STRUKTUR PERBANKAN INDONESIA: KAJIAN PEMENUHAN PILAR 1- TIER1 PADA PERBANKAN NASIONAL
STIE Perbanas Surabaya
Jl. Nginden Semolo No.34-36 Surabaya, 60118
Telp. +62 31 594 7151-52
It was stipulated by Bank Indonesia regulation that the banks must have a minimum core capital of Rp 100 billion by the end of 2010. However, until the mid year of 2010, there were a small number of banks that had such minimum core capital which was less than Rp100 billion. This research attempted to determine the influence of the internal factors (financial performance) as well as the external factors such as asset quality towards the core capital in the national banking industries. The subjects of this study were all national banks, in which the secondary data used were published financial statements based on the observation during the six-year-period: 2004 -2009. The analysis techniques used were rotated Factor Analysis and Ordinal Logistic Regression. The results showed that of the 21 variables, 19 variables were formed as the factors, with a loading factor >1. The result of logistic regression analysis showed that 11 variables had a significant influence towards the probability of compliance with core capital such as APB, ROE, NIM, BOPO, FBIR, CPR, ABP, BI Rate, INFL and VER. Therefore these ratios could be used as a reference banks to improve or to maintain the core capital (tier 1).
Key words: core capital, financial performance, macroeconomic condition