ANALISIS KINERJA KEUANGAN PERBANKAN YANG TERDAFTAR DALAM BURSA EFEK INDONESIA TAHUN 2019-2022 (RASIO ASSET QUALITY, PROFABILITY DAN LIQUIDITY)

Abstract

The performance of a bank can be seen from its ability to generate profitability, which is reflected in ROA, one of which is very important to see the health of a bank. In 2019, the Covid 19 pandemic occurred in Indonesia, which had a crucial impact, one of which was the economy in the banking sector, this was due to restrictions on activities by the government, the aim of this research was to determine the ability of banks to generate profitability as reflected in ROA during 2019 – 2022 by using several indicators in financial ratios. In this study using a quantitative approach using secondary data taken from the Indonesian Stock Exchange. The sample for this research is 6 banking companies that have been listed on the Indonesia Stock Exchange from 2019 to 2022. The ratios used in this study are Return On Assets, Non Performing Loans, Net Interset Margin, Loans Deposit Ratio. Based on the results of the Panel Least Squares test partially Non Performing Loans, Net Interset Margin, Loans Deposit Ratio have no effect on Return On Assets. While simultaneously all the independent variables have an influence on Return On Assets.