ANALISIS KINERJA KEUANGAN PT. BANK MANDIRI Tbk DIBANDINGKAN DENGAN PT. BANK CENTRAL ASIA Tbk

ANSHORI, SOFYAN (2011) ANALISIS KINERJA KEUANGAN PT. BANK MANDIRI Tbk DIBANDINGKAN DENGAN PT. BANK CENTRAL ASIA Tbk. S2 thesis, Universitas Mercu Buana Jakarta-Menteng.

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Abstract

T h e r e s e a r c h o f A n aly sis fin a n c ial p e r for m a n c e P T . B a n k M a n d iri T b k c o m p a r e d b y P T . B a n k C e n tr a l A s ia a re a n a lys is of R O E w ith D u p o n t c o n c e p t a n d o th er fin a n c ial a n a lysis ratio . M e a n w h ile th e fin a n cia l a n a lys is r atio u s e d to e v a lu a te the level o f h e alth y ne s s a b a n k a c c or d in g to th e r e g ula tio n fr o m B a n k In d o n e s ia . T he research m ethod are descriptive m ethod by used D upont concept and analysis other financial perform ance w here data using se c under and annually. A c c o r d in g to c a lc ula tio n it s e e m s th at th e R O E o f P T . B a n k M a n d ir i T b k flu c tu a te s ig n ific a ntly . T h is flu ctu a tio n is a r es u lt fr o m th e flu c tu atio n of R O A a n d e q u ity m u ltip lie r . T h e flu c tu atio n o f R O A is a r e s ult o f th e fluc tu a tio n in p r ofit m a r g in a n d a s s e t u tiliz a tio n . M o r e o v e r , t h e r e s e a r c h fo u n d th e p r o fit m a r g in in the P T . B a n k M a n d ir i T b k is a r e s ult o f th e flu c tu atio n of in te r e st e x p e n s e r atio , lo a n lo s es r a t i o , n o n i n t e r e s t e x p e n s e a n d t a x r a t i o . M e a n w h i le , t h e fl u c t u a t i o n o f a s s e t u tiliz a tio n is a r e s u lt o f the flu ac tu a tio n o f in te re s t in c o m e a n d n o n in c o m e is te r e st e x p e n s e to tota l as s e t.O v e r all th e flu ctu a tio n p e rfo r m a n c e of th e P T . B a n k M a n d iri T b k p erio d 2 0 0 5 - 2 0 0 9 in d ic ate s a g o o d re su lt, w h ic h in th e m in im u m ca p ita l req u irem en t reg ula tio n (C A R ) a t terra ce 1 . If com pared by other b a n k fin a n c ial p e r for m a n c e a r e P T . B a n k C e n tr a l A sia th at a s th e w h o le c riter ia P T . B a n k M a n d ir i b etter . E x c e p fo r R O E a n d N IM . K e y W o rd s : R O E , D u p o n t C o n c e p t, T h e L e v e l of H e a lth yn e ss a n d C A R P e n e litia n ini m e n g a n alisis k in erja k e u a n g a n P T . B a n k M a n d iri T b k d ib a n d in g ka n d e n g a n P T . B a n k C e n tra l A sia T b k d e n g a n m e n g g u n a k a n k o n se p D u p o n t da n a n a lisis ra sio k e u a n g a n lain n y a y a n g re le v a n . S e m e n ta ra itu a n a lisis ra sio keuangan digunakan un tu k m en g ev alu asi tin g k at k eseh atan b an k d en g an m en g acu p a d a p e ra tura n d a ri B a n k In d o n e sia . M e to d e p e n elitia n m e n g g u n a k a n m eto d e d e s kriptif d e n g a n m e n g g u n a k a n k o n se p D u p o n t d a n m e n g a n a lis a tin g k a t k in erja k e u a n g a n lain d i lu a r m eto d e D u p o n t, dim ana data ya n g d ig u na k a n a d a la h d a ta se k u n d e r d a n d ata ta h u n a n . B e rd a sa rk a n h a sil p erh tu n g a n te rlih at b a h w a R O E P T . B a n k M a n d iri b erflu ktu a si c u k u p ta jam . F lu k tu asi R O E in i a k ib at d a ri flu ktu a si R O A d a n E q u ity M u ltiplier. T e rja d in y a flu a k tu as i R O A P T . B a n k M a n d iri T b k s e la nju tn y a a kib a t flu ktu a si p ro fit m a rgin d a n a s s e t utiliz atio n . H a s il p e n e litia n le b ih ja u h b a h w a p ro fit m a rgin P T . B a n k M a n d iri d ia kib a tk a n ole h flu ktu a si in tere st e x p e n se ratio , loa n lo sses r a t i o , n o n i n t e r e s t e x p e n s e r a ti o d a n t a x ra t i o .S e d a n g k a n fl u k tu as i as s e t u tiliz a tio n a k ib a t flu k tua s i in tere s t in c o m e da n n o n in te re st in c om e terh a d a p tota l a s s et. S e c a ra k e s elu ru h a n kin e rja k e u a n g a n P T . B a n k M a n d iri T b k s ela m a p erio d e 2 0 0 5 - 2 0 0 9 m e n u n ju k k a n h a s il y a n g ba ik , dim a n a d a lam k e te n tu a n pe n y e d ia a n m o d al m in im u m (C A R ) b e ra d a p a d a p e rin g k a t 1 . B ila d ib a n din g k a n d e n ga n k in erja ke u a n g a n B a n k la in y aitu P T . B a n k C e n tral A sia , m a k a se c a ra k e selu ru h a n P T . B a n k M a n d iri T b k u n g g u l. K e c u a li u n tu k tingkat R O E dan N IM . K a ta K u n c i : R O E , K o n se p D u p o n t, T in g k a t K e se h atan dan C A R

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