This study aims to identify and analyze the financial performance of bank in terms of liquidity risk, profitability, and capital at PT Bank Tabungan Negara (Persero) Tbk in 2017-2021.
The research method used in this research is the analytical method, namely financial performance analysis and development analysis. Financial performance analysis based on The Financial Services Authority Circular Letter No. 14/SEOJK.03/2017, namely liquidity risk, which was calculated using the Loan to Deposit Ratio (LDR), the profitability ratio consists of Return on Assets (ROA), Net Interest Margin (NIM), Operating Expenses to Operational Income (BOPO), and the capital ratio was calculated using the Capital Adequacy Ratio (CAR), while the development analysis uses the chain index. The data collection method uses the documentation method, and the types of data used are quantitative and qualitative data, as well as secondary data obtained from the published financial report of PT Bank Tabungan Negara (Persero) Tbk Period of 2017-2021.
The results of this study indicate that liquidity risk (LDR) was included in category 4 (Moderate to High) from 2017 to 2019, and it was included category 2 (Low to Moderate). ROA was included in category 1 (very adequate) in 2017, category 2 (adequate) in 2018, it was included in category 4 (inadequate) in 2019, and included in category 3 (quite adequate) in 2020-2021. NIM was included in category 1 (very adequate) in 2017-2021. BOPO was included in category 1 (very adequate) for five periods, but it was included category 5 (inadequate) in 2019. CAR was included in category 1 (very adequate) for five periods.