PERBANDINGAN RISIKO LIKUIDITAS DAN TINGKAT PROFITABILITAS PENERAPAN ASSET LIABILITY MANAGEMENT PADA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA

Abstract

The emergence of Covid 19 in the Industrial Era 4.0 where countries in the world are competing to
innovate in various fields, both health, education, and the economy to be able to follow the era towards
the era of Society 5.0. The purpose of this study was to analyze differences in liquidity risk and
profitability level in the application of asset management between state banks and national private
banks. The analytical method used is descriptive comparative analysis by providing an overview of
the liquidity ratios and profitability levels in the application of asset management at State Banks and
National Private Banks listed on the Indonesia Stock Exchange using the formula Cash Ratio and
Return on Assets. The results of the study indicate that (1) there is no difference in liquidity risk in the
application of asset liability management between state banks and national private banks. The liquidity
of the two banks is equally well above the standard set by Bank Indonesia, but there is no insignificant
difference in terms of the amount of liquidity. (2) there is no difference in the level of profitability in the
application of asset liability management between state banks and national private banks. The
profitability of the two banks is above the standard set by Bank Indonesia, but in terms of profitability,
there is a slight difference which is not significant.