Financial Ratio Analysis of PT Bank Negara Indonesia (Persero) Tbk Year 2018-2022

Authors

  • Dinda Sabilah National University, Jakarta
  • Rini Ariyani National University, Jakarta
  • Kumba Digdowiseiso National University, Jakarta

DOI:

https://doi.org/10.59889/ijembis.v4i1.357

Keywords:

Solvency, Profitability, Ratio, Bank

Abstract

The aim of this research is to determine the liquidity, solvency and profitability ratios at PT Bank Negara Indonesia (Persero) Tbk for the 2018-2022 period. This research uses quantitative methods with a descriptive approach. The results of the discussion in this research are that with liquidity ratios consisting of Quick Ratio, Banking Ratio, Loan to Assets Ratio, and Loan to Deposit Ratio, it can be seen that financial conditions change each period, namely the amount of loans given is less than the amount of money saved by customers. Based on an analysis of the solvency ratio at PT Bank Negara Indonesia (Persero) Tbk for the 2018-2022 period, it shows that the primary ratio and capital adequacy ratio tend to increase, making it easier for the bank to manage losses that occur in each period. PT Bank Negara Indonesia (Persero) Tbk's profitability ratio tends to vary due to declines and increases. However, in the 2020 period the level of health tends to be poor based on the ROA and ROE values ??because it has not been able to generate profits from the capital it has. It can be concluded that from all the liquidity, solvency and profitability ratio analyzes that have been carried out, it can be seen that the financial performance of PT Bank Negara Indonesia (Persero) Tbk for the 2018-2022 period has increased quite significantly.

Downloads

Download data is not yet available.

References

Digdowiseiso, K. (2017). Economic and Business Research Methodology. National University Publishing Institute.

Fadila et al. (2023). Financial Ratio Analysis of PT. Central Bank of Asia Tbk. COSTING: Journal of Economics, Business and Accounting, 6(2), 2597-5234.

Harimurti, Cundo & Pandoyo, Pandoyo & Sofyan, Mohammad. (2022). FACTORS AFFECTING NON-PERFORMING LOANS IN STATE-OWNED BANKING. International Journal of Economics, Business and Accounting Research (IJEBAR). 6(2),1292-1299. http://dx.doi.org/10.29040/ijebar.v6i2.5273

Misral, M., Rahmayanti, S., & Rahayu, NI (2021). Financial Performance Analysis of State-Owned Banks and Private Banks Based on Financial Ratios. Journal of Accounting and Economics, 11(2), 273-282.

Muhajir., Miftahurrahman., & Dewi, ZR (2022). Analysis of Bank Negara Indonesia and Bank Negara Indonesia Syariah Financial Reports. Al-Afkar, Journal For Islamic Studies, 5(2), 180–190.

Nurhasanah, D., & Maryono. (2021). Analysis of the Effect of Financial Ratios on Profitability in Banking Companies for the 2016-2018 Period. KEUNIS JOURNAL (Finance and Business), 9(1), 85-95.

Shofwatun, H., Kosasih, K., & Megawati, L. (2021). Financial Performance Analysis Based on Liquidity and Profitability Ratios at PT POS Indonesia (Persero). KRISNA: Accounting Research Collection, 13(1), 59-74.

Downloads

Published

2024-01-31

How to Cite

Sabilah, D. ., Ariyani, R. ., & Digdowiseiso , K. . (2024). Financial Ratio Analysis of PT Bank Negara Indonesia (Persero) Tbk Year 2018-2022. INTERNATIONAL JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND SOCIAL SCIENCE (IJEMBIS), 4(1), 558–564. https://doi.org/10.59889/ijembis.v4i1.357

Most read articles by the same author(s)

1 2 3 4 5 6 7 8 9 > >>