Analisis Rasio Non Performing Loan untuk Mengukur Kualitas Kredit pada PT. Bank Sumut Periode 2020 - 2022

Abstract

This study aims to assess credit quality, the Non-Performing Loan (NPL) ratio, and the development of the Non-Performing Loan (NPL) ratio in the banking sector (study at PT. Bank Sumut for the 2020-2022 period), to maintain the stability and performance of PT. Bank Sumut. The method used in this study is a quantitative descriptive method using secondary data located at banksumut.co.id and annual reports. The results of this study show that the company's credit quality is in good condition. If you look at the Gross NPL and Net NPL ratios they are in a healthy condition and the Gross NPL and Net NPL ratios have decreased yearly due to improving economic conditions after Covid-19.