Determinan Profitabilitas Bank Konvensional yang Terdaftar di Otoritas Jasa Keuangan Indonesia

Purpose - This paper aims to find out what factors will affect the Indonesia conventional banks’ profitability. The concern of doing this is based on report shown by Banco Bilbao Vizcaya Argentaria’s reports which showed an instability financial ratio in Indonesia.
 Research Method uses secondary method collecting information that used paper. sample for panel data consists 95 banks are listed Financial Service Authority (OJK) year 2017-2021. fixed effect model paper.
 Findings – profitability highly impacted non-performing loans (measured over gross loans), operational cost income ratio, bank size, and deposit ratio. These impacts show a negative relationship between ratios bank’s As these increase, profit decreases. However, relationships do not reflect same way capital adequacy loan diversification. three insignificant impact profitability.
 Implication has each variable Keeping stable must all top managements responsibility. findings could help strategies increase those variables positively reduces activities cause losses.