Asean banking integration framework

5. Conclusion

Based on the analysis of each variables including internal factor that affect to banking efficiency in ASEAN 5 countries, it could be concluded that BOPO/CIR and LDR which significantly affect to banking efficiency. CAR and NPL which not significantly affected show that the efficiency of banking already good due to the strong capital and good management of risk. On the other hand the negative sign of CAR and the positive sign of NPL indicate that banking have a good capital but not optimal on using it, in line with NPL that is low so banking still able to increase the credit by using the capital more optimal. Moreover, NIM has not affect to banking efficiency with the negative sign.

Those way explained was to support the performances of banking in ASEAN Banking Integration Framework. By the result of this research, we could see that actually banking on ASEAN 5 countries is ready to face ABIF because they fulfill some of the Qualified Banks Statue requirements such as strong capital and good management of risk.

The recommendations conducted on this research are first, banking in ASEAN 5 countries should keep and manage the banking efficiency by focusing on the internal factors that affect to bank efficiency. Second, banking in ASEAN 5 countries should more optimal to use their capital. Third, financial integration give a challenge so risk mitigation is needed for all banks in ASEAN 5 countries to attend the systemic impact in case of failure in economic activity and financial integration. The last, they need to prepare on the harmonization of regulation and meet their bank to those kinds of regulations.

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Appendices. Banking Efficiency Score measured by DEA

Period	Bank	TE		TE		Bank	TE	TE
Q12011	DBS	100.00		PE		OCBC	100.00	PE
Q22011	DBS	100.00		PE		OCBC	100.00	PE
Q32011	DBS	100.00		PE		OCBC	100.00	PE
Q42011	DBS	100.00		PE		OCBC	100.00	PE
Q12012	DBS	100.00		PE		OCBC	100.00	PE
Q22012	DBS	100.00		PE		OCBC	100.00	PE
Q32012	DBS	100.00		PE		OCBC	98.69	E
Q42012	DBS	100.00		PE		OCBC	100.00	PE
Q12013	DBS	100.00		PE		OCBC	100.00	PE
Q22013	DBS	100.00		PE		OCBC	100.00	PE
Q32013	DBS	100.00		PE		OCBC	100.00	PE
Q42013	DBS	100.00		PE		OCBC	100.00	PE
Q12014	DBS	100.00		PE		OCBC	100.00	PE
Q22014	DBS	100.00		PE		OCBC	100.00	PE
Q32014	DBS	100.00		PE		OCBC	100.00	PE
Q42014	DBS	100.00		PE		OCBC	100.00	PE
Q12015	DBS	100.00		PE		OCBC	100.00	PE
Q22015	DBS	100.00		PE		OCBC	100.00	PE
Q32015	DBS	100.00		PE		OCBC	98.81	E
Q42015	DBS	100.00		PE		OCBC	98.41	E
Period	Bank	TE		TE		Bank	TE	TE
Q12011	UOB	100.00		PE		MAYBANK	91.45	E
Q22011	UOB	100.00		PE		MAYBANK	100.00	PE
Q32011	UOB	100.00		PE		MAYBANK	100.00	PE
Q42011	UOB	100.00		PE		MAYBANK	100.00	PE
Q12012	UOB	98.61		E		MAYBANK	100.00	PE
Q22012	UOB	100.00		PE		MAYBANK	100.00	PE
Q32012	UOB	100.00		PE		MAYBANK	100.00	PE
Q42012	UOB	100.00		PE		MAYBANK	100.00	PE
Q12013	UOB	100.00		PE		MAYBANK	100.00	PE
Q22013	UOB	100.00		PE		MAYBANK	100.00	PE
Q32013	UOB	100.00		PE		MAYBANK	100.00	PE
Q42013	UOB	100.00		PE		MAYBANK	100.00	PE
Q12014	UOB	100.00		PE		MAYBANK	100.00	PE
Q22014	UOB	100.00		PE		MAYBANK	100.00	PE
Q32014	UOB	100.00		PE		MAYBANK	100.00	PE
Q42014	UOB	100.00		PE		MAYBANK	100.00	PE
Q12015	UOB	100.00		PE		MAYBANK	100.00	PE
Q22015	UOB	100.00		PE		MAYBANK	100.00	PE
Q32015	UOB	100.00		PE		MAYBANK	100.00	PE
Q42015	UOB	100.00		PE		MAYBANK	100.00	PE
Period	Bank		TE		TE	CAR	BOPO	LDR
Q12011	CIMB		100.00		PE	PBB	100.00	PE
Q22011	CIMB		100.00		PE	PBB	100.00	PE
Q32011	CIMB		100.00		PE	PBB	100.00	PE
Q42011	CIMB		100.00		PE	PBB	100.00	PE
Q12012	CIMB		93.08		E	PBB	100.00	PE
Q22012	CIMB		90.99		E	PBB	100.00	PE
Q32012	CIMB		90.51		E	PBB	100.00	PE
Q42012	CIMB		90.65		E	PBB	100.00	PE
Q12013	CIMB		100.00		PE	PBB	100.00	PE