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e-ISSN 3047-857X

INSYMA International Symposium on Management

Proceedings papers / Pages 453-462

Profitability Under Pressure: Operational Efficiency and Credit Risk in Indonesian Banking

  1. Erwin Saputra
  2. Vierkury Metyopandi
  3. Ery Sulistyorini
  4. Ahmad Hussein Satrio Pambudi
  5. Burhanuddin Jauhari
Volume 22 · 2025 Pages 453-462 e-ISSN 3047-857X English

Abstract

This study examines CAR, LDR, OEOI, NPL, and Total Assets in 37 private Indonesian banks using panel regression. Findings highlight that operational efficiency negatively impacts profitability (ROA).

Keywords

  • Bank profitability
  • ROA
  • operational efficiency
  • credit risk
  • private banks
  • Indonesia

Citation

Erwin Saputra, Vierkury Metyopandi, Ery Sulistyorini, Ahmad Hussein Satrio Pambudi, Burhanuddin Jauhari. (2025). Profitability Under Pressure: Operational Efficiency and Credit Risk in Indonesian Banking. Proceedings of the International Symposium on Management, 22, 453-462.

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