ANALISIS PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NON-PERFORMING LOAN, CAPITAL ADEQUACY RATIO DAN BANK TYPE TERHADAP RETURN ON ASSETS PADA BANK

Abstract

Nowadays, the level of banking health assessment needs to be maintained through ratios determined by Bank Indonesia in its operational activities. Banks have a good level of health will affect the level of profitability achieved. This study aims to analyze the effect of Operating Costs and Operating Income, Non Performing Loans, Capital Adequacy Ratio, and Bank type on profitability measured through the Return On Assets ratio, on banking companies listed on the Indonesia Stock Exchange (BEI) and the Financial Services Authority (OJK) for the period 2014-2018 obtained using purposive sampling. The analysis technique used is panel data regression analysis. The results of the analysis show that Non Performing Loans and Capital Adeqaucy Ratio have a significant effect on profitability. This shows that the high risk shown by the financial ratios can affect profitability in the company. Operational Costs Operational Income and Bank types have no significant effect, that the higher operational costs and bank ownership affect profitability is not a big problem for the company, because operating costs are offset by operating income.