Boby Firdaus, . (2026) ANALISIS RASIO RENTABILITAS PADA PT BANK TABUNGAN NEGARA, TBK. PERIODE 2021-2025. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Rentability ratios are ratios used to evaluate a business's ability to generate profits through efficient and successful management of capital, assets, and operational activities. The objective of this final project is to analyse the profitability of PT Bank Tabungan Negara (Persero) Tbk for the years 2021–2025 using the ratios of Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Net Profit Margin (NPM), and Operating Expenses to Operating Income (BOPO). The information used is derived from the financial statements and annual reports of PT Bank Tabungan Negara (Persero) Tbk. The analysis findings indicate that BTN's rentability levels varied during the research period. After increasing in 2021–2023, ROA and ROE declined in 2024 due to higher funding costs, higher interest expenses, and a decrease in net interest margin. However, they improved once again in 2025. Due to the rising funding costs, the NIM ratio declined in 2023–2024 before rising again in 2025. Meanwhile, the BOPO increased in 2024–2025, indicating a decrease in operational efficiency, while the NPM showed a downward trend. Although still facing difficulties in sustainably increasing productivity and profitability, BTN generally manages to maintain a respectable level of profitability.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101042] [Pembimbing: Anggi Angga Resti] [Penguji 1: Wahyudi] [Penguji 2: Elia Erna Nurdiani] |
| Uncontrolled Keywords: | Rentability; Return On Asset; Return On Equity; Net Interest Margin; Net Profit Margin; BOPO; BTN Bank |
| Subjects: | H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | BOBY FIRDAUS |
| Date Deposited: | 27 Aug 2026 02:53 |
| Last Modified: | 27 Aug 2026 02:53 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50781 |
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