FAKTOR YANG MEMPENGARUHI NET PROFIT MARGIN (NPM) PADA BANK NEGARA INDONESIA (BNI) PERSERO CABANG PALANGKA RAYA

Indonesia gained different net profit margins. Banks with the highest margin for four consecutive periods, each of which exceeds 24%, while bank lowest NPM is Bank Negara (BNI), value was less than 10.22% in 2016, even 2019, obtained by BNI negative showing that suffered a loss during period 2019. Different from 9 other banks relatively stable, BNI, particularly Interestingly, given one ten having biggest asset, it merely low NPM. This study aimed to (1) identify effect operational efficiency ratio and cost on (BNI) Persero simultaneously 2014-2021 (2) partially 2014-2021. descriptive qualitative reveals degree an or relation between variables stated figures. It done such way collecting data supporting factors relevant be analyzed later. The results suggested Operational (BOPO ratio) (CER) bring 91.6% illustrating variation (NPM) 2014 2021, remaining 8.4% illustrated out research model, as interest sensitivity rate (ISR). conclusion this include (a) brings adverse effect, fact positive effect. In case result development total non-interest expense, indicator CER, can boost sales NPM, where increased when loss, (c) two free variables, namely variable X1, dominantly affecting binding (NPM).