Evaluating The Performance of State Owned Banks and Private Foreign Banks In Indonesia During 2000- October 2005
Abstract
Yuresta, Desi (2006). Evaluating The Performance of State Owned Banks And
Private Foreign Banks In Indonesia During 2000-October 2005. Yogyakarta. Faculty
ofEconomics. Islamic University of Indonesia.
This research aims to evaluate and compare the performance of state-owned
banksand private foreign banks in Indonesia for the period of 2000-October 2005 by
using the CAMEL method. CAMEL is one method to evaluate the banks
performance. In CAMEL method we evaluated five aspects: Capital, Assets,
Management, Earnings, and Liquidity.
In this research capital is proxywith CAR, Assets is represented by BDRand
Classified Assets Reserves, Management is proxy with NPM, Earnings are scoring
with ROA and Operating Efficiency Ratio, and liquidity is represented by LDR and
CML.
This research applies linear regression model of the CAR, BDR, Classified
Asets Reserves, NPM, ROA, Operating Efficiency Ratio, LDR and CML as the
independent variables and CAMEL score as the dependent variable. The result of this
research shows that that only Classified Assets reserves, ROA, Operating Efficiency
Ratio and CML that have a significant difference in performance of state-owned
banks and private foreign banks. Moreover, CAR, BDR, NPM, and LDR variables
are insignificant. The CAMEL score between state-owned banks and private foreign
banks is also insignificant. It seems that the banks performance between those two
banks is not different. It may happen because Bank Indonesia has set up a special
regulation to maintain the bank performance in Indonesia.
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