Analisis Pengaruh Risiko Pasar, Risiko Kredit, Risiko Likuiditas dan Risiko Operasional terhadap Kinerja Keuangan Perbankan pada Bank Pembangunan Daerah

Abstract

Profitability is the bank's ability to gain profits through efficient use of assets. High bank profitability shows good bank performance. This research aims to determine the effect of Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), Operational Costs, Operating Income (BOPO), and Net Open Position (PDN) on Profitability as measured by Return on Assets (ROA) of Regional Development Banks (BPD) in Indonesia. This research took a sample of BPDs that had complete annual financial reports at the Financial Services Authority for the 2018-2021 period, namely 10 BPDs. Panel data regression analysis (combination of cross section and time series) Random Effect Model. The research results show that LDR has a positive and significant effect on ROA as hypothesized by theory. Likewise, BOPO has a negative and significant effect on ROA as hypothesized by theory. Meanwhile, NPL and PDN do not have a significant effect on ROA. This can be interpreted as meaning that the risk has less influence on BPD's operations as a regional government banking bank.