Last modified: 2024-07-04
Abstract
This research aims to find out how financial development at PT. Bank Tabungan Negara (Persero) Tbk, with analysis of financial data from interested banks where the data is included in the financial reports. Researchers are interested in discussing analyst profitability ratios at Bank Tabungan Negara (Persero) Tbk. This type of research is quantitative research, data comes from the annual financial report of PT. Bank Tabungan Negara (Persero) Tbk. The rest is additional data such as documents and so on. To complete research data, two data sources are needed, namely primary data sources and secondary data sources. The analytical methods used are quantitative and qualitative methods. The research results found that PT. Bank Tabungan Negara (Persero) Tbk, during the period 2020 to 2022 is shown as follows, namely BTN 2020 to 2022 The Bank's ROA ratio continues to increase. Bank BTN's ROE ratio in 2020 to 2022 experienced an increase in profits by a fairly low percentage, which means it is not effective and efficient in using capital. BTN Bank's BOPO ratio from 2020 to 2022 is decreasing. The smaller the Bank's BOPO, the more efficient the bank is in managing operational costs. Bank BTN's NPM ratio from 2020 to 2022 will always increase in line with the banking ability to obtain net profits more effectively at sales levels.
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References
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