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All Journal Jurnal Bisnis dan Ekonomi Journal of Accounting and Investment Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian Mandiri Neo Journal of economy and social humanities KENDALI: Economics and Social Humanities INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE
Bambang Jatmiko
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Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Journal : KENDALI: Economics and Social Humanities

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Drivers of Bank Profitability: A Study of ROA Determinants at the Yogyakarta Regional Development Bank Bambang Jatmiko
KENDALI: Economics and Social Humanities Vol. 3 No. 3 (2025): KENDALI: Economics and Social Sciences Humanities.
Publisher : ASIAN PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58738/kendali.v3i3.649

Abstract

This study aims to examine the impact of operational efficiency (BOPO), net interest margin (NIM), non-performing loans (NPL), statutory reserve requirements (GWM), and capital adequacy ratio (KPMM) on return on assets (ROA) at the Regional Development Bank of the Special Region of Yogyakarta. The analysis is based on monthly data spanning from January 2017 to December 2024. A multiple linear regression model is employed to assess the relationship between the selected financial ratios and ROA. The empirical findings reveal that BOPO, GWM, and KPMM have a statistically significant negative effect on ROA, while NIM exerts a positive influence. Conversely, NPL is found to have no significant effect on ROA. The results suggest that bank management should prioritize enhancing operational efficiency and capital structure, while also optimizing interest margin policies, to improve overall profitability.
Co-Authors Alfredy Sugiarto Budi Anggoro Sajiwo Putro Desy Amalia Candrakusuma Fathonah Eka Susanti Gani Bregi Sebayang Henky Fernanda, Androw Heti Oktavya Kunthi Eka Risti Joya Delarosa Kholifah Fil Ardhi Muhamad Iklas Sul Amal Muhammad Choirul Huda Muhammad Zainal Abidin Nining Widiyanti Putro Juwono Siswantoro Retno Mustika Sari Rival Novembri Serpur Septi Silovani Andini Sukardi Sukardi Susanti, Fathonah Eka Titi Laras Titi Laras Wahyu Romadan