Analisis Analisis Perbandingan Kinerja Keuangan Sebelum dan Sesudah Konversi Bank Riau Kepri Syariah Periode 2020-2024

Kinerja Keuangan

Abstract

This research aims to analyze the differences in financial performance before and after the conversion of Bank Riau Kepri Syariah (BRKS) during 2020-2024 period. This research employs a comparative quantitative method using monthly finanxial report data obtained from the official website of BRKS . Data analysis was conducted using descriptive statistics, normality tests, and difference tests, namely the Paired sample t-test and Wilcoxon signed rank test.the indicators used include Current Ratio, Return On Assets, Return On Equity, Net Interest Margin, Net Operating Margin, Net Profit Margin, and Operating Expenses to Operating Income. The results indicate that there are significant differences in financial performance before and after the conversion. The Current Ratio increased after the conversion, while profitability and effivciency ratios decreased after the conversion. This indicates that the conversion process has an impact on the bank’s financial performance, particularly in terms of profitability and operational efficiency.

Keywords: Bank conversion, financial performance