| Summary: | An effort to improve the performance of the banking becomes very
important and vital for national development, because the banks have been
recognized that they have an important role in developing the national economy.
Bank Indonesia set of banking performance assessment carried out by measuring
the level of bank health. Bank Rating conducted by Risk approach - Based Bank
Rating, with a range of assessment including the risk profile (risk profile),
Corcopate Good Governance (GCG), Profitability (earnings), and Capital
(capital).
Different ownership from each bank determines the policy and the way of
managing (management) for each banks itself, and could give different impact to
the result in their health for each bank. This study aims to compare the health of
banks, private banks and foreign banks, with the sample for each - each group of
banks amounted to 4 (four) banks. Analysis technique used is One Way Anova.
The results of this study indicate, foreign banks have high levels of credit
risk, market risk and liquidity risk is higher than the state banks and foreign
banks. But foreign banks also generate the highest return on assets than the other
three banks, although the acquisition of its NIM smallest. This is indicative of the
efficiency occurs at a foreign bank, where foreign banks can reduce the cost of
issuance.
From the results of statistical tests obtained significant differences in the
Non - performing loans, exposure to market risk and liquidity risk exposure
between the government banks, private banks and foreign banks. While on the
Return On Assets (ROA), Net Interest Margin (NIM), and CAR / CAR, no
significant differences between groups of banks, private banks and foreign banks.
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