PENGARUH LDR DAN CAR TERHADAP ROA PADA BANK DBS INDONESIA TAHUN 2015 – 2022
Abstract
Bank financial performance has an impact on the level of customer trust in the bank. Banks that have stable and profitable financial performance tend to be more trusted by customers. The profitability of a bank can be measured by developing the ROA indicator, because this ratio can be calculated based on the efficiency of a banking company in managing its assets to generate profits for the bank itself. This research aims to examine the effect of internal factors (bank-specific) such as Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) on the profitability of Bank DBS Indonesia. Bank profitability is measured using the variable Return On Assets (ROA). The type of data used is secondary data obtained from quarterly financial reports published on the official website of Bank DBS Indonesia for 2015-2022. The analytical method used is multiple linear regression with a significancy level 5%. The results of this study showed that LDR partially has no significant effect on ROA, and CAR partially has a significant positive effect on ROA. Meanwhile, simultaneously, LDR and CAR have a significant effect of 60,7% on ROA.