ANALISIS PERBEDAAN KINERJA KEUANGAN BANK PERSERO, BANK UMUM SWASTA NASIONAL DEVISA, DAN BANK PEMBANGUNAN DAERAH

The goals of this study is to determine whether there are significant differences in the Capital Adequacy Ratio (CAR), Return on Equity (ROE), Return on Assets (ROA), Operations Expenses to Operations Income (BOPO), and Loan To Deposit Ratio (LDR) between the State Owned Banks, Foreign Exchange Commercial Banks, and Regional Development Banks. The population of this study is all the State Owned Banks, Foreign Exchange Commercial Banks, and Regional Development Banks in Indonesia. The sample of banks chose by purposive sampling method with specific criteria and there was 240 as sample. Analytical techniques used to process the data were normality test, homogeneity test, and hypothesis test with the help of SPSS ver. 16.00. The result of this study found that there was significant differences in the Capital Adequacy Ratio (CAR), Return on Equity (ROE), Return on Assets (ROA), Operations Expenses to Operations Income (BOPO) between the State Owned Banks, Foreign Exchange Commercial Banks, and Regional Development Banks. Then, there was not significant differences Loan To Deposit Ratio (LDR) between the State Owned Banks, Foreign Exchange Commercial Banks, and Regional Development Banks.

Keywords: Capital Adequacy Ratio (CAR), Return On Equity (ROE), Return On Asset (ROA), Biaya Operasional Atas Pendapatan Operasional (BOPO), Loan To Deposit Ratio (LDR).