KAYANI, INDAH (2023) ANALISIS KINERJA KEUANGAN BANK(Studi Kasus pada Bank Modal Inti III dan IV yang Terdaftar di Bursa Efek Indonesia Tahun 2016-2021). S2 thesis, Universitas Mercu Buana Jakarta.
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Abstract
Banks are financial institutions that play an important role in the global economy. Analysis of bank financial statements is carried out with the aim of knowing the performance of a bank. In addition, an assessment of a bank's financial performance can be used to determine whether a bank's profitability from time to time is effective and efficient in generating profits. In general, this research aims to analyze the effect of BOPO, CAR, NPL, LDR, Digitalization, and Bank Size on Bank Financial Performance proxied by ROA. The population in this study are conventional banks registered with the Financial Services Authority totaling 107 banks. The sampling technique used purposive sampling with a total sample of 10 banks that met the criteria. The approach used is panel data regression with a random effect model as the best model. Data analysis software uses E-Views 12. The results of this study found that operating expenses and operating income and the capital adequacy ratio have a negative effect on financial performance. Loan to deposit ratio, digitization, and bank size each have a positive effect on financial performance. Non-performing loans have no effect on bank performance. Keywords: BOPO, CAR, NPL, LDR, Digitalization Bank merupakan lembaga keuangan yang berperan penting dalam perekonomian global. Analisa laporan keuangan bank dilakukan dengan tujuan untuk mengetahui kinerja suatu bank. Selain itu, penilaian kinerja keuangan bank dapat digunakan untuk menentukan apakah profitabilitas bank dari waktu ke waktu efektif dan efisien dalam menghasilkan laba. Penelitian ini bertujuan untuk menganalisis pengaruh BOPO, CAR, NPL, LDR, Digitalisasi, dan Bank Size terhadap Kinerja Keuangan Bank yang diproksikan dengan ROA. Populasi pada penelitian ini adalah bank konvensional yang terdaftar di Otoritas Jasa Keuangan berjumlah 107 bank. Teknik pengambilan sampel menggunakan purposive sampling dengan total sampel sebanyak 10 bank yang memenuhi kriteria. Pendekatan yang digunakan ialah regresi data panel dengan random effect model sebagai model terbaik. Software analisis data menggunakan E-Views 12. Hasil penelitian ini menemukan bahwa beban operasional dan pendapatan operasional serta Capital adequacy ratio berpengaruh negatif terhadap kinerja keuangan. Loan to deposit ratio, digitalisasi, dan bank size masing-masing memiliki pengaruh positif terhadap kinerja keuangan. Nonperforming loan tidak berpengaruh terhadap kinerja bank. Kata Kunci: BOPO, CAR, NPL, LDR, Digitalisasi.
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