analys Analisis Kinerja Keuangan Bank Dilihat Dari Aspek Likuiditas, Solvabilitas dan Profitabilitas PT. Bank NTB Syariah
indonesia
Abstract
This study analyzes the financial performance of PT. Bank NTB Syariah from 2019 to 2023, focusing on three main aspects: liquidity, solvency, and profitability. The method employed is financial ratio analysis, which allows for an in-depth evaluation of the bank's ability to meet financial obligations, manage debt and equity, and generate profit. The results indicate that despite fluctuations in liquidity ratios such as the Quick Ratio and Cash Ratio, the bank remains in a healthy condition with values above industry standards. The solvency ratios show improvements in the Primary Ratio and Capital Ratio over the years, reflecting a strengthening of the capital structure. In terms of profitability, although the Gross Profit Margin and Net Profit Margin experienced declines during certain periods, both remained within healthy ranges. Overall, PT. Bank NTB Syariah demonstrates good financial performance despite facing challenges, with potential for future profitability improvements.
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