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The Comparative Analysis of Performance Bank Between PT East African Scholars Multidisciplinary Bulletin Abbreviated Key Title: East African Scholars Multidiscip Bull ISSN 2617-4413 (Print) | ISSN 2617-717X (Online) Published By East African Scholars Publisher, Kenya Volume-3 | Issue-6 | Jun-2020 | DOI: 10.36349/easmb.2020.v03i06.002 Review Article The Comparative Analysis of Performance Bank between PT Bank CIMB Niaga Tbk and PT OCBC NISP Tbk Period 2015 until 2018 and its Improvements before and after the Announcement of the Winner of the Best Transaction Banking Awards 2018 1 1 2 2 Muhammad Laras Widyanto , Helsinawati , Lailah Fujianti and Sri Ambarwati 1Faculty of Economics and Business - Universitas Mercu Buana 2Faculty of Economics and Business - Universitas Pancasila Abstract: This study aims as follows: 1) To analyze the comparative of bank Article History performance at PT Bank CIMB Niaga Tbk before and after the announcement of the Received: 25.05.2020 winner of the 2018 Transaction Banking Awards using the RGEC (Risk Profile, Good Accepted: 11.06.2020 Corporate Governance, Earning, Capital) method, 2) To analyze the comparative of bank Published: 23.06.2020 performance at PT OCBC NISP Tbk before and after the announcement of the winners Journal homepage: of the 2018 Transaction Banking Awards using the RGEC (Risk Profile, Good Corporate http://www.easpublisher.com/easjals/ Governance, Earning, Capital) method. 3) To analyze the comparison of bank performance between PT Bank CIMB Niaga Tbk and PT OCBC NISP Tbk periode 2015 Quick Response Code until 2018 Transaction Banking Awards using the RGEC (Risk Profile, Good Corporate Governance, Earning, Capital) method.. The method used in this study is RGEC (Risk Profile, Good Corporate Governance, Earning, Capital), while the long-term goal is modeling the financial strategies of commercial banks that have been successfully purchased. The research results that: 1. There is a difference in bank performance of PT CIMB Niaga Tbk between before and after the announcement of the winner of The 2018 Banking Transaction award, 2. There is no difference in bank performance of PT OCBC NISP Tbk between before and after the announcement of the winner of The 2018 Banking Transaction award, 3. There is no difference in bank performance between PT CIMB Niaga Tbk between PT. OCBC NISP Tbk from 2015 to 2018. Keywords: Bank Performance and RGEC (Risk Profile, Good Corporate Governance, Earning, Capital). Copyright @ 2020: This is an open-access article distributed under the terms of the Creative Commons Attribution license which permits unrestricted use, distribution, and reproduction in any medium for non-commercial use (Non Commercial, or CC-BY-NC) provided the original author and source are credited. NTRODUCTION Gazette Number 5861), and provisions regarding the I application of consolidated risk management for bank Bank health is the competence of a capable that control subsidiary companies, among others, bank carrying out its activities in accordance with regulating that banks are required to conduct a self- applicable regulations. So Bank health is important for assessment of the Bank's Soundness Level using a Risk all parties involved and has an interest in the bank. Based Bank Rating (RBBR) both individually and on a (Fitrawati. Saifi. M, & Zahroh. 2016). Banking consolidated basis, with coverage of me risk factors performance as a benchmark for the interpretation and include factors (risk profile), Governance, earnings soundness of banks in a certain period is governed by (earnings), and capital (capital) to produce a composite government policies where in Indonesia banking rating of the Bank's Soundness Level (Financial performance is regulated by the Financial Services Services Authority, 2017) Banks must maintain and Authority, i.e. Regulation of the Financial Services improve their performance so as not to experience Authority Number 4 / POJK.03 / 2016 concerning liquidation or acquisition. Rating of Soundness of Commercial Banks (State Gazette Republic of Indonesia Year 2016 Number 16, The urgency of this study is to analyze the Additional State Gazette Number 5840), Financial financial performance reports of banks that have Services Authority Regulation Number 18 / POJK.03 / experienced acquisition to find out the health of the 2016 concerning Application of Risk Management for bank in terms of RGEC analysis (Risk Profile, Good Commercial Banks (State Gazette of the Republic of Corporate Governance, Earning, Capital) before and Indonesia Year 2016 Number 53, Additional State *Corresponding Author: Muhammad Laras Widyanto 234 Muhammad Laras Widyanto; East African Scholars Multidiscip Bull; Vol-3, Iss- 6 (Jun, 2020): 234-246 after the announcement of the winners of the 2018 The with the