T This final project report aims to analyze the influence of financial statement analysis on the prospective customer acceptance process, which affects the Risk-Based Capital (RBC) value in the surety bond business. Surety bond is a significant business class in the insurance industry, and its success heavily relies on a company\\\'s ability to manage risks and maintain sufficient capital. In this report, the author utilized Q1 2023 interim financial statement data from PT Asuransi Bumida to illustrate the positive correlation between the use of effective financial statement analysis and an increase in RBC value.Data collection was conducted from February 2, 2023, to May 2, 2023. PT Asuransi Bumida employed a quick underwritter summary to assess the eligibility of prospective customers, evaluating both non-financial and financial data. The minimum threshold for the final score on the quick underwriter summary is set at 7.6 or higher. The subsequent process involves analyzing the prospective customer\\\'s request and ensuring the conformity of contract documents or other supporting data. Once the prospective customer is deemed eligible, the surety bond can be issued in accordance with the company\\\'s regulations.Research findings indicate that the surety bond business contributes 7.64% to the company\\\'s total premium revenue. By implementing effective financial statement analysis, the company can better identify risks, evaluate the quality of surety bonds, and manage financial risks effectively. This is reflected in positive underwriting results, with a total premium of 117 billion and underwriting expenses of 25 billion, resulting in a 223% increase in RBC value, surpassing the OJK\\\'s minimum requirement of 120%.