Pembangunan Daerah
BJBR 2019 931,283 1,564,492 59.53
Jawa Barat dan Banten Tbk
2020 927,568 1,689,996 54.89
2018 683,865 1,260,308 54.26
PT Bank Pembangunan Daerah
BJTM 2019 723,747 1,376,505 52.58
Jawa Timur Tbk
2020 733,508 1,488,963 49.26
2018 35,548 71,014 50.06
PT Bank Maspion Indonesia
BMAS 2019 0 59,747 0.00
Tbk
2020 33,325,962 66,968,471 49.76
2018 11,256,759 25,851,937 43.54
BMRI PT Bank Mandiri (Persero) Tbk 2019 16,489,280 28,455,592 57.95
BMRI PT Bank Mandiri (Persero) Tbk
2020 10,271,552 14,155,319 72.56
2018 25,410 92,898 27.35
BNBA PT Bank Bumi Arta Tbk 2019 13,283 51,168 25.96
2020 13,282,500 35,053,000 37.89
2018 696,496 3,482,428 20.00
BNGA PT Bank CIMB Niaga Tbk 2019 1,392,177 3,642,935 38.22
2020 1,098,577 1,830,963 60.00
2018 0 901,252 0.00
BNLI PT Bank Permata Tbk 2019 0 1,500,420 0.00
2020 0 367,904 0.00
2018 0 50,472 0.00
BSIM PT Bank Sinarmas Tbk 2019 0 6,752 0.00
2020 0 62,548 0.00
2018 574,509 2,257,884 25.44
BTPN PT Bank BTPN Tbk 2019 103,887 2,992,418 3.47
2020 76,190 1,393,730 5.47
2018 0 89,860 0.00
PT Bank China Construction
MCOR 2019 0 78,967 0.00
Bank Indonesia Tbk
2020 0 49,979 0.00
2018 799,650 1,599,347 50.00
MEGA PT Bank Mega Tbk 2019 1,001,350 2,002,733 50.00
2020 2,100,000 3,008,311 69.81
2018 0 44,748 0.00
NOBU PT Bank Nationalnobu Tbk 2019 0 45,794 0.00
2020 0 53,607 0.00
2018 98,714 537,971 18.35
PT Bank Woori Saudara
SDRA 2019 85,552 499,791 17.12
Indonesia 1906 Tbk
2020 65,809 536,001 12.28
2018 568,902 2,262,245 25.15
BNII PT. Maybank Indonesia Tbk 2019 393,029 1,924,180 20.43
2020 253,269 1,284,392 19.72
 1 82.74555 11.594336 20 2018
2 152.1271 10.581109 0 2019
3 459.8804 -6.4269342 0 2020
4 0.000539 -1.4892651 0 2018
5 7.287576 -0.2880283 0 2019
6 4.620297 4.5558764 0 2020
7 61.46028 -0.6147077 0 2018
8 6.226126 2.6351994 0 2019
9 1250.435 -0.6831035 0 2020
10 1553.614 13.366599 0 2018
11 15.89676 -4.866808 0 2019
12 9.171779 15.088035 36.80614 2020
13 34.69292 5.4940612 24.87304 2018
14 6.075339 -2.4561824 24.79994 2019
15 35.08926 -0.0206202 24.69111 2020
16 15.88875 -0.0207586 49.95417 2018
17 45.70242 -2.9985546 59.93864 2019
18 2115.062 -2.4768981 20.61114 2020
19 6.055218 4.8752081 20.00001 2018
20 147.0504 -13.410745 10.00033 2019
21 5.444714 -3.6562152 0 2020
22 12.87729 4.9823694 33.08599 2018
23 195.0877 2.0154518 34.0681 2019
24 12.54883 -13.424832 36.11864 2020
1 72.58403 -9.6833281 0 2018
2 105.9665 -11.137047 0 2019
3 430.7255 -2.0853266 0 2020
4 0.683691 -2.3499831 0 2018
5 7.827544 -1.2723718 0 2019
6 4.968639 3.4076584 0 2020
7 61.31527 -4.6385102 56.97187 2018
8 6.851173 -4.429518 59.52622 2019
9 1284.659 6.8628615 54.88581 2020
10 1057.747 8.065857 54.26174 2018
11 15.07635 -5.2065554 52.5786 2019
12 8.252975 3.0761573 49.26301 2020
13 33.28859 1.9754506 50.05739 2018
14 6.214847 2.0977457 0 2019
15 33.10732 -0.7960068 49.76366 2020
16 17.4366 0.9946186 43.54319 2018

