Analysis of Factors That Affect the Financial Performance of Banks

Abstract

Stakeholders analyze financial reports to assess the financial performance of banks which are used for making decisions (investing). This study aims to analyze the factors that affect the financial performance appraisal of the national foreign exchange private commercial bank and to analyze the effect of car, npl, roa, nim, and bopo partially and simultaneously on the financial performance of the national foreign exchange national private commercial bank. The population in this study were all national foreign exchange commercial banks that have gone public and published their financial reports on their official website or that have reported their finances to bank indonesia in the banking directory. The analysis technique used is financial analysis techniques, descriptive analysis techniques and differential statistical analysis techniques. The factors that affect financial performance can be analyzed using the t test and the f test. The results show that npl has the most dominant influence on the financial performance of private banks.