标题：ANALYSIS OF DIFFERENCE BETWEEN BPD AND FINANCIAL PERFORMANCE OF NATIONAL PRIVATE BANK BEFORE AND AFTER APPLICATION OF INDONESIA BANKING ARCHITECTURE
摘要：Keyword: Keyword : Architecture, Devisa, Bank, CAR, BOPO, NPLAbstrack:ABSTRACT Indonesian Banking Architecture is a basic framework of the Indonesian banking system development that is comprehensive for the range of five to ten years into the future. API policy vision based on creating a sound banking system, strong and efisien.Tingkat bank health can be assessed by several indicators. The capital adequacy ratio, liquidity, and profitability is a benchmark that is often used in the measurement of bank performance.This study aims to determine whether there are differences in the performance of regional development banks and private national banks (foreign exchange and non exchange) between before and after implementation of the API in January 2004 when viewed from non-performing loans (NPLs), capital adequacy ratio (CAR), and profitability as measured with ROA, and BOPO. In addition, this study also membandingkankinerja among the three groups of banks. The method of analysis used in this research is descriptive and inferential statistics that consists of, Two Paired Sample T test, and One Way ANOVA (Analysis Of variances). Results of hypothesis testing showed the performance of BPD, although looks are not significantly different at the CAR ratio is probably due to BPD dimodali by the government but for the ratio BOPO, there is a difference and improve the NPL. For the performance of foreign exchange and Non Open BUSN not differ significantly before and after the Indonesian Banking Architecture For performance comparison between BPD, BUSN Open and Non Open there is no significant difference in ROA ratio except in 2006. As for the NPL ratio there is a difference and to BOPO although there are differences in the time before the application API (2004) but thereafter there was no significant difference.
