The Influence of Capital Adequacy, Credit Risk, Liquidity, Operational Cost, Income Diversification, Firm Size and Ownership Structure on the Profitability of Bank

Proceedings of the 4th International Conference on Sustainable Innovation 2020-Accounting and Management (ICoSIAMS 2020) Pub Date : 2021-01-21 DOI:10.2991/AER.K.210121.018

Muchamad Imam Bintoro, Ferry Rahmadhani

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Abstract

This research aimed to analyze the effect of capital adequacy, credit risk, liquidity, operational cost, income diversification, firm size and ownership structure on the bank’s profitability. The object of this research is the conventional commercial bank listed at the Indonesia Stock Exchange (Bursa Efek Indonesia/BEI) from 2011 to 2015. This research used a purposive sampling method, which resulting in 16 conventional commercial banks as the sample. The data used were secondary data using a documentary method obtained from BEI’s website and the Financial Services Authority (Otoritas Jasa Keuangan/OJK’s) website. This research used multiple linear regression models and IBM statistic SPSS 21.0 software for analyzing the data. The result showed that capital adequacy, credit risk, and liquidity have no significant effect on profitability. In contrast, income diversification and ownership structure bring significant positive effects on profitability. As opposed to previous items, the operational cost and firm size cause significant adverse effects on profitability.

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资本充足率、信用风险、流动性、运营成本、收入多元化、企业规模和股权结构对银行盈利能力的影响

本研究旨在分析资本充足率、信用风险、流动性、经营成本、收入多元化、公司规模和股权结构对银行盈利能力的影响。本研究以2011 - 2015年在印尼证券交易所(Bursa Efek Indonesia/BEI)上市的传统商业银行为研究对象。本研究采用目的性抽样的方法，选取了16家传统商业银行作为样本。使用的数据是从BEI网站和金融服务管理局(Otoritas Jasa Keuangan/OJK)网站上获得的二级数据。本研究采用多元线性回归模型和IBM统计软件SPSS 21.0对数据进行分析。结果表明，资本充足率、信用风险和流动性对盈利能力没有显著影响。相反，收入多元化和股权结构对盈利能力有显著的正向影响。与前面的项目相反，运营成本和企业规模对盈利能力有显著的不利影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Proceedings of the 4th International Conference on Sustainable Innovation 2020-Accounting and Management (ICoSIAMS 2020)

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