ABSTRAK
Tujuan dari penelitian ini adalah untuk mengetahui kinerja CAR, likuiditas, solvabilitas, dan rentabilitas Bank Mandiri periode sebelum krisis tahun 2008, krisis tahun 2008, masa pemulihan, dan sesudah pemulihan.
Metode dari penelitian ini adalah membandingkan hasil telaah dari Laporan Keuangan PT Bank Mandiri tahun 2005-2014 menggunakan rasio CAR, likuiditas, solvabilitas dan rentabilitas.
Hasil dari penelitian ini adalah berdasarkan telaah CAR, PT Bank Mandiri dalam kondisi sehat dari tahun ke tahun. Namun mengalami penurunan yang signifikan rasio CARnya sebab terjadi krisis pada tahun 2008. Berdasarkan telaah dengan rasio likuiditas, kinerja Bank Mandiri sudah baik, dari segi cash ratio lebih besar dari 4,05%, loans to deposits ratio kurang dari ketentuan Bank Indonesia nomor 12/19/PBI/2010 dan nomor 15/7/PBI/2013, dan loans to assets ratio kurang dari 80%. Berdasarkan perhitungan solvabilitas sudah baik, dari segi primary ratio, deposits risk ratio, deposits risk ratio, dan capital risk. Berdasarkan perhitungan rentabilitas sudah baik, dari segi gross profit margin, net profit margin, dan gross yeild on total asset.
Kesimpulan dari penelitian ini adalah kinerja Bank Mandiri dari sebelum krisis 2008, krisis, setelah krisis dan masa pemulihan adalah baik.
Berdasarkan kesimpulan di atas, penulis memberikan beberapa saran yaitu Bank Mandiri perlu meningkatkan jumlah kredit yang diberikan serta perlu meningkatkan pengelolaan aset bank.
Kata kunci : supreme mortgage crisis, kinerja bank
ABSTRACT
The purpose of this research was to determine the perfomance level of CAR, liquidity, solvency, and profitability Bank Mandiri period before the crisis of 2008, the crisis of 2008, the recovery period, and after recovery.
The method of this research was to compare the results of the research of financial statements of PT Bank Mandiri years 2005-2014 using CAR ratios, liquidity, solvency and profitability.
The result of this research is based on research of CAR, PT Bank Mandiri in a good condition from year to year. However, a significant decrease occurred because of the CAR’s ratio crisis in 2008. Based on the research of the liquidity ratio, the Bank's performance has been good, in terms of cash ratio greater than 4.05%, loans to deposits ratio of less than Bank Indonesia regulation number 12 / 19/PBI/2010 and number 15/7/PBI/2013, and loans to assets ratio less than 80%. Based on the calculation of solvency has been good, in terms of the primary ratio, risk ratio deposits, deposits risk ratio, and capital risk. Based on the calculation of profitability has been good, in terms of gross profit margin, net profit margin, and gross yeild on total assets.
The conclusion of this research is the performance of the Bank Mandiri of before the crisis of 2008, the crisis of 2008, the recovery period, and after recovery.
Based on the above conclusion, the authors give some suggestions that the Bank Mandiri needs to increase the amount of loans as well as the need to improve the management of the bank's assets.
Keywords: supreme mortgage crisis, the performance of bank