Saskia Nazwa Faujiah, . (2026) TINJAUAN KOMPARATIF KINERJA PROFITABILITAS PADA PT BANK MEGA TBK DAN PT ALLO BANK INDONESIA TBK PERIODE 2022-2024. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
![[img]](http://repository.upnvj.ac.id/style/images/fileicons/text.png) |
Text
ABSTRAK.pdf Download (270kB) |
|
Text
AWAL.pdf Download (1MB) |
|
Text
BAB 1.pdf Restricted to Repository UPNVJ Only Download (517kB) |
|
Text
BAB 2.pdf Restricted to Repository UPNVJ Only Download (450kB) |
|
Text
BAB 3.pdf Restricted to Repository UPNVJ Only Download (431kB) |
|
Text
BAB 4.pdf Restricted to Repository UPNVJ Only Download (386kB) |
|
Text
BAB 5.pdf Download (282kB) |
|
Text
DAFTAR PUSTAKA.pdf Download (278kB) |
|
Text
RIWAYAT HIDUP.pdf Restricted to Repository staff only Download (282kB) |
|
Text
LAMPIRAN.pdf Restricted to Repository UPNVJ Only Download (2MB) |
|
Text
HASIL PLAGIARISME.pdf Restricted to Repository staff only Download (9MB) |
Abstract
This study compares the profitability performance of PT Bank Mega Tbk (a conventional bank) and PT Allo Bank Indonesia Tbk (a digital bank) for the 2022–2024 period, two banks operating under the same CT Corp ecosystem but with different business models. The analysis employs four profitability ratios: Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Operating Expenses to Operating Income (BOPO). This research uses a quantitative descriptive method with a comparative approach, based on secondary data from both banks' annual financial reports, evaluated according to the bank soundness assessment standards set by the Financial Services Authority (OJK). The results show that Allo Bank consistently outperformed in ROA and NIM, reflecting more efficient asset management and a stronger net interest margin driven by its digital business model. Conversely, Bank Mega outperformed in ROE, indicating a greater ability to generate profit from shareholders' equity. In terms of BOPO, both banks experienced rising operating ke costs, but Bank Mega's increase was sharper, resulting in a more significant decline in operational efficiency compared to Allo Bank. Overall, both banks remained classified as healthy under OJK criteria, yet exhibited distinct profitability characteristics consistent with their respective business models.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No. Panggil: 2310101036] [Pembimbing: Ratna Arista Dewi] [Penguji 1: Agus Kusmana] [Penguji 2: Hani Novanti] |
| Uncontrolled Keywords: | BOPO, Conventional, Digital Bank, NIM, ROA, ROE |
| Subjects: | H Social Sciences > HB Economic Theory 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: | SASKIA NAZWA FAUJIAH |
| Date Deposited: | 26 Aug 2026 07:56 |
| Last Modified: | 26 Aug 2026 07:56 |
| URI: | http://repository.upnvj.ac.id/id/eprint/52298 |
Actions (login required)
 |
View Item |