Analisis Kinerja Keuangan Bank Syariah Mandiri Tahun 2017 Hingga 2019

This research is motivated by the financial performance of Bank Mandiri Syariah which has improved in recent years. This is reflected in the value of assets and profits generated by Bank Syariah Mandiri. Coupled with the inclusion of Bank Mandiriand book 3 banking, of course this is inseparable from the increasing trust value of the public towards Bank Syariah Mandiri. Because the performance of Bank Mandiri Syariah is getting better, the researchers want to analyze the financial ratios containedin Bank Mandiri Syariah. The financial performance ratios used in this study are Return on Assets (ROA), Return on Equity (ROI), Net Interest Margin (NIM), and Operational Costs to Operating Income (BOPO). This study uses secondary data from the financialstatements of Bank Syariah Mandiri with quantitative descriptive analysis techniques. The results and discussion of this study are that in 2017, the ROA value of Bank Syariah Mandiri was 0.59%. This year, the assets of Bank Syariah Mandiri have increased from 2016, namely from assets of 78.83 trillion to 87.94 as of December 2017. In 2017, the ROE ratio is 5.72%. Even though there was a decrease in ROE from the previous year, in fact it has exceeded the target set. The NIM in 2017 was 7.35, according to the Indonesian Bank Circular No6 / 23 / DPNP categorized as very healthy. NIM in 2017 was 7.35, according to Bank Indonesia Circular Letter No6 / 23 / DPNP categorized as very healthy, this result increased from the previous year. In 2018, the value of Bank Syariah Mandiri profits collected through asset management was 0.88%. The ROE ratio value in 2018 also experienced a very good increase, namely 8.21% from 5.72%. In 2018, the NIM value was 6.56. Bank Syariah Mandiri's net interest income is in very healthycondition even though this ratio has decreased from 2017. BOPO in 2018 was 91.16%. In 2019, the ROA of Bank Syariah Mandiri was 1.69%. There was an extraordinary increase from 2018 which was 0.81%. In 2019 ROE also experienced a very good increase, Bank Syariah Mandiri this year posted an ROE of 15.66%, an increase of 7.44% from 2018 which amounted to 8.21%. This year, Bank Syariah Mandiri recorded an NIM of 6.36%. This year, Bank Syariah Mandiri booked BOPO of 82.89%, down from the previous year of 7.79% from 90.68%