TA DIGITAL
The Analysis of Bank Financial Performance Using Profitability Ratio at PT Bank Nationalnobu Tbk Period: 2018-2022 = The Analysis of Bank Financial Performance Using Profitability Ratio at PT Bank Nationalnobu Tbk Period: 2018-2022
This study aims at determining the assessment and development in terms of profitability factors at PT Bank Nationalnobu Tbk for the period of 2018-2022. The type of research used is descriptive research with quantitative data approach. The data used in this study is secondary data obtained from the Financial Statements of PT Bank Nationalnobu Tbk for the period of 2018-2022. The analysis technique uses profitability ratio in accordance with the Financial Services Authority Circular Letter Number 14/SEOJK.03/2017. The results of the assessment of the profitability factor at PT Bank Nationalnobu Tbk for the period of 2018-2022 show that Return On Assets (ROA) gets rating of 3, this show the predicate of the bank is Fair; Net Interest Margin (NIM), Net interest income divided by average total assets, Overhead load divided by average total assets, Backup load divided by the average total assets gets rating of 1, this show the predicate of the bank is Excellent; Operating income other than interest income (net) divided by average total assets gets rating of 5, this show the predicate of the bank is Poor; Component Non-Core Earnings net divided by average total assets and Core ROA gets rating of 4, this show the predicate of the bank is Bad.
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