This study investigated the influence of interest income, non-interest income, and diversification income towardprofitability which is proxied by Risk-adjusted return on assets (RAROA), using 4 sample of state-owned commercial banks in Indonesia listed at Indonesia Stock Exchange period 2003-2014.
In this study, researcher using panel data analysis. Variables used in this research are the interest
income, non-interest income, and income diversification as an independent variable and profitability of the bank which is proxied by Risk-adjusted Return on Assets as the dependent variable with a significance of 95%.
Based on test results using panel data regression, it can be concluded that the interest income, noninterest
income, and income diversification, simultaneously have a significant influence on Risk-adjusted Return on
Assets. Non-interest income partially