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  • Analisis Laporan Keuangan PT Bank Pan Indonesia Tahun 2006 - 2007

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    Cozilla Vaio
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    The document analyzes the financial reports of PT Bank Pan Indonesia for 2006-2007. It shows that the bank's return on assets (ROA) was stable at 0.02 for both years, while its return on equity (ROE) increased from 0.10 in 2006 to 0.11 in 2007. Various financial ratios such as net interest margin, earnings quality, leverage, expenses, and provision for loan losses are also presented and compared between the two years.

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    The document analyzes the financial reports of PT Bank Pan Indonesia for 2006-2007. It shows that the bank's return on assets (ROA) was stable at 0.02 for both years, while its return on equity (ROE) increased from 0.10 in 2006 to 0.11 in 2007. Various financial ratios such as net interest margin, earnings quality, leverage, expenses, and provision for loan losses are also presented and compared between the two years.

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    17 views3 pages

    Analisis Laporan Keuangan PT Bank Pan Indonesia Tahun 2006 - 2007

    Uploaded by

    Cozilla Vaio
    The document analyzes the financial reports of PT Bank Pan Indonesia for 2006-2007. It shows that the bank's return on assets (ROA) was stable at 0.02 for both years, while its return on equity (ROE) increased from 0.10 in 2006 to 0.11 in 2007. Various financial ratios such as net interest margin, earnings quality, leverage, expenses, and provision for loan losses are also presented and compared between the two years.

    Copyright:

    Attribution Non-Commercial (BY-NC)
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    of 3

    ANALISIS LAPORAN KEUANGAN PT BANK PAN INDONESIA TAHUN 2006 - 2007

    2007 Net Income 2006 Net Income Pemanfaatan asset untuk menghasi
    ROA = ROA =
    Total Asset Total Asset semakin besar ROA semakin efisien
    852,252 652,013 total asset untuk menghasilkan inco
    ROA = ROA =
    53,470,645 40,514,765
    ROA = 0.02 ROA = 0.02

    2007 Net Income 2006 Net Income


    ROE = ROE =
    Total Equity Total Equity
    852,252 652,013
    ROE = ROE =
    7,500,147 6,614,388
    ROE = 0.11 ROE = 0.10

    2007 Leverage Keuangan = ROE - ROA 2006 Leverage Keuangan = ROE - ROA
    = 0.09 = 0.08

    2007 2006
    Margin Laba Margin Laba
    Laba Bersih Laba Bersih
    = =
    Pendapatan Bunga Bersih Pendapatan Bunga Bersih
    852,252 652,013
    = x 100 % = x 100 %
    2,255,755 1,564,990
    = 37.78% = 41.66%

    2007 2006
    Kualitas Laba Kualitas Laba
    Arus Kas dari Aktivitas Operasi Arus Kas dari Aktivitas Operasi
    = =
    Laba Bersih Laba Bersih
    1,909,516 2,383,753
    = =
    852,252 652,013
    = 2.24 = 3.66

    2007 2006
    Net Income Average Total Asset Net Income Average Total Asset
    ROE = X ROE = X
    Average Total Asset Average Total Equity Average Total Asset Average Total Equity
    852,252 53,470,645 652,013 40,514,765
    ROE = X ROE = X
    53,470,645 7,500,147 40,514,765 6,614,388
    ROE = 0.11 ROE = 0.10

    TR = 4.349.268 + 600.333 - 102.653 TR = 3.901.526 + 761.167 - 78.266


    4,846,948 4,584,427
    EXP = 2.093.513 + 169.274 + 4.622 + 1.323.793 + 49.187 EXP = 2.336.536 + 122.628 + 68.888 + 1.069.877 + 22.442
    3,640,389 3,620,371

    2007 TAX = 354,307 2006 TAX = 312,043

    NI = TR - EXP - TAX
    NI = 852,252 NI = TR - EXP - TAX
    NI = 652,013
    Total Revenue
    AU =
    Average Total Assets
    4,846,948
    AU =
    53,470,645
    AU = 0.09

    Total Operating Expense


    ER =
    Average Total Assets
    3,640,389
    ER =
    53,470,645
    ER = 0.07

    Applicable Income Taxes


    TAX =
    Average Total Assets
    354,307
    TAX =
    53,470,645
    TAX = 0.01

    ROA =AU - ER - TAX


    ROA = 0.02

    Interest Expense Ratio


    Interest Expense
    =
    Average Total Assets
    2,093,513
    =
    53,470,645
    = 0.04

    Non Interest Expense Ratio


    Noninterest Expense
    =
    Average Total Assets
    1,546,876
    =
    53,470,645
    = 0.03

    Provision for Loan Loss Ratio


    Provision for Loan Loss
    =
    Average Total Assets
    2,753,435
    =
    =
    53,470,645
    = 0.05
    n asset untuk menghasilkan net income,
    sar ROA semakin efisien pemanfaatan
    untuk menghasilkan income.

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