MERGER LIPPO BANK DAN
BANK NIAGA MENJADI CIMB NIAGA
NAMA KELOMPOK :
ASKA YOEL TAMBAJONG ( 21214741 )
FERGIAWAN RISDIANTO ( 2D214054 )
JOSES MORGANDA (
25214702 )
MUCHAMAD ENDRO WICAKSONO ( 26214853 )
SENO TRI UTOMO (
2A214135 )
TEGAR ROBIYA AKHIR ( 2A214702 )
KELAS :
3 EB 35
1. Permodalan (CAR )
Sebelum Merger
|
Sesudah Merger
|
||||
Bulan
|
CAR
|
CAR
|
Bulan
|
||
Niaga
|
Lippo
|
Rata-Rata
|
CIMB Niaga
|
||
Januari-06
|
16,38%
|
21,44%
|
18,91%
|
13,15%
|
Januari-09
|
Februari-06
|
16,27%
|
20,58%
|
18,43%
|
12,33%
|
Februari-09
|
Maret-06
|
15,91%
|
19,42%
|
17,67%
|
16,88%
|
Maret-09
|
April-06
|
15,60%
|
17,96%
|
16,78%
|
17,32%
|
April-09
|
Mei-06
|
14,93%
|
17,69%
|
16,31%
|
16,12%
|
Mei-09
|
Juni-06
|
14,72%
|
17,06%
|
15,89%
|
15,30%
|
Juni-09
|
Juli-06
|
17,22%
|
19,64%
|
18,43%
|
15,55%
|
Juli-09
|
Agustus-06
|
16,75%
|
18,79%
|
17,77%
|
15,63%
|
Agustus-09
|
September-06
|
16,56%
|
17,89%
|
17,23%
|
15,03%
|
September-09
|
Oktober-06
|
16,76%
|
17,51%
|
17,14%
|
14,90%
|
Oktober-09
|
November-06
|
16,82%
|
17,15%
|
16,99%
|
14,21%
|
November-09
|
Desember-06
|
16,51%
|
23,46%
|
19,99%
|
13,46%
|
Desember-09
|
Januari-07
|
17,71%
|
24,62%
|
21,17%
|
13,62%
|
Januari-10
|
Februari-07
|
18,68%
|
24,68%
|
21,68%
|
13,49%
|
Februari-10
|
Maret-07
|
18,45%
|
26,11%
|
22,28%
|
13,08%
|
Maret-10
|
April-07
|
17,75%
|
24,47%
|
21,11%
|
12,94%
|
April-10
|
Mei-07
|
17,88%
|
25,96%
|
21,92%
|
12,54%
|
Mei-10
|
Juni-07
|
17,77%
|
24,43%
|
21,10%
|
12,23%
|
Juni-10
|
Juli-07
|
17,73%
|
22,88%
|
20,31%
|
12,65%
|
Juli-10
|
Agustus-07
|
17,14%
|
22,05%
|
19,60%
|
12,49%
|
Agustus-10
|
September-07
|
17,03%
|
20,88%
|
18,96%
|
12,55%
|
September-10
|
Oktober-07
|
16,25%
|
21,72%
|
18,99%
|
12,20%
|
Oktober-10
|
November-07
|
15,98%
|
21,29%
|
18,64%
|
12,03%
|
November-10
|
Desember-07
|
15,64%
|
20,37%
|
18,01%
|
13,18%
|
Desember-10
|
Rata-Rata
|
16,77%
|
21,17%
|
18,97%
|
13,87%
|
Rata-Rata
|
Terjadi penurunan rata-rata rasio CAR
setelah
merger, ini menunjukkan
kinerja keuangan Bank CIMB Niaga dari segi CAR lebih baik sebelum merger.
