Vol. 2 No. 3 (2025): Resilient Economies and Inclusive Digital Growth in a Post-Transformation Era
Articles

Financial Ratio Analysis of PT Bank Rakyat Indonesia (Persero) for the Years 2023–2024

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  • Arisman,
  • Wahyu Andrianto
Arisman
Universitas Mahakarya Asia, Yogyakarta
Bio
Wahyu Andrianto
Universitas Mahakarya Asia, Yogyakarta
Bio

Published 2026-02-07

Keywords

  • Financial ratios,
  • Finance performance,
  • Banking,
  • Finance

Copyright (c) 2026 Arisman (Author)

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Abstract

This study aims to evaluate the financial performance of PT Bank Rakyat Indonesia (Persero) Tbk by applying financial ratio analysis for the 2023–2024 period. A quantitative descriptive method is employed using secondary data obtained from the annual financial statements published by the Indonesia Stock Exchange. The financial ratios examined include Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), and Cost to Income Ratio (CIR). The findings indicate that BRI’s financial performance remains sound and relatively stable throughout the observation period. Although profitability and interest margins experienced pressure due to macroeconomic conditions and monetary policy tightening, the bank successfully maintained operational efficiency, asset quality, and intermediation performance

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References

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