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ABSTRACT:

This study aims to analyze the factors that affect profitability in the banking sector. The research method used is quantitative with a multiple regression approach. The independent variables used are Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Non-Performing Loan (NPL) while the dependent variable used is Return On Asset (ROA) as Profitability. The research data consists of annual reports of state-owned banks for the period 2019 - 2023 obtained through the non-probability sampling method.The results of the study indicate that CAR and NPL have a significant positive effect on ROA (Profitability), while LDR does not show a significant effect on ROA (Profitability). Evaluation of Consistency and trends in financial performance from year to year can provide insight into the stability of long-term growth and can identify possible risks and opportunities that can be utilized.State-owned banks can identify areas that require more attention in more effective capital risk management and liquidity management. State-owned banks can identify factors that affect their profitability. In this case, state-owned banks can adjust their strategies, such as increasing operational efficiency, diversifying revenue, or improving credit processes, to increase their profitability.

KEYWORDS:

Capital Adequacy Ratio, Loan to Deposit Ratio, Non-Performing Loan, Return On Assets, Annual Report.

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