ANALISIS KINERJA KEUANGAN PADA PT BANK BCA SYARIAH PERIODE 2022-2023
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Profitability ratios,
PT Bank BCA Syariah
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Abstract
This study aims to analyze the financial performance of PT Bank BCA Syariah during the 2022-2023 period using profitability ratios, namely Return on Assets (ROA), Return on Equity (ROE), and Operating Expenses to Operating Income (BOPO). The research employs a descriptive quantitative method, utilizing secondary data from the official financial reports of Bank BCA Syariah. The findings reveal that the BOPO ratio increased from 43.20% in 2022 to 62.37% in 2023, maintaining a "Very Good" category. ROA improved from 1.15% in 2022 to 1.32% in 2023, reflecting a "Good" category. However, ROE rose from 4.01% in 2022 to 4.99% in 2023 but remained in the "Poor" category. This analysis highlights the bank's operational efficiency and profitability capabilities while identifying areas for improvement to enhance its financial performance in the future.
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