The Effect Of Credit Risk, Liquidity Risk And Capital On The Financial Performance Of PT Bank Sumut Period 2016-2023
Keywords:
Regional Development Bank (RDB), Bank Performance (ROA), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR)Abstract
The purpose of this study was to determine whether there is an influence between Credit Risk (NPL), Liquidity Risk (LDR), and Capital (CAR) on Bank Financial Performance (ROA). The quarterly financial statements of Regional Development Bank of North Sumatra (PT Bank SUMUT) are the secondary data used in this study. The Bank SUMUT financial ratio report for the years 2016–2023 serves as the study sample. Data processing software was used to process the research data. The findings of data processing for hypothesis testing indicate that the NPL, LDR, and CAR variables all together affect the financial performance of banks. Bank financial performance is positively impacted by the partial test findings of the NPL and CAR variables, however the LDR variable has no effect but is trending in the right way. While the LDR variable has no effect but does have a favorable direction on bank financial performance, the partial test results of the NPL and CAR variables have a positive impact on bank financial performance. The coefficient of determination (R2) test results indicate that the NPL, LDR, and CAR variables have an 18.3% impact on performance (ROA), and the rest is influenced by other variables not examined.
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Copyright (c) 2024 Nurlinda Nurlinda, Anggraini Anggraini, Noor Azni Binti Abu Bakar, Nurhaflah Soraya , Thoha Andrian Santo (Author)
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