Penelitian ini dilakukan pada Bank Jabar Banten. Fenomena yang terjadi adalah peningkatan dan penurunan yang terjadi pada rasio likuiditas periode 2012 – 2014. Kenaikan dan penurunan pada rasio likuiditas diukur dengan menggunakan lima variabel yaitu Cash Ratio, Reserve Requirement, LDR, LAR dan NCM to CA. Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif dengan objek penelitian yang digunakan yaitu Bank Jabar Banten. Tujuan penelitian untuk mengetahui bagaimana perkembangan likuiditas Bank Jabar Banten serta kondisi likuiditas Bank Jabar Banten dilihat dari Cash Ratio, RR, LDR, LAR dan NCM to CA. Hasil penelitian menunjukkan bahwa penurunan likuiditas disebabkan oleh Current Asset yaitu Giro Bank Indonesia yang diukur oleh Cash Ratio, RR, NCM to CA dan kredit yang diukur oleh LDR dan LAR. Sedangkan kenaikan likuidtas disebabkan oleh Dana Pihak Ketiga yaitu tabungan yang diukur oleh Cash Ratio, RR, LDR dan kredit yang diukur oleh LAR serta Pinjaman dari bank lain yang diukur oleh NCM to CA. Dapat ditarik kesimpulan bahwa penurunan yang terjadi tidak menyebabkan bank bjb tidak likuid karena penurunan likuiditas yang diukur oleh Cash Ratio, RR, LDR, LAR dan NCM to CA tidak melebihi standar yang telah ditetapkan masing – masing rasio. Kata Kunci: Likuiditas, Cash Ratio, Reserve Requirement, Loan to Deposit Ratio, Loan to Asset Ratio, Net Call Money to Current Asset.

This research was conducted at the Bank Jabar Banten. The phenomenon that occurs is the increase and the decrease in the liquidity ratio of the period of 2012 - 2014. The increase and decrease in liquidity ratio seen from the five measuring variables that is the Cash Ratio, Reserve Requirement, LDR, LAR and NCM to CA. The method used in this research is descriptive analysis method with the object of research were used that Bank Jabar Banten. The aim of the research to find out how the development of Bank Jabar Banten liquidity that seen from the Cash Ratio, RR , LDR, LAR and NCM to CA. The results showed that the decrease of liquidity caused by the Current Asset namely Giro Bank Indonesia as measured by the Cash Ratio, RR, NCM to CA and credit as measured by the LDR and LAR. The increase liquidity caused by third party funds that savings as measured by the Cash Ratio, RR, LDR and credit as measured by LAR and loans from other banks as measured by the NCM to CA. It can be concluded that the decline is not cause bjb bank illiquid due to the decrease of liquidity as measured by the Cash Ratio, RR, LDR, LAR and NCM to CA does not exceed the established standards of each ratio. Keywords: Liquidity, Cash Ratio, Reserve Requirement, Loan to Deposit Ratio, Loan to Asset Ratio, Net Call Money to Current Asset.

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