Analisis Kinerja Keuangan dengan Metode Rasio pada PT Bank Central Asia Tbk Periode 2006-2015

Abstract

This research is meant to determine the company’s financial performance of PT Bank BCA Tbk during 2006-2015 periods by using liquidity and profitability ratio analysis. PT Bank BCA financial statement is necessary for researched because PT Bank BCA Tbk is one of the largest private Bank in Indonesia. Furthermore, Bank BCA has gain many achievement so that it may be guidance for the other banks. This research is using financial statement of PT Bank BCA Tbk 2006- 2015 periods as object. Data were obtained through documentation, The data is the secondary data in the form of company’s financial statement which has been obtained from www.bca.co.id. This research is a description research. The data analysis is carried out by using financial ratio analysis such as liquidity and profitability. As for determine the developments of the financial performance, Trend Analysis is being used. The liquidity ratio analysis result showed that, BCA bank has less liquid which is 13.8% below the normal average of quick ratio which is 15%. Other than that, BCA has qualified to BI’s standard of its loan to deposit ratio (LDR) which is 61.1%. Profitability ratio analysis has shown that the average of ROA is 3.63%, NIM average 5.8%, and the average of BOPO is 63.6% which has meet the standard of BI regulation.