Determinants Of Banking Profitability In Indonesian Regional Development Bank
Buchory, Herry Achmad
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The aim of this study was to analyze the determinant factors of banking profitability in Indonesian Regional Development Banks. Descriptive and verification methods were used on secondary data from 26 financial statements. The results showed that loan to deposit ratio (LDR) and capital adequacy ratio (CAR) have negative effect but no significant effect on return on assets (ROA); net interest margin (NIM) has positive but not significant effect on return on assets (ROA); operating expenses to operating income (OEOI) have negative and significant effect on ROA; while non-performing loans (NPLs) have positive and significant effect on ROA.