<![CDATA[A company's financial performance can be assessed by analyzing financial ratios based on published annual financial statements. This study aimed to evaluate how well PT Bank Central Asia Tbk (BCA) is doing financially from 2020 to 2024 by using financial ratios that include liquidity ratios, leverage ratios, and profitability ratios. This study used a quantitative descriptive analysis method by collecting, processing, and interpreting secondary data from the annual financial reports of PT Bank Central Asia Tbk and data from the Indonesia Stock Exchange (IDX). Liquidity ratios were measured using the current ratio and quick ratio to determine the company's ability to meet its short-term obligations. The leverage ratio was measured using the debt-to-equity ratio and debt-to-asset ratio to see the capital structure and the company's level of dependence on debt. Meanwhile, the profitability ratio was analyzed using return on assets (ROA) and return on equity (ROE) to evaluate the company's efficiency in generating profits. Based on the analysis results, it can be concluded that PT Bank Central Asia Tbk's financial performance during 2020–2024 is in a healthy condition, with controlled leverage and high profitability, although the liquidity ratio indicates less than optimal conditions. The contribution of this research was to provide empirical insights into BCA's financial resilience during dynamic economic conditions, offering valuable references for management in decision-making, investors in evaluating risk and return, and academics as a comparative study for further research on banking financial performance.]]>
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