2. Kualitas Aktiva Produktif (Asset)
Sebelum Merger
|
Sesudah Merger
|
||||
Bulan
|
NPL
|
NPL
|
Bulan
|
||
Niaga
|
Lippo
|
Rata-Rata
|
CIMB Niaga
|
||
Januari-06
|
4,30%
|
1,33%
|
2,82%
|
3,67%
|
Januari-09
|
Februari-06
|
4,27%
|
1,22%
|
2,75%
|
4,83%
|
Februari-09
|
Maret-06
|
4,05%
|
6,04%
|
5,05%
|
4,84%
|
Maret-09
|
April-06
|
3,94%
|
1,02%
|
2,48%
|
4,82%
|
April-09
|
Mei-06
|
3,57%
|
1,00%
|
2,29%
|
5,11%
|
Mei-09
|
Juni-06
|
3,29%
|
0,92%
|
2,11%
|
4,96%
|
Juni-09
|
Juli-06
|
5,57%
|
2,06%
|
3,82%
|
5,18%
|
Juli-09
|
Agustus-06
|
5,41%
|
2,00%
|
3,71%
|
5,02%
|
Agustus-09
|
September-06
|
3,99%
|
2,02%
|
3,01%
|
5,05%
|
September-09
|
Oktober-06
|
4,09%
|
1,99%
|
3,04%
|
5,01%
|
Oktober-09
|
November-06
|
3,89%
|
2,16%
|
3,03%
|
4,88%
|
November-09
|
Desember-06
|
3,70%
|
1,97%
|
2,84%
|
4,99%
|
Desember-09
|
Januari-07
|
4,43%
|
2,31%
|
3,37%
|
3,10%
|
Januari-10
|
Februari-07
|
4,16%
|
2,17%
|
3,17%
|
3,14%
|
Februari-10
|
Maret-07
|
4,62%
|
13,16%
|
8,89%
|
3,06%
|
Maret-10
|
April-07
|
4,78%
|
1,92%
|
3,35%
|
2,92%
|
April-10
|
Mei-07
|
4,79%
|
1,87%
|
3,33%
|
2,94%
|
Mei-10
|
Juni-07
|
4,42%
|
11,14%
|
7,78%
|
2,67%
|
Juni-10
|
Juli-07
|
5,50%
|
1,73%
|
3,62%
|
2,87%
|
Juli-10
|
Agustus-07
|
5,35%
|
1,68%
|
3,52%
|
2,57%
|
Agustus-10
|
September-07
|
4,77%
|
9,85%
|
7,31%
|
0,92%
|
September-10
|
Oktober-07
|
4,88%
|
1,50%
|
3,19%
|
2,76%
|
Oktober-10
|
November-07
|
4,59%
|
7,22%
|
5,91%
|
2,61%
|
November-10
|
Desember-07
|
4,15%
|
6,91%
|
5,53%
|
2,52%
|
Desember-10
|
Rata-Rata
|
4,44%
|
3,55%
|
3,99%
|
3,77%
|
Rata-Rata
|
Terjadi penurunan rata-rata
rasio
NPL setelah merger, ini menunjukkan
kinerja keuangan Bank CIMB Niaga dari segi NPL lebih baik sebelum merger.
