BANKING FINANCIAL PERFORMANCE BEFORE AND AFTERudIMPLEMENTATION OF ARCHITECTURE BANKING INDONESIAud(API) ON NON-BANK FOREIGN EXCHANGE

摘要

The banking industry is the banking industry that is capital intensive. That is, industries that are managing public funds withudall kinds of risks. Thus, banks would have to have the capacity and capability sufficient to cover losses arising from risksudthat arise. For that, the bank capital as a buffer from the risks faced by banks should be strengthened and improved in lineudwith the amount of risk faced each bank. Research Methodology use secondary data that the bank's financial statements inudthe form of Balance Sheet, Statements of Income and Calculation of Minimum Capital Liabilities Provision (CAR) at theud10th National Commercial Bank Non foreign exchange has done API implementation in December 2007. To assess theudbank's performance is to use the CAR, ROA, BOPO, ROE and LDR. These five variables are compared to the 1 year prior toudthe implementation of the API in 2005 and 1 year after implementation of the API in 2007, technical analysis using SPSS forudwindows, the research hypothesis testing with different test t (t-test). The results of t test analysis showed that there is noudsignificant influence on the performance differences for the national private commercial bank non-foreign exchange beforeudand after the API.