the effect of bank capacity and loan to deposit ratio on profitability and credit risk

This research aims to analyze the effect of bank scale and loan to deposit ratio toward profitabilitywithin the credit risk as moderating variable in banking companies that listed on 2014-2018indonesia stock exchange. the population of this research include of banking companies that has listedon 2014-2018 indonesia stock exchange. the sampling technique used purposive sam-pling, in order toobtain 28 companies within 5 years of observations to 140 observations. the data analysis used statisticalpackage for social sciences (spss) version 25. the data analysis technique was done by residual test.the results of this research showed that bank scale has posi-tive and significant influence on profitability,loan to deposit ratio has no influence on profitabil-ity, the risk of bank is unable to moderate the effect ofbank scale on profitability and the risk of bank is unable to moderate the effect of loan to deposit ratio onprofitability. the scale of bank and loan to deposit ratio can explain the profitability of 27.3% while theother 72.7% was ex-plained by other variables outside of study. it is recommended for companies toincrease supervi-sion of asset management, thus the scale of bank will be better and maintain the balanceof ldr based on indonesian bank regulation number 15/ 7/ pbi / 2013 article 10 of 78-92% with theaim of increasing profitability.