Analysis of Liquidity, Solvency, and Profitability Ratios Can Assessthe Financial Health of PT. Bank Central Asia,Tbk Jakarta

Abstract

This thesis was written by Ardhiaranny Dhanneswari in August 2025 with the title: Analysis of Liquidity, Solvency, and Profitability Ratios to Assess the Financial Health of PT Bank Central Asia Tbk Jakarta. The purpose of this research is to obtain in-depth information regarding liquidity, solvency, and profitability ratios in measuring financial performance, as well as to generate insights from processed data on the extent to which these ratios can be used to evaluate the financial condition of the bank. This study employed a descriptive method by analyzing financial statement data to determine the level of financial performance, thereby providing a clear picture of the company’s financial condition. The data analyzed are quantitative in nature, obtained through library research and indirect observation via the official website. The results show that the five-year average Quick Ratio was 31.23%, indicating strong liquidity but less efficiency due to excess liquid assets. The funding structure was relatively sound with an average LDR of 66.83% and Loan-to-Assets ratio of 52.61%. In terms of profitability, ROA 3.08% and NIM 5.32% demonstrated good performance, while ROE 17.91% remained below the benchmark. Operational efficiency was reflected in BOPO 44.34%, and solvency was very strong with a CAR of 27.21%. Overall, BCA’s performance during the period can be categorized as good, though liquidity management is needed to optimize the utilization of current assets into more productive activities.