17 50.6568 -1.136595 57.94742 2019

18 2186.056 -2.6585252 72.5632 2020

19 6.16851 -6.4120086 27.35262 2018

20 145.484 -0.284693 25.95866 2019

21 13.32404 3.6299493 37.89226 2020

22 13.35148 2.6618517 20.0003 2018

23 212.8553 -15.800217 38.21581 2019

24 11.83056 -0.8421314 59.99996 2020

1 72.69026 2.7238438 0 2018

2 123.9124 -0.001049 0 2019

 3 710.7518 -16.857124 0 2020

4 15.78464 13.401418 0 2018

5 9.186763 8.3747849 0 2019

6 5.244439 4.6182039 0 2020

7 53.383 7.5640269 0 2018

8 7.798825 7.7649787 0 2019

9 1495.659 18.446689 0 2020

10 1127.388 27.157805 0 2018

11 3.895881 -7.0308015 0 2019

12 9.401545 0.3799355 0 2020

13 -0.250144 2.117518 49.99853

14 7.248581 7.2997504 49.99918

15 35.94274 8.7206947 69.80661

16 8.984207 10.430783 0
17 42.0012 0.7498343 0
18 3126.206 5.2890111 0
19 19.37972 10.295688 0
20 199.4492 -9.471162 0
21 7.660755 -0.4048434 0
22 11.93817 2.7178173 18.34932
23 220.7919 -6.0338549 17.11756
24 4.284312 -12.815125 12.27778
 Lnz
No Bank
2018 2019
PT Bank
Rakyat
Indonesi
a
Agrionia
ga Tbk
1 82.75 72.58
 PT Bank
Capital
Indonesi
2 a Tbk 152.13 105.97
PT Bank
Bukopin
3 Tbk 459.88 430.73
PT Bank
Mestika
Dharma
4 Tbk 0.00 0.68
PT Bank
Negara
Indonesi
a
(Persero)
Tbk
5 7.29 7.83
PT Bank
Raykat
Indonesi
a
6 (Persero) 4.62 4.97
PT Bank
Tabunga
n Negara
7 (Persero) 61.46 61.32
PT Bank
Danamo
n
Indonesi
8 a Tbk 6.23 6.85
PT Bank
Ganesha
9 Tbk 1250.43 1284.66
PT Bank
Ina
Perdana
10 Tbk 1553.61 1057.75
 PT Bank
Pembang
unan
Daerah
Jawa
Barat
dan
Banten
Tbk
11 15.90 15.08
PT Bank
Pembang
unan
Daerah
Jawa
Timur
Tbk
12 9.17 8.25
PT Bank
Maspion
Indonesi
13 a Tbk 34.69 33.29
PT Bank
Mandiri
(Persero)
14 Tbk 6.08 6.21
PT Bank
Bumi
15 Arta Tbk 35.09 33.11
PT Bank
CIMB
Niaga
16 Tbk 15.89 17.44
PT Bank
Permata
17 Tbk 45.70 50.66
PT Bank
Sinarmas
18 Tbk 2115.06 2186.06
PT Bank
BTPN
19 Tbk 6.06 6.17
 PT Bank
China
Construc
tion
Bank
Indonesi
a Tbk
20 147.05 145.48
PT Bank
Mega
21 Tbk 5.44 13.32
PT Bank
National
nobu
22 Tbk 195.09 212.86
PT Bank
Woori
Saudara
Indonesi
a 1906
Tbk
23 12.55 11.83

