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Analisis Perbandingan Kinerja Keuangan pada PT. Bank Mandiri Tbk. dan PT. BNI Tbk. Periode 2015-2019 (CD + Cetak)
Banking is a financial institution that has a role in the financial system in Indonesia. The existence of the banking sector has an important role, where in people's lives most of them involve services from the banking sector. This is because the banking sector is an institution that has the main function of being a financial intermediary between parties who have funds (surplus funds) and parties who need funds (deficit funds) and as an institution that functions to smoothen traffic flow. payment. This research was conducted at conventional commercial banks listed on the Indonesia Stock Exchange. Problems that will be discussed by researchers include: how to analyze the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL, measurement of capital invested in companies (ROE) and on Profitability (ROA) in conventional banks listed on the Indonesia Stock Exchange for the period 2015) -2019. Measurement of the ratio above the researchers used SPSS. The results of this study indicate that CAR does not have a significant effect on ROA, NPL has a negative and significant effect on ROA, LDR has no significant effect on ROA and NIM has a negative and significant effect on ROA.
Keywords: ROA, ROE, CAR, NPL and NIM
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