Determinants of Bank Profitability: Evidence from Indonesian Conventional Banks
DOI:
https://doi.org/10.55587/ijbe.v1i4.291Kata Kunci:
Capital Adequacy Ratio, Fee-Based Income, Firm Size, Non-Performing Loan, LoanProfitabilityAbstrak
Purpose: This study aims to examine the effect of fee-based income, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and firm size on profitability.
Method: This study employed a quantitative approach, targeting conventional commercial banks listed on the Indonesia Stock Exchange (IDX) from 2020 to 2024. The sample was determined through purposive sampling, resulting in 201 observations. Data analysis techniques used were SPSS version 26, which included descriptive statistical analysis, classical assumption testing, multiple linear regression analysis, and hypothesis testing.
Finding: The results show that fee-based income has no positive effect on profitability. Conversely, the Capital Adequacy Ratio (CAR) and firm size have a positive effect on profitability, indicating that capital adequacy and a larger asset scale can increase a bank's ability to generate profits. Meanwhile, Non-Performing Loan (NPL) have a negative effect on profitability, indicating that increased credit risk can reduce a bank's ability to generate profits.
Novelty: This study extends prior literature by examining profitability determinants in the post-pandemic period and by integrating fee-based income, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and firm size within a single empirical framework.
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