Analysis of financial performance and risk profile of bank ocbc nisp in 2004-2008
##plugins.themes.bootstrap3.article.sidebar##
##plugins.themes.bootstrap3.article.main##
Abstract
The purpose of this descriptive study is to find out the financial performance of a bank and its risk profile. The object of this research is OCBC NISP Bank with the observation period of five years from 2004 to 2008. This study is also comparing the size of banks and their ROE. The hypothesis of size and ROE were tested using the Independent Sample T-Test. Based on the research, the results are: the low ROE is caused by the lack of ability to collect funds, while the decrease in profitability is caused by the increase of high cost funds, and the low placement of assets. Credit risk, liquidity risk, interest rate risk, and capital risk of OCBC NISP Bank are quite low. The statistical analysis shows that there is a significant difference between the ROE of small banks and large banks.
##plugins.themes.bootstrap3.article.details##
Camilleri, Silvio John. 2005. AN ANALYSIS OF THE PROFITABILITY, RISK, AND GROWTH INDICATORS OF BANKS OPERATING IN MALTA.
.Dendawijaya, Lukman. 2003. Banking Management. Jakarta: Ghalia Indonesia.
Ghozali, Imam. 2001. Application of Multivariate Analysis with the SPSS Program. Semarang: Diponegoro University Publishing Agency.
Gitman, LJ, 2006, Principles of Managerial Finance. 11th Edition. Pearson Addison- Wesley, Boston.
Global Association of Risk Professionals, Risk Management Certification Body. 2008. Indonesia Certificate in Banking Risk and Regulation, Work Book, Level 1. Jakarta.
Hasibuan, Malayu SP 2006. Fundamentals of Banking. Jakarta: Earth Script.
Indonesian Institute of Accountants (2007), Financial Accounting Standards, Jakarta: Salemba Empat.
Idroes, Ferry Novindra. 2006. Banking Risk Management; Understanding of the 3 Pillars of the Basel III Agreement Regarding Application of Regulations and Their Implementation in Indonesia, Jakarta: Rajawali Pers.
Jumingan. 2008. Analysis of Financial Statements. Second printing. Jakarta: Earth Script.
Kasmir, 2002. Banking Management. Third Printing. Jakarta: Rajawali Press.
Koch, Timothy W. 1995. Bank Management. 3rd edition. New York: Dryden.
Muchlis. 2009. Evaluation of Financial Performance and Risk Indicators of Bank JABAR-BANTEN. Jakarta.
Muljono, Teguh Pudjo. 1995. Analysis of Financial Statements for Banking. Jakarta: Djbatan Publishers.
Naïmy, Viviane Y. 2005. Overall Lebanese Banks' Performance: A Risk-Return Framework.Retnadi, Djoko. 2006. Choosing a Healthy Bank. Jakarta: PT. Elex Media Komputindo.
Rosyadi, Imron. 2005. "Fundamentals of Financial Management I". UMS eBooks.
Rose, Peter S, Kolari, James W. 1995. Financial Institutions: Understanding and Managing Financial Services 5th Edition. Boston: Richard D. Irwin, Inc.
Saunders, A., Cornett MM 2006. Financial Institution Management. McGraw-Hill International.
Simorangkir, OP 2004. Introduction to Bank and Non-Bank Financial Institutions. Jakarta: Ghalia Indonesia.
Suhardi, Gunarto. 2003. Banking Business in Legal Perspective. Yogyakarta: Kanisius.
Waymond A Grier. 2007. Credit Analysis of Financial Institutions. 2nd edition. London, United Kingdom: Euromoney Institutional Investor Plc.
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.