Abstract:
This study is going to investigate the impact of overhead, capital expenditure, bank loan on return
of asset and net interest margin through regression analysis and banks financial stability through
ratio and regression analysis. Beside that also Bank’s specific tools or drivers of payment that
makes transactions efficient and flexible are going to be discuss in this study. The study is going
to introduce different modern and unique media of payment that has rarely discussed in some
studies. The payment system enrich with well-organized and legal, regulatory function that is
going to be discussed.
The result of this discussion showed that surely variables such as non-performing bank loan,
overhead has negative impact on the profit of bank. Where can be seen that how H1 and H3 will
be significant and there have a relationship between them through regression analysis. It also try
to represent the performance of the bank which is also a visible source of income and profit for a
commercial bank, and the ratio analysis with interpretation and regression analysis with hypothesis
of bank that will make the topic more easier to understand.
