由銀行利率分析及比較印尼、馬來西亞及新加坡之間政府的財務狀況

Analysis Comparison of Financial Performance By Using Various Financial Ratios Among Commercial Banks in Indonesia, Malaysia and Singapore

Aini Farmania(Aini Farmania)

指導教授 ： 張秋政

亞洲大學/管理學院/經營管理學系碩士班/碩士(2009年)

摘要

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。

關鍵字

財政 ； 多元率利 ； NPL ； CAR

並列摘要

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.

並列關鍵字

financial performance ； various ratios ； NPL ； CAR

參考文獻

MAS Press Release, (1999), Monetary authority of Singapore Release Half-year report on Singapore’s asset management industry. November.

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IMF (2005). Staff report for the 2005 Article IV: Consultation and Third Post-Program Monitoring Discussions. June.

Vengayil, R (2003), Indonesia’s Growth Prospects Remain Intact. Global Custody Review.

US State Department, (2005), Investment Climate Statement-Malaysia.