iii ABSTRAK
ANALISIS KINERJA KEUANGAN DENGAN METODE RASIO PADA PT BANK CENTRAL ASIA TBK PERIODE 2006-2015
Nama : Suryadi
NIM : 130907155
Program Studi : Ilmu Administrasi Bisnis Fakultas : Ilmu Sosial dan Ilmu Politik Pembimbing : Malanthon Rumapea, SE, M.Si
Tujuan dilakukannya penelitian ini adalah untuk mengetahui kinerja keuangan pada PT. Bank Central Asia Tbk periode 2006-2015 dengan analisis rasio likuiditas dan rasio rentabilitas.
Laporan Keuangan PT Bank BCA Tbk penting untuk diteliti karena PT Bank BCA Tbk merupakan salah satu Bank milik Swasta terbesar di Indonesia. Selain itu, Bank BCA juga memiliki prestasi yang sangat baik sehingga dapat dijadikan pedoman bagi bank-bank lain.
Objek penelitian ini adalah laporan keuangan PT Bank BCA Tbk periode 2006-2015 yang telah diaudit. Data penelitian diperoleh melalui dokumentasi, Data yang digunakan adalah data sekunder berupa laporan keuangan perusahaan yang didapat dari www.bca.co.id. Penelitian ini termasuk penelitian deskriptif. Analisis data yang dilakukan dengan menggunakan analisis rasio yaitu rasio likuiditas dan rentabilitas. Adapun untuk menganalisis perkembangan kinerja keuangan dari tahun 2006-2015 digunakan teknik analisis trend.
Hasil penelitian menunjukkan pada analisis rasio likuiditas, rata-rata Quick Ratio Bank BCA sebesar 13.8% tergolong kurang likuid karena dibawah 15%. Rata-rata Loan to Deposit Ratio (LDR) sebesar 61.1% yang telah memenuhi standar BI. Pada analisis rasio rentabilitas, rata-rata pada ROA sebesar 3.63%, rata-rata NIM sebesar 5.8%, dan rata-rata BOPO sebesar 63.6% yang telah memenuhi standar Bank Indonesia.
Kata Kunci : Kinerja keuangan, Rasio Keuangan
iv ABSTRACT
FINANCIAL PERFORMANCE ANALYSIS OF BCA BANK USING RATIO METHOD DURING 2006-2015 PERIODS
Nama : Suryadi
NIM : 130907155
Program Studi : Business Administration Fakultas : Social and Political Science Pembimbing : Malanthon Rumapea, SE, M.Si
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.
Keyword: Financial performance, Financial Ratio
