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"This research has a purpose to provide empirical evident about performance comparison of state owned banks and private national banks in Indonesia during the subprime crisis impact in 2007-2009. The examined factors on this research are CAMELS financial ratio. The samples consist of total 130 banks listed in Bank Indonesia directory during 2007-2009. The result show that state owned banks considered perform better than private national banks which during the crisis impact era. This research also observed that Indonesia Government Securities (SUN) significantly impact the non performing assets ratios of state owned banks, private national banks and overall banking industry in Indonesia during 2007-200."

"Penelitian ini memberikan gambaran pengaruh penerbitan obligasi termasuk obligasi subordinasi dan penawaran umum terbatas terhadap penilaian CAMELS PT Bank XYZ, Tbk. Penelitian meliputi penilaian faktor permodalan, kualitas aset, manajemen, rentabilitas, likuiditas dan sensitivitas terhadap risiko pasar. Analisis kemudian dibandingkan dengan tiga bank skala menengah lainnya untuk mengetahui posisi PT Bank XYZ, Tbk di antara peer grupnya. Berdasarkan hasil analisis yang dilakukan selama lima tahun terakhir diketahui bahwa penilaian CAMELS bank menunjukan perbaikan terutama sejak tahun 2007. Apabila dibandingkan dengan peer groupnya, hasil penilaian CAMELS PT Bank XYZ, Tbk terbaik untuk faktor permodalan, kualitas aset, manajemen, rentabilitas dan sensitivitas pasar serta penilaian komposit CAMELS.

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This Research to give an idea of how the impact of bonds issuance including subordinated bonds and right issue on the performance of CAMELS Rating PT Bank XYZ, Tbk. Assessment included factor capital, asset quality, management, earning, liquidity and sensitivity to market risk. The results were then compared with three other medium-size banks to know the position of the bank, among the peer group. According to analysis conducted during the last five years is known that the CAMELS Rating bank showed improvement, especially since the year 2007. When compared with the peer group intended, bank showed the best performance in the aspects of CAMELS rating factors capital, asset quality, management, profitability and market sensitivity."

"Laporan magang ini disusun untuk mengevaluasi kerangka analisis kinerja atas kinerja keuangan Bank yang diinvestasikan oleh XYZ Investments per 30 Juni 2023. Bank-bank yang dibahas dalam laporan ini merupakan bagian dari reksa dana pasar uang yang dikelola oleh XYZ Investments. Evaluasi tersebut bertujuan untuk menilai keselarasan kerangka analisis XYZ Investments dengan teori dan peraturan terkait. Kerangka analisis ini mengkaji profil permodalan, profil kualitas aset, profil profitabilitas dan efisiensi, serta profil likuiditas dan fleksibilitas Investee. Investee dikategorasikan berdasarkan kepemilikannya, yaitu kategori 1 (BUMN), kategori 2 (BPD), kategori 3 (Bank Swasta), dan kategori 4 (Bank Asing). Pada profil permodalan ditemukan kategori 1 dan 2 memiliki permodalan di bawah rata-rata industri, sedangkan pada kategori 3 dan 4 terdapat setengah dari jumlah Investee yang memiliki permodalan di atas rata-rata industri. Pada profil kualitas aset, mayoritas investee pada setiap kategori bank memiliki kualitas asset di bawah rata-rata namun memiliki kesediaan keuangan yang cukup untuk menutupi apabila terdapat kerugian akibat kredit macet. Pada profil profitabilitas dan efisiensi, mayoritas Investee pada kategori 1, 2, dan 3 memiliki NIM dan BOPO yang lebih baik dibandingkan rata-rata industri. Dalam profil likuiditas dan fleksibilitas keuangan, sebagian besar Investee pada setiap kategori memiliki LAR di bawah rata-rata industri dengan LDR di atas rata-rata industry. Kerangka analisis kinerja keuangan milik XYZ Investments meliputi perhitungan dan pembahasan yang terkait pada rasio-rasio, seperti CAR, CAR Tier 1, RWA, NPL, NIM, ROA, CIR, BOPO, LAR, dan LDR. Kerangka analisis yang dipakai sesuai dengan konsep CAMELS dan regulasi SEOJK- 14/2017 serta BASEL III. Akan tetapi, XYZ Investments tidak menerapkan penilaian numerik seperti pada pendekatan CAMELS dan SEOJK-14/2017. Selain itu, terdapat limitasi pada informasi yang dikeluarkan oleh Investee untuk periode ini sehingga analisa mengenai manajemen perusahaan yang memengaruhi keuangan perusahaan kurang komprehensif. Temuan-temuan ini menunjukkan bahwa kerangka analisis kinerja keuangan XYZ Investments pada Investee mematuhi konsep dan peraturan yang telah ditetapkan, meskipun masih ada ruang untuk perbaikan.

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This internship report was prepared to evaluate the performance analysis framework on the financial performance of Banks invested in by XYZ Investments as of June 30, 2023. The banks discussed in this report are part of money market mutual funds managed by XYZ Investments. The evaluation aimed to assess the alignment of XYZ Investments’ analysis framework with relevant theories and regulations. The analysis framework examined Investees’ capitalization profile, asset quality profile, profitability and efficiency profile, as well as liquidity and flexibility profile. Investees are categorized based on their ownership, namely category 1 (BUMN), category 2 (BPD), category 3 (Private Bank), and category 4 (Foreign Bank). In terms of capitalization profile, it was found out that categories 1 and 2 have capitalizations lower than the industry average, but categories 3 and 4 have half the number of Investees with capitalizations higher than the industry average. The asset quality profile revealed that the majority of investees in each bank category had below-average asset quality but were financially prepared to cover losses due to bad debt. In terms of profitability and efficiency, most Investees in Categories 1, 2, and 3 had higher NIM and BOPO than the industry average. In terms of liquidity and financial profile, the majority of investees in each category had LARs lower than the industry average and LDRs higher than the industry average. XYZ Investments' financial performance analysis framework covers calculations and analysis of ratios such as CAR, CAR Tier 1, RWA, NPL, NIM, ROA, CIR, BOPO, LAR, and LDR. The framework analysis employed is consistent with the CAMELS approach, SEOJK- 14/2017, and BASEL III regulations. However, XYZ Investments does not use numerical ratings like CAMELS and SEOJK-14/2017. Furthermore, the information provided by the Investee for this period is limited, making the examination of corporate management that effects the company's finances less comprehensive. These findings indicate that XYZ Investments' financial performance analysis framework on Investees complies with established concepts and regulations, although there is still room for improvement."