Last modified: 2025-08-08
Abstract
The purpose of the study was to determine the profitability ratio at PT. Central Bank of the Country. This study uses a quantitative method. The type of data used is secondary data obtained from financial reports published by PT. Bank of Nagari Pusat Padang for the period 2021-2023. The results of this study indicate that the ROA ratio of PT. Bank Nagari Pusat Padang from 2021 to 2023 has increased, which means that the bank can utilize its assets to obtain profits effectively and efficiently. The ROE ratio of PT. Bank Nagari Pusat Padang from 2021 to 2023 has increased, which means that the bank has shown improvements in optimizing its own capital in generating profits. The NPM ratio of PT. Bank Nagari Pusat Padang from 2021 to 2023 has increased, but is still in the poor category according to BI standards. The BOPO ratio of PT. Bank Nagari Pusat Padang from 2021 to 2023 is said to be very good. The smaller the BOPO percentage, the more efficient the bank is in managing its operational costs.
Keywords
References
Afriyeni, and Fernos Jhon. Analysis of Factors Determining the Profitability Performance of Conventional People's Credit Banks (BPR) in West Sumatra. Journal of Benefita 3(3), vol. 3, no. September, 2018, pp. 325–35, doi:10.22216/jbe.v3i3.3623 Kopertis.
Ayu Andrianie, Lince Afriyenny, & Dian Ananda Febiola. (2023). Analysis of Financial Statements to Measure the Financial Performance of PT. Ace Hardware Indonesia Tbk. Period 2019-2021. GEMIN: Journal of Management and Accounting, 3(4), 379–408. https://doi.org/10.56910/gemilang.v3i4.1017
Asiva Noor Rachmayani. (2015). Bank of Ghana Financial Report 2021-2022. 6.
Ayu Andrianie, Lince Afriyenny, & Dian Ananda Febiola. (2023). Analysis of Financial Statements to Measure the Financial Performance of PT. Ace Hardware Indonesia Tbk. Period 2019-2021. GEMINING: Journal of Management and Accounting, 3(4), 379–408. https://doi.org/10.56910/gemilang.v3i4.1017
Abaharis, H., Julian, R. D., & Susanto, R. (2025). Pengaruh Display Product, Store Location Dan Hargaterhadap Keputusan Pembelian Pada Reni Mart Di Painan. YUME: Journal of Management, 8(1.1), 164-178.
Anwar, S., Marlius, D., & Hidayat, H. (2024). Keputusan Pembelian Paket Kartu Data Telkomsel Dilihat dari Bauran Promosi. Jurnal Ekobistek, 13(4), 264–271.
Anwar, S., Marlius, D., & Yani, S. P. (2025). Kepuasan Konsumen dilihat dari Kualitas Pelayanan, Promosi dan Kepercayaan. Economics and Digital Business Review, 7(1), 291–306.
Andayani, N. P. A. S. D., & Susanti, F. (2024). ANALISIS PENGARUH PROMOSI DAN HARGA TERHADAP KEPUTUSAN PEMBELIAN PRODUK KECANTIKAN DI SUBUR FASHION CENTER. Jurnal Akademik Ekonomi Dan Manajemen, 1(4), 291-300.
Ariyanti, C. D., & Fernos, J. (2025). Pengaruh Disiplin Kerja dan Kepuasan Kerja Terhadap Kinerja Pegawai Negeri Sipil pada Biro Umum Sekretariat Daerah Provinsi Sumatera Barat. Jurnal Pendidikan Kritis dan Kolaboratif, 1(2), 503-507.
Badri, J., Susanti, F., Abaharis, H., Marlius, D., & Magdalena, M. (2025). Manajemen Pemasaran. PT. Insan Cendekia Mandiri Group.
Badri, J., Putra, Y. D., & Susanto, R. (2025). Pengaruh Kualitas Pelayanan Dan Kepuasan Nasabah Terhadap Loyalitas Nasabah Bank Nagari Cabang Tapan Di Pesisir Selatan. YUME: Journal of Management, 8(1), 1165-1175.
Candra, C., Fernos, J., & Rahmatullah, R. (2024). Remote Work Revolution: Examining the Impact of Hybrid Work Models on Employee Engagement and Productivity. YUME: Journal of Management, 7(3), 1665-1675.
