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All Journal Contemporary Studies in Economic, Finance and Banking (CSEFB)
Fauzul Azim Muhajir
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Economics, Econometrics & Finance Social Sciences

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Analysis of the Influence of Digital Banking, CAR, and BOPO on Bank Financial Performance for the 2014-2023 Period Fauzul Azim Muhajir; Farah Wulandari Pangestuty
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.14

Abstract

Digital transformation has become inevitable in the banking industry, with banks striving to adopt new technologies and enhance digital services to remain competitive and meet customer demands. Financial performance serves as a key indicator of a company’s stability and profitability. This study investigates the effect of digital banking, Capital Adequacy Ratio (CAR), and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) in commercial banks during the period 2014–2023. Bank financial performance is measured through profitability (ROA). The study applies a quantitative research approach using secondary data obtained from six commercial banks. Multiple regression analysis with panel data is employed as the analytical method. The findings reveal that the independent variables collectively influence ROA. Partially, digital banking and BOPO exert a significant negative effect on ROA, whereas CAR shows no significant effect on profitability. Overall, digital banking, CAR, and BOPO jointly affect the ROA of commercial banks within the observed period.
Co-Authors Farah Wulandari Pangestuty