3. BOPO
Bulan
|
BOPO
|
BOPO
|
Bulan
|
||
Niaga
|
Lippo
|
Rata-Rata
|
CIMB Niaga
|
||
Januari-06
|
79,26%
|
65,32%
|
72,29%
|
122,14%
|
Januari-09
|
Februari-06
|
78,86%
|
66,91%
|
72,89%
|
118,93%
|
Februari-09
|
Maret-06
|
73,96%
|
84,12%
|
79,04%
|
130,44%
|
Maret-09
|
April-06
|
76,28%
|
81,38%
|
78,83%
|
120,77%
|
April-09
|
Mei-06
|
74,96%
|
81,71%
|
78,34%
|
70,99%
|
Mei-09
|
Juni-06
|
73,60%
|
81,06%
|
77,33%
|
69,54%
|
Juni-09
|
Juli-06
|
65,37%
|
64,80%
|
65,09%
|
69,22%
|
Juli-09
|
Agustus-06
|
65,34%
|
62,79%
|
64,07%
|
69,88%
|
Agustus-09
|
September-06
|
65,14%
|
62,57%
|
63,86%
|
69,77%
|
September-09
|
Oktober-06
|
64,76%
|
61,09%
|
62,93%
|
71,04%
|
Oktober-09
|
November-06
|
65,00%
|
20,10%
|
42,55%
|
72,73%
|
November-09
|
Desember-06
|
65,84%
|
72,54%
|
69,19%
|
72,05%
|
Desember-09
|
Januari-07
|
66,11%
|
48,21%
|
57,16%
|
60,11%
|
Januari-10
|
Februari-07
|
66,36%
|
51,65%
|
59,01%
|
64,69%
|
Februari-10
|
Maret-07
|
35,24%
|
68,31%
|
51,78%
|
64,36%
|
Maret-10
|
April-07
|
67,41%
|
63,95%
|
65,68%
|
65,37%
|
April-10
|
Mei-07
|
67,90%
|
64,22%
|
66,06%
|
63,79%
|
Mei-10
|
Juni-07
|
69,76%
|
63,73%
|
66,75%
|
67,58%
|
Juni-10
|
Juli-07
|
70,30%
|
69,02%
|
69,66%
|
69,63%
|
Juli-10
|
Agustus-07
|
71,30%
|
68,44%
|
69,87%
|
66,29%
|
Agustus-10
|
September-07
|
70,92%
|
66,11%
|
68,52%
|
66,72%
|
September-10
|
Oktober-07
|
71,22%
|
64,04%
|
67,63%
|
66,90%
|
Oktober-10
|
November-07
|
72,00%
|
64,10%
|
68,05%
|
67,34%
|
November-10
|
Desember-07
|
71,61%
|
62,86%
|
67,24%
|
65,39%
|
Desember-10
|
Rata-Rata
|
68,69%
|
64,96%
|
66,82%
|
76,90%
|
Rata-Rata
|
Terjadi peningkatan rata-rata rasio BOPO setelah merger, ini menunjukkan kinerja keuangan Bank CIMB Niaga dari segi BOPO lebih baik sesudah merger.
4. Return on Assets (ROA)
Sebelum Merger
|
Sesudah Merger
|
||||
Bulan
|
ROA
|
ROA
|
Bulan
|
||
Niaga
|
Lippo
|
Rata-Rata
|
CIMB Niaga
|
||
Januari-06
|
0,11%
|
0,21%
|
0,16%
|
-0,13%
|
Januari-09
|
Februari-06
|
0,25%
|
0,35%
|
0,30%
|
-0,26%
|
Februari-09
|
Maret-06
|
0,51%
|
0,40%
|
0,46%
|
-0,08%
|
Maret-09
|
April-06
|
0,64%
|
0,34%
|
0,49%
|
0,22%
|
April-09
|
Mei-06
|
0,79%
|
0,43%
|
0,61%
|
0,78%
|
Mei-09
|
Juni-06
|
0,99%
|
0,53%
|
0,76%
|
0,96%
|
Juni-09
|
Juli-06
|
1,37%
|
1,39%
|
1,38%
|
1,20%
|
Juli-09
|
Agustus-06
|
1,60%
|
1,72%
|
1,66%
|
1,38%
|
Agustus-09
|
September-06
|
1,70%
|
1,94%
|
1,82%
|
1,59%
|
September-09
|
Oktober-06
|
1,81%
|
1,24%
|
1,53%
|
1,78%
|
Oktober-09
|
November-06
|
1,90%
|
1,42%
|
1,66%
|
1,78%
|
November-09
|
Desember-06
|
2,02%
|
1,72%
|
1,87%
|
2,01%
|
Desember-09
|
Januari-07
|
0,19%
|
