Effect of Liquidity, Asset Quality, Sensitivity, Efficiency and Profitability on
Capital in State Banks
Amelia Nur Ayuni
1
, Anggraeni Anggraeni
2*
1,2
Hayam Wuruk University Perbanas Surabaya
ABSTRACT Article Information
Capital Adequacy Ratio (CAR) is one of the indicator that used to measure the
bank’s capital. Te aims of this study are to investigate the efecs simultaneously
and partially from Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR),
Adverserly Classifed Asset (APB), Non Performing Loan (NPL), Interest Rate Risk
(IRR), Net Open Position (PDN), Operational Efciency Ratio (BOPO), Fee Based
Income Ratio (FBIR), Return On Asset (ROA) on CAR and which variable has the
dominant efect on CAR. Tis study used secondary data taken from frst period
quarterly of 2014 until the fourth quarterly of 2019 of government banks. Tis study
used sensus that consists PT Bank Mandiri Tbk, PT Bank Negara Indonesia Tbk,
PT Bank Rakyat Indonesia Tbk, and PT Bank Tabungan Negara Tbk. Te data
were processed by using SPSS 21. Te result of this study revealed that LDR, IPR,
APB, NPL, IRR, PDN, BOPO, FBIR, and ROA simultaneously have signifcant
efect on CAR. PDN and FBIR partially have signifcant efects on CAR. PDN is
the dominant variable that infuences CAR.
Keywords: Bank, Government Bank, PDN, CAR.
JEL Classifcation Code: G10, E02, B41
Article of History:
Received February 2022
Approved April 2022
Published April 2022
© 2022 MediaTrend
Author correspondence:
E-mail: anggi@students.perbanas.ac.id
DOI: http://dx.doi.org/10.21107/mediatrend.v17i1.13664
© 2022 MediaTrend. All rights reserved.
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