Atika Nur'aini Winarti, . (2026) ANALISIS TINGKAT EFISIENSI OPERASIONAL PT BANK RAKYAT INDONESIA (PERSERO) TBK MELALUI RASIO BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO) TAHUN 2019–2025. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
![[img]](http://repository.upnvj.ac.id/style/images/fileicons/text.png) |
Text
ABTRSAK.pdf Download (205kB) |
|
Text
AWAL.pdf Download (784kB) |
|
Text
BAB 1.pdf Restricted to Repository UPNVJ Only Download (355kB) |
|
Text
BAB 2.pdf Restricted to Repository UPNVJ Only Download (333kB) |
|
Text
BAB 3.pdf Restricted to Repository UPNVJ Only Download (267kB) |
|
Text
BAB 4.pdf Restricted to Repository UPNVJ Only Download (403kB) |
|
Text
BAB 5.pdf Download (223kB) |
|
Text
DAFTAR PUSTAKA.pdf Download (342kB) |
|
Text
RIWAYAT HIDUP.pdf Restricted to Repository staff only Download (110kB) |
|
Text
LAMPIRAN.pdf Restricted to Repository UPNVJ Only Download (1MB) |
|
Text
HASIL PLAGIARISME.pdf Restricted to Repository staff only Download (11MB) |
Abstract
One of the important indicators for assessing banking performance is operational efficiency, which indicates the bank's ability to offset operating costs with operating income. The purpose of this scientific paper is to evaluate the level of operational efficiency of PT Bank Rakyat Indonesia (Persero) Tbk using the ratio of Operating Costs to Operating Income (BOPO) from 2019 to 2025. This scientific work is carried out through a quantitative descriptive approach with secondary data derived from the company's annual report. The results show that BRI's BOPO ratio varied by 70.10% in 2019, 81.22% in 2020, 74.30% in 2021, 64.20% in 2022, 64.35% in 2023, 67.64% in 2024, and 71.50% in 2025. Changes in operating costs, particularly impairment expense allowance (CKPN), interest expense and operating income growth supported by interest income and digital services, affected these fluctuations. According to the Financial Services Authority Regulation Number 4/POJK.03/2016, BRI's BOPO score as a whole is in the very good category because it is below 94%. BRI's BOPO value is also lower than that of PT Bank Negara Indonesia (Persero) Tbk and PT Bank Tabungan Negara (Persero) Tbk, but higher than that of PT Bank Mandiri (Persero) Tbk.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101020] [Pembimbing: Jenji Gunaedi Argo] [Penguji 1: Ardhiani Fadila] [Penguji 2: Anggi Angga Resti] |
| Uncontrolled Keywords: | Bank Rakyat Indonesia, BOPO, Operational efficiency |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management 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: | ATIKA NUR'AINI WINARTI |
| Date Deposited: | 26 Aug 2026 04:26 |
| Last Modified: | 26 Aug 2026 04:26 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50771 |
Actions (login required)
 |
View Item |