Analisis Perbandingan Permodalan, Kualitas Aset, Manajemen, Efisiensi, Likuiditas dan Sensitivitas Risiko Pasar dalam Kinerja Keuangan PT. Bank Sumut dan PT. Bank Bengkulu Periode 2020-2022

Abstract

This study aims to determine the performance of capital, asset quality, management, efficiency, liquidity and market risk sensitivity in financial performance at PT. Bank Sumut and PT. Bank Bengkulu. The type of research in this study is qualitative with a descri pt ive approach. In this study the authors used a collection technique with the type of data used in the form of secondary data, namely through financial reports. The period of data taken by the author is 2020 2022. To obtain materials and data in co nnection with this final project, the authors conducted research using descri pt ive research methods which are research conducted with the main objective of providing an overview or descri pt ion of a situation objectively, using capital analysis techniques, asset quality, management, efficiency, liquidity and market risk sensitivity in financial statements. The results of this study found that the financial performance of PT. Bank Sumut can be said to be good. Although in general the financial performance of PT. Bank Sumut in terms of asset quality, management, liquidity and sensitivity shows fluctuating performance. And for the financial performance of PT. Bank Bengkulu itself can be said to be still good even though also from the aspects of asset quality, management, efficiency, liquidity still show fluctuating performance and from the aspect of sensitivity itself PT. Bank Bengkulu cannot be known because PT. Bank Bengkulu has not been categorised / included in foreign exchange banks.