0,46%
|
0,33%
|
0,26%
|
Januari-10
|
Februari-07
|
0,39%
|
0,78%
|
0,59%
|
0,46%
|
Februari-10
|
Maret-07
|
0,62%
|
0,74%
|
0,68%
|
0,66%
|
Maret-10
|
April-07
|
0,84%
|
1,08%
|
0,96%
|
0,85%
|
April-10
|
Mei-07
|
1,09%
|
1,37%
|
1,23%
|
1,10%
|
Mei-10
|
Juni-07
|
1,27%
|
1,45%
|
1,36%
|
1,20%
|
Juni-10
|
Juli-07
|
1,39%
|
1,30%
|
1,35%
|
1,42%
|
Juli-10
|
Agustus-07
|
1,49%
|
1,48%
|
1,49%
|
1,64%
|
Agustus-10
|
September-07
|
1,64%
|
1,80%
|
1,72%
|
1,85%
|
September-10
|
Oktober-07
|
1,79%
|
1,93%
|
1,86%
|
2,01%
|
Oktober-10
|
November-07
|
1,86%
|
2,13%
|
2,00%
|
2,10%
|
November-10
|
Desember-07
|
1,88%
|
2,39%
|
2,14%
|
2,34%
|
Desember-10
|
Rata-Rata
|
1,17%
|
1,19%
|
1,18%
|
1,13%
|
Rata-Rata
|
Terjadi Penurunan rata-rata
rasio ROA setelah merger, hal ini menunjukkan kinerja keuangan Bank CIMB Niaga dari segi ROA lebih baik sebelum merger.
5. Return on Equity (ROE)
Sebelum Merger
|
Sesudah Merger
|
||||
Bulan
|
ROE
|
ROE
|
Bulan
|
||
Niaga
|
Lippo
|
Rata-Rata
|
CIMB Niaga
|
||
Januari-06
|
0,68%
|
1,03%
|
0,86%
|
-1,12%
|
Januari-09
|
Februari-06
|
1,61%
|
1,81%
|
1,71%
|
-2,34%
|
Februari-09
|
Maret-06
|
3,20%
|
2,14%
|
2,67%
|
-0,57%
|
Maret-09
|
April-06
|
4,00%
|
1,71%
|
2,86%
|
1,25%
|
April-09
|
Mei-06
|
4,90%
|
2,13%
|
3,52%
|
4,62%
|
Mei-09
|
Juni-06
|
6,51%
|
2,71%
|
4,61%
|
5,94%
|
Juni-09
|
Juli-06
|
7,56%
|
9,27%
|
8,42%
|
7,26%
|
Juli-09
|
Agustus-06
|
10,67%
|
11,53%
|
11,10%
|
8,46%
|
Agustus-09
|
September-06
|
10,15%
|
13,01%
|
11,58%
|
9,90%
|
September-09
|
Oktober-06
|
10,42%
|
6,43%
|
8,43%
|
10,61%
|
Oktober-09
|
November-06
|
10,91%
|
9,13%
|
10,02%
|
11,21%
|
November-09
|
Desember-06
|
11,75%
|
9,27%
|
10,51%
|
13,00%
|
Desember-09
|
Januari-07
|
0,19%
|
2,39%
|
1,29%
|
1,68%
|
Januari-10
|
Februari-07
|
2,09%
|
3,99%
|
3,04%
|
3,05%
|
Februari-10
|
Maret-07
|
3,39%
|
3,47%
|
3,43%
|
4,56%
|
Maret-10
|
April-07
|
4,62%
|
144,02%
|
74,32%
|
0,67%
|
April-10
|
Mei-07
|
5,82%
|
6,66%
|
6,24%
|
7,99%
|
Mei-10
|
Juni-07
|
6,85%
|
7,59%
|
7,22%
|
9,37%
|
Juni-10
|
Juli-07
|
7,68%
|
6,65%
|
7,17%
|
10,06%
|
Juli-10
|
Agustus-07
|
8,35%
|
7,60%
|
7,98%
|
11,53%
|
Agustus-10
|
September-07
|
9,84%
|
9,18%
|
9,51%
|
13,22%
|
September-10
|
Oktober-07
|
10,51%
|
9,76%
|
10,14%
|
14,53%
|
Oktober-10
|
November-07
|
11,22%
|
10,76%
|
10,99%
|
16,17%
|
November-10
|
Desember-07
|
12,43%
|
12,40%
|
12,42%
|
16,56%
|
Desember-10
|
Rata-Rata
|
6,89%
|
12,28%
|
9,58%
|
7,40%
|
Rata-Rata
|
Terjadi penurunan rata-rata rasio
ROE
setelah
merger, ini
menunjukkan
kinerja keuangan Bank CIMB Niaga dari segi ROE lebih baik sebelum merger.
