Najwa Nuralfiah Lail Az Zahra, . (2026) ANALISIS RASIO PROFITABILITAS PT BANK BTPN SYARIAH TBK PERIODE 2020 – 2024. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
The purpose of this study is to analyze the profitability performance of PT Bank BTPN Syariah Tbk for the period 2020-2024. Three profitability ratios used in this analysis, namely Return on Assets (ROA), Return on Equity (ROE), and Net Operating Margin (NOM). Data in the form of official annual financial statements of PT Bank BTPN Syariah Tbk were collected using a descriptive approach based on secondary data. The results of the analysis explain that ROA throughout the period 2020-2024 consistently remained in the “very healthy,” category, although it declined in 2023 and 2024 due to an increase in operational expenses that eroded pre-tax profit. The same condition also occurred in NOM, which remained in the Very Healthy category throughout the observation period, although it declined starting in 2023 due to a decrease in net operating income. Meanwhile, ROE in 2023 and 2024 showed a significant change, declining into the Unhealthy category due to rising operational costs and the formation of allowance for impairment losses that were not balanced by equivalent profit growth relative to the bank's increasing equity. Overall, the profitability performance of PT Bank BTPN Syariah Tbk is still considered good, although various challenges faced by the ultramicro customer segment in the post-Covid-19 pandemic recovery period also contributed to the decline in profitability over the last two years.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101048] [Pembimbing: Agus Kusmana] [Penguji 1: Subur] [Penguji 2: Ratna Arista Dewi] |
| Uncontrolled Keywords: | Bank BTPN Syariah, Profitability, ROA,ROE, NOM |
| Subjects: | H Social Sciences > HG Finance H Social Sciences > HJ Public Finance L Education > L Education (General) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | NAJWA NURALFIAH LAIL AZ ZAHRA |
| Date Deposited: | 27 Aug 2026 03:05 |
| Last Modified: | 27 Aug 2026 03:05 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50732 |
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