Theniando, Hebert and Siahaan, Antonius TP. and Nasution, Eric J. (2016) Impact of Financial Ratios to Profitability Projected by The Return on Risk Weighted Asset (RORWA) and Return on Asset (ROA) on Foreign Banks and Non Foreign Banks in Indonesia. Masters thesis, Swiss German University.

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Abstract

Developments in the banking world is very rapid and high level of complexity can affect the performance and increase the risks faced by banks in Indonesia. The main challenge for banks today is how to accurately determine how much risk associated with their assets yet still deliver the desirable profit. Management implementing additional profitability measurement apart from Return on Asset (ROA) that measures the rate of Return on Risk-Weighted Assets (RORWA). The objective of this study is to analyze impact of Net Interest Margin (NIM), Operating Efficiency Ratio (OER) and Non Performing Loan (NPL) on profitability shown in RORWA and ROA on Foreign and Non Foreign Banks. The financial reports 2015 of 65 foreign and non foreign banks and by using purposive sampling method of banks that earns profit, foreign exchange, conventional bank, asset above IDR 24tn, 21 of them were used as sample. The multiple regression analysis was used to test hypothesis. The result shows that variables NIM has positive influence, while OER and NPL have negative influences. Furthermore, NIM and OER have significant influence, while NPL has insignificant influence on ROA and RORWA.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	Profitability; ROA; RORWA; NIM; OER; NPL
Subjects:	H Social Sciences > HF Commerce > HF5001 Business H Social Sciences > HG Finance > HG1501-3550 Banking H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance.
Divisions:	Faculty of Business Administration and Communication > Department of Business Administration
Depositing User:	Atroridho Rizky
Date Deposited:	07 Jul 2020 12:39
Last Modified:	07 Jul 2020 12:39
URI:	http://repository.sgu.ac.id/id/eprint/1066

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