Analisis Rasio Keuangan Untuk Menilai Kinerja Keuangan Pada PT Bank Negara Indonesia (Persero) Tbk.
Success in the world of business such as banking is depend on the right management and the decision making. In order to be able to make informed decisions, financial information is clear, complete and accurate. The Information in bank financial statements as an effort to assist various parties concerned to know the financial development of a bank, both internal and external in assessing the financial condition of a bank. The problem studied in this research is how the financial performance at PT Bank Negara Indonesia (Persero) Tbk based on liquidity ratio and profitability ratio.
This study aims to determine the financial performance of PT Bank Negara Indonesia (Persero) Tbk based on analysis of liquidity ratio and profitability ratio. The conclusion of this research that the result of financial ratio analysis of banking on liquidity ratio analysis of condition of financial performance at PT Bank Negara Indonesia (Persero) Tbk based on cash ratio and loan to deposit ratio can be said good. While quick ratio is good and banking ratio is not good. In the results of profitability ratio analysis of financial performance condition based on gross profit margin, net profit margin, return on asset, return on equity and BOPO can be said good and overall have fulfilled the criteria or are above the standard set by Bank Indonesia.
It is suggested that the management of PT Bank Negara Indonesia (Persero) Tbk always strive to maximize the increase of total deposits and total assets and capital in an effort to meet the amount of credit disbursed which continues to increase high every year for liquidity ratios that have not met the criteria or the standard set by Bank Indonesia is banking ratio and maximizes the total assets and paid-in capital in an effort to increase profitability for profitability ratios that tend to fluctuate annually and especially on net profit margin ratios that tend to decrease annually.
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