KOMPARISI TINGKAT KESEHATAN BANK PADA PT BANK CENTRAL ASIA, TBK DAN PT BANK CENTRAL ASIA SYARIAH, TBK PADA PERIODE 2018-2022

Wahyu Oesin Robin Jonathan2 Heriyanto,3

Abstract


Comparison of soundness levels at PT. Bank Central Asia, Tbk and PT. Bank Central Asia Syariah, Tbk in the 2018 – 2022 period. Under the guidance of Robin Jonathan and Heriyanto.

The aim of this study was to compare the soundness level of PT. Bank Central Asia, Tbk and PT. Bank Central Asia Syariah, Tbk in the 2018 – 2022 period as reviewed from the Profitability Ratio (ROA), Credit Risk Ratio (NPL), Liquidity Ratio (LDR) and Operational Efficiency Ratio (BOPO).

The results of this research show that : 1) during the 2018-2022 period the Profitability Ratio (ROA) of PT. Bank Central Asia, Tbk is higher with an average value of 3,02% compared to PT. Bank Central Asia Syariah, Tbk with an average value of 1,18%; 2) during the 2018-2022 period the Credit Risk Ratio (NPL) of PT. Bank Central Asia, Tbk is higher with an average value of 1,68% compared to PT. Bank Central Asia Syariah, Tbk with an average value of 0,796%; 3) during the 2018-2022 period the Liquidity Ratio (LDR) of PT. Bank Central Asia, Tbk is lower with an average value of 71,02% compared to PT. Bank Central Asia Syariah, Tbk with an average value of 84,52%; and 4) during the 2018-2022 period the Operational Efficiency Ratio (BOPO) of PT. Bank Central Asia, Tbk is lower with an average value of 56,22% compared to PT. Bank Central Asia Syariah, Tbk with an average value of 85,54%.

Based on the results of this research, it show that : 1) hypothesis H1 is accepted, which means the Profitability Ratio (ROA) of PT. Bank Central Asia, Tbk is higher than PT. Bank Central Asia Syariah, Tbk; 2) hypothesis H2 is accepted, which means the Credit Risk Ratio (NPL) of PT. Bank Central Asia, Tbk is higher than PT. Bank Central Asia Syariah, Tbk; 3) hypothesis H3 is rejected, which means the Liquidity Ratio (LDR) of PT. Bank Central Asia, Tbk is lower than PT. Bank Central Asia Syariah, Tbk; 4) hypothesis H4 is rejected, which means the Efficiency Ratio (BOPO) of PT. Bank Central Asia, Tbk is lower than PT. Bank Central Asia Syariah, Tbk.

Keywords


Profitability Ratio, Credit Risk Ratio, Liquidity Ratio, and Operational Efficiency Ratio

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DOI: https://doi.org/10.31293/jma.v14i3.9801

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