Junia Zahra Raeni, . (2026) ANALISIS RASIO PROFITABILITAS DALAM MENILAI KINERJA KEUANGAN PADA PT BANK GANESHA TBK PERIODE 2021–2025. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
The increasingly competitive banking industry requires every bank to maintain its financial performance. PT Bank Ganesha Tbk has continuously pursued digital transformation and financing expansion, resulting in significant net profit growth from Rp10.87 billion in 2021 to Rp227.10 billion in 2025. This thesis aims to analyze the profitability of PT Bank Ganesha Tbk for the 2021–2025 period using the Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM), and Operating Expenses to Operating Income (BOPO) ratios, assessed against the standards set by POJK No. 4/POJK.03/2016. The method applied is quantitative descriptive analysis using data sourced from the company's official annual reports. The results indicate that ROA improved from 0.13% to 2.00%, moving from the Poor category as it fell below the minimum threshold of 0.5% to Very Good as it exceeded the 1.5% benchmark. ROE increased from 0.51% to 6.16%, from Poor as it was below 5% to Fair as it fell within the 5%–12.5% range. NIM remained in the Very Good category throughout the entire period as it consistently exceeded the minimum threshold of 3%, recorded at 3.32% in 2021 and 4.14% in 2025. BOPO declined from 94.81% to 63.25%, from Good as it was within the 94%–95% range to Very Good as it fell below the maximum threshold of 94%. It is concluded that PT Bank Ganesha Tbk successfully and consistently improved its profitability and operational efficiency throughout the 2021–2025 period. These findings are expected to serve as an evaluative reference for management in enhancing the company's financial performance.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil: 2310101017] [Pembimbing: Agus Kusmana] [Ketua: Subur] [Penguji 1: Yoko Tristiarto] |
| Uncontrolled Keywords: | Bank Ganesha, Profitability, ROA, ROE, NIM, BOPO |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | JUNIA ZAHRA RAENI |
| Date Deposited: | 26 Aug 2026 04:19 |
| Last Modified: | 26 Aug 2026 04:19 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50721 |
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