Dona, E. (2025). Pengaruh Pajak Hotel dan Pajak Restoran terhadap Pendapatan Asli Daerah: Studi Kasus di Provinsi Sumatera Barat. Jurnal Pundi, 9(1), 75-88.
Dona, E., & Kalstum, R. H. (2025). How Live Streaming, Product Quality, and Content Marketing Drive Purchase Intentions in the Thrift Fashion Sector?. Economics and Digital Business Review, 6(2), 1417-1428.
Dona, E., & Minda, M. N. (2025). Pengaruh Worklife Balance, Reward dan Disiplin Kerja terhadap Kinerja Pegawai pada Balai Diklat Keagamaan Padang. GEMILANG: Jurnal Manajemen dan Akuntansi, 5(3), 715-732.
Dona, E. (2024). Investasi Infrastruktur Sumatera Barat dari Kontribusi Pendapatan Asli Daerah dan Dana Bagi Hasil. JURNAL PUNDI, 8(2), 173-182.
Elidawati. (2024). Annual Financial Report of Bank Nagari. https://www.banknagari.co.id/laporan?page=%2FYRly2%2BM0171gUJqgIHZqA%3D%3D
Fernos, J. (2017). ANALYSIS OF PROFITABILITY RATIO TO MEASURE PERFORMANCE (Case Study on PT. West Sumatra Provincial Regional Development Bank). Journal of Pundi, 1(2), 107–118. https://doi.org/10.31575/jp.v1i2.25
Fernos, J., & Yolanda, E. Z. (2025). Pengaruh Reward dan Punishment terhadap Kinerja Karyawan pada PT Bank Nagari Cabang Utama Sumatera Barat. GEMILANG: Jurnal Manajemen dan Akuntansi, 5(3), 470-487.
Fitriani, K. L., & Susanti, F. (2025). DAMPAK KENAIKAN TARIF PPN TERHADAP TINGKAT KEMISKINAN DI INDONESIA. Jurnal Rumpun Manajemen dan Ekonomi, 2(1), 20-31.
Herlin, M., & Susanti, F. (2024). PENGARUH PERSEPSI KONSUMEN DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN PADA MOBIL MITSUBISHI DI PT. DIPO SUMBAR. Jurnal Bina Bangsa Ekonomika, 17(2), 1398-1412.
Hendarti, R., Susanto, R., & Gustina, L. (2024). Evaluating the Effectiveness of Employee Development Programs: Measuring Impact on Retention and Job Satisfaction. YUME: Journal of Management, 7(3), 1635-1643.
Igamawarti, D., & Susanti, F. (2024). Ekuitas Merk Dan Keterlibatan Pelanggan Terhadap Minat Beli Di E-Commerce Tiktok Shop: Studi Kasus Pada Konsumen Celana Jeans Wanita Ditoko Jiniso. JURNAL MANAJEMEN DAN BISNIS EKONOMI, 2(1), 372-384.
Laroza, L., Martha, L., Susanti, F., Mayliza, R., & Sumiati, S. (2025). Dampak Stres Kerja dan Beban Kerja pada Turnover Intention di Bank Nagari Sumatera Barat. GEMILANG: Jurnal Manajemen dan Akuntansi, 5(3), 507-523.
Lase, L. P. D., Telaumbanua, A., & Harefa, A. R. (2022). Analysis of financial performance with profitability ratio approach. Journal of Accounting, Management, and Economics (JAMANE), 1(2), 254–260.
Magdalena, M., Fernos, J., & Radiska, S. (2025). Digital Marketing Dan Gaya Hidup Pada Keputusan Pembelian Kosmetik Ms Glow Di Kota Padang. YUME: Journal of Management, 8(1.1), 221-234.
Marlius, D., & Putri, S. (2025). Keputusan Pembelian Berdasarkan Kualitas Produk, Harga dan Promosi. Jurnal Pundi, 9(1), 27-38.
Marlius, D., & Salamanang, W. (2025). Pengaruh Kompetensi Teknis, Kemampuan Interpersonal Dan Motivasi Kerja Terhadap Kinerja Pegawai Di Dinas Perindustrian Dan Perdagangan Provinsi Sumatera Barat. Economics and Digital Business Review, 6(2), 1363-1369.