following results: Category Large Asset The Best Transaction Banking Awards. Bank is rated Very Healthy in the BOOK Category III Assets Above Rp. 100 Trillion are PT Bank OCBC Bank OCBC NISP (previously known as Bank NISP Tbk. Healthy predicate bank in BOOK Category NISP) or here in after referred to as "Bank", is the IV Assets under Rp. 500 Trillion 1. PT Bank CIMB fourth oldest bank in Indonesia which was established Niaga Tbk, 2. PT Bank Danamon Indonesia Tbk, 3. PT on April 4, 1941 in Bandung under the name NV Bank Pan Indonesia Tbk (Ahmad, 2018) Nederlandsch Indische Spaar En Deposit Bank. In 1997 OCBC Bank - Singapore selected Bank NISP to It is this phenomenon that prompted the become a local partner in the establishment of Bank research team to find out whether the performance of OCBC NISP (later renamed OCBC Indonesia), the two banks experienced differences before and after subsequently becoming a shareholder in 2004. OCBC the announcement of the award winners because banks Bank - Singapore then increased its share ownership categorized as very healthy and healthy were in the top through acquisitions and share tender offers public to ten of the 2018 Transaction Banking Awards winning become the majority since 2005. In 2011, the Bank data. entered an important milestone after OCBC Bank - Singapore consolidated business strategies in Indonesia The research objectives are as follows: 1) To through the merger of its subsidiary, Bank OCBC analyze the comparative performance of banks at PT Indonesia into Bank OCBC NISP (OCBC NISP, 2019) Bank CIMB Niaga Tbk before and after the announcement of the winner of the 2018 Transaction CIMB Niaga was established on September Banking Awards using the RGEC (Risk Profile, Good 26, 1955 under the name Bank Niaga. The Government Corporate Governance, Earning, Capital) method, 2) To of the Republic of Indonesia for a time was the majority analyze the comparative performance of banks at PT shareholder of CIMB Niaga during the financial crisis OCBC NISP Tbk before and after the announcement of in the late 1990s. In November 2002, Commerce Asset- the winners of the 2018 Transaction Banking Awards Holding Berhad (CAHB), now widely known as CIMB using the RGEC (Risk Profile, Good Corporate Group Holdings Berhad (CIMB Group Holdings), Governance, Earning, Capital) method. 3) To analyze acquired a majority stake in Bank Niaga from the the comparison of bank performance between PT Bank Indonesian Bank Restructuring Agency (IBRA). In CIMB Niaga Tbk and PT OCBC NISP Tbk periode August 2007 all share ownership changed hands to 2015 until 2018 using the RGEC (Risk Profile, Good CIMB Group as part of an internal reorganization to Corporate Governance, Earning, Capital) method. consolidate the activities of all CIMB Group subsidiaries with a universal banking platform (CIMB Based on the last reseach of Pramana and Niaga, 2019). Artini (2016) that during the period of 2011 to 2014 Bank Danamon always ranked 1 or very Based on the Announcement of Winners of the healthy. Calculation of the NPL ratio and LDR 2018 Transaction Banking Award that: 28 of the best illustrates that the bank has managed the risk well. GCG banks in banking transactions in 2018, which Thursday assessment shows that corporate governance has been night, August 30, 2018, received awards at the done well. Calculation of ROA and NIM shows the awarding ceremony of the "Transaction Banking ability of banks to achieve high profits. Calculation of Awards 2018" at Four Point Hotel, Manado (Vilana, CAR is always above the minimum limit of Bank 2018) as follows : 1.BCA, 2. Islamic Bank BRI, 3. Indonesia deemed able to manage its capital. (Pramana Bank Sinarmas,4. Bank DKI, 5. Bank Mandiri, 6. and Artini, 2016). Rosdiana (2019) that the results are BRI,7. Bank Permata, 8. Bank of South Sumatra not difference significant between Performance Ratio of Babel,9. Bank Sahabat , Sampoerna,10. BNI, 11. CIMB Bank Mega in 2016 (before the implementation of the Niaga Bank, 12. BJB Bank,13. Bank Royal Indonesia, Financial Services Authority's circular letter number 14 14. Bank Riau Kepri,15. Bank OCBC NISP,16. / SEOJK.03 / 2017) and Performance Ratio of Bank Bukopin Syariah Bank,17. Bank HSBC Indonesia, 18. Mega in 2017 (after the implementation of the Financial BPD Bali, 19. Citibank, 20. Bank Maybank Indonesia, Services Authority's circular letter number 14 / 21. Bank Danamon Indonesia, 22. Standard Chartered SEOJK.03 / 2017) (Rosdiana, 2019). There is a Bank, 23. BTPN Bank, 24. Bank of North Sumatra, 25. significant difference in the ratio of LDR, ROA, CAR, Bank Sulselbar,26. Bank Banten, 27. Bank Mega, 28. BOPO and not significant in the ratio of ROE and NPL National Nobu Bank (Vilana, 2018) in conventional banks and sharia banks (Putri Y.F, 2015). Better performance
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