Analysis of The Determinants of The Level Profitability of Commercial Banks in Indonesia 2017-2021

Rani Indiarti, Yuni Prihadi Utomo

Abstract


This study aims to measure the direction and magnitude of the effect of Operational Efficiency Ratio (BOPO), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and the number of bank offices (SIZE) on Return on Assets (ROA) of commercial banks in Indonesia. The empirical study in this study is 32 banking companies listed on the Indonesia Stock Exchange (IDX) for the period 2017-2021. The research method uses panel data analysis with the Random Effect Model (REM) selected model. The results showed that Loan to Deposit Ratio (LDR) and the number of bank offices (SIZE) had a positive effect on Return on Assets (ROA), Operational Efficiency Ratio (BOPO) had a negative effect on Return on Assets (ROA), while Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR) had no effect on Return on Assets (ROA).

Keywords


Profitability, Commercial Bank, Loan to Deposit Ratio, Capital Adequacy Ratio

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References


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DOI: https://doi.org/10.30596/miceb.v1i0.196

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