ANALISIS PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS BANK (Studi Empiris pada Bank Devisa yang Ada di Indonesia Periode 2012-2015)

Abstract

This study has a goal to determine the effect of financial ratio to bank profitability. Dependent variable in this research is ROA, meanwhile the independent variables are CAR, BOPO, LDR, NPL, CKPN, and bank size. This research uses secondary data from financial reports. The sampling technique used is purposive sampling. Samples that choosen are all foreign exchange commercial banks in Indonesia in the year 2012-2015 that published their financial reports in Otoritas Jasa Keuangan. The analysis tool used in this research is multiple linear regression analysis. Based on the results of tests conducted, it can be concluded that: CAR, LDR, and bank size have a positve and significant effect on bank’s profitability. Meanwhile, BOPO, NPL, and CKPN have a negative and significant effect on bank’s profitability.