Year: 2026 | Month: January | Volume: 13 | Issue: 1 | Pages: 486-497
DOI: https://doi.org/10.52403/ijrr.20260147
Financial Performance Analysis of PT. Bank Rakyat Indonesia (Persero) TBK
Sabrin1, Muliha Halim2, Nuryamin Budi3, Yusna Indarsyih4, Dzulkarnain5, Muhammad Faried Pratama6
1Department of Accounting Education, Faculty of Teacher Training and Education, Universitas Halu Oleo, Kendari, Indonesia
2Department of Economics, Faculty of Teacher Training and Education, Universitas Halu Oleo, Kendari, Indonesia
3Department of Management, Faculty of Economics and Business, Universitas Halu Oleo, Kendari, Indonesia
4Department of Agribusiness, Faculty of Agriculture, Universitas Halu Oleo, Kendari, Indonesia
5Department of Agricultural Industry Technology, Universitas Muhammadiyah, Kendari, Indonesia
6Department of Management, Sekolah Tinggi Ilmu Ekonomi Enam Enam, Kendari, Indonesia
Corresponding Author: Sabrin
ABSTRACT
This study aims to determine and analyse the financial performance of PT. Bank Rakyat Indonesia (Persero) Tbk (or BRI Bank). The type of data used in this study was quantitative data. The data collection techniques involved documentation techniques and literature studies. The data analysis technique used liquidity, solvency, and profitability ratio formulas. The results of this study indicate that the financial performance of BRI Bank for the period of 2020 to 2024 shows a stable condition with increasing profitability, reflecting efficiency in asset management and interest income. Although solvency is considered ideal in terms of capital structure, the company still relies heavily on external financing. On the other hand, liquidity is not optimal because the current ratio is below standard, although cash is maintained. Thus, the company needs to strengthen liquidity management and reduce dependence on debt to improve overall financial performance.
Keywords: liquidity, solvency, and profitability
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