Analisis Kinerja Keuangan Bank BUMN Periode 2017-2021
Abstract
Penelitian ini bertujuan untuk menganalisis tingkat kesehtan bank milik pemerintah yaitu Bank Negara Indonesia, Bank Mandiri dan Bank Rakyat Indonesia periode 2017-2021 dengan menggunakan metode Risk-Based Bank Rating (RBBR). Kategori RBBR yang digunakan yaitu Risk Profile (Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR)), Earning (Return On Asset (ROA)) dan Capital (Capital Adequecy Ratio). Hasil analisis yaitu Non Performing Loan (NPL) menunjukan bahwa Bank Negara Indonesia, Bank Mandiri dan Bank Rakyat Indonesia masuk kategori sehat. Sedangkan diukur dari rasio Loan to Deposit Ratio (LDR) tiga bank tersebut pada periode yang sama masuk pada kategori cukup sehat. Penilaian tingkat kesehatan bank dilihat dari faktor Earning pada periode 2017-2021 dengan rasio Return On Asset (ROA) menunjukan bahwa Bank Negara Indonesia, Bank Mandiri dan Bank Rakyat Indonesia masuk kategori sangat sehat. Penilaian tingkat kesehatan bank dilihat dari faktor Capital pada periode 2017-2021 dengan rasio Capital Adequecy Ratio menunjukan bahwa Bank Negara Indonesia, Bank Mandiri dan Bank Rakyat Indonesia masuk kategori sangat sehat.
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