PT
Maybank
Indonesi
a Tbk
24 24.35 27.74
Lnz
2020

72.69
 123.91

710.75

15.78

9.19

5.24

53.38

7.80

1495.66

1127.39
 3.90

9.40

-0.25

7.25

35.94

8.98

42.00

3126.21

19.38
199.45

7.66

220.79

4.28

32.22
 2020

No Modal
1 PT Bank Rakyat Indonesia Agrioniaga Tbk 4,287,690,211
2 PT Bank Capital Indonesia Tbk 1,640,391
3 PT Bank Bukopin Tbk 8,466,442
4 PT Bank Mestika Dharma Tbk 4,009,262
5 PT Bank Negara Indonesia (Persero) Tbk 112,872,199
6 PT Bank Raykat Indonesia (Persero) 199,911,376
7 PT Bank Tabungan Negara (Persero) 19,987,845
8 PT Bank Danamon Indonesia Tbk 32,236,393
9 PT Bank Ganesha Tbk 1,139,125
10 PT Bank Ina Perdana Tbk 1,217,144
PT Bank Pembangunan Daerah Jawa Barat dan Banten
11 Tbk 12,005,800
12 PT Bank Pembangunan Daerah Jawa Timur Tbk 10,004,950
13 PT Bank Maspion Indonesia Tbk 1,284,262,093
14 PT Bank Mandiri (Persero) Tbk 193,796,083
15 PT Bank Bumi Arta Tbk 1,509,386,122,943
16 PT Bank CIMB Niaga Tbk 40,066,792
18 PT Bank Permata Tbk 5,864,688
19 PT Bank Sinarmas Tbk 35,071,453
20 PT Bank BTPN Tbk 5,618,766
21 PT Bank China Construction Bank Indonesia Tbk 5,973,602
22 PT Bank Mega Tbk 15,541,438
24 PT Bank Nationalnobu Tbk 1,415,724
25 PT Bank Woori Saudara Indonesia 1906 Tbk 6,935,590
Maybank 23,769,480
 CAR
2018 2019 2020
ATMR CAR #REF!
17,689,804,333 24.24 #REF!
8,848,391 18.54 #REF!
51,805,928 16.34 #REF!
8,510,220 47.11 #REF!
528,899,296 21.34 #REF!
889,596,695 22.47 #REF!
129,249,781 15.46 #REF!
125,947,355 25.60 #REF!
2,997,161 38.01 #REF!
3,046,829 39.95 #REF!

73,923,122 16.24 #REF!

40,776,010 24.54 #REF!
7,893,465,443 0.52 #REF!
827,461,178 23.42 #REF!
5,966,972,932,277 25.30 #REF!
363,244,451 11.03 #REF!
34,303,404 17.10 #REF!
120,137,222 29.19 #REF!
11,365,610 49.44 #REF!
16,929,677 35.28 #REF!
76,153,000 20.41 #REF!
6,763,441 20.93 #REF!
79,446,251 8.73 #REF!
98,007,689 24.25
Nama DPR
2018 82.75
PT Bank Rakyat Indonesia Agrioniaga Tbk 2019 72.58
2020 72.69
2018 152.13
PT Bank Capital Indonesia Tbk 2019 105.97
2020 123.91
2018 459.88
PT Bank Bukopin Tbk 2019 430.73
2020 710.75
2018 0.00
PT Bank Mestika Dharma Tbk 2019 0.68
2020 15.78
2018 7.29
PT Bank Negara Indonesia (Persero) Tbk 2019 7.83
2020 9.19
2018 4.62
PT Bank Raykat Indonesia (Persero) 2019 4.97
2020 5.24
2018 61.46
PT Bank Tabungan Negara (Persero) 2019 61.32
2020 53.38
2018 6.23
PT Bank Danamon Indonesia Tbk 2019 6.85
2020 7.80
2018 1250.43
PT Bank Ganesha Tbk 2019 1284.66
2020 1495.66
2018 1553.61
PT Bank Ina Perdana Tbk 2019 1057.75
2020 1127.39
2018 15.90
PT Bank Pembangunan Daerah
2019 15.08
Jawa Barat dan Banten Tbk
2020 3.90
2018 9.17
PT Bank Pembangunan Daerah Jawa Timur Tbk 2019 8.25
2020 9.40
2018 34.69
PT Bank Maspion Indonesia Tbk 2019 33.29
2020 -0.25
2018 6.08
PT Bank Mandiri (Persero) Tbk 2019 6.21
2020 7.25
2018 35.09
PT Bank Bumi Arta Tbk 2019 33.11
2020 35.94
2018 15.89
PT Bank CIMB Niaga Tbk
 PT Bank CIMB Niaga Tbk 2019 17.44
2020 8.98
2018 45.70
PT Bank Permata Tbk 2019 50.66
2020 42.00
2018 2115.06
PT Bank Sinarmas Tbk 2019 2186.06
2020 3126.21
2018 6.06
PT Bank BTPN Tbk 2019 6.17
2020 19.38
2018 147.05
PT Bank China Construction Bank Indonesia Tbk 2019 145.48
2020 199.45
2018 5.44
PT Bank Mega Tbk 2019 13.32
2020 7.66
2018 195.09
PT Bank Nationalnobu Tbk 2019 212.86
2020 220.79
2018 12.55
PT Bank Woori Saudara Indonesia 1906 Tbk 2019 11.83
2020 4.28
2018 24.35

