The Effect of Liquidity, Efficiency and Mobile Banking on Banking Financial Performance at PT Bank Central Asia (Bca) for the 2015 – 2024 Period

Kharisma Yuniar; Anum Nuryani

doi:10.59890/ijaeam.v4i5.1

Authors

Kharisma Yuniar Pamulang University
Anum Nuryani Pamulang University

DOI:

https://doi.org/10.59890/ijaeam.v4i5.1

Keywords:

Liquidity, Efficiency, Mobile Banking, Financial Performance

Abstract

This study aims to determine the effect of liquidity, efficiency, and mobile banking on the financial performance of PT Bank Central Asia Tbk during 2015–2024. Financial performance is measured by Return on Assets (ROA), while liquidity, efficiency, and mobile banking are measured by Loan to Deposit Ratio (LDR), Operating Expenses to Operating Income (BOPO), and mobile banking transactions. This quantitative study uses secondary data obtained from BCA’s annual reports for 2015–2024 during period. Data were analyzed using descriptive statistics, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination. The results show that LDR and mobile banking have a positive and significant effect on ROA, while BOPO has no significant effect. Simultaneously, all three variables significantly affect ROA

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