Social Sciences
a year ago

Bad Loans and High Costs Impact Bank Profits in Batam

Akuntansi dan Manajemen
Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan To Deposit Ratio (LDR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) Pada Bank Perkreditan Rakyat (BPR) di Kota Batam
Agung Joni Saputra, Ria Angriani

Paper Summary

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The study looked at how different factors like bad loans, interest margins, and operating costs affect the profits of small banks in Batam City. They analyzed data from 26 banks over a period of 4 years. The results showed that bad loans, interest margins, and operating costs have a big impact on bank profits, while capital reserves and loan ratios don't make as much of a difference. Overall, these factors together play a significant role in determining how much money a bank makes.