ANALISIS PERBANDINGAN EFEKTIFITAS KINERJA KEUANGAN BANK ASING DAN BANK CAMPURAN DI INDONESIA BERDASARKAN ANALISIS RETURN DAN FINANCIAL RISK

Abstract

he aim of this research is to exemine different of bank financial performance between foreign banks and mixed banks by using return and financial risk ratio analyze. The return ratio are gross profit margin; return on equity; interest margni; leverage multiplier, and the financial risk ratio are liquidity risk ratio, credit risk ratio, deposit risk ratio, capital risk ratio. The objects are 5 foreign banks and 6 mixed banks that covering 4 years research period from 2006 until 2009. This research is start with count the return ratio and financial risk score from every foreign banks and mixed banks. Than counting the average score, and median score to examine the maximum and minimum score. The result of this research showed that foreign banks has better financial performance in 3 return ratio are, return on equity, interest margin, leverage multiplier, and mixed banks only better in gross profit margin ratio. On the other side, mixed banks has a better performance in all financial risk ratio are liquidity risk ratio, credit risk ratio, deposit risk ratio, and capital risk ratio.