DAMPAK ASSET LIABILITY MANAGEMENT TERHADAP PROFITABILITAS PADA PT BANK HIMPUNAN SAUDARA 1906, Tbk
Nuraeni, Devi Martianti
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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.
- Management