<![CDATA[Financial Performance is a key indicator for banks in evaluating and identifying the role of financial ratio in supporting their operational performance development. The purpose of this research is to identify the effect of delivery channel, firm size, and liquidity on banks’ financial performance using panel data regression analysis. This study finds that delivery channel does not influence Non-Performing Loan (NPL) and Return on Assets (ROA), but it affects Return on Equity (ROE) and Capital Adequacy Ratio (CAR). Then, firm size affects all ratios that are used as the proxy of financial performance, while liquidity does not influence them. Furthermore, delivery channel, firm size, and liquidity simultaneously affect the financial performance of Indonesian banks. This research can be used by banks as a foundation to evaluate their future financial performance and to inform the public about their revenues from delivery channel transactions with their customers. In addition, it can be used by the public to support banks’ financial performance through the use of their financial products and services and by the government to make correct decisions for their policies.]]>
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