Analisis Kinerja Keuangan Melalui BOPO, LDR dan NIM Pada Bank Mandiri Tbk. Tahun 2019 – 2023

Abstract

This research aims to analyze the financial performance of Bank Mandiri Tbk in 2019-2023 with the ratio of operating
expenses to operating income (BOPO), loan to deposit ratio (LDR) and net interest margin (NIM). using secondary
data as research material, namely the annual report of PT Bank Mandiri Tbk. The results of the research are that the
average value of the Operating Expense Ratio, Operating Income (BOPO) is 64.79%, which is within the ideal limit
in company operations, for the Loan To Deposit Ratio (LDR) the average value is 84.78% in ideal conditions in
producing profit from granting credit and the Net Interest Margin (NIM) ratio has an average value of 5.01, where
this value has not reached the set standard, namely 6%.