Quantitative analysis shows that operating expenses significantly affect ROA, while non-performing loans do not.
This study aims to determine the effect of Non-Performing Loan (NPL) and Operating Expenses Operating Income (BOPO) on Return On Assets (ROA) at Bank Mandiri. The population in this study is the financial statements of Bank Mandiri listed on the Indonesia Stock Exchange (IDX) for the period 2016-2023. This study uses a quantitative approach and research design using multiple linear regression analysis. The results of the study indicate that the NPL and BOPO variables simultaneously affect ROA. Based on the results of the t-test, it can be concluded that partially the NPL variable does not have a significant effect on ROA, while the BOPO variable has a significant effect on ROA.
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Warsiati et al. (2025) studied this question.
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