6. Net Interest Margin
(NIM)
Sebelum Merger
|
Sesudah Merger
|
||||
Bulan
|
NIM
|
NIM
|
Bulan
|
||
Niaga
|
Lippo
|
Rata-Rata
|
CIMB Niaga
|
||
Januari-06
|
0,41%
|
0,45%
|
0,43%
|
0,39%
|
Januari-09
|
Februari-06
|
0,81%
|
0,86%
|
0,84%
|
0,82%
|
Februari-09
|
Maret-06
|
1,26%
|
1,10%
|
1,18%
|
1,31%
|
Maret-09
|
April-06
|
1,68%
|
1,74%
|
1,71%
|
1,83%
|
April-09
|
Mei-06
|
2,07%
|
2,27%
|
2,17%
|
2,54%
|
Mei-09
|
Juni-06
|
2,45%
|
2,68%
|
2,57%
|
3,00%
|
Juni-09
|
Juli-06
|
3,39%
|
3,82%
|
3,61%
|
3,68%
|
Juli-09
|
Agustus-06
|
3,89%
|
4,35%
|
4,12%
|
4,20%
|
Agustus-09
|
September-06
|
4,28%
|
4,77%
|
4,53%
|
4,74%
|
September-09
|
Oktober-06
|
4,81%
|
5,30%
|
5,06%
|
5,33%
|
Oktober-09
|
November-06
|
5,13%
|
5,42%
|
5,28%
|
5,70%
|
November-09
|
Desember-06
|
5,36%
|
5,82%
|
5,59%
|
6,06%
|
Desember-09
|
Januari-07
|
0,47%
|
0,65%
|
0,56%
|
0,52%
|
Januari-10
|
Februari-07
|
0,97%
|
1,15%
|
1,06%
|
0,98%
|
Februari-10
|
Maret-07
|
3,18%
|
1,69%
|
2,44%
|
1,48%
|
Maret-10
|
April-07
|
2,02%
|
2,16%
|
2,09%
|
1,92%
|
April-10
|
Mei-07
|
2,62%
|
2,58%
|
2,60%
|
2,37%
|
Mei-10
|
Juni-07
|
3,07%
|
2,82%
|
2,95%
|
3,03%
|
Juni-10
|
Juli-07
|
3,51%
|
3,26%
|
3,39%
|
3,35%
|
Juli-10
|
Agustus-07
|
3,85%
|
3,74%
|
3,80%
|
3,55%
|
Agustus-10
|
September-07
|
4,21%
|
4,14%
|
4,18%
|
1,77%
|
September-10
|
Oktober-07
|
4,66%
|
4,61%
|
4,64%
|
4,77%
|
Oktober-10
|
November-07
|
5,00%
|
5,09%
|
5,05%
|
5,15%
|
November-10
|
Desember-07
|
4,89%
|
5,44%
|
5,17%
|
5,25%
|
Desember-10
|
Rata-Rata
|
3,08%
|
3,16%
|
3,12%
|
3,07%
|
Rata-Rata
|
Terjadi penurunan
rata-rata rasio
NIM
setelah
merger,
ini
menunjukkan
kinerja keuangan Bank CIMB Niaga dari segi NIM lebih baik sebelum merger.
Straregi Bisnis
1. manajemen harus seorang pekerja keras
2. berfiikir kritis
3. berani mengambil resiko
Strategi Manajemen
1. Memperluas jaringan bisnis
2. Menguasai persaingan perbankan
3. Meningkatkan omset yang diharapkan
4. Memaksimalkan kepuasan nasabah
5. Memenuhi kebutuhan nasabah
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