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Abstract : The objective of this study is to find the financial performance of PT Bank Muamalat Indonesia, Tbk.
(BMI) by analyzing the profitability and the risk through financial ratio analysis based on the regulations of Bank Indonesia (BI) from 2005 to 2009.This descriptive analysis research employs ROA and ROE technique followed by ratio analysis, namely KPMM, KAP, NOM, STM, and MR. The result of this research shows positive trend of the value of ROA and ROE in the period of 2005-2008, while in 2009 there was significant decrease. The value of KPMM decreased in 2005-2007 and increased in 2008-2009. The value of KAP was inclined to decrease from 2005 to 2009. The value of the company’s NOM experienced increasing trend in 2005-2008 butdecreased up to 6.17% in 2009. The value of STN was stable from 2005 to 2009 eventhough there was a slight decrease and increase whose value was not significant. The value of MR experienced significant decrease in the period of 2006-2007 and followed by the decrease in 2008-2009 up to the level of 5.81%. It can be concluded that in terms of its ROA and ROE, BMI did not have maximum financial performance, yet based on the risk analysis of the regulations of BI, BMI has good financial performance.Better management is needed to obtain more profit and to comply with current regulation.

Keywords : Financial Performance, Financial Ratio Analysis.

Andri Wibisono, Rodhiyah Rodhiyah

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