Analysis Of Factors Affecting Profitability At State-Owned Banks In Indonesia

Mita Pridayanti, Hedwigis Esti Riwayati

Abstract


The purpose of this study is to examine and analyze the effect of operating costs on operating income, capital adequacy ratio, loan to deposit ratio and non-performing loans on the profitability of State-Owned Enterprises group banks for the period 2016-2023. The sampling technique uses saturated samples. The total samples used 4 (four) banking companies of State-Owned Enterprises. The data used in this study is the annual financial statements of State-Owned Enterprises Banks listed on the Indonesia Stock Exchange in the period 2016-2023 with a total of 32 observations. The analysis technique used in this study is regression of panel data with random effect. Data is processed using Eviews 12. The results showed that Operating Costs to Operating Income had a significant negative effect on bank profitability, Loan to Deposit Ratio had a significant positive effect on bank profitability, while Capital Adequacy Ratio and Non-Performing Loan did not affect bank profitability. The results of this study are expected to add theoretical insight into the variables that affect bank profitability. Also, contribute as reference material for future research.

Keywords: Operating Cost to Operating Income, Capital Adequacy Ratio, Loan to Deposit Ratio, Non-Performing Loan, Profitability.


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