ANALISIS KOMPARASI FAKTOR-FAKTOR YANG MEMPENGARUHI LABA SEBELUM PAJAK PADA BANK PEMERINTAH

Abstract

The purpose of this study was to determine 1) the image of profit before
tax, net interest margin, loan to deposit ratio, asset quality and operating expenses
/ operating income state bank listed on the Indonesia Stock Exchange. 2) analyze
the differences in income before taxes, net interest margin, loan to deposit ratio,
asset quality and operating expenses / operating income state bank listed on the
Indonesia Stock Exchange. The population in this study are all listed in the
Government Bank Stock Exchange Bank Indonesia as much as 4. The sampling
technique used proposive sampling.
The analytical method used is descriptive analysis and ANOVA analysis
The results showed that 1) the average profit before tax state bank listed on the
Indonesia Stock Exchange the lowest occurred in 2008 and highest in 2011. The
average net interest margin is the lowest place in 2011 and highest in 2009. the
average loan to deposit ratio of the lowest occurred in 2009 and highest in 2011.
Average asset quality of the lowest occurred in 2011 and highest in 2009. Average
operating expenses / operating income of the lowest occurred in 2009 and highest
in 2010. 2) There are differences in income before taxes, net interest margin, loan
to deposit ratio and the bank's operating expenses/operating income
intergovernmental listed in Indonesia Stock Exchange in 2008 until 2011. As for the
quality of earning assets do not pass the test of homogeneity.