Group 9 Analysis of Credit Risk Differences Based on Risk Management and Related Banking Regulations at Banks in Indonesia (X, Y) and Malaysia (Z)

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Last updated 1:03 PM on 8/24/26
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52 Terms

1
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The case study focuses on three commercial banks from Indonesia and Malaysia: Bank X, Bank Y, and Bank ______.
Z
2
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Bank X mainly focuses on the ______ loan segment.
corporate
3
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Bank Y focuses on the Micro, Small and Medium Enterprise, or ______, loan segment.
MSME
4
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Bank Z offers conventional and ______ banking services in Malaysia.
sharia
5
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The banks operate in the banking and ______ services industry.
financial
6
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Business Analytics was implemented to evaluate and compare credit risk and financial performance from ______ to 2023.
2021
7
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One of the main financial indicators analyzed was the Non-Performing Loan or ______ ratio.
NPL
8
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Another financial indicator analyzed was Net Interest ______.
Margin
9
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The third major financial indicator analyzed was credit ______.
growth
10
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The primary business problem was high ______ risk experienced by the Indonesian banks.
credit
11
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Bank X and Bank Y recorded higher average NPL ratios than Bank ______.
Z
12
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Higher credit risk resulted in higher lending interest rates and less efficient loan ______.
distribution
13
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Differences in performance were mainly influenced by risk management practices and banking ______ related to credit collectibility.
regulations
14
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Bank Z had a dedicated Credit Management ______ that focused specifically on credit risk management.
Committee
15
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The Credit Management Committee of Bank Z monitored and reviewed credit risk ______.
monthly
16
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High credit risk can lead to higher lending interest rates and increased non-performing ______.
loans
17
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High credit risk can reduce loan distribution and make credit growth ______ harder to reach.
targets
18
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Improving credit risk management supports sustainable business ______.
growth
19
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The study used ______ data obtained from official websites and published reports.
secondary
20
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The data sources included annual reports, quarterly performance reports, corporate presentations, financial records, risk exposure reports, and bank ______ reports.
capital
21
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The data covered the period from ______ to 2023.
2021
22
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The study's data was primarily classified as ______ data because it contained organized numerical and categorical information.
structured
23
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Examples of structured data included NPL ratios, NIM, loan growth, and credit ______ classifications.
collectibility
24
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The data was classified as ______-sized rather than Big Data.
medium
25
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The study primarily employed ______ Analytics.
Descriptive
26
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Descriptive Analytics was used to examine historical financial data, identify trends, and compare bank ______.
performance
27
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The study did not focus on predicting future outcomes but on analyzing ______ financial data.
historical
28
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The major KPIs included NPL ratio, Net Interest Margin, credit growth, and allowance for impairment ______.
losses
29
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The number of credit-risk-related committee ______ was also used as a management and risk-monitoring metric.
meetings
30
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The findings were presented through graphs, ______, and figures.
tables
31
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The visualizations made it easier to identify trends and compare the performance of the three ______.
banks
32
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Bank Z recorded the lowest average NPL ratio of ______%.
1.68
33
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Bank X recorded an average NPL ratio of ______%.
1.94
34
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Bank Y recorded an average NPL ratio of ______%.
2.87
35
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Bank X achieved the highest average loan growth of ______%.
13.05
36
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Bank Y recorded the highest average Net Interest Margin of ______%.
6.84
37
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Bank Z maintained the lowest credit risk while sustaining positive ______ growth.
loan
38
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Bank Z's NPL improved from ______% in 2021 to 1.58% in 2023.
1.80
39
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Bank Z's NPL improved from 1.80% in 2021 to ______% in 2023.
1.58
40
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Bank Z had ______ credit-risk committee meetings in three years.
36
41
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Bank X had ______ credit-risk committee meetings in three years.
26
42
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Bank Y had ______ credit-risk committee meetings in three years.
30
43
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Bank Z had a dedicated ______ Management Committee to monitor and manage credit risk.
Credit
44
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Bank Z maintained a lower average allowance for impairment losses of about ______%.
1.5
45
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The lower allowance for impairment losses suggested that Bank Z had lower ______ risk.
credit
46
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Business Analytics helped identify effective credit risk management practices and areas for ______.
improvement
47
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The study recommended that Indonesian banks establish dedicated credit risk ______.
committees
48
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The study also recommended strengthening risk management ______.
governance
49
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The researchers suggested that banking regulators review credit ______ regulations.
collectibility
50
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Business Analytics helps organizations turn data into useful information that supports better ______-making.
decision
51
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Business Analytics helps businesses make decisions based on actual data instead of assumptions or ______.
guesses
52
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The analysis of banking data helps organizations understand current performance and identify areas for ______.
improvement