The Influence of LDR, NPL, BOPO and Primary Ratio toward Return On Asset (ROA) in Commercial Private Banks YENNI PERMATA WINDRI
Magister Management - Faculty of Economics and Business - Airlangga University Jl. Airlangga No. 4-6, Airlangga - Gubeng - Surabaya - 60115
Abstract
This research aim to analyze whether the LDR, NPL, BOPO and Primary Ratio have significant influence simultaneously to ROA on Commercial Private Bank. Return on assets (ROA) is an indicator of how profitable a company is relative to its total assets. ROA gives a manager, investor, or analyst an idea as to how efficient a companys management is at using its assets to generate earnings. The higher the ROA number, the better, because the company is earning more money on less investment. The sample are three bank, namely : Bank Bukopin, Bank Mega, Bank OCBC NISP. Data and collecting data methods in this research is secondary data which taken from financial report of National Private General Banks started from teh first quarter period of 2008 until the two quarter period of 2011. The technique of data analyzing is descriptive analyze and using multiple linier regression analyze. Based on calculations and result with using SPSS 11,5 for windows, state that LDR, NPL, BOPO and Primary Ratio have significant influence simultaneously to ROA on Comercial Private Banks. LDR and Primary Ratio partially have positive unsignificant influence to ROA on Comercial Private Banks. BOPO partially have negative significant influence to ROA on Comercial Private Banks. NPL partially have negative unsignificant influence to ROA on Comercial Private Banks.
Keywords: Loan to Deposit Ratio, Non Performing Loan, Operational Costs to Operating Income, Primary Ratio
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