COMPARISON OF BTN'S PERFORMANCE WITH BNI 46 (Using Independent Sample t Test for 2014 to 2023)

Abstract Bank Tabungan Negara (BTN) and Bank Nasional Indonesia (BNI) 46 are government-owned banks, apart from Bank Mandiri and Bank Rakyat Indonesia (BRI). This research wants to see whether there are differences in financial performance between the two government-owned banks, namely Bank Tabungan Negara (BTN) and Bank Nasional Indonesia (BNI) 46. Research analysis of normality test, homogeneity test and independent sample t test using SPSS software version 26, to analyze the variables ROA, NPL, LDR, BOPO, CAR, NIM and ROE for 10 (ten) years from 2014 to 2023. The research results show that only the financial ratios Return on Assets (ROA), Net Interest Margin (NIM), Operational Costs to Operating Income (BOPO) and Net Performing Loans (NPL) on average have significant differences in financial performance, while the Capital Aduqucy Ratio (CAR), there is no significant difference between Bank Tabungan Negara (BTN) and Bank Nasional Indonesia (BNI) 46, for 10 years, from 2014 to 2023. Keywords: ROA, NPL, LDR, BOPO, CAR, NIM, ROE and Independent Samples t Test