DAMPAK BEBAN BUNGA DAN DIVIDEN TERHADAP PROFITABILITAS SERTA EKUITAS PT BANK RAKYAT INDONESIA TAHUN 2023-2024

Abstract

This research intends to examine how interest expenses and dividend strategy influence profitability and equity development at PT Bank Rakyat Indonesia (Persero) Tbk during the period of 2023-2024. In a time of growing rivalry in the banking sector and unpredictable economic conditions, managing interest expenses and dividend policies is vital for sustaining the bank’s financial success. The financial reports from BRI reflect considerable variations in interest expenses and dividend strategies, which may have an impact on profitability and equity advancement. This investigation adopts a descriptive methodology, utilizing secondary information sourced from BRI’s financial statements. The findings indicate that elevated interest expenses can hinder net earnings and diminish profitability, whereas a well-calibrated dividend policy can bolster equity and improve investor trust. In addition, greater profitability leads to increased retained earnings, positively influencing the bank’s equity growth. This study suggests effective financial management tactics so that BRI can sustainably enhance profitability and equity growth despite economic hurdles and competition within the national banking sector. These insights are anticipated to aid bank management in formulating strategic choices about interest expenses and dividend policy.