Comparative Analysis Of Profitability Ratio At  PT. Bank Nagari Padang Main Branch 2020-2022

Yosep Eka Putra; Luthfi Izza Akmal

Open Conference Systems, 1st KBP COnference

Comparative Analysis Of Profitability Ratio At PT. Bank Nagari Padang Main Branch 2020-2022

Yosep Eka Putra, Luthfi Izza Akmal

Last modified: 2024-07-02

Abstract

The purpose of this research is to determine a comparative analysis of the rentabilitas ratios of PT. Bank Nagari Cabang Utama Padang uses Return On Assets (ROA), Return On Equity (ROE), Net Profit Margin (NPM) measuring instrument. The data analysis method uses quantitative data, namely data sourced from financial reports PT. Bank Nagari Cabang Utama Padang 2020-2022. Based on the results of the analysis carried out, it can be seen that, NPM at PT. Bank Nagari Cabang Utama Padang in 2020 was 23.94%, in 2021 it was 25.12%, and in 2022 it was 25.31% so that the results of this bank's NPM analysis were not able to achieve a good enough assessment in the eyes of Bank Indonesia. standard 66%-81% but banks are able to manage their operations efficiently to generate profits. For 2020, ROA is 1.29%, in 2021 it is 1.46%, and in 2022 it is 1.56, so the results of the ROA analysis are classified as good because the bank is efficient in obtaining net profit and is able to use the funds it has. assets efficiently. For 2020, ROE is 10.29%, in 2021 it is 11.96%, and in 2022 it is 12.79%, so the results of the ROE analysis are considered not good, but the bank is able to generate profits by utilizing the capital it has.

Keywords

Rentabilitas, Net Profit Margin, Return On Assets, and Return On Equity

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