The objective of this research was to test and examine the Effect of Bank Financial Performance Characteristics on Bank Profitability Book 4 (Case study on Banking Sub-Sector in IDX period 2016 - 2019). Panel data were analyzed, which is a combination of annual time sequence data and cross section. Three tests were designed to examine the optimal model, The Chow test, Hausman test and Langrange Multiplier test. The best model was the Common Effect Model (CEM). The research population used in this study is as many as 8 banking industries. According to the result of this research, the Capital Adequacy Ratio (CAR) had a positive impact on Return On Asset (ROA), Loan to Deposit Ratio (LDR) had a negative impact on Return On Asset (ROA), Net Interest Margin (NIM) had a positive impact on Return On Asset (ROA), NonPerforming Loan (NPL) had a negative and significant impact on Return On Asset (ROA), Operational Efficiency Ratio had a negative and significant impact on Return On Asset (ROA)

Keywords : Capital Adequasi Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Non Performing Loan (NPL), Operational Efficiency Ratio, Return on Asset (ROA).