Efficiency generally translates to better financial performance and profitability and, thus, is often taken into … presence of considerations on bank financial performance and efficiency. Such indicators can be used in multiple frameworks … dimensions, it is important to discuss the integration of the sustainability concept with banking efficiency and financial …

(NPL) towards bank profitability proxies by Return on Assets (ROA).Methodology/Technique - Purpose sampling is applied to … a significant impact towards ROA. This means that the model can be used to predict bank profitability. It is also … Ratio (LDR), Operational Efficiency proxies by Operational Expense to Operating Income Ratio (BOPO)and Non-Performing Loan …