BANK INCOME STRUCTURE IN INDONESIA: AN ANALYSIS OF THEORY OF STRUCTURE-CONDUCT-PERFORMANCE
Dadang Agus Suryanto

Management Science School of Postgraduates of Universitas Pendidikan Indonesia

Abstract

The aims of this study is to analyze empirically the phenomenon of bank income in the period 2013 – 2017 using the structure-conduct-performance theory. The method used is the panel regression model, The results of the study found that the banks’ interest income in Indonesia can be explained by the variable of loan market share, bank efficiency supported by economic growth in a positive direction. Likewise, the banks’ non-interest income in Indonesia can be explained by ownership of ATMs, bank efficiency supported by economic growth in a positive direction. The linearity of the influence of the independent variables included in the structural and behavioral aspects of the performance aspects shows that the explanation of changes in interest income and non-interest income can be explained by the structure-conduct-performance theory.

Keywords: Structure of Bank Income, Interest Income, Non-Interest Income, Structure-Conduct-Performance

Topic: Financial Management and Accounting