Analisis Risiko Kredit dan Risiko Likuiditas terhadap Kinerja Keuangan Bank Kelompok Danantara
DOI:
https://doi.org/10.47747/snfmi.v3i1.3110Abstract
Bank financial performance is a key indicator of institutional success. However, banks are exposed to various risks, particularly credit risk and liquidity risk, which significantly affect performance. Credit risk, measured by the Non-Performing Loan (NPL) ratio, increases when borrowers fail to meet their obligations, thereby reducing bank profitability. Liquidity risk, measured by the Loan to Deposit Ratio (LDR), reflects the bank’s ability to allocate third-party funds into credit; an excessively low LDR indicates inefficiency and may lower profits. This study aims to empirically analyze the effect of credit risk and liquidity risk, both partially and simultaneously, on the financial performance of Danantara group banks. The sample consists of four banks—BRI, BNI, BTN, and Bank Mandiri—over a ten-year period (2015–2024). Data were analyzed using Multiple Linear Regression. The findings reveal that credit risk and liquidity risk have a negative and significant effect when tested individually. Furthermore, when tested simultaneously, these risks jointly affect the financial performance of Danantara group banks.
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