Analisis Rasio Profitabilitas Pada PT. Bank Negara Indonesia (Persero) Tbk

This study aims to find out how the development of BNI Bank's financial development, with an analysis of financial data from a bank interested in which data is listed in the financial statements. Researchers are interested in discussing the ratio of profitability of analysts at Tbk Bank Negara Indonesia (Persero). This type of research is quantitative research, data comes from PT. Bank Negara Indonesia (Persero) Tbk. The rest are additional data such as documents and others. To complete research data, two data sources are needed, namely primary data sources and secondary data sources. The analysis method used is quantitative and qualitative methods. The quantitative method is the process of calculating the level of liquidity in the State Bank of Indonesia. While the qualitative method explains the data that the writer is careful during the research process. The results of the study found that PT. Bank Negara Indonesia (Persero) Tbk, during the 2020 period to the 2022 period was shown as follows, the BNI 2020 to 2022 Bank ROA ratio was still fluctuating. The BNI Bank's ROE ratio in 2020 to 2021 value of 2.16% of banks experienced an increase in profit with a fairly low percentage, which means that it is not effective and efficient in using capital. The BOPO Bank BNI ratio in 2020 to 2021 has experienced an unfavorable and efficient increase in banking on operating costs. The smaller Bopo Bank, banks are increasingly efficient in managing operational costs. The BNI NPM Bank ratio in 2020 to 2022 has always increased with the ability of banks to obtain net profit at a more effective sales level.