ANALISA NET PROFIT MARGIN, RETURN ON ASSETS, DAN RETURN ON EQUITY PADA PT BANK PEMBANGUNAN DAERAH RIAU KEPRI TAHUN 2017-2019

Abstract

This study aims to test and analyze the Net Profit Margin (NPM), Return On Assets (ROA), and Return On Equity (ROE) conducted on the financial statements of PT. Riau Islands Regional Development Bank 2017-2019. NPM is an analytical method to see bank performance in generating net profit by utilizing sales. ROA is an analytical method to see the bank's performance in generating profits by utilizing its assets. ROE is a method of analyzing bank performance in generating profits by utilizing their own capital. The results of the study contain the value of the analysis using the three methods above, as well as comparing with bank soundness standards according to experts and Bank Indonesia. From the research results, conclusions have been drawn about the impacts that occur if the values of the three methods above increase or decrease