2019 27.74

PT Maybank Indonesia Tbk 2020 32.22

FCF Payot ratio
11.59 20.00 2018 4.42 2.45 3.00
-9.68 0.00 2018 4.28 Err:502 Err:502
2.72 5.00 2018 4.29 1.00 1.61
10.58 0.00 2018 5.02 2.36 Err:502
-11.14 0.00 2018 4.66 Err:502 Err:502
0.00 0.00 2018 4.82 Err:502 Err:502
-6.43 0.00 2018 6.13 Err:502 Err:502
-2.09 0.00 2018 6.07 Err:502 Err:502
-16.86 0.00 2018 6.57 Err:502 Err:502
-1.49 0.00 2018 -7.52 Err:502 Err:502
-2.35 0.00 2018 -0.38 Err:502 Err:502
13.40 36.81 2018 2.76 2.60 3.61
-0.29 24.87 2018 1.99 Err:502 3.21
-1.27 24.80 2018 2.06 Err:502 3.21
8.37 24.69 2018 2.22 2.13 3.21
4.56 49.95 2018 1.53 1.52 3.91
3.41 59.94 2018 1.60 1.23 4.09
4.62 64.98 2018 1.66 1.53 4.17
-0.61 20.00 2018 4.12 Err:502 3.00
-4.64 10.00 2018 4.12 Err:502 2.30
7.56 0.00 2018 3.98 2.02 Err:502
2.64 35.18 2018 1.83 0.97 3.56
-4.43 45.20 2018 1.92 Err:502 3.81
7.76 36.12 2018 2.05 2.05 3.59
-0.68 0.00 7.13 Err:502 Err:502
6.86 0.00 7.16 1.93 Err:502
18.45 0.00 7.31 2.91 Err:502
13.37 0.00 7.35 2.59 Err:502
8.07 0.00 6.96 2.09 Err:502
27.16 0.00 7.03 3.30 Err:502
-4.87 56.97 2.77 Err:502 4.04
-5.21 59.53 2.71 Err:502 4.09
-7.03 54.89 1.36 Err:502 4.01
15.09 54.26 2.22 2.71 3.99
3.08 52.58 2.11 1.12 3.96
0.38 49.26 2.24 -0.97 3.90
5.49 50.06 3.55 1.70 3.91
1.98 0.00 3.51 0.68 Err:502
2.12 49.76 Err:502 0.75 3.91
-2.46 43.54 1.80 Err:502 3.77
2.10 57.95 1.83 0.74 4.06
7.30 72.56 1.98 1.99 4.28
-0.02 27.35 3.56 Err:502 3.31
-0.80 25.96 3.50 Err:502 3.26
8.72 37.89 3.58 2.17 3.63
-0.02 20.00 2.77 Err:502 3.00
 0.99 38.22 2.86 -0.01 3.64
10.43 60.00 2.20 2.34 4.09
-3.00 0.00 3.82 Err:502 Err:502
-1.14 0.00 3.93 Err:502 Err:502
0.75 0.00 3.74 -0.29 Err:502
-2.48 0.00 7.66 Err:502 Err:502
-2.66 0.00 7.69 Err:502 Err:502
5.29 0.00 8.05 1.67 Err:502
4.88 25.44 1.80 1.58 3.24
-6.41 3.47 1.82 Err:502 1.24
10.30 5.47 2.96 2.33 1.70
-13.41 0.00 4.99 Err:502 Err:502
-0.28 0.00 4.98 Err:502 Err:502
-9.47 0.00 5.30 Err:502 Err:502
-3.66 50.00 1.69 Err:502 3.91
3.63 50.00 2.59 1.29 3.91
-0.40 69.81 2.04 Err:502 4.25
2.02 0.00 #REF! #REF! #REF!
-15.80 0.00 #REF! #REF! #REF!
-6.03 0.00 #REF! #REF! #REF!
-13.42 18.35 5.27 0.70 Err:502
-0.84 17.12 5.36 Err:502 Err:502
-12.82 12.28 5.40 Err:502 Err:502
-4.03 25.15 2.53 Err:502 2.91