Marlius, D. (2025). Dampak Influencer Marketing, Price Discount Dan Bonus Pack Terhadap Minat Beli Konsumen Pada Produk Fashion Shopee. Economics and Digital Business Review, 6(2), 1270-1279.
Marlius, D., & Sagita, V. (2025). Pengaruh Servant Leadership Dan Integritas Terhadap Kinerja Karyawan Pada PDAM Kota Padang. Economics and Digital Business Review, 6(2), 177-183.
Marlius, D., & Wulandari, V. (2025). Pengaruh Kepercayaan, Kepuasan Pelanggan dan Citra Perusahaan terhadap Loyalitas Pelanggan pada MG Store Padang. ARZUSIN, 5(2), 755-772.
Marlius, D. (2017). Purchase decisions are based on psychological factors and marketing mix at Pt. Intercom Mobilindo Padang. Journal of Pundi, 1(1), 165–182. https://doi.org/10.31575/jp.v1i1.9
Mendari, W. E., & Widayati, R. (2022). Efforts to Handle Non-Performing Loans at Bank Nagari Main Branch of Padang. Journal of Accounting and Management, 17(1), 1–12.
Novrial, N., & Susanti, F. (2025). Pengaruh Kompensasi Dan Disiplin Kerja Terhadap Kinerja Karyawan Outsourcing Pada Divisi Housekeeping Di PT. Graha Sarana Duta Telkom Property Indonesia, Sumatera Barat. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(2), 2786-2795.
Nurfaliza, N., & Susanti, F. (2024). Customer Value Terhadap Customer Satisfaction Di Rumah Makan Ampalu Raya Ulak Karang Padang. Economics and Digital Business Review, 5(1), 269-280.
Pipit Muliyah, D. A. (2020). Analysis of Financial Statements to Assess the Financial Performance of PT Rembang Bangun Persada. Journal of GEEJ, 7(2).
Prabowo, R., & Sutanto, A. (2019). Analysis of the Influence of Capital Structure, and Liquidity on Profitability in Automotive Sector Companies in Indonesia. Journal of Ocean Economics and Business, 10(1), 1–11. https://doi.org/10.33059/jseb.v10i1.1120
Regen, R., Jamhari, J., Marlius, D., & Dona, E. (2025). The Effect Of Training, Workload And Place Of Duty On Employee Discipline. Jurnal Ekobistek, 14(1), 1-7.
Regen, R., Helia, S., Marlius, D., Dona, E., & Fernos, J. (2024). Pendidikan, Pelatihan (DIKLAT) dan Pengembangan Pegawai untuk Meningkatkan Kinerja Pegawai. Majalah Ilmiah UPI YPTK, 49-55.
Sari, P. A., & Hidayat, I. (2022). Analysis of Financial Statements. Eureka Media Literary, 1(69), 5–24.
Susanti, F., & Nora, F. (2025). Kinerja Pegawai Berdasarkan Kompetensi Kerja, Motivasi Kerja, dan Komitmen Kerja. Jurnal Pundi, 9(1), 39-52.
Susanti, F. (2025). KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAPLOYALITAS KONSUMEN STUDI KASUS PADA PERUSAHAAN J&TCARGO CABANG. Jurnal Keuangan dan Manajemen Terapan, 6(2).
Susanti, F., & Gusman, A. (2025). Pengaruh Kualitas Pelayanan, Tarif Dan Fasilitas Terhadap Kepuasan Pelanggan Pengguna Bus Trans Padang Koridor 1. Economics and Digital Business Review, 6(2), 1072-1083.
Susanti, F., & Lestari, V. E. W. (2024). Etika Bisnis dan Kualitas Produk terhadap Loyalitas Nasabah Bank BPR Lengayang. AKSIOMA: Jurnal Sains Ekonomi dan Edukasi, 1(7), 304-317.
Susanto, R. (2020). PT. Bank Perkreditan Rakyat Raga Dana Sejahtera. 1–14.
Yati, H., Finance, A. A., Banking, D., Development, ", & Padang, ". (2019). Regional Development (Bpd) West Sumatra Main Branch of Padang. 1–13.