ANALISIS PERBANDINGAN TINGKAT KESEHATAN BANK
Iwan Firdaus and Sunia Hedy Qumaira
Universitas Mercu Buana
Abstract
The purpose of this research was to analyze the comparison of the soundness level of state-owned public banking with private-owned banking in Indonesia during the period 2012-2016. This research was conducted using the Capital approach with CAR ratio, Risk Profile with NPL & LDR ratios, and Earnings with ROA & NIM ratios. The sample of this study amounted to 8 banks consisting of 4 state-owned banks and 4 private banks. Normality testing uses the Kolmogorov-Smirnov test and hypothesis testing using the Independent t-test also Mann-Whitney test U-test. From the results of this study it is known that there are significant differences in ROA & NIM ratios, while there is no significant difference in the CAR, NPL & LDR ratios. Whereas, based on the average CAR, NIM and ROA, state-owned banking is better at a level of soundness compared to private-owned banks, and the NPL & LDR ratio of private-owned banks is better than the state-owned banking.
Keywords: bank, comparison, capital, risk, earnings
Topic: Accounting and Financial Management