THE INFLUENCE OF LDR, NPL, AND BOPO ON ROA IN BUMN BANKING PERIOD 2015-2023

Abstract

A company initially focuses on achieving large and fast profits, without regard for future consequences. The success of a company can be measured by its ability to win competition and create profits for its owners. The higher the ROA of a bank, the greater the bank's ability to generate profits. This research aims to determine and analyze the influence of LDR (Loan to Deposit Ratio), NPL (Non Performing Loan), and BOPO (Operating Costs and Operating Income) on ROA in state-owned banking in Indonesia. Research was conducted on state-owned banking for the 2015-2023 period. The data used in this research comes from secondary data in the form of panel data (pooled data). The data in this study is a combination of time series and cross section data obtained from the annual reports of state-owned banking in Indonesia during the period 2015 to 2023. The data collection technique in this research is documentation or archive techniques from the Annual Report documents of state-owned banks in Indonesia.Sample This research consisted of 69 samples with 4 state-owned banks. The results of the research show that LDR has a negative and insignificant effect, NPL has a positive and significant effect and BOPO has a negative and significant effect on ROA.