- AP Photo/Irwin Fedriansyah
VIVAnews – As many as 13 banks in Indonesia were reckoned to be the most efficient banks compared to the others in the respective category. The categories are foreign and joint venture bank, national private commercial bank, sharia bank and regional development bank as well as commercial bank or state-owned bank.
The conclusion was resulted from Banking Efficiency Award 2011 (BEA 2011) held by Bisnis Indonesia Intelligence Unit (BIIU).
“The 13 banks are of two state-owned banks, four commercial national foreign exchange banks, one people’s credit bank, two joint venture banks, three foreign banks and one commercial national foreign exchange sharia bank,” said BIIU researcher Anton Hermansyah during ‘Banking Efficiency Award 2011’ event at Nikko Hotel, Jakarta, today.
In the BEA 2011, there is an increase in the number of banks categorized as efficient. In the previous BEA, such banks only numbered seven.
In addition, BEA deemed that the efficient-categorized banks are now more distributed. This indicates the increase of efficiency in banking operation in almost all bank categories.
The object of BEA 2011 research was focused on banks operating in Indonesia in 2010. There were 120 banks operating in Indonesia based on the financial statements until December 2010.
BEA research used the indicators of bank evaluation based on accounting criteria and other ratios. So far bank efficiency is evaluated by comparing the overhead cost (such as fixed assets and labor cost) to financial services produced by the bank. Another analysis is a comparison between operational fee and operational income, or BOPO ratio.
“This research is restricted to banks with non-performing loan of under 5 percent, capital adequacy ratio (CAR) above 12 percent and loan to deposit ratio (LDR) above 50 percent,” said Anton.
After the filter based on NPL, CAR, LDS and BOPO criteria, the researchers found 78 banks deserved to be nominated, through decision making unit (DMU) process later. Through DEAP 2.1 software using VRS methodology, the researchers found 13 banks having optimum efficiency value.
By evaluating banking efficiency in Indonesia, this time BEA 2011 used the DEA approach. This method is regarded as accommodating a lot of inputs and outputs.
In addition, the researchers used nonparametric methodology which did not require a lot of assumptions in the input and output, so the difference between input and output of one bank and the other is not an issue.
In running the statistic test, BEA used Mann-Whitney test. It is expected that this technique can calculate the difference of media between two groups.
The following is the list of the most efficient banks operating in Indonesia:
Category of Foreign and Joint Venture Bank:
1. Bank of China Limited
2. Deutsche Bank AG
3. The Bank of Tokyo Mitsubishi UFJ LTD
4. Bank Sumitomo Mitsui Indonesia
Category of National Private Commercial Bank:
1. PT Bank Bukopin Tbk
2. PT Bank Pan Indonesia Tbk
3. PT Bank CIMB Niaga Tbk
4. PT Bank Central Asia Tbk
5. PT Bank OCBC Indonesia a/n OCBC NISP
Category of Sharia and People’s Credit Bank:
1. PT Bank Jabar Banten Syariah
2. Bank BPD Sumatera Barat (Bank Nagari)
Category of Commercial Bank or State-Owned Bank:
1. PT Bank Mandiri Tbk
2. PT Bank Rakyat Indonesia Tbk
Translated by Indah Lestari
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