Indonesia Conference Directory

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.