Pengaruh Diversifikasi Pendapatan, Ukuran Bank, dan Deposit terhadap Total Aset terhadap Stabilitas Bank di Indonesia

This study aims to examine the effect of income diversification, bank size, and the deposit to total assets ratio on bank stability in banks listed on the Indonesia Stock Exchange (IDX) during 2020-2024. Using purposive sampling, 43 banks were selected, resulting in 215 observations that form a balanced panel. Bank stability is measured by the Z-score, income diversification by the Herfindahl-Hirschman index, bank size by the natural logarithm of total assets, and deposit to total assets by the ratio of total deposits to total assets. The data were analyzed using panel data regression in EViews 12, and the Fixed Effect Model was selected as the estimation model. The results show that income diversification has a negative and significant effect on bank stability, bank size has a positive and significant effect on bank stability, and the deposit to total assets ratio has a negative but insignificant effect on bank stability. Simultaneously, the three independent variables significantly affect bank stability, with an R-squared of 0.922481. These findings indicate that the benefit of income diversification depends on the bank’s ability to manage risk effectively, while larger banks tend to be more stable.