ANALISIS PERBANDINGAN RASIO PROFITABILITAS SEKTOR FINANCIAL (PT. BANK SINARMAS TBK, PT. BANK OF INDIA INDONESIA TBK, PT. BANK VOCTORIA TBK) PERIODE 2012-2021

The purpose of this research is to analyze the comparison of financial performance in three banking companies, PT. Bank Sinarmas Tbk, PT. Bank Of India Indonesia Tbk, PT. Bank Victoria International Tbk based on profitability ratios in 2012 to 2022. This research was conducted using secondary data obtained from the collection of financial statements at the three bank companies from 2012 - 2021. The financial statements of the three banks were carried out in-depth analysis with Profitability Ratios using measurement of financial performance based on Net Profit Margin, Return On Equity, and Return On Assets. The research results obtained that the financial performance at PT. Bank Sinarmas Tbk, PT. Bank Of India Indonesia Tbk, PT. Bank Victoria Tbk based on the NPM, ROE and ROA ratios shows that the financial performance on the NPM ratio of Bank Victoria has a better and higher standard category level compared to other companies. For the ratio of ROE and ROA, Bank Sinarmas has a better standard because the fluctuations are more stable than Bank India Indonesia and Bank Victoria, which fluctuate each year.