DAMPAK ASSET LIABILITY MANAGEMENT TERHADAP PROFITABILITAS PADA PT BANK HIMPUNAN SAUDARA 1906, Tbk
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Date
2015
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Tesis Program Magister Management Universitas Widyatama
Abstract
The tightening of liquidity at the beginning of 2009 have an impact
on the Bank Saudara's net profit decline of 5.34% was primarily
due to the decreased of lending ability, causing a slowdown in
interest income. To increase profits, the bank need to manage Asset
Liability Management (ALMA), which is an attempt to optimize the
structure of bank balance sheets to obtain the maximum profit and
at the same time limiting the risk beyond the credit.
The application of ALMA seen from liquidity management, gap
management, and investment and income management by using
financial ratios. The study was conducted based on explanatory
research method, while data collected using secondary data for six
years (2009-2014).
Based on the multiple regression analysis, the hypothesis that
ALMA has a significant effect on profitability can be accepted.
Partially, LDR and Operating Expenses to Operating Income
significantly affects ROA, while NIM had no significant effect (sig.
> α). Simultaneously, variables of LDR, NIM and Operating
Expenses to Operating Income influence on ROA. The ALMA effect
on profitability is very strong (R2 = 94,7%).
The application of framework process and functions of ALMA will
provide a clear foundation includes strategy, management, support
and implementation of business bank's development to limit the
risks arising from liquidity risk, interest rate risk, and portfolio risk,
so the objective of asset liability management will affect the
maximum profit.
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Keywords
ALMA, LDR, Operating Expenses to Operating Income, ROA, NIM, Bank Saudara