This research paper is to determine the effect
of capital, liquidity, operational efficiency and bad loans
on profitability in banking. For the 2020-2022 period, this
research was conducted on banking companies that have
the largest number of assets with 4 state banks and 4
private banks listed on the Indonesia Stock Exchange.
The sampling technique used in this study was purposive
sampling. The samples in this study were 4 state and
private banks listed on the Indonesia Stock Exchange
from 2020 to 2022. The data analysis method is panel data
regression analysis which was processed using the EViews
12 program. The results of this reaserch indicate that it
simultaneously influences ROA. the partial results show
that CAR has no effect on ROA, LDR has a positive effect
on ROA, BOPO has a negative effect on ROA and NPL
has no effect on ROA.
Keywords : Profitability, Banks, ROA, CAR, LDR, BOPO, NPL.