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.
Author: Dwi Kosasih
Journal Code: jpmanajemengg130069
