Rumus Rumus Alma

Capital Adequacy Ration

            Capital Adequacy Ration adalah gambaran mengenai kemampuan bank syariah mampu memenuhi kecukupan modalnya. Keadaan nilai kecukupan modal bank ini dihitung dengan rumus sebagai berikut :

a.       Risk Asset Ratio (CI = Capital Intelegence)

Total Capital – Investment in Subsidiearis – Fixed Asset                  =………..%

                        Risk Weighted Asset

b.      Risk Asset Ratio (BIS = Bank of International Settlements)

Total Capital – Investment in Financial Subsidiary                =………%

                        Risk Weighted Asset

c.       Risk Asset Ratio to Local Standars

Risk Asset Ratio   VS   Local Capital Adequacy Standard

d.      BIS Risk Asset Ratio on tier one Capital

Tier one Capital – Investment in Financial Subsidiaries

                        Risk Weighted Asset

e.       Leverage on Total Capital

Total Liabilities – Total Capital

            Total Capital

f.       Free Capital Funda (Local Curreney)

Total Capital – Investment in Subsidiaries – Fixed Asset                  =…..?

g.      CI Risk Asset Ratio Shortfall

If CI Risk Asset Ratio is less than 6%

h.      BIS Risk Asset Ratio Shortfall

If BIS Risk Asset Ratio is less than 8%

i.        Management Delinquency Riak

Tier 1  +  Tier 2

(Total Risk Weighted Asset – Inv. A/C) x ?%

Asset Quality Ratio

Rasio ini adalah digunakan untuk mengukur seberapa baik kualitas aset bank syariah. Rasio ini dihitung dengan rumus-rumus sebagai berikut:

a.       Islamic Facilities Loss provision on net Islamic facilities + Provision charger:

Provision for doubtful Islamic Facilities charge                           =…..%

Net Islamic facilities + Provision for doubtful Islamic facilities charge

b.      Islamic Facilities Loss provision to total Islamic facilities:

Islamic Facilities Loss provision                                                   =……%

Gross Islamic Facilities

c.       Non- performing (Overdue) Islamic facilities to total facilities:

Overdue Islamic Facilities                        =….%

Gross Islamic Facilities

d.      Adequacy of Loss Provision

Islamic Facilities Loss Provision               =….%

Overdue Islamic Facilities

e.       Islamic facilities write-offs ratio

Write-offs                                                 =…..%

Net IF + Provision Charge

f.       Related Party risk weighted Asset Ratio:

Related party risk weighted Asset                        +…..%

Total Risk weighted Asset

Financial Marketing (Investmen)

Adalah gambarang tentang kemampuan bank syariah terlihat dari dalam pasar modal atau dalam bentuk investasi. Rasio ini dihitung dengan rumus-rumus sebagai berikut:

a.       Payout Ratio

Dividens  x  100%                                                      =….%

Net Profit

b.      Dividens per share(DPS)

Dividens                                                                      =….%

No. of Shares

c.       Dividen Return on capital Ratio

Divident                                                                      =….%

Average Tier (1) Capital

d.      Book Value per Share

Tier (1) Capital                                                            =  Rp……

No. of Share

e.       Market Value per  Share

Stock exchange (end of year) fiqure                           = Rp…..

f.       Earning per Share  (EPS)

Net Profit                                            = Rp…..

No. of Share

g.      Price/Earning Ratio

Market Value of Share                                                = …..kali

EPS

h.      Dividen Yield Ratio

DPS     x 100%                                               =….%

        Market Value of Share

Size and Growth Indikators

            Ini adalah ukuran atau indukator besar dan pertumbuhan bank syariah dalam periode tertentu. Perhitungan tentang ukuran indicator pertumbuhan ini dihitung dengan formula sebagai berikut:

a.       Ukuran bank

1)      Total Asset                                                                        =Rp……

2)      Total Deposits                                                       =Rp……

3)      Total capital                                                          = Rp…..

4)      Risk weighted Asset on Total footing

Risk weighted Asset                                             =……%

Total footing

5)      Total Contingents to total footing

Total Contingents                                                             =……%

Total footing

b.      Pertumbuhan Bank

1)      Growth Rate of Customer Deposits

This year costemers deposits – Last years cost Deposits              =……%

Last years cost Deposits

2)      Growth Rate of other Deposits

This year costemers deposits – Last years other Deposits                        =….%

Last years Deposite

3)      Growth Rate of Total Deposits

This year deposits – Last years Deposits                                      =…..%

Last years Deposite

4)      Growth Rate of Mudharabah Funds

This year Mudharabah Funds – Last years Mudharabah Funds   =…%

Last years  Mudharabah Funds

5)      Growth Rate of Revenue items:

a.       Growth Rate of Mudharabah share of Profit

This years Profit – last years Profit                                         =……%

Last years Profit

b.      Growth Rate of Banking Services Revenue (BSR)

This years BSR – last years BSR                                                        =…..%

Last years BSR

c.       Growth Rate of Investment Revenue (IR)

This years IR – Last years IR                                                             =……%

Last Years IR

6)      Growth Rate of Expense items

a)      Growth Rate of Mudharabah Expenses

This years Mudharabah Exp – Last years Mudharabah Exp =…..%

Last years Mudharabah Exp

b)      Growth Rate of Staff Cost

This years Staff Cost – Last years Staff Cost                                    =….%

Last years BSR

c)      Growth Rate of Other Overheads

This years Overheads – last years Overheads                                     =…..%

Last years Overheads

7)      Growth Rate of Total Assets

Total Assets this years – Assets year Total Assets                                   =….%

Last year total Assets