ANALISIS RASIO PROFITABILITAS PT BANK NEGARA INDONESIA LIFE INSURANCE PERIODE 2019 - 2023

Muhamad Rizky Fauzi, . (2025) ANALISIS RASIO PROFITABILITAS PT BANK NEGARA INDONESIA LIFE INSURANCE PERIODE 2019 - 2023. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

This study aims to analyze the financial performance of PT BNI Life Insurance during the period 2019–2023, focusing on profitability ratios, namely Expense Ratio, Net Profit Margin (NPM), Return on Assets (ROA), and Return on Equity (ROE). The study also analyzes the development of net income, assets, and equity of the company. The research method used is descriptive quantitative with secondary data obtained from the company's annual financial statements. The analysis results show that PT BNI Life Insurance's net income experienced fluctuations with a significant increase in 2023. The company's assets and equity also showed stable growth over the five-year period. In terms of profitability ratios, the Expense Ratio tended to be in the less efficient to inefficient category but showed improvement at the end of the period. Meanwhile, NPM, ROA, and ROE ratios increased, reflecting improvements in operational effectiveness and the company's ability to generate profits. Overall, PT BNI Life Insurance's financial performance is in a fairly healthy condition and shows a positive trend for the future. This study is expected to serve as a reference for management in strategic decision-making and for stakeholders in assessing the company's financial health.

Item Type: Thesis (Tugas Akhir)
Additional Information: [No.Panggil: 2210101055] [Pembimbing: Ranila Suciati] [Penguji 1: Mira Rahmi] [Ketua: Siti Hidayati]
Uncontrolled Keywords: Profitability Ratio, Expense Ratio, Net Profit Margin, Return on Assets, Return on Equity.
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HC Economic History and Conditions
H Social Sciences > HD Industries. Land use. Labor
H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
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: MUHAMAD RIZKY FAUZI
Date Deposited: 20 Aug 2025 06:27
Last Modified: 20 Aug 2025 06:27
URI: http://repository.upnvj.ac.id/id/eprint/39755

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