臺灣博碩士論文加值系統

本文主要在於利用2005-2008年間不同的銀行利率比較傳統印尼、馬來西亞及新加坡的銀行並對其政府財務狀況做分析。本研究的背景為比較印尼傳統銀行與其鄰國之馬來西亞和新加坡一些已被收購的銀行之財務狀況。本文利用質性分析做比較，其研究結果為：銀行利率最高者為印尼；較優質之金融機構為馬來西亞；而資產最豐厚的則為新加坡。

This paper is aiming to analyze and comparison due financial performance by using various financial ratio among conventional banks in Indonesia, Malaysia and Singapore for year 2005-2008. The background for this research is to compare how financial performance of conventional banks in Indonesia with its neighbor countries Malaysia and Singapore which are had already acquisition with some banks in Indonesia. Research strategy that used is descriptive - comparative. The results are for the highest earnings aspect and solvability is in Indonesia, for the best financial intermediary is in Malaysia whereas for the best asset quality is Singapore.

OUTLINE OF CONTENT

Abstract
Outline of Content
List of Chart
List of Equation
Chapter I: Introduction
1.1 Research Background ……………………………… …………… 1
1.2 Research Motivation ……………………………… ……………… 6
1.3 Focused Research Question …………………………………….. 6
1.4 Scope and Limitation ………………………….. …………………. 7
1.5 Specific Objective ……………………………………………. …… 8
1.5 Benefit Research ……………………………………………………8

Chapter II: Literature Review
2.1 Simple Framework for Banking Regulation and Supervision………. 10
2.2 Financial Performance ……………………………………………. 11
2.3 The Balance Sheet …………………………………………………. 12
2.4 The Income Statement……………………………………………….. 13
2.5 Accounting Ratio and Ratio Analysis ……………………………….. 14
2.6 Assessing Liquidity Performance ……………………………………. 15
2.7 Assessing Profitability Performance ………………………………. 16
2.8 Assessing Solvability (Capital Strength) Performance ……………16
2.9 Assessing Asset Quality Performance ………………………………. 17
2.10 Assessing Business Efficiency Performance ………………………… 18

Chapter III: Research Method
3.1 Research Strategy ………………………………………………19
3.2 Research Period………………………………………………………19
3.3 Population and Research Sample……………………………………20
3.4 Research Instrument………………………………………………….21
3.5 Data Analysis Method…………………………………………………22
3.6 Analysis Data………………………………………………………….22
3.6.1 Assessing Liquidity Ratio………………………………… 22
3.6.1.1 Loan Deposit Ratio …………………………………………22
3.6.2 Assessing Profitability Performance…………………………………22
3.6.2.1 Return On Assets……………………………………………22
3.6.2.2 Return On Equity…………………………………………23
3.6.2.3 Net Interest Margin …………………………………………23
3.6.3 Assessing Solvability (Capital Strength) Performance………………23
3.6.3.1 Capital Adequacy Ratio …………………………………23
3.6.4 Assessing Asset Quality Performance………………………………23
3.6.4.1 Non-Performing Loans ……………………………………23
3.6.5 Assessing Business Efficiency Performance ………………………… 24
3.6.5.1 Cost to income……………………………………………24
3.6.5.2 Asser utilization Ratio………………………………………24

Chapter IV : Data Analysis and Result
4.1 Country Explanation………………………………………25
4.1 Indonesia …………………………………………25
4.1.1 Banks in Indonesia …………………………………………25
4.1.1.1 Bank Mandiri Tbk ………………………………28
4.1.1.2 Bank Central Asia Tbk ……………………… 29
4.1.1.3 Bank Negara Indonesia Tbk ………………… 31
4.1.1.4 Bank Danamon Tbk……………………………. 32
4.1.1.5 Bank Rakyat Indonesia Tbk ……………………33
4.1.2 Malaysia………………………………………………………………36
4.1.2.1 Bank in Malaysia ………………………………………40
4.1.2.1.1 Malayan Bank Bhd ……………………………40
4.1.2.1.2 CIMB Group Sdn Bhd …………………………41
4.1.2.1.3 Public Bank Bhd…………………………………43
4.1.2.1.4 RHB Bank Bhd ………………………………… 44
4.1.2.1.5 AMMB Bank Holding Bhd …………………… 46
4.1.3 Singapore ……………………………………………………………48
4.1.3.1 Banks in Singapore ……………………………………… 51
4.1.3.1.1 United Overseas Bank Ltd …………………….. 51
4.1.3.1.2 DBS Group Holding Bhd ……………………… 53
4.1.3.1.3 Oversea-Chinese Banking Corporation ………..55
4.2 Data Analysis ………………………………………………………57
4.2.1 Assessing Liquidity Performance …………………………57
4.2.1.1 Loan Deposit Ratio …………………………….. 57
4.2.2 Assessing Profitability Performance………………………. 58
4.2.2.1 Return On Asset …………………………………58
4.2.2.2 Return On Equity ……………………………… 59
4.2.2.3 Net Interest Margin …………………………….60

4.2.3 Assessing Solvability Performance………………………………… 61
4.2.3.1 Capital Adequacy Ratio ………………………………… 61
4.2.4 Assessing Asset Quality Performance ……………………………… 62
4.2.4.1 Non-Performing Loans …………………………………… 62
4.2.5 Assessing Business Efficiency Performance ………………………… 63
4.2.5.1 Cost to Income …………………………………………… 63
4.2.5.2 Asset Utilization Ratio …………………………………… 64

Chapter V: Conclusion and Recommendation
5.1Conclusion ………………………………………………………… 66
5.1.1 Assessing Liquidity Performance ……………………… 66
5.1.1.1 Loan Deposit Ratio …………………………… 66
5.1.2 Assessing Profitability Performance ……………………… 66
5.1.2.1 Return On Asset ……………………………… 66
5.1.2.2 Return On Equity ………………………………67
5.1.2.3 Net Interest Margin …………………………….. 67
5.1.3 Assessing Solvability (Capital Strength) Performance…… 67
5.1.3.1 Capital Adequacy Ratio ………………………… 67
5.1.4 Assessing Asset Quality Performance …………………… 68
5.1.4.1 Non-Performing Loan ………………………….. 68
5.1.5 Assessing Business Efficiency Performance…………… 68
5.1.5.1 Cost to Income………………………………….. 68
5.1.5.2 Asset Utilization Ratio ………………………… 68
5.2 Recommendation ……………………………………………………69
5.2.1 Suggestion for further researcher ………………………… 69
5.2.3 Suggestion to the public ……………………………………69
5.2.4 Suggestion to the country …………………………………70
5.2.4.1 Indonesia ………………………………………70
5.2.4.2 Malaysia …………………………………………71
5.2.4.3 Singapore…………………………………………71
References………………………………………………………………………73

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