Abstract. Branchless Banking is a finalcial services industry’s commitment form that is Strategi Nasional Keuangan Inklusif (SNKI) program. Laku Pandai (Branchless Banking) is an activity that provide banking services and/or other financial services that is done not trough the office network, but through a cooperation with other parties and needs to be supported by the use of information technology advice. The pupose of this research is to know the comparation Third-party Funds, Operational Cost Operational Income (BOPO), Profitability (ROA) and Liquidity (LDR) before and after implementing branchelss banking quarter I in 2013 – quarter II in 2017 period. The sample that have been studied are BUMN Bank that registered in Financial Fervices Authority. To show is the differences by using Statistic Test. This study result by using non-parametic statistic test that is Wilcoxon Signed-Rank Test shows that there is the differences in Thrid-party Funds, Operational Cost Operational Income (BOPO), Profitability (ROA) and Liquidity (LDR) of BUMN Bank before and after implementing Laku Pandai (Branchless Banking). Third Party Fund increased by 32% after branchless banking. Operational Cost Operational Income (BOPO) by 8%, but still in good condition and efficient. Profitability decreased after branchless banking by 18.63%. Liquidity increased by 2.59% after branchless banking.Keywoards: Branchless Banking,, Thrid-party Funds, Operational Cost Operational Income (BOPO), Profitability (ROA) and Liquidity (LDR)  Abstrak. Laku Pandai merupakan salah satu wujud komitmen dari industri jasa keuangan yaitu program strategi nasional keuangan inklusif (SNKI). Laku Pandai (Branchless Banking) yaitu kegiatan yang menyediakan layanan perbankan dan/atau layanan keuangan lainnya yang dilakukan tidak melalui jaringan kantor, namun melalui kerja sama dengan pihak lain dan perlu didukung dengan penggunaan saranan teknologi infomasi. Penelitian ini memiliki tujuan untuk mengetahui perbandingan dana pihak ketiga, biaya operasional terhadap pendapatan operasional (BOPO), Profitabilitas (ROA), dan Likuiditas (LDR) antara sebelum dan sesudah menerapkan laku pandai periode triwulan I tahun 2013 – triwulan II tahun 2017. Sampel yang diteliti adalah Bank BUMN. Untuk menunjukan adanya perbedaan dengan menggunakan uji statistik. Hasil penelitian dengan menggunakan metode uji statistic non-parametik Wilcoxon Signed-Rank Test menunjukan Dana pihak ketiga, Biaya operasional terhadap Pendapatan Operasional (BOPO), Profitabilitas (ROA), Likuiditas (LDR) terdapat perbedaan pada Bank BUMN sebelum dan sesudah penerapan laku pandai.. Dana Pihak Ketiga naik sebesar 32% sesudah laku pandai. Biaya Operasional terhadap Pendapatan Operasional naik sebesar 8% tetapi masih dalam kondisi baik. Profitabilitas sesudah laku pandai turun sebesar 18.63%. Likuiditas sesudah penerapan laku pandai naik sebesar 2.59%.Kata Kunci: Branchless Banking), Dana Pihak Ketiga, Biaya Operasional terhadap Pendapatan Operasional (BOPO), Profitabilitas (ROA), Likuiditas (LDR).