ANALISIS RASIO PROFITABILITAS PADA PT. BANK NEGARA INDONESIA PERIODE 2020-2024

LOGA, TRI GADIS MARYA (2025) ANALISIS RASIO PROFITABILITAS PADA PT. BANK NEGARA INDONESIA PERIODE 2020-2024. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.

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Abstract

This study aims to analyze the profitability ratio performance of PT Bank Negara Indonesia (BNI) during the period from 2020 to 2024. The main focus is to examine the trends and factors influencing key financial ratios, namely Return on Assets (ROA), Return on Equity (ROE), and Operating Expenses to Operating Income (BOPO). The research employs a quantitative analysis method using the bank’s annual financial reports over the past five years. The results show that ROA increased from 0.37% in 2020 to 1.91% in 2024, indicating improved efficiency and recovery following the COVID-19 pandemic. ROE also showed a positive trend, rising from 2.94% in 2020 to a peak of 13.64% in 2023. Meanwhile, BOPO significantly decreased from 89.94% in 2020 to 58.75% in 2024, reflecting improved operational efficiency. The fluctuations in ROA, ROE, and BOPO during the 2020–2024 period were influenced by the pandemic, economic recovery, digital transformation, and monetary policy.

Item Type:

Thesis (D3)

Contributors:

Contribution	Contributors	NIP/NIM
Thesis advisor	UTAMI, FIESTY	199002162019032012
Thesis advisor	HARDIYANTI, SITI EPA	198612122023212062

Additional Information:

Penelitian ini bertujuan untuk menganalisis kinerja rasio profitabilitas PT Bank Negara Indonesia (BNI) selama periode 2020 hingga 2024. Fokus utama penelitian adalah mengkaji tren dan faktor yang mempengaruhi rasio keuangan utama, yaitu Return on Assets (ROA), Return on Equity (ROE), dan Beban Operasional terhadap Pendapatan Operasional (BOPO). Metode analisis yang digunakan meliputi analisis kuantitatif dengan data laporan keuangan tahunan bank selama lima tahun terakhir. Hasil penelitian menunjukkan bahwa selama periode tersebut, ROA mengalami peningkatan dari 0,37% di tahun 2020 menjadi 1,91% di tahun 2024, menandakan efisiensi dan pemulihan bank pasca pandemi COVID-19. ROE juga menunjukkan tren positif, meningkat dari 2,94% di 2020 menjadi puncaknya di 13,64% pada 2023. Sementara itu, BOPO menurun secara signifikan dari 89,94% di 2020 menjadi 58,75% di 2024, mencerminkan peningkatan efisiensi operasional bank. Fluktuasi rasio ROA, ROE, dan BOPO pada BNI selama 2020–2024 dipengaruhi oleh pandemi, pemulihan ekonomi, digitalisasi, dan kebijakan moneter.

Uncontrolled Keywords:

Profitability ratio performance; Return on Assets (ROA); Return on Equity (ROE); Operating Expenses to Operating Income (BOPO) Kinerja rasio profitabilitas; Return On Aset (ROA); Return On Equity (ROE); dan Beban Operasional terhadap Pendapatan Operasional (BOPO).

Subjects:

H Social Sciences > HG Finance

Divisions:

05-Fakultas Ekonomi dan Bisnis
05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan

Depositing User:

Mrs TRI GADIS MARYA LOGA

Date Deposited:

26 Aug 2025 07:17

Last Modified:

26 Aug 2025 07:17

URI:

http://eprints.untirta.ac.id/id/eprint/52771

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