CD-ROM
Analisis Perbedaan Kinerja Keuangan Rasio Risk Profile, Earnings, dan Capital antara PT. Bank Rakyat Indonesia Tbk dengan PT. Bank Central Asia Tbk pada Tahun 2015-2019 (CD + Cetak)
This study aims to compare the soundness level of the bank between state-owned banks, namely BRI Bank and BUSN banks, namely BCA Bank in 2015-2019. This study was analyzed using part of the RBBR method. This type of research is comparative descriptive. The variables and measurements in this study consist of Risk Profile factors, Earnings factors, and Capital factors. The results of the analysis show that Bank BRI and Bank BCA in 2015-2019 were at different health levels. The Risk Profile factor is assessed through the NPL and LDR. In the NPL ratio, Bank BCA excels with the predicate very healthy and Bank BRI with the predicate healthy. Meanwhile, the LDR ratio of Bank BCA received a healthy predicate so that it was superior to Bank BRI with a fairly healthy predicate. Through these two ratios, it can be said that the two banks are able to manage credit risk and liquidity risk very well. The Earnings factor, which is assessed by ROA, ROE, NIM, and BOPO, shows that during 2015-2019 the profits obtained by Bank BRI were superior to Bank BCA. However, on the Earnings aspect, the two banks are stated to be very healthy. By using the CAR indicator, the researcher proved that both BRI and BCA banks had a good capital factor, namely by obtaining a very healthy CAR ratio. This proves that both banks have sufficient capital to anticipate a risk
Keywords: banking soundness level, risk profile, earnings, capital
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