The Effect Of Green Banking Implementation, Corporate Social Responsibility, Operational Efficiency, and Capital Adequacy on Bank Indonesia's Financial Performance
Pengaruh Implementasi Green Banking, Corporate Social Responsibility, Efisiensi Operasional, dan Kecukupan Modal Terhadap Kinerja Keuangan Perbankan di Indonesia
DOI:
https://doi.org/10.21070/ups.12420Keywords:
Green Banking, CSR, BOPO, CAR, Return On Asset, Finansial PerformanceAbstract
This study evaluates the impact of Green Banking, Corporate Social Responsibility (CSR), the Operating Expense-to-Operating Income Ratio (BOPO), and the Capital Adequacy Ratio (CAR) on banks’ financial performance, as measured by Return on Assets (ROA). Using purposive sampling, 14 commercial banks listed on the Indonesia Stock Exchange for the 2021–2025 period were selected as the sample and analyzed using multiple linear regression. Corporate Social Responsibility (CSR) has a positive and significant effect on ROA, while Operational Efficiency (BOPO) and Green Banking have a negative and significant effect. Meanwhile, Capital Adequacy Ratio (CAR) has no significant effect on ROA. This indicates that banking profitability is more determined by reputation and operational efficiency factors than by capital adequacy.
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