Analisis Kinerja Keuangan Pada PT Bank Pembangunan Daerah Kalimanta Timur dan Kalimantan Utara

Abstract

This study aims to determine and analyze the financial performance of PT Regional Development Bank of East Kalimantan and North Kalimantan as measured by the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Return On Assets (ROA) during 2018-2021.

The analytical tool used in this research is financial performance analysis related to risk based bank rating (RBBR), including Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Return On Assets (ROA).

The results show that the Capital Adequacy Ratio (CAR) has increased, which indicates a good company performance. The CAR that has increased shows that the bank is able to support operational losses if they occur and can support large lending. The Loan to Deposit Ratio (LDR) has decreased, indicating that the company is able to maximally distribute funds collected from the public in the form of credit. There has been a decrease in Return On Assets (ROA) which should be a concern for company management, where even though this happened as a result of the Covid-19 pandemic that hit, but with the pandemic conditions that are still being felt by all people, companies must make strategies and policies strategic plan to increase the net profit that can be obtained.