Analisis Perbandingan Kinerja Keuangan Sebelum dan Sesudah Merger (Kasus Pada PT Bank Syariah Indonesia, Tbk)

This study aims to determine and analyze whether there are differences in financial performance before and after the merger at Bank Syariah Indonesia as measured by Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM), and Operating Expenses on Revenue. Operations (BOPO). This research is related to the financial condition of a company in a period of time and this research is descriptive. Judging from the level of explanation, this research also includes a type of comparative research where the research is comparative. The data used is in the form of 2 years, namely 1 year before and 1 year after the merger which is sourced from the financial statements of Bank Syariah Indonesia. The results of this study are seen based on the Return On Assets (ROA) that the financial statements before the merger, with an average of 1.26%, increased after the merger to 1.61%. Based on Return On Equity (ROE) that the financial statements before the merger, namely with an average of 10.01%, increased after the merger to 13.71%. Based on the Net Interest Margin (NIM), the financial statements prior to the merger were 4.19% on average, increased after the merger to 6.04%. Based on Operating Expenses to Operating Income (BOPO) that the financial statements prior to the merger, namely with an average of 85.63%, decreased after the merger to 80.46%. The conclusion of this study is that the hypothesis cannot be proven because there is an increase in ROA, ROE, NIM and also a decrease in BOPO the results obtained are not from the test but the average (mean)