ANALISIS KOMPARATIF KINERJA KEUANGAN PERBANKAN ASEAN SETELAH KRISIS GLOBAL
I Gusti Ayu Purnamawati
Fakultas Ekonomi dan Bisnis Universitas Pendidikan Ganesha
Jl.Udayana No.11 Singaraja-Bali, 81116, Indonesia.
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The globalization of world trade era presented a competitive challenge for the banking sector, especially the countries that were members of the Association of Southeast Asian Nations (ASEAN) such as: Indonesia, Thailand, and Malaysia. The banking sector was very vulnerable to the economic turmoil that often occurred. The uncertainty in the global economic recovery resulted a high risk in the financial sector for the importance of the bank’s financial performance assessment for the stakeholders. This study aimed to compare the financial performance of the banking sector in Indonesia, Thailand, and Malaysia by using financial ratios. The sample was limited to banks that fell into the category of 5 largest banks in Indonesia, Thailand, and Malaysia during 2009-2012. The research data was secondary data obtained from the Indonesia Stock Exchange. The analysis method used was Kolmogorov Smirnov test for data normality test and one-way ANOVA parametric test. The results showed that: (1) There were significant differences of indicators ROA, ROE and LDR in the financial performance of banks in Indonesia, Thailand and Malaysia; (2) There was no difference of CAR indicator in banking finance in Indonesia, Thailand and Malaysia.
Key words: banking, capital adequacy ratio, loan to deposit ratio, return on assets, return on equity