THE ANALYSIS OF BANK PERFORMANCE IN PT. BANK NEGARA INDONESIA, TBK AND PT. BANK RAKYAT INDONESIA,TBK BASED ON FINANCIAL RATIO

ABSTRACT: Bank is one financial institution that supports the growth and development of the economy of a country. Banks in Indonesia have several functions, one of it is to save money and make loans to the public. Bank  also has a number of purposes such as to improve the quality of service and most importantly to give satisfaction to the  consumer.  The  quality  of  a  bank  can  be  seen  from  the  performance  of  the  bank,  if  the  bank  is  a  good performance management system means the bank is also good. This study aimed to compare the performance of the bank BNI and BRI, the performance of the two banks is measured by financial ratios such as ROA, ROE, NIM, CAR, LDR, NPL during the period year of 2004-2012. This type of research is  a comparative study with secondary data collection techniques. Independent sample t  -  test was used to test the average difference. The conclusion of this study is on the period 2004-2008 there is a performance difference between the BNI and BRI bank seen  from the CAR. And in the period 2009 -2012 there is a performance difference between the BNI and BRI  bank  seen  from  the  CAR,  NPL,  and  LDR.And  in  the  period  2009-2012  there  a  performance  difference between the BNI and BRI bank seen from the CAR, NPL, LDR. BNI and BRI needs to control their asset, loan and uphold the principles of prudential banking in lending to increase their profit.

Keywords: bank Performance, ROA, ROE, NIM, CAR, NPL, LDR, BNI, BRI

Author: Dwi Kosasih

Journal Code: jpmanajemengg130069

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