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IJSRP, Volume 7, Issue 4, April 2017 Edition [ISSN 2250-3153]



      AndhinaDyahSulityowati, NoerAzamAchsani, Tanti Novianti

Abstract: The aim of this study was to determine the factors that influence the profitability in one of commercial bank in Indonesia, both internal and external. Assessment of the financial performance of banks is important for stakeholders and may also increase of the level of customers’ trust. Profitability of banks can be seen from the Return on Asset (ROA), Return on Equity (ROE) and Return On Investment (ROI) ratio. This research used secondary data taken from the banks’ annual reports and website of Bank Indonesia. The method used in this study was the Vector Error Correction Model. The results showed that nearly all of the company’s internal variables such as LDR, ROA, NIM and CAR had significant effect in the short term, while all external variables did not have significant effect towards profitability in both the short and long term. Impulse Response Function (IRF) analysis results indicate that the shock of one standard deviation on all internal variables except NPL gives corresponding response while external variables fluctuated in coherence with ROA, ROE and ROI. Forecast Error Variance Decomposition (FEVD) analysis results, as well as BI and ROA were dominantlyinfluencing the value of ROA, NIM and GDP were dominantlyinfluencing the value of ROE, meanwhile the CAR and inflation rate were dominant in influencing the value of ROI.

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AndhinaDyahSulityowati, NoerAzamAchsani, Tanti Novianti - Analysis of Factors Affecting Profitability in XYZ Bank (One of Commercial Bank in Indonesia) - published at: "International Journal of Scientific and Research Publications (IJSRP), Volume 7, Issue 4, April 2017 Edition".

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