ANALISIS KINERJA KEUANGAN PADA BANK UMUM SWASTA DI BURSA EFEK INDONESIA (PERIODE 2019-2023)

Abstract

This research aims to analyze the financial performance of Private Commercial Banks on the Indonesia Stock Exchange using liquidity ratios, solvency ratios and profitability ratios. This research uses quantitative data analysis techniques. In this case, the data used for analysis is financial report data for the 2019-2023 period by reviewing report data, carrying out calculations and applying them to research results. The technique used is to use liquidity ratios, solvency ratios and profitability ratios. The results of this research show that Bank Bukopin experienced a decline in the current ratio and Return on Equity (ROE), with fluctuations in the Debt to Assets Ratio (DAR) and Debt to Equity Ratio (DER). Bank Sinarmas shows stability in its liquidity ratio but with variations in Return on Investment (ROI) and (ROE). Meanwhile, Bank Amar Indonesia experienced a downward trend in its current ratio, with significant fluctuations in DAR and DER, as well as large variations in ROI and ROE. This analysis provides a comprehensive picture of the financial health of the three banks.