LOAN PORTFOLIO COMPOSITION AND PERFORMANCE OF INDONESIAN BANKS: DOES OWNERSHIP MATTER?.Ejurnal STIE
As a country which is hard-hit by the crisis, Indonesian banking industry underwents banking reform with
changes in its bank ownership structures. The changes may have impacted the loan portfolio compositions of
banks. However, there is no study that has empirically tested the impact of the ownership structures on loan
portfolio composition and performance in Indonesia, although the facts that credit risk is a major bank risk.
The objective of this research is to examine the loan portfolio composition of Indonesian banks in the post crisis
period and to determine whether bank ownership plays a role in the composition and performance of the
portfolios. This study used secondary data from the Indonesian Banking Directory of the Indonesian Central
Bank and all commercial bank annual reports provided by Infobank magazine. The research sample consists of
109 commercial banks in the year 2011. The data is analysed by using multiple regression methods. It is
envisaged that the research will give a broad insight on how different bank ownership types select their loan
portfolio strategies when composing their loan portfolios.
Key words: banks, loan portfolio composition, performance, bank ownership types, Indonesia
|Penerbit||UMM : Malang., 2016|
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