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All Journal Petra International journal of Business Studies (IJBS) To Maega: Jurnal Pengabdian Masyarakat Jurnal Muara Ilmu Ekonomi dan Bisnis Dinasti International Journal of Management Science Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Applied Business and International Management GLORY Jurnal Ekonomi dan Ilmu Sosial International Journal of Application on Economics and Business Proceeding of International Conference on Entrepreneurship (IConEnt)
Tannia, Tannia
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Journal : Petra International journal of Business Studies (IJBS)

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Factors Influencing Bank Profitability: A Study of Indonesian Commercial Banks Meidi, Laurencia; Tannia, Tannia
Petra International Journal of Business Studies Vol. 8 No. 1 (2025): JUNE 2025
Publisher : Master of Management, School of Business and Management, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/petraijbs.8.1.88-97

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan to Deposit Ratio (LDR) on Return on Asset (ROA) at Go Public Commercial Banks listed on the Indonesia Stock Exchange during the period 2020 to 2023. The method employed in this research is a purposive sampling technique, utilizing secondary data from the official website of the Indonesia Stock Exchange (IDX) and a quantitative approach. This research was conducted by collecting all secondary data, such as financial data from each sample, to be processed and analyzed. Hypothesis testing uses panel data regression analysis using SPSS version 30. Based on the research findings, CAR and LDR have no significant effect on ROA, while NIM and NPL exhibit a substantial impact on ROA. Strong CAR does not always guarantee bank profitability, as high cost of funds can still burden operational performance. LDR does not affect ROA, as profitability depends more on credit quality than credit volume. Poor credit assessment increases risk, limiting LDR's impact. Higher NIM indicates greater interest income from productive assets, leading to increased bank profitability. A high NPL ratio indicates poor credit quality and potential operational losses, which in turn lowers the return on assets (ROA). Therefore, maintaining a low NPL is essential.
Co-Authors Anatasia, Velly Andrian, Rendy Antariksa Christi, Yudiar Cristia Dewi, Angelia Dozen, Wily Dwitama, Ellisia Elim, Rickel Arial Kaisar Faujian, Ashifa Zulfa Florencia, Livia Evangelina Gunawan, Celvine Hendra Hendra, Martin Jeffri, Jeffri Jessie, Jessie Megawati, Yenli Meidi, Laurencia Novita Novita Nursalim, Chika Putri Reni Susilo, Sophia Robert, Alexander Salim, Steven Jonathan Siratan, Elkunny Dovir Susilo, Sophia Reni Tutuhatunewa, Daniel Gilberth Filadelfia Vanessa Keylita Sutarna Vebrin, Elisabeth Wijaya, Andreas Wonda, Vallent