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Analisis LDR dan NPL Pada PT. Bank Nagari Cabang Lubuk Gadang

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  • Saputri, Fauziah Dwi
  • Putra, Yosep Eka

Abstract

The purpose of this study is to measure the financial health of Bank Nagari Lubuk Gadang Branch by using the ratio of LDR and NPL. This study uses quantitative data analysis methods, namely analyzing calculations obtained from the financial statements of PT. Bank Nagari Lubuk Gadang Branch in 2019-2021. Based on the results of the analysis that has been carried out, it can be seen that the Loan To Deposit Ratio (LDR) of Bank Nagari Lubuk Gadang Branch in 2019 was 184%, in 2020 it was 187% and in 2021 it was 157%. This means that LDR PT. Bank Nagari Lubuk Gadang Branch for the last three years has been considered unhealthy. Where the Loan To Deposit Ratio (LDR) based on standard criteria of Bank Indonesia > 120% is declared unhealthy. And Non Performing Loans (NPL) at Bank Nagari Lubuk Gadang Branch in 2019 was 0.18%, in 2020 it was 0.28% and in 2021 it was 0.26%. This means that the NPL of PT. Bank Nagari Lubuk Gadang Branch for the last three years has been considered healthy. Where Non- Performing Loans (NPL) based on standard criteria of Bank Indonesia <5% are declared healthy.

Suggested Citation

  • Saputri, Fauziah Dwi & Putra, Yosep Eka, 2023. "Analisis LDR dan NPL Pada PT. Bank Nagari Cabang Lubuk Gadang," OSF Preprints c8hqy, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:c8hqy
    DOI: 10.31219/osf.io/c8hqy
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