Social Sciences
3 years ago

Banking Efficiency Boosted by Net Interest Margin, Hindered by Non-Performing Loans

Effect of Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Net Interet Margin (NIM) On Return on Assets (ROA) with ATM as Moderation Variables
F.X Soegeng, Lusy Lusy, V. Ratna Inggawati, Hening Widi Oetomo

Paper Summary

Related papers

Economics, Econometrics and Finance
3 years ago

Boosting Liquidity Ratios in Nigerian Banks Leads to Financial Success

Banking Finance
Theme background image
Social Sciences
4 years ago

Strong Capital and Interest Margins Boost Bank Profits in Indonesia

Social Media
Financial Management
Islamic Banking
Business, Management and Accounting
4 years ago

Strong Financial Health Boosts Profits for Insurance Companies, Study Finds

Financial Management
Working Capital
Islamic Banking

The study looked at how factors like Loan Deposit Ratio, Non-Performing Loans, and Net Interest Margin affect a bank's profitability, measured by Return on Assets. They also examined if ATMs play a role in this relationship. The researchers found that Loan Deposit Ratio and Non-Performing Loans have a negative impact on Return on Assets, while Net Interest Margin has a positive impact. Interestingly, ATMs did not moderate the influence of these factors on Return on Assets.