Najwa Rahmadania Nurfadlilah, . (2026) ANALISIS RASIO PROFITABILITAS PADA BANK SYARIAH NASIONAL (BSN) PERIODE 2021-2024. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Financial performance plays a vital role in assessing the health level of an Islamic bank. This study examines Bank Syariah Nasional (BSN) as a new entity resulting from banking transformation. This study aims to analyze the profitability of Bank Syariah Nasional during the 2021 to 2024 period. The author measures the financial performance using three main indicators, namely the Return on Asset (ROA) ratio, Net Profit Margin (NPM), and Operational Efficiency Ratio (BOPO). The author applies a quantitative descriptive approach and collects all secondary data through documentation techniques from BSN's official annual published financial reports. The author calculates these financial ratios and compares the results with applicable banking health standards. The analysis results prove that the bank successfully improved asset efficiency and financing quality, causing the ROA ratio to surge to a quite healthy category at the 1% level in 2024. The bank also successfully collected low-cost funds, driving the NPM ratio to grow and occupy the healthy category at 13% by the end of the period. Lastly, the bank's BOPO ratio experienced fluctuations, but management optimized other operational income to reduce primary expenses. This success made the BOPO ratio return to the healthy category at 85% in 2024.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101041] [Pembimbing: Agus Kusmana] [Penguji 1: Ade Nur Rohim] [Penguji 2: Hani Novanti] |
| Uncontrolled Keywords: | Profitability, Financial Performance, BOPO, NPM, ROA |
| Subjects: | H Social Sciences > HB Economic Theory 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: | NAJWA RAHMADANIA NURFADLILAH |
| Date Deposited: | 26 Aug 2026 08:06 |
| Last Modified: | 26 Aug 2026 08:07 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50764 |
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