Last modified: 2024-07-05
Abstract
The aim of this research is to measure the financial health of Bank Nagari West Sumatra using the LDR and ROA ratios. This research uses a quantitative data analysis method, namely analyzing calculations obtained from the financial reports of PT Bank Nagari West Sumatra for 2019-2021. Based on the results of the analysis that has been carried out, it can be seen that the Loan To Deposit Ratio (LDR) of Bank Nagari West Sumatra in 2019 was 97,19%, in 2020 it was 95,70% and in 2021 it was 91.19%. This means that LDR PT. Bank Nagari West Sumatra for the last three years has unwell. Where the Loan To Deposit Ratio (LDR) based on Bank Indonesia's standard criteria of >120% is declared unhealthy. Return On Assets (ROA) at Bank Nagari West Sumatra in 2019 was 2.06%, in 2020 it was 1,76% and in 2021 it was 1,82%. This means that ROA PT. Bank Nagari West Sumatra for the last three years has been healthy. Where Return On Assets (ROA) based on Bank Indonesia standard criteria <5% are declared healthy.
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