Banking Industry Sustainable Growth Rate under Risk: Empirical Study of the Banking Industry in ASEAN Countries

This research examines how the banking industry maintains its sustainable growth rate. The sample consists of 328 commercial banks in ASEAN area. A fixed effect model is employed to analyze data. study reveals several findings: (1) countries with most risk are Indonesia, Thailand, Philippines, Malaysia, and Singapore. (2) Operational has a negative on positive actual growth. Asset utilization positively affects (3) Business but (4) Liquidity both (5) Financial not These findings contribute body knowledge financial management specifically terms determining dividend financing policy, operational activities bridging conflicting objectives managers shareholders. Furthermore, these have implications for practice, especially shareholders, maintain set targets conditions various risks banking. For within framework integration, it important place SGR as measure finance.