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p-Index From 2021 - 2026
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All Journal JURNAL LENTERA BISNIS Journal Research of Social Science, Economics, and Management
Agus Sulistyono
Universitas Negeri Jakarta
Economics, Econometrics & Finance Environmental Science Social Sciences

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KINERJA KEUANGAN BANK MAYAPADA 2007-2025: ANALISIS DESKRIPTIF ATAS RASIO KEUANGAN PERBANKAN Agus Sulistyono; Muhammad Yusuf; Osly Usman; Muhammad Rafli; Rika Vebina Tarigan
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2345

Abstract

This study analyzes the financial performance of PT Bank Mayapada Internasional Tbk during 2007-2025 using a descriptive quantitative approach based on secondary data from annual reports. The indicators include total assets, loans, third-party funds, equity, net income, CAR, Gross NPL, ROA, ROE, NIM, BOPO, and LDR. The analysis applies financial ratios, trend analysis, annual growth, CAGR, and periodization. The findings show that Bank Mayapada recorded strong balance sheet expansion. Total assets increased from Rp4.47 trillion in 2007 to Rp163.83 trillion in 2025, with a CAGR of 22.14%. However, this growth was not followed by sustainable profitability. ROA declined from 1.46% to 0.03%, while BOPO rose to 99.59%. These results indicate pressure on earnings quality, operational efficiency, asset quality, and net interest margin recovery. The study implies that bank asset growth cannot be viewed as a sufficient performance measure without sound credit quality, cost efficiency, capital adequacy, and profitability. Managerially, the bank should strengthen risk-based lending, productive asset optimization, BOPO control, funding cost management, and credit analytics digitalization. For investors, this study highlights integrated assessment of profitability, credit risk, liquidity, efficiency, and capital. For future research, the findings support causal tests and comparative studies among banks with similar national capital groups.
Analysis of Profitability Ratios at PT Bank Mandiri (Persero) Tbk for The 2020–2025 Period Using A Quantitative Descriptive Approach Muhammad Rafli; Muhammad Yusuf; Osly Usman; Agus Sulistyono; Rika Vebina Tarigan
Journal Research of Social Science, Economics, and Management Vol. 5 No. 11 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i11.1517

Abstract

This study aimed to analyze the profitability ratio performance of PT Bank Mandiri (Persero) Tbk during the 2020–2025 period using a quantitative descriptive approach. The data used were secondary data obtained from the company’s annual financial statements and analyzed using key profitability ratios, including return on assets (ROA), return on equity (ROE), net profit margin (NPM), and operating expenses to operating income (BOPO). The analytical method involved presenting the data in tabular form and conducting trend analysis to describe the dynamics of the company’s financial performance. The results indicated that ROA and ROE experienced significant growth until 2023, followed by a decline in the 2024–2025 period. NPM showed highly volatile fluctuations, with a sharp increase up to 2023 and a substantial decline thereafter. Meanwhile, BOPO showed a downward trend, indicating improved operational efficiency, although a slight increase occurred at the end of the period. The study concluded that Bank Mandiri’s profitability performance was dynamic and influenced by both internal and external factors. This research contributed to the understanding of banking financial performance analysis based on profitability ratios in a longitudinal context.
Co-Authors Muhammad Rafli Muhammad Yusuf Osly Usman Rika Vebina Tarigan