3.73 20.43 2.47 Err:502 2.84

17.71

19.72 1.45 Err:502 2.51

3.19 Err:502 3.22

3.32 1.32 3.02

3.47 2.87 2.98

 FCF

No Code Bank

2018 2019
 PT Bank
Rakyat
Indonesi
1 AGRO
a
Agrionia
ga Tbk
11.59 -9.68
PT Bank
Capital
2 BACA
Indonesi
a Tbk 10.58 -11.14
PT Bank
3 BBKP Bukopin
Tbk -6.43 -2.09
PT Bank
Mestika
4 BBMD
Dharma
Tbk -1.49 -2.35
PT Bank
Negara
Indonesi
5 BBNI
a
(Persero)
Tbk
-0.29 -1.27

PT Bank
Raykat
6 BBRI Indonesi
a
(Persero)
4.56 3.41
PT Bank
Tabunga
7 BBTN
n Negara
(Persero) -0.61 -4.64
PT Bank
Danamo
8 BDMN n
Indonesi
a Tbk 2.64 -4.43

PT Bank
9 BGTG Ganesha
Tbk

-0.68 6.86
 PT Bank
Ina
10 BINA
Perdana
Tbk
13.37 8.07

PT Bank
Pembang
unan
Daerah
11 BJBR Jawa
Barat
dan
Banten
tbk
-4.87 -5.21
PT Bank
Pembang
unan
12 BJTM Daerah
Jawa
Timur
Tbk
15.09 3.08
PT Bank
Maspion
13 BMAS
Indonesi
a Tbk 5.49 1.98
PT Bank
Mandiri
14 BMRI
(Persero)
Tbk -2.46 2.10
PT Bank
15 BNBA Bumi
Arta Tbk -0.02 -0.80
PT Bank
CIMB
16 BNGA
Niaga
Tbk -0.02 0.99
PT Bank
17 BNLI Permata
Tbk -3.00 -1.14
PT Bank
18 BSIM Sinarmas
Tbk -2.48 -2.66
PT Bank
19 BTPN BTPN
Tbk 4.88 -6.41
 PT Bank
China
Construc
20 MCOR tion
Bank
Indonesi
a Tbk
-13.41 -0.28
PT Bank
21 MEGA Mega
Tbk -3.66 3.63
PT Bank
National
22 NOBU
nobu
Tbk 2.02 -15.80
PT Bank
Woori
Saudara
23 SDRA
Indonesi
a 1906
Tbk
-13.42 -0.84

