ANALISIS RASIO SOLVABILITAS DAN RASIO PROFITABILITAS SEBAGAI ALAT UNTUK MENILAI KINERJA PADA PT BANK RAKYAT INDONESIA (PERSERO) TBK PERIODE 2018-2021

Abstract

The purpose of this study is to assess how the financial performance of the company PT Bank Rakyat Indonesia (Persero) Tbk for the 2018-2021 period. This research is a quantitative descriptive research in the form of financial statements. The financial report data was obtained from PT Bank Rakyat Indonesia (Persero) Tbk. Data collection techniques are carried out with secondary data, namely company records or documentation in the form of journals, and financial reports that are arranged in archives or from PT Bank Rakyat Indonesia (Persero) Tbk. The tool used for analysis is financial ratio analysis which includes solvency ratios and profitability ratios. The results of the calculation of the solvency ratio based on the average results of the calculation of the debt to asset ratio and debt to equity ratio for the last four years of 83.5% and 55.7% can be said that the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk can be said " not good” because it is still below the industry average standard. And the results of the calculation of the profitability ratio based on the results of the average calculation of Gross Profit Margin, Net Profit Margin, ROA,for the last four years of 43.69%, 32.69%, 2.55% can be key The financial performance of PT Bank Rakyat Indonesia (Persero) Tbk can be categorized as “very good” because it is above the industry average.