Analisis Rasio Likuiditas Solvabilitas Dan Rentabilitas Untuk Mengukur Kinerja Keuangan Pt Bank Smbc Indonesia Tahun 2019-2023
DOI:
https://doi.org/10.21111/ijtihad.v19i2.14732Keywords:
Financial PerformanceAbstract
This study is conducted to evaluate the financial performance of PT. Bank SMBC Indonesia over the period from 2019 to 2023 by analyzing various financial ratios, including those related to liquidity, solvency, and profitability. The research employs a descriptive quantitative approach, utilizing secondary data sourced from the official website of Bank SMBC Indonesia. Liquidity was assessed through the Quick Ratio and Loan to Deposit Ratio, while solvency was measured using the Debt to Asset Ratio. Profitability was examined by analyzing Return on Assets (ROA) and Return on Equity (ROE). The results reveal that, despite some fluctuations 3the study period, the overall financial condition of Bank SMBC Indonesia remained relatively stable. The liquidity ratios demonstrated that the bank maintained a sufficient capacity to fulfill its short-term liabilities. The solvency ratio indicated a consistent ability to manage its long-term financial obligations. Profitability ratios showed that the bank was generally effective in generating income, although certain years experienced a decline. In summary, the financial performance of PT. Bank SMBC Indonesia from 2019 to 2023 can be considered sound, yet there is room for enhancement, particularly in improving the efficiency of asset and equity management.References
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