DETERMINAN RENTABILITAS BANK UMUM BUKU-4 DI INDONESIA

This study investigated the internal factors that affecting factor of Indonesia BUKU-4 conventional commercial bank’ rentability on quarterly data of 6 banks during 2016Q1 to 2018Q3. The results reveal several main drivers of bank’s net interest margin in (NIM) and return on assets (ROA) in Indonesia. We found that operating expenses to operating income (BOPO) and equity to assets ratio (EAR) affect net interest margin positively. Beside that, we found that operating expenses to operating income (BOPO) and net interest margin in (NIM) affect return on assets (ROA) positively. It is recommended that empirical studies should be undertaken in the same field to find out what more internal factors could affect bank’ net interest margin and return on assets in Indonesia