PT
Maybank
24
Indonesi
a Tbk
BNII -4.03 3.73
 Nama Pembagian Dividen (DPR)
No. Kode Perusah (Y)
aan 2018 2019 2020
PT Bank
Rakyat
1 AGRO 20 0
Indonesi
a 5.00
PT Bank
Capital
2 BACA 0 0
Indonesi
a Tbk 0.00
PT Bank
3 BBKP Bukopin 0 0
Tbk 0.00
PT Bank
Mestika
4 BBMD 0 0
Dharma
Tbk 36.81
PT Bank
Negara
Indonesi
5 BBNI 24.87 24.2
a
(Persero)
Tbk
24.69
 PT Bank
Raykat
6 BBRI Indonesi 49.95 59.94
a
(Persero) 64.98
PT Bank
Tabunga
7 BBTN 20 10
n Negara
(Persero) 0.00
PT Bank
Danamo
8 BDMN n 35.18 45.2
Indonesi
a Tbk 36.12
PT Bank
9 BGTG Ganesha 0 0
Tbk 0.00
PT Bank
Ina
10 BINA 0 0 0.00
Perdana
Tbk

PT Bank
Pembang
unan
Daerah
11 BJBR Jawa 56.97 59.53
Barat
dan
Banten
Tbk
54.89
PT Bank
Pembang
unan
12 BJTM Daerah 54.26 52.58
Jawa
Timur
Tbk
49.26
PT Bank
Maspion
FCF 13 BMAS 50.06 0
Indonesi
a Tbk 49.76
PT Bank
Mandiri
2020 14 BMRI 43.54 57.95
(Persero)
Tbk 72.56
 PT Bank
15 BNBA Bumi 27.35 25.96
Arta Tbk

2.72 37.89
PT Bank
CIMB
16 BNGA 20 38.22
Niaga
0.00 Tbk 60.00
PT Bank
18 BNLI Permata 0 0
-16.86 Tbk 0.00

PT Bank
19 BSIM Sinarmas 0 0
Tbk
13.40 0.00

PT Bank
20 BTPN BTPN 0 0
Tbk

8.37 5.47
PT Bank
China
Construc
21 MCOR tion 0 0
Bank
Indonesi
a Tbk
4.62 0.00

PT Bank
22 MEGA Mega 50 50
Tbk
7.56 69.81

PT Bank
National
23 NOBU 0 0
nobu
Tbk
7.76 0.00
PT Bank
Woori
SaudaraI
24 SDRA 18.35 17.12
ndonesia
1906
Tbk
18.45 12.28
 PT Bank
Maybank
17 BNII 25.15 20.43
Indonesi
a Tbk
27.16 19.72

Minimum

-7.03 0 0 0

Maksimum

0.38 56.97 59.94 72.5632

Rata-rata
2.12 20.65333 19.21375 24.9681

7.30

8.72

10.43

0.75

5.29

10.30
 -9.47

-0.40

-6.03

-12.82

17.71
2020
82.74555
152.1271
459.8804
0.000539
7.287576
4.620297
61.46028
6.226126
1250.435
1553.614
15.89676
9.171779
34.69292
6.075339
35.08926
15.88875
45.70242
2115.062
6.055218
147.0504
5.444714
12.87729
195.0877
12.54883
72.58403
105.9665
430.7255
0.683691
7.827544
4.968639
61.31527
6.851173
1284.659
1057.747
15.07635
8.252975
33.28859
6.214847
33.10732
17.4366
50.6568
2186.056
 6.16851
145.484
13.32404
13.35148
212.8553
11.83056
 Coefficientsa
Collinearity
Statistics
Variabel Toleranc Keterangan
VIF
e
Risk Taking 0.971 1.029 Tidak Terjadi Multikolinearitas
Free Cash Flow 0.971 1.029 Tidak Terjadi Multikolinearitas
a. Dependent Variable: Payout Ratio

ANOVAa
Sum of
Model
Squares
Regression 8348.478
1 Residual 30292.482
Total 38640.96
a. Dependent Variable: Payout Ratio
b. Predictors: (Constant), Free Cash Flow, Risk Taking
 Coefficientsa

Coefficientsa
Standardiz
Unstandardized ed
Model Coefficients Coefficient t Sig.
s
B Std. Error Beta

(Constant) 26.034 2.716 9.584 0

Risk
-0.017 0.004 -0.447 -4.138 0
1 Taking

Free Cash
0.638 0.31 0.222 2.055 0.044
a. Flow
Dependent
Variable:
a Payout
ANOVA
Ratio
Mean
df F Sig.
Square
2 4174.239 9.508 .000b
69 439.021
71

Risk Taking