THE EFFECT OF THIRD PARTY DEPOSIT AND INVESTMENT CREDIT ON COMPANY PROFIT AT BANK NEGARA INDONESIA ((PERSERO) TBk

Abstract

Abstract

This research conducted with the aim of knowing 1) The effect of third-party deposits on company profits at Bank Negara Indonesia (Persero) Tbk. 2) The effect of investment credit on company profits at PT Bank Negara Indonesia (Persero) Tbk. The analytical method used in this study is multiple linear regression analysis, namely to find out how the independent variables influence the dependent variables, which is then carried out by the t-test, f-test and the coefficient of determination to determine the significance level of the effect. The population of this study is the annual financial report of PT Bank Negara Indonesia (Persero) Tbk and the samples taken for 5 years, namely the 2016-2020 period. Based on the results of the research, it shows that 1) Variable X1, namely, third party deposits have a positive and significant effect on net income at Bank BNI (Persero) Tbk for the period 2016 -2020. This could be seen in the test results of the calculated t- value of 4.854 which is positive for the net profit ratio. 2) Variable X2, namely credit investment has a positive and significant effect on net income at Bank BNI (Persero) Tbk for the period 2016 -2020 which could be seen from the test results with the t-count value of 2.557 is positive for the company's profit ratio. Therefore, indicated that the more customer deposits collected by Banak Negara Indonesia (Persero) Tbk, the bank's business activities can increase to obtain optimal net profit as well as the increasing in the number of investment loans will be followed by an increase in profits at PT Bank Negara Indonesia (Persero) Tbk.