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Wijaya, Kusuma
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Revisiting Financial Performance in Conventional Banking: An Integrated Analysis of Liquidity, Solvency, and Profitability Ratios Wijaya, Kusuma; Mujanah, Siti; Halik, Abdul
Journal of Finance, Economics and Business Vol. 5 No. 1 (2026): Journal of Finance, Economics, and Business (JFEB), 2026
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v5i1.536

Abstract

This study examines the influence of liquidity, solvency, and profitability ratios on the financial performance of conventional banks listed on the Indonesia Stock Exchange during the 2021–2025 period. Using a quantitative explanatory approach, this study analyzed secondary data obtained from audited annual financial statements from 15 selected banks through purposive sampling, resulting in 75 observations. Financial performance is evaluated through financial ratio analysis, including liquidity measured by Loan to Deposit Ratio (LDR), solvency measured by Capital Adequacy Ratio (CAR), and profitability measured by Return on Assets (ROA) and Return on Equity (ROE). Data analysis was carried out using multiple linear regression supported by classical assumption test, t-test, F-test, and determination coefficient analysis. These findings reveal that liquidity, solvency, and profitability ratios significantly affect financial performance both partially and concurrently. Liquidity shows a positive contribution to operational stability and financial flexibility, while solvency reflects the importance of effective management of capital structures in maintaining banking resilience. Profitability emerged as an important indicator of managerial efficiency and sustainable performance. In addition, this model accounts for 99.5% variation in financial performance, demonstrating strong explanatory capabilities. This study highlights the importance of a balanced financial management strategy in improving the sustainability and competitiveness of banking. These findings contribute to the literature on the financial performance of banks and provide practical implications for banking management and financial regulators in strengthening financial stability and operational efficiency.
Co-Authors Abdul Halik Agil, Agischa Putri Ananta, Bintang Ryan Andharu, Devito Annasai, Axlinabila Annisa Aprilla, Evania Nur Attamimi, Fatimah Nurunnada Cahyaningsih Pujimahanani Camila, Myrilla Shafa Camilla, Myrilla Shafa Dermawan, Zahwa Amelia Putri Dewangga, Diandra Parta Wisnu Fadillah, Muhammad Reza Ishadi Galang Smarandreetha, Falsyawal Hamidah, Galuh Fadhelah Aulia Hariyono Hariyono Hariyono Hidayat, Sanjaya Ahmad Hizbullah, Akmal Dafa Ihsan Al Faruq, Saiful Kartiningsih, Rindrah KHOIRUL ANAM Kirana, Kheista Sasi Kusuma, Albert Wijaya Margaretha, Sherlly Marharendra, Ahmad Maulana Mohammed, Khaled Ahmed Mulyanto , Luke Zefanezra Mulyanto, Luke Zefanezra Nafis, Naufal Napitupulu, Johanes Claudio Perdana Ni Nyoman Sarmi, Ni Nyoman Noviyanti, Anisa Dinda Nurdin, Dewi Syifanaya Firdausy Oktavia, Dian Pangestu, Imelza Novia Rakhmadani Pasopati, Rommel Utungga Putri, Alvina Salshabilla Linjani Putri, Laura Ika Angelina Arfina Putut Handoko Rahadiyan Duwi Nugroho Rahmadianti, Happy Julia Ramadhani, Nasywa Nuzula Ramadhani, Riska Dewi Rengganis, Dewi Ayu Rosyadi, Machfianita Mirza Ayu Salsabiyla, Raddine Santoso, Liora Samantha Valent Saputro, Dimas Eko Shamad, Dzil Fikris Siadari, Yoshua Veron Handika Putra Simbolon, Sinta Uli Siti Mujanah siti wulandari Smarandreetha, Falsyawal Galang Soenarko, Zahra Pramatatya Suyaji, Fransisca Irnidianis Magdalena Syairozi, Muhamad Imam Tobing, Victor Maruli Tua L. Wardana, Bima Tri Wicaksono, Anggoro Cahyo Wijaya, Silvia Marta Wirnoto, Yasmine Azzah Adillah Zaky, Raffi Ahmad