Suchergebnisse

Soundness of a bank is reflected in the financial statements issued by the bank where such financial statements have been audited by public accounting firms. Health assessment of banks carried out each period. In any assessment of a bank's condition is determined. For banks that have been considered previously can also be assessed whether there is an increase or decrease in health. For banks which, according to health or the health assessment increase does not matter, because that is what is expected and continue to be retained, but the bank is constantly unwell. This study aims to analyze the Government Performance Comparison Bank, Foreign Banks and Private Banks in Indonesia In the Year 2001 to 2010. Population used in this study were all government banks and private banks in Indonesia Stock Exchange. The sampling technique used in this study was purposive sampling because only a selected sample met the criteria only. Analysis techniques use descriptive analysis. CAMEL financial ratio and determine the mean of each ratio. Ratio is CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), ROE (Return On Equity), ROA (Return On Asset), BOPO (Operational Cost Ratio) and LDR (Loan to Deposits Ratio) has the power or the power classification predictions for the state banks experiencing financial difficulties.

Besteht in Deutschland eine Kreditklemme bzw. ein Credit Crunch? Um das Ausmaß dieses Problems für die deutsche Wirtschaft zu untersuchen, hat das ifo Ins-titut im Rahmen seiner monatlichen Konjunkturtestumfrage im Juni und August dieses Jahres die Teilnehmer nach der Bereitschaft der Banken, Kredite an Unternehmen zu vergeben, gefragt. Die Ergebnisse der Umfrage untermauern die Vermutung, dass deutsche Banken bei der Kreditvergabe sehr restriktiv vorgehen: Im Juni gaben nur 2,5% der bundesdeutschen Unternehmen aus dem verarbeitenden Gewerbe an, dass sie die Bereitschaft der Banken, Kredite an Unternehmen zu vergeben, als »entgegenkommend« beurteilen. Im August verbesserte sich dieser Prozentsatz nur unwesentlich auf 2,6%.

The banking industry is an essential financial intermediary, thus the efficient operation of banks is vital for economic development and social welfare. However, the 2008 global financial crisis triggered a reconsideration of the banking systems, as well as the role of government intervention. The literature has paid little attention to the banking industry in the Asia-Pacific region in the context of bank efficiency. This study employs double bootstrap data envelopment analysis to measure bank efficiency and examine the relationship between regulation, supervision, and state ownership in commercial banks in the Asia-Pacific region for the period 2005 to 2014. Our results indicate that excluding off-balance sheet activities in efficiency estimations lead to underestimating of the pure technical efficiency, while overestimating the scale efficiency of banks in the Asia-Pacific region. Cross-country comparisons reveal that Australian banks exhibit the highest levels of technical efficiency, while Indonesian banks exhibit the lowest average. Our bootstrap regression results suggest that bank regulation and supervision are positively related to bank technical efficiency, while state ownership is not significantly related to bank efficiency. Furthermore, our findings show that tighter regulation and supervision are significantly related to higher efficiency